Harlem Community Newspapers | January 30, 2020

The Harlem Community Newspapers, Inc. Connecting Harlem, Queens, Brooklyn and The Bronx

COMMUNITY

HARLEM NEWS “Good News You Can Use”

Vol. 25

No. 5

January 30 – February 5, 2020

FREE

Harlem Residents Welcome Zwanger Pesiri Radiology to Harlem see pages 12-13

IN MEMORIAM: Lakers Legend Kobe Bryant Killed in Helicopter Crash see page 10

FILM REVIEW: Bad Boys for Life see page 11

Black Women Taking on the Fight Against Diabetes see page 17

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www.harlemcommunitynews.com

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CONTENTS

HARLEM COMMUNITY NEWSPAPERS

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HARLEM COMMUNITY NEWS BROOKLYN COMMUNITY NEWS BRONX COMMUNITY NEWS QUEENS COMMUNITY NEWS

harlemnewsinc@aol.com To subscribe, go to our website at www.harlemcommunitynews.com or page 22 OUR MISSION STATEMENT The Harlem Community Newspapers, Inc. will publish positive news and information. Our mission is to deliver “good” and informative news to our readers focusing on health, education, housing, business and employment opportunities. We look for and publish results, not problems. We promote businesses, opportunities and events happening in the communities we serve. We are dedicated to providing our readers with valuable information they can use to improve the quality of life for themselves, their families and our communities.

Community 3 Op Ed Editorial 6 Real Estate 7 Calendar 8 Events 9 Seniors 12 Education 14

Health 15 Urbanology 16 Wellness 17 Games 18 Literary Corner 20 Classified 22

Publisher/Editor Pat Stevenson Borough Writer Makeda Viechweg Feature Writer Jennifer Cunningham A&E Editor Linda Armstrong Art & Cultural Stacey Ann Ellis The Adams Report Audrey Adams Intl News & Entertainment Maria Cavenaghi Columnist William A. Rogers Columnist Zakiyyah Columnist Hazel Smith Writer/Videographer Marisol Rodriguez Book Reviewer Terri Schlichenmeyer Brooklyn Writer Keith Forrest Bronx Writer Howard Giske Writer Clarke Illmatical Nadezda Tavodova Tezgor Photographer Photographer Michelle James Photographer Kimberly Crichlow Office Assistant Dominic Jones Distribution Russell Simmons Computer Director David Sinclair Marketing Consultant William A. Rogers Hispanic Mkt. Consultant Jose Ferrer Events Coordinator Ayishah Ferrer Social Media Mgr Makeda Viechweg Travel & Entertainment Ruth Hunt

The Harlem Community Newspapers, Inc. is a New York City, New York State and Port Authority certified MWBE. We are also members of the NNPA, New York Press Association, the Greater Harlem Chamber of Commerce, CACCI, the Bradhurst Merchants Associationn Women Chamber of Commerce and the Harlem Tourism Board.

A Publication of: Harlem Community Newspapers, Inc. Mailing: P.O. Box # 1775, New York, New York 10027 Phone: 646-988-1015• Email: harlemnewsinc@aol.com Website: www.harlemcommunitynews.com Twitter: @harlemnewsinc • Facebook: /harlemnewsinc

PAT STEVENSON

GOOD NEWS YOU CAN USE!The loss of Kobe Bryant, his daughter. and others in that helicopter crash reminds all of us to embrace those we love and care about everyday.

If someone is on your mind - reach out to them now. Tomorrow is not promised to any of us. Kobe Bryant RIP. (see page 10) As a 2-year breast cancer survivor I have to take a mammogram every six months. I welcome Zwanger Radiology to the central Harlem community where I live. Now it will be convenient for me to take my mammogram as this is now the closest facility we now have. (see pages 12-13) Check out our website: www.harlemcommunitynews.com.

You can read past issues of the Harlem Community News.

Friend us on facebook and follow us on instagram and twitter.

Pat Stevenson Celebrating

25 years

Publishing

HARLEM COMMUNITY NEWSPAPERS

Affordable Housing for Rent

EBENEZER PLAZA PHASE I SOUTH 176 NEWLY CONSTRUCTED UNITS AT 672 POWELL STREET BROWNSVILLE, BROOKLYN Amenities: Bicycle Storage, Communal Laundry Room, Community Room (*additional fees may apply) Transit: 1 Block from L Train – 2 Blocks from 3 Train – Bus Routes B14, B60, Q56 No application fee • No broker’s fee • Smoke-free • Pet-free More Information: www.lwcmanagement.com

This building is being constructed through the ELLA program of the New York City Housing Development Corporation (HDC) and the New York City Department of Housing Preservation and Development (HPD) and the Mandatory Inclusionary Housing (MIH) program of HPD. Who Should Apply?

Individuals or households who meet the income and household size requirements listed in the table below may apply.

Qualified applicants will be required to meet additional selection criteria. Applicants who live in New York City receive a general preference for apartments.

A set-aside for a percentage of units goes to applicants with disabilities: o Mobility (5%) o Vision/Hearing (2%) • Preference for a percentage of units goes to: o Residents of Brooklyn Community Board 16 (50%) o Municipal employees (5%) •

AVAILABLE UNITS AND INCOME REQUIREMENTS

2 bedroom

3 bedroom

2 bedroom

3 bedroom

1

$471

12

$575

$658

$680 50% AREA MEDIAN INCOME (AMI) UNITS

1 bedroom

2

$863

$1045

$1200

4

2

2

12

4

2

Monthly Rent1

Minimum – Maximum4

1 person

$14,983-$22,410

2 people

$14,983-$25,620

1 person

$18,720-$22,410

2 people 3 people

$18,720-$25,620

2 people

$22,423-$25,620

3 people

$22,423-$28,830

4 people

$22,423-$32,010

5 people

$22,423-$34,590

3 people

$25,955-$28,830

4 people

$25,955-$32,010

5 people

$25,955-$34,590

6 people 7 people

$18,720-$28,830

Units Household Available Size2

$524

2

$667

12

$810

4

Annual Household Income3 Minimum – Maximum4

1 person

$20,366-$29,880

2 people

$20,366-$34,160

1 person

$25,440-$29,880

2 people

$25,440-$34,160

3 people

$25,440-$38,440

2 people

$30,480-$34,160

3 people

$30,480-$38,440

4 people

$30,480-$42,680

5 people

$30,480-$46,120

3 people

$35,246-$38,440

4 people

$35,246-$42,680

5 people

$35,246-$46,120

$25,955-$37,140

6 people

$35,246-$49,520

$25,955-$39,720

7 people

$35,246-$52,960

1 person

$25,715-$37,350

1 person

$31,098-$44,820

2 people

$25,715-$42,700

1 person

$32,160-$37,350

2 people

$32,160-$42,700

3 people

$32,160-$48,050

2 people

$38,538-$42,700

3 people

$38,538-$48,050

4 people

$38,538-$53,350

5 people

$38,538-$57,650

3 people

$44,538-$48,050

4 people

$44,538-$53,350

5 people

$44,538-$57,650

6 people

$44,538-$61,900

7 people

$44,538-$66,200

$929

$837

$1058

$1280

$1472

2

11

74

19

12

2 people

$31,098-$51,240

1 person

$38,846-$44,820

2 people

$38,846-$51,240

3 people

$38,846-$57,660

2 people

$46,595-$51,240

3 people

$46,595-$57,660

4 people

$46,595-$64,020

5 people

$46,595-$69,180

3 people

$53,863-$57,660

4 people

$53,863-$64,020

5 people

$53,863-$69,180

6 people

$53,863-$74,280

7 people

$53,863-$79,440

Tenant is responsible for electricity for cooking and electricity for light.

Household size includes everyone who will live with you, including parents and children. Subject to occupancy criteria.

3 Household earnings includes salary, hourly wages, tips, Social Security, child support, and other income. Income guidelines subject to change.

4 Minimum income listed may not apply to applicants with Section 8 or other qualifying rental subsidies. Asset limits also apply.

