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President Barack Obama and GOP challenger Mitt Romney are locked in a closer battle for the White House following Romney’s surprising performance during the first presidential debate at the University of Denver on Oct. 3. Blacks and Latinos, however, continue to support the president in significant numbers. See Page 10. /Courtesy Photos
Black and Latino Voting Blocs Flex Political Muscle By Barrington M. Salmon WI Staff Writer Blacks and Latinos are solidly in the corner of President Barack Obama in the upcoming elections. In 2008, 96 percent of Blacks and 67 percent of Latinos voted for Obama. He’s going to need
that support again on Nov. 6 to beat back the challenge of Mitt Romney, in a race that’s too close to call. The significance of these voting blocs was one of several issues raised in a spirited discussion among a panel of experts, “The 47 Percent Town Hall Meeting - Brown v 2012 Elec-
tion: The Impact of the Minority Vote.” Tomorrow is Today, a Northwest-based non-profit dedicated to social change and economic development, hosted the event which was carried live on CNN. Dorinda White, of Tomorrow is Today, prefaced the Tuesday, Oct. 2 panel discussion at the
Civil War Museum in Northwest with data on voter suppression efforts by Republicans. Fourteen states have passed 25 measures restricting the right to vote. Those most affected live in states with the fastest growing black and Latino populations. As many as five million eligible voters could be barred from voting.
Visit us online for daily updates and much more @ www.washingtoninformer.com. Debates Answer Few Questions Page 10
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White and CNN political analyst Roland Martin – who served as moderator of the standingroom only event – said minority voter participation is pivotal in the upcoming elections. Panelists pointed to the impact of changing demographics
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PEPCO Edison Place Gallery Host “Courage on Canvas” Founded in 1996, Life Pieces To Masterpieces is an arts-based, year-round, comprehensive youth development and character education organization for African-American males. It teaches integrity, character development, and leadership skills. The group takes its name from the unique, homegrown style of art that the apprentices collectively create. The art style was developed by Ward Seven native Larry Quick, co-founder of Life Pieces To Masterpieces, who grew up in public housing. Sixteen years later, this art process continues to help the young men connect with each other and reflect on their life experiences and challenges. For the last six years, 100 percent of Life Pieces’ apprentices have graduated high-school and have gone onto post-secondary education, the work force, and/or the military. The Edison Place Gallery exhibition began with an evening on the red carpet last Thursday evening. Most paintings in Life Pieces’ catalog are available for purchase or lease through the Corporate Art by Life Pieces program. The Pepco Edison (L-R) Mary Brown (Ex. Dir. & Co-FounderLife Pieces) & Debbie Jarvis (VP Pepco Holdings)
Place Gallery is located in Pepco’s Edison Place headquarters at 702 8th Street, NW, Washington, DC. The entrance to the Edison Place Gallery is on Eighth Street between G and H streets, directly behind the Pepco headquarters entrance. For more information go to http://www.lifepieces.org
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Larry Wade, right, a member of Alpha Phi Alpha Mu Lambda Chapter and Chris Fredd, left, a member of Alpha Phi Alpha Beta Chapter, register new voter, Chinwe Mbanefo, center, at the Pentagon Metro Station in Arlington, Va., on Saturday, Oct. 6. /Photo by Roy Lewis
PRINCE GEORGE’S COUNTY Page 12 BUSINESS William Reed’s Business Exchange Page 16 COMMENTARIES Pages 24-25 HOROSCOPES Page 28 SPORTS Pages 30-31 RELIGION Lyndia Grant’s Religion Column Page 33
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Women Break the Cycle of Domestic Violence By Tia Carol Jones
law enforcement. She said they threat,” she said. had come together to bring a Among the programs Marlow sense of uniformity in the way wants to see implemented are When L.Y. Marlow's 23-year- domestic violence victims and stricter restraining order policies, old daughter told her the father survivors are treated. more rights for victim's families of her daughter threatened her “She's using her own personal to intervene on behalf of a viclife, and the life of their child, story, her own personal pain to tim, a domestic violence assessshe knew something had to be push forward,” Davis-Nickens ment unit coupled with further done. Out of her frustration said about Marlow. training for law enforcement with law enforcement's handling Davis-Nickens said anyone agencies, a Child's Life Protecof the situation, she decided to who reads Marlow's book will tion Act and mandatory counselstart the Saving Promise cam- “get it.” She said she “puts the ing for batterers. paign. case in such a way, the average “If we are ever going to eradi“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 event was said. Charlene M. Dukes, president, Prince George’s College. /Courtesy Domestic Violence Symposium MildredCommunity Muhammad, the ex- Photo Marlow would also like to see on May 7 at the District Heights wife of John Allen Muhammad, programs designed to raise Municipal Center. The sympo- who was sentenced to six consec- awareness among children in sium was sponsored by the utive life terms without parole public and private schools. She Family and Youth Services by a Maryland jury for his role in feels children need to be educatCenter of the city of District the Beltway Sniper attacks in ed about domestic violence. Heights and the National Hook- 2002. Mildred Muhammad is “We have to stop being pasUp of Black Women. the founder of After the Trauma, sive-aggressive with poor chilMarlow has written a book, an organization that helps the dren about domestic violence,” “Color Me Butterfly,” which is a survivors of domestic violence Marlow said. story about four generations of and their children. Marlow has worked to break domestic violence. The book is “I lived in fear for six years. Six the cycle abuse in her allow unemployed workers to detials,” saidofMartinelli, whofamily, added By Gale Horton Gay inspired by her own experiences, years in fear is they a long time. It is and is confident the policies she it creates a win-win situation for velop the skills need to expeWI those Staff Writer and of her grandmother, not an easy thing to come out is pushing for will start that ditiously re-enter the workforce, employers needing trained workher mother and her daughter. of,” she said. ers and the unemployed who need and it can serve as a model for process. George’s ShePrince said every time Community she reads Mildred Muhammad said “I plan to take these policies to jobs. replication.” College [PGCC] planstill to people who want to help a Congress excerpts from herofficials book, she and implore them to He estimated more said. than The grant allows victim the college to change use not a multi-million give domestic can believe the grant wordstocame violence must our laws,”that Marlow 100 individuals will directly benefit provide instruction through mulunemployed veterans and dis- be from her. “Color Me Butterfly” careful of how they go into “I will not stop until these polifromarethepassed.” grant. tiplevictim's avenues: instruction, cies won 2007 fast-track Nationaltraining “Best the placedthe workers life,virtual and understand He described thecan program’s apBooks” Award. in the informa- that interactive simulations, and she may be in online “survival Tia Carol Jones be reached for opportunities “I technology was just 16-years-old when mode”. proach as “innovative” and said real-world problem-solving chal- at tiacaroljones@sbcglobal.net tion field. myThe eye Maryland first blackened my “Before get to 'I'mbetween going that in some cases six courses will lenges andyou collaboration Higherand Educalips bled,” Marlow said. to kill you,' it started as a verbal beWI condensed into 16 weeks of tion Commission selected PGCC students and instructors. Elaine Davis-Nickens, presionline training. PGCC also will seek to establish to receive the $2.5 million grant dent of the National Hook-Up “It allows these people who agreements with four-year institufrom theWomen, U.S. Department of Black said thereofis Lano have to train for a new career to tions in Maryland to enable stubor to develop Information consistency in thetheway domestic come out with all the certifications dents who complete the program Technology Education Career violence issues are dealt&with by to show they are qualified,” said to continue their education and Pathway program. The goal of the Cheryl Green, director of PGCC’s non-credit program is to provide training. Joe Martinelli, vice president of Office of Grants and Resources. accelerated training in computer The program is designed to extechnology, networking and cy- workforce development and continuing education at PGCC, said pand education training options bersecurity. Rather than take two to four the first six months of the grant for veterans and displaced workyears to earn a degree, students award period will be spent devel- ers, Green said. “It opens up a whole new can achieve IT certification in 16 oping the programs and by sumworld,” said Green of the oppormer 2013 it should be available to weeks through the program. tunity the program creates for parstudents. The training will be directed at ticipants. Martinelli said that the Departunemployed workers, veterans, Established in 1958, Prince displaced and disadvantaged citi- ment of Labor identified the IT George’s Community College profield as one in which jobs are curzens and victims of foreign outrently available and will continue vides transfer and career programs sourcing. “Prince George’s Community to be for the next five years. The that help students transfer to fourCollege is committed to develop- training that PGCC will provide year colleges and universities and ing a well-trained workforce to leading to certification will prepare prepares them for the workforce. students take meet the needs of the county, state individuals for entry-level posi- Each year, 40,000L.Y. Marlow part in more than 200 academic and region,” said Charlene M. tions. “The main thing is that students programs and workforce developDukes, president of PGCC. “The grant will provide instruction for will come out of this program ment and continuing education in-demand technology fields that with industry recognized creden- courses. wi WI Staff Writer
Grant to PGCC to Provide Fast-track IT Training
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4 Oct. 11, 2012 - Oct. 17, 2012
“
We have to stop being passive-aggressive with poor children about domestic violence. I plan to take these policies to Congress and implore them to change our laws. I will not stop until these policies are passed.
