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THE WASHINGTON INFORMER

VOL. 51, NO. 53 • OCTOBER 13 - 19, 2016

OCTOBER IS BREAST CANCER AWARENESS MONTH

FINANCIAL LITE RACY SUPPLEMENT 2016

Financial Literacy Supplement Center Section PRESENTED BY

CONTRIBUTING PARTNERS

Breast Cancer Survivor Reaches Out to Others SE-based Foundation Teams Up with MedStar Health

By D. Kevin McNeir WI Editor Southeast resident Natalie Williams faced the frightening reality of being diagnosed with breast cancer almost five years ago.

Now cancer free, she continues to seek ways to assist other women in her community who face similar health challenges while honoring those who have succumbed to the disease.

And on Sunday, Sept 25, she held an annual event at St. Francis Hall in Northeast, sponsored by an organization that she founded and leads as CEO which brings supporters, survi-

vors and members of the medical community together for a day of education, celebration and remembrance.

“Many don’t realize it but Washington, D.C. is the leading city in the nation for those diagnosed with breast cancer,” said Williams, 45. “That’s why we must urge our District leaders to pay close attention to this problem and to require them to do a better job in providing treatment options.”

Williams, who came up with the concept for the non-profit Support Breast Care organization, has already scheduled

BREAST CANCER Page 18

5 Over 500 people stood in line at the National Museum of African American History and Culture on Monday, October

10, hoping to secure passes for same day entry. Unfortunately the museum only handed out 131 passes. Shamar Edwards, of the California Bay Area, pictured in the pink hat arrived at the museum at 5 a.m. and along with family members, received a few of the coveted passes. / Photo by Shevry Lassiter

Nation’s Students Help First Lady Pick Final Harvest

By Courtney Davis Howard University News Service

5 Celebrated actor Lamman Rucker, who served as the keynote speaker for an

annual brunch sponsored by Support Breast Cancer, gives a hug of encouragement to breast cancer survivor Catherine D. White on Sunday, Sept. 25 in Northeast. / Photo by Khalid Naji-Allah

Black Men Share Tales of Anger, Fear

Over 700 Address Problem of Police Stops, Shootings during Church Forum

By Hamil Harris WI Contributing Writer

First lady Michelle Obama, surrounded by 20 children from across the nation she had invited to help her with her final harvest, made one thing crystal clear – she wants the elaborate “Kitchen Garden” she established to promote better eating to remain long after she and President Barack Obama have left the White House.

To that end, Obama announced last week a $2.5 million donation by the Burpee Foundation to preserve and care for the garden for at least 17 more years.

The children dug and picked vegetables to

Silence fell over the packed gathering of African-American men at the ministry center of the First Baptist Church of Glenarden in Landover.

The Rev. John K. Jenkins shared a disturbing story about being stopped by a police officer at 7 a.m. one Sunday morning while heading to church.

“He came to the window of my car with his gun drawn,” Jenkins said. “I wanted to know what I had done that made him feel the need to approach my car with his gun out. After he checked me out he said that someone reported that a 7-11 had been robbed by two men driving a car that fit my car’s description.”

WHITE HOUSE Page 44

FORUM Page 11

Celebrating 51 Years of Service / Serving More Than 50,000 African American Readers Throughout The Metropolitan Area

The CoLumn

Is Everywhere!

By Dr. Charles Vincent & “Mickey” Thompson Vincent

A Wider Circle Presents The Community Ball A Wider Circle presents the Community Ball which celebrated 15 years of service. Mrs. Debbi Jarvis of Pepco (an Exelon Company) was awarded the Distinguished Corporate Service Award and The Honorable Paul Ryan and the Honorable James Clyburn were awarded the Commitment to Change Awards. Ms. Lisa Stransky Brown was the Master of Ceremonies. Mark Bergel, Ph.D. is the Founder and Executive Director. Music was provided by Infusion, Jenna Patchen Metzger was the event coordinator.

Ms. Jarvis receiving her award from Master of Ceremonies Ms. Lisa Stransky Brown and Founder Mark Bergel and Marty Durbin

Awardee Hon. James Clyburn with his brother John Clyburn

Commitment to Change Awardee Hon. James Clyburn, with the Distinguished Corp. Service Awardee Ms. Debbi Jarvis with Dr. Mark Bergel (Founder & Ex. Dir.)

Awardee winner Hon. James Clyburn with Founder Mark Bergal and Marty Durbin

Montgomery County Executive Isiah Leggett and his wife Catherine

Debbi Jarvis with some of her many friends.

Distinguished Corp. Serv. Award winner Debbi Jarvis husband Ernie and their two sons

Awardee winner Debbi Jarvis with her Mother-in-law Hon. Charlene Drew Jarvis

Donald Brown, Ann Brown, MiMi Bergel and Richard Bergel

To Publish your event on the Social Sightings-the CoLumn Page and/or in the MagaZine

Contact us at socialsightings@aol.com

Theodore Rice, Photographer * Photo Enhancer * Graphic Designer Social Sightings-The CoLumn is published in The Washington Informer Newspaper the Hill Rag, DC Mid-City, & East of the River Journals, 2003 © SOCIAL SIGHTINGS ALL RIGHTS RESERVED — DUPLICATION IN ANY FORM REQUIRES WRITTEN PERMISSION | E-mail SocialSightings@aol.com

2 OCTOBER 13 - 19, 2016

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OCT. 13 - 19, 2016

Around the Region...................5-11 PG County................................12-13 Business.................................... 14-15 National...........................................16 International..................................17 Health ......................................18-20 Education................................22-23 Financial Supplement..CENTER OpEd........................................25-27 Lifestyle.................................. 28-34 Sports...................................... 36-37 Religion................................... 38-39

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W I HBreak O T the T OCycle P I C of S Women Domestic Violence Howard Black Male Summit Targets 1,000 Youth COMPILED BY D. KEVIN MCNEIR / WI EDITOR

By Tia Carol Jones

law enforcement. She said they threat,” she said. annual “Rise to Greatness” Black Male Summit had come together to bringhasa been Among the programs Marlow rescheduled for Monday, Nov. 21sense at Howard University of uniformity in in theNorthwest. way wants to see implemented are About 1,000 high school and college students throughout the When L.Y. Marlow's 23-year- domestic violence victims D.C. and area stricter restraining order policies, aredaughter expectedtold to attend thefather free session from 10 a.m. to 3 p.m. at the uniold her the survivors are treated. more rights for victim's families Cramton Auditorium. by the Horace G. ofversity’s her daughter threatened her The event, “She's sponsored using her own personal to intervene on behalf of a viclife, and the life of was theirestablished child, story, Dawson Scholars, in 2013 afterpain the to former herand ownnamed personal tim, a domestic violence assessshe knew something had to pushofforward,” ambassador to Botswana andbefounder Howard’s Davis-Nickens international affairs ment unit coupled with further done.

Outthat of Dawson her frustration said about Marlow. scholars program training for law enforcement program led for 20 years.

The nonprofit with law handling Davis-Nickens said various anyoneworkagencies, a Child's Life Protecseeks toenforcement's encourage Black men to become leaders through ofshops, the situation, she decided to who reads Marlow's book will tion Act and mandatory counseltutoring and mentorship. startFor themore Saving Promise cam“get it.” She said she “puts the ing for batterers. information, go to http://www.hgdscholars.com, or email paign. case in such a way, the average “If we are ever going to eradiinfo@hgdscholars.com.

“It seems to be a vicious cycle person can get it.” She said at the cate domestic violence, we must that won't turn my family end of the day, the book will look at both sides of the coin. loose,” Marlow said. Marlow help people begin to have a dia- We need to address both the vicshared her story with the audi- logue about domestic violence. tim and the batterer,” Marlow ence at the District Heights Also present at the was said.

The Energy Barevent Association recently announced that Sandra MatDomestic Violence Symposium Mildred Muhammad, ex- for theMarlow also like see chotavous-Frye, the People's the Counsel Districtwould of Columbia, hastobeen on May 7 at the District Heights wife Muhammad, programs designed to raise senof to John receiveAllen its 2016 State Regulatory Practitioner Award. Mattavous-Frye Municipal Center. The sympo- who was sentenced sixweek consecamong accepted the awardtolast during awareness the association’s 2016children Mid-Year in Energy sium was sponsored by the utive life terms without parole public and private schools. She Forum.

Family and Youth Services by a Maryland jury for his role in feels children need to be educatEmma Hand, EBA Board of Directors president, praised Mattavous-Frye Center of the city of District the Beltway Sniper attacks in ed about domestic violence. for OPC's work to protect District utility ratepayers in cases such Heights and the National Hook- 2002.“leading Mildred Muhammad is “We have to stop being pasas the PHI/Exelon the city'ssive-aggressive powerline undergrounding initiative to Up of Black Women. the founder of After merger, the Trauma, with poor chilreduce storm-related outages, and investigations into Verizon's delivery Marlow has written a book, an organization that helps the dren about domestic violence,”of services.” The recognizes innovation and superior “Color Me Butterfly,” which is a survivors ofaward domestic violence Marlow said. advocacy by a member andtheir requires nominees to have practicedMarlow and participated in the energy story about four generations of and children. has worked to state break regulatory evidence or recognition. domestic violence. The book is “I lived inprocess fear forwith six years.

Sixof significant the cycleresults of abuse in her family, inspired by her own experiences, years“Much sinceItI isbeganand myiscareer journey 30 years in fearhas is achanged long time. confident theover policies she ago. and those of her grandmother, not an easymything to principle come outthat consumers is pushingmust forhave willa place startatthat However, guiding the table her mother and her daughter. of,” process. in she the said. regulatory process has not changed nor my belief that ratepayers are She said every time she reads Mildred Muhammad plan to take these policies to entitled to just and reasonablesaid rates and“Ireliable service,” said Mattavous-Frye excerpts from her book, she still people who want to help a Congress and implore them to during her acceptance speech. can not believe the words came domestic violence victim must change our laws,” Marlow said. from her. “Color Me Butterfly” be careful of how they go into “I will not stop until these poliwon the 2007 National “Best the victim's life, and understand cies are passed.”

Books” Award. that she may be in “survival Tia Carol Jones can be reached members when continuemode”. to mourn several unresolved shoot-at tiacaroljones@sbcglobal.net “ICommunity was just 16-years-old ings lastand month in the Farm neighmy eyethat firstoccurred blackened my in Southeast “Before you getBarry to 'I'm going borhood including Zoruan Otto Harris, a spring graduate National WI lips bled,” Marlow said. to kill you,' it started as aofverbal Collegiate Preparatory Public Elaine Davis-Nickens, presi-Charter High. School students and addent of the National ministration held an Hook-Up evening vigil on October 6 for Zoruan, who had ofrecently Black Women, said there is no matriculated at the University of the District of Columbia on consistency in the way domestic a full scholarship. violence issues with by who lost their lives in a shooting on He was oneare of dealt two individuals Sept. 17. To commemorate the former charter school football captain and quarterback, teachers, students along with family members and friends released 300 blue and yellow balloons during the vigil in Southeast.

Last June, Zoruan described as a “positive role model” and a participant in the Steve Harvey Foundation, was chosen to present the commencement speaker, David Johns, executive director of the White House Initiative on Educational Excellence for African Americans, with the class gift.

Students at National Prep have established a GoFundMe.com/Zoruan page that has so far raised $7,000 to be held in trust for their classmate’s infant son, Zoruan Otto Harris, Jr.

The Writer second WI Staff

Energy Bar Recognizes DC People’s Counsel’s Sandra Mattavous-Frye

Wilhelmina J. Rolark In Memoriam Dr. Calvin W. Rolark, Sr. Wilhelmina J. Rolark THE WASHINGTON INFORMER PUBLISHER NEWSPAPER (ISSN#0741-9414) is NEWSPAPER (ISSN#0741-9414) is published THE WASHINGTON INFORMER Denise Rolark Barnes published on each Thursday.postage weeklyweekly on Thursday.

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Nat’l Prep Leads Vigil for Slain Classmate Zoruan Otto Harris

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4 / May 15 - 21, 2008 The Washington Informer / www.washingtoninformer.com

4 OCTOBER 13 - 19, 2016

“

We have to stop being passive-aggressive with poor children about domestic violence. I plan to take these policies to Congress and Love Beyond Walls Leaderimplore Walks to Raise Awareness on Poverty them to change our Terence Lester, co-founder of the non-profit national organization Love Belaws. until yond Walls, has embarked I on awill 648-milenot march tostop Washington, D.C. to raise awareness for Americans living in poverty. Lester started the march on Aug. policies areLuther passed.

20 in Atlanta atthese the same starting point as Dr. Martin King, Jr.’s historic

THE WASHINGTON INFORMER

“

In Memoriam The Washington Informer Dr. CalvinNewspaper W. Rolark, Sr.

March On Washington. On Oct. 14, Lester plans to march into the District L.Y. Marlow fulfilling his mission. Throughout his journey, he has continued to document the stories of individuals facing challenges associated with poverty. The pastor at several Atlanta-area churches and the 2016 recipient of the Southern Christian Leader Conference’s Social Activist Award, he is sharing his journey on Facebook and Instagram.

Love Beyond Walls serves close to 500 people each month through various missions (laundry room, mobile makeovers, food pantry) in the Greater Atlanta Area.

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AROUND THE REGION

D.C. Lawmaker Pushes to End Tax on Diapers, Feminine Products

Councilwoman, Advocates Have Their Say

By Stacy M. Brown WI Senior Writer D.C. Councilwoman Anita Bonds this week joined advocates for women to urge the rest of the city's lawmakers to eliminate sales taxes on diapers, tampons and other feminine hygiene products during a public hearing that echoed many others held across the country.

"Women and men with health needs should not be taxed because of their disability or gender, nor should babies be taxed for being babies," Bonds said as she proposed the Feminine Hygiene and Diapers Sales Tax Exemption Amendment Act of 2016, which would prohibit sales tax on those items.

Currently, there is a global movement to end the so-called "tampon tax," Bonds said.

"This legislation will especially help low to moderate income households manage these costly expenses," she said.

Corrinne Cannon of the D.C. Diaper Bank told council members that the savings realized from sales tax

could allow families to buy an additional 12 diapers each month. "What, how and who we tax speaks volumes about what we value as a community and a city," Cannon said.

Eve Zhurbinskiy planned to testify on behalf of students in support of the bill but was unable to attend the hearing, reported the GW Hatchet, George Washington University's student newspaper.

Zhurbinskiy, who is also a commissioner for the Foggy Bottom and West End Advisory Neighborhood Commission, said she plans to submit a written testimony, in which she calls the current taxes on feminine hygiene products discriminatory against women.

"In a city that values human rights, no one should be taxed for who they are," she wrote in the testimony. "And for adults who struggle with incontinence, this tax acts as an unnecessary barrier to fulfilling basic healthcare needs."

Zhurbinskiy also suggested in her testimony that the bill include "period underwear" under the list of products that are tax-exempt.

Other D.C. residents who testified in favor of the bill said such taxes place an unfair burden on women.

Law students from the University of the District of Columbia also testified, saying that otherwise affordable products become expensive with the taxes.

"These products come at a considerable price, which is exacerbated by the additional tax," said Aysha Iqbal, one of the law students.

Maryland state Delegate Aisha N. Braveboy, a manager at the Children's National Health System, said the bill "promotes parity" for women's and children's health and would especially benefit both young and single mothers.

"These products are essential to basic survival, and it's really difficult for a lot of families to afford the cost of these items," Braveboy said.

Currently, District residents don't pay sales taxes on medically needed prescriptions, including Viagra.

A similar bill in Virginia failed to pass earlier this year. Maryland, on the hand, does not tax tampons and

DIAPERS Page 44

5D.C. legislators are mulling the lift of sales taxes on feminine hygiene products and baby diapers. / Courtesy photo

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OCTOBER 13 - 19, 2016 5

AROUND THE REGION

WEEK OF OCT. 13 - 19, 2016 OCT. 13

1898 – Lawyer and judge Edith S. Sampson, the first black U.S. delegate appointed to the United Nations, is born in Pittsburgh.

1902 – Harlem Renaissance-era writer and librarian Arna Bontemps is born in Alexandria, Louisiana.

1914 – Inventor Garrett A. Morgan receives patent for the gas mask.

1926 – Jesse L. Brown, the first African-American aviator in the U.S. Navy, is born in Hattiesburg, Mississippi.

1970 – Famed political activist Angela Davis is arrested in New York City and charged with unlawful flight to avoid persecution for her alleged role in a California courthouse shootout.

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BUYING RECORDS

1834 – Maryland-born Henry Blair patents the corn planter, becoming the second-ever African-American inventor to receive a patent.

1919 – Famed black activist Marcus Garvey is shot inside his Harlem office, wounded in his leg and scalp. He recovers, but his assailant, who claimed he was sent to shoot Garvey by the district attorney, died a day later after jumping 30 feet from a jailhouse window.

1964 – Martin Luther King Jr. is awarded the Nobel Peace Prize for his nonviolent resistance to racial inequality in America.

OCT. 15

1883 – The Civil Rights Act of 1875 — which guaranteed African-Americans equal treatment in public accommodations, public transportation and jury service — is ruled unconstitutional by the Supreme Court.

1968 – Track star Wyomia Tyus becomes the first person to win a gold medal in the 100-meter race in consecutive Olympic Games.

OCT. 16

Buying Vinyl Records from 1950 to 1986, Jazz, Rock-n-Roll, R&B, Disco, Soul, Reggae, Blues, Gospel, and record format 33 1/3, 45s, and some of the older 78s.

Prefer larger collections of at least 100.

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1859 – White abolitionist John Brown leads a raid on a federal armory in Harpers Ferry, Virginia, in an attempt to start an armed slave revolt. He is later tried, convicted and executed by hanging for his role.

1968 – African-American athletes Tommie Smith and John Carlos raise black-gloved fists during their medal ceremony at the 1968 Summer Olympics in Mexico City.

1984 – Desmond Tutu is awarded the Nobel Peace Prize for his ant-apartheid work in South Africa.

1995 – The Million Man March, called by Nation of Islam leader Louis Farrakhan, is held on the National Mall in Washington, D.C.

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OCT. 17

1711 – Poet Jupiter Hammon, the first African-American writer to be published in the present-day United States, is born in Long Island, New York.

1888 – Capital Savings Bank of Washington D.C. — one of the nation's first black-owned banks — is opened.

1956 – Physician and astronaut Mae Jamison, the first African-American woman to travel in space, is born in Decatur, Alabama.

1969 – Clifton R. Wharton is elected president of Michigan State University, becoming the first African-American president of a major U.S. university.

OCT. 18

1926 – Pioneering guitarist and rock and roll icon Chuck Berry is born in St. Louis.

1948 – Poet and playwright Ntozake Shange, author of "For Colored Girls…," is born in Trenton, New Jersey.

1951 – "Waiting to Exhale" author Terry McMillan is born in Port Huron, Michigan.

1968 – Athlete Bob Beamon sets the world record for the long jump — 29'2½" — a mark that would stand for decades.

OCT. 19

1936 – Johnnetta B. Cole, director of the Smithsonian National Museum of African Art and the first African-American female president of Spelman College, is born in Jacksonville, Florida.

1944 – The U.S. Navy begins accepting black women for military service.

1944 – Reggae music legend Peter Tosh is born in Grange Hill, Jamaica.

WI

TERRY McMILLAN

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AROUND THE REGION

By Sarafina Wright

Some argue President Obama hasn't done anything for the Black community during his presidency. Do you agree? If so, what should he have done?

CHARISSE DENT / WASHINGTON, D.C.

In my opinion, President Obama did all that he could have done. Our black people have to remember the odds and the walls Obama was up against as the head of state. He was an awesome president that did his best. Our own people are the ones that needs to step up in the communities that we live in.

LAQUANTRA MOFFAT / DES MOINES, IOWA.

as key appointments.

I think President Obama has done a lot for the black community, but like anything, there is more that could've been done as well. But I guess I am not sure what exactly that could be.

In the end we as a community will not really know his impact until he is out of office. I'm appreciative that he was able to make such a great impact in the federal government as far

SHELTON FOSTER / WASHINGTON, D.C.

I agree and disagree. I agree that he has done things for the fight towards education, minorities and government assistance. I wish he had fought more on taxes and regulations on the state level.

No matter what, I think though he has an impact on the world forever, and he will be remembered for his efforts.

MALCOLM SMITH / WASHINGTON, D.C.

I won't say the president hasn't done anything at all for black people, because I know he has, but he hasn't met a lot of their expectations, the way I see it. I'm not sure what he was supposed to do, but black people did at least expect change, like he promised. On the other hand, nobody has any specific changes they wanted until later in his presidency, like police brutality. We all want a better life, but some of us don't know how to ask for it.

CHARLENE GATHERS /

HYATTSVILLE, MARYLAND

The president has done what is best for the country — sometimes the majority of black folks fall under that, sometimes they don't.

That's the way it is. There is no one-size-fits-all solution for every single black person in the United States. It really is a baseless question when you think about it, because what helps you doesn't necessarily help me, no matter what race you are. He did the best he could and I have Obamacare, so I have benefited from his work.

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If Your Ad Were Here Someone Would Be Reading It! Contact me, Ron Burke, at 202-561-4100 or rburke@washingtoninformer.com THE WASHINGTON INFORMER

OCTOBER 13 - 19, 2016 7

AROUND THE REGION

Historic Rental Legislation Passed in D.C.

Late Fees for Renters Capped at Five Percent

5Anita Bonds / WIFile Photo by Patricia Little

By Sarafina Wright WI Staff Writer For the first time ever, D.C. residents will have their rental late-fees regulated.

On Tuesday, Sept. 20, the city council gave final approval to atlarge Council member Anita Bonds' legislation that limits rental late fee charges to no more than five percent of a tenant's monthly rent.

"The Rental Housing Late Fee Fairness Amendment Act of 2016 regulates how housing providers may impose late fees upon tenants for the late payment of rent by establishing fair and uniform standards," Bonds said. "The bill defines late payment as any amount of rent that is not paid within five calendar days from the time a rent payment is due."

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In a historic act of regulation for the city, this will be the first time that the District has regulated rental late fees and the first time that late fees will be capped at five percent.

"The bill also prohibits a housing provider from charging a tenant a late fee of more than five percent of the tenant's monthly rent owed, which can amount to an extraordinary burden for many low-income tenants," Bonds said.

Additionally a housing provider will be prohibited from deducting a late fee from future rent payments, which would cause timely rental payments to be late if the tenant has not yet paid an existing late fee.

The bill will also require housing providers to provide a tenant with written notice that a fee of up to five percent may be charged for the late

payment of rent.

"Currently, D.C. law is silent on how large a late fee housing providers may charge a tenant, resulting in late fee practices that vary widely among District housing providers," Bonds said.

Passage of this bill would put the District in line with states such as Maryland, Maine and North Carolina, which have laws restricting fees to five percent or less and prohibiting housing providers from subtracting late fees from future rent payments.

"This bill will provide over 156,217 rental units with new protections against unscrupulous landlords and outrageous late fees when they fall behind on their monthly rental payments," she said.

WI

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D.C. Council Advances Euthanasia Legislation

AROUND THE REGION DISTRICT OF COLUMBIA BOARD OF ELECTIONS PUBLIC NOTICE The Board of Elections at a Special Board Meeting on Wednesday, September 14, 2016, certified the short title and summary statement of the proposed Advisory Referendum entitled “Advisory Referendum on the State of New Columbia Admission Act Resolution of 2016.”

Pursuant to 3 DCMR §1906.3, the Board hereby publishes the short title and summary statement, as proposed by the D.C. Council in Council Resolution 21-570 and as certified by the Board of Elections. The proposed Advisory Referendum will be presented to the voters at the General Election to be conducted on Tuesday, November 8, 2016.

ADVISORY REFERENDUM B SHORT TITLE “Advisory Referendum on the State of New Columbia Admission Act Resolution of 2016” SUMMARY STATEMENT To ask the voters on November 8, 2016, through an advisory referendum, whether the Council should petition Congress to enact a statehood admission act to admit the State of New Columbia to the Union. Advising the Council to approve this proposal would establish that the citizens of the District of Columbia (“District”):

5D.C. Council committee heard testimony on the "Death of Dignity Act" at hearing at the Wilson Building in Northwest on July 10, 2015. The Council Members will act on the bill on October 18. / Photo Courtesy of the Catholic Standard

By Lauren Poteat WI Contributing Writer Tensions rose high last week during a D.C. Health and Human Services meeting headed by city council member Mary Cheh (D-Ward 3) after a 3-2 vote approved an euthanasia-related bill set to go before the full council for consideration this month.

The Death with Dignity Act, if fully passed, will give terminally ill patients at least 18 years old and expected to die within six months the right to obtain a death-inducing drug prescription from a city physician.

The legislation was introduced in 2015 by Cheh, who chairs the Health and Human Service committee and heavily advocates for the measure.

"If a dying person wishes to peacefully end his or her life rather than endure prolonged pain and suffering, we should not stand in their way," she said. "In the face of imminent death, meeting a patient's individual needs and wishes compassionately should be our top priority."

Fellow council members Brianne K. Nadeau (D-Ward 1) and Yvette M. Alexander (D-Ward 7) were among those who opposed the legislation, with Nadeau fearing that low-income people with less access to health care might be driv-

en to end their lives prematurely.

Alexander also expressed concern.

"Given the nature of this bill being a life-or-death issue, I believe this matter is best left to the decision of the residents," Alexander said.

Though no public testimony was heard during the packed Oct. 5 meeting at city hall, opponents of the bill were seen wearing red "No D.C. Suicide" shirts, while supporters of the bill, including the National Compassion and Choices group, were seen wearing yellow.

As both sides gave statements, No DC Suicide, a major pro-life organization largely consisting of disability advocates, doctors, nurses, patient advocates and religious groups, went a step further with protest against what they called a "seriously flawed," unnecessary and potentially harmful bill.

The organization detailed its concerns with the legislation on its website, arguing that, if passed, the bill will allow residents the ability to obtain the death-inducing drugs at local pharmacies, without the need of doctors or nurses to be present for administration. The group also posted a prewritten email option on the website to petition for the abortion of the bill.

Mayor Muriel E. Bowser has not yet taken a position on the bill, though her appointed health director has testified against it. WI

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(1) agree that the District should be admitted to the Union as the State of New Columbia; (2) approve of a Constitution of the State of New Columbia to be adopted by the Council; (3) approve the State of New Columbia’s boundaries, as adopted by the New Columbia Statehood Commission on June 28m 2016; and (4) agree that the State of New Columbia shall guarantee an elected representative form of government.

Shall the voters of the District of Columbia advise the Council to approve or reject this proposal?

YES, to approve ____ NO, to reject ____

Environmental Impact Statement Public Meeting The Federal Railroad Administration (FRA) invites you to review the Washington Union Station Expansion Project and provide feedback on the concepts.

The proposed concepts illustrate potential Project elements, including: • Realigned and improved platforms and tracks • Additional public concourses • New train hall • Parking, bus, taxi, bicycle and pedestrian facilities You will also have the opportunity to review and comment on screening criteria that will help FRA determine which project concepts will be evaluated in an Environmental Impact Statement (EIS). FRA is preparing the EIS to analyze the proposed project’s potential impacts to the environment. This meeting is also part of concurrent National Historic Preservation Act Section 106 consultation.

INFORMATIONAL OPEN HOUSE Wednesday, October 19, 2016 4:00 p.m. to 8:00 p.m.

Formal presentations: 4:30 p.m. and 6:30 p.m.

Washington Union Station’s Presidential Room (Located in the East Hall) 50 Massachusetts Avenue, NE Washington, DC 20002

Visit www.WUSstationexpansion.com for more project information.

Public participation is solicited without regard to race, color, national origin, age, sex, religion, disability or family status. Persons who require special accommodations under the Americans with Disabilities Act or persons who require translation services (free of charge) should contact the project team at info@WUSstationexpansion.com at least seven days prior to the meeting.

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OCTOBER 13 - 19, 2016 9

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BUSBOYS AND POETS WILL COME TO WARD 8

Andy Shallal, restaurateur, speaks on Thurs., October 6 during the Far Southeast Family Strengthening Collaborative ground breaking where he will bring a Busboys and Poets to Ward 8. / Photo by Roy Lewis

Who’s Reading the Informer?

Dest'n Clarke, 9, of Aristocrat Films, reads the Washington Informer after filming coverage of the CBCF 2016 Phoenix Awards at the Walter E. Washington Convention Center. / Photo by Roy Lewis

WORDS TO LIVE BY Barbara Jordan

“Many seek only to satisfy their private work wants. To satisfy their private interests. But this is the great danger America faces. That we will cease to be one nation and become instead a collection of interest groups: city against suburb, region against region, individual against individual. Each seeking to satisfy private wants. If that happens, who then will speak for America? Who then will speak for the common good?”