2

Español Presente una solicitud en línea en nyc.gov/housingconnect. Para recibir una traducción de español de este anuncio y la solicitud impresa, envíe un sobre con la dirección a: LWC Management Corp. 2090 Adam Clayton Powell Jr. Boulevard. Suite 203, New York, NY 10027. En el reverso del sobre, escriba en inglés la palabra “SPANISH.” Las solicitudes se deben enviar en línea o con sello postal antes 23 de Marzo 2020. 访问 nyc.gov/housingconnect 在线申请。如要获取本广告及书面申请表 的简体中文版，请将您的回邮信封寄送至. LWC Management Corp. 2090 Adam Clayton Powell Jr. Boulevard. Suite 203, New York, NY 10027. 信 封背面请用英语注明 “CHINESE”。必须在以下日期之前在 线提交申请或邮 寄书面申请 2020 3 23 Русский Чтобы подать заявление через интернет, зайдите на сайт: nyc.gov/housingconnect. Для получения данного объявления и заявления на русском языке отправьте конверт с обратным адресом по адресу. LWC Management Corp. 2090 Adam Clayton Powell Jr. Boulevard. Suite 203, New York, NY 10027. На задней стороне конверта напишите слово “RUSSIAN” на английском языке. Заявки должны быть поданы онлайн или отправлены по почте (согласно дате на почтовом штемпеле) не позднее 23 март 2020. nyc.gov/housingconnect 에서 온라인으로 신청하십시오. 이 광고문과 신청서에 대한 한국어 번역본을 받아보시려면 반송용 LWC Management Corp. 2090 Adam Clayton Powell Jr. Boulevard. Suite 203, New York, NY 10027. 으로 보내주십시오. 봉투 뒷면에 “KOREAN” 이라고 영어로 적어주십시오. 일까지 온라인 신청서를 제출하거나 소인이 찍힌 신청서를 보내야 합니다. 2020 3 23 Kreyòl Ayisyien Aplike sou entènèt sou sitwèb nyc.gov/housingconnect . Pou resevwa yon tradiksyon anons sa a nan lang Kreyòl Ayisyen ak aplikasyon an sou papye, voye anvlòp ki gen adrès pou retounen li nan: LWC Management Corp. 2090 Adam Clayton Powell Jr. Boulevard. Suite 203, New York, NY 10027. Nan dèyè anvlòp la, ekri mo “HATIAN CREOLE” an Anglè. Ou dwe remèt aplikasyon yo sou entènèt oswa ou dwe tenbre yo anvan dat Mas 23, 2020. ‫اﻟﻌرﺑﯾﺔ‬ ‫ أرﺳل ﻣظروف ﯾﺣﻣل اﺳﻣك‬،‫ول ﻋﻠﻰ ﺗرﺟﻣﺔ ﺑﺎﻟﻠﻐﺔ اﻟﻌرﺑﯾﺔ ﻟﮭذا اﻹﻋﻼن وﻟﻧﻣوذج اﻟطﻠب اﻟورﻗﻲ‬ ‫ ﻟﻠﺣﺻ‬. nyc.gov/housingconnect ‫ﮭﺔ ﺗﻘدم ﺑطﻠب ﻋن طرﯾﻖ اﻹﻧﺗرﻧت ﻋﻠﻰ اﻟﻣوﻗﻊ اﻹﻟﻛﺗروﻧﻲ‬ ‫ ﻋﻠﻰ اﻟﺟ‬. LWC Management Corp. 2090 Adam Clayton Powell Jr. Boulevard. Suite 203, New York, NY 10027 :‫ وﻋﻧواﻧك إﻟﻰ‬2020 ،‫ ﻣﺎرس‬23 ، ‫ﻗﺑل‬ ‫ﯾﺟب إرﺳﺎل ﻧﻣﺎذج اﻟطﻠﺑﺎت ﻋن طرﯾﻖ اﻹﻧﺗرﻧت أو ﺧﺗﻣﮭﺎ ﺑﺧﺗم اﻟﺑرﯾد‬."ARABIC" ‫ب ﺑﺎﻟﻠﻐﺔ اﻹﻧﺟﻠﯾزﯾﺔ ﻛﻠﻣﺔ‬ ‫ اﻛﺗ‬،‫اﻟﺧﻠﻔﯾﺔ ﻟﻠﻣظروف‬ Mayor Bill de Blasio • HPD Commissioner Louise Carroll • HDC President Eric Enderlin

Harlem Community Newspapers | January 30. 2020

Studio

$367

Annual Household Income3 40% AREA MEDIAN INCOME (AMI) UNITS

1 bedroom

30% AREA MEDIAN INCOME (AMI) UNITS

Studio

Units Household Available Size2

60% AREA MEDIAN INCOME (AMI) UNITS

Monthly Rent1

Unit Size

How Do You Apply?

Apply online or through mail. To apply online, please go to nyc.gov/housingconnect. To request an application by mail, send a self-addressed envelope to: LWC Management Corp.

2090 Adam Clayton Powell Jr. Boulevard, Suite 203, New York, NY 10027. Only send one application per development. Do not submit duplicate applications. Do not apply online and also send in a paper application. Applicants who submit more than one application may be disqualified.

When is the Deadline?

Applications must be postmarked or submitted online no later than March 23, 2020. Late applications will not be considered.

What Happens After You Submit an Application?

After the deadline, applications are selected for review through a lottery process. If yours is selected and you appear to qualify, you will be invited to an appointment of eligibility to continue the process of determining your eligibility. Appointments are usually scheduled from 2 to 10 months after the application deadline. You will be asked to bring documents that verify your household size, identity of members of your household, and your household income.

3

COMMUNITY

HARLEM COMMUNITY NEWSPAPERS

Be A Census Taker Extra income Flexible hours Weekly pay Harlem Community Newspapers | January 30. 2020

Paid training

Apply Online 2020CENSUS.GOV/JOBS $28/Hr in NYC For more information or help applying, please call 1-855-JOB-2020 Federal Relay Service: 1-800-877-8339 TTY/ASCII www.gsa.gov/fedrelay The U.S. Census Bureau is an Equal Opportunity Employer.

D-1569 | April 2019

4

PHOTO SOURCE: (c) g-stockstudio / iStock via Getty Images Plus

Small Business Owners Say Continual Tech Investments Are Critical (Statepoint)

A

new survey of small business executives reveals key insights of what it takes to stay competitive today -- and technology and attracting top talent are crucial.

The survey, conducted

by The Harris Poll and sponsored by CIT Group Inc. (NYSE:CIT), explores the intersection of technology and talent to identify small business executives’ top priorities for investment and growth.

Among those surveyed, 37% plan to invest even more in their businesses during the next 12 months compared to the past 12 months, and of those planning to invest, cloud computing systems, customer relationship management tools and cyber security/data privacy are key priorities.

“Understanding these key insights and trends can help small businesses maintain a competitive edge and also drive growth,” says Ken Martin managing director of CIT’s Small Business Solutions unit, which offers lending options that give small

businesses the financial agility needed to adopt advanced technology-enabled solutions.

The survey also revealed that earlier technology investments have already paid off for small businesses, with more than 40% crediting tech spending as a top driver of growth over the past 12 months. Additionally, 84% of survey respondents agreed that continuous technological investment is a business need. 79% agree that it’s critical in helping to attract and retain customers.

At the same time, small business leaders recognize that their workforce will play a major role in implementing technology investments and addressing the risks that may come with them. While 82% of survey respondents say their current workforce is tech-savvy enough to keep up with the pace of digital transformation, 69% also say they focus on hiring tech-savvy employees.

“Technology is only as effective as the employees that implement it and the customers that benefit from it,” says Denise Menelly, CIT executive vice president and head

of Technology and Operations, “Our own successful integration of technology and talent has been instrumental in empowering both our clients and employees.”

Cybersecurity and data privacy are top of mind for small business executives, as 56% say that the risk of security or data breaches are among the top concerns when it comes to technological changes. Other concerns include not knowing how new technology will work with current tools or systems and not having enough capital to invest in the latest technology.

Less than a third of small business executives are currently outsourcing financial aspects of their business, such as payroll, credit protection, talent acquisition and accounts receivables management. However, as companies add more employees, it’s more likely that they’ll consider outsourcing these various services.

As small businesses beef up their investments, they are focusing on technology and talent, which experts say is a formula for success in a competitive market.

COMMUNITY

HARLEM COMMUNITY NEWSPAPERS

Rev Julius Walls Leads Greater Hood Celebrating Its 200th Anniversary

J

ulius Walls Jr. is a dedicated ordained minister, devoted husband, and dutiful father and is known for his preaching, teaching, and speaking. Rev. Walls is the pastor of Greater Hood Memorial African Methodist Episcopal Zion Church, the first Black Church in Harlem, New York. since 1820.. This year Greater Hood is celebrating the church’s 200th Anniversary on Sunday, March 20, 2020 at the church, located on 146th Street between 7th and Lenox Avenues.