“
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D.C. State Board of Education board member Trayon White, center, prays with members of his team in Southeast before they start to knock on doors and ask voters for their support on Saturday, Oct. 6. /Photo by Khalid Naji-Allah
301.292.9141/FAX 301.292.9142/Mobile 703.819.0920 doris@mcmilloncommunications.com/www.mcmilloncommunications.com
D.C. Political Roundup By James Wright WI Staff Writer Pannell Slams White Ward 8 D.C. State Board of Education candidate Philip Pannell recently pointed out that Trayon White, the incumbent, hasn’t attended board meetings on a regular basis for five months. Pannell, 61, alerted media via email on Wednesday, Oct. 3 about a listing that showed dates where White failed to attend regularly scheduled work sessions. White defeated Pannell in a special election in April 2011 to replace the late William Lockridge on the city’s school board. “I requested the attendance roster of the working sessions of the State Board of Education members,” Pannell said. “… Trayon White of Ward 8, was absent for eight of 17 working sessions. His absenteeism is an issue in my campaign.” Pannell obtained the information from Keinde Thomas, a staffer for the board. The email showed that the last board meeting that White attended was Feb. 22, and the board meets monthly with the exception of the August recess. White, who has the support of D.C. Council member Marion Barry [D-Ward 8], disputed Pannell’s claims. “His accusations are untrue,”
said White, 28. “The information that he publicized is not true. Those are not the facts.” White declined to go into detail about the inaccuracy of Pannell’s assertions, but he said that the board has special meetings and other sessions that he has attended. When asked about his lack of attendance at community meetings to discuss various issues that pertain to Ward 8, White said “that is not true, either.” “I’m everywhere.” Norton Supports Referendum A move by the D.C. Council to put a measure on the ballot in 2013 that allows the District to enact its own budget without the approval of the U.S. Congress has the guarded support of D.C. Del. Eleanor Holmes Norton. Interim D.C. Council Chairman Phil Mendelson (D) introduced the charter referendum bill that would amend the D.C. Home Rule Charter to allow budget autonomy on Tuesday, Oct. 2. The introduction of this type of legislation by the D.C. Council is unusual because District issues that relate to the federal government are usually handled by Norton. DC Vote, a non-profit in Northwest, that supports expanding the political rights of District residents and D.C. Appleseed, a Northwest-based think
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tank that deals with city issues, has embraced the referendum. If the referendum passes, the U.S. Congress has 35 working days to disapprove it and President Barack Obama would have to sign the disapproval resoluDenise Rolark Barnes tion, which, if he is re-elected, is Independent Beauty Consultant unlikely. www.marykay/drolark-barnes.com Some Republicans such as 202-236-8831 former Rep. Thomas Davis and Rep. Darrell Issa [R-Calif.] have expressed interest in granting the city budget autonomy. Norton, 75, said in a statement through her press secretary, that she would support what the city wants and urges District residents to vote “yes” for budget autonomy next year. “She continues to pursue a budget autonomy bill in Congress in order to preserve the bipartisan congressional support that has been building and that may prove necessary, considering the many difficult issues raised by the referendum, and to preserve the city’s options on other D.C. matters,” according to the statement. “She does not intend to give opponents of budget autonomy ‡ Please set all copy in upper and lowercase, flush left as indicated on artwork at these point sizes: Consultant name in 11-point Helvetica Neue Bo a roadmap by discussing matters Beauty Consultant in 9-point Helvetica Neue Light; Web site or e-mail address in 9-point Helvetica Neue Light; phone number in 9-point Helvetica To the Independent Beauty Consultant: Only Company-approved Web sites obtained through the Mary Kay® Personal Web Site program may that can be used against the District. Whether through legislation or referendum, where there is no clear path or easy path to budget autonomy.” wi The Washington Informer
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October 11 1820- The “Emancipator,” the first anti-slavery magazine, was issued monthly from April 30 to October 31, 1820. It was edited and published by Elihu Embree. 1888 - Sargent C. Johnson, pioneering artist of the Harlem Renaissance known for his wood, cast stone, and ceramic sculptures, was born. 1889 - William Owen Bush (1832-1907) was the first black elected to the Washington legislature. 1993 - Writer, Toni Morrison, was awarded the Nobel Prize in literature. October 12 1932 - Richard (“Dick”) Gregory was born. 1972 - Forty-six Black and white sailors injured in race riot on the aircraft carrier Kitty Hawk of North Vietnam. 1999 - Basketball legend, Wilt Chamberlain, died, he was 63. October 13 1901 - First Black delegate to United Nations, Edith Sampson, was born. 1924 - Nightclub comedian and actor Nipsey Russell was born in
Buffalo, NY. 1926 - First Black naval aviator, Jesse Leroy Brown was born. 1970 - Angela Davis arrested in New York City and charged with unlawful flight to avoid persecution for her alleged role in California courthouse shoot-out. October 14 1864 - The first African American daily newspaper, the New Orleans Tribune is published in both French and English. 1902 - Dr. Davis, a leading social anthropologist and educator, challenged the cultural bias of standardized intelligence tests. Dr. Davis argued that Black’s low scores were not the results of lower intelligence but the result of middle-class cultural bias posed in the questions. 1958 - The District of Columbia Bar Association votes to accept African Americans as members. 1964 - Martin Luther King Jr. activist and civil rights leader became the youngest man ever to win the Nobel Peace Prize. October 15 1883 - U.S. Supreme Court declared Civil Rights Act of 1875
unconstitutional. 1949 - William Hastie nominated for the U.S. Circuit Court of Appeals. He was the first Black to sit on the court. 1974 - National Guard mobilized to restore order in Boston school busing crisis. 1991 - Judge Clarence Thomas is confirmed as the 106th associate justice of the U.S. Supreme Court, its second African American. October 16 1901 - Booker T. Washington dined at the White House with President Roosevelt and was criticized in the South. 1968 - Sprinters Tommie Smith and John Carlos give Black Power salute during medal ceremony at the Olympic Games in Mexico City. 1973 - Maynard Jackson elected mayor of Atlanta. 1995 - Nation of Islam’s Minister Louis Farrakhan called over one million black men together in Washington DC for “A Day of Atonement and Reconciliation”. The day called for black men to take charge of their lives and communities by showing respect for themselves and devotion to their families. October 17 1787 - Prince Hall submitted, to the State Legislature of Boston, Massachusetts, a petition asking for equal educational rights. His petition was not granted. 1888 - The first bank organized for Blacks was the Capital Savings Bank of Washington D.C. 1969 - Dr. Clifton R. Wharton Jr. elected president of Michigan State University and became the first Black to head a major, predominantly white university in the twentieth century.
Call Allen Wilson: 202 -508-3794 DC | 212-714-0300 NYwilsonallen3@aol.com
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INTERVIEWS AND PHOTOS BY ELTON J. HAYES
Viewp int
Christylez Bacon Washington, D.C. Not really. I already knew who I liked and the direction [in which] I want [to see] this country go. Mitt Romney showed [me] that he isn’t trustworthy. He sways in the wind on his political opinions and on the issues. So, no, the debate didn’t affect or change my opinion. I already knew which candidate I liked well before [the presidential debate took place].
Funlayo Alabi Columbia, Md. My opinion didn’t change. Debates are so subjective in terms of how the questions are asked and how each candidate responds. I’ve been tracking my candidate over the past couple of months, and I already have all of the information needed that will help me make a decision. To me, the debates are just the icing on the cake.
around the region DID THE PRESIDENTIAL DEBATE CHANGE YOUR OPINION OF EITHER OF THE CANDIDATES?
Soyini George Washington D.C. The debate did not change my opinion. I actually formed my opinion a while ago about [the candidate] who I am going to vote for. The debate was just a way for me to confirm my original opinion. I didn’t watch the debate to judge who won or lost, I watched to hear what they had to say about what they plan to do. And to me, that’s more important.