Democratic National Convention keynote address [July 12, 1976]

10 OCTOBER 13 - 19, 2016

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AROUND THE REGION

5 Johnathan Kirby, 55, Calvin Sutton, 18 and Samuel A. Johnson 13 joined in

a men’s forum at First Baptist Church of Glenarden in Landover on Saturday, Oct. 8 that addressed police-involved shootings and harassment of Black men. / Photo by Hamil Harris

FORUM from Page 1 Jenkins’s comments came during a town hall meeting that brought more than 700 men to the church at a time when organizations from the Congressional Black Caucus to the National Newspaper Publishers Association have issued public statements, calling for federal officials to stem the tide of fatal police-involved shootings of Blacks that continue to escalate nationwide.

The men who attended the town hall represented all walks of life: Jenkins, the pastor of the popular Maryland church; former NBA star Etan Thomas; federal law enforcement agents; and a commander of the Prince George's County Police Department. Black men with and without badges exchanged their reflections and ideas on Saturday, Oct. 8 during the forum.

The morning’s discussion did not result in any significant conclusions but it did provide an opportunity for dozens of young adults to listen, learn and even share their own experiences.

One high school senior at Bishop McNamara High said more improved communication between law enforcement officials and the people they serve needs to be a top priority.

“We need to be more cooperative as a community,” Jordan Holder said after the forum. “The Black community and the police have to come together to make sure that we are on the same page. It is essential if we are going to get where we need to be as a country.”

Meanwhile, another young man expressed his fears after being stopped several times for what he describes as “unjust cause.”

“He [the policeman] asked me why was I so nervous,” said Rashawn Jordan, 21. “I felt like that was a redundant question based on what I see going on – why wouldn’t I be nervous,” he said, adding that since he began driving a year and a half ago, he’s frequently been stopped and questioned.

One of the ministers on staff at First Baptist, the Rev. Johnny Parker, helped develop the concept and outline for the forum.

“For me it’s very personal,” Parker said. “I have three sons, 24, 20 and 17, and I am an African-American man. Ten years ago my cousin, Sean Bell, was killed by officers working for the NYPD.” “I wanted to give brothers a chance to talk it out so they won’t act out. As men of faith we must teach others how to honor themselves and to honor law enforcement officials.”

The minister’s youngest son, John [Parker], 17, who accompanied his father last Saturday morning, said prejudice has a lot to do with the inequalities still faced by Blacks.

“We should all have the same rights but when you’re my color, you’re treated differently,” John said.

“It’s horrible but being here today helps. It’s certainly better than being laid out in a suit in a coffin in this same church while your family deals with their grief.”

One panelist said senseless violence must be confronted not only by the hands of the police but when the perpetrators are members of the Black community.

Black-on-Black violence doesn’t make it okay for Blacks to be shot by the police. I am talking about Blackon-Black crime,” said William Tipper Thomas, 29 – shot by another Black man in Baltimore resulting in his paralysis.

As for Johnathan Kirby, 55, who trains law enforcement and special police officers, he asserts that one of the problems remains because some people “in hate groups have found a way to get into the system because they have a clean criminal record.”

But one youth who came to the forum with Kirby said there’s something wrong with that picture.

“They say they are afraid of us but they’re also the ones with the guns,” said Samuel A. Johnson, 13. WI

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PRINCE GEORGE'S COUNTY Protesters Rail Against Prince George's High Foreclosure Rate

By William J. Ford WI Staff Writer @jabariwill Angel Reid has fought to keep her Oxon Hill, Maryland, house from being foreclosed for the past 10 years — a nightmare that will likely only worsen now that her home has been placed on the auction block.

Reid and several others rallied Wednesday across the street from the Prince George's County Courthouse in Upper Marlboro to protest foreclosures in the jurisdiction, which has one of the state's top five highest foreclosure rates.

According to www.realtytrac.

com, the foreclosure rate for Prince George's in August ranked number one in the state at one in every 335 units. Up to the second quarter of this year, the state Department of Housing said the county had nearly 2,200 foreclosure events that included auctions, notices of default and real estate owned (REO).

Reid said the home she purchased in 2002 was put up for auction Wednesday by Ocwen Financial Corp. of West Palm Beach, Florida.

The original owner, New Century Mortgage Co. of Irvine, California, sold the home in 2006 to Ocwen and that's when she said she noticed her financial documents had been forged.

5Housing advocate Paul Randall chats with homeowner Angel Reid during an Oct. 5 rally outside the Prince George's County Courthouse in Upper Marlboro to protest foreclosures in the county. / Photo by William J. Ford

Despite the fraud claim, however, Reid said she hasn't gotten to present her case in county court.

"Every time I file my papers in court, I get dismissed out of it," she said Wednesday outside the courthouse. "I'm one of the fortunate ones still in my home, but I'm still fighting and won't stop."

Paul Randall, a housing advocate with an office in northwest D.C. and clients nationwide, said his research estimates the county averages 600 foreclosure cases a month.

One of the problems stem from some attorneys not understanding the foreclosure process that include mediation and court hearings, he said.

"There needs to be a moratorium on foreclosures," said Randall, CEO and founder of Foreclosure Survival Today who has worked in the mortgage and financial industries. "We call [foreclosures] the silent killer because people get stressed. One of my clients had a heart attack. This atrocity has to stop."

Some of the protesters called out Associate Circuit Judge Toni E. Clarke, whom they claim dismissed several foreclosure cases.

According to www.therobingroom.com, a company founded by attorneys with North Law Publishers Inc. of New York, allows lawyers to post comments and rank judges from

each state and the District. The majority of the comments about Clarke were unfavorable, including one posted Aug. 1: “This judge is terrible…

Only favor big banks."

Kevin Kane, spokesman for the Administrative Office of the Courts in Annapolis, said in an email Friday the judiciary doesn't comment on specific cases. He said those going through the foreclosure process or in need of legal assistance can call 410-260-1392, or use these online resources: • http://mdcourts.gov/selfhelp/index.html;

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Prince George's Requests Millions for Revamping of Libraries

5Many county libraries need renovations. / Photo by William J. Ford

By William J. Ford WI Staff Writer @jabariwill Sheila McQueen frequently visits the Hyattsville Public Library to rent and purchase books and CDs, and even chat with the staff.

Although McQueen supports

12 OCTOBER 13 - 19, 2016

the library about 15 minutes from her home in Bowie, she plans to vote against a proposal for Prince George's County officials to borrow $60.7 million to build and renovate several libraries.

"Why not do funding drives to raise money instead of asking for bonds?" McQueen said Friday, Oct.

7 outside the library. "I travel and will visit libraries during my time at other places. I support libraries, but to ask for millions of dollars is a bit much."

The Hyattsville branch — the oldest in the county's Memorial Library System, built in 1964 for $1 million — was designated as one of several projects listed in the proposed fiscal 2017-22 capital improvement program.

A brief description of the Hyattsville branch shows the current library would be torn down and replaced with a new one-story structure of at least 35,000 square feet. A portion of the building would have emergency power to serve as a shelter during inclement weather.

Taxpayers would be asked to replace and rebuild three new libraries in Bladensburg, Brandywine and Laurel.

A new 35,000-square-foot building would house a library and Boys & Girls Club in Langley Park. Only a portion would go toward the project.

Libraries that would receive ren-

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ovations include those in Clinton, New Carrollton and Upper Marlboro.

"The majority of our libraries were built in the '60s and '70s," said Michael Gannon, chief operating officer for the county library system. "They've really reached their life expectancy. They are not set up for what our customers need today."

For example, the $16 million South Bowie library that opened in 2012 has a computer area in middle of the library, a children's area, several meeting rooms and a study area near the front door. The building also has plenty of electrical outlets for laptops and windows for sunlight to save money on electricity. By comparison, the Hyattsville branch has far fewer windows for natural light, notably in a downstairs room with a computer station and study areas.

Gannon said community organizations rent meeting rooms starting at $35 for two hours. He said the system has more than 600,000 people registered with library cards, a figure including all 130,000 public

school students who can check out books and use online resources to all 19 of the county's libraries.

The county became the first in the state this year to incorporate a program called LINK, in which children and teenagers can use their student identification number to check out books.

"We are the ones that are there to close the digital divide," Gannon said. "Some people can't afford broadband, high-speed internet access. You have people who come to library to apply for health insurance. You have people who come to the library who apply for jobs. It's still a place where the community comes for all sorts of services."

The bond issue will receive support on the general election ballot from some, however, including Berihun Gebreyohanse of Hyattsville.

"I support the government plan," said Gebreyohanse, who visits the Hyattsville branch to look up jobs.

"People should use the library more.

It is a good place to be."

WI

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PRINCE GEORGE'S COUNTY Forum Focuses on Possible Expansion of County Council

By William J. Ford WI Staff Writer @jabariwill

Opponents on expanding Prince George’s County Council say it’s a waste of time and money further adding that most residents don’t favor the change.

But proponents say adding two new members to represent the entire county will improve business relationships in the region, make the county more competitive and help fund countywide projects quicker.

These differing opinions dominated the discussion on Saturday, Oct. 8 at Bowie City Hall during a forum hosted by the county’s League of Women Voters. Residents weighed-in on whether voters in the general election will want to add two at-large seats to the current nine-member County Council structured by districts.

“We are no longer a place of local business. We are a regional place,” said David Harrington, the county’s Chamber of Commerce president who’s in favor of adding two at-large seats to council. “It allows us to have experienced players in the game to make relationships.”

Harrington showcased his atlarge support with M. H. Jim Estepp, president and CEO of the Greater Prince George’s Business Roundtable, and Douglas E. Edwards, president of Recharge AtLarge.

On the left side of the room sat their dissenters: former County Councilman Tom Dernoga; Theresa Dudley, president of the Prince George’s Educators Association; and Brandon Cooper, executive vice chairman of the county’s Republican party.

When voters go to the ballot box for early voting Oct. 27 through Nov. 3, or on Election Day Nov. 8, the measure will appear as ‘Question D” to amend the county charter to expand council from nine to 11 members.

A person voted for an at-large seat could serve for two consecutive four-year terms. However, the legislation would allow current council members whose terms expires to run for the positions in 2018.

Expenses to fund the positions and their staff would be nearly $1 million in taxpayer money – an amount that could be extended in another four years.

Those against the charter amendment say it’s just another way to extend or end term limits, which voters have denied three times since 1992.

Estepp, a former county councilman, said the county had an 11-member board structure 40 years ago of at-large and district representatives which would now be in

line with neighboring jurisdictions.

“Question D is a partnership to expand their high-paying job,” Dernoga said in regards to a council member’s annual salary that exceeds

$100,000 salary.

After the panelists spoke and responded to written questions from the audience, community leaders such as Tammy Jones of Camp

Springs said when the council plan got discussed several months ago at a civic association meeting, it lacked information, transparency and af-

COUNCIL Page 38

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OCTOBER 13 - 19, 2016 13

BUSINESS African-American Buying Power Tops $1 Trillion

By Stacy M. Brown WI Senior Writer In a new report, a leading market research firm has found that between 2010 and 2015, the African-American buying power grew from $995 billion to $1.3 trillion.

The spending represents a cumulative 27 percent growth.

Packaged Facts, the Rockville, Maryland-based publisher of market research in the food, beverage, consumer packaged goods, and demographic sectors, noted that the rise of affluent households has helped bolster the African-American buying power.

Looking ahead, the company forecasts cumulative growth of 16 percent between 2015 to 2020.

Between 2005 and 2014, the number of African-American households with an income of

$100,000 or more jumped 83 percent, from 1.1 million to about 2 million.

Comparatively, the total number of American households in the $100,000-plus income bracket grew only 53 percent, the research revealed.

Likewise, the number of black households with incomes ranging between $75,000 and $100,000 increased by 25 percent.

As the two-tier economy continues to reach into all demographic segments, it is likely that the buying power of affluent black households will continue to grow at a relatively rapid pace, Packaged Facts officials said.

For the U.S. economy overall, the trickle-down effect of this swelling prosperity has seen consumer expenditures by the average African-American household grow faster than consumer spending by other households, 26 percent to 23 percent.

"Over the past decade, millions more African-Americans earned a college degree, entered relatively high-paying jobs, formed higher-income households and became financially successful consumers," Robert Brown, the report's co-author with Ruth Washton and an analyst at Packaged Facts, told Marketing Daily.

"These fundamentals will continue to create growth opportunities in the African-American market," Brown said.

Dining out is one area where African-Americans are spending more of their money.

Packaged Facts estimates that the amount black households spent in 2015 on food away from home was 14 percent higher than in 2012, while expenditures on food at home increased only 5 percent. Similarly, purchases on apparel, personal care products — especially fragrances — home furnishings, appliances (both major and minor) and home improvement and remodeling also boomed.

African-American consumers played a major role in the rush to auto dealer showrooms that occurred between 2012 and 2015. During that time period, spending by American consumers on automotive vehicles grew by $126 billion, or 36 percent.

Higher-income African-Americans outspend the total population on "future-oriented" expenditures such as life, endowment, annuity and other personal insurance, as well as contributions to pensions and Social Security.

Packaged Facts also found

5The buying power of African Americans continues to rise, according to a new report. / Courtesy photo

that higher-income black consumers present a major opportunity for financial firms. Over the past decade, the percent of higher-income African-American households holding any form of financial investment has trended upward from 36 percent to 44 percent.

"It is interesting to note that the targeted marketing efforts of financial services companies often have an aspirational theme," Brown said. "They include actions like supporting programs and organizations that highlight the achievements of success-

Local Startup Helping Dominican Farmers

By Stacy M. Brown WI Senior Writer

5D.C. businesman and Dominican Republic native Luis Solis is trying to aid

farmers in his homeland by donating 20 percent of his proceeds to them and pushing for government assistance. / Courtesy photo

14 OCTOBER 13 - 19, 2016

Luis Solis is described by those who work with and for him as a passionate and dedicated leader who has poured his heart and soul into all things Caribé.

And the D.C. businessman has done his due diligence, researching and discovering that in America, a mango can cost more than $2 at a grocery store but in his native Dominican Republic, small farmers are leaving the fruit laying in piles to rot because they have no one to sell it to.

Solis is working to change the plight of farmers in his home country with Caribé Exotic, his new juice startup

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business that sources its tropical fruits directly from tiny farms on the island that would otherwise have no way of earning a profit.

"Our goal is to eliminate the middle man. We want to be sourcing fruits directly from farmers at a fair price and turn it into a product that has demand in the United States," Solis said. "That is what our brand is about, we want to be able to replicate that system in other countries. However, in order to do this, we have to build a demand for our brand in the United States as well as awareness."

The story of Caribe began when Solis said he noticed juice offerings did not match the quality of flavor or experi-

ful African-Americans in many walks of life, contributing to scholarship funds and advising black professionals on how to generate and manage wealth."

View additional information about the report, "African-Americans: Demographic and Consumer Spending Trends, 10th Edition," including purchase options, the abstract, table of contents and related reports, at the Packaged Facts website (www.packagedfacts.com/African-Americans-Demographic-10293172).

WI ence he and his business partners had grown accustomed to drinking when living in the Dominican Republic, where natural, fresh-tasting, nutrient-packed juices are a cultural staple.

Today, the company offers a portfolio of cold pressed juices made from exotic fruits, all of which are sourced from the Caribbean and helps farmers sell their fruit abroad, giving them access to different markets they otherwise would not be able to reach.

The company operates primarily out of the District and Miami and its products can be found in places such as Whole Foods Markets and Virginia's Blue Ridge Country Store.

Solis said there are a few reasons why farmers in his native country are forced to leave

FARMERS Page 44

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BUSINESS

Business Exchange

U.N. Panel Says U.S. Owes Reparations for Slavery

by William Reed If you don't stand for something, you'll fall for anything — Malcolm X Despite African-Americans' feckless political influence toward making it an issue, reparations discussions are gaining recognition, strength and momentum. The colonial legacy of enslavement, racial subordination and segregation, racial terrorism and racial inequality remain serious challenges for blacks in America. Yet, the shackles of slavery and plight they've evolved for blacks aren't a priority topic for blacks voting in the 2016 campaign. The United Nations' Working Group of Experts on People of African Descent has chided America for having "no real commitment to reparations and to truth and reconciliation for its people of African descent."

African-Americans are too caught up in "mainstream politics" that declares reparations aren't an issue, despite the U.N. group determining that history of slavery in the United States justifies reparations for African-Americans. The group included leading human rights lawyers from around the world that say: "Effects of slavery continues unabated" in America. Institutional racism is in your face on a daily basis in America, yet blacks fail to make reparations a part of the political discourse.

In making African-Americans' case for them, the U.N. experts said, "In many cases, [people of African descent] situation remains largely invisible, and insufficient recognition and respect has been given to seek redress for their present condition.

They all too often experience discrimination in their access to justice, and face alarmingly high rates of police violence, together with racial profiling."

"Whether as descendants of the victims of the transatlantic slave trade or as more recent mi-

grants, people of African descent constitute some of the poorest and most marginalized groups," the report said. "Studies and findings by international and national bodies demonstrate that people of African descent still have limited access to quality education, health services, housing and social security."

Why are African-Americans so reticent on the subject of reparations? The U.N. group met with city officials and community groups in the U.S. before concluding that blacks still experience vestiges of slavery — a crime perpetrated against humanity that deserves reparations. The group says the U.S. government should offer reparations by way of "a formal apology, health initiatives, educational opportunities, an African knowledge program, psychological rehabilitation, technology transfer and financial support, and debt cancellation."

Although institutional racism exists in all facets of American life, U.S. officials have no obligation to act upon the U.N. group's recommendations.

Black voters and political leaders should be more conversant on H.R. 40, a bill introduced almost three decades ago by Rep. John Conyers to establish a commission to study reparation proposals for African-Americans. But blacks who find "racism" and "injustice" all around seem apathetic to discussions for or about reparations.

The U.S. likely owes descendants of slaves $14 trillion.

Reparations payments could total $1 million per a family of four. The legacy of slavery remains a serious challenge, as there has been no real commitment to reparations and to truth and reconciliation for African-Americans. Rather than demanding some commitment for their votes, African-Americans adopt a "heaven can wait" attitude casting their support and votes against Trump, instead for candidates such as the Green Party's Jill Stein and running mate Ajamu Baraka, whose platform advocates "reparations."

Black voters may be leery of Baraka who has criticized African-Americans' efforts to assimilate into the American mainstream, labeling it "genocide."

In our haste to middle-class and

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"mainstream" acceptance blacks have allowed party priorities to supersede their own political interests and issues willingly accepting "the status quo." In what may be the height of political naiveté, three-time NBA champion and four-time most valuable player LeBron James has

endorsed Hillary Clinton saying: "I believe in what President Obama has done … and support her commitment to continuing that legacy."

Let's not be like LeBron James in leaving America's legacy of slavery unchallenged and unchanged. Will the issue of rep-

arations for blacks be a topic of discussion in the 2016 elections?

Ninety-eight percent of African-Americans are descendants of slaves and have a stake in the issue. Blacks have been lacking in adjudicating debts the US owes descendants of slaves.

WI

The ABC’s of Trusts

By Aimee D. Griffin, Esq. As an estate planning attorney, one of the greatest confusions notice in my clients is in the understanding of the benefits of Trusts. I often am encountered with a blank stare when I speak about Trusts as an estate planning tool. We need to be comfortable with the use of all vehicles that build our economic strength. In estate planning, we work with individuals to accomplish three goals: 1) avoid probate, 2) minimize taxes and 3) protect assets for the creation of a legacy. Although each state has distinctive rules about Trusts, there are several specific commonalities that are important to know.

Trusts, like corporations, are legal constructs. They are not something that you can actually see but they are effective in holding the title for property for the benefit of the beneficiary.

The Trustee can be the Grantor, the person who owns the assets and transfers them into the Trust or the Trustee can be a person who will act on behalf of the best interest of the beneficiary.

Yet an important thing to remember is there is a “fiduciary” relationship requiring the trust is a legal duty.

The duty requires that the Trustee hold the primary responsibility act in the best interest of the beneficiary.

The two major categories of Trusts are: revocable and irrevocable. As the name suggests, Revocable Trusts can be changed easily by the Grantor. Irrevocable Trusts are not easily changed once established.

Each state, as well as the language in the Trust, dictates how the Trust can be changed. Typical provisions are made for the need, in circumstances where there is change in the law, for the Trust to be modified.

Revocable Trusts become irrevocable upon the death of the Grantor.

The primary benefit of the Revocable Trust is to avoid probate. Probate is the process that moves an asset out of your name after you have passed away. Probate is required when the primary tool for disposition of assets is through a Last Will & Testament. The probate process requires months and sometimes years before assets are distributed. It may create challenges for the use of the resources within that time. Once the asset is retitled into the Trust before death there is no urgency in transferring the asset (after death).

An Irrevocable Trust typically transfers your assets out of your (the Grantor’s) estate and potentially out of the reach of estate taxes and probate, but cannot be altered by the Grantor after it has been executed easily. Therefore, once you establish the Trust, you will lose control over the assets and you cannot change any terms or decide to dissolve the Trust.

An Irrevocable Trust is generally preferred over a Revocable Trust if your primary aim is to reduce the amount subject to estate taxes by effectively removing the Trust assets from your estate. Also, since the assets have been transferred to the Trust, you are relieved of the tax liability on the income generated by the Trust assets (although distributions will typically have income tax consequences). The money in an irrevocable trust may also be protected in the event of a legal judgment against you. This tool is typically used to convert money from a countable to a non-countable asset when seeking asset-based benefits. So often people are told to “spend down” assets in order to qualify for benefits. Once money is transferred into an Irrevocable Trust for five years it is not countable asset in the “look back” period of eligibility for governmental benefits such as Medicaid.

There are many types of Trusts that can be employed for the benefit of exercising control of your assets in order to build a legacy. Trusts are great tools and are not just for the wealthy. Just taking the opportunity to understand them and use them wisely provides the best opportunity for creating intergenerational wealth.

Aimee D. Griffin, Esq., The Griffin Firm, PLLC 5335 Wisconsin Ave NW, Suite 440 • Washington DC 20015 www.thegriffinfirm-PLLC.com • 202-379-4738

THE WASHINGTON INFORMER

OCTOBER 13 - 19, 2016 15

NATIONAL Social Media Wins, America Loses in Second Debate

By Stacy M. Brown WI Senior Writer It was, in the words of so many who watched and most of the experts covering it, the worst debate ever.

What happened in St. Louis on Sunday has many calling it one of the most unfortunate — if not darkest — moments in the history of American politics.

Republican Presidential nominee Donald Trump literally stalked Democrat Hillary Clinton as she tried to gracefully answer questions posed by select audience members and moderators during the town hall-like setting at Washington University.

For 90 minutes, Trump and

Clinton called each other liars, untrustworthy and unfit for office as they sparred not so much about their policy differences as their basic character.

Trump even threatened to "jail" Clinton if he became president.

"Believe me, she has tremendous hate in her heart," Trump said.

Clinton accused Trump of launching distractions and diversions: "Anything to avoid talking about your campaign and the way it's exploding."

The debate was nearly nonstop name-calling and nastiness — they opened by eschewing the traditional handshake, and things only worsened from there.

An agitated Trump repeatedly en-

5 Donald Trump spent much of the 90-minute debate Sunday stalking Hillary Clinton onstage, hovering as she responded to questions. / Courtesy photo

croached Clinton's physical space as he paced the debate stage.

That action by Trump, who had called on Muslims to report on perceived terrorist activities, led to the social media hashtag: MuslimsReportStuff.

"I'd like to report a creeper who stalked a woman on the stage tonight. #MuslimsReportStuff," wrote Fasiha Khan on Twitter.

"Hey, it's me again, I'd like to report a man who goes around kissing women without their consent," wrote one Twitter user, a reference to the woman-demeaning comments Trump made to NBC's Billy Bush on the viral video that even has some Republicans jumping off the Trump train.

March of Dimes Tags Stacey D. Stewart as President WI Staff Report The March of Dimes Foundation recently announced the selection of Stacey D. Stewart as its next president. She will begin transitioning to the March of Dimes on Nov. 7 and officially assume all duties on Jan. 1. Stewart previously served as the U.S. president of United Way Worldwide.

Her academic achievements include a master’s of business administration from the University of Michigan and a bachelor’s degree in economics from Georgetown University. In addition to many national awards, she has also been recognized with honorary degrees from Alabama A&M, Morgan State University, Texas Southern University and Trinity University. Married to Jarvis C. Stewart, the chairman and managing partner of public affairs and strategic communications firm I+R Media LLC, the couple have two children, Madeleine

16 OCTOBER 13 - 19, 2016

5 Stacey D. Stewart / Courtesy photo

and Savannah.

“I am grateful to have the opportunity to lead an organization with such a storied history as the March of Dimes,” Stewart said.

“Across polio, birth defects and the prematurity campaign – few

organizations have made such a lasting impact on the futures of mothers and babies as the March of Dimes. I feel honored to join this tradition and seek new ways to reach and protect every mother and baby in the future.” WI

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There were only brief reprieves of policy discussion that quickly reverted to contentious sniping, even as they had to balance their attacks with flashes of geniality before a town-hall audience of undecided voters.

From its earliest moments, the debate was colored by the events of the past few days, mainly a decade-old tape surfacing Friday that revealed Trump describing in graphic and sexually aggressive terms making unwanted advances on women, which he said Zwas easy to do because he is a "star."

Legions of Republicans have abandoned his campaign in the last two days over the lecherous remarks that moderator Anderson Cooper described to Trump on Sunday night as amounting to "sexual assault."

Trump tried to downplay the tape — "it's just words folks, it's just words" — as he shifted the topic to Bill Clinton, to the Islamic State, to Clinton's emails, to anything else.

"This was locker room talk," Trump said over and over.

But Clinton would not let Trump off the hook.

"What we all saw and heard on Friday was Donald talking about women, what he thinks about women, what he does to women, and he has said that the video doesn't represent who he is, but I think it's clear to anyone who heard it that it represents exactly who he is," she said.

Clinton framed this race as different from any other she's taken part in.

"I never questioned their fitness to serve," she said of past opponents. "Donald Trump is different."

Trump acknowledged he wasn't proud of his comments but he accused Clinton's hus-

band, former President Bill Clinton, of far worse "actions," pointing to the four women he invited into the audience who have made sexual-related allegations against the Clintons.

Trump had held a brief press event with those women before the debate.

Asked three times by Cooper whether he had physically accosted women the way he described on the tape, Trump eventually said, "No, I have not," though some women have publicly accused him of touching them inappropriately.

CNBC noted that the event itself was the most tweeted-about debate ever, according to Twitter, which reported 17 million debate-related tweets were sent. It was also the most tweeted day of the 2016 election, with almost 30 million tweets sent.

Social media marketing platform Spredfast found that there were 5.78 million Twitter mentions involving the terms "debate," "debate night" and "debate 2016" during the second presidential debate, compared to 5.77 million such tweets during the first.

Twitter's numbers included tweets about Trump and Hillary Clinton, according to CNBC. Trump was involved in 64 percent of all debate-related chatter, Twitter said.

The most talked-about moment on social media was when the New York businessman threw his own running mate, Indiana Gov. Mike Pence, under the bus.

Trump, when asked about his running mate's stance on the humanitarian crisis in Aleppo and about Syria, tersely responded, "He and I haven't spoken, and I disagree."

WI

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TEDGlobal — an extension of TED Talks, the nonprofit organization devoted to spreading ideas in the form of short, powerful talks — makes its return to Africa after 10 years.

The multicultural platform announced Oct. 3 that it is accepting applications for the 2017 TEDGlobal "Builders. Truth-tellers. Catalysts" workshop, set for Aug. 27-30 in Arusha, Tanzania.

Emeka Okafor, Africa director of TED, expressed his anticipation for the upcoming forum.

"At the end of TEDGlobal 2007, we talked about 5 Spectators look on during the TEDGlobal 2015 planting seeds," he said. "Ten years later, we will be Conference in London. / Courtesy of James Duncan mapping and imagining new directions. TEDGlobal Davidson/TED 2017 will showcase the brave and the bold, the makers and creators, pioneers and builders, the advocates and activists."

Applications to become a TEDGlobal 2017 Fellow and attend the conference are now underway.

For more information, visit www.ted.com.

Will Presence of Israel Spark Revolution in Africa?

By Lauren Poteat WI Contributing Writer Once longtime enemies, Africa and Israel may be heading toward peace and continental development.

Multiple African nations that cut ties with Israel following the 1973 Arab-Israeli War may now be interested in reopening business opportunities.

When Israeli Prime Minister Benjamin Netanyahu embarked on a four-country tour of East Africa in July, it made him the first Israeli prime minister to visit the continent in 30 years.

The tour which included Uganda, Kenya, 5 Israeli Prime Minister Benjamin Netanyahu in Jerusalem Rwanda and Ethiopia, was used as a means to prowith Kenyan President Uhuru Kenyatta / Courtesy of algepose a plan of boosting security, healthcare and meiner.com trade ties in Africa, as reported by Al Jazeera.

Netanyahu also met with various African leaders this month during the 71st session of the United Nations General Assembly in New York.