Reviving the congregation at Greater Hood, Rev. Walls’ vision is to be used by God to lead people to a relationship with and be instruments of Jesus’ generosity, joy, and justice in the world. While Rev. Walls sees the Sunday worship as a critical component to the internal change in the individual, he preaches and teaches that it

is only the beginning as they live the external life of love in action. Rev. Walls has led Greater Hood to establish active ministries of partnering with the local elementary school to provide volunteers and financial support, feeding and clothing those in need, urban outreach through the unique Hip-Hop Church, and visiting the incarcerated at Rikers and developing programs to assist them as they return home, and as well as providing worship space for other faiths. Greater Hood is also engaged in the work of sup-

porting the long-time residents who wish to thrive in today’s Harlem.

Rev. Walls has worked in business, academia, and ministry. He has served as pastor at two A.M.E. Zion churches, currently Greater Hood and formerly at Metropolitan. Rev. Walls is also the President of Greater Centennial Community Development Corp., which engages in real estate development and management (housing/ homeownership). He has served as Chief of Staff of Greater Centennial Church, a 6000-member church; as CEO of Greyston Bakery, a $7 million social enterprise; as Vice President of Operations for a $23 million chocolate manufacturing company; and as an adjunct professor at the business graduate schools at two universities, New York University and Bainbridge Graduate Institute. He is a pub-

lished co-author of MISSION, INC., The Practitioners Guide to Social Enterprise, 2008.

Rev. Walls has directly touched thousands of lives through his work at for-profits, non-profits, universities, and churches. Walls has taught, preached and spoken extensively throughout the country on the topics of Social Enterprise, Social Purpose Businesses, Social Justice and Business, Spirituality in the Workplace, and Business Development in the Inner City. Rev. Walls has built businesses and consulted for others, coached executives, mentored students, and inspired thousands of people to be the best they can be. He has developed life skills programs, affordable housing and homeownership opportunities, performed strategic planning that has lifted organizations higher. In his various roles he has met with Presidents

(Clinton and Obama), spoken at multiple universities including several Ivy League, served and serves on multiple corporate, non-profit, and government boards as chair and member atlarge. Walls served as an invited participant in the John F. Kennedy School of Government’s Executive Session on Transforming Cities through Civic Entrepreneurs at Harvard University, was named the first Social Entrepreneur in Residence at New York University, and has twice been named one of the Ten Most Influential Blacks in Westchester by African-American Chamber of Commerce.

Core ingredients in Walls’ life and his career are his relationship with God, spiritual practice, family, and service, which seeds were sown by his parents in his native Bedford-Stuyvesant in Brooklyn, New York. Walls has been mar-

ried to his college sweetheart for over 30 years. They have three children. Walls attended high school and college seminary before deciding to pursue a career in business. He studied business at Baruch College and completed his bachelor’s degree at Concordia College. He returned to ministry in 2001 to encourage people to be what God intends us to be, loving participants in the world. His seminal sermon, “Are You Christian on Monday?” challenges everyone, Christians and Non-Christians, to carry their values into their everyday lives.

Greater Hood and the community will celebrate the Church’s 200th Anniversary with a banquet gala in Harlem on March 20, 2020 with Bishop Dennis V. Proctor, Presiding Prelate of the A.M.E.Z. Church commemorating the event with them.

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OP EDITORIAL

HARLEM COMMUNITY NEWSPAPERS

OP-ED: Redefining Suffrage, Unerasing Black Women

By Gwen McKinney

S

Black women’s demand to be

This centennial year is an ap-

ojourner Truth. Harriet Tub-

equal and heard extends beyond the

propriate time to redefine universal

man. Ida B. Wells. Shirley

century run-up to the 19th Amend-

suffrage through the prism of tri-

Chisholm. Rosa Parks.

ment. It was intersectional and

umphs and tragedies. Trust Black

These household names, span-

linked with abolition of slavery, an-

women must be more than a cliché.

ning a couple of centuries, qualify

ti-lynching battles, literacy drives,

Unerased Black Women prom-

for the Suffrage Hall of Fame.

sharecropper land rights campaigns

ises to create brave spaces and in

Almost a buzz word syn-

many Black women led suffrage

and the establishment of a radical

alliance with Black newspapers

onymous with the Year of the

campaigns, the 19th Amendment

Black press that was led by many

across the country, unfurl a frank

Woman, in 2020 the centerpiece

put white women on an empower-

Black women suffragists.

public conversation about Suf-

of suffrage will be marked by

ment tract to electoral engagement.

Our suffrage quest continued

the 100th Anniversary of the

Interestingly, the suffrage move-

through the Civil Rights Era and

Through a digital destination,

19th Amendment granting wom-

ment, festooned in the symbolic

passage of the Voting Rights Act

we’ll turn our ear to a beating heart

en’s voting rights. Referred to as

color white, is often portrayed

of 1965 which finally, for the first

of resilience, resistance, words and

a bold justice movement, suffrage

through a narrow window uncom-

time, delivered the franchise to

deed. Daughter of slaves, descen-

will be celebrated as America’s

plicated by the strictures of race

Black people in the South.

dants of warriors, writers, journal-

march to full democracy.

and power that framed the Amend-

Rewind centuries earlier.

ists, teachers, mentors, activists

ment then and now.

Our demand to self-govern

– universal suffragists all – have

In popular parlance, can we unpack the significance of suffrage

Look no further than the his-

predates the formation of this re-

and inclusive democracy for Black

torical landscape of that moment.

public, beginning in 1619 when

Frances Ellen Watkins Harp-

women? Words matter. But the im-

Congressional approval of the Act

the first Africans, snatched from

er. Anna Julia Cooper. Mary Ann

pact and impetus of their meaning

in 1919 was the same year as the

their ancestral home, landed on

Shadd. Harriet Jacobs. Josephine

matter more.

infamous Red Summer, a tumultu-

these shores. Those nameless suf-

St. Pierre Ruffin. Mary McLeod

ous white supremacist reign of ter-

frage pioneers joined with their

Bethune. Fannie Lou Hamer. Ella

ror and lynching in Black commu-

men to resist and carry the torch

Baker. Gertrude

Suffrage is the right to vote

nities across the country. One year

for all people – Native Americans,

ell. Charlotta Bass. Marvel Jackson

in public elections. Universal suf-

after the 19th Amendment was

Chinese immigrants and even Irish

Cooke.

frage means everyone gets to vote,

adopted in 1921 racist mobs set

indentured servants – denied fun-

Most of these women can’t

as opposed to only men or property

ablaze Tulsa, OK, decimating what

damental liberty. Then and now,

claim household name status in the

holders… For example, after trying

was revered as Black Wall Street.

we wage claims to own our bodies,

traditional suffrage roll call. But

voices and choices.

their noble stories will be unerased.

Here’s a composite definition

Harlem Community Newspapers | January 30. 2020

from online dictionaries:

6

frage, Race, and Power.

something to say.

Vol. 25, No 5 January 30, 2020

Bustill-Moss-

for about a hundred years, Amer-

The Year of the Woman battle

ican women were granted suf-

cry is perversely at odds with Black

We build on that truth by rede-

frage and voted for the first time

women’s unbroken quest for liber-

fining suffrage beyond the limited

in 1920.

ation. Although lauded today as the

act of casting a ballot. For Black

Gwen McKinney is campaign

The 19th Amendment was

most reliable and consistent voting

women, the narrative is rooted

director of an initiative, “Suf-

adopted Aug. 18, 1920, after the

bloc for democratic change, we’ve

in telling herstory, unerasing the

frage. Race. Power: Unerased

required number of states ratified

historically endured being margin-

achievements of yesterday and the

Black Women,” that will launch in

the constitutional measure. Though

alized, dismissed and erased.

possibilities for the future.

March.

Stay tuned as suffrage, redefined, meets our truth.

subscription information page 22

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HARLEM COMMUNITY NEWSPAPERS

Thinking About Refinancing? 5 Things to Consider (Statepoint)

M

ortgage rates have recently hit near-record lows and Freddie Mac predicts rates will remain low for the foreseeable future.

If you haven’t already taken advantage of the lowrate environment to refinance your home, experts say it’s worth considering.

“There are lots of reasons to refinance your home mortgage when rates go down,” says Liz Bryant, national sales manager for Wells Fargo Home Lending. “Lower rates can reduce your payment, shorten the overall length of your loan or provide you access to cash that you can use for home improvements or other expenses.”

Here are a few things to consider if you’re thinking

of taking that step: • It may make sense to refinance if your goal is to reduce your monthly payment as well as the interest you will pay over the life of the loan. A mortgage consultant or refinancing calculator can help you decide.