Bill Campbell Berwyn Heights, Md. It didn’t change my opinion at all. When you look at all of the things that President Obama has faced over the past four years, and his results, there’s nothing that was said that will prevent me [from giving him credit]. Plus, it’s hard to debate a guy who will say anything at any given time and won’t stand [by] what he says,
Maurice Glenn Columbia, Md. I watched [the debate] to see if there would be something that could change my initial decision, but I did not like Romney’s ideas on taxes and health care. I like President Obama’s [plan on taxing members of the upper class] a little bit more because I think it will help even things out economically. But I didn’t hear anything from Romney in the debate that changed my initial decision and opinion
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AROUND THE REGION
A standing-room only crowd listened to a panel of black and Latino experts discuss both groups’ burgeoning political power that will play a pivotal role in the Nov. 6 elections. E. Faye Williams served on the panel at the Civil War Museum in Northwest on Oct. 2. /Courtesy Photos
DIVERSITY continued from Page 1 in America; the need to be less reactive; focusing on workable strategies that maximize their numbers; and having people on the streets and in the suites. “Our community really got engaged and motivated. We talked a lot about change and voted for change,” said Ron Busby, president of the U.S. Black Chamber, Inc. “This vote is about guarding that change we voted for in 2008.” Panelists said both groups share more similarities than differences. Neither group is a monolith, they argued, and any one person’s political position is generally more nuanced and may reflect progressive and conservative elements, such as someone who is socially liberal but who also supports school choice and the School Reform Movement. Clark Crook-Castan, of the U.S.-Mexico Chamber of Commerce, reminded the audience that the only constant in life is change. “If you’re conservative, you’re probably on the wrong side of it, and if you’re liberal, you’re probably too far ahead of it,” he said. Several of the nine panelists, who also included Estuardo Rodriguez and Brent Wilkes criticized both Republicans and Democrats. “Is it racism or laziness?” asked media personality and Republican commentator Lenny McAllister. “There’s a segment
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of politicians who take our votes for granted. They make laws not in our best interest. We need responsiveness from [them].” McAllister, host of the radio show, “Get Right with Lenny McAllister,” said, he fears that the overwhelming support Latinos and blacks give Democrats may impede their negotiating ability. Clarissa Martinez de Castro said she wants “both parties to fight for our vote.” “… This should not be a partisan debate,” said Martinez de Castro, director of Civic Engagement & Immigration with the National Council of La Raza. “We don’t want to be neglected or taken for granted. They are not taking positions that energize our communities. Our voters are not being given a choice.” She grimaced at one point. “This conversation gives me heartburn,” she said. “It’s very insulting to think that Latinos can’t speak to other people’s interests. We want to see Latinos represented in proportion to our numbers. This conversation hurts our communities.” Labor leader Hector Sanchez said Republicans have alienated Latinos, while Democrats have chosen not to expend political capital on passing, for example, the Dream Act. “Democrats need to play offense and stop playing defense,” said Sanchez, executive director of the Labor Council for Latin American Advancement in Northwest. “Immigration has not been a priority. It’s un-
acceptable the level of racism, anti-immigrant statements and attacks on labor and education [from Republicans]. We need to be more aggressive.” McAllister said Republicans have made a political calculation. “The reason why we see the war on women, labor and minorities is because they drive the vote,” he said. “Fifty percent of African Americans live in the South – red states. You have to change the paradigm, not just see this through the prism of race.” Alex Nogales said Republicans continue to ignore a potent population. “Latinos are overly fond of the president and not fond of the other party,” said Nogales, president and CEO of the National Hispanic Media Coalition, based in Pasadena, Calif. “Republicans have been very consistent in the message of hate in terms of the Latino community. There is no real choice. They will take us to a place we don’t want to go, especially when the other candidate says 47 percent consider themselves as victims.” President of the National Council of Black Women, E. Faye Williams, stressed coalition building. “Dr. [Martin Luther] King spoke of a coalition of women, the poor, brown and black,” she said. “We cannot get all of what we want unless someone gets all of what they want. Usually, we wait until the last minute to come together.”wi www.washingtoninformer.com
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David Bositis, senior political analyst at the Joint Center for Political and Economic Studies, chats with Armstrong Williams, a conservative political commentator, at the Center in Northwest, before the presidential debate on Wednesday, Oct. 3. /Photo by Khalid Naji-Allah
Romney Trumps Obama in Debate
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Around the Region
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By Barrington M. Salmon WI Staff Writer Following the first debate between President Barack Obama and Republican challenger Mitt Romney, talk show host Bill Moyers said: “Romney was widely lauded as the winner of the first presidential debate. The loser, many agreed, was the truth…” Both men clashed at the University of Denver on Wednesday, Oct. 3, offering their prescriptions on domestic and economic issues before moderator Jim Lehrer. Jill Sheppard-Davenport, and her husband Lee, joined more than 100 people at a debate watch party at the Joint Center for Political and Economic Studies in Northwest. “I enjoyed watching it and definitely approved of Obama’s concentration on substance,” said SheppardDavenport, a mental health specialist who has lived in the District for two years. “Romney engaged the audience but I got a little frustrated because it’s not easy to look at a guy and say the things he did wrong, but I heard a lot more of that from Romney than what he would do going forward.” Conservative commentator and talk show host Armstrong Williams and Steve Walker, deputy national political director of the Democratic National Committee, who engaged in a mini-debate before the telecast, summarized the strong points of the candidates and explained what each needed to do to be deemed successful. “We will continue to have the conversation about where we stand,” Walker said. “We were going off a cliff, losing 800,000 jobs a month. Now we have 30 consecutive months of job growth. We were on the verge of losing all three automakers, now,
they’re healthy and can’t keep up with the demand.” “The economy is not where we need it to be. We’re working on an economy built to last, where everybody gets a fair shot and where it’s a level playing field. With passage of the Affordable Care Act, 52 million people have [coverage], four million young people are on their parents’ health [insurance plans] and women, congrats, you’re no longer a pre-existing condition,” Walker joked. Williams threw participants for a loop with an unsolicited admission. “I enjoyed Steve’s eloquence and praise of the president. I believed in hope and change and voted for Obama four years ago. Don’t be surprised, I’m free,” he said. “Unemployment is not getting any better, we’re losing jobs, not gaining.” Williams said the deficit must be trimmed and that more Americans should take responsibility for their health. “Why should healthy people pay for the unhealthy?” he asked. “We should be rewarded for taking care of ourselves. The best health care is preventive care. We need to exercise, eat well and not smoke.” Viewers watched the debate on two large-screen televisions. Graphs below the debaters charted the reactions of 39 undecided Colorado voters. Afterward, Lee Davenport shook his head and laughed wryly. “I think it’s almost impossible to imagine that our future is in the hands of the six percent who can’t decide anything,” he said. “We’re really putting our hope and faith in them.” Davenport, 37 and an independent contractor, said he praised both candidates for appearing profession-
See debate on Page 22 www.washingtoninformer.com
Question 7 won’t guarantee minority jobs
We’ve heard the empty promises about jobs. But here are the facts about Question 7: Fact #1 – Almost 90% of Maryland construction workers won’t even be eligible to apply for a construction job at the site. Fact #2 – When National Harbor was built, less than 4% of the contracts went to local, minority-owned businesses. That’s why the Prince George’s County Business and Contractors Association opposes Question 7. Fact #3 – The Baltimore Sun says Question 7 is “a bad deal for Maryland.” (Editorial, 9/7/12) They’re selling you a bill of goods. Don’t buy it.
Check the facts. Vote NO on Question 7. www.VoteNoOn7.com Paid for by Get The Facts – Vote No On 7, Brian McQuade, Treasurer
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PRINCE GEORGE’S COUNTY
Seat Pleasant Breaks Ground on New City Center By Gale Horton Gay WI Staff Writer
KID’S CLUB
It proved to be far more than a simple groundbreaking. Seat Pleasant residents, neighbors, city and county officials turned out en masse on Sept. 29 in Goodwin Park to celebrate the start of the first major development in the city in three decades. Along with fiery speeches, the four-hour event included a pre-recorded message from tennis great Venus Williams and live performances by two Grammy Award-winning singers and others. The focus of what several speakers referred to as a historic day was a new “City Center,” set to be de-
veloped on 15 acres in Goodwin Park. The $60 million project will include a new city hall building, a medical mall, a recreation center, a youth center, and residential units for seniors, green space and parking. “Today is the beginning of a great day for Seat Pleasant – a city of excellence,” Mayor Eugene W. Grant told the crowd on a sunny Saturday morning. “The best is yet to come,” he promised. The crowd of approximately 300 jumped up from their seats and clapped during the mayor’s at times passionate speech about a renaissance in the city. Seat Pleasant City Council members Kelly Porter, Johnie L.