Although the meeting was a closed-door affair, it reportedly served as a pivotal point in Israeli-African relations, sparking speculation of what it could mean economically for Africa.

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Zulu Kingdom Celebrates 200th Anniversary

By Lauren Poteat WI Contributing Writer Sounds of drums, body percussions and praise rang out through South Africa as thousands of African residents welcomed the 200th anniversary of the Zulu Kingdom, founded by the legendary warrior king Shaka Zulu.

The celebration, which was held Sept. 24, marked the first time in the nation's history that the event was celebrated in Durban, a coastal city in eastern South Africa's KwaZulu-Natal province.

Usually taking place in KwaDukuza — the burial place of Shaka Zulu, who died in 1828 when he was just 41 years old — the celebration also marked the 45-year anniversary of the reigning king of the Zulu Nation, Goodwill Zwelithini.

During the auspicious occasion, thousands of Zulu regiments, traditional dance groups, continental monarchs and dignitaries convened in honor of one of the most influential monarchs of the Zulu Kingdom.

Noted as a "military genius," Shaka Zulu forever revolutionized warfare with tactics still studied by military specialist today, introducing new weapons such as cowhide shields much stronger than steel and wood.

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OCTOBER 13 - 19, 2016 17

H E A LT H Black Women Die from Breast Cancer at Higher Rate, New Study Finds

Profound Disparities in Mortality Rate Revealed

By Stacy M. Brown WI Senior Writer Black women continue to die from breast cancer at a higher rate than their white counterparts in the United States, and that the disparity increased across the country as a whole, according to a new study released by the Avon Foundation.

"Avon Foundation recognized early on that there was a significant need to understand these

racial disparities in order to focus efforts and resources where they are most needed," Cheryl Heinonen, president of the Avon Foundation for Women, said in a news release. "As the company for women, Avon puts women at the center of everything we do.

This is part of our DNA, our history and our legacy to empower women and improve the quality of life of women. And this requires collaboration at all levels."

Conducted by Sinai Urban

5 New study reveals that Black women are dying at a higher rate from breast cancer than their white counterparts. / Courtesy photo

Health Institute in collaboration with the Breast Cancer Research Foundation, the study was funded by the Avon Foundation for Women and conducted in the 50 largest cities in the United States between 2005 and 2014.

It's considered the most comprehensive longitudinal analysis of the direction and magnitude of disparities in breast cancer mortality rates among black and white women by city.

Between 2010 and 2014, the breast cancer mortality rate for black women was 30.7 deaths

BREAST CANCER from Page 1 meetings with city officials and said more resources must be allocated to educate women of color if we’re truly serious about saving the lives of women.

“It’s time to change the conversation. While the folks at Susan G. Komen have done an outstanding job over the years to raise awareness and have helped turn October into a month focusing on breast cancer, we have to change the message. Women of color are now the top demographic of those diagnosed and dying from the disease,” said Williams who remains committed to filling the needs of her sisters of color throughout the Greater Washington Area.

During the brunch, the over 250 attendees learned about the importance of breast care and the necessity for having regular mammograms while also celebrating the lives of breast cancer survivors and paying homage to those who have lost their lives as a result of the disease.

“Look at the current numbers – those communities most impacted are African Americans and Latinos,” she said. “That’s

18 OCTOBER 13 - 19, 2016

5 Natalie Williams, the founder and CEO of Support Breast Cancer, a non-profit D.C.-based organization that gives support and encouragement to women faced with breast cancer, addresses over 250 attendees on Sunday, Sept.

25 in Northeast during the organization’s annual brunch. / Photo by Khalid Naji-Allah

why my organization has joined forces with MedStar Health – a not-for-profit healthcare organization that operates more than 120 entities, including 10 hospitals in the Baltimore – Washington metropolitan area. Now,

in addition to my foundation’s annual testing campaign, we’ve been able to increase the number of those getting tested because of our partnership with MedStar.”

“We hold this brunch every

THE WASHINGTON INFORMER

per 100,000 women and, for white women, it was 21.4 deaths per 100,000 women.

Nationally, black women were 43 percent more likely to die from breast cancer than their white counterparts.

For each of the cities examined, the study provided the breast cancer mortality rates for white and black women, along with a ranking of the cities based on their racial disparities.

Atlanta experienced the largest increase in the black and white disparity over the study period.

However, there was a statistically significant decrease in the disparity in Memphis, Philadelphia and Boston.

"Examining mortality and disparities data at the city level is imperative in the ongoing challenge to eliminate health disparities and achieve health equity," said Bijou Hunt, an epidemiologist and co-author of the study at the Sinai Urban Health Institute who has spearheaded research on disparities in breast cancer mortality rates among Af-

year but with the recent statistics, it’s even more important that women understand the seriousness of breast cancer.

One physician from MedStar, Dr. Elmer Huerta, shared these sobering numbers – D.C. has more new breast cancer diagnoses than any other city in the country. We must do better. We can do better,” Williams added.

Williams attributes her recovery from breast cancer to a healthier diet, exercise and educating herself on those things that trigger cancerous tumors in the body.

Dr. Huerta shared the following results from a survey of 1,000 women that initially targeted women in Ward 5 and asked them why they did not make a mammography part of their annual regiment of physical examinations.

First, many expressed fear about getting tested. The next three responses: they were unable to find the time to get tested; they had no previous history of breast cancer in their family; they had misconceptions about the impact of a mammogram on their physical well-being. Some even believed that a mammo-

gram could cause one to develop breast cancer – a false notion.

In addition, 97 percent of those surveyed had health insurance – something that Williams said she found truly amazing.

“Black women often don’t get tested until they’ve already reached stages 3 or 4. That’s why we have the highest mortality rates in D.C. – in fact in the nation,” Williams said.

“Women have got to take care of themselves. We must schedule an annual mammogram and if necessary, we should take a friend. And men should encourage their women to get the test because the disease is treatable if it’s detected early.

But when it’s not it becomes a deadly disease.”

Actor Lamman Rucker served as the keynote speaker for the brunch – real treat Williams says for the women who participated.

“Dr. Huerta’s study shows that women in Wards 5, 7 and 8 are particularly at risk. But we have the opportunity to save lives – and that’s just what my organization, in tandem with MedStar, intend to do,” Williams said. WI

CANCER Page 38

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First Black Miss Missouri Plans to Be Agent of Change

HEALTH U M C R E C O G N I Z E S B R E A S T C A N C E R AWA R E N E S S M O N T H

BREAST CANCER AWARENESS

BY T H E N U M B E R S AFRICAN AMERICAN WOMAN

1 OUT OF 6

before age 40

breast cancers occurs in women in their 40s

EXPERIENCE HIGHER RATES OF BREAST CANCER AND ARE MORE LIKELY TO DIE FROM THE DISEASE AT EVERY AGE.

246,660

women will be diagnosed with breast cancer in the U.S. this year and more than

40,050

5 Bayleigh Dayton is crowned as the first Black Miss Missouri USA.

WILL DIE.

/ Courtesy of Bayleigh Dayton

By Lauren Poteat WI Contributing Writer

Bayleigh Dayton was recently crowned the first Black Miss Missouri USA, and she intends to be more than just a pretty face.

Crowned on Sept. 25 in front of thousands of people, the overwhelmed new queen, who had only ever done two pageants prior, spoke on her firm mission to make a difference.

With recent statistics indicating a growing number of aggressive breast cancer cases among ladies age 25-34, Dayton said she will use her newfound fame to tackle the issue.

"To become the very first Black Miss Missouri USA, is the most amazing feeling that I could ever experience at this point in my life," she said. "My major platform is advocating against sexual abuse and assault against women, because like a lot of other girls, I too have had my own personal obstacles with such, but breast cancer is something that also hits home.

"My grandmother passed away from breast cancer in 2001," she said. "She was only 56 years old. My godmother is a breast cancer survivor, so breast cancer awareness is a major part of my life. I will definitely be attending various breast cancer events, participate in various walks and, of course, wear my pink ribbon all month long."

In addition to Miss Dayton's

efforts with breast cancer and sexual abuse and assault awareness, every year each Miss Missouri USA teams up with the Warriors for Ross Foundation, whose mission is to bring awareness to childhood cancer.

Statistics from City of Hope, a leading research and treatment center for cancer reports, show nearly 100,000 children a year die worldwide from cancer.

"Warriors for Ross is something very important that we do every year and I plan to do my best in helping this wonderful organization," she said.

As the first Black Miss Missouri, Dayton said she will address race relations as well.

"With the current race relations and me being the first Black Miss Missouri USA, I plan to take full advantage of my position," she said. "I am not just going to just sit around and be quiet. It's 2016 and only just now has there been a Black Miss Missouri. That in itself is too long.

"When young Black girls see me, I want them to think anything is possible, to always keep God first, because he will give you the desires of your heart and to always dream big," Dayton said. "You know, people like Halle Berry and Eva Longoria started out in pageants and then they went on to even bigger and greater things. So this is just the beginning for me too and all the other little Black girls that see me." WI

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EVERY

EVERY

02

13

MINUTES, A WOMAN IS DIAGNOSED WITH BREAST CANCER.

MINUTES,

A WOMAN DIES OF BREAST CANCER.

DON’T GET SCARED BY THESE NUMBERS.

GET SCREENED.

To make an appointment or to learn what breast cancer screening is right for you and when it’s right for you, call us at 202.574.6141.

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If Your Ad Were Here Someone Would Be Reading It! Contact me, Ron Burke, at 202-561-4100 or rburke@washingtoninformer.com THE WASHINGTON INFORMER

OCTOBER 13 - 19, 2016 19

HEALTH CHRONIC

The Rwanda Genocide: Twenty Years Later

QUIZ

KIDNEY DISEASE CAN LEAD TO

ANEMIA

COULD YOU HAVE ANEMIA DUE TO CHRONIC KIDNEY DISEASE?

LEAVING YOU FEELING TIRED AND WEAK

YES

NO

Do you have chronic kidney disease?

There are some things that you should know if you’ve been diagnosed with chronic kidney disease. In certain people, chronic kidney disease can lead to a serious condition called anemia. Anemia occurs when your body doesn’t have enough red blood cells.

Red blood cells carry oxygen to the rest of your body, giving you energy to do your daily activities.

Do you have any of the following symptoms:

Feel tired often Shortness of breath Dizziness Racing heartbeat

If anemia due to chronic kidney disease is left untreated, you are at risk for serious health consequences, including a higher risk of heart complications or needing a blood transfusion.

If you are unsure if you have anemia, or it’s been a while since you’ve checked, a doctor can diagnose it through a simple blood test.

If you have chronic kidney disease and checked off at least one of the above symptoms, you may have a condition called anemia.

ANEMIA SYMPTOMS ARE EASILY MISSED Symptoms of anemia are very common to many other conditions and can therefore be easily missed. Common anemia symptoms include: Feeling tired often Shortness of breath Dizziness Racing heartbeat

ANEMIA DUE TO CHRONIC KIDNEY DISEASE CAN BE TREATED Anemia due to chronic kidney disease is primarily treated with an injection of a medication that helps your body produce red blood cells. Because your body needs iron to make red blood cells, your doctor may also give you iron, either in pill form or as an IV.

A RESEARCH STUDY MAY BE AN OPTION The PROTECT Study is a new research study evaluating an investigational oral medication for people with anemia due to chronic kidney disease.

The study compares the effectiveness of the investigational oral medication to an approved anemia medication given by injection.

During the study, qualified participants will either receive the investigational oral study medication or the approved injection.

Treating your anemia may give you more energy and reduce your risk of serious health consequences.

LEARN MORE TODAY

KidneysAndYou.com Call: 844-704-0404

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VISIT OUR WEBSITE FOR EVEN MORE INFO ON OUR COMMUNITY! WWW.WASHINGTONINFORMER.COM 20 OCTOBER 13 - 19, 2016

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5 / Courtesy of National Holocaust Museum

By Lauren Poteat WI Contributing Writer As the first case to prosecute rape as an act of genocide during wartime nearly 20 years ago, prosecutors involved in the 1997 International Criminal Tribunal for Rwanda reconvened for an additional review in hopes of continued support against rape genocide present today.

A panel discussion, held Oct. 7 at the Holocaust Museum in southwest D.C., previewed the documentary, "The Uncondemned," that gives an in-depth look into the 1997 trial and an overall background of the 1994 Rwandan genocide, where over a half-million women were raped, sexually mutilated or murdered.

One of the panelist speakers and director of "The Uncondemned," Michele Mitchell, spoke of one of her inspirations for revisiting the 1997 story.

"I knew what had happened to [the Rwandan women], I had read the court testimony," she said.

"The more interesting question was, 'Why did you decide to testify?'

And by starting with that question, it changed the entire context of our interaction and created a moment of empowerment I don't think I realized had happened."

Panelists Naomi Kikoler, deputy director of the Simon Skjodt Center for the Prevention of Genocide at the Holocaust Museum, and Sara Darehshori, a prosecutor during the 1997 case in which Jean-Paul Akayesu, a former mayor of Rwanda, became the first person in history to be prosecuted for rape crimes, discussed precedents set by the case, the impact of the film and exhausted solutions to preventing other geno-

cides from happening.

"The key to the deterrence of [rape] is likelihood of apprehension and prosecution, Darehshori said.

"So while this is great that Akayesu came out with the right result and established precedent, it won't act as a deterrent unless other people are prosecuted and apprehended.

"Unless there is a will to arrest people for these crimes and to follow through with these prosecutions, unfortunately, people will continue to think that they can act with impunity," Darehshori said.

During the historical trial, Akayesu was found guilty of intent to destroy with mass violence a particular ethnic group — the Rwandan women) — in whole or in part, with sexual brutality.

Though the 1997 case publicly shed light on rape genocide, Dareshori strongly encouraged people to continue to speak out, making mention of rape genocides reportedly still prevalent today in countries such as Sudan, Iraq and Serbia.

"When I went back to Rwanda this year, it was great to see these Rwandan witnesses again, and see that their experience was so positive and is powerful for them," she said.

"It was really striking to me, to see that their experience is similar to the experiences and the trauma of the women that I work for here in the United States, who have come forward and now advocate for justice."

The women who testified during the trial and participated in the documentary are expected to visit Washington, D.C., in the coming weeks to further share their stories and meet other Rwanda genocide survivors.

WI

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October Greetings From DC Office on Aging Laura Newland DC Office on Aging Executive Director Fall is here! I had the TV on the other night, and I looked up and realized with horror that QVC was selling Christmas trees and Christmas decorations. In September. We live in a culture that’s always pointing us to what’s next— the next big thing, the next big event, the next big whatever.

And somehow we miss all the in between things and wonder where our days went.

One of the things that I love about this job is that when I see you out in the community, you remind me over and over that I need to remember that what happens now is important. That yes, it’s good to be strategic and plan ahead, but I can’t forget that what we do today is critical for seniors, peo-

WWW.WASHINGTONINFORMER.COM

ple with disabilities, and their caregivers living in the District. We can’t wait for a year from now, five years from now, to be great. You need us to be there for you today.

I’ve started asking people in my life and people I meet about how connected they are to services where they live and what they wish they knew.

Over and over, people tell me that they wish they had a reliable source of information for caregiver support. Caregiving is a relationship. A critical one that holds our families and communities together.

Several years ago, my dad got really sick really quickly for no identifiable reason and spent time in an intensive care unit.

It was terrifying. I shared caregiver responsibilities while he was at the hospital, and when he was moved back home for a short period of time. Taking

care of my dad changed our relationship. And it changed me, too.

My time as a caregiver was short-lived, but I know for many of you, this is an ongoing responsibility. As an agency, we’ve been thinking quite a bit about the services we provide, and we know that when we serve caregivers, we’re serving seniors and people with disabilities. In many cases, it’s caregivers who prevent people from living in nursing homes or other long-term care. We need to serve you, too.

If you’re a caregiver and interested in knowing what might be available to you (or if you know a caregiver), please call our Information & Assistance line at 202-724-5626.

DCOA provides support for caregivers through adult day health programs, respite, and online chats with other care-

THE WASHINGTON INFORMER

givers. Check out our website at www.dcoa.dc.gov for more detailed information.

In all of our agency work, we strive to make your lives a little easier, providing support and programs that allow you to have less stress and more information. I hope each of you is able to step outside, breathe in the crisp fall air, and enjoy it for exactly what it is. A perfect fall day.

OCTOBER 13 - 19, 2016 21

EDUCATION DCPS

BRIEFS Compiled by Dorothy Rowley WI Staff Writer DCPS Cyberbullying Contest As part of a national effort to raise awareness of cyberbullying, AT&T has sponsored the first-ever Cyberbullying Film Invitational in New York City, featuring high school student filmmakers from across the country.

D.C. students from School Without Walls and Woodrow Wilson High School participated, and though their films did not win, they are still in the running for the festival's Public Choice Award, is open to online voters until Oct. 28. The

winning team receives an additional $5,000 for its school or organization.

BACKONTRACKDC

The Office of the State Superintendent of Education has launched "BackonTrackDC.org," a new website that directs users to a range of alternative and adult-serving education programs throughout the District.

BackOnTrackDC gives users the option to browse up-to-date and reliable information on more than 20 education programs located all over the District, listing items that include enrollment eligibility and timing, addresses and contact information for each.

"BackOnTrackDC acts as a onestop, 'front-door' resource to empower thousands of District youth and adults to reconnect and get 'back on track' with their educational and career goals," said Kilin Boardman-Schroyer, OSSE deputy assistant superintendent for Postsecondary and Career Education.

"We are excited to provide this tool and grateful to our partners at Raise DC, Next Step PCS and The Community Foundation for the Nation-

5Prince George's County Executive Rushern Baker reads to children previously enrolled in the terminated

Head Start program. / Courtesy of pcgps.org al Capital Region whose support made this initiative possible."

EASTERN HIGH STATISTICS CLASS EXAMINE HOUSING PRICES

Students enrolled in probability and statistics classes at Eastern High School in Northeast use math to gain informed data-driven conversations about things that matter.

Their current project is based upon housing prices in the city.

Next, they'll tackle statistics related to crime in the nation's capital.

PGCPS

CEO: 'Early Start' to Replace Head Start

Schools CEO Kevin Maxwell announced in late September that while services will continue for all Head Start students, they will be funded and operated by PGCPS through the new "Early Start" program.

Early Start will serve 855 students with certified instructors and a high-quality curriculum at 35 program sites.

Participating students will have the same instructors, program site, transportation services and school meals as they did in the former Head Start program.

In addition to new mental health, nutrition and wellness resources for parents, there will be increased monitoring and enhanced staff screening to address safety and disciplinary concerns.

SOCIAL MEDIA SAFETY

5The Black Youth Vote! Network has launched its 2016 HBCU/Community “Vote Your Power” Challenge

(BYV! ’16 Challenge) across the country. The challenge serves as an organizing strategy developed by and for Black millennial leaders and activists to engage young people in getting their friends educated, motivated and energized to register to vote, verify their registration, vote in the 2016 election and encourage their peers to vote. /Photo courtesy BYV!

22 OCTOBER 13 - 19, 2016

THE WASHINGTON INFORMER

Unsubstantiated reports of "creepy clowns" on social media have disrupted schools systems nationwide, including PGCPS, and caused anxiety and fear among students and families.

Here's what Prince George's schools officials say parents need to know: • How The Reports Start: Social media has been the primary vehicle for making such threats. Generally, they begin as Instagram posts with newly created accounts, then are uploaded to Facebook and Twitter and redistributed with viral speed.

• School Response: The safety of PGCPS students is top priority for school officials who take these threats seriously. As a precaution, local law enforcement deployed additional officers at schools throughout the county.

• Arrests and Consequences:

Several students were arrested after the threats were traced back to them. Threats of mass violence carry a sentence of up to five years in jail or a fine up to $100,000.

• Social Media Safety: Parents are encouraged to talk with their children about appropriate social media behaviors and the consequences associated with these incidents. Also encourage children not to forward any messages, but to contact the police immediately.

COMMUNITY FORUMS

Families will soon have the opportunity to learn about the 6th grade-to-middle school transition being implemented in 2018, and to share their ideas on how the district should address issues such as overcrowding and long-term facility needs, through a series of forums slated for October.

The discussions will take place from 6:30 p.m. to 8 p.m. on the following dates: Thursday, Oct. 20 James Madison Middle School 7300 Woodyard Road Upper Marlboro, MD 20772 Wednesday, Oct. 26 Accokeek Academy 14400 Berry Road Accokeek, MD 20607 Thursday, Oct. 27 Bladensburg High School 4200 57th Avenue Bladensburg, MD 20710 For more information, visit http://www1.pgcps.org/discussions or call the Department of Pupil Accounting and School Boundaries at 301-953-6300. WI

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Moving forward to make things right.

We are deeply committed to serving you and your financial needs. We know we did not live up to that commitment. We want you to know that we’re making things right and that we’re even more dedicated to serving you and making sure you know where you stand. There is nothing more important than for you to experience the very best from us.

That’s why we’ve already taken action: Putting your interests first: We have eliminated product sales goals for our Retail Banking team members who serve customers in our bank branches and call centers. This means that their focus will be on meeting your financial needs, not meeting sales goals.

Proactively communicating with you: We send a confirmation after you open a new consumer or small business checking, savings or credit card account so that you know what is happening and can tell us if anything we’ve confirmed is different than what you expected.

Full transparency: You can always see your eligible accounts any time when enrolled in Wells Fargo Online.® Fixing what went wrong: We have provided full refunds to customers we have already identified and we’re broadening our scope of work to find customers we may have missed. If we have any doubt about whether one of your accounts was authorized, and any fees were incurred on that account, we will contact you and refund fees.

The trust you place in us means everything and we will work hard every day to earn it back. wellsfargo.com/commitment 1-877-924-8697

© 2016 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

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If you have any concerns about your accounts or any aspect of your relationship with Wells Fargo, please come into a branch or call us on our dedicated hotline 24/7 at 1-877-924-8697.

Please play responsibly. For help, visit mdgamblinghelp.org or call 1-800-GAMBLER. Must be 18 years or older to play.

24 OCTOBER 13 - 19, 2016

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THE WASHINGTON INFORMER

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FINANCIAL LITERACY SUPPLEMENT 2016

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In Memoriam Dr. Calvin W. Rolark, Sr. Wilhelmina J. Rolark THE WASHINGTON INFORMER NEWSPAPER (ISSN#0741-9414) is published weekly on each Thursday.

Periodicals postage paid at Washington, D.C. and additional mailing offices. News and advertising deadline is Monday prior to publication. Announcements must be received two weeks prior to event. Copyright 2016

by The Washington Informer. All rights reserved. POSTMASTER: Send change of addresses to The Washington Informer, 3117 Martin Luther King, Jr. Ave., S.E. Washington, D.C. 20032. No part of this publication may be reproduced without written permission from the publisher. The Informer Newspaper cannot guarantee the return of photographs. Subscription rates are $45 per year, two years $60. Papers will be received not more than a week after publication. Make checks payable to: THE WASHINGTON INFORMER 3117 Martin Luther King, Jr. Ave., S.E Washington, D.C. 20032 Phone: 202 561-4100 Fax: 202 574-3785 news@washingtoninformer.com www.washingtoninformer.com

PUBLISHER Denise Rolark Barnes STAFF D. Kevin McNeir, Editor Ron Burke, Advertising/ Marketing Director Shevry Lassiter, Photo Editor Lafayette Barnes, IV, Assistant Photo Editor John E. De Freitas, Sports Photo Editor Dorothy Rowley, Online Editor ZebraDesigns.net, Design & Layout Mable Neville, Bookkeeper Mickey Thompson, Social Sightings columnist Tatiana Moten, Social Media Specialist Angie Johnson, Circulation REPORTERS Stacy Brown (Senior Writer), Will Ford (Prince George’s County Writer), D. Kevin McNeir, Lauren Poteat, Dorothy Rowley, Sarafina Wright (General Assignment Writer) PHOTOGRAPHERS John E. DeFreitas, Shevry Lassiter, Roy Lewis, Patricia Little, Travis Riddick

Financial Literacy is Important for the Expected and Unexpected Wells Fargo is again proud to be the title sponsor of the Washington Informer’s Financial Literacy supplement.

Financial literacy is imperative when it comes to obtaining many things we want in life, especially those that may require financing. For example, understanding terms and processes for becoming a homeowner creates a better experience because we know Cerita Battles, SVP, Head of Wells Fargo Home what to expect and what is required Mortgage Retail Diverse Segments for mortgage approval.

For many consumers there is an increased need for financial literacy in many areas, including homeownership. For example, in our third How America Views Homeownership survey that was conducted this spring, we continue to see a great desire for homeownership among consumers and a great need for knowledge about the process or requirements. About half of our African-American respondents believe that a 20% down payment is required for homeownership approval. The truth is that there are many mortgage programs available that do not require 20% down.

This year the Informer has chosen Being Prepared for a Financial Crisis as the theme for this special supplement. This is important because not only do we want to plan to achieve financial goals like owning a home, we want to be prepared to sustain it and remain there for as many years as we like. As a homeowner, when you plan for the unexpected emergency, such as pipes bursting, you may be able to avoid a financial crisis. Having funds set aside for the things you don’t anticipate is key to homeownership sustainability.

Being diligent about savings is vital to financial crisis planning. In Wells Fargo’s How America Buys and Borrows survey, fewer than half of African Americans who were surveyed, 46%, say if they lost their job they would be able to get by for at least a few months. This suggests a need for increased financial literacy about the importance of saving for the unexpected.

Saving is essential in reaching and maintaining many of our financial goals. And for those who need assistance, plenty is available. Budgeting and financial management tools are excellent reAs a homeowner, sources to assist in creating spendwhen you plan for ing plans that include establishing the unexpected savings for those anticipated and emergency, such as unexpected expenses. For example, Hands on Banking at www.handpipes bursting, you sonbanking.com , also available in may be able to avoid a Spanish, is a free, non-commercial financial crisis. Having program that teaches people in varfunds set aside for ious stages of life about the basics of responsible money management. the things you don’t This tool and many others can anticipate is key to be found online and done at a pace homeownership comfortable for the individual. sustainability.

Planning ahead with savings can help keep financial crises at bay. FL

www.washingtoninformer.com / THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016

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10 Must Know Facts to Help You Build and Manage Your Credit

By Don Gilbert Senior Vice President Wells Fargo Community Development Manager-Mid Atlantic Region We know a home can be more than just a home – it’s a place where memories grow and flourish. First steps, important family occasions and holidays; a haome is where we gather with the people we know and love best.

A vehicle can mean a lot too. For many of us, it’s how we take our kids to school or create memories from an unforgettable road trip.

These two purchases are among the largest most families will make, and many of us take advantage of credit to turn our dreams into reality. Yet, many consumers have questions about how credit works and the tangible habits that can help manage it responsibly.

According to the 2016 “How America Buys and Borrows” survey by Wells Fargo and Ipsos, 64 percent of African Americans said they would grade their understanding of how credit scores work an “A” or “B.” While this is a very positive number, it also means 36 percent would grade themselves a “C,” “D” or “F.” We want to help.

Because understanding credit can be the first step in achieving your financial goals, here are 10 facts that may help you get smarter about credit: 1. Monitor your credit regularly: Make sure you stay on top of your credit history. Be sure

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to check all three credit bureaus annually for free credit reports 3297401 through www.annualcreditreport. com.

5.65x10.5 2. Know your credit limits: Being close to or maxing out your4c credit limits may negatively impact your credit score.

3.

Good scores = Good rates: Better credit scores may get you better credit interest rates.

4. Don’t be late: Missed payments have the largest impact on a credit score, so don’t skip payments. If you are late, don’t be 30 days late, and if you have difficulty, call your lender.

5.

Know your debt-to-income (DTI) ratio: Lenders look at the amount of debt you have compared to your monthly income — it’s good to keep that under 35%. Learn more and calculate your debt-to-income ratio at www.wellsfargo.com/debtratio.

6. Start with a college or secured credit card: If you need to establish credit, a secured credit card or, if you are a college student, a college credit card may be a good way to start.

7. Pay down highest interest rates first: When trying to pay down your existing debt, pay down your highest interest debt first.

8. Live within your means: By setting a budget and living within your means, you can avoid using credit to overextend yourself.

9. Pay more than the minimum: Paying more than what’s due on your credit card helps you pay down debt faster and can improve your credit score.

10. Set up alerts: Set up email and text alerts, as well as autopay, to help ensure that you pay your bills on time and build positive credit history.

In life, there’s always room for improvement and to learn new things, and it’s not much different when it comes to credit. For this reason, I encourage you to learn a little more about credit by visiting Hands on Banking® at www. handsonbanking.org.

There may be no better feeling than being able to accomplish your financial goals. At Wells Fargo, we want to help you achieve those goals responsibly and help you succeed financially. FL

“Our business plan is our ‘go to’ document.”

Deundra Hundon Universal Martial Arts Academy, est. 2010 San Francisco, California

Our complimentary Business Plan Tool can help you focus on the things that will make your business thrive.

Like most small business owners, the Hundons* were so busy running their business that they found it hard to organize ideas for their company’s future into a business plan.