Reducing your payment will free up money for saving, investing or spending in other ways.

• Refinancing can shorten the length of your loan, for example, by reducing your loan from a 30-year repayment period to 15 or even 10. That can allow you to pay the loan off faster and reduce the amount of interest you pay. But, depending on your individual situation, it could mean a larger monthly payment.

• Some homeowners refinance to tap into available equity. This can be useful

PHOTO SOURCE: (c) Tero Vesalainen / iStock via Getty Images Plus

if you’re paying for a large project like a home renovation or are making another large purchase. You should talk to a home mortgage consultant to see if a cashout refinance fits into your

long-term financial goals or whether a home equity line of credit makes more sense for this need.

• If you have built up equity in your home, you may want to consider re-

financing to remove mortgage insurance. Typically, you can request your lender to remove mortgage insurance if you show you have at least 20 percent equity in your home. However, if you

have a government-backed mortgage, you will need to refinance to a conventional loan to remove your mortgage insurance, which will reduce your monthly payment. You can find more details at yourhomematters. wf.com.

• Finally, if you want to move out of an adjustable-rate mortgage and into a fixed-rate one, refinancing may make sense.

Depending on rates, your payment could be higher, but doing so will protect you against rising rates in the future.

“If you’re thinking of refinancing, take some time to do some research and talk to your mortgage lender,” says Bryant “Refinancing may save you money over the long-term and help you achieve your financial goals.”

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CALENDAR

HARLEM COMMUNITY NEWSPAPERS

HARLEM CALENDAR OF COMMUNITY EVENTS

the Color of Power Exhibition Program (Jan 30)

Harlem Community Newspapers | January 30. 2020

Free Weekly Live Entertainment ● Harlem Shake (100 W. 124th St): Fri, 7-10pmOpen Mic with Live Musicians ● Mist Harlem (46 W. 116th St): Th starting at 8pm- Live Music; Fri, 10pm-2am- Live Jazz ● Lenox Sapphire (314 Lenox Ave): Th starting at 7-11pm- Live Jazz ● Chez Lucienne (308 Lenox Ave): Fri & Sat, 7-10pm- Live Blues ● Savanna Raes Harlem (2070 ACP Jr. Blvd): Fri, 9-11pm- : Live R&B and Soul ● Maison Harlem (341 Saint Nicholas Ave.): Sun 5-8pm, Live Jazz Vocalist Lady Leah ● Red Rooster (310 Malcolm X Blvd) Mon (Hip Hop); Tues (Live Blues); Thur-Sun (Live Jazz), starting at 7:30pm ● El San Juan Restaurant (1429 5th Ave) Sun 11am-4pm (Sunday Brunch with DJ music)

8

Now until February 2 EXHIBITION An Emphasis on Resistance: 2019 CIFO Grants & Commissions Program Exhibition El Museo del Barrio is delighted to host An Emphasis on Resistance, the Cisneros Fontanals Art Foundation’s 2019 Grants & Commissions Program exhibition highlighting new works by nine award-winning artists from seven Latin American countries, divided into three categories: Achievement Award - Cecilia Vicuña (Chile); Mid-Career Artists - Leyla Cárdenas (Colombia), Ana Linnemann (Brazil), Yucef Mehri (Venezuela) and Nicolás Paris (Colombia); and Emerging Artists - Susana Pilar Delahante (Cuba), María José Machado (Ecuador), Claudia Martínez Garay (Peru), and Oscar Abraham Pabón (Venezuela).

1230 Fifth Avenue.

January 30 6:00pm The Color of Power Exhibition Program: Artist Talk with Edgardo Miranda Rodriguez Join CCCADI for their monthly exhibition program where we will be delving into the world of Black comics to explore the depths and nuances of this famed genre. On this occasion, exhibition curator and creator of La Borinqueña, Edgardo Miranda-Rodriguez of Somos Arte, will be talking about the fascinating process of creating this much needed Afro-Boricua SuperShero.

Make sure to bring your La Borinqueña comics because the talk will be followed by a signing. 120 East 125th Street. Donation based.

January 31 6:00-8:00pm Art Inspired by Camilla D’Errico Come create your own masterpiece inspired by work from famous artists and various techniques. The series will include an overview of the artist or technique, followed by a hands-on workshop. Pelham Fritz Recreation Center. 18 Mount Morris Park West.

FREE. January 31 8:00pm George Dalaras, Songs of Our Life, feat. Michalis Tzouganakis A three hour show with legendary songs by the world renown artist George Dalaras, with the Cretan virtuoso and vocalist Michalis Tzouganakis, the beautiful voice of Aspasia Stratigou, and the participation of virtuoso and vocalist Alexandros Tzouganakis, who follows the steps of his father Michalis. Apollo Theater. 253 W 125th Street. $53 and up.

February 1 1:00-2:00pm Dozie Kanu: Function On a guided tour of

For the Cool Kids (Feb 1) Dozie Kanu: Function at Studio Museum 127, explore the relationship between form and function.

Engage in a dialogue across materials and objects as you consider the boundaries between art and utilitarian design.

Adults, families, and kids of all ages are welcome!

Studio Museum. 429 W 127th Street. FREE with Museum admission.

sic Café DJ Hard Hittin’ Harry, this event offers activities for youth, such as performances from the National Jazz Museum in Harlem’s Oom Bop Sh’Bam, Sugar Hill Children’s Museum of Art & Storytelling’s “What is Cool about Harlem,” and ImageNation’s screening of award-winning miniseries, Little Apple. 253 W 125th Street. FREE.

February 1 2:00pm First Saturday Jam Session with David Durrah Calling jazz musicians of all ages! Grab your instrument, bring a chart, and build your chops with Harlem icon David Durrah. Saturday Sessions are a space for musicians and fans alike to soak up Harlem’s vibrant live music scene. National Jazz Museum in Harlem. 58 W 129th Street. FREE with suggested donation.

February 3 6:30-9:00pm Always in Season Join for a free, public screening of the Independent Lens documentary “Always in Season.”

Directed by Jacqueline Olive, the documentary explores the lingering impact of more than a century of lynching African Americans and connects this form of historic racial terrorism to racial violence today. Schomburg Center. 515 Malcolm X Blvd. FREE.

February 1 1:00-6:00pm Apollo Open House Celebration of Cool In celebration of Black History Month, the world famous Apollo Theater opens its doors for a unique and FREE glimpse into the Apollo’s rich history and current programs. This year’s Open House, Celebration of Cool, features multimedia presentations looking back on the Apollo’s place within Black history and a live performance from Apollo Music Café alum Casey Benjamin.

This event also includes an advance screening of the documentary American Masters—Miles Davis: Birth of the Cool followed by a panel moderated

by NJTV NewsCorrespondent/Anchor and WBGO-FM host, Michael Hill.

253 W 125th Street. FREE. February 1 1:00pm Apollo Open House 2020: For the Cool Kids Hosted by the Apollo Music Café’s Jodine Dorce with Apollo Mu-

February 4 7:00-9:00pm The MOTH StorySLAM: Only in Harlem ONLY IN HARLEM: Prepare a five-minute story about life in one of the world’s most iconic neighborhoods. Schomburg Center. 515 Malcolm X Blvd. $15.

February 5 7:30-10:00pm The Futurism is Ours: The New Negress Film Society The Futurism Is Ours is a program of afro- and feminist-futurist films that explore present-day dilemmas, envision the future, and re-imagine the past. By expanding notions of time, outer space, memory, and collective trauma, these artists treat cinema as a space for exploring and representing the often tangled intersections between diaspora and colonial legacies, utopia and dystopia, and for foregrounding a vision of black and queer liber-

Always in Season (Feb 3) ation. Maysles Cinema.

343 Malcolm X Blvd. $12.

February 6 6:30-8:30pm Housing Discrimination in the Jim Crow North and the Case for Reparations Join historians Beryl Satter, Keeanga-Yamahtta Taylor, and Nathan Connolly in this discussion of the ways in which housing policy, over the course of the 20th and into the 21st century, created and re-created inequality.

Schomburg Center. 515 Malcolm X Blvd. FREE. February 6 10:00pm Apollo Comedy Club The Apollo Comedy Club celebrates the Theater’s rich comedic roots.

The Apollo Comedy Club features the best up and coming talent in comedy today. Featuring Rob Love, Coby Jackk and Comedian Stiletto. 253 West 125th Street. Tickets starting at $22.