Residents view developer plans for the largest green project in Prince George’s County at the Seat Pleasant “City Center” groundbreaking ceremony on Sept. 29. /Photo by Shevry Lassiter
Higgs and ReveralYeargin along with Greenbelt Mayor Judith Davis also addressed those who had gathered on the grounds. Grant and others donned green hard
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hats and in unison – with shovels in hand – turned the rich black soil over once – in a ceremonial gesture that would forever be remembered by longtime residents and Seat Pleasant politicians. “We turn the soil today for our future,” Grant said. The mayor chastised “naysayers, negative people” and said that “many people counted Seat Pleasant out and looked down on this area and community, even some elected officials …” “We will no longer walk around with our heads down,” said Grant. “We will hold it up with pride. We will have dignity.” The city is partnering with Kratos Infrastructure, a developer of large-scale projects that “integrate [and] distribute, renewable energy production with sustainable infrastructure through strategic relationships.” The $60 million project will be financed through a long-term lease agreement between the city and Kratos and its partners. The city has promised that there will be no additional subsidies or property tax increases incurred by residents to complete the project. The city of Seat Pleasant has also gone a step further and pledged more than $100,000 to begin predevelopment activity. The City Center project, which is being described as “green,”is expected to be LEED-Platinum, which is a designation meaning it achieves a high standard in sustainability, water savings, energy efficiency, environmental health and more. The buildings are expected to include energy efficient solar panels and other renewable energy solutions. Williams, founder of V*STARR Interiors, said that she’s currently in talks with Seat Pleasant officials about providing interior design
services for the city hall and the community center. Several people who attended the groundbreaking ceremony said they were pleased to hear about the development. Tomi Bannister, 58, of Montgomery County, said that she supports the mayor. “I think it’s phenomenal for this community,” said Bannister. “All citizens of Maryland deserve the best quality services, and the community is certainly deserving.” A Prince George’s County resident who attended the event agreed with Bannister. Nellie Minor, 75, of Capitol Heights said she has lived in the area for 40 years. “I been waiting for the senior building to come forever,” said Minor. “I think it’s great. I don’t know if I will live to see it finished, but I think it’s great.” Reginald Carnegie, 60, of Seat Pleasant, also said he liked the project and praised the mayor for his leadership. “I think our mayor has really done a great job,” said Carnegie.“I think it’s going to be a blessing. We are headed in the right direction.” After the morning groundbreaking ceremony, the crowd swelled to an estimated 3,500 when performers such as singers Chrisette Michele and Raheem DeVaughn took to the stage. The project is expected to take two years to complete, and design and planning for the City Center begins this month. Grant cautioned the audience that the development will not happen overnight. “You have to manage your expectations,” he said. wi www.washingtoninformer.com
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Gray Promises Reforms to Increase Opportunities for Small Businesses
AROUND THE REGION
By Denise R. Barnes WI Staff Writer
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A record number of cranes crisscross the cityscape daily, razing building throughout the District, yet small business owners continue to plead for an opportunity to participate in the economic boon, as they watch new construction projects break ground throughout the city. To ensure that local business owners get a fair shake, D.C. Mayor Vincent Gray and other city officials have vowed to fulfill the city’s 35 percent small and local business set-aside goal of the $1 billion worth of development projects currently underway and in the pipeline. “We want to make sure our small businesses are a part of that economic resurgence,” Council member Vincent Orange [D-At Large] told a group of nearly 120 business owners who attended a daylong small business summit at the Hamilton Restaurant and John A. Wilson Building on Sept. 28. “I’m all about circulating the dollar in the District of Columbia,” he said. Orange, who chairs the Committee on Small and Local Business Development, said he often hears from small business owners who feel excluded when it comes to District contracts. Orange sponsored the summit, in partnership with the Disadvantaged, Small, Local Business Development Agency [DSLBD], the D.C. Chamber of Commerce, and the Greater Washington Hispanic Chamber of Commerce. Speakers included Gray, Council Chairman Phil Mendelson, Deputy Mayor for Planning and Economic Development Victor L. Hoskins, Department of Small and Local Business Development [DSLBD] Director Harold Pettigrew, D.C. Chamber of Commerce President and CEO Barbara Lang, and Greater Washington Hispanic Chamber of Commerce President and CEO Angela Franco. Small Business Administration officials also attended. “We have more going on here than anywhere in the world, with the exception of New York and China,” said Hoskins. “We need to take a moment and celebrate that,” he said. Gerald Jackson, of Dominion
D.C. Council member Vincent Orange [D-At Large]. /Photo by Victor Holt
Electric of Washington, LLC, a small business located in Northeast, said he attended the summit to network with District government agency heads. “I am trying to get contracts, find people to talk to, learn how to navigate the process,” Jackson said. The 50-year old company is a Certified Business Enterprise [CBE] and is located in a Historically Underutilized Business [HUB] Zone – the categories allow small and local businesses to get “points” or preferences toward bids on government contracts. Gray restated his priorities for the District – education, economic development and jobs. Touting his One City-One Hire initiative, he hailed the success of the Department of Employment Services [DOES] for working to get nearly 5,000 District residents employed since the program launched earlier this year. “DOES use to be the place where you would just go to apply for unemployment. It’s not that way anymore,” said Gray, 69. Despite the District’s long history of promises to broaden contracting opportunities to its local small business community, many contractors said they’re still optimistic. Warner Session, of The Session Law Firm in Northwest, said it’s “necessary” to meet with city leaders and agency directors, and “to continue to keep the dialogue going in order to keep people’s expectations high.”wi www.washingtoninformer.com
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business Business Exchange
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Is Obama Being Bullied? A “power politics” move is currently at play that could set the stage for the end of the world. What is your perspective on whether Iran is seeking a nuclear weapon? Or, are Americans, President Barack Obama, and the Western world being bum rushed into military adventurism? Do you understand that the fate of the species is at stake? Iranian President Mahmoud Ahmadinejad says Israel is “bullying the United States” over the alleged threat of an Iranian nuclear weapon; using the prospect of an Israeli military attack on Iran to force President Obama into military action. Considered “persona non grata” among Westerners, at the 67th U.N. General Assembly in New York City, Ahmadinejad made what is likely his final address to the world
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By William Reed body. As in previous years, Ahmadinejad assailed the United States, Israel and Europe, and called for a new world order. He also said, “Americans should be insulted if their government takes marching orders from Israel.” Ahmadinejad’s perspective is that Israel has no rightful place in the Middle East and is “an inconsequential interloper.” Ahmadinejad’s assessment is that “a few occupying Zionists” are telling the U.S. and President Obama “what to do” concerning Iran’s nuclear issues. The U.S. Senate just voted 90-1 to support the Israeli position, but to be fair, Ahmadinejad made valid points worth considering. For decades, the U.S. has been at Israel’s beck and call. During recent months, Israel has stepped up threats of a unilateral strike on Iran’s nuclear facilities. With the U.S. Congress on its side and elections just weeks away, the pro-Israel lobby is exerting concentrated pressure on Washington to lay down certain “red lines” before Iran. It is with a high level of chutzpah that Israel, which is not a signatory to the Nuclear Non-Proliferation Treaty [NPT], is threatening an NPT signatory state for supposedly not complying with the treaty. Also, according to U.S. intelligence estimates, Iran is “not on the verge of having a nuclear weapon” and has “not made a decision to pursue one.” President Obama is “being bullied” by a premiere power in American politics and popular culture, because he continues to resist military adventures for Israel. Ralph Bunche, an African American, was awarded the Nobel Peace Prize in 1950, for agreements he brought about that started the new state of Israel. Since then, Israel has regularly violated international laws and defied numerous U.N. resolutions.