Using the Business Plan Tools from Wells Fargo, they gained valuable insight to help them focus on what to do next. It’s just one of the complimentary resources in the new Business Plan Center. To learn more, visit WellsFargoWorks.com.

*In 2014, Wells Fargo awarded James and Deundra Hundon $25,000 to help with their marketing plans. © 2016 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. AS2693079 Expires 12/2016 ECG-3297401

THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016 / www.washingtoninformer.com

Want to Buy A Home?

10 Ways to Save for Your Down Payment

By Maceo Clark Branch Manager (Burtonsville, MD) Wells Fargo Home Mortgage If you dream of owning your own home but don’t think you have enough money for a down payment, take another look. You could already have enough, or you might be closer than you think.

In Wells Fargo’s recent “How America Views Homeownership” survey, 23 percent of African Americans who do not currently own a home say one reason is that it’s difficult to

save enough money for a down payment. But many consumers overestimate how much they need. Nearly half (48 percent) of African American respondents believe a 20-percent down payment is required.

In reality, you may have other options. Some financing programs allow qualified homebuyers to put down as little as 3 percent. A home mortgage consultant can help determine what you may qualify for. They’ll also help you understand how much you need for a down payment and other upfront costs of buying a home, and for ongoing expenses such as insurance, homeowners’ association fees, and unexpected repairs.

If saving up to buy a home is your goal, how can you put more away each month to get there sooner? Here are some savings tips to consider.

1.

Pay down credit card and loan debt so you save money on interest. (This may also boost your credit score and lower your debt-to-income ratio, which helps when applying for a mortgage.) To tackle this, start with the account with the highest interest rate, pay more

than the minimum, make payments every two weeks instead of monthly, and consider setting up automatic payments.

2.

Track your spending habits and evaluate what you can cut. (Many helpful budgeting apps are available.) Small changes can add up to big savings – for example, bring your own coffee or lunch more often, carpool when possible, get your hair cut less frequently, or cook and watch movies at home more than going out.

3.

Reconsider your gym membership. How much does it cost per month, and do you use it enough to get your money’s worth? If not, look at other ways to stay fit, like walking or running on local trails, taking advantage of free yoga in the park, or following workout videos at home.

4. Be energy-efficient. According to the Bureau of Labor Statistics, the average consumer in 2015 spent $3,885 on utilities. See how much you can shrink your energy bill. For instance, keep the air conditioning or heat lower, and turn off lights and unplug electronics when not in use.

5. Move money into a sav-

ings account once a month, before paying your other bills, so you get used to living on less.

Split your paycheck direct deposit so a portion goes to your savings account and the rest goes into checking. Or, set up an automatic transfer between bank accounts, regularly sending money from checking to savings.

6. Minimize account fees.

Pay attention to when a bank account incurs fees so you can avoid it when possible – for instance, maintain the daily minimum account balance, use your debit card a specified number of times during the month, or stay below a maximum number of withdrawals from a savings account. And of course, avoid overdrafts.

7.

Consider using automatic bill pay options, through your financial institution or the billing entity like the utility company. Then you’ll avoid accidental late payments and the fees that come with them. Even if you’re busy and paying the bill slips your mind, it’s taken care of.

8. Maximize credit card rewards. Use a cash-rewards card for everyday purchases (as long

as you pay off the balance each month to avoid paying interest), and put the cash rewards into your down-payment fund. Or if you get points, redeem them for cash if you can.

9. If you get a raise, bonus, or tax refund, stash it away for your future home purchase instead of spending it now.

10.

Make sure you’re having an appropriate amount withheld in taxes from each paycheck. If you’re getting a big tax refund each year, you’re withholding more than necessary and letting the IRS temporarily hold your money interest-free. Instead, withhold less and put those extra paycheck dollars into your down-payment savings. Use the IRS withholding calculator to figure this out: https://www.irs.gov/individuals/irs-withholding-calculator Many Americans want to be homeowners and think now is a good time to buy, according to Wells Fargo’s survey. But while saving for a down payment is often seen as a big barrier, it might not have to be. With the facts about what’s required and with a plan to save, you could be on your way to achieving your homeownership goals. FL

www.washingtoninformer.com / THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016

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A better way to buy a home, with as low as 3% down and expanded features that may help you qualify.

If you’re looking to buy a home of your own, look into yourFirst Mortgage. Our low down payment, fixed-rate mortgage could help you become a homeowner sooner than you think. Talk to us about loan amount, loan type, and type of property to ensure eligibility.

Start with your unique opportunity to earn a lower interest rate Being an informed buyer puts you in the best position possible. When you complete a homebuyer education course and your down payment is less than 10%, you can reduce your mortgage interest rate.

It’s important to know with a low down payment, mortgage insurance will be required which increases the cost of the loan and will increase your monthly payment. A home mortgage consultant will explain the options available, so you can choose what works for you.

Even if you’re not a first-time homebuyer, this program is available to you. So when you’re ready, let’s talk.

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Information is accurate as of date of printing and is subject to change without notice.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2015 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS2692879 Expires 12/2016

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THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016 / www.washingtoninformer.com

Can Healthy Habits Contribute to Financial Security?

(StatePoint) When it comes to feelings about finances, working Americans are practically split down the middle, according to a recent study.

Fifty-five percent of employed Americans feel they are on the right track to achieving financial well-being, while the other 45 percent feel they are not headed in the right direction, according to the 2016 Lincoln Financial Group Measuring Optimism, Outlook and Direction (M.O.O.D.) of America study.

So what are those individuals on the right track doing so well?

The study found five key factors -- behaviors and influencers -- in their lives that correlate to positive feelings about money.

“Right trackers” differ from their counterparts who are not on the right track because: • They are more likely to have created formal financial plans -more than 70 percent of them, in fact.

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• They are forward-looking in general, with nearly 100 percent saying they are focused on the future. Also, 90 percent of those in the “right track” camp say they feel in control of their lives.

• They exercise more. Those with positive feelings about money tend to be active. About 80 percent of this group exercises at least once a week, and typically more often. Compare that with those who are not on the right track -- just 60 percent of that segment works out on a consistent basis. Physical health can correlate to financial health.

• They’re more likely to feel good about themselves. Financial health and emotional health go hand-in-hand, too. Those on the right track are more likely than their counterparts to say they are optimistic because they feel good about themselves and their relationships with family and friends.

They’re also positive about their careers and their relationships

with coworkers.

• They take advantage of workplace benefits. Indeed, the more benefits you enroll in through the workplace, the better you will feel financially, suggests the study.

Beyond health insurance and retirement savings, “right-trackers” are enrolling in insurance plans to cover dental and vision care, as well as life insurance and disability insurance (which can help replace a portion of your paycheck while you recover from an injury or illness). They’re also taking advantage of other nonmedical benefits that can help boost financial security, such as accident insurance and critical illness insurance, which can help cover expenses that medical insurance does not, like high deductibles, or day-to-day expenses such as food or mortgage payments.

The future is unknown, but certain insurance coverages offered at work can help safeguard you against a broad scope of un-

Financial Group on Facebook, Twitter or LinkedIn. Feeling good about your finances is about the big picture, not just your bank account. From a healthy lifestyle to a positive attitude, taking a cue from those who are on the “right track” may help you get your footing on the path

October is Financial Planning Month: Easy Tips to Stick to a Budget

Looking to buy your first home?

(StatePoint) It can be easy to let your finances fall by the wayside when juggling work, family, school and other priorities.

October is Financial Planning Month and a perfect time to make sure you are prepared for the future. To help, the discount experts at Dollar General are offering some useful tips to assist you in staying on budget and avoiding financial stress.

Pack Your Own Lunch To help stick to your budget, skip pricey restaurants. Instead, save money and spend the evening cooking with your family. For affordable and simple ideas for cooking favorite dishes, consult resources like Dollar General Easy Meal recipes at dollargeneral.com/easymeals.

We’ll see you through.

As the area’s number-one community bank, we know mortgage lending like we know the neighborhoods of DC, Northern Virginia, and Suburban Maryland. And we’ll take the time to get to know you, so we can find the loan option that’s right for you. Give us a call—it’s a local number.

Remember to Treat Yourself Just because you’re sticking to a financial plan doesn’t mean you can’t treat yourself. Budget time and money to indulge in your favorite activities like a night at the movies, seeing your favorite sports team in action, or going bowling.

Take Advantage of Coupons Coupons are a great way to save money and stretch your budget. Retailers like Dollar General offer online digital coupons that can be downloaded on a desktop computer or by using a smartphone. You can sign up by visiting dollargeneral.com/coupons and can receive additional savings during seasonal “Fast Way to Save” promotions, where exclusive coupons are available only to Dollar General digital coupon subscribers.

Stay Positive Don’t get bogged down by the stress of financial planning. Instead, focus on positive steps you can take to achieve your goals. Spend more time with your family cooking. Work toward your next job promotion.

Ace your next exam.

Even if you’re busy, make the time for planning a budget. It may feel like work now, but feeling financially secure will offer you peace of mind.

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expected expenses, and can help you feel and be more financially secure. This is something to think about during annual open enrollment for medical insurance and beyond.

For more insights and tips to help you take control of your financial future, follow Lincoln

12/22/15 10:28 AM

www.washingtoninformer.com / THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016

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Claim Your Financial Power – Now

By Hermond Palmer President & CEO Palmer Solutions LLC What they say is true: Knowledge is power; but that power is useful only if we acquire it, nurture it and use it. We have all heard the adage, “If you give a man a fish, you feed him for a day; but if you teach him how to fish, you’ll feed him for a lifetime.” What if fish, in this case, was knowledge? Not just any knowledge, but knowledge about managing your money to make it work for you.

What if you made it your priority to acquire that knowledge, and share it with your children? Think how powerful that would be; how bright their futures could be. What if you shared this knowledge at the beginning of their careers when they could benefit from having it the most?

Many people get caught up with the idea of making a lot of money to achieve their financial goals.

While a high income is appealing, what you do with the money you earn matters the most. Consider the list of high-profile, high-income athletes and entertainers who were once multi-millionaires but because they didn’t know how to manage their millions, lost it all.

Folk in our community need to deliberately decide to act and take control of their and their children’s financial futures. Don’t allow yourself to be intimidated by what you don’t understand. Instead get excited by the prospect of learning something new – something that will empower you and yours for the rest of your lives. Surprise yourself with the confidence you will develop as you first learn to crawl, then walk, then run to wealth accumulation and financial independence. People do this every day. Why shouldn’t you?

Need inspiration? Consider Ms. Oseola McCarty – a minimum-wage earner from Hattiesburg, Mississippi who became the University of Southern Mississippi’s most famous benefactor. A career washerwoman who dropped out of school, she worked her trade until arthritis forced her to quit in 1994.

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To her credit Ms. McCarthy did not focus on what she didn’t have.

Instead she focused on what she did have – income. With that income she put together a plan that, when combined with discipline and commitment, enabled her to achieve her goals. Just like Ms. McCarty, you can achieve your financial goals.

Here are a couple of suggestions to help you get started: 1. Keep a daily spending log of all of your purchases for at least a month to track where you spend your money. This will help you to identify possible saving opportunities you can use for future investing.

2. From your spending log, separate your purchases into two categories: wants and needs. Wants are discretionary purchases you make that are not necessary for your survival. Needs are purchases you have to make in order to survive. Understand the difference and make better choices.

3. Read! Educate yourself by going online or to the library to read magazine articles on investing for beginners.

4. Commit to saving for retirement. Allocate at least 5 percent to 10 percent of your gross income to an option in your employer’s 401k plan. If you feel this is too much, at least commit an amount that is equal to the maximum your employer will match. Your employer’s match is an immediate return on your investment. If you do not have access to a 401k plan, select a qualified retirement option that is appropriate to your situation.

5. Whenever you receive a raise be sure to allocate at least 1 percent of that new money to your retirement account. People frequently complain they don’t have the money to save. However, in this scenario, you are dealing with new money you haven’t received previously; therefore, you shouldn’t miss it.

6. Set goals and track your results. As you see yourself making progress you will be more likely to remain committed to achieving your long-term goal.

I once heard it said that power isn’t something that’s given, it’s something you take. I’m asking you to put aside any fear you may have and claim your financial power now. FL

“A high income is appealing, what you do with the money you earn matters the most.”

Hermond Palmer is an experienced executive who has established himself as an out-of-the-box strategic thinker and whose innovative solutions deliver exceptional business results. He is a graduate of the Wharton Business School who has worked for such organizations as the Pepsi-Cola Company and American Express.

THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016 / www.washingtoninformer.com

Dealing with Financial Crisis

By Hermond Palmer President & CEO Palmer Solutions LLC So life is good! You have a good job, money in the bank, good health and every day seems like the lyrics to that song – “Summertime and the living is easy.”

But what happens when the season changes, and what was once easy is now difficult and seems impossible? You never want to invite tragedy into your life but what happens when it comes uninvited?

At some point, we are all likely to face financial crisis: an unexpected expense, a layoff, illness, or injury. To overcome such a crisis, you must be forward thinking and disciplined in managing your money. Therefore, an important part of any affective financial plan includes the preparation of contingency strategies for when things go awry.

One way to deal with a financial crisis is to take precautions to protect yourself and your loved ones before tragedy strikes.

SOME “TO-DOs” BEFORE A CRISIS

Establish a Budget: Live beneath your mean, and create several savings accounts for potential life-altering events: • Emergency Fund: Savings in case of a financial crisis, like losing a job, a debilitating illness, or a major expense.

• College Fund: Money set aside to help pay for college costs.

• Retirement Fund: People mistakenly believe they cannot afford to save for retire-

ment. The truth is you cannot afford not to save for retirement. Retirement cannot be financed – you can’t take out a loan to pay for it. When the time comes, you either have enough or you don’t. To avoid this dilemma save at least 5 percent to 10 percent of your gross income in a qualified retirement account.

Prepare with Insurance: Many financial crises are the result of an injury resulting in disability. A disability is an injury or illness that prevents one from working and earning an income. Everyone is at risk of injury, and as a result, is exposed to the risk of not being able to earn an income. If you became disabled – unable to work for two or three months – would you have enough savings to pay your living expenses?

Worse, what if the ultimate tragedy were to strike resulting in the death of the primary or secondary breadwinner of the household? How would the family maintain its standard of living? To guard against such mishaps, consider insurance policies as a baseline defense: • Health-care Insurance: Covers the cost of medical and surgical expenses.

• Short-term Disability: Helps protect the recipient’s income if the individual becomes disabled. These benefits replace a percentage of the recipient’s salary while out of work for a short period of time.

• Long-term Disability: Protects from loss of income in the event an individual is unable to work due to illness, injury, or accident for an extended period of time.

• Life Insurance: A sum of money paid to protect against financial loss due to the death of an insured.

Establish a War Council: That group of smart, rational, trustworthy friends who will keep you centered and focused on solving your issues, encourage you and uplift you with their presence, support and humor.

“TO-DO’S” DURING A CRISIS

• Take Action: Do not procrastinate, attack your prob-

lem. Be honest about what you are facing and create a plan that affectively confronts the challenge.

• A sk for Help: Remember your War Council? Now is the time to reach out to them to ask for help. If they can’t help maybe they know someone who can, but they can’t start if you don’t ask.

TAKE CARE OF YOURSELF:

• Eat Right: A poor diet can cause health issues. Why complicate a financial crisis with a potential health crisis?

Eat well-balanced, nutritious meals. A healthy body supports a healthy mind and both are critical when dealing with a financial crisis.

• Exercise Regularly: Relieve stress by getting your body in motion and elevating your heart rate. This has the potential to improve your energy level and mood. Other noteworthy benefits include increased relaxation, better

One way to deal with a

financial crisis is to take

precautions to protect

yourself and your loved

ones before tragedy strikes.

sleep and strong immune function.

• Get Rest: Rest helps your body repair and renew itself.

You always want to be in the best physical shape possible, especially when dealing with a crisis. Make sure you make your physical well-being a priority.

Taking control of a financial crisis requires preparation and discipline in managing your money. Approach managing your financial situation with your desired outcome in mind.

You will be able to better control your situation and it will empower you to weather any storm. FL Hermond Palmer is an experienced executive who has established himself as an out-of-thebox strategic thinker and whose innovative solutions deliver exceptional business results. He is a graduate of the Wharton Business School and has worked for such organizations as the Pepsi-Cola Company and American Express.

www.washingtoninformer.com / THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016

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Financial Crisis Planning Lessons Learned from the Great Recession

By Iris Cooper (www.justaskiris.com)

Why we must force our offspring to become financially literate.

“We have become 99 percent money mad. The method of living at home modestly and within our income, laying a little aside for the proverbial rainy day (which is due to come), can almost be listed among the lost arts.”

George Washington Carver

THE GREAT RECESSION

Eight years ago the world, as we knew it, began to crumble. Everything we knew to be enduring became fragile, weak and vulnerable. The economic conditions were atrocious, so lest we forget, please review the facts: • The nation lost over 7.5 million jobs, some due to closure or layoffs, and others due to offshore outsourcing. Reported unemployment reached 13.5 percent, as unreported joblessness swelled to over 20 percent in urban communities.

• The automobile and manufacturing industry came close to demise.

• Nonprofits, providing critical services to the needy, shut their doors when donations waned.

• Financial institutions collapsed when unethical and/or illegal investments (derivatives, mortgages, swaps, etc.) dissolved.

• Banks stopped lending to consumer and commercial borrowers and began to file liens or foreclose on for profit and non-

profit organizations, as well as churches.

• Personal retirement or education investments dwindled when the stock market plummeted.

• Home values tanked as a result of foreclosures and the depressed real estate industry. Terms like “negative equity” and “underwater mortgages” prevented creditworthy borrowers from refinancing for better terms.

• Completed foreclosures reached over 4 million from 20072011 with approximately 8.2 million initiated.

• Government bailouts salvaged the remains of “too big to fail” corporations.

• The price of commodities (oil, food) skyrocketed in the midst of a global economic downturn due to limited international trade.

• Consumer confidence in the economy and the government was undetectable in many communities.

• Communities suffered when businesses and other institutions closed, fostering crime and despair.

THE REACTION

We were ill-equipped for the rainy day in 2008 that escalated into the worst financial firestorm since the Great Depression. What were the lessons learned from this experience that we can pass along to our offspring? If only we had known about and applied basic financial concepts. If only we had recognized that the economy is a complicated, powerful puzzle and that the “trickle down” impact of

the Great Recession would leave the worst for the least.

Black people did what they had to do: moved in with relatives, filed bankruptcy, liquidated investment accounts, accepted government assistance, downsized, dropped out of school, rode bicycles and everyone prayed that the storm would soon be over. The economic model that we relied upon was broken; we worried but persevered.

“In 2009, for every dollar of wealth the average white household had, Black households only had two cents.”

Algernon Austin, Economic Policy Institute Program on Race, Ethnicity and the Economy

THE REMEDY

So, what should we do to prepare for the next economic calamity? History admonishes us that an economic crisis will happen again, perhaps not in the boomers’ lifetime, but certainly possible in the Generation X, Y, or the Millennials existence. What can we do to help them manage through a period of economic loss, regardless of the cause?

We can provide them with knowledge and financial survival skills. Financial literacy means understanding financial matters and business terminology. Financial literacy, taught before adulthood, can help our youth make sound decisions about their economic future. We, as elders, all too often shield our children from the financial struggles and juggles

IRIS COOPER’s career includes leadership positions in financial

services, economic development, community service, entrepreneurship, communication, government and education.

She is the owner of “JustAskIris!” – an entrepreneurial coaching firm. Iris is a founder of Glory Foods, Inc., a multi-million dollar food marketing company. Iris is recognized nationally as an expert in business strategy and branding, having coached many startups to sustainability. Her newest venture is Finish Your Gloryfied Business Plan Now! -- a workshop to foster entrepreneurial success. Iris is the former director of the Ohio Division of Entrepreneurship and Small Business, where she led the state from 29th worst place for small businesses in 2007 to the 9th best in the nation, and 1st in the Midwest in four years.

In 2015 Iris introduced the 2nd version of “When the Devil is Beating His Wife: A Christian Perspective on Domestic Violence and Recovery,” co-authored with Melanie Houston and available on Amazon and alabasterboxmedia.com. Iris is a featured writer and speaker on business topics and an adjunct professor at Franklin University.

She is an active member of Alpha Kappa Alpha Sorority, Inc., the National Coalition of 100 Black Women, the Indiana University Alumni Association and WELD. In 2016, she obtained her DBA from Walden University, majoring in entrepreneurship.

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we execute daily, leaving them to believe we are in solid financial shape. We don’t explain why we delay purchases, work second jobs, or borrow from others because we are don’t want them to worry or reveal our ignorance. Historically, our public education system didn’t include financial literacy, so we learned how to manage money the hard-knocks method; we borrowed from Peter to pay Paul, refinanced our homes for cash or to consolidate debt and liquidated retirement assets to survive when we lost our jobs. When we had cash, we purchased expensive cars and took lavish trips that we couldn’t afford. We survived but arose with 500 credit scores, requiring us to rebuild our credit profile if we wanted to return to the acquisition game. Some of us are still waiting for the storm to end.

Financial literacy should include a basic understanding of the following concepts: assets, liabilities and net worth; budgeting for effective cash flow; interest income and expense; annual percentage rate (APR); truth-in-lending statement; banking services; basic investments (stocks, bonds, IRAs); real estate terms (mortgage, equity, deed, etc.); loans and credit cards; credit reporting and credit scores; supply and demand; insurance and risk; estate planning, entrepreneurship and websites and resources for financial assistance.

In some states, like Ohio, the law requires that financial literacy

THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016 / www.washingtoninformer.com

be included in high school social study classes. However, curriculum for elementary and middle schools remains under review. The school’s financial literacy training can provide an introduction to money management but parents and grandparents must infuse reality into the above concepts. For example, having a part-time job or chores with an allowance helps to introduce the relationship between income and budgeting. Share the household budget with your preteen so they can understand why and how financial decisions are made. Review a credit report with them and decipher the data. Take them with you when you shop for a car or other assets so they can listen to the negotiation and discuss the outcome afterwards.

Encourage your high school and college students to take a business course as an elective or start a small business. Candid communication about money management, along with regular practice of critical thinking skills, are crucial for the financial security of our offspring and the ideal time to start those lessons is today.

“Give a man a fish and he will eat for a day. Teach him to fish and he will never go hungry.”

Chinese proverb NOTE: Regarding your estate, be certain your adult offspring have a copy of your will or trust, insurance policies and other financial information in preparation for another inevitable life event. FL

Know Your Consumer Rights Under the Fair Debt Collection Practices Act

By Charlene Crowell An old adage teaches that one man’s pain is another’s gain. That adage is a truism when it comes to the debt collection industry and the estimated 77 million people who have past-due debts.

For the near $14 billion debt collection industry, it really doesn’t matter whether the source of debts are from medical providers, student loans, credit cards or other financial services. Often, these pursuits include inaccurate or incomplete information, as well as debts beyond an applicable statutory limitation.

In recent years, the industry began cramming local court dockets to secure default judgments that would legally allow payroll checks, bank accounts and other financial assets to be accessed or seized. In many instances, affected consumers were unaware of legal proceedings until after garnishments or other punitive actions had been taken.

Consumers faced with these or other aggressive tactics need to know an important federal law

protects them from harassment and further, stipulates exactly what constitutes illegal practices. The Fair Debt Collection Practices Act (FDCPA), enacted in 1978, details the ‘rules of the road’ on collections.

In many ways, FDCPA functions as a ‘bill of rights’ for consumers dealing with debt collectors including how to dispute incomplete or inaccurate information. Another key consumer provision: penalties for those found to violate the law.

Among the specific protections FDCPA provides, debt collectors cannot: • Use ‘any false, deceptive, or misleading representation or means in connection with the collection of any debt; • Harass or threaten consumers with arrest; or • Contact consumers before 8:00 a.m. or after 9:00 p.m.

Earlier this year, the Urban Institute (UI), a DC-based nonprofit organization specializing in urban and social policy, analyzed data and recent studies related to delinquent debt that was not yet in collections.

It revealed disturbing debt collection patterns among Blacks and Latinos: 1. Black and Latino neighborhoods were more likely to have debt in collections and in greater dollar amounts than those affecting White populations; 2. Debt collection was more prevalent in areas with high unemployment, lower household incomes and lower educational achievement; and 3. Where higher rates of mortgage delinquency, underwater mortgage and foreclosure rates appeared.

Last year the Center for Responsible Lending (CRL) released a report on debt collection that recommended state reforms to supplement federal laws. At a minimum, CRL called for state protections to set standards for adequate information and documentation to collect a debt, and require documentation on it before obtaining a judgment against a consumer.

“The debt collection and debt buying practices highlighted in recent state and federal regulator actions demonstrate the harms individuals often face in the debt collection market,” said Lisa Stifler, Deputy Director of State Policy at CRL. “Every consumer should be free from abusive and harassing debt collection. Decisive actions at both the state and federal levels combined with aggressive enforcement will together hold debt collectors accountable for their wrongdoing.”

Also in 2015, the Federal Trade Commission (FTC) facilitated the first-ever coordinated debt collection initiative and involved federal, state and local officials. Named Operation Collection Protection, 70 partners brought 130 actions against illegal debt collection.

Additionally, in the same year the Consumer Financial Protection Bureau (CFPB) returned $360 million to consumers wronged by unlawful debt collection practices and collected over $79 million in fines.

“At the CFPB, we envision a debt collection market that is fair, transparent, and law-abiding,” noted Richard Cordray, Director of the Consumer Financial Protection Bureau.”

FL Charlene Crowell is the communications deputy director for the Center for Responsible Lending. She can be reached at Charlene.crowell@responsiblelending.org

www.washingtoninformer.com / THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016

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The Five Deadly Questions You Must Answer Before Starting a Business stances. Some firms suffer a fatal heart attack; the owner is liable for an accident on his site and assets are liquidated when the insurance company refuses to pay. Other firms shuffle along for several years, ignoring new technology and changing market conditions.

Customers quietly switch to the fancy, tech-savvy competitor and death by old age creeps in. Death from loneliness is particularly poignant; the owner is weary and wants to retire but nobody wants the business, including family members. The owner shuts down and the legacy vanishes into yesterday. However, when a business opens without the answers to the five questions below, the owner is a murderer. With reasonable answers to these queries, more firms might have a chance of survival.

By Iris Ann Cooper (www.justaskiris.com) Small businesses die daily, with most failing within the first five years, regardless of the circum-

1. Who is going to operate the business and do they have the skills to be an entrepreneur?

Entrepreneurs take risks in exchange for freedom to make their own decisions and chart their own course. Success depends on the

owner’s education and experience, commitment, human capital and vision. Education and experience provide problem-solving tools to mitigate the damages of an unexpected economic shift, or the entrance of a threatening competitor in the market. Social capital, or personal support network, can offer assistance when the owner is away, or provide an introduction to a prospect for a future business opportunity. Success requires a strong work ethic and a fight-towin attitude.

2. What kind of business and what is the business model?

A business model must reflect the strengths and weaknesses of the owner. Hairdressers thrive on creativity and customer service. A carryout offers a brief encounter at the cash register and requires an owner that can juggle many tasks at once. The business models are dissimilar; hairdressers make money from lengthy services and products from patrons that expect perfection, whereas carryout owners make profit on every item in the

store, with a goal of a quick transaction from a large bag of expensive goodies. Starting an enterprise requires long hours and hard labor; an owner with passion, resilience, knowledge and respect for the model enhances sustainability.

3. Why are you starting a business?

Desperation and innovation are opposites when starting a business.

If desperation appears from unemployment, the ideal entrepreneurial tool kit may not be available.

Self-employment is a reliable goto action when personal survival is the goal; a business plan is not necessary to paint houses in the spring and summer, or sell cookies on the weekends. If the goal is to open a restaurant to reap financial rewards from a popular family recipe, there will be a great deal of time and preparation needed before the ribbon cutting ceremony.

4. When will the business open?

What are the chances of survival during a recession, or when the

owner is still working full time?

What about seasonal risks when starting an enterprise? Timing is critical and seldom are the conditions perfect for launching a business. When the market is ripe, the owner may not have the resources to begin. A comprehensive business plan includes the path to financial stability, and identifies the resources, challenges and remedies before the launch. Starting before systems are created, social capital is on board, funding secured and marketing commences presents risks to the operation and the brand.

5. Where will you operate the business?

Certain kinds of home-based businesses require zoning approval.

If you operate online, few assets are needed except a desk, chair, utilities and a computer. Some businesses depend on foot traffic or ample parking. Other enterprises thrive next door to competitors. Each situation is different and analysis helps to pinpoint the ideal location, features and amenities. FL

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The more you understand how your money works, the more confident you’ll feel about your financial decisions. That’s why we created Better Money Habits® in partnership with Khan Academy—an independent, nonprofit organization with the mission of providing a free, world-class education for anyone anywhere.