February 8 11:00-12:00pm Power Portraits What does power mean to you? Explore this question as you make a mosaic using colorful materials. Inspired by the artist Mickalene Thomas consider composition, shapes, and colors! Parents, caregivers, and organizations servicing little ones under 5 years old are invited to the NYPL Harlem Library to enjoy art-making and other activities that encourage creative time and bonding. 9 W 124th Street. FREE. February 8 9:00-3:30pm Love Your Body Fitness Marathon Join Pelham Fritz for a day of fitness, fun, and cardio! Take your favorite class or try a new one they have something for everyone with five hours of various fitness classes to choose from. Bring a friend and some water, and get ready to get fit!

Pelham Fritz Recreation Center. 18 Mount Morris Park West. FREE. February 8 9:00pm Apollo Music Cafe: Rue Brown Mix a bit of sugar with cinnamon and spice and just the right amount of sass and you’ve conjured Rue Brown for an unforgettable night of music.

Known for her engaging stage presence and soul-baring songs, Rue delivers a blend of jazz, hip hop and soul. 253 West 125th Street. Tickets starting at $22.

February 8 12:00-4:00pm Power of SouSou: Journey into the Blackverse Families, fans, and cosplay community members come celebrate the fantastic worlds of the Black comic universe with The Color of Power: Heroes, Sheroes, & Their Creators exhibition. Power up your inner and outer superhero, or supershero! CCCADI 120 E 125th Street. FREE. February 21 6:00-8:00pm Oscar Sanders at the Sisters Uptown Bookstore Award-winning author/poet/filmmaker/spoken word performer Oscar Sanders launches his social justice spoken word book Exposing Politics: A Collection of Poetry at Sisters Uptown Bookstore and Cultural Center. Oscar Sanders will perform a set of portions of his book in ten (10) different characters “Oscar Sanders is the Dick Gregory and Paul Mooney of spoken word” Playwrights Horizon says, Exposing Politics is a poignant meditation of the troubling state of American Politics.” Refreshments will be served.

1942 Amsterdam Avenue at 156th St. FREE.

EVENTS

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Harlem Community Newspapers | January 30. 2020

“DAVID ALAN GRIER

–MARILYN STASIO,

9

MEMORIAM

HARLEM COMMUNITY NEWSPAPERS

IN MEMORIAM: Lakers Legend Kobe Bryant Killed in Helicopter Crash

By Stacy M. Brown, NNPA Newswire Senior Correspondent @StacyBrownMedia

Harlem Community Newspapers | January 30. 2020

L

10

os Angeles Lakers legend Kobe Bryant and his daughter, Gianna Maria Onore, were among nine people killed in a helicopter crash on Sunday, January 26, 2020. Bryant was 41, and his daughter, affectionately known as GiGi, who was only 13.

“As the reports came in on the death of Kobe Bryant, his daughter and the other passengers on board his helicopter we all were shocked and saddened by the news of a life gone far too soon,” stated Danny J. Bakewell, Sr., the chairman and executive publisher of NNPA member newspaper, the Los Angeles Sentinel. “Whether you were a Laker fan or not, the news seemed surreal.”

Bakewell continued: “This tragic death of a young man dying in the prime of his life is a reminder to us all of just how precious life really is and how we must all embrace life, love and family and never forget what is really important. Kobe was a warrior on the basketball court, and he seemed to ease his way into retirement life with the same passion and enthusiasm that we all admired when he was playing in the NBA. My thoughts and prayers go out to his parents, his wife, his children and all those who admired Kobe Bryant not only as a basketball star but as a Man, a Son,

a Husband and Father.”

Dr. Benjamin F. Chavis, Jr., the president and CEO of the NNPA, said the Black Press joins with the rest of America in mourning Bryant’s death.

“The National Newspaper Publishers Association expresses our profound sympathy and sincerest condolences to the family of Kobe Bryant,” Chavis stated.

Denise Rolark Barnes, the publisher of the Washington Informer also offered her condolences to the Bryant family.

“Our hearts cry out for Kobe Bryant and his family,” Rolark Barnes stated. “Our memories of his phenomenal life and career will never die.”

TMZ reported that the 5-time NBA Champion was en route to his Mamba Academy for a basketball practice when the crash occurred. The academy is north of Los Angeles in the city of Thousand Oaks.

In a statement, Los Angeles Mayor Eric Garcetti said Bryant was a giant who inspired, amazed and thrilled people everywhere. “He will live forever in the heart of Los Angeles and will be remembered through the ages as one of our greatest heroes,” Garcetti stated.

“This is a moment that leaves us struggling to find words that express the magnitude of shock and sorrow we

are all feeling right now, and I am keeping Kobe’s entire family in my prayers at this time of unimaginable grief.”

The helicopter, an S-76 owned by Bryant, crashed and caught fire at about 10 a.m. Pacific time, according to the Los Angeles County Sheriff’s Department. Rescue crews were on location within moments, but officials said it was too late to save anyone aboard.

“He’s way too young,” Laker legend Earvin “Magic” Johnson stated. “I was supposed to pass away before him. He’s gone way too soon.

It’s a devastating loss for all of us.” Another Lakers legend, Kareem Abdul Jabbar, who played against Bryant’s father, Joe “Jellybean” Bryant, said he was stunned. “Most people will remember Kobe as the magnificent athlete who inspired a whole generation of basketball players,” Jabbar tweeted. “But I will always remember him as a man who was much more than an athlete.”

Shaquille O’Neal, who won three NBA titles with Bryant and the Lakers from 2000 to 2002, tweeted that his late and former teammate was much more than an athlete. “He was a family man. That was what we had most in common,” O’Neal wrote. “I would hug his children like they were my own

and he would embrace my kids like they were his. His baby girl Gigi was born on the same day as my youngest daughter, Me’Arah.”

Current Lakers star LeBron James was seen leaving the team’s airplane in tears.

He didn’t address reporters.

A spokesperson for the Lakers said the team plans to address the heartbreaking matter “soon.”

Ken Miller, the publisher of the Inglewood, California-based NNPA member newspaper, Inglewood Today, said he was also in shock and devastated by the news. Miller covered Bryant for years for the Los Angeles Sentinel and said the superstar had previously given him his personal cell phone number.

“When Jerry West drafted Kobe at the age of 17, no one knew exactly what the franchise was getting,” Miller stated. “He evolved to [become], I

would say, the greatest Laker of them all, and I had the opportunity to cover and meet him personally and at one time just out of the blue as a reporter. I was so starstruck by him by his air, by his intelligence, and he had a reclusiveness to him as well, that I just walked up to him and asked him for his personal cell phone. He gave it to me, and it was at a time when Shaquille O’Neill was gone, and the Lakers had just won three championships. He ultimately wanted to connect with the African American community.”

Born in Philadelphia in 1978, Bryant was initially drafted by the Charlotte Hornets with the 13th overall pick of the 1996 NBA draft, but forced a post-draft trade to the Lakers, stating it was the only team he’d join. Bryant spent his entire career with the Lakers, winning five NBA championships and the 2008 MVP Award. He topped Michael Jordan for third place on the NBA all-time scoring list in December 2014 and retired in 2016 after scoring 60 points in his final game. His uniform numbers 8 and 24 were both retired by the franchise, making him the only NBA star to have two numbers retired with the same team. In 2018, Bryant earned an Academy Award for Best Animated Short Film for Dear Basketball.

The late superstar sup-

ported at least seven charities and foundations, including After-School All-Stars, Aid Still Required, Cathy’s Kids Foundation, and the Kobe and Vanessa Bryant Family Foundation, where he and his wife are dedicated to improving the lives of youth and families in need, both domestically and globally. The foundation provides financial resources and develops unique programs that serve to strengthen communities through educational and cultural enrichment opportunities.

Even as a lifelong New York Knicks fan, a team that saw Bryant crush their hopes on many a night, the death of the man known as “The Black Mamba” is as stunning as any this reporter has seen. In 1979, in a similarly shocking tragedy, during a season in which they were trying to defend their World Series title, the New York Yankees lost their beloved captain, Thurman Munson, in a plane crash. While Munson was only one of the cogs in a Yankee team that had captured back-to-back titles in 1977 and 1978, Bryant was the unquestioned leader of the Lakers, one of the most storied franchises in sports, who turned out such superstars as Magic Johnson, Kareem Abdul Jabbar, James Worthy, and Shaquille O’Neal.

“He was the greatest of all Lakers,” Magic Johnson stated Bryant is survived by his wife, Vanessa Laine Bryant, and children Natalia, Bianka, and Capri.