Most of the world opposes Israel’s policies, and especially its oppression of the Palestinians. Kofi Annan, a Ghanaian who served as the seventh secretary-general of the United Nations, said, “The whole world demands that Israel withdraw from occupied Palestinian territories.” But on these shores, politicians and the media fervently support Israel. For decades, the U.S. provided Israel with critical military, diplomatic and financial backing, including more than $3 billion each year in aid. For more than 60 years, Black politicians who call themselves the “conscience of Congress” have been reliable supporters of Israeli issues and practices. Though Blacks oppose any criticism of Obama, the Israeli lobby openly castigates the president. Amid tension between the U.S. and Israel over Iran’s nuclear ambitions, Israeli-supporters criticize President Obama for “failing to put Israel at ease.” When Obama addressed the U.N. General Assembly, he issued a stern warning to Iran, but stopped short of drawing the “red lines” Israel Prime Minister Benjamin Netanyahu demanded. Some segments of America’s population are saying Obama has “insulted and disrespected Israel.” Through it all, Obama continues to have most Jewish voters on his side. People who say they “have the president’s back” refuse to allow any criticism of Obama will be shocked when they see the Republican Jewish Coalition’s $6.5 million campaign to convince Jewish voters that it’s OK to vote against Obama because of the “defiant” stance he has taken on Israeli-Palestinian issues. It’s time to make peace in the Middle East. Instead of a new war front, Obama needs encouragement and support toward taking fair and measured actions on this issue.wi (William Reed is president of the Business Exchange Network and available for projects via the BaileyGroup.org) www.washingtoninformer.com
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health
Debate Exposed Gap between Candidates’ Health Plans for Ethnic Communities By Judith A. Stein and Joe Baker Special to the Informer from New America Media The Presidential debate included an extensive discussion about Medicare’s future, mostly about the Romney-Ryan plan to privatize and likely end Medicare as we know it. Unfortunately, the facts and real-life experiences of the 49 million people and their families who rely on Medicare was largely absent from the discussion. Even more troubling was the lack of attention paid to how the Romney-Ryan plan will affect those who are the most vulnerable. That includes low-income families and those with highcost, chronic health care needs – significant issues for ethnic and racial populations in the United States. The Romney-Ryan plan would
save on the federal budget by increasing costs for people with Medicare. That approach ignores the economic realities facing families that rely on the program as a lifeline. Under the Romney-Ryan plan, people with Medicare would receive an annual allowance –a voucher or premium support – to purchase a health insurance policy. The value of these vouchers is unlikely to keep pace with health care inflation, meaning people with Medicare would have to pay thousands of dollars more per year under the Romney-Ryan plan. About half of people with Medicare live on incomes of $22,000 or less – just under 200 percent of the federal poverty level--and women beneficiaries live on even less, about $15,000. Ethnic elders would be among those hardest hit by the increased costs imposed by the RomneyRyan plan because these popu-
The health care of the nation’s disadvantaged is a major issue in this year’s election, though neither candidates’ reform plan appears to work. /Courtesy Photo
lations are more likely to have low or modest incomes. Ethnic seniors are twice as likely to live in poverty – 18 percent among African Americans and Hispanic households vs. 7 percent among whites. Those in ethnic communities who rely on Medicare simply cannot afford the Romney-Ryan plan. Increasing out-of-pocket costs
for Medicare families is just one troubling trademark of the Romney-Ryan plan; repealing the Affordable Care Act (ACA)—the “Obamacare” the president embraced in the debate - is another. In addition to paying thousands more out of pocket for their health care needs, older adults and those with disabilities in ethnic communities would be disproportionately affected by
reduced access to coverage and basic preventive care. ACA expands insurance coverage to tens of millions of people without health insurance through the expansion of Medicaid to individuals and families with incomes at 133% of the federal poverty level and the cre-
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HEALTH REFORM continued from Page 18 ation of public health insurance exchanges. These exchanges would create a health insurance marketplace at the state level, enabling people to comparison shop for plans that meet predetermined federal and state requirements. The Romney-Ryan plan strikes a double blow to those who need Medicaid by doing away with the program’s expansion and slashing its funding a third in the next 10 years. Ethnic and racial groups are among those populations more likely to be without insurance coverage, representing one half of the uninsured population. They are also more likely to suffer from debilitating and lifethreatening illnesses. In a letter to Congress, the Leadership Conference on Civil Right wrote that “tuberculosis strikes Asian-Americans at 16 times higher rates; cancer kills 35 percent more African-Americans; and Hispanics are twice as likely to die from diabetes as the general public.”
Under the Romney-Ryan plan, ethnic individuals without coverage would lose access to benefits, and those reliant on Medicaid would suffer as a result of funding cuts. In addition to loss of coverage, the Romney-Ryan system would cost people in ethnic communities would lose important benefits now afforded by ACA. The Kaiser Family Foundation found, “People of color experience higher rates of diabetes, hypertension, obesity and asthma, and have higher death rates from heart disease than whites.” ACA extends proven preventive benefits to people with all kinds of insurance, including Medicare, Medicaid and private plans. These improvements aim to help reduce rates of diabetes, HIV/AIDS, obesity and other chronic conditions disproportionately experienced in ethnic communities. ACA also includes programs with great promise to improve care, such as demonstration pilot projects that are test models of care for those with chronic diseases. The projects are testing ideas like “health homes” to co-
ordinate care for lower-income residents now often shuffled from one site to another for treatment. The health care reform law also includes better data collection that can help close health care disparities, for example, between white and ethnic or racial populations. We are grateful for the opportunity this year’s election cycle has provided to ponder the future of Medicare and Medicaid. Yet, we are disappointed by the persistent neglect in the national dialogue to the beneficiaries who will be most affected by the changes proposed under the Romney-Ryan plan. People in ethnic communities, many of whom rely on low incomes and live with chronic, debilitating illnesses, must not be forgotten in Medicare debates. The very health – and ultimately the lives – of these communities are at stake. wi Judith A. Stein is executive director of the Center for Medicare Advocacy Inc., a national nonprofit, nonpartisan organization based in Willimantic and Washington, D.C.. Joe Baker is president of the Medicare Rights Center in New York.
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EDUCATION
Romeo & Juliet on an iPad
Technology and Classic Education Find Middle Ground By Caie Kelley Special to the Informer from New America Media “Go ahead and highlight that passage in green,” my teacher instructs the class, informing us it will link to an online explanation. My fingers slide across the screen. “Give me my Romeo,” declares Juliet, “And when I shall die/take him and cut him out in little stars.” Our class has been struggling through Shakespeare’s Romeo and Juliet for several weeks now, and it’s a relief to be able to understand the story. Someday, I think, these little gadgets will do all the teaching. Which is sort of the plan. “Over the next few years,” declared U.S. Education Secretary Arne Duncan on Tuesday, “textbooks should be obsolete.” Pointing to countries like South Korea, which plans to go fully digital by 2015, Duncan stressed the role of technology in ensur-
ing American students remain competitive. “This has to be where we go as a country,” he said. My high school recently adopted a new pilot program, where incoming freshmen are handed their own iPad, containing textbooks, online materials, and interactive educational games. The reasoning is simple: backpacks become lighter and the school saves money on books and other supplies. The iPads are returned at the end of the year, any damage must be paid for, and the machine can then be handed over to the next bunch of students. “You think I understand Shakespeare?” a classmate snorts. “I need these iPads! So yes, I may mess around and download apps and goof off. But when I need to focus, Romeo and Juliet is there, and so are all the educational apps to help me understand it.” Online tools like “Sparknotes”
and “No Fear Shakespeare” are there at your fingertips to help recount the story in simpler language, while YouTube videos offer varying interpretations of critical scenes, including new takes where Juliet loses cell phone service and can’t text Romeo about her plan. But even with the aid of these online tools and videos, I’ve struggled with much of the text. And while they have made understanding more convenient for some, they’ve also made me less willing to invest time in studying the actual text before submitting to the will of “No Fear Shakespeare.” “Fetch me my rapier, boy,” cries Tybalt as Romeo enters the scene. “What, dares the slave/ come hither, covering with an antic face/to fleer and scorn at our solemnity?” After one read, I think I get the basics. Tybalt, a Capulet, is mad that Romeo, a Montigue, is at the celebration. But what is a rapier, why is
Romeo covered with an “antic face,” what does “fleer” even mean, and why is the party called a “solemnity”? No longer willing to struggle with the text, iGoogle “Romeo and Juliet Sparknotes,” which summarize the scene in a couple of paragraphs. I learn that an “antic face” is in fact a mask, “fleer” means scorn, and the “solemnity” is indeed a party. With technology, I don’t even have to try to read much of the original. I miss the lines that foreshadow Tybalt’s eventual death and give the reader a glimpse into his easily angered personality. Ultimately, digital education is a part of our future. After all, we are the gadget generation, the ones who have been emailing and texting since elementary school. We are the emerging group of students for whom using Facebook, Twitter, and Youtube is practically second nature. To us, what question can’t be answered by Google? Research by the National Academy of Sciences suggests technology encourages learning through, among other things,
greater access to information. Several studies have even indicated that the student achievement gap is narrowed when a school adopts these new digital programs. The response to the pilot program among teachers and students at my school has so far been positive. When a student doesn’t understand a math lecture, for example, she can click on an educational website or an interactive game that will explain the subject to her in a different way. “Students use the iPads for note-taking, research, writing, and a host of other creative and productive tasks,” my teacher tells me. “We talk to the students about what it means to be a digital citizen and how technology is a great tool, but also how it must be used responsibly.” Caie Kelley, 16, is a high school student in Orinda, California. She wrote this article under a New America Media youth-education reporting fellowship, a program supported by the California Education Policy Fund. wi
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Some thingS belong in WeSt Virginia. our money isn’t one of them.
Every year, Marylanders send more than 170 million dollars to West Virginia. In fact, we’re subsidizing casinos in Delaware, West Virginia, Pennsylvania and other states to the tune of $550 million annually. Maryland money should fund Maryland schools and Maryland jobs. Question 7 will help keep that money right here where it belongs by creating a world-class resort casino in Prince George’s County. That means 12,000 new, good jobs and hundreds of millions of dollars in new revenue for Maryland schools. And every year the funds are audited to make sure revenue from gaming goes where it’s supposed to. That’s the law! Not only will Question 7 help keep Maryland dollars at home, it will draw millions in spending and business from DC, Virginia and around the region. It’s time we count our own money, instead of letting a Casino owner from West Virginia count it for us!
“The opposition’s ads [against Question 7] are, indeed being financed by an out-of-state casino company that doesn’t have Maryland taxpayers’ interests at heart.”
Baltimore Sun, September 6, 2012
Paid for by for Maryland Jobs & schools, inc., TiMoThy o’brien, Treasurer.