Better Money Habits is a one-of-a-kind online approach to financial education that’s customizable and answers tough financial questions in practical ways.

Get the financial know-how you need at BetterMoneyHabits.com

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THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016 / www.washingtoninformer.com

Insurance Coverage for Your Autos LIABILITY COVERAGE

By Ron Wilson CPCU, CLU, CIC Insurance Learning and Marketing Consultant You’ve purchased a new vehicle and as the new car smell overwhelms you, the salesperson has to verify your insurance coverage. This represents one of your best opportunities to create a coverage plan designed to meet your specific needs.

Designed to reduce or eliminate the possibility of financial ruin (including the loss of future earnings) as a result of an auto accident caused by you.

Coverage is typically offered in combined or split limits of financial protection. A combined limit of coverage (e.g., a $300,000 limit) will afford you up to that dollar amount for bodily injury and property damage you cause to another party.

A split limit of coverage option (e.g. $100,000/ $300,000/ $50,000) will cap the amount of coverage by category divided on an individual, group and property damage. For example, with this limit of coverage the maximum amount available if you were to injure one person would be $100,000. If you injured more than one personal the maximum available limit would be $300,000. Should you have damaged another person’s car or other property,

you would have a maximum of $50,000 of liability coverage available to fix the damages.

PERSONAL INJURY PROTECTION

Often called “no-fault” insurance, this coverage provides medical, hospital, lost income and disability payments resulting from an auto accident, no matter who is at fault. Also applies if you are struck by a vehicle while traveling as a pedestrian.

MEDICAL COVERAGE

Provides protection for reasonably incurred medical, surgical and dental treatments.

Common types of expenses paid include, but are not limited to: ambulance services, drugs, nursing care, x-rays, prosthetics and funeral expenses.

UNINSURED/ UNDERINSURED MOTORIST COVERAGE

The Insurance Research Council estimates that 12.6 percent of U.S. drivers were operating their vehicles without liability coverage. Some states require a minimum amount of uninsured/underinsured motorist coverage. This amount of coverage is often insufficient to cover the losses which can be sustained in an automobile loss.

COLLISION COVERAGE

Provides coverage to repair and or replace your vehicle in the event you are responsible for crashing into a car or another object.

COMPREHENSIVE COVERAGE

Provides coverage to repair you vehicle for a loss that is caused by other than a collision loss. Potential comprehensive losses include but are not limited to: flood damage, fire loss, vandalism, falling objects and contact with a deer or other animal.

NEW CAR/AGREED VALUE COVERAGE

Coverage is designed to put you into a comparable new model, or pay you a pre-determined or “agreed amount” of coverage in the event of your vehicle’s total loss in an accident.

RENTAL REIMBURSEMENT

Homeownership is important.

We’re here to help first-time homebuyers navigate the mortgage process and make buying a home affordable, even if you have: • Little money for a downpayment • Little or “less-than-perfect” credit history • A recent job change To get started, call 1-888-253-0993 or visit mtb.com/mortgage.

Equal Housing Lender.

This is not a commitment to make a mortgage loan. Certain restrictions apply. Subject to credit and property approval. ©2016 M&T Bank. Member FDIC. NMLS# 381076

Coverage to rent another vehicle or arrange other temporary transportation as a result of an auto accident. Coverage is typically provided on a flat rate (e.g. $50 a day) for a limited period of time, or until your vehicle is repaired.

RENTAL CAR COVERAGE

Standard insurance companies provide limited coverage in the event you rent and damage a rental car. Typically, comprehensive and collision coverage damage to a rental car is covered as long as you purchased these coverages for your leased or owned vehicles.

Most auto policies do not cover the loss of revenue which can occur if a rental car company cannot rent a vehicle you damaged.

This gap can be covered in one of three ways:

1. Purchase this coverage option through your auto carrier.

2. Rent the vehicle with a credit card, which provides this service a benefit to card members.

3. Purchase the collision damage waiver coverage from the rental car company at the time of rental

TOWING COVERAGE AND ROADSIDE ASSISTANCE

Inexpensive coverage options offered by insurance carriers and automobile service companies such as AAA and most automobile manufactures.

Available to provide roadside assistance, such as jump starts, gasoline and towing coverage in the event of an automobile breakdown or accident.

INSURANCE COMPANY FINANCIAL STRENGTH

Your objectives for insurance should be to maximize your protection, at the best price, with a carrier who has the financial ability to pay claims.

You can review a carrier’s ability to pay claims by reviewing their financial strength as evaluated by independent financial rating firms such as A.M. Best, Fitch, Standard and Poor’s and Moody’s. Carrier ratings can be found on the referenced firms’ websites.

AUTOMOBILE INSURANCE PRICING

Here are several key factors which can determine your insurance premiums: • Driver age and experience • Accident and violation history • Driving usage (e.g. pleasure, commuting distance to work, or business usage) • Type of vehicle coverage limits • Deducible utilization (higher deducible, lower premium cost) • Student grades (better students have been shown to be better drivers) • Vehicle garaging/parking location • Credit history A small investment in protecting your family before being overcome by new car smell will allow your entire household to sleep better at night. FL

Washington Informer: 5.65” x 6.1”

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Providing Pathways to Financial Freedom in the District of Columbia

By Stephen C. Taylor Commissioner District of Columbia Department of Insurance, Securities and Banking As the chief financial services regulator of the District of Columbia, my primary responsibility is to make sure that residents have choices in financial services in the District, and that they are treated fairly by the companies and individuals that provide those services.

However, making sure financial services companies play by the rules is only half of my job – my agency is also focused on helping District residents make the best and most informed financial choices.

For fiscal year 2017, my agency, the District of Columbia Department of Insurance, Securities and Banking, known as “DISB,” has begun a series of initiatives focused on helping District residents and businesses become better stewards of their money, assets and financial future.

We are going to accomplish this in a number of ways including: one, supporting financial empowerment through access to banking services; second, facilitating access to capital for local businesses; and third, providing financial education for District residents.

SUPPORTING FINANCIAL EMPOWERMENT THROUGH ACCESS TO BANKING SERVICES

Thirty-six percent of the District’s population are either unbanked – that means they have no bank or credit union account – or underbanked, meaning they have an account, but it does not meet their needs and they still use alternative financial services, such as check cashing, money orders, payday loans, rent-to-own, or pawn shops.

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In the District, it is estimated that those without bank accounts spend roughly $800/year in check cashing and money order fees. That means many District residents and households are spending their hard earned money just to access it.

Through its Bank on DC program, DISB provides access to safe and affordable financial services products with low minimum balance requirements, and no or low-cost monthly fees. DISB will be in your community with more information about Bank on DC in the coming months. In the meantime, you can find out how to open a Bank on DC account at bankondc.org.

opening a checking account, money management).

• Serve as a co-host, with federal financial regulatory agencies and local non-profit organizations, to produce the ongoing Economic Inclusion series about economic issues affecting individuals, families, communities and businesses to produce strategies and recommendations to contribute significantly to a more inclusive, equitable District economy.

• Provide financial education appropriate to our senior population

with an emphasis on preventing elder financial abuse and fraud, as well as collaborate with the DC Elder Abuse Prevention Committee and its programs on reaching seniors, disabled and other vulnerable populations in fraud prevention meetings across the city.

LOOK FOR DISB IN YOUR COMMUNITY

Throughout fiscal year 2017, look for DISB in your commu-

nity where we will be bringing these resources to you through DISB’s Financial Services Clinics, Coffee & Capital events and Financial Fraud Prevention Presentations.

Check http://disb.dc.gov/ events for upcoming events or request us to come to your community at http://disb. dc.gov/service/request-speaker-disb FL

FACILITATING ACCESS TO CAPITAL FOR LOCAL BUSINESSES

Small businesses are the economic engine of the District. In fact, nine out of 10 employers in the District are small businesses.

However, access to capital is one of the biggest barriers to start-ups and growth for District entrepreneurs and small businesses.

To address this problem, DISB created the District of Columbia Business Capital Programs “DC BizCAP” which connects public and private sources of capital to local businesses by using innovative alternatives to commercial financing.

To date, DC BizCAP has provided $7 million in collateral support to leverage $17 million in loans by local financial institutions and $635,000 in matching investments to support the capital needs of local small businesses.

Small businesses and entrepreneurs are encouraged to join us on November 3 for DISB’s Coffee & Capital at the R.I.S.E. Demonstration Center. To learn more about DC BizCAP, visit disb.dc.gov/ smallbusinfo.

PROVIDING FINANCIAL EDUCATION FOR DISTRICT RESIDENTS

DISB will continue its financial education and public engagement programs to improve the financial fitness of District residents. DISB plans to continue the following activities: • Make presentations on financial fraud and prevention, savings, life and health insurance, investor protection, the District’s foreclosure mediation program, access to capital for District businesses, and basic financial education (e.g. savings,

YOU ARE INVITED

Join DISB to learn about how you can finance or expand your District small business.

On November 3, make plans to have your morning coffee with DISB while also hearing about innovative alternatives to financing for District entrepreneurs and small businesses.

WHEN: Thursday, November 3, 9:00 a.m. - 11:00 a.m.

WHERE: R.I.S.E. Demonstration Center 2730 Martin Luther King, Jr. Avenue, SE RSVP: For more information and to register, visit disb.dc.gov.

DISB’s Coffee & Capital is hosted by the District of Columbia Department of Insurance, Securities and Banking (DISB). Visit DISB online at disb.dc.gov.

THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016 / www.washingtoninformer.com

A Letter of Appreciation to All Who Decided to Open Accounts in Black Banks: This Might Prove to Be a Game-Changer

By Michael Grant President/CEO National Bankers Association

As president of the National Bankers Association, whose members include many of the Black-owned banks that re-

ceived and are still receiving an unprecedented level of support from all over America, I would like to extend heartfelt gratitude by simply saying: Thank you!

While efforts to get the Black community to utilize Black-owned banks is not new

(Black banks have served the community since Reconstruction), what has been happening over the last two months is nothing less than phenomenal. The outpouring of support, triggered by the clarion call of rapper Killer Mike and answered by such superstars as Usher, TI, Solange and others, caught the banks by surprise a very pleasant surprise.

Black people moving millions of dollars into Blackowned banks within such a short period of time might ultimately prove to be a game-changer! The catalyst for this mobilization of people and purses was born of frustration but the timing of this effort at self-empowerment could not have been more perfect.

After decades of celebrating the colossal achievements of the Civil Rights Movement, the thought leaders in Black communities across America are beginning to reach a consensus: Black America will never be able to enjoy the full privileges of first class citizenship in this country until it had secured the ultimate badge of liberty in America: financial freedom!

So many of the social ills that continue to plague large swaths of America’s Black communities can be summoned up in one phrase: financial dependence. High unemployment rates, underperforming businesses, crime, inadequate education and job training opportunities, low aim and an all-pervasive nihilism - especially among many Black youths - is defining far too many Black neighborhoods in our country.

Then along came this bank black movement. The idea of using one’s dollars to improve the overall condition of the community has been resurrected. And, to be sure, opening accounts in Black banks is a great first step. But what should follow?

Next, the Black bankers have a responsibility to teach banking 101 to the masses. You see, placing millions of dollars in the bank as deposits creates the need to support those accounts with

investment capital. It takes both core deposits as well as capital in order for the bank to increase lending which is where real economic development takes place. When banks’ capital ratios meet regulatory requirements, they have more capacity to provide home equity loans, small business loans, mortgage lending, personal lines of credit and so forth.

The bank is also the community institution that can leverage a million dollar investment eight or nine times.

The bank’s increased lending capacity is how we begin growing the collective wealth of the community. For example, the more home equity loans are used to create new businesses or to expand existing ones, the more jobs (and job training) these businesses can provide. It has been estimated that if the Black community would spend one-tenth of its disposable income with Black businesses, one million new jobs could be created. So much of our economic destiny is in our own hands!

Since statistics show that a qualified Black borrower has a higher probability of getting his or her loan approved at a Black bank, doing business with these banks - as a first choice - is a no brainer. The more we circulate our dollars within our own community, the more opportunities we create and the more wealth we can accumulate that can be transferred to future generations.

Contrary to the anticipated push back of the naysayers, the “bank Black” movement is not a boycott of other banks; it is simply an intelligent strategy at diversifying one’s dollars and investing in oneself.

The black banks are genuinely grateful for the trust that you, the consumers, have placed in them. Now, in order to sustain these new banking relationships, bankers and consumers must begin forging a new bond, born of mutual respect and a genuine desire to build what Dr. Martin Luther King, Jr. would call “The beloved community.”

Great days ahead! FL

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The Power of Entrepreneurship – An Alternative Route to Financial Literacy

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ability to understand how

how someone manages to

ways we can gain and use to create and build generational wealth – not just earning through regular employment. So, if you currently know how much you have in the bank, you are poor.

Therefore, by definition financial literacy education and empowerment should include entrepreneurship mindset exposure that could in the real sense of the word bring about knowing how money works because now you are involved in creating it. No one breaks the bondage of an economic vicious cycle without first understanding the multi facets of money language of which entrepreneurship is one.

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dren will embrace the concept, talk about money and hopefully engage in it to further enhance their financial literacy knowledge and the power to create and build wealth and in the process become socially financially responsible citizens.

The Power of Entrepreneurship as an alternative route to financial literacy is one way we can use to fight financial ignorance that leads to systemic mental and financial stress and poverty. The good news is that there is no one without a God-given gift. The question is how can we teach ourselves how to leverage it? Embracing an entrepreneurship mindset and doing something about it are

LIN

What is financial literacy? “Financial literacy is the ability to understand how money works in the world: how someone manages to earn or make it, how that person manages it, how he/ she invests it (turn it into more) and how that person donates it to help others.” – Wikipedia, the free encyclopedia. There is more to financial literacy than knowing how to balance your checkbook, count your money, pay yourself first, save a 6-month emergency fund, save for retirement, pay down your credit cards, refinance your mortgage, calculate taxation on your money, etc.

I would like to point out that for me the concept of financial literacy has evolved to include acquiring an entrepreneurship

ey works. It is virtually impossible to understand how money works without constructively engaging in the process. I believe that this is the main reason why black communities tend to flounder in this field.

This is partly the reason for WETATi Entrepreneurship Competition 2016-17 which was started by WETATi in partnership with the University of Maryland College Park, Prince George’s Community College Center for Entrepreneurial Development and Howard University. The goal of this competition is for the concept of entrepreneurship to become a daily and cool conversation so that very early on our chil-

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By Dr. Margaret Dureke Founder & CEO of WETATi Center for Creative Thinking Leadership & Entrepreneurship

mindset to gain financial power through engaging in entrepreneurial pursuits where one uses his or her talents and skills to build wealth. In turn, one’s financial knowledge is vastly enhanced where the basic principles of financial literacy no longer sound foreign to a whole generation. I personally knew nothing about financial literacy until I became an entrepreneur thereby forcing me to understand it, and I am still a student of the concept.

Nowadays, financial literacy has become a loose word where people just use it offhandedly and it has come to sound cliché when it really means a lot and can have dire consequences to those who don’t understand it and don’t realize that it can mean life and death to one’s financial future.

I believe that one way to ameliorate this problem is to encourage next generation students and millennials who are largely drowning in debt to begin to examine the pros and cons of becoming an entrepreneur. Times are changing and our children are graduating in record numbers often with no job prospects. I am a firm believer that the majority of people, if guided, can successfully start small businesses which in turn will give them financial literacy by engagement, help them leverage, and more importantly cause them to begin to understand how mon-

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THE WASHINGTON INFORMER FINANCIAL LITERACY SUPPLEMENT – OCTOBER 2016 / www.washingtoninformer.com

info@wetati.com

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She’s reviewing her budget. And smiling.

What a difference Hands on Banking® can make.

From setting aside savings for a rainy day to putting away money for a vacation in the sun, a budget can help you discover opportunities to save and help your money grow. The interactive Hands on Banking program offers tools to help you better manage your money and take the steps toward reaching your financial goals. Learn more about managing your finances at handsonbanking.org.

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OPINIONS/EDITORIALS

EDITORIAL

New Law Changes Education Landscape Equitable access to a quality education, beginning with pre-school and continuing on to high school graduation, college or a career readiness program that opens doors to employment in a global economy, is the hope most parents, teachers, school administrators, civic and business leaders share.

Yet, closing the achievement gap and ensuring the educational success for every child, regardless of their race, economic status, learning needs, or their permanent or temporary zip code, is a right that remains elusive for children of color, particularly those who are poor and have special needs.

This newspaper, and others, have published stories about the academic successes of students in communities all across the U.S., but too often these success stories are viewed as an exception to the rule and not the reality of the many disadvantaged students, particularly African-American students, who attend far too many low-performing schools in the communities we serve.

Our coverage of No Child Left Behind often included opinions of those who believed that too many children were, in fact, being left behind by the program that lacked adequate funding while requiring states to achieve standards that in reality hurt rather than helped struggling students.

The Every Student Succeeds Act (ESSA) is a new initiative that received bipartisan congressional support and the nod of President Obama who signed the bill into law a year ago in December 2015.

In addition to providing all children access to high quality preschool, ESSA also absolves federal intervention in local school policies and empowers “state and local decision-makers to develop their own strong school systems.” The law also reduces the overwhelming burden of testing and refocuses efforts on real learning.

We are encouraged by this new initiative. We believe it allows every public education stakeholder the chance to push the reset button and to begin anew. It will ensure the success of students by helping them to reach their highest potential from Pre-K to Grade 12. Success has begun; it must be continued. WI

America Wrong to Ignore Haiti’s Plight The impact of Hurricane Matthew continues to be felt in the U.S., particularly in North Carolina where lingering floodwaters have resulted in the deaths of dozens of citizens. But in the beleaguered island nation of Haiti, the devastation is overwhelming.

Haitian officials continue to report more deaths – upwards of 800 and still counting.

And while countries like Mexico have allegedly been helping Haitians reach the borders of the U.S., our efforts have seemed to be lukewarm at best.

In many ways, Haiti has remained the stepchild of the Western Hemisphere since the waning days of the French Revolution when slaves and free people of color revolted, defeating Napoleon Bonaparte’s army under the leadership of Toussaint Louverture and later, Jean-Jacques Dessalines.

Centuries later, they still endure the wrath of Western superpowers, it seems, ignored for the most part until situations reach a critical stage. Cholera, earthquakes and hurricanes continue to plague the island’s people, where staying alive one more day is the only victory worth claiming.

Haiti, the “poorest nation in the Western Hemisphere,” needs our help. And we could do better. A lot better. But from what we can see, they are still a pawn, played by richer nations, like the U.S., for our own personal gain. Meanwhile, hundreds of thousands of men, women and children live in squalor, without adequate food, healthcare or educational opportunities.

Aren’t we called to be “our brothers’ keepers?”

WI WWW.WASHINGTONINFORMER.COM

TO THE EDITOR Museum Articles Great Readers Want to See More Local, Positive But Many Frustrated Reports

By Ticket Shortage Help! I’ve read all of the articles in your paper about the new African-American Museum in Washington, DC, but I need help in trying to get tickets for my Scout troop. I would like to bring them to Washington to visit the new museum but I can’t seem to get tickets. What can I do? Can you do a story about situations like mine so that others who would like to visit the museum will know how to secure tickets?

Thanks in advance.

Kenneth Long Richmond, VA

Readers' Mailbox The Washington Informer welcomes letters to the editor about articles we publish or issues affecting the community. Write to: lsaxton@ washingtoninformer.com or send to: 3117 Martin Luther King Jr Ave., SE, Washington, D.C. 20032. Please note that we are unable to publish letters that do not include a full name, address and phone number.

We look forward to hearing from you.

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I have been a loyal reader of The Washington Informer for the past 40 years. I have witnessed the growth and transformation of your paper into a major media resource for the Washington DC area. I understand the times we are living in are very serious and our community needs to be kept up to date on all of the news from around the country and even the world, but that is where I am having a problem with The Informer these days. It used to be that I would read your paper and get the positive news about our community that other news outlets would not cover. Now it seems that you are covering some of the same stories that they are covering, although you do give different perspectives of the same events. I just wanted you to know that there are still some of us out here who want to read about those events and stories in the community that are positive and that are left untold by other news outlets.

Maggie Williams Washington, DC

OCTOBER 13 - 19, 2016 25

OPINIONS/EDITORIALS Guest Columnist

By Rev. Jesse Jackson Sr.

We the People Must Set the Political Agenda Sexual boasting, emails, tax returns, deplorables — the second presidential debate Sunday featured insults wrapped up in put-downs. This debate was held within miles of Ferguson, Mo., but it was never mentioned. The citizens who offered questions asked about issues — health care, the Supreme Court, energy. The moderators peddled scandals — and elicited insults.

Some things are clear. Donald Trump has no clue how insulting he is when he makes his brazen appeal to black and Latino voters, promising to "do things that haven't been done, including fixing and making our inner cities better for the African-American citizens that are so great, and for the Latinos, Hispanics, and I look forward to doing it."

That's great, but Trump has offered no plan to accomplish this. He asks us only to trust him. But someone who has

Guest Columnist

fanned the flames of racial resentment in his campaign, trashed Mexicans and Muslims and insulted women is not exactly a person to gain a lot of trust.

Clinton promises to be the president of all of America.

And she offers real plans. She would raise the minimum wage and make college tuition free for all but the rich. She calls for a major plan to rebuild America, investing in infrastructure and schools and water systems.

That will put people to work

in good jobs and make our cities better. And she's embraced Rep. James Clyburn's 10-20-30 pledge to invest 10 percent of federal contracting in communities comprising 20 percent of the nation's population that have been below the poverty line for 30 years. That would help both white, rural communities and urban ghettos and barrios. Clinton isn't just saying trust me; she's laying out plans that could make a difference.

But what the debate made

clear is how important it is for the people to set the agenda after the election. Voting is vital but not sufficient. What we do can change the national agenda and force action.

When Dwight D. Eisenhower was elected president, he did not have any thought about using federal troops to desegregate schools in Little Rock.

The movement forced that on his agenda. John F. Kennedy had no commitment to end-

JACKSON Page 45

By Patricia A. Maryland

Diversity in Health Care Better for Our Communities Diversity is good for communities, companies and our nation. A plurality of viewpoints, experiences and beliefs has the potential to foster both understanding and innovation. And in the health care field, the need for diversity is evident every day.

Providers in the U.S. serve people from all walks of life, and each patient's personal background plays a signifi-

cant factor in the way care is delivered.

There's no such thing as a one-size-fits-all approach to keeping people healthy. That's why it is critical for health care organizations to have leaders who reflect the diverse populations they treat, and who understand that different communities can have different health needs — leaders who know, for example, that breast cancer tends to appear in black women at a younger age, and in more advanced forms, than

Guest Columnist

in other racial and ethnic groups; and who are committed to eliminating disparities when it comes to prevention, detection and treatment of this disease.

We need leaders who understand the foundation of person-centered care is trust, and who are acutely aware of the need to broker trust in African-American communities where, historically, the health care system has been underutilized for a number of reasons.

Unfortunately, the reality today is both women and minorities are underrepresented in health care leadership positions. While almost 80 percent of health care workers are women, they accounted for just 43 percent of hospital executives in 2014. Last year, a mere 11 percent of executive leadership positions at U.S. hospitals were held by members of minority groups, and in a 2015 survey of health care executives, less than 20 percent of respondents said that minority executives

were well represented in management teams.

There are myriad reasons for the shortage of women and minority leaders in health care, but one glaring challenge is the lack of a strong talent pipeline. Simply put, women and minorities continue to be significantly underrepresented in the business and clinical areas from which health care organizations usually draw their executives. African-Americans, for

MARYLAND Page 45

By Charlene Crowell

CBC Members Join House Colleagues in Call for Strong Payday Rule Within days of the Oct. 7 deadline for public comment on the Consumer Financial Protection Bureau's proposed payday rule, 104 members of Congress from 32 states, the District of Columbia and the Virgin Islands together called for strong consumer protections and an end to both regulatory loopholes and predatory debt traps.

Joining the effort were 31

26 OCTOBER 13 - 19, 2016

of the current 43 House members of the Congressional Black Caucus, including its chair, Rep. G. K. Butterfield of North Carolina. The Tar Heel State enacted strong laws years ago to end predatory payday loans. Additionally, many of these CBC members come from states that have failed to enact meaningful payday reform, including Alabama, California, Michigan, Missouri and Texas.

Led by California Rep. Maxine Waters, the ranking

member of the House Financial Services Committee, their joint Sept. 28 letter to CFPB Director Richard Cordray was as direct as it was timely.

"For years, some small-dollar lenders — offering products such as payday loans, deposit advances, vehicle title loans and high-cost installment loans — have extracted billions of dollars in abusive fees and high interest rates from the very consumers and communities who can afford it the least," the representatives wrote. "The

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result has left millions of consumers trapped in an endless cycle of debt. … The CFPB's final rule must close every loophole that is shown to harm consumers."

Citing earlier CFPB research on other small-dollar loans such as car-title, the Congress members noted that 14 states and the District of Columbia have already enacted interest rate caps of 36 percent. In their collective view, federal regulation should complement these state protections.

"Though we applaud the CFPB for taking the necessary first steps to address predatory practices in the small-dollar credit market," the members wrote.

"We urge you to adopt a final rule with additional protections that will ensure responsible lending. Only a comprehensive federal framework, free of harmful loopholes, can supplement existing state protections and help stop consumers

CROWELL Page 45

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OPINIONS/EDITORIALS Guest Columnist

By Marian Wright Edelman

Do Your Part — March to the Polls and Vote "I was beaten, left bloody [and] unconscious so that every person could register and vote. Do your part." — Rep. John Lewis (D-Georgia) "In the past, apathy was a moral failure. Today, it is a form of moral and political suicide." — Martin Luther King Jr. (1958) If Dr. Martin Luther King Jr. were alive today, I am certain he would be urgently saying it is a

moral imperative for each one of us to register and vote in our local, state, and national elections this year — and every year.

Shortly after Congressman John Lewis spoke movingly at the opening of the National Museum of African American History and Culture, he was asked on a radio show if he thought this was the time to organize another march on Washington. Without missing a beat, he replied, "I think the best march that we can have right now in America is on Election Day, No-

Guest Columnist

vember the eighth, for all of us all over America — black and white, Latino, Native American, young people — to march to the polls.

The vote is precious. It's almost sacred. It is the most powerful nonviolent tool we have in a democratic society."

On March 7, 1965, when John Lewis was 25 years old, he and Rev. Hosea Williams were leading 600 other people in a nonviolent march from Selma, Alabama, to the state capitol in Montgomery to demand voting rights for black Alabama

citizens. They and others were brutally attacked by lawless Alabama state and local law enforcement officials at the Edmund Pettus Bridge. Lewis's skull was fractured and dozens of marchers had to be treated at the hospital. The televised images of "Bloody Sunday" and the savage beatings shocked the nation. While the massive television coverage of this brutality was new for many white Americans, for African-Americans the attacks were just one more episode in a very long history of hostile Jim Crow re-

sistance to their struggle to exercise their constitutional right to vote.

It's a history that 94-year-old distinguished Sixth Circuit Judge Damon Keith knows all too well.

In September, he wrote a scathing dissent after two judicial colleagues upheld legislation allowing the state of Ohio to roll back voting rights.

Keith, a former civil rights lawyer and Howard Law School student of professor and future U.S.

EDELMAN Page 46

By Julianne Malveaux

The White House Not Worth GOP Dancing with Devil House Speaker Paul Ryan (R-Wis.) is anticipating a Trump win in November. Or, at least, he is preparing for it. He says that if Republicans hold sway in the White House, the House and the Senate, he plans to use budget reconciliation to repeal the Patient Protection and Affordable Care Act, also known as Obamacare, and give tax cuts to the wealthy. Ryan says he will not even attempt any bipartisanship, as he shoves his regressive agenda

down the throats of our people.

Instead, he says that he can make it work, especially if he has a Trump White House.

This is, perhaps, why Republicans who appear to have at least a little bit of good sense are going for Trump's nonsense. They know that Mr. Trump, with his head in the cloud and his rhetoric in the gutter, will let them get away with anything they want. He will agree to their tax cuts, because they coincide with his agenda to reward the wealthy.

Trump will go along with cuts to Obamacare, because he wasn't

Askia-At-Large

loving it in the first place. He will let conservative Republicans hold sway, especially if they reward him with their votes in November.

Paul Ryan calls his plan a "Better Way" policy agenda. It is an aggressive move that assumes that Republicans will control both the House and the Senate. They might not — if people vote, and vote down-ballot, there is a real chance that Democrats can control the Senate. The House is a much bigger challenge, and it is likely that Republicans will continue to hold sway in the House.

But there are too many folks who say they won't vote, and their votes could make a real difference. In Ohio, Wisconsin, Michigan and Florida (among other states), those who choose to refrain from voting are really voting for a Trump-Ryan agenda.

The attack on Obamacare is especially problematic. While the President's Affordable Care Act is clearly flawed, it expanded health insurance for more than 20 million people. It isn't the desired single-payer care, but it provides opportunity and takes the first step in expanding the social con-

tract since the Roosevelt years.