HARLEM COMMUNITY NEWSPAPERS

FILM

FILM REVIEW: Bad Boys for Life T

By Dwight Brown, NNPA Newswire Film Critic

hey first teamed up for Bad Boys in 1995, to great box office success. There was an encore in 2003, Bad Boys II, which was distinguished by incredible stunts. Now, Will Smith and Martin Lawrence go back to the same well one more time. Is there any water left?

A sporty looking, deep blue 992-Generation Porsche speeds through the streets of sunny Miami. If a reckless twentysomething was behind the wheel, you’d call the car a chick magnet. Instead it’s 51-year-old Detective Mike Lowrey (Smith) steering the vehicle with his lead foot on the acceler-

ator. In his hands the sports car is more a middle-ager’s last grasp at youth. Lowrey’s 54-year-old partner Detective Marcus Burnett (Lawrence) sits petrified in the passenger seat, holding on for dear life and nauseated by the hyper-dangerous ride.

According to the blueprint drawn by screenwriters Chris Bremner, Peter Craig (The Town) and Joe Carnahan (Narc, TV’s The Blacklist), this is how the film will play out: A plot involving revenge from a former Mexican assailant Isabel Aretas (Kate del Castillo, All About Nina) and her minion (Jacob Scipio, Hunter Killer) evolves. Assassinations of

lawyers and judges rain down on Miami like a summer storm.

A new police unit named AMMO takes charge of the investigation, headed by a tough captain named Rita (Paola Nuñez, TV’s The Purge) and her

elite group: tech wizard Dorn (Alexander Ludwig, The Hunger Games), weapons expert Kelly (Vanessa Hudgens, Spring Breakers) and the very sarcastic Rafe (Charles Melton, TV’s Riverdale).

Can they do the job? Will

Mike and Marcus hurt or help them?

Subtly and brazenly, in humor and family drama, the script rips into the ages of the two protagonists like someone pouring salt on an open wound.

The “boys” have lost a

few steps and added gray hairs industrial strength Grecian Formula can’t fix.

The contrasts between the veterans and the new justice league gets played for laughs persistently, especially between Smith and Melton.

Crime/action/thriller fans will be in their glory with this orgy of violence, blue language, sexy flirtations and good versus evil battles. It’s fun. There’s a strong verve that is completely contagious and will likely help this sequel achieve record-breaking box-office success.

Bad Boys for Life is all it needs to be. And then some! Get ready for it.

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FOCUS

HARLEM COMMUNITY NEWSPAPERS

Harlem Residents Welcome Zwanger-Pesiri Radiology “Now Getting Your Mammogram or MRI is Convenient if You Live or Work in Harlem”

by Clarke Illmatical

H

Harlem Community Newspapers | January 30. 2020

arlemites, don’t have to travel to the Upper West or East Side for mammograms and MRIs any longer. Zwanger-Pesiri Radiology offers state of the art imaging center in Harlem, conveniently located on the corner of 125th and St. Nicholas.

This is exactly what is needed, to help women with their fight against breast cancer.

(l-r) Harlem Business Women welcome Zwanger to Harlem. (l-r) Princess Jenkins, Brownstone; Lil Nickelson, Consultant; Pat Stevenson, Harlem News, Chante Jordan, Pr Director, Zwanger

(left) Chevell Thomas, Bank Teller at Industrial Bank inquires about Zwanger services.

.Frequent mammography screenings can help the fight and Zwanger wants women in Harlem to know they have a state of the art facility in their neighborhood.

Some long time Har12

lem residents visted Zwanger recently to tour the facility.

According to the CDC, Black women are more likely to get Triple-Negative Breast Cancer. This type of cancer

is extremely aggressive, harder to detect. For that reason, it is extremely important to get screenings frequently and as early as possible.

What sets Zwanger, Harlem location apart from any other radiology facility is that all of the equipment is brand

new. State of the art imaging technology is also very safe, so there is little threat when it comes to screenings or the number of screenings that a patient can have.

Zwanger is new to Harlem as of 2019, howeve they have 33 locations and been provid-

ing radiology services in New York for more than 60 years.

Zwanger’s mammography equipment provides detailed imaging and provides them with details on each breast screened. They also have 3D imagiing for breast cancer.

“In the past, I spoke to patients who were only allowed to have two MRIs in a year, because it is such high radiation.

With all of our equipment being the latest and greatest, low radiation, to no radiation. There’s no limit on how many times you can be scanned in a

FOCUS

HARLEM COMMUNITY NEWSPAPERS

(l-r) seated: Harlem Resident Carolyn McBaine, Harlem Resident Dr. Marcella Maxwell; Standing Christine Gordon, CT/MRI tech, Zwanger; Harlem Resident Hubert Collins; Chante Jordan, PR Director, Zwanger; Dr. Stephen Kremer, Radiologist, Zwanger; Carlos Ignacio, ZP marketing representative, Zwanger.

Photos by Clarke Illmatical

year at our facility” explained Zwanger PR Director, Chante Jordan.

Many women, find breast screenings uncomfortable. Jordan dis-

cussed why the slight discomfort is necessary saying “We want to capture every angle and everything inside of your breast. Our tech moves

very slowly. She also has a dialogue with the patient to make sure they are not in excruciating pain. However, it is very quick.”

Zwanger offers two types of mammograms -- screenings, and diagnostics. Screenings are mandated by the state of New York and by an individual’s insurance. These visits do not require a referral from a physician. A diagnostic exam is provided after you’ve been diagnosed.

Pat Stevenson, Publisher of the Harlem Community News said, “I am thrilled to have an imaging facility conveniently located right here in Harlem where I live. I am a 3 -year triple negative breast cancer survivor and have to take a mammogram every 6 months. Zwanger has the latest equipment and I will be coming here.”

Over the years, Black women typically had screenings for breast

cancer in their 40s. However, due to recent studies and statistics, many health care professionals recommend breast examinations at 35 years of age.

In addition to mammography machines, Zwanger has MRI machines, cat scan, X-ray, ultrasound, and Dexa for bone density testing.

“We’re family-owned and operated. We moved into a neighborhood

where there are currently no services available for those within blocks of our facility. We’re here for the community” explained Jordan.

Zwanger accepts most insurances. For more information go to zprad.com or call today for an appointment (718-732-0222).

The 2020 Census informs funding for walk-in clinics, Medicare and all types of health services. Rest assured your answers are safe and secure.

Learn more at:

2020CENSUS.GOV Paid for by U.S. Census Bureau.

Harlem Community Newspapers | January 30. 2020

If it were up to me, we’d have all the healthcare we need.

13 2019_Census_Seniors_Newspaper_HalfPage_SizeF_9_66x4_75.indd 1

1/15/20 10:11 PM

HARLEM COMMUNITY NEWSPAPERS

CONSUMER

Credit Application Denied? Here’s What to Do Next (Statepoint)

I

t’s no fun being denied anything, especially credit. Usually when someone is trying to get a line of credit, it’s for a big reason or major life milestone and having a credit application denied can feel like a real setback. But this rejection isn’t something to take personally. It’s more common than people realize and doesn’t spell doom for your financial future. In fact, credit denials can be a good opportunity to take proactive steps to improve your credit health long-term.

How will I know I’ve been denied credit? If a lender denies your credit application, they will send you a letter called an “adverse action notice.” Don’t worry -- it sounds more menacing than it really is. This letter

PHOTO SOURCE: (c) Igor Vershinsky / iStock via Getty Images Plus

will explain why the lender denied your application and give you information about the credit reporting agency where they got your information. With the notice, you are entitled to get a free credit report from that agency within 60 days. While the credit re-

porting agency provides your information, the lender ultimately makes the decision on whether to grant credit or not.

If you need more information specifically about your denial, it’s usually best to contact the lender directly.

Why was I denied cred-

it? There are many reasons a credit application could be denied and the reasons vary by lender, the types of credit requested and your personal credit history. The adverse action letter will list the reason or reasons why you were denied. Common causes in-

clude having a limited credit history, too many recent inquiries and a high balance on current credit accounts. But every situation is different.

If you are still unsure about the reason for the denial after reading the adverse action letter, you can call the lender to find out more.

What should I do if I am denied credit? If you are denied credit, you don’t technically have to do anything.

But that’s probably not your best option. It’s natural to feel bummed about being rejected, but you can use the denial as a motivator to make strides to improve your credit health. Your credit report acts like your financial resume, showing your history of what you’ve done with credit. Read it carefully to see if there are any areas where you could do better. Are your

balances too high? Create a financial plan that includes paying them off as quickly as possible. Did you miss a payment recently? Set up automatic payment options on your monthly bills so you’re always on top of it. Don’t forget to check your report for inaccuracies, as they can occasionally play a role in a denial.