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Oct. 11, 2012 - Oct. 17, 2012
21
debate continued from Page 10 al and engaging. “They focused on issues of concern to people but I thought it would be difficult to get deeply into issues in the time allotted,” he said. Although the consensus of many at the event was that Obama did well and explained his positions thoroughly, he appeared listless, passing on the opportunity to challenge Romney about a pivotal issue, such as his dismissal of 47 percent of Americans at a private fundraiser. New York Times columnist Paul Krugman said Romney lied when he “declared that pre-existing conditions are covered under his plan.” “ … His attempt to deceive voters on this issue was the biggest of many misleading and/or dishonest claims he made,” said Krugman, an economist. “What Mr. Romney did in the debate, in other words, was, at best, to play a word game with voters, pretending to offer something substantive for the uninsured while actually offering nothing. For all intents and purposes, he lied about what his policy proposals will do.” Pundits pilloried Obama for his performance and Democrats worried that his less-than-stellar performance reinvigorated a sputtering Romney campaign. Williams agreed during an interview two days later that Romney outclassed Obama. “Romney showed up, Obama didn’t,” he said. “He [Romney] had everything to lose. Never underestimate an opponent. They did, and Obama wasn’t prepared. Romney was in 21 debates – he was battle ready.” Williams said when someone is surrounded by sycophants, they will tell him he’s great whether that’s true or not, and they likely wouldn’t push him, press those buttons to rattle her or do things to make her uncomfortable. “Nobody [could] save him. He [Obama] did not have a teleprompter which is his greatest asset.” Williams said the shellacking is a wake-up call. “Expect Obama to be prepared in the next debate,” he asserted. “Will he be prepared? Absolutely. He’s embarassed, humiliated. He didn’t even know how to respond. He forgot everything because Romney shocked him. He was not there.” Yet, Williams said he didn’t think Romney’s debate win will make a measurable difference. “No, it’s not a game changer,” he said. “For people who were dismissive of Romney, he got a first chance to show who he was. He was not seen through the lens of the media. This gives them [the public] an opportunity to take a closer look at him.
22 Oct. 11, 2012 - Oct. 17, 2012
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At least they will take a closer look and he’s saying ‘I’m serious, intellectual, I’m bright.’” Ray Barry, an international health care consultant, said he’s mystified by Obama’s performance. “I don’t know what happened. I don’t understand that one. I think the president didn’t show and then I’m hearing him on Friday and the points he should have been going at during the debate, he’s hitting them,” said Barry, a Virgin Islands resident. “The president should have called him on it when Romney said he’s going to kill Big Bird. What impact is PBS going to have on the budget? [It’s] 0.01 percent and the president didn’t call him on the [crap].” Barry, 47, said the debate result “affects [Obama] to the degree that people who’re on the fence may begin to wonder about his ability to defend his record.” The debate, he said, marks the beginning of Romney’s tack toward the center. “He’s not a right wing conservative,” Barry said, adding that the GOP has “a serious inability to represent the mainstream Republican philosophy” because of the Tea Party and evangelical Christians. November’s winner could have a lasting impact on the Supreme Court, Barry said, with education, defense spending and health care being other significant issues to be tackled. “New innovations are being developed to bend the cost-curve,” he said. “The Affordable Care Act didn’t do anything to deal with costs. The issue of pre-existing conditions is an important aspect to be dealt with but we have a serious, serious problem with … costs.” Barry, who described himself as fiscally conservative and socially liberal, said Obamacare didn’t address costs which are the highest in the world, and he also said America should regulate drug prices. “We pay the highest pharmaceutical costs in the world. Most other countries regulate the price of drugs. I think companies should make a profit but this uncontrolled environment when it comes to pricing of pharmaceuticals is insane,” he said. Barry said the election is a toss-up. “I don’t know who’ll win; it’s too close to call. There are so many different things that could happen before now and Nov. 6th. My crystal ball isn’t working on that one. I have to work with whoever is there. I’m moving my business plan forward regardless,” he said.wi www.washingtoninformer.com
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PUBLISHER Denise Rolark Barnes STAFF Denise W. Barnes, Editor Shantella Y. Sherman, Assistant Editor Ron Burke, Advertising/ Marketing Director Lafayette Barnes, IV, Assistant Photo Editor Khalid Naji-Allah, Staff Photographer John E. De Freitas, Sports Photo Editor Dorothy Rowley, Online Editor Brian Young, Design & Layout AssureTech /www.scsworks.com, Webmaster Mable Neville, Bookkeeper Mickey Thompson, Social Sightings columnist Stacey Palmer, Social Media Specialist REPORTERS
Michael Golden, Wells Fargo Regional President, Greater Washington, D.C
A
s the world continues to weather the global economic downturn, we’re standing together with our communities across the nation to help individuals and families rebuild their savings, open businesses, keep their homes, attend college, prepare for retirement, find jobs, and more. During Wells Fargo’s 160- year history, we’ve helped individuals, families, and entrepreneurs of all ages understand how to save, invest, borrow and spend responsibly. Our goal is for every customer to have a financial plan and to change their saving and spending behaviors as a result of that plan. We also understand those plans will evolve throughout all stages of our customers’ lives — from putting that first penny in the piggy bank, getting a job, starting a family, to retirement. Financial plans should be unique to our customers’ needs and help them make wise financial choices so they are “credit ready,” and they know when and how to move their cash into investments that are right for them. Some customers need a detailed financial plan, some a simple one. Regardless, we’ll be there for them every step of the way. Throughout 2011, we proactively worked with many external experts and organizations to provide financial education tools to help financially struggling homeowners and empower consumers and entrepreneurs. In working with key stakeholders, we make an effort to listen to areas of concern and look beyond the boundaries of our own business structure to collaborate and find creative solutions to complex problems. This healthy dialog is building not only trust-based relationships but also concrete action plans we’ve already begun to implement. We’re working hand-in-hand with schools, nonprofit organizations, and other community groups, to provide educational resources, including our award winning financial education program - Hands on Banking. In October 2011, team member volunteers taught 1,100 credit lessons to more than 61,000 individuals and families across the country as part of Wells Fargo’s participation in the American Bankers Association’s Get Smart About Credit initiative. Despite the down economy, Wells Fargo continues to be one of America’s largest financial contributors to nonprofits. Last year, Wells Fargo invested $213.5 million in 19,000 nonprofit organizations supporting education, community development, human services, the arts and the environment. Here in Washington, D.C., we invested $9.8 million to nonprofits and schools and our team members volunteered more than 2,500 hours at local organizations. Some of the organizations and events we sponsored include DC College Access Program, Hope and a Home, Capital Area Food Bank and the Greater Washington Urban League. Wells Fargo is proud to be a part of the local community and recognizes that financial education and education are the gateway to economic self-sufficiency.
Misty Brown, Eve Ferguson, Joy FreemanCoulbary, Gale Horton Gay, Barrington Salmon, Stacey Palmer , Charles E. Sutton ,James Wright, Joseph Young
PHOTOGRAPHERS John E. De Freitas, Victor Holt, Roy Lewis, Khalid Naji-Allah, Shevry Lassiter
H-2 oct. 2012 / Financial Literacy Supplement
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By Don Gilbert Interest rates remain at historic lows. Yet, many buyers are sitting on the fence unsure whether now is the right time to buy, and if they would even qualify for a loan. There’s no magic bullet to get you the loan you want, but there are few things you can do to help get you on the right path. Here are some helpful tips: 1. Check your credit – Know where your credit stands before you apply for a loan. A borrowers’ credit history can impact the amount required for a down payment, the interest rate or the amount of money they can borrow in relation to their income. Wells Fargo prices competitively and lends across the credit spectrum, but having a credit score of 720 or above is not only going to help you look better to a lender for loan approval, it may also help you get a better interest rate. Once per year, you are able to obtain a free copy of your credit report from each of the three credit bureaus by visiting www.annualcreditreport.com . In addition to viewing your report, you may also want to consider getting your credit score. There may be a small fee to get your credit score. If you’re interested in understanding and working to improve your credit standing, visit the Wells Fargo Smarter Credittm Center found at www.wellsfargo. com/smarter_credit . The site has advice on establishing, improving and protecting credit as well as tips on paying down debt. 2. Decrease your debt – An important factor that lenders look at when qualifying borrowers is their debt-to-income ratio. This is the relationship between your income and expenses, amount of debt a person carries compared to how much income they make. The smaller your debt-to-income ratio is, the more attractive you are as a borrower. While debt to income requirements vary by mortgage programs, a good rule of thumb is to keep your total debt level at or below 36% of your gross monthly income. 3. Save for a down payment – In the current
5Keys
to Help Unlock the Door to a New Home
737220_06371 5.65x10.5 4c
Your legacy is a conversation starter. Don Gilbert
mortgage environment, borrowers need to have a down payment. Having 20% down is not a must but it will help get the best interest rate available and help you avoid private mortgage insurance. If you need help coming up with a down payment, try to find a down payment assistance program that might be able to assist you. 4. Show proof of all income– Can you repay the loan? That’s what lenders want to know when they consider your application. You must be able to verify a stable source of income. Lenders will review your employment history and will require current W2s or tax returns if you are self-employed. If you have any other income you should bring proof of that to share with the lender. 5. Have some money in the bank – In addition to being able to show you can make your monthly mortgage payments and other responsibilities, lenders want to know that you have cash reserves. Some of us call this cushion a “rainy day fund” to handle those unexpected expenses that come with homeownership such as certain repairs. Don Gilbert is the Community Development Manager for Wells Fargo in Washington, D.C.