The Affordable Care Act (ACA) can be used as a foundation to expand health insurance coverage and, in my mind, get us closer to the ultimate goal of a single-payer system. But legislators rejected the single-payer plan that late Sen. Edward Kennedy proposed for decades. The Affordable Care Act is a compromise. We need to move forward in improving the ACA, not backward in repealing it. Trump and Ryan would restrict access to health care instead of ex-

MALVEAUX Page 46

By Askia Muhammad

Is Latest Trump Meltdown the Death Knell?

On every visible level this week, casino operator Donald J. Trump looks less and less like he will be elected the 45th president of the United States.

That's a relief because he is truly unfit for any public trust, least of all the presidency. For example, the expletives Trump himself was recorded saying in the infamous "Access Hollywood" tape would violate the FCC broadcast rules for indecency on every radio or TV station in the country.

Trump is one of the least quali-

fied persons to ever seek the presidency, and he is probably the raunchiest candidate, maybe ever.

In the latest debate, his answers were shallow and never consistent with the question, simply an opportunity for him to engage in his debate default mode of mudslinging. His favorite campaign talking points: "repeal Obamacare," "law and order" and the Muslim "problem."

And of course, there is his visceral hatred for and shrill attacks on his opponent Hillary Clinton and her husband, former President Bill Clinton.

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Trump never listened to Clinton's responses, instead continually fidgeting, pacing the stage, scowling and standing behind Clinton as if he was stalking her.

Trump didn't appear to care what anyone except his hardcore supporters thought of his comments. He even so much as conceded that he avoided paying millions of dollars in federal taxes. The Trump-istas don't mind.

That constituency is angry white people who feel they have been left behind by time and by progress and especially by their government — forgotten in a

"politically correct" society with its "affirmative action" and other set-asides which they feel enabled everybody in America to make progress except for them — white folks.

Historically, every time blacks and other non-whites have made social and political gains in this country, frustrated white folks take out their anger with backlash against those they fear are rising faster than they.

Then here comes the election of a black president who served scandal-free for eight years, white people were quietly losing it, and

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then The Donald came along and they could vent, and hope that black folks would quietly and voluntarily watch American life return to the post-WWII halcyon days of unchallenged white male privilege and quiet acquiescence by every other group.

Throughout the debate, Trump behaved like a schoolyard bully.

He taunted Clinton, frequently interrupting her, wagging his finger at her, telling her if he was president she "would be in jail," he called her a "liar" and, at one

ASKIA Page 46 OCTOBER 13 - 19, 2016 27

LIFESTYLE Jacob Lawrence's Migration Series on Display at the Phillips Collection Kin Series Also Featured Until Jan. 8

By Sarafina Wright WI Staff Writer This fall Jacob Lawrence's Migration Series and Whitfield Lovell's Kin Series serves as a powerful visual epic in documenting African-American life in the 20th century.

The Phillips Collection museum in northwest D.C. showcases the artists series along with special programming beginning Saturday, Oct. 8 and running through Jan. 8.

"Since the time Duncan Phil-

lips first acquired the odd-numbered panels of Lawrence's series in 1942, The Migration Series has remained a cornerstone of our permanent collection and a force in our educational work with international communities," said Dorothy Kosinski, director of the Phillips Collection.

"While Jacob Lawrence's masterpiece was created more than 70 years ago, it continues to resound powerfully with the global plight of migrants today.

I look forward to the Phillips

5Jacob Lawrence, The Migration Series: Migrants left. They did not feel safe. It was

not wise to be found on the streets late at night. They were arrested on the slightest provocation., 1940–41. Casein tempera on hardboard, 12 x 18 in. The Museum of Modern Art, New York. Gift of Mrs. David M. Levy © The Jacob and Gwendolyn Knight Lawrence Foundation, Seattle / Artists Rights Society (ARS), New York

28 OCTOBER 13 - 19, 2016

5Jacob Lawrence, The Migration Series:

During World War I there was a great migration north by southern African Americans., 1940–41. Casein tempera on hardboard, 12 x 18 in. The Phillips Collection, Washington, DC, Acquired 1942 © The Jacob and Gwendolyn Lawrence Foundation, Seattle / Artists Rights Society (ARS), New York

continuing its leadership role in using The Migration Series to stimulate dialogue and reflection on global challenges in the 21st century."

The collection (1940-1941) records the historic mass exodus of more than a million African-Americans from the rural South to the urban North following the outbreak of World War I. The Great Migration, fueled by wartime labor shortages in the North and oppressive conditions in the South, resulted in the largest population shift of African Americans changing the landscape of America.

Lawrence, born to southern migrants in Atlantic City, New Jersey, in 1917, moved with his mother and sister to Harlem in 1930. Through his participation in community art workshops, he discovered his love for painting, which was heavily influenced by cultural icons of the Harlem Renaissance era.

In 1940, he received a grant from the Julius Rosenwald Fund to create a 60-panel epic, "The Migration of the Negro," which catapulted him to national fame at 23 years old.

Of the 60 panels that are on display, 30 are owned by the Phillips Collection and the other 30 are on loan from the Museum of Modern Art in New York City.

The Phillips has put together special programs and community events to go along with the

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historic exhibit, such as an interactive website that includes never-before-published video interviews of Lawrence.

While the exhibition is on view, plays commissioned by the Phillips and inspired by the Migration series will be debuted and read on Thursday, October 20. This will include five 10-minute plays written by local playwrights Norman Allen, Tearrance Chisolm, Annalisa Dias, Jacqueline E. Lawton and Laura Shamas.

On Thursday, Nov. 17, the museum will host a poetry reading starring poets Tyehimba Jess and Robin Coste Lewis, who will perform work directly inspired by and written in response to the series.

On Friday, Dec. 2, the University of Maryland will host at The Clarice Smith Performing Arts Center a special performance of Derek Bermel's musical score Migration Series.

"In panel 60 of The Migration Series, Lawrence leaves us with the message, 'And the migrants kept coming,'" said curator Elsa Smithgall. "During a time when record numbers of migrants are uprooting themselves in the search of a better life, Lawrence's timeless tale and its universal themes of struggle and freedom continue to strike a chord not only in our American experience but also in the international experience of migration around the world."

WHITFIELD LOVELL'S KIN SERIES AND RELATED WORKS

Contemporary artist Whitfield Lovell explores spiritual and communal ties amongst Black people in America with his highly acclaimed Kin Series.

On display along with Lawrence's Migration series until Jan. 8, the 40 works exhibit provides an in-depth study of identity, memory and America's collective past.

"Whitfield Lovell is extraordinarily gifted at shedding light on the the reverberations of the past in our present lives," Kosinski said. "I am thrilled that the Phillips has the opportunity to share a remarkable collection of works from this talented artist. Lovell mines the extraordinary human experience to reveal the common bonds that transcend racial, gender, cultural or religious difference."

Whitfield, born and raised in the Bronx borough of New York City, started work on his Kin Series in 2008 to serve as powerful eulogies to the lives of everyday African-Americans from the time of Emancipation to the civil rights period.

In his work, he combines freely-drawn Conte crayon faces inspired by ID photos, passports or mugshots with vernacular timeworn objects such as a brooch, clock, shoe or mirror.

In his words, the series allows the viewer to contemplate the "markings that the past has made — and continues to make — on who we are." WI

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LIFESTYLE

Penguins Victory Bookends Barack Obama’s Presidency Stanley Cup Winners Honored at White House

Debbie Allen’s

FREEZE FRAME… Stop the Madness

5Obama joked that the last time the Penguins were in the White House after winning the Stanley Cup, his hair color matched the puck more than the ice. / Photo by Cheriss May, Howard University News Service

By Courtney Davis Howard University News Service With chants of “Let’s go Pens” and a Pittsburgh Steelers towel waving in the air of the White House East Room, President Barack Obama recently honored the Pittsburgh Penguins for winning the 2016 Stanley Cup, professional ice hockey’s ultimate prize.

Obama said he was proud to be the first president to welcome eight consecutive American Stanley Cup-winning teams to the White House.

“This is a nice bookend to my presidency,” he said.

The Pittsburgh Penguins were honored in 2009 for their third Stanley Cup win by Obama during his first year as president.

“A lot has changed since then,” he said. “Back in 2009, my hair matched the color of the puck more than the ice.

Sid the Kid was actually a kid and Geno was still snapping pictures with his flip phone,” Obama said.

Obama praised the team for raising awareness about concussions for young athletes and

“Back in 2009, my hair matched the color of the puck more than the ice. Sid the Kid was actually a kid and Geno was still snapping pictures with his flip phone.”

PRESIDENT BARACK OBAMA /

for its charitable work in Pittsburgh.

The team has taken the cup to smiling children at Children’s Hospital of Pittsburgh and some of the players, including defenseman Brian Dumoulin, shared the trophy with

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patients and their families.

Obama acknowledged the Pittsburgh Penguin Foundation’s “Project PowerPlay” – an initiative to get children to exercise while building more public hockey spaces around the city.

He also thanked the team for being leaders in the Green Sports Alliance, a non-profit organization that teaches leagues to embrace renewable energy, water efficiency, recycling, safer chemicals and other environmentally preferable practices.

“You guys are champions because you’re persistent, because of your teamwork and the faith you have in each other,” he said.

“You set a great example for the city. Keep up the great work on and off the ice.”

Penguins Coach Mike Sullivan said he was honored to be a guest in the White House.

“You don’t wake up many days and have the opportunity to interact with the president of the United States,” Sullivan said. “For our players to get recognized today by the president of the United States in this formal setting is a real fulfilling experience.”

WI

“Sharp, sassy, with attitude and verve” —The Guardian

This profoundly relevant theatrical narrative fuses movement, music, art, and cinema to explore violence and race relations with honesty and poignancy in a captivating new production with the power to stun, inspire, awaken, and ultimately create change.

October 27–30 | Eisenhower Theater Following the evening performance on Oct. 29, Whoopi Goldberg hosts a free* post-performance panel discussion, “Power of the Arts to Be Transformative,” that includes Nicole Hockley from Sandy Hook Promise, filmmaker Lee Daniels, actress Phylicia Rashad, professor Michael Eric Dyson, and Kayla Hicks, the Director of African-American & Community Outreach with the Educational Fund to Stop Gun Violence. *Oct. 29 eve. ticketholders only

Presented in association with

TICKETS ON SALE NOW! (202) 467-4600 KENNEDY-CENTER.ORG Tickets also available at the Box Office. Groups (202) 416-8400 For all other ticket-related customer service inquiries, call the Advance Sales Box Office at (202) 416-8540

CAN’T GET ENOUGH WI NEWS? VISIT OUR WEBSITE FOR EVEN MORE INFO ON OUR COMMUNITY! WWW.WASHINGTONINFORMER.COM

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OCTOBER 13 - 19, 2016 29

LIFESTYLE

DNC Partners with NNPA to Reach More Black Voters NNPA Staff Report

5Donna Brazile, the interim chairwoman of the DNC, said that minority

voters will play a critical role in the success of Democrats in November. This photo was taken during a 2014 press conference at Democratic National Committee headquarters in Washington, D.C. / Photo Freddie Allen/AMG/NNPA)

30 OCTOBER 13 - 19, 2016

WASHINGTON, D.C. — On Thursday, October 6, the National Newspaper Publishers Association [NNPA], the nation’s largest trade association of African American-owned newspapers and media companies, announced that the Democratic National Committee [DNC] has planned a national advertising campaign with the trade group to reach Black voters.

“This is our first national ad buy, this year, with one of the two major political parties,” stated Dr. Benjamin F. Chavis, Jr., the president and

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CEO of the NNPA. “With all of the talk about how important the Black vote is in 2016, it is significant that it was the DNC that made the strategic decision to buy print ads with the NNPA.” “It was a wise, respectful and timely decision, and will unquestionably help to raise public awareness in the Black community about the importance of voting in 2016,” he said.

In an earlier statement, Donna Brazile, the interim chairwoman of the DNC, said that minority voters will play a critical role in the success of Democrats this November.

“The future of the country is at stake,” Brazile said. “We know how critical it is to reach voters where they are, and the DNC is determined to remind voters that the best way to protect the tremendous progress we’ve made, under President Obama’s leadership, is

to elect Democrats across the country from the courthouse to the White House.”

The DNC’s half page ad titled, “Protect Our Legacy,” includes the text: “The next president will either build on Barack Obama’s legacy or tear it apart. On November 8th, vote for Democrats so we can keep this country moving forward.”

Known as the “Voice of Black America,” the National Newspaper Publishers Association [NNPA] represents 211 African American-owned newspapers operating in 33 states. NNPA member newspapers reach 20.2 million readers per week with national offices located in Washington, DC. Learn more about the NNPA at www.NNPA.org and follow the group on Facebook, Twitter and Instagram @BlackPressUSA. WI

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LIFESTYLE ANTHONY HAMILTON'S "WHAT I'M FEELING TOUR" held at Constitution Hall on Saturday, Oct. 8, served

as a marvelous way to spend a Saturday evening. The Grammy Award-winning R&B singer-songwriter, and record producer singing everyone's favorites, sharing the highs and lows of his life's emotions.

Lalah Hathaway shows why her musical gift is always relevant with a range in sound that only the voice of the daughter of the great Donny Hathaway could master and bring audiences to their feet. The show opener, Eric Benet, meets fans after his performance (bottom). / Photos by Shevry Lassiter

Chefs Signature

Auction

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An evening of culinary excellence

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Honorary Chef Victor Albisu Del Campo & Taco Bamba

Cocktail Chair Jo-Jo Valenzuela Absolut Elyx

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C .H o t e l No v e mbe r2 ,2 0 1 6-6 : 30p. m.

Signature Chefs is one of D.C.'s premier social events highlighting the city's culinary masters brought together for an elegant evening of wine, cocktails and dining. You or your company can join approximately 400 afuent society members and business professionals as they support our mission while enjoying over 40 of the area's celebrated chefs, mixologists, bartenders and vintners. The evening will also include auctions with unique dining, entertainment, travel and leisure packages. Thank you to our media partners: DC Magazine, The Umbrella Syndicate, The Washington Diplomat, and The Washington Informer.

s ignat ure c h e fs . o rg/ was h ingt o ndc

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OCTOBER 13 - 19, 2016 31

LIFESTYLE Egypt, Your Trip of a Lifetime!

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32 OCTOBER 13 - 19, 2016

Blacks Donate Family Heirlooms

to New African-American Museum

By Taj Brayboy Howard University News Service African Americans gave hundreds of millions of dollars so the new Smithsonian National Museum of African American History and Culture could open.

In addition to their financial support, Black families and institutions donated numerous artifacts. Some were preserved in other collections across the country, while some were tucked away in families’ homes.

The gifts and loans include signage from the Nation of Islam headquarters in Chicago, jazz pioneer Louis Armstrong’s trumpet, a dress made by civil rights icon Rosa Parks and the leotard gold medal-winner Gabby Douglas wore in the 2012 Olympics.

Howard University in Washington was one of the academic contributors. The university’s Moorland-Spingarn Research Center loaned over $70,000 in items belonging to entertainer Paul Robeson and anti-slavery activist Charlotte Grimke.

One of Grimke’s many dairies can be seen at the new museum.

Her writings chronicled her daily life – a free Black woman living in the North in the 1850s prior to the Civil War. Dr. Kenvi Phillips, an assistant curator of for Moorland-Spingarn, said Grimke was important in telling the story of African Americans during that period.

“Grimke’s observations and musings on the realities and social injustices facing African-Americans are considered a cornerstone in history,” Phillips said. “She made clear the moral imperative that Blacks deserve equality.

“She’s giving a first-hand account as someone who experienced it,” Phillips said.

The university loaned Robeson’s, scripts, jewelry and costumes. Robeson was a worldclass athlete, intellectual, singer, actor and civil rights activist “We have a silk vest that he wore; we have scripts from plays that he acted in,” Phillips said.

“We have one of his passports.

We know he had his passport taken from him by the government because of the civil rights activi-

THE WASHINGTON INFORMER

5Paul Robeson speaks to America. / Courtesy photo ties that he engaged in. Robeson is this guy who you look up to as a celebrity but he’s also very intelligent and he wasn’t afraid to expose injustice and champion equality.”

Donated items from other institutions and individuals include dresses, musical instruments, books, bibles and numerous items representative of various stages of African-American history.

There is a large section depicting African American’s participation in the Olympics filled with donated items, including track star Carl Lewis’ many medals and the clothing and shoes dozens of athletes wore when they competed in the games.

Peter L. Robinson, Jr. and Marie Robinson Johnson donated the binoculars their ancestor, Lt. Peter L. Robinson, used as part of the 368th infantry in France during World War I. Avis, Eugene and Lowell Robinson donated a bison fur overcoat from 1869 that was used by Black soldiers who later became known as the Buffalo Soldiers.

The Liljenquist Family Collection donated wrought-iron shackles left behind by formerly-enslaved men who joined the Union Colored Troops during the Civil War. Phillip and Dwayne Brashear

donated items from their father, Carl Brashear, the first African-American U.S. Navy diver, including his prosthetic leg.

Brashear was the first African American to attend and graduate from the Navy’s Diving & Salvage School.

During a bomb recovery operation in 1966, a line used for towing broke loose, causing a pipe to strike Brashear's left leg below the knee, nearly shearing it off. His lower left leg was eventually amputated.

In 1968, after a long struggle, Brashear was the first amputee diver to be re-certified as a U.S. Navy diver. In 1970, he became the first African-American U.S. Navy Master Diver.

“We were more than delighted to donate the prosthetic leg and cane my father used after his accident to the museum,” Dwayne Brashear said. “This is a big part of who he was. Our hope is to inspire African Americans to persevere, no matter the challenge.”

A 2000 movie titled “Men of Honor” starring actor Cuba Gooding Jr., chronicled Brashear’s achievements.

The museum reached out to the Brashear family two years ago in regards to the father’s legacy and any items the sons thought would be a good fit for the exhibit. WI

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CAPTURE THE MOMENT THE CALVIN COOLIDGE ALUMNI ASSOCIATION, INC.

held its 30th Annual Scholarship/Awards Benefit Breakfast at the Washington Navy Yard Conference Center in Southwest on Saturday, Oct. 8. Over 200 alumni including former teachers and principals from all class years attended the event. Pictured: (top) Class of '67, (middle) Class of '72, and (bottom) Mayor Muriel Bowser with retired math teacher, Carolyn Sudah. / Photos by Shevry Lassiter

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WASHINGTON INFORMER THU 10/6

LIFESTYLE

Strathmore Launches Season of America’s ‘Blues’

Concerts, Events to Explore Nation’s Art Form son, will utilize all of its performance spaces to present 25 events in a yearlong exploration of the blues.

“Shades of Blues” will include a wide-ranging and robust exploration of the blues, representing a cross-sec-

By D. Kevin McNeir WI Editor For the first time, much to the delight of music aficionados, the Strathmore, during its 2016-17 sea-

tion of artists, regional influences, and micro-genres, uncovering some of the more significant components of this vast musical subject through live performance, film, exhibitions, workshops, and lectures, over the

next eight months.

For more information and to purchase tickets, visit at www.strathmore.org or call (301) 581-5100.

The blues, a genre whose origins can be traced to the Mississippi Delta in the 19th century American South, evokes a range of

A season-long festival celebrating the blues in its many forms.

SIDEMEN: LONG ROAD TO GLORY Sun, Oct 16 Documentary’s DC premiere with talks by the filmmaker and blues historians.

PRIMARY BLUES

BLUES 101 FOR FAMILIES

Thu, Oct 27 BIG HEAD BLUES CLUB FEATURING

BIG HEAD TODD & THE MONSTERS WITH SPECIAL GUESTS

THE SONGS OF WILLIE DIXON Fri, Nov 11

ALBERT CUMMINGS Sun, Nov 13

SAMUEL JAMES Thu, Nov 17

GERALD CLAYTON & THE ASSEMBLY PIEDMONT BLUES FEATURING RENÉ MARIE

Sat, Dec 10 JAZZ AT LINCOLN CENTER ORCHESTRA WITH WYNTON MARSALIS

ALL RISE

Fri & Sun, Feb 24 & 26 JAZZ AT LINCOLN CENTER PRESENTS

LADIES SING THE BLUES Sat, April 8

The music of Bessie Smith, Ma Rainey, and more.

Plus dozens of additional performances, lectures, films, and workshops!

SHOWS TAKE PLACE AT ALL OF STRATHMORE’S VENUES—THE MUSIC CENTER, MANSION, AND AMP.

L–R: Gerald Clayton by Timothy Duffy, Music Maker by Timothy Duffy, Music Center by Jim Saah, Big Head Todd & the Monsters, Rochelle Rice by Jim Saah, Albert Cummings, Sidemen: Long Road to Glory, Wynton Marsalis by Joe Martinez

STRATHMORE.ORG/BLUES | 301.581.5100

5301 Tuckerman Lane, North Bethesda, MD 20852

34 OCTOBER 13 - 19, 2016

THE WASHINGTON INFORMER

emotions – despair, dark humor, and hope expressed in irresistible rhythms and melodies – that has helped it to thrive, proliferate, and inform countless other genres for more than a century.

The centerpiece of “Shades of Blues,” ‘All Rise,’ a 12-movement masterwork by Wynton Marsalis, offers a celebration of American music that blends the blues with jazz, spiritual, and classical elements in what will surely be an unforgettable performance by the Jazz at Lincoln Center Orchestra, National Philharmonic and 150 gospel singers.

Other season highlights will include: Gerald Clayton’s D.C.-area premiere and only second performance of his “Piedmont Blues Project, co-commissioned by Strathmore in partnership with Duke University; “Ladies Sing the Blues,” a project of Jazz at Lincoln Center featuring hand-picked vocalists Catherine Russell, Brianna Thomas, and Charenee Wade that traces the rising popularity of the blues through “race records” by honoring the great blues women Ma Rainey, Bessie Smith, and Ethel Waters – each of whose recordings were fundamental in helping the blues find popular appeal; and the documentary “Sidemen: Long Road to Glory, making its D.C.-area premiere and paying tribute to three sidemen who backed blues greats during a transformational time for the genre – Pinetop Perkins, drummer Willie “Big Eyes” Smith, and guitarist Hubert Sumlin.

And because the blues had a lasting impact on art forms, visual artists from the National Association of Women Artists will synthesize the transformative and cathartic nature of the blues in “Rise Up.” In “La Vie en Bleu,” a juried selection of artists draw inspiration from visionaries such as Yves Klein and Picasso’s obsession with blue – exploring the significance of “blue” as a form of artistic expression visually, as well as musically.

And that’s just the tip of the iceberg. There’ll be performances by blistering blues guitarists Chris Smither, Albert Cummings, and Samuel James, of the Marsalis music dynasty, the Jason Marsalis Quartet, a cappella group Fairfield Four and swing inflected blues from Erin Harpe and the Delta Swingers.

Visit www.strathmore.org/blues to follow the continuing evolving site that will be updated with fresh content related to festival events.

WI

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LIFESTYLE Horoscopes

wi book reviewA

OCT. 13 - 19, 2016

ARIES Your social life sparkles and this may be the reason that you feel like mixing and mingling more regularly. Monday and Tuesday are excellent for any occasion, whether it involves business, friends and family, or romance. Someone's imaginative idea could impress you and you might want to take it further. Lucky Numbers: 4, 10, 18

"Ticktock Banneker's Clock"

TAURUS While a part of you may be concerned with the here and now and mak-

ing your life as efficient, harmonious, and balanced as it can be, another side of you is thinking of the future. The main focus, though, is on taking stock of your well-being, work/life balance, and overall happiness. Lucky Numbers: 9, 42, 51

by Shana Keller illustrated by David C. Gardner c.2016, Sleeping Bear Press​ $16.99 ($20.99 Canada) 32 pages

GEMINI While you may be enjoying yourself, you might wonder if you're not wasting your time when you could be doing something more useful, like working through your to-do list or tending to business. You may find that when you give yourself a chance to recharge, new ideas seem to come to you that help you tackle key issues more easily. Lucky Numbers: 13, 39, 56 CANCER The current focus encourages you to nurture yourself and do home-based

things, so the coming weeks and months could prove very enjoyable. Monday and Tuesday mark a high point and are very upbeat, but this week you may need to handle some differences of opinion. Taking the right stance with someone who's averse to your plans is important. Giving in isn't an option, but a heart-to-heart talk could be. Lucky Numbers: 7, 22, 38

Your Favorite Toy Came Apart Yesterday

LEO You seem to be on a roll, with one golden opportunity coming your way that

By Terri Schlichenmeyer WI Contributing Writer That's OK, though; it snapped right back together. It's made to come apart; in fact, it's one of those things you can build with and you like doing that anyhow, which is why it's your favorite. And in the new book "Ticktock Banneker's Clock" by Shana Keller, illustrated by David C. Gardner, you'll see how one really interesting project can lead to another.

There wasn't much to do on that fall day near Chesapeake Bay. Once Benjamin Banneker had harvested his crops and prepared his farm for winter, there was plenty of time for thinking and dreaming.

A friend had recently given Banneker a pocket watch and Banneker was quite fascinated with it. He'd never seen one before and while he knew his friend would want the watch back, Banneker also knew that he could take it apart, if he was careful.

And that's what he did that winter. He disassembled the watch to see the tiny little parts so he could understand how they worked together, and how each gear ran the other gears. He studied them and drew diagrams — partly because he knew he'd have to put the watch back together again, and partly because he wanted to make a timepiece of his own. It "was a challenge and he loved challenges."

But the pocket watch was made of metal. Metal was expensive. How could Banneker make a watch without any metals?

The answer arrived the following spring, right in front of him, right on his farm! He had plenty of wood and wood should've worked fine, but when he started carving, it split. Banneker had to figure out how to keep his project from being ruined. It took much of the summer but he finally realized that he knew all along how to cure wood so it wouldn't splinter.

And so that next winter, Banneker carved and drew. He figured and thought some more, and he dreamed. Could a man make a working clock from scraps and scratch?

I'm sure you can surmise the answer to that, but what makes it remarkable is included in on the last page of "Ticktock Banneker's Clock."

In her author's note, Keller explains a bit more about the real Benjamin Banneker and his life and times, which felt to me like I'd happily come upon a little-known corner of history that needed the light of day to fully appreciate. For the far end of the audience (kids up to 10 years old), that fresh information may spur them to learn more about this brilliant self-taught inventor. Children on the lower end of the age-target (children in kindergarten and first grade) will learn, too, but may initially get more from the artwork by illustrator David C. Gardner.

Overall, I think this is one of those unexpected gems from history that kids may find fun to learn about and that parents will like, too. For any reader looking a new hero to emulate, "Ticktock Banneker's Clock" is a book to make time for.

WI WWW.WASHINGTONINFORMER.COM

you'll want to grab. Regarding romance, this could be an interesting week as emotions build, and they could come to a head this weekend. With Uranus in the mix, it might be tempting to make an impulsive move. Avoid this, as you may regret it later. Lucky Numbers: 2, 21, 34

VIRGO To spend or not to spend? While you may feel flush at the start of the week, it might be best not to splurge but to save. The reason is that unstable influences suggest an unexpected bill or unknown expense may show up. Lucky Numbers: 4, 30, 57 LIBRA There are times when all you want is to be left to your own devices. However, this desire to do your own thing could be thwarted by family members who feel they should have a say in your affairs. The days ahead may need careful handling whether you're dealing with a partner or relative. There is the potential for a clash this weekend, but it can be minimized if you manage any situations sensitively, and you're a pro at that. Lucky Numbers: 12, 26, 41 SCORPIO Your head and heart may be in conflict, making it hard to resolve a key situation. Should you take a compassionate approach and try to placate those involved or fight for your side? Any anxiety caused by this matter may be worse than just doing your best to resolve it. Lucky Numbers: 5, 20, 32 SAGITTARIUS A social situation at the start of the week can be a lot of fun and

may give you a boost as well as help you make supportive new friends. Still, there are times when you feel that your values are as different from those of your social group as chalk and cheese. Lucky Numbers: 13, 25, 26

CAPRICORN You may get a chance at a special opportunity that could come

down to your cooperative attitude. There is the potential for misunderstanding, too, so be sure you have everything written down in black and white. And try to keep emotions out of any decisions you make, particularly regarding your future, family, and loved ones. Lucky Numbers: 28, 32, 41

AQUARIUS An encounter at the start of the week could leave you feeling positive about the future, but a part of you may have reservations about leaving your comfort zone. Don't suppress this. Talk it over with a good friend. You may find that your fears are groundless. Lucky Numbers: 6, 34, 49 PISCES A business move could prove very lucrative early this week, or you could receive a small windfall that makes you smile. Just try not to overspend, as you may have to part with more money than you thought, especially over the weekend. If you get any extra cash, your best bet would be to squirrel it away, as you may need it to pay off an unexpected bill or other expense. On another note, your love life could be sensational! Lucky Numbers: 6, 11, 28

THE WASHINGTON INFORMER

OCTOBER 13 - 19, 2016 35

SPORTS Buccaneers Top Rosedale in Youth Football

5 A Rosedale player is tackled by a Ward 8 defender during a DPR Under 8 Youth football game at Spingarn

High School in northeast D.C. on Saturday, Oct. 8. Ward 8 defeated Rosedale 12-6. / Photo by John E. De Freitas

3 Rosedale parents hold their hands above their heads to form a "Lap of Honor" for their players to run through after a DPR Under 8 Youth football game at Spingarn High School in northeast D.C. on Saturday, Oct. 8. Ward 8 defeated Rosedale 12-6. / Photo by John E. De Freitas

National League Playoffs Feature Two Black Coaches

Nationals, Dodgers Matchup Reason to Celebrate but Diversity Still Lacking at the Top

By D. Kevin McNeir WI Editor The Washington Nationals and the Los Angeles Dodgers have advanced to the National League Division Series with the Nats making their third appearance in the past five seasons in the postseason. The series kicked off on Friday, Oct. 7 with both teams hoping to improve on recent failures in October matchups.