If you’ve been denied credit, learn more and take that first, important step by getting your TransUnion credit report at transunion. com/deniedcredit.

No financial plan is completed without setbacks, but don’t allow those setbacks to keep you from taking action.

Whatever the cause of a credit application denial, there’s a solution. With perseverance and patience, you can achieve your financial goals.

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EDUCATION

HARLEM COMMUNITY NEWSPAPERS

How to Prepare Young Adults for Financial Independence (Statepoint)

A

s you prepare your young adult for college and beyond, it’s important to talk about the road to financial independence, which includes building healthy credit. This is vital for big life moments like getting a car, apartment, house or job, and your child’s credit report will be the financial resume necessary to help him or her achieve these goals.

Use these tips to talk to your student about how to build a financial resume to be proud of, so he or she can confidently take steps toward financial freedom and flexibility.

• Help build credit history early: It can be challenging to get started on your

own without previous credit history. As a parent, you can help start building your child’s financial resume early by adding him or her as an authorized user on your credit card. Just be sure you always pay on time, because your child will inherit that part of your credit story. Set clear guidelines about card usage before adding anyone as an authorized user. Then, monitor your young adult’s card use and always pay on time, because all reported account activity, including negative information, will impact both your credit.

• Explain the importance of on-time payments: It’s essential to consistently pay all bills on time to build credit health and a story of trustworthiness on your child’s financial resume. If your young adult is rent-

ing, the landlord may report rental payments to the credit reporting agencies, so ensure he or she always pays on time. Talk about putting your student’s name on phone or utility accounts, and then maintaining good standing with on-time payments. Timely student loan payments can also help build credit health. Explain that if accounts go into collections or delinquency, that information will hurt credit health.

• Monitor credit reports regularly: Those building credit for the first time should understand what financial story they’re telling creditors. Young adults who move often should confirm that their current address is on their report, along with accurate, up-to-date information for everything else

PHOTO SOURCE: (c) monkeybusinessimages / iStock via Getty Images Plus

on file. Inaccuracies can negatively impact credit health and ability to get credit. Everyone is eligible for one free credit report from each of the nationwide credit reporting agencies each year. Have your child take advantage of this opportunity at annualcreditreport.com.

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THE SKILLS

• Carefully consider a credit card: When your young adult is ready for it, discuss opening one credit card in his or her name, to start building credit length -- another important credit score factor. A student credit card may be a good choice because they generally have lower limits. But be sure

your young adult does some research to find the best fit for his or her situation.

Opening a card, keeping the balance low and making on-time payments can help young adults build their financial resume’s story of responsibility, which could lead to more creditworthiness in the future.

For more tips on how to build credit health, follow @TransUnion on Instagram and download the TransUnion parent toolkit at transunion.com/pathtocredit.

The college years can be a critical time for young adults in many ways. Parents should encourage students to use these years to get started building the credit health they’ll need to achieve their financial goals.

15

HARLEM COMMUNITY NEWSPAPERS

Lotus is a new neighborhood primary care clinic.

We provide primary care and prevention services for children and adults, including: Physicals, Immunizations, Preventive care, Screenings, and Sick Visits.

Adult Primary Care, annual exams, same day sick visits

Harlem Community Newspapers | January 30. 2020

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HEALTH

HARLEM COMMUNITY NEWSPAPERS

Black Women Taking on the Fight Against Diabetes

By Linda Goler Blount, MPH, President and CEO, Black Women’s Health Imperative

T

he cost of insulin is skyrocketing and people—especially Black women—are dying because they cannot afford or don’t have access to vital medication.

There is not enough being done to lower the prices of prescription medications that could mean life or death for so many African Americans that depend on it to live.

Over 30 million people in the United States have been diagnosed with both Type 1 and Type 2 diabetes—including nearly 13% of all non-Hispanic Black people.

According to the Office of Minority Health at the Department of Health and Human Services, African Americans are 80% more likely to

be diagnosed with diabetes and the majority of them are women.

Many of those suffering from diabetes depend on insulin to regulate their blood sugar to remain healthy so that the food they eat does not threaten their lives. Instead of ensuring that people with diabetes can have access to this life-saving drug, some political leaders have put up road block after road block to make it harder for patients to receive care, despite bipartisan outrage by the excessively high cost of prescription drugs.

This isn’t just bad politics: this is a life or death issue for working families across the country, and African Americans are disproportionately

paying the price.

Instead of focusing on lowering drug costs for all Americans, some lawmakers continue to attack the Affordable Care Act and its health care protections for those that have pre-existing conditions. While they do this, as many as one in four people skips insulin doses or ration prescriptions because of the rising cost. Sadly, some of these people are dying as a result—and many black women are specifically at risk.

African Americans are more likely to develop Type

2 diabetes and unfortunately suffer fatalities from type 2 diabetes at twice the rate of their white counterparts.

Black people are overwhelmingly more likely to suffer from debilitating complications caused by diabetes such as amputations, blindness and kidney failure more than their white counterparts. Due to lack of health resources in predominately African American communities, black people receive poorer quality care and get care later when the disease has progressed.

The risk for getting type 2 diabetes increases with age with the highest incidence occurring between 65-75.

This is precisely the point in life when income decreases.

African American women are especially affected. They

are likely to be care-givers and spend their hard-earned money on ensuring family members are healthy making access to insulin a greater challenge.

The health and wellness of Black women must be a top priority so we must take action.

Recently, a coalition of health care, social justice, and faith organizations launched “Affordable Insulin NOW,” a campaign demanding lower drug costs for those suffering from diabetes.

Together, we are raising our voices, amplifying each other’s stories, building onthe-ground teams, and demanding our policymakers and pharmaceutical companies work together to provide access to high quality and affordable insulin.

We need affordable insulin now. Too many lives depend on it.

Linda Goler Blount, MPH, is President and CEO of the Black Women’s Health Imperative (BWHI). Linda oversees BWHI’s strategic direction and is responsible for directing the organization toward achieving its mission of leading efforts to solve the most pressing health issues that affect Black women and girls in the United States.

Before joining BWHI, Linda served as the vice president of programmatic impact for the United Way of Greater Atlanta, where she led the effort to eliminate inequalities in health, income, education and housing through place- and population‐based work.

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Harlem Community Newspapers | January 30. 2020

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17

URBANOLOGY

HARLEM COMMUNITY NEWSPAPERS

The Year of the Rat

2

020 is the year of the Gold Rat it started on January 25th and will last to February 11th, 2021. According to the Chinese Zodiac there are 12 zodiac animals - they are the: Rat, Ox, Tiger, Rabbit, Dragon, Snake, Horse, Goat, Monkey, Rooster, Dog and Pig. A Rat year occurs every 12 years. Recent Rat years are: 1948, 1960, 1972, 1984, 1996, and 2020.

Those born in Rat

years tend to be smart but not the bravest of the zodiac signs choosing to fight only when corned.

They have a quick wit, they are very observant and creative - giving them the ability to take advantage of opportunities when they occur.

This maybe the reason many those who are born in the year of the Rat tend to be wealthy and prosperous.

Each of the zodiac signs connects to one of the five elements: Wood, Fire, Earth, Metal and Water. Gold (metal) Rat years are (1960 and 2020) they are smart talented but can be hot-tempered. Water Rats (1912 and 1972) are talkative conservative and wise.

Earth Rats (19482008) are honest, with a sense of self-awareness. Fire Rats (1936 and 1996) are energetic, friendly and can be very strong willed. Wood Rats (1924 and 1984) tend to be independent, self-confident and virtuous.

Even though there is no love lost for rats and the word rat is often used in a derogatory manor in most societies, the Rat ranks first in the Chinese zodiac (because it out-smarted all of the other eleven animals according to ancient Chinese folklore) and rat years are believed to be a time of material prosperity .

Rat years can also be times of struggle, yet it

is a time to realize goals and dreams which can manifest into abundance and prosperity. Those burn in a rat year have a heightened sense for survival in times of scarcity.

This year is the beginning of a 12 month cycle that will end in on February 11th 2021.

Many view the 2020’s as a time to prosper but like the Roaring 20’s it will be a time to both prosper and struggle.

2020 will be a year to see things as they really are. If you are born in a rat year, you can be unapologetic in promoting your own agenda. It is said that this sign can be motived by its own self interests which in many cases include money.

Greed can become a problem not only for those born on Rat years but for all the signs at this time. During this Year of the Rat it would be wise for us all to learn to find ways to help others while creating ways to help ourselves. All things move in cycles we are in the first cycle of a new decade and the first of twelve cycles in the Chinese zodic.