Where you’ve been testifies to your strength. Where you are attests to your brilliance. Where you’re going speaks to your ambition. And though the conversation starts with a word, a moment, a dream, where it ends could be even more powerful. So when you’re ready to add your financial goals to the conversation and learn how you can continue to build your legacy, come talk to us. Ask us any questions you may have. We’ll ask a few of our own. Together we’ll find the answers you need to create that next chapter of your life. Your legacy is a conversation starter, but it’s just a beginning. We can help you keep it going. Just say the word.
Call, click, or stop by to start a conversation today. W E L L S FA R G O . C O M | 1 - 8 0 0 - T O - W E L L S
© 2012 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. (737220_06371)
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Financial Literacy Supplement / oct. 2012 H-3
2.
Five Tips to Help Parents Prepare Kids for Financial Success By Mike Golden One of the results of the recent economic downturn, a period that many are calling the Great Recession, has been an increased focus on the importance of saving for the future. While there were many factors that contributed to the recent economic difficulties, one obvious but perhaps neglected truth is that having a personal savings can help individuals and families weather the economic troubles that might come our way. What important lessons can we pass on to today’s children and young adults to prepare them for financial success? Today’s kids are much more likely to spend rather than save. Even parents who aim to teach their children about finances through an allowance may find their lessons overshadowed by stronger messages from advertising or peers. Unfortunately, the result
3.
Mike Golden
is that by the time they graduate from high school, most young people know all about spending and very little about saving or spending wisely. Consider these facts: zz Teenagers will spend close to $155 billion in 2012, an increase of more than fifty percent in five years. The average seventeen year old spends over $100 dollars weekly. (Source: PBS) zz Young Americans (18- to 34-year-olds) are more likely to be less financially capable than older Americans, with 23% spending more than their household income, 68% not having money set aside to cover expenses for three months (rainy day fund), and 34% engaging in nonbank borrowing. (FINRA Investor Education Foundation) zz The majority of young people (56%) attribute
H-4 oct. 2012 / Financial Literacy Supplement
their knowledge of money management basics to their parents, with significant numbers continuing to turn to their parents for ongoing financial advice (43%). (Charles Schwab and Lieberman Research Worldwide) Five Tips for Parents Parents play a crucial role in their children’s financial success later in life. Here are five tips: 1.
S
et Financial Goals — Have children list all the things they want and the anticipated cost. Organize the list into immediate, short- and long-term goals. Compare the cost with money on hand to help them see the connection between saving and reaching goals. This helps them learn about making choices, setting priorities and distinguishing between needs and wants.
O
pen a Bank Account — Around age 5, children begin to understand the process of managing money. It’s a good time to take them to a bank to open an interestbearing savings account. Teach them how to make deposits and withdrawals, keep an account register and balance the account. Some banks, including Wells Fargo, offer saving incentive programs for children. Wells Fargo’s Minor Savings account is a program for children ages 5-12 who have a Wells Fargo savings account. The tools provided give parents the chance to help their children track their savings, set goals and earn awards. For teens, Wells Fargo offers a checking account for ages 13 to 17 with an adult co-owner, specifically designed to help parents teach their teenagers good money management skills.
P
ay a Modest Allowance — Though these challenging financial times may make paying your children an allowance difficult, many financial advisors view an allowance as an important tool for children to learn and practice money management skills. Try a dollar a week for each year of the child’s age. Or consider adding up what you spend on your child’s “wants” each week and giving the child that amount to manage. More important than the amount is that everyone understands the rules up front – including the completion of necessary chores – and that you pay the allowance consistently and on time. If your family finances change an adjustment to the allowance becomes necessary, it’s
an additional learning opportunity for your child.
M
4.
ake a Plan for Spending, Saving and Giving — Encourage children to divide their allowance and any additional earnings three ways: a fund for spending, a fund for saving, and a fund for giving to charity. Letting children spend some of the money helps them learn how quickly it can disappear unnoticed if they don’t track their spending. Allowing them to choose a charitable organization in which to contribute helps build passion for the community and compassion for others.
5.
U
se Free Resources — There are many free and reputable places to find more helpful guidance to teach children about saving and finances. These include Hands on Banking®, a parent-tested, parentapproved program available free at handsonbanking.org; Wells Fargo’s children’s financial success resource center at www.wellsfargo. com/resource_center/ childsfuture; and your public library, which likely has a number of good books on the topic.
By starting early, parents can help their child develop good financial habits that will last a lifetime. Mike Golden is the Regional President for Wells Fargo in Greater Washington, D.C. As a public service, Wells Fargo provides free and fun financial education programs without commercial content.
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Free Credit Score & Complimentary Credit Report Only available in stores through November 15, 2012 From now until November 15, 2012, you can take advantage of this limited‑time promotion. Knowing your credit score is key to understanding your entire financial picture. Stop by your local store today and start a conversation with a Wells Fargo banker to get your personal access code. This exclusive promotion for Wells Fargo customers provides unique benefits: • Get your credit score for free (a $12 value) • Evaluate specific factors that impact your credit score • Access your full credit report at no charge • Review your credit file and see if there are any errors • An optional, personalized one-on-one meeting with a banker to discuss your credit situation For more information, visit wellsfargo.com/freecreditscore
*Wells Fargo may, at its own discretion, limit the number of unique codes and/or cancel the free credit score and complimentary credit report promotion at any time. Your credit report will look like what a lender would see if the lender obtained your credit report at the same time. Your version is formatted to be more easily understood. Your credit score could vary by lender depending on the type of scoring used. The credit score you receive in this promotion probably will not be the same as the score obtained by a lender and is for educational purposes only. © 2012 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. NMLSR ID 399801 (736334_06370) www.washingtoninformer.com 736334_06370 9.5x12.375 4c .indd
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9/19/12 10:57 AM Financial Literacy Supplement / oct. 2012 H-5
Financial Advice
Harrine Freeman
for Millennial Women By Harrine Freeman The country is still feeling the effects of the recession. The most unemployed and underemployed are new college graduates earning approximately 8% less than college graduates 10 years ago. Unfortunately, many do not ask for a raise which directly affect their economic status. However, millennial men frequently ask for a raise and usually get it. Entrepreneurs are a vital component of America’s global economy. They create 90% of the jobs in America. They create innovative solutions, creativity, marketing and technology to propel their businesses. According to Fleishman Hillard study titled Women, Money and Power, millennial women are more concerned about the economy which affects how they spend their money. Seventy‐
one percent agree, “Life is more complex today than it was before the recession,” and 75% agree, “I shop differently now than I did before the recession.” Millennial women seek quality, worth, performance, and substance. They prefer quality over quantity and research purchases thoroughly before buying. According to Edward Jones, 51% of millennials usually don’t invest in a 401k or retirement plan. Millennial women are delaying marriage and starting a family to get their finances in order. Women must plan for the expected and have a contingency plan. They must identify possible scenarios that could occur and develop solutions on how to deal with them. More than 80% of millennial women will at some point in their lives have sole responsibility for their finances. Every woman can and
H-6 oct. 2012 / Financial Literacy Supplement
should know how to manage her own finances. Millennial women need to become empowered with financial knowledge which will help them make the best financial decisions throughout their life. Here are 24 ways for millennial women to manage their finances. Spending/Budgeting 1. Create a budget or spending plan to control spending. Make your budget flexible to accommodate for unexpected expenses and include savings goals. Include monthly expenses and debt plus your monthly income. 2. Create an emergency fund to cover monthly expenses for 9-12 months. 3. Balance your checkbook and write down every
transaction, including check card transactions and trips to the ATM. 4. Reduce spending by 3050%. Spread spending for large purchases over several months to ease the burden. Buy more needs vs. wants and reduce your credit card debt. 5. Set short-term and longterm goals such as paying off a bill and saving for a down payment on a house.
Your money will grow faster and you can afford to invest more now because you won’t have to pay taxes on the money until you retire. 5. Once you have decided how much to invest in each type of asset, rebalance often to your original percentages, particularly after a large market shift, upward or downward.
Debt 1. Pay down debt and get current on late accounts. Keep debt (excluding rent/mortgage) at 15% or less of your net monthly income. 2. Keep credit card balances at 20% or less of the credit limit. 3. Pay more than the minimum monthly payment. 4. Pay back student loans. Consider using student loan forgiveness programs.