After a loss in the first game, the Nationals recovered on Saturday to even the five-game division series at one game apiece.

But no matter who moves on, the real story undoubtedly remains that for the first time ever, two Black managers have been pitted against each other in a division series playoff.

Dusty Baker and Dave Roberts, representing the Nationals and the Dodgers, respectively, following more than a century

36 OCTOBER 13 - 19, 2016

of postseason play with the 1903 World Series as the benchmark, have made history.

Baker, now marking his 21st season as a manager (formerly the manager for both the Chicago Cubs and the Cincinnati Reds), and first-season manager Roberts, hold the distinction of being the only two African-Americans currently managing in the league.

Can Blacks cut the mustard?

Baker says of course. In fact, he hopes that the game will illustrate that they [Blacks] can not only do the job but do it better than most.

Statistically speaking, baseball, as well as other major sports like football and basketball, have not done well in terms of promoting diversity in within the managerial ranks. Meanwhile, the number of Black players in baseball has continued to decline for years.

In 2013, the percentage of Blacks born in the U.S. and playing in Major League Base-

“You can’t make anybody do anything – all you can do is suggest.”

Lloyd McClendon / Seattle Mariners

ball [MLB] was 8.3 percent.

However, the total number of Blacks was higher – just over 19 percent – due to the number of foreign-born Blacks from Latin American countries, primarily the

THE WASHINGTON INFORMER

Dominican Republic.

History buffs may recall that Frank Robinson became the first Black MLB in history in 1975.

Since then, only one Black manager has won the World Series – Cito Gaston for the Toronto Blue Jays in 1992 and 1993.

Ozzie Guillen, a Hispanic, led the Chicago White Sox to victory in the 2005 World Series, ending the team’s 88-year drought.

In recent years, there have been other Black managers, including Lloyd McClendon (Seattle Mariners), Ron Washington (Texas Rangers) and Willie Randolph and Jerry Manuel (New York Mets). But each failed to take their teams to the pinnacle of the MLB – that is, winning it all in the World Series.

Meanwhile, Robinson, now a member of the MLB Hall of Fame, says the problem isn’t that there aren’t qualified Blacks waiting for their chance but when and

if owners will consider them as serious candidates.

“You can’t make anybody do anything – all you can do is suggest,” McClendon has said in previously-reported news stories.

MLB officials have made efforts to improve diversity at the top, hiring a company that provides support services for qualified candidates in 2015, specifically minorities and women, assisting them as they prepare for interviews.

And to address the shrinking number of U.S.-born Black players in the league, a growing number of teams, including the Nationals, have recently invested millions of dollars in urban areas the District, Houston, Cincinnati and Philadelphia, building youth academies where talented can receive vital training that may help them fulfill their dreams of becoming professional baseball players. WI

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SPORTS Nats Begin Postseason Trek at Home 3 Washington Nationals starting pitcher Max Scherzer pitches during the

first inning of Game 1 of the National League Divisional Series on Friday, Oct. 7 at Nationals Park in southeast D.C. The Los Angles Dodgers defeated the Nationals 4-3./ Photo by John E. De Freitas

6 Washington Nationals second baseman Daniel Murphy attempts to

break up a double play attempt by Los Angles Dodgers second baseman Chase Utley during Game 1 of the National League Divisional Series on Friday, Oct. 7 at Nationals Park in southeast D.C. The Dodgers defeated the Nationals 4-3. / Photo by John E. De Freitas

5 Washington Nationals shortstop Daniel Espinosa attempts to turn

a double play as Los Angeles Dodgers second baseman Chase Utley slides into second during Game 1 of the National League Divisional Series on Friday, Oct. 7 at Nationals Park in southeast D.C. The Dodgers defeated the Nationals 4-3. / Photo by John E. De Freitas

4 Washington Nationals left fielder Jayson Werth evades a pickoff

attempt during Game 1 of the National League Divisional Series on Friday, Oct. 7 at Nationals Park in southeast D.C. The Los Angeles Dodgers defeated the Nationals 4-3. / Photo by John E. De Freitas

EDITOR’S NOTE:

The Nationals took a 2-1 lead with an 8-3 win over the Los Angeles Dodgers on Monday in their National League Division Series. The Nats, the NL East champs three of the last five years, stood poised to advance to their first league championship series since moving to the District in 2005. But the Dodgers fought back on Tuesday night in L.A. to tie the series at 2-2 with a 6-5 victory. After resting on Wednesday, the series will resume here in the District with Game 5 at Nationals Park at 5 p.m. on Thursday, Oct. 13. Go NATS! WWW.WASHINGTONINFORMER.COM

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OCTOBER 13 - 19, 2016 37

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5 The Prince George’s County League of Women Voters hosted a forum on

Saturday, Oct. 8 in Bowie to discuss a question on the general election ballot that, if approved, would add two at-large seats to the County Council. / Photo

by William J. Ford

COUNCIL from Page 13 fordability. It still remains the same today, she said.

Keith Strong, president of the Woodmore Civic Association in Mitchellville, said the plan’s just another way to extend a current council member’s time to serve.

“Let’s figure out a way it can serve us without adding two extra bureaucrats,” he said. “Too many cooks spoil the broth. Adding two

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Bob Ross, president of the county NAACP, said neighboring Montgomery County has a proposed bill that could not only help decrease foreclosures in Prince George's, but also help bring in money.

According to the Montgomery bill introduced last month by Councilman Tom Hucker (D-District 5) of Silver Spring, any buyer who doesn't register the purchase of a foreclosed property within 30 days to the state will pay the county a fine of $1,000 per day.

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more cooks is not the answer.”

Edwards said the voters wouldn’t necessarily choose a current council member to fill the at-large seat.

“That position was not created for a person who is serving, or has served before,” said Edwards of Capitol Heights.

Cooper said the mere fact he agrees with Dudley and other Democrats against the council proposal “says something right there.”

WI A 2012 state law allows jurisdictions to impose the penalty. One problem: those who purchase foreclosed properties, mainly banks and other financial institutions, often take between nine to 18 months to transfer the title, which makes it harder to determine who owns the property. In addition, officials say it creates vacant properties that become eyesores and the county loses money in transfer and other taxes.

The council scheduled a public hearing on the bill for Oct. 18 at 1:30 p.m.

"This is something we need in Prince George’s County," Ross said.

"Some thought foreclosures was a dead issue in the county. It is not."

WI

rican-Americans and Hispanics.

"These types of data inform local health officials who, given their unique understanding of their respective cities' available and potential resources, are in ideal positions to develop and implement strategies for improvement," Hunt said.

Additional research is needed to understand why this disparity is growing, though causes could include a lack of early detection, late-stage diagnosis, and delayed treatment, officials said.

Overall, the study concluded that there is a critical need to increase access to breast cancer screening and treatment services for African-American women.

"It was important to note that some individual cities have shown a decreasing disparity and there is much we can learn from those that are doing well," said Dr. Marc S. Hurlbert of the Breast Cancer Research Foundation, the former executive director of the Avon Foundation for Women. "However, the black and white disparity in breast cancer mortality still exists and needs to be addressed as a public health problem."

Breast cancer continues to be the second-leading cause of cancer death among women in the United States, with an estimated 40,450 deaths expected to occur in 2016, medical experts said.

Local-level data is not readily available, but can be extremely useful for public health officials seeking to understand trends and improve health outcomes in their local jurisdictions, the Avon news release noted.

The research is a promising step toward better understanding of the disparities and ways to overcome barriers to care and improve access to breast cancer prevention screenings, diagnostics and treatment, officials said.

WI

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RELIGION THE RELIGION CORNER

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Everything Was Once a Thought Every building, every home, your computer, TV, cellphone, lights, cars, boats, everything around you began with an idea!

It was in the mind of a man or woman.

Do you walk around, not thinking about how that home came to be? Or are you someone who wonders, how did that happen? If you are curious, that is an excellent sign that the Lord can use you to be creative in many ways. Study and do something for yourself by being creative. What happens in your mind could be growing for many years, when suddenly, one day those thoughts and dreams come to life. Those thoughts just grow and grow, like the bamboo tree.

The story goes like this: After five years of you watering and caring for your bamboo tree, a tiny sprout will emerge from the earth. Compared to the fern it was seemingly small and insignificant, but just six months later, the bamboo rose to over 100 feet tall. It had spent the five years growing roots. Those roots made it strong and gave it what it needed to survive.

That tree grows underground for five years. If someone saw you watering and caring for a bamboo tree on a weekly basis, they would think you were crazy for sure. Don't be impatient and want things right now. Like the bamboo tree, just keep right on working, even when it looks like you should be committed to an insane asylum. Those who quit, Turning Hearts Church

are not patient, they don't believe and trust.

When you are going through what seems like a rough period, just keep working on your craft, work on your skill, and grow from within, like that Bamboo Tree. Then when your grow begins, nothing can stop you because you did it the right way.

Thoughts you hold create your belief. Your actions create your results. Take a pen and paper and create your destiny. Build an image and the life you want. See yourself in that image. Become like this GPS society we live in, where we want to see every single step we are to take. Just walk in the direction of your dream.

Know why you are on this earth and what your purpose is.

Redefine what you want. Think from a believing point of view.

Short-term decisions that have long-term effects do not have to shape your future. When you've made mistakes, learn from them and move forward with confidence! You will then be able to overcome and achieve so much more!

It is never too late to change your life. Ask yourself, "Where do I want to go from here?"

Know this: "What you focus on becomes the strongest.” Don't be strong with fear and destructive thoughts. Clean your house and allow your fresh new ideas to grow in a clean mind that is able to rebuild itself.

If you simply have the faith of a mustard seed, you can move mountains. The Scriptures tell

Reverend James Manion Priest

4275 4th Street, S.E. Washington, DC 20034 Phone: 202-746-0113 Fax: 301-843-2445

Foggy Bottom - Founded in 1867 728 23rd Street, NW - Washington, DC 20037 Church office: 202-333-3985 - Fax : 202-338-4958

Motto : “A Great Commitment to the Great Commandment” Website: www.turningheartschurchdc.org Email: faithdefender@verizon.net

• • • • •

Estate planning and probate Medicaid planning Elder law Business and succession planning/ coaching Workshops and seminars on legacy creation for economic strength

Aimee D. Griffin, Esq., The Griffin Firm, PLLC 5335 Wisconsin Ave NW Suite 440 Washington DC 20015 www.thegriffinfirm-PLLC.com

202-379-4738 with Lyndia Grant us so! But you must believe! Give your action direction! Ask yourself, "What is something I could do, should do, and if I would do this, will it make me get closer to my goal?

There is a member of the Les Brown Speakers named Tawana Williams, who was born without arms but wrote a book called "Unarmed and Dangerous."

Look her up — she speaks all over the place!

Your unlimited set of possibilities will put you in the right state of mind. Fall in love with what you want to be do or have. Become emotionally involved with what you want to happen — the Heavenly Father will guide your footsteps!

WI

(301) 864-6070

CHURCH LAWYERS MCCOLLUM & ASSOCIATES, LLC

Organizational Formation, Governance Issues, First Ammendment, Church Employment, Ministerial Exception, Maintenance Issues, Risk Management, Safety and Security Issues, and Real Property Law SERVING MARYLAND, DC, & NORTH CAROLINA

www.jmlaw.net

(301) 864-6070

jmccollum@jmlaw.net

Historic St. Mary’s Episcopal Church

Virgil K. Thomas, Sr. Senior Pastor/ Teacher

Service and Times Sunday School 8 – 9 AM Worship Service 9 – 11 AM Tuesday Night Bible Study 6:30 – 8:00 PM Wednesday Daytime Bible Study 11 AM – 12:30 PM

Committed to providing services and supports to increase the capacity of individuals, businesses, and communities.

Service and Times Sundays: 10 a.m. Holy Eucharist with Music and Hymns Wednesdays: 12:10 p.m. - Holy Eucharist www.stmarysfoggybottom.org Email: stmarysoffice@stmarysfoggybottom.org All are welcome to St. Mary’s to Learn, Worship, and Grow.

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OCTOBER 13 - 19, 2016 39

RELIGION The Miracle Center of Faith Missionary Baptist Church

Pilgrim Baptist Church Rev. Louis B. Jones II Pastor

Bishop Michael C. Turner, Sr. Senior Pastor 9161 Hampton Overlook Capitol Heights, MD 20743 Phone: 301-350-2200 Fax: 301-499-8724

Church of Living Waters

700 I Street, N.E. Washington, D.C. 20002 (202) 547-8849 Service and Times Worship Sundays: 7:30 & 11:00am 5th Sundays: 9:30am 3rd Sundays: Baptism & Holy Communion Prayer & Praise: Wednesdays @ Noon & 6:30pm

Service and Times Sunday Worship Times : 7:30 a.m. 7 10:00 a.m.

Communion: 1st Sunday Sunday School: 9:00 a.m.

Bible Study: Wednesday, 12 Noon Bible Study in homes: Tuesday 7:00 p.m.

Website: www.themiraclecenterFMBC.com Email: Miraclecenterfmbs@gmail.com Motto: “We Walk by Faith, Not by Sight”

Crusader Baptist Church

Rev. Dr. Michael E. Bell, Sr., Pastor

Rev. Dr. Alton W. Jordan Pastor

Reverend Dr. Calvin L. Matthews Senior Pastor

Harold Andrew Assistant Pastor

2498 Alabama Ave., SE - Washington D.C. 20020 Office: (202) 889-7296 Fax: (202) 889-2198 - www.acamec.org

800 I Street, NE - Washington, DC 20002 202-548-0707 - Fax No. 202-548-0703

4915 Wheeler Road Oxon Hill, MD 20745 301-894-6464

Service and Times Sunday Worship Services: 8:00am and 11:00am Sunday Church School - 9:15am & Sunday Adult Forum Bible Study - 10:30am 2nd & 4th Monday Women’s Bible Study: 6:30pm Tuesday Jr./Sr. Bible Study: 10:00am Tuesday Topical Bible Study: 6:30pm Tuesday New Beginnings Bible Study: 6:30pm Wednesday Pastoral Bible Study: 6:30pm Wednesday Children’s Bible Study: 6:30pm Thursday Men’s Bible Study: 6:30pm Friday before 1st Sunday Praise & Worship Service: 6:30pm Saturday Adult Bible Study: 10:00am “The Amazing, Awesome, Audacious Allen Chapel A.M.E. Church”

Service and Times Sunday Morning Worship: 11:00am Holy Communion: 1st Sunday Sunday School: 9:45am Men’s Monday Bible Study: 7:00pm Wednesday Night Bible Study: 7:00pm Women’s Ministry Bible Study: 3rd Friday -7:00pm Computer Classes: Announced Family and Marital Counseling by appointment

1200 Isle of Patmos Plaza, Northeast Washington, DC 20018 Office: (202) 529-6767 - Fax: (202) 526-1661

www.livingwatersmd.org

E-mail: Crusadersbaptistchurch@verizon.net www.CrusadersBaptistChurch.org “God is Love”

Covenant Baptist United Church of Christ

St. Stephen Baptist Church

Third Street Church of God

Dr. Dekontee L. & Dr. Ayele A. Johnson Pastors

Drs. Dennis W. & Christine Y. Wiley Pastors

Bishop Lanier C. Twyman, Sr. Senior Pastor

Rev. Cheryl J. Sanders, Th.D. Senior Pastor

Bishop Alfred A. Owens, Jr.; Senior Bishop & Evangelist Susie C. Owens – Co-Pastor

4001 14th Street, NW Washington, DC 20011 (202) 265-6147 Office 1-800 576-1047 Voicemail/Fax

3845 South Capitol Street Washington, DC 20032 (202) 562-5576 (Office) (202) 562-4219 (Fax)

5757 Temple Hill Road, Temple Hills, MD 20748 Office 301-899-8885 – fax 301-899-2555

1204 Third Street, NW Washington, DC 20001 202-347-5889 office 202-638-1803 fax

610 Rhode Island Avenue, NE Washington, DC 20002 (202) 529-4547 office • (202) 529-4495 fax

Service and Times Sunday School: 9:30am Sunday Morning Worship Service: 11:00am Communion Service: First Sunday Prayer Service/Bible Study: Tuesday, 6:30pm

Services and Times Sundays: 10:00am Worship Services Bible Study: Wonderful Wednesdays in Worship and the Word Bible Study Wednesdays 12:00 Noon; 6:30pm (dinner @ 5:30pm) Sunday School: 9:00am – Hour of Power

Blessed Word of Life Church

www.blessedwordoflifechurch.org E-mail: church@blessedwordoflifechurch.org

“An inclusive ministry where all are welcomed and affirmed.” www.covenantbaptistdc.org

Campbell AME Church

Service and Times Sunday Worship Service: 10:00 am Sunday Church School: 8:45 am Bible Study Wednesday: 12:00 Noon Wednesday: 7:00 pm Thursday: 7: pm “Reaching Up To Reach Out” Mailing Address Campbell AME Church 2502 Stanton Road SE - Washington, DC 20020

Services and Times Sunday School: 9:30am Sunday Worship: 11:00am Prayer Meeting and Bible Study: Wed. 7:30pm

“We are one in the Spirit” www.ssbc5757.org E-mail: ssbc5757@verizon.net

www.thirdstreet.org

“Ambassadors for Christ to the Nation’s Capital”

Sunday Worship Service: 8 AM and 10:45am Sunday Youth Worship Services: 1st & 4th 10:45am; 804 R.I. Ave., NE 5th 8 AM & 10:45am; Main Church Prayer Services Tuesday – Noon, Wednesday 6am & 6:30pm Calvary Bible Institute: Year-Round Contact Church Communion Every 3rd Sunday The Church in The Hood that will do you Good! www.gmchc.org

St Marks Baptist Come Worship with us...

Dr. Raymond T. Matthews Pastor and First Lady Marcia Matthews St. Mark's Baptist Church 624 Underwood Street, NW Washington, dc 20011 Services and Times Sunday School: 9:00am Worship Service: 10:00am Wed. Noon Day prayer service Thur. Prayer service: 6:45pm Thur. Bible Study: 7:15pm

Reverend Dr. Paul H. Saddler Senior Pastor (Disciples of Christ) 1812 12th Street, NW - Washington, DC 20009 Phone: 202-265-4494 Fax: 202 265 4340 Service and Times Sunday Worship Service: 11:00 am Communion every Sunday: 11:00 am Sunday School: 10:00 am Bible Study Tuesday: 12 Noon Pastor’s Bible Study Tuesday: 6:30 pm Motto: “Discover Something Wonderful” Website: 12thscc.org Email: Twelfthstcc@aol.com

Mt. Zion Baptist Church

Mount Carmel Baptist Church

Rev. John W. Davis Pastor

Joseph N. Evans, Ph.D Senior Pastor

5101 14th Street, N.W. Washington, DC 20011 202-726-2220/ 202-726-9089

901 Third Street N.W. Washington, DC. 20001 Phone (202) 842-3411 Fax (202) 682-9423

Service and Times Sunday Worship Service: 8:00am and 11:00am Sunday School: 9:15am Holy Communion 4th Sunday 10:00am Prayer and Bible Study Wednesday 7:00pm TV Ministry –Channel 6 Wednesday 10:00pm

Services and Times Sunday Early Morning Worship: 7:45am Church School: 9:30am Sunday Morning Worship: 10:45am Tuesday: 7:00pm/Kingdom Building Bible Institute Wednesday: Prayer/Praise/Bible Study-7:30 pm Baptism & Communion Service: 4th Sunday – 10:30am

Greater Mt. Calvary Holy Church

Service and Times Sunday Worship Services: 7:30 a.m. and 10:30 a.m.

Holy Communion: 2nd Sunday at 7:30 a.m. and 10:30 a.m.

Sunday Church School: 9:20 a.m.

Seniors Bible Study: Tuesdays at 10:30 a.m.

Noon Day Prayer Service: Tuesdays at Noon Bible Study: Tuesdays at 7 p.m.

Motto: “A Ministry of Reconciliation Where Everybody is Somebody!”

Website: http://isleofpatmosbc.org Church Email: ipbcsecretary@verizon.net

Twelfth Street Christian Church

Rev. Dr. Henry Y. White 2562 MLK Jr. Ave., SE - Washington, DC 20020 Adm. Office 202-678-2263 Email: Campbell@mycame.org

Isle of Patmos Baptist Church

Rev. Paul Carrette Senior Pastor

Service and Times Sunday Service: 8:30am& 11:00am Bible Study: Wednesday 7:30pm Communion Service: First Sunday

www.pilgrimbaptistdc.org

Allen Chapel A.M.E. Church

Service and Times Sunday Church School : 9:00am Sunday Morning Worship: 10:10am Bible Study Tuesday: 6: 00pm Prayer Service Tuesday: 7:00pm Holy Communion: 3rd Sunday 10:10am themcbc.org

gsccm.administration@verizon.net

40 OCTOBER 13 - 19, 2016

THE WASHINGTON INFORMER

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RELIGION Shabbath Commandment Church

All Nations Baptist Church

King Emmanuel Baptist Church

Bishop Adrian A. Taylor, Sr. Pastor

Rev. Dr. James Coleman Pastor

Rev. Daryl F. Bell Pastor

7801 Livingston Road Oxon Hill, MD 20745 301-534-5471

2001 North Capitol St, N.E. - Washington, DC 20002 Phone (202) 832-9591

2324 Ontario Road, NW Washington, DC 20009 (202) 232-1730

Service and Times Sabbath School 9:30 a.m. – 10:30 a.m.

Service 11:00 a.m. Praise & Worship Preaching 11:30 a.m. – 1:30 p.m.

Motto: “A Church Keeping It Real for Real.”

Website: Shabbathcommandmentchruch.org Email: Praisebetoyhwh@gmail.com

Zion Baptist Church Rev. Keith W. Byrd, Sr. Pastor 4850 Blagdon Ave, NW - Washington D.C 20011 Phone (202) 722-4940 - Fax (202) 291-3773 Service and Times Sunday Worship Service: 10:15AM Sunday School: 9:00am Monday: Noon Bible School Wednesday: Noon & 7PM: Pastor’s Bible Study Ordinance of Baptism 2nd Holy Communion 4th Sunday Mission Zion Baptist Church Shall; Enlist Sinners, Educate Students, Empower the Suffering, Encourage the Saints, and Exalt Our Savior. (Acts 2:41-47) www.zionbaptistchurchdc.org

St. Luke Baptist Church Rev. Aubrey C. Lewis Pastor 1415 Gallatin Street, NW Washington, DC 20011-3851 P: (202) 726-5940 Service and Times Sunday Worship: 11:00 a.m.

Sunday School: 9:15 a.m.

Holy Communion: 11:00 a.m., 3rd Sun. Bible Institute: Wednesday - 1:30 pm Prayer Meeting: Wednesday - 12:00 Noon

Service and Times Sunday Church School – 9:30 AM Sunday Worship Service – 11:00 AM Holy Communion – 1st Sunday at 11:00 AM Prayer – Wednesdays, 6:00 PM Bible Study – Wednesdays, 7:00 PM Christian Education School of Biblical Knowledge Saturdays, 9:30 AM – 11:00 AM, Call for Registration Website: www.allnationsbaptistchurch.com All Nations Baptist Church – A Church of Standards

Israel Baptist Church

Dr. Earl D. Trent Senior Pastor

Rev. Dr. George C. Gilbert Senior Pastor

2409 Ainger Pl.,SE – WDC 20020 (202) 678-0884 – Office - (202) 678-0885 – Fax “Come Grow With Us and Establish a Blessed Family”

623 Florida Ave.. NW - WDC. 20001 Church (202) 667-3409 Study (202) 265-0836 Home Study (301) 464-8211 Fax (202) 483-4009

4504 Gault Place, N.E. Washington, D.C 20019 202-397-7775 – 7184

Service and Times Sunday Worship: 7:30am & 10:45am Baptism/Holy Communion: 3rd Sunday Family Bible Study Tuesdays – 6:30pm Prayer Service: Tuesdays – 8:00pm www.emmanuelbaptistchurchdc.org

“Where Jesus is the King”

Lincoln Park United Methodist Church

Sermon On The Mount Temple Of Joy Apostolic Faith

Rev. Dr. Diane Dixon Proctor Pastor

Elder Herman L. Simms Pastor

1251 Saratoga Ave., NE Washington, DC 20018 (202) 269-0288

1301 North Carolina Ave. N E Washington, D C 20002 202 543 1318 - lpumconthegrow@gmail.com www.lpumcdc.org

5606 Marlboro Pike District Heights, MD 20747 301-735-6005

Service and Times Sunday Worship Service: 10:00 A.M. Sunday School: 8:30 A.M. Holy Communion1st Sunday: 10:00 A.M. Prayer Service: Wednesday at 6:30 P.M. Bible Study: Wednesday at 7:00 P.M.

Service and Times Sunday Worship: 10: am Holy Communion: First Sunday 10: am Sunday School: 9: am Bible Study: Wednesday @ 12 noon and 6:30pm Motto: “A CHURCH ON THE GROW”.

Mount Moriah Baptist Church

Eastern Community Baptist Church

Service and Times Sunday Apostolic Worship Services 11:00 A.M and 5:00 P.M Communion and Feet Wash 4th Sunday at 5:00 P.M Prayer/Seeking: Wednesday at 8:00 P.M. Apostolic in Doctrine, Pentecostal in Experience, Holiness in Living, Uncompromised and Unchanged.

The Apostolic Faith is still alive –Acts 2:42

New Commandment Baptist Church

Dr. Lucius M. Dalton Senior Pastor

Damion M. Briggs Pastor

Rev. Stephen E. Tucker Senior Pastor

1636 East Capitol Street, NE Washington, DC 20003 Telephone: 202-544-5588 - Fax: 202-544-2964

8213 Manson Street Landover, MD 20785 Tel: (301) 322-9787 Fax: (301) 322-9240

13701 Old Jericho Park Road Bowie, MD. 20720 (301) 262-0560

Service and Times Sunday Worship Services: 7:45 am and 10:45 am Holy Communion: 1st Sundays at 7:45 am & 10:45 am Sunday School: 9:30 am Prayer & Praise Service: Tuesdays at 12 noon & 6:30 pm Bible Study: Tuesdays at 1 pm and 7 pm Youth Bible Study: Fridays at 7 pm

Service and Times Early Morning Message: 7:30 AM Sunday Morning Worship Service: 10:00 AM Sunday Church School: 9:00 AM Holy Communion: 1st Sunday 7:30 AM & 10:00 AM Prayer, Praise and Testimony: Wednesday 7:00 PM Bible Study: Wednesday 7:30 PM

Service and Times Sunday Worship: 11 AM Sunday School: 10 AM Wednesday Mid-Week Worship, Prayer & Bible Study: Wed. 7 PM

Rehoboth Baptist Church

“Real Worship for Real People” Website: www.easterncommunity.org Email: ecc@easterncommunity.org

Salem Baptist Church

Holy Trinity United Baptist Church

Florida Avenue Baptist Church

Rev. Dr. Clinton W. Austin Pastor

Rev. Dr. Morris L Shearin, Sr. Pastor

Web: www.mountmoriahchurch.org Email: mtmoriah@mountmoriahchurch.org

St. Matthews Baptist Church

Service and Times Sunday School: 9:30 am Sunday Worship Service: 11:00 am Baptismal Service: 1st Sunday – 9:30 am Holy Communion: 1st Sunday – 11:00 am Prayer Meeting & Bible Study: Wednesday -7:30 pm

Emmanuel Baptist Church

“A Church Where Love Is Essential and Praise is Intentional”

Service and Times Sunday Worship Services: 10:00 a.m.

Sunday Church School: 8:45 – 9:45 a.m.

Holy Communion: Every First Sunday Intercessory Prayer: Monday – 7:00-8:00 p.m.

Pastor’s Bible Study: Wednesday –7:45 p.m.

Midweek Prayer: Wednesday – 7:00 p.m.