According to my good friend numerologist Lloyd Strayhorn what we do at the beginning of each cycle will set the stage for years to come.

I wish everyone reading this article a Happy New Year of the Rat may it bring you abundance, prosperity and Joy.

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Harlem Community Newspapers | January 30. 2020

Answers to Puzzle on page 20

18

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WELLNESS

HARLEM COMMUNITY NEWSPAPERS

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n an age of instant messages, video chats and social media, the art of letter writing has become rare. But sitting down to write correspondence by hand can be a much more personal way to connect than some of the modern modes of communication.

Not only does it give you ample opportunity to express yourself, it gives your recipient something tangible to hold onto and revisit.

International Correspondence Writing Month (InCoWriMo), celebrated in February, is the perfect opportunity to hone your letter-writing skills. This month-long challenge invites you to hand-write and mail or deliver one letter, card, note or postcard every day of the month.

If it’s been some time since you last corresponded by snail mail, you may find your letter-writing skills to be a bit rusty. To help you be successful during InCoWriMo and beyond, the experts at Pilot Pen are offering some tips: 1. Make Lasting Connections. Writing and mailing letters daily may feel a bit intimidating, but why should it? Did you text

someone today? Did you send an email? If the answer is yes, you’re already halfway there. Put pen to paper instead and add a more personal, analog touch to your daily communication. Reconnect with long distance friends, send happy mail to your parents, or explore the opportunity to encourage a soldier overseas and make a new friend in the process. Whoever you choose to write to this process, it will help create a physical reminder of the connection between you and your recipient.

2. Pick Great Tools.

A trusty pen can get you through any deadline, todo list or thank you note.

Wielding this powerful tool will automatically help you feel capable of taking on new challenges. During the month of February, Pilot Pen suggests picking up a pen designed to help you author your best correspondence, as well as overachieve in every aspect of your life. With G2, America’s number one selling, longest-lasting gel ink pen, you’ll be able to glide through all 29 days of handwritten letters, and anything else that comes across your desk, for months to come.

3. Get Inspired. Not

sure where to start? Think of each recipient and what makes them special to you.

Share favorite memories or accomplishments that make you extra proud of them.

Then, share one anecdote or piece of news from your life. In our increasingly digital lives, your unique hand-written sentiments will likely bring a welcome bit of cheer into their day.

4. Get Personal. Remember: the written word is powerful, especially when it’s personal. Give each note a special touch by writing it on monogrammed stationery or a special postcard. You can take this personalization concept one step further by using different pens for each recipient.

With four pen point sizes ranging from ultra-fine to bold and more than 25 ink color options, including pastels, and metallics, there’s sure to be a G2 pen suited to your writing style and your recipient’s tastes.

For tools and inspiration, visit powertothepen. com and instagram.com/ pilotpenusa.

By rediscovering the art of handwritten correspondence this February, you’ll give yourself 29 meaningful chances to connect with pen pals all over the globe. 19

Harlem Community Newspapers | January 30. 2020

navigate through the Estate Probate or Administration process.

Write More Letters to Friends and Family

(Statepoint)

GAMES

HARLEM COMMUNITY NEWSPAPERS See answers on page 18

THEME: BE MY VALENTINE ACROSS 1. *Abelard to Heloise 6. C.E.O.'s degree 9. a.k.a Snowmobile 13. Make amends 14. Over, poetically 15. Garlic unit 16. ____ lazuli 17. New, prefix 18. Bumpkin 19. *St. Valentine's Day Massacre city 21. James Bond's drink of choice 23. Building annex 24. Galsworthy's "The Forsyte ____" 25. MD, familiarly 28. Land of Nod, in relation to Eden 30. Hire for work 35. Part of an eye 37. Feudal laborer 39. Request from Amazon 40. Waterproofed canvas

41. Bunch of bees 43. Black cat, e.g.

44. Apollo of "Rocky" 46. Roofed colonnade 47. X in a letter 48. Medicinal herb 50. Tangerine-grapefruit hybrid 52. Tennis barrier 53. Hold as a conviction 55. End of a fuse?

57. *____ Valentine, a.k.a. humorous Valentine 61. *One of star-crossed lovers 65. Beyond's occasional partner 66. E.T. transporter 68. Wombs 69. Hansen's disease patient 70. Young canine 71. *Flirt 72. *They used to be each other's Valentines 73. Attempt 74. Passover meal

DOWN 1. Barber's supply 2. Arizona's neighbor 3. Serengeti antelope 4. *Like a bottle of champagne 5. "Goodwill Industries" business 6. *Unfortunate consequence of kissing?

7. Busy as a what?

8. *Pleasant bouquet smell 9. Vegas bandit 10. Mischievous Norse deity 11. ____-tempered 12. Sub station 15. *Roxane's pen pal 20. "Heart of ____," Blondie's hit 22. Well-kept secret, for some 24. Strata, sing.

25. *Go ____, or split the cost of a date 26. Estrogen maker 27. The smallest dwarf planet

29. Uses a Singer 31. Get the picture 32. Short for administrator 33. Goslings, when they grow up 34. *German artist or Young's partner 36. "Singes" in "La Planete des Singes" 38. *Mr. Right, pre-kiss 42. Tiny European republic 45. Jackie Robinson, e.g.

49. Princess tester 51. "My two cents," pl.

54. Do like Vesuvius 56. *Heloise to Abelard 57. Wide river valley 58. Wild goat 59. Uh-uh 60. "The Three Faces of ____," pl.

61. Printer button 62. Old paint hazard 63. Gaelic tongue 64. *Wedding cake layer 67. "___ Elise"

Harlem Community Newspapers | January 30. 2020

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HARLEM COMMUNITY NEWSPAPERS

“By and By: Charles Albert Tindley, the Father of Gospel Music”

by Carole Boston Weatherford, illustrated by Bryan Collier REVIEW by Terri Schlichenmeyer, Harlem News Contributor

E

very Sunday morning, you get to do your favorite thing.

You get to sing.

You know the words to all the songs without even looking. Every tune is one you’ve sang before, one your Mama’s known since she was little, one your Grandma sang once upon a time. All you need is to hear the first few notes and your voice is lifted high, and as in the new book “By and By” by Carole Boston Weatherford, illustrated by Bryan Collier, your praise rises beyond the clouds.

Though you’ve always liked to sing, Charles Albert Tindley’s entire life was a song.

It started as a sad song, when he was born in Maryland nearly 170 years ago: his father was a slave and his mother was a free woman. The law said that Charles was free like his mother and so, when she died and because his father had no rights, the boy suddenly had no parents!

His aunt took him in, and sent him to work on nearby farms.

The work was hard, but singing gave Charles something to think about.

He first learned “chants in the field” and then he heard spirituals sung between the crops. This inspired him to want to learn and so, by the light of an oil lamp and fire in the

SUDOKU ANSWERS

hearth, he taught himself to read the newspaper and then, a Bible.

Young Charles was inspired! Soon, he started looking for a church to attend and when he found one, he went – and even though he had no shoes, the preacher there welcomed him and let him testify before the congregation. Charles promised himself that nothing would ever come between him and God, ever.

As he grew with God, Charles Albert Tindley became Reverend Tindley, who had a wife and a church and a congregation all his own. His church helped people during the Great Depression. They had an orchestra. And ev-

ery Sunday, the songs that Reverend Tindley wrote were lifted up to God – just as they are now, this week, perhaps, in your own church…

If your household is like most, music surrounds your child from a variety of sources: oldies, new artists, classics, and hymns. Some come from what may be a surprising source, and “By and By” tells the tale.

And yet, use caution when introducing this story to your kids: for the smallest reader, the story of “The Father of Gospel Music” might need a bit more explaining. Author Carole Boston Weatherford’s poem-biography tells a lot but perhaps not

Harlem Community Newspapers | January 30. 2020

enough so that preschoolers will easily understand, particularly in its significance. Parents and grandparents will find notes at the end of the book to be of further help – or, alternately, you can let the lush artwork from Bryan Collier teach your child everything he needs to know for now about this inspiring tale.

The 4-to-8-year-old child who loves to sing, who loves to dance, and who loves her church will want you to read this book.

“By and By” could become her favorite thing.

“By and By: Charles Albert Tindley, the Father of Gospel Music” by Carole Boston Weatherford, illustrated by Bryan Collier c.2020, Atheneum Books for Young Readers $17.99 / $23.99 Canada 48 pages 21

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