Noonday Prayer Every Thursday

Matthews Memorial Baptist Church

Service and Times 9:30AM. Sunday Church School 11:00 Am. Sunday Worship Service The Lord’s Supper 1st Sunday Wednesday 7:00pm Prayer & Praise Services 7:30pm. Bible Study Saturday before 4th Sunday Men, Women, Youth Discipleship Ministries 10:30am A Christ Centered Church htubc@comcast.net

Christ Embassy DC

Dr. C. Matthew Hudson, Jr, Pastor 2616 MLK Ave., SE - Washington, DC 20020 Office 202-889-3709 - Fax 202-678-3304 Service and Times Early Worship Service: 7:30a.m Worship Service: 10:45a.m.

New Members Class: 9:30a.m.

Holy Communion : 1st Sunday -10:45a.m Church School: 9:30a.m.

Prayer, Praise and Bible Study: Wednesday 7p.m Bible Study : Saturday: 11a.m.

Baptism: 4th Sunday – 10:45a.m “Empowered to love and Challenged to Lead a Multitude of Souls to Christ”

Peace Baptist Church

Kelechi Ajieren Coordinator 6839 Eastern Avenue, R1 Takoma Park, MD 20912 (202) 556-7065 Service and Times Sunday Worship Service: 10:00 A.M. Wednesday Bible Study: 7:00 P.M. Friday Evening Service: 7:00 P.M. ; Last Friday “…Giving Your Life a Meaning” www.Christembassydc.org Christ.embassy.dc@hotmail.com

Pennsylvania Ave. Baptist Church

Rev. Dr. Michael T. Bell 712 18th Street, NE Washington, DC 20002 Phone 202-399-3450/ Fax 202-398-8836 Service and Times Sunday Morning Worship Service: 7:15 am & 10:50 am Sunday School: 9:30am Wednesday Prayer & Testimonies Service: 7:30pm Wednesday School of the Bible: 8:00pm Wednesday - Midweek Prayer Service: 12:00 pm - 1:00 pm

Rev. Dr. Kendrick E. Curry Pastor 3000 Pennsylvania Ave.. S.E Washington, DC 20020 202 581-1500 Service and Times Sunday Church School: 9:30 A.M. Sunday Worship Service: 11:00 A.M. Monday Adult Bible Study: 7:00 P.M. Wednesday Youth & Adult Activities: 6:30 P.M. Prayer Service Bible Study

“The Loving Church of the living lord “ Email Address pbcexec@verizon.net

Shiloh Baptist Church

First Rising Mt. Zion Baptist Church

Mt. Horeb Baptist Church

Rev. Dr. Maxwell M. Washington Pastor

Rev. Curtis l. Staley Pastor

Rev. Alonzo Hart Pastor

Rev. Dr. Wallace Charles Smith Pastor

Rev. Reginald M. Green, Sr. Interim Pastor

Rev. Dr. H. B. Sampson, III Pastor

Worshiping Location Knights of Columbus - 1633 Tucker Road Fort Washington, MD 20744 (240) 838-7074

621 Alabama Ave., S.E.- Washington, D.C. 20032 P: (202) 561-1111 - F: (202) 561-1112

917 N St. NW - Washington, DC 20001 (202) 232-4294

9th & P Street, N.W. - W. D.C. 20001 (202) 232-4200

Service and Times Sunday Service: 10 am Sunday School for all ages: 8:30 am 1st Sunday Baptism: 10: am 2nd Sunday Holy Communion:10 am Tuesday: Bible Study: 6:30 pm Prayer Meeting: 7:45 pm

Service and Times Sunday Morning Prayer Service: 8:00 a.m.

Sunday Church School: 9:15 a.m.

Sunday Morning Worship: 10:40 a.m.

Third Sunday Baptismal & Holy Communion:10:30 a.m.

Tuesday Church At Study Prayer & Praise: 6:30 p.m.

Service and Times Sunrise Prayer Services - Sunday 7:00 a.m.

Morning Worship: 8:00 a.m Church School : 9:30 a.m.

Morning Worship: 10:55 a.m.

Bible Study, Thursday: 6:30 p.m.

Prayer Meeting,Thursday : 7:30 p.m.

602 N Street NW - Washington, D.C. 20001 Office:(202) 289-4480 Fax: (202) 289-4595

2914 Bladensburg Road, NE Wash., DC 20018 Office: (202) 529-3180 - Fax: (202) 529-7738 Service and Times Worship Service: 7:30 a.m.

Sunday School: 9:00 a.m.

Worship Service: 10:30 a.m.

Holy Communion: 4th Sunday 7:30 a.m. & 10:30a.m.

Prayer Services:Tuesday 7:30 p.m.

Wednesday 12 Noon

Motto: “Where God is First and Where Friendly People Worship”

The Church Where GOD Is Working....

And We Are Working With GOD

Service and Times Sunday Worship Services: 10:00 am Sunday School: 9:00 am Holy Communion 3rd Sunday Morning Prayer / Bible Study: 6:15 pm - 7:20 pm (Tuesday) Theme: “The Kingdom Focused Church” Matthew 6:33 and Mathew 28:18-20, KJV Email: stmatthewsbaptist@msn.com Website: www.stmatthewsbaptist.org

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Service and Times Sunday Worship Services: 7:45am & 11:00am Sunday School For All Ages: 9:30am Prayer Services: Wednesday 11:30am & 6:45pm Bible Institute: Wednesday at Noon & 7:45pm Email: Froffice@firstrising.org Website: www.firstrising.org “Changing Lives On Purpose “

Email:mthoreb@mthoreb.org Website:www.mthoreb.org For further information, please contact me at (202) 529-3180.

OCTOBER 13 - 19, 2016 41

LEGAL NOTICES SUPERIOR COURT OF THE DISTRICT OF COLUMBIA Probate Division Washington, D.C. 20001-2131 Administration No. 2016 ADM 929 Gertrude P. Baird Decedent Dennis A. Baird, Esq. 1323 Fenwick Lane Silver Spring, MD 20910 Attorney NOTICE OF APPOINTMENT, NOTICE TO CREDITORS AND NOTICE TO UNKNOWN HEIRS Sean A. Baird, whose address is 1323 Fenwick Lane, Silver Spring, MD 20910, was appointed Personal Representative of the estate of Gertrude P. Baird who died on April 18, 2016 without a Will, and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance in this proceeding. Objections to such appointment shall be filed with the Register of Wills, D.C., 515 5th Street, N.W., Building A, Third Floor Washington, D.C. 20001, on or before March 29, 2017. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before March 29, 2017, or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its first publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: September 29, 2016 Sean A. Baird Personal Representative

TRUE TEST COPY Anne Meister Register of Wills Washington Informer

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA Probate Division Washington, D.C. 20001-2131 Administration Number 2016 ADM 1136 Estate of Melvin P. Carter aka Melvin Phillip Carter Deceased

LEGAL NOTICES

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA Civil Division SERENO GRASSI, Plaintiff, v.

DAVID E. TWOMBLY, Defendant.

Order Sabina Richardson who is alleged to have custody of the will dated July 31, 2015 to deliver it to the Court.

Order any interested person to show cause why the provisions of the lost or destroyed will dated July 31, 2015 should not be admitted to probate as expressed in the petition.

Civil Action No.: 2016 CA 5112 R(RP) Judge Jeanette J. Clark Calendar 7 Next Event: Initial Scheduling Conference October 28, 2016 at 9:30 a.m.

ORDER OF PUBLICATION In accordance with D.C. Code § 13-336, et seq., and SCR Civil Rule 4-I, the object of this proceeding is to quiet title to one parcel of real property located in the District of Columbia, described for tax assessment purposes as Square 3095, Lot 0034, known as 310 T Street, NW, Washington, DC 20001. Plaintiff, co-owner of the Property, filed a Complaint alleging among other things, that Plaintiff and Defendant jointly purchased the property on March 30, 1989. Compl. at 2.1 “Plaintiff, for a period of twenty-three (23) years, has treated the Property as [Plaintiff’s] own and has assumed all financial obligations regarding the Property, and has taken active steps to oust Defendant from the Property. . . ” Id. Plaintiff last spoke with Defendant in 1993. Id. A people search identified two addresses for Defendant in Texas, but Plaintiff was not able to locate Defendant. Mot. Mem. at 4. Plaintiff “hired a process server to perform a skip trace and postal trace of the Defendant. The server’s trace revealed the same two Texas addresses for Defendant.” Id. Lastly, Plaintiff attached an Experteer Services LLC’s Investigative Report showing Plaintiff’s efforts to locate Defendant in Dallas Texas. Id. at Ex. 1.

Therefore, Plaintiff has shown the Defendant’s location is unknown.

WHEREFORE, it is this 19th day of July 2016, hereby, ORDERED, that notice shall be given by insertion of a copy of this order in The Daily Washington Law Reporter, a legal newspaper or periodical of daily circulation and The Washington Informer, a newspaper or periodical specifically designated by the Court twice a month for three months. Super Ct. Civ. R. 4-I; D.C. Code §13-3412. “For purposes of this rule, a legal newspaper or periodical of daily circulation shall mean a publication designed by the Court that is (1) devoted primarily to publication of opinions, notices and other information from the courts of the District of Columbia, (2) circulated generally to the legal community, and published at least on each weekday that the Superior Court is in session.” Super. Ct. Civ. R. 4-I. Notice is given to any and all persons interested in the above-described real property to cause their appearance to be entered herein on or before October 28, 2016 at 9:30 a.m. Otherwise, the cause will be proceeded with as in cause of default.

SO ORDERED.

NOTICE OF STANDARD PROBATE Notice is hereby given that a petition has been filed in this Court by Brett Cohen for standard probate, including the appointment of one or more personal representative. Unless a complaint or an objection in accordance with Superior Court Probate Division Rule 407 is filed in this Court within 30 days from the date of first publication of this notice, the Court may take the action hereinafter set forth.

LEGAL NOTICES

Judge Jeanette J. Clark D.C. Superior Court Copies e-filed, e-served, and docketed on this 19th day of July 2016: Brian L. Kass, Esq. 1050 17th Street, NW, Suite 1100 Washington, DC 20036 Counsel for Plaintiff Copy mailed: David E. Twombly Address Unknown Defendant

1 Plaintiff filed a Verified Complaint to Quiet Title by Adverse Possession on July 14, 2016 which contained to two counts: Count I (Adverse Possession) and Count II (Partition).

2 D.C. Code § 13-341, states, in relevant part:

Date of first publication: October 6, 2016 Brett Cohen Petitoner

TRUE TEST COPY Anne Meister Register of Wills Washington Informer

42 OCTOBER 13 - 19, 2016

(a) When a person would be a proper party to a judicial proceeding if living, and upon allegation under oath and proof satisfactory to the court that it is unknown whether he is living or dead, he may be proceeded against as if he were living, and with like effect, if a representative of or claimant under him does not intervene in the action before final determination thereof, after notice by publication as in the case of nonresident parties. (b) When a person who would have been a proper party to a judicial proceeding is dead, and it is unknown whether he died testate or left heirs, or his heirs and devisees are unknown, the unknown persons may be described as the heirs or devisees of the person who, if living, would be the proper party. Notice shall be given by publication to them according to that description, and the same proceedings shall be had against them as are had against nonresident defendants, except that: (1) the notice shall be published at least twice a month for such period, not less than three months without good cause shown, as the court orders, and the notice shall require the parties to appear on or before the day fixed in the notice to appear; and (2) an order, judgment or decree may not be entered against the parties unless the court is satisfied that due diligence has been used to ascertain the unknown heirs.

THE WASHINGTON INFORMER

LEGAL NOTICES

LEGAL NOTICES

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA Probate Division Washington, D.C. 20001-2131

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA Probate Division Washington, D.C. 20001-2131

Administration No. 2016 ADM 1132

Administration No. 2016 ADM 1128

Elaine Greene Decedent

Wilhelmina B. Walden Decedent

Nigel L. Scott, Esquire 7306 Georgia Avenue, NW Washington, DC 20012 Attorney

Shanelle C. Patterson 1455 Pennsylvania Avenue, NW Suite 400 Washington, DC 20004 Attorney

NOTICE OF APPOINTMENT, NOTICE TO CREDITORS AND NOTICE TO UNKNOWN HEIRS

NOTICE OF APPOINTMENT, NOTICE TO CREDITORS AND NOTICE TO UNKNOWN HEIRS

Vybert Greene, whose address is 63 Silo Range Road, Orland Park, IL 60467, was appointed Personal Representative of the estate of Elaine Greene who died on April 16, 2015 without a Will, and will serve with Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance in this proceeding. Objections to such appointment shall be filed with the Register of Wills, D.C., 515 5th Street, N.W., Building A, Third Floor Washington, D.C. 20001, on or before April 13, 2017. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before April 13, 2017, or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its first publication shall so inform the Register of Wills, including name, address and relationship.

Deborah J. Walden, whose address is 1200 45th Place SE, Washington, DC 20019 was appointed Personal Representative of the estate of Wilhelmina B. Walden who died on January 7, 2016 with a Will, and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance in this proceeding.

Objections to such appointment (or to the probate of decedent’s Will) shall be filed with the Register of Wills, D.C., 515 5th Street, N.W., Building A, Third Floor Washington, D.C. 20001, on or before April 13, 2017. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before April 13, 2017, or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its first publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: October 13, 2016

Date of first publication: October 13, 2016

Vybert Greene Personal Representative

Deborah J. Walden Personal Representative

TRUE TEST COPY

TRUE TEST COPY

Anne Meister Register of Wills

Anne Meister Register of Wills

Washington Informer

Washington Informer

NOTICE!

Commercial Commercial _______________with all inherent rights____________________________

NOTICE! to all Municipalities. Local and National Governments. STATES. U.S. Agents. Attorneys. Corporations. Persons. Vessels. Counties. Militaries.

Courts. United States of America. UNITED STATES. UNITED NATIONS. and to Territories in Possession of UNITED STATES. United States d/b/a Department of Home Land Security. United States Treasury Department. United Nations and United Nations Security Counsel. Vatican. Indian tribes, Associated Bands and Clans. The following election to Occupy the Office of General Executor for JACQUELINE DENISE BROWN, Estate was held in the City of Washington, District of Columbia on July 4, 1960. For which “I” Jacqueline Denise family Brown, a America National, A woman standing on the land Amexem/North America.

I have now accepted the position of General Executor, and General Guardian of the divine Estate gifted and granted me by the Divine Creator. Therefore, I affirm and declare that upon occupying this office, I will not be responsible for the payments of any debts or obligations of the United States of America and neither for any payments or Obligations of any debts for any United States Person/citizen. =============================================== By, ____Jacqueline Denise Brown.

GENERAL EXECUTOR ===============================================

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WHITE HOUSE from Page 1 help her with her harvest and to literally enjoy the fruits of their labor as they later ate some of the food they picked.

“I take pride in knowing that this garden will serve as a reminder of what we all started, but also what we all have left to do,” Obama said at the dedication ceremony, “and as we dedicate this garden here today, I am hopeful that the future first families will cherish the garden like we have, and that it will become one of our enduring White House traditions.”

Updates to the garden include bluestone walkways, a wooden arbor, tables and benches and an inscribed stone that reads, “White House Kitchen Garden, established in 2009 by First Lady Michelle Obama with the hope of growing a healthier nation for our children.”

The tables, benches and arbor were designed by students at the University of Virginia’s School of Architecture with salvaged wood from the estates of four presidents Thomas Jefferson, James Madison and James Monroe and Civil Rights leader the Rev. Mar-

FARMERS from Page 14

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fruit piles.

"The first being that the fruits that we source are not that common in the states and they do not have the market for it," he said. "Second, a lot of the fruits require processing in order to make it safe for exporting and that is something that small farmers can't afford to do. They sometimes end up selling them to brokers for an extremely inexpensive price."

Prior to starting Caribé Exotic more than two years ago, Solis said he spoke with a farmer who told him that he usually sells his mangoes for one to three Dominican pesos, equivalent to two to seven cents in the United States.

"When comparing this to the United States where mangoes are sold for $1 to $3, it gave me the inspiration to start the company," he said.

Currently, the government of the Dominican Republic is working with farmers to create

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tin Luther King, Jr. Originally spanning 1,100 square feet, the garden has expanded to more than twice that size.

The changes and donation are a part of Obama’s efforts to ensure future first families get an opportunity to enjoy the garden.

The garden was the beginning of Obama’s “Let’s Move!” initiative – a campaign to get children across the nation healthier by being active and making healthier food choices.

Along with the children participating in the harvest were a few celebrities, including TODAY show Al Roker, Grammy Award-winning singer Ashanti, seven-time NBA All-Star Alonzo Mourning, astronaut Kjell Lindgren and Sesame Street’s Elmo and Rosita.

Michelle Obama said she wanted two students from Flint, Mich., to attend the final harvest to reinforce the concept that good nutrition can reduce the effects of exposure to lead contaminated water. So, fourth grader A’layia Howard and fifth grader Xavier Purches from Freeman Elementary School were among the students.

Freeman Elementary School is

a part of the “Let’s Move! Salad Bars to Schools” program – an initiative that donates salad bars to schools so children across the nation have daily access to fresh fruits and vegetables.

A’layia and Xavier said they were sleepy from their 5 a.m. flight, but the kids perked up after eating pizza made with vegetables they harvested. Excited and appreciative, A’layia showed off a cartwheel and full split for the first lady.

Freeman fifth grade teacher Kathy Savoie said the countdown to the visit was exhilarating for the students.

“We would meet at lunch and we would talk about what we were going to do, what was going to happen and maybe some questions they might get asked, just to make them feel more comfortable,” Savoie said.

“And every day they would go down the hall and say, ‘Three more days, two more days.’”

The trip to the White House was the first time the students have been out of state or on an airplane she said.

Obama gave the children hugs and a motherly send off when the garden pizza was finished and

a consortium they hope will allow them to create leverage and negotiate better deals.

While that could take time, Solis said his company continues to look for ways to partner with the government to support farmers by helping them to obtain certifications that will allow them to compete in the international market.

For every bottle of juice Solis's company sells, he donates 20 percent of the proceeds to small Dominican farmers — funds they'd otherwise struggle to obtain, Solis said.

Also, as his company has grown, Solis has been able to buy the production's worth of some farmer's entire fruit plantations, he said.

"That is what our brand is about, we want to be able to replicate that system in other countries," Solid said. "However, in order to do this, we have to build a demand for our brand in the U.S. as well as awareness. It makes us extremely happy to see the smiles on the farmers' faces when we give them these opportunities and help them succeed.

"It is our hope that we will create these opportunities for other countries, sharing the hidden beauties that they have to offer," he said.

WI

DIAPERS from Page 5 diapers.

Bonds noted that New York, Connecticut and Illinois each repealed tampon taxes earlier this year while California tried unsuccessfully to follow suit.

In most states, items that are considered necessities are exempt from sales tax.

In the District of Columbia, prescription and nonprescription drugs including Viagra, along with items such as pacemakers, wheelchairs, crutches and artificial limbs, are all exempt from sales tax.

Currently, five states — Maryland, Massachusetts, Pennsylvania, Minnesota and New Jersey — have actively chosen not to tax tampons while Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Pennsylvania have chosen to exempt diapers from sales tax.

Additionally, Connecticut, Maryland and North Dakota exempt adult diapers.

"Eliminating a tax on these products will naturally have an impact on tax revenue, but it will also have a tremendously positive impact for low- to moderate-income women and their families," Bonds said, noting that she didn't immediately have an estimate on how much tax money the District would lose if the measure passes.

"I consider it a first step to gender equity for women regarding necessities for life," she said. WI

WWW.WASHINGTONINFORMER.COM

JACKSON from Page 26

important to communicate an inclusive organizational culture — one that ensures diverse candidates are welcome and successful at the organization.

As an African-American woman, I know the road to the C-suite can be a difficult journey, and even uncertain.

But a willingness to take risks and step outside one's comfort zone is critical for aspiring executives. Embracing one's role in an unfamiliar or challenging environment is the only way to grow and gain respect from senior leadership.

When it comes to diversity among health care leaders, we have much more work to do.

But if organizations commit to pulling the best and brightest diverse talent to the top, and if promising minority candidates continue to strive upward, we can create a health care system in which our leaders better represent the backgrounds and interests of the patients we serve. WI

Massachusetts, who encouraged the White House in the aftermath of the housing crisis to create a financial regulator for America's consumers.

"Payday lending is an enormous problem for far too many people," Warren said.

"Billions of dollars are flowing out of communities that can least afford it and directly into the pockets of some of the sleaziest lenders in America."

For several years, payday lending reforms have been a prominent part of the research and advocacy by the Center for Responsible Lending. Among CRL's key payday loan findings: - Each year, $4 billion in excessive fees are drained from the pockets of payday borrowers; - Over 75 percent of these fees are generated by consumers who are trapped into debt with 10 or more loans per year; and

- Nearly 1 in 4 payday borrowers rely upon public assistance or retirement benefits as a major source of income.

"To get it right, the CFPB must base its determination of whether a loan is affordable on whether a borrower has enough income, after the new loan payment, to meet basic needs like food, housing and transportation," said Mike Calhoun, CRL president. "And the rule must be airtight — we are talking about an industry as notorious as any for exploiting loopholes in laws aiming to rein them in, and wreaking true financial ruin on working families in the process.

"Without meaningful upfront underwriting and strong protections against loan flipping, lenders can trap borrowers in high-cost debt for years on end," Calhoun said.

WI

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MARYLAND from Page 26 example, make up just over 3 percent of practicing physicians nationwide, and a 2014 survey of 5,300 MBA candidates in the United States found that only 6 percent identified as black.

Working toward greater representation of women and minorities in health care leadership roles is not only the right thing to do, it's also a care imperative. Consider that 32 percent of hospital patients in the U.S. belong to racial and ethnic minorities, and that each patient experiences the health care system differently based on his or her unique history, environment, cultural background and personal beliefs.

If health care providers are serious about offering culturally competent, community-based solutions, having leaders who can implement organizational strategies that meet patients where they are and advocate for the needs of

CROWELL from Page 26 from becoming entrapped."

This strong Congressional appeal continues the calls for fair lending that has included clergy, consumer advocates, civil rights organizations and others.

For example in late September, Rev. Dr. Cassandra Gould, executive director of Missouri Faith Voices, spoke to a Sept.

27 nationwide call with concerned clergy and consumer advocates.

"We have to pull the veil off unscrupulous lenders so they stop preying on people in our congregations and communities to make sure the Consumer Financial Protection Bureau puts forward and enforces a strong and effective rule," Gould said.

Also present at the gathering was Sen. Elizabeth Warren of

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Not only is this approach good for patients, it's good for the continued strength and sustainability of health care organizations. In a 2015 survey of health care executives, 72 percent reported that diversity enhances care equity, 71 percent believed cultural differences within management teams foster successful decision-making, and two-thirds said diverse leaders can help an organization reach its strategic goals.

To take advantage of these benefits, health care providers should consider a number of measures to boost the share of women and minorities in their executive ranks, from making stronger efforts to advance female and minority candidates from within to promoting health care management as a career among diverse audiences. And all along the talent pipeline, it's critically

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Voting Rights Act. We can't afford to leave these choices to the next president, no matter who is elected. We can't let a Congress corrupted by big money and entrenched lobbies set the agenda. Citizens in motion must force the vital and the just onto the next president's and the next Congress' agenda. We will decide by what we do, or by what we decide not to do. One thing is clear from the debate Sunday night: It is time to organize. WI

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ing segregation of public accommodations; the civil rights movement forced that onto his agenda. Lyndon Johnson thought continuing the war in Vietnam would protect him politically. The antiwar movement changed that calculation.

Today, Black Lives Matter has forced criminal justice reform onto the agenda of both parties. The Fight for $15 has pushed that minimum wage

hikes in cities across the country. Immigration reform is part of Clinton's first 100-day plan because citizen movements have forced it there.

The next president will make fateful decisions about war in the Middle East, about how to get the economy moving, about Supreme Court nominees, about getting health care costs under control, about climate change, about growing, unsustainable and extreme inequality, about reviving the

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EDELMAN from Page 27 Supreme Court Justice Thurgood Marshall, immediately recognized the Ohio laws as yet another 21st century tactic for disenfranchising black and other non-white voters — what Frederick Douglass might have called "the same old snake."

In his dissent, Keith wrote: "The utter brutality of white supremacy in its efforts to disenfranchise persons of color is the foundation for the tragedy that is the majority's effort to roll back the progress of history. I will not forget. I cannot forget — indeed America cannot forget — the pain, suffering and sorrow of those who died for equal protection and for this precious right to vote."

Judge Keith shared profiles of 36 "martyrs of the struggle," black

MALVEAUX from Page 27 panding it.

According to Politico, Paul Ryan thinks that a divided government contributes to gridlock.

He'd be happy if the presidency, the House of Representatives and the United States Senate were all controlled by Republicans. What about the rest of us?

Does he see our voice in this?

Not according to Ryan. He tells Politico, "I'm tired of divided government. It doesn't work very well."

He seems to ignore the fact that there are legitimate differences among legislators and that these differences need to be worked out. He is uninterest-

ASKIA from Page 27 Each week you’ll get news from The District of Columbia, Prince George’s County, Montgomery County, and Northern Virginia.

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point, "the devil." That's rough stuff and it feeds into the "Hillary For Prison" T-shirts popular at Trump rallies.

A Muslim woman in the debate audience of undecided voters chosen at random asked about Islamophobia and if there is an equal place for Muslims in the U.S. in the future. Trump said that Muslims "have to report" suspicious behavior by "radical Islamic terrorists," their families and neighbors in order to earn trust in a Trump-led America.

The Republican Party is in shock. Trump is turning out to be a worse nightmare than was ever predicted just before "Never Trump" forces conceded defeat at the RNC convention this summer. Now, there are dozens and dozens of new denunciations from shocked Republican

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and white men and women who were murdered while fighting for voting rights.

"With every gain in equality, there is often an equally robust and reactive retrenchment," he wrote.

"We must never forget that constant dialectical tension. … These efforts are hardly insignificant or negligible. They are, for their proponents, necessary and highly deliberate. It is my hope that when future generations look back on these decisions, they conclude that we were on the right side of history. But today I fear that we were not."

Some states are committed to doing the right thing: California, for example, has passed legislation making it easier to register to vote and this year has recorded its highest number of registered voters ever. Ohio is one of a number of

states on the wrong side of history today where the right to vote is under deliberate assault. In some states, including Texas, North Carolina, Wisconsin, Michigan and Kansas, courts have ruled the latest attempts at disenfranchising voters unconstitutional.

But we can never let our guard down when any state is being affirmed in its calculated attempts to shut out some voters and make it harder for citizens, especially people of color, to exercise their constitutional right to vote. The successful attack on non-white voters in Ohio is an attack on all of us and our democratic process.

We must fight against every new effort to turn back the clock on racial and social justice, and everyone who has the hard-won right to vote must never take it for granted and must always use it. WI

ed in compromise. Instead, he wants to shove his position down the throats of other people.

Paul Ryan has explicitly called Donald Trump a racist. He has eschewed many of his policies.

Other Republicans have been openly repulsed by their bellicose standard bearer and disturbed by his racist bluster and his wacky rhetoric, but they have thrown their discernment to the wind, embracing the man they have described as a rabid racist, because they prefer him to an embrace of integrity.

As we count down to the Nov. 8 election, people are coming forward to say they are either undecided, conflicted or would rather vote for a third-party can-

didate, because they can't tolerate Clinton or Trump. The bottom line is that either Clinton or Trump will win the presidency.

Really. Those Republicans who support Trump are openly supporting evil. They will dance with the devil to their detriment.

African-Americans, especially, need to look at what Trump has promised. He has promised discrimination. He has described our lives as hell. He has been a bully and a documented discriminator. He has been too much. He should be enough to repel us. Paul Ryan has called Trump a racist, but he is willing to dance with the devil because it serves his purposes. What about you? WI

officials.

House Speaker Paul Ryan (R-Wis.) announced that he would not appear at any campaign event with Trump, nor would he defend his comments.

Neither of the living former GOP presidents is supporting Trump, and neither of the two previous Republican presidential nominees has signed on with Team Trump.

In this campaign, Trump has become the Merchant of Malice, and it doesn't matter what any of his critics say about him ever, because his DNA does not have an embarrassment gene.

Even though Clinton opened up a double-digit opinion poll lead immediately after the debate, the electorate is very fluid and the times are very volatile.

Some of the blind support for Trump is rooted in white supremacy, in race hatred.

"Whenever there's been a

push and overwhelming show of political power by people of color, there's been a backlash," professor Gloria Browne Marshall, who teaches Constitutional Law at John Jay College of Criminal Justice, told me. "In this country, people are under the uninformed notion that this is supposed to be a white country for white people alone, and anything that comes to anyone else should be crumbs from the table."

Donald Trump represents the restoration of that white identity to its "rightful" place, dominating the U.S. political, cultural, social, and economic scene.

That's probably why Trump appears to remain unfazed by the deepening ditch his campaign his driven into. Unfazed, except for his inability to resist condemning Republican officeholders who refuse to support him.

WI

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