Other 1. Develop a support network (friends, family, church members, join support groups and a financial professional etc.) to get advice, support and encouragement. 2. Think rationally and without emotion. Calm down and think logically about how to deal with your finances. 3. Don’t blame others for your financial mistakes. Take accountability and responsibility for your actions. 4. Plan for the future and always have a plan A, B and C.
Banking 1. Pay bills online. 2. Use direct deposit for paychecks. 3. Open a checking account with overdraft protection. 4. Save, save some more and save some more. Estate Planning 1. Create a will to being setting up estate planning. 2. Create a medical directive to identify your medical wishes. Investing 1. Max out your tax advantaged retirement plans. Commit to saving a set percentage of your income, so when your income increases, your contributions will also increase. Contribute 70% stocks, 30% bonds. 2. Control your risks through diversifying and investing in various mutual funds that are a combination or low, medium and high risk to limit your losses. 3. Focus on long term growth. Leave your money untouched for the next 5 to 10 years to see the benefits of your money growing. 4. Invest as much as you can in tax-deferred retirement plans, such as 401(k) plans.
Harrine Freeman is the CEO and owner of H.E. Freeman Enterprises which provides credit repair services to help clients restore their credit rating and develop good money management skills to pay off debts, save and plan for retirement. She was once in $19,000 in debt, only making $21,000 a year and was able to get herself out of debt without filing for bankruptcy. She has provided financial seminars to various audiences. She has appeared in Market Watch, Wall Street Journal, Black Enterprise, Essence Magazine, Ebony, Pink Magazine, Woman’s Day, Forbes, Bankrate. com, Motley Fool, Huffington Post, Daily Finance, The Michael Baisden radio show, NPR, and on CBS, Fox, NBC and ABC. She is also the author of “How to Get out of Debt: Get An ?A? Credit Rating for Free”, a self help book on credit repair that provides consumers with a step by step plan on how to get out of debt, increase their credit rating and maintain their good credit.
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By Harrine Freeman, CEO/Owner, H.E. Freeman Enterprises Results from the FINRA Investor Education National Financial Capability Study revealed that women with low levels of financial literacy knowledge were more likely to engage in bad credit card behaviors such as incurring late fees than men with low levels of financial literacy knowledge. However, there were no differences in behavior between men and women with high financial literacy knowledge. Increasing financial literacy knowledge can improve credit card management and reduce or eliminate gender based differences in credit card behavior. Financial literacy is linked to retirement planning, investing, quick cash methods such as payday loans or cash advances, and generating wealth. A vast understanding of financial literacy improves credit card behavior for men and women. Women were more likely to carry a balance, pay the minimum payment on their credit cards and be charged a late fee. Women were less likely to pay their credit card balance in full each month and comparison shop for credit cards. Women trail behind in finances and usually have low confidence when trying to set and obtain financial goals. Many women shy away from finances and don’t view managing their finances as a high priority. Many women focus more on their appearance and spend their money on shopping or entertainment. Women put other’s needs first and focus on other priorities such as their children, college funding, etc. However, women must put their needs first especially regarding finances. The difference in how women view money may be related to how parents and educators teach girls about money. These girls grow up and continue to use the same lessons they learned about money as a child. Women are more emotional when it comes to spending. Women like to spend money on things with little to no value like makeup, clothes, purses, shoes, etc. Many women are taught to find a husband who will take www.washingtoninformer.com
care of them which may prevent them from learning about the various aspects of financial literacy such as budgeting, investing, savings, debt management and retirement planning. Many women feel they don’t need to learn about finances because their husband will manage the finances. Women have to change the way the think about money and set an example for their daughters and future generations of girls. If you want to own a home, go on vacations and live a certain lifestyle you have to save, invest and make good financial decisions. Many women are forced into different roles when a lifechanging event occurs. Many women find themselves unemployed, divorced or widows and didn’t know how to manage their finances. This can lead to making bad financial decisions based on emotion and mistakes that may take years to recover from. According to the Prudential and Hearts & Wallets study women feel less confident than men in their understanding of financial products, their ability to make financial decisions and their perception of their current economic standing. The financial services industry caters to men in the way it presents and discusses information and products. Women don’t make quick decisions regarding finances and are concerned with long-term results. Women are not proactive about learning how to manage their finances and take it for granted that they won’t need to learn because their husbands will do it for them. Women earn less than men but have longer retirements due to the fact that women live an average of five years longer than men. Women have higher health care costs throughout their lives. Women should be saving more than men and investing their savings more aggressively to get a strong longterm return that will grow their portfolios. Women who don’t manage their finances properly directly affect men. If your wife or girlfriend always asks you for money or needs help with her bills, if you provide financial support to your mother because she has little to no savings or retirement or your daughter keeps borrowing money because she can’t pay
The Battle of Finances:
Men vs. Women
her bills - this is a direct result not properly manage their finances and lack adequate financial literacy knowledge. Men are self-directed learners and use the Internet to find out
information more than women. Women tend to rely more on personal networks with friends, family and financial planners, and they take a networking approach to gathering information
or get validation. Men and women need to have a strong grasp financial literacy knowledge to help them make sound financial decisions that will improve their lives.
Do you want to stop living paycheck to paycheck, stop harassing creditor calls, get out of debt or increase your credit score? Improving your financial life is guaranteed success to being happy and having less stress in your life. Do you have a financial advisor or financial coach? Well now, you can be your own financial advisor. The fastest way to your financial success is getting advice from someone who has experienced the same financial issues you are going through – losing a job, considering filing for bankruptcy, working two jobs, bad credit, debt, repossession, and more. More than 1 million Americans file for personal bankruptcy every year. If you have filed for bankruptcy, are considering filing for bankruptcy, live paycheck to paycheck, are harassed by creditors or don't know your credit score, I can help. I have helped thousands of consumers’ increase their credit score and get out of debt using my own experience and industry expertise to help thousands of clients. I was once $19,000 in debt only making $21,000 a year and was successfully able to get myself out of debt without filing for bankruptcy. I can do the same for you and help make your dream become a reality. Each day you procrastinate is one more day you go deeper into debt and one more day closer to legal action being taken against you. These step-by step systems will give you new insight and a plan for managing your finances and provide clarity on how to change your situation. I am excited to offer my financial services and products that will stop those harassing credit calls and lead you on the road to financial peace. My products will provide: 1. 2. 3. 4. 5. 6. 7.
Strategies to increase your credit score Methods to get out of debt Practical ways to manage your money Sample letters to fix errors on your credit report Sample letters to negotiate with creditors Financial worksheets Financial tools and more!
Additional benefits include a: • Copy of my self-help book, How to Get Out of Debt: Get an “A” Credit Rating for Free • Subscription to my free monthly newsletter • Free coaching call with the purchase of a financial kit Mention you saw this ad in the Washington Informer and get $100 off of selected financial packages. For more information please visit our website at http://www.hefreemanenterprises.com for more information about our services or to purchase self-help products at http://www.hefreemanenterprises.com/books.html. Harrine Freeman * CEO, H.E. Freeman Enterprises http://www.hefreemanenterprises.com * hfreeman@hefreemanenterprises.com One of Black Enterprise’s Top Financial Experts of 2010 301-280-5923 M-F 9-5pm
Financial Literacy Supplement / oct. 2012 H-7
Living Trusts By Deborah D. Boddie, Esq. corporated in the will and only effective at the time of death], Special to the revocable trusts [once created Washington Informer can be terminated], irrevocable A living trust is a document trusts [once created cannot be created for the purpose of dis- terminated], and special needs tributing your property either trusts [especially helpful for during your life or after death. It Medicaid planning]. A living trust, which should can be used to avoid undesirable tax consequences. A living trust not be confused with a living is an efficient estate planning will [a document used for health tool to help avoid the time and care decisions], allows for the expense of probate. Probate is transfer of legal ownership of the administration of your estate assets from you to the trust. The frequently with the oversight of person charged with the duty to administer the trust assets is the the local court. In addition to a living trust, trustee. You can serve as a trustthere are several other types of ee but always have provision for trusts; testamentary trusts [in- successor trustees in case of in-
capacity or unavailability. Most living trusts are revocable when established but become irrevocable at death. Once a living trust is created, it becomes a “living” breathing entity. It requires a tax identification number [similar to a social security number], annual tax returns and payment of taxes on any trust income. A living trust can be established by any person [settlor], for any purpose, with any amount [corpus], and to be paid to anyone [beneficiary]. Except for a nominal amount, which can be as little as a dollar, it is not necessary to fund a living trust when
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H-8 oct. 2012 / Financial Literacy Supplement
it is created. On the other hand, you can transfer all of your assets into a living trust. You can even specify in your will that your trust is to be funded only upon your death. But keep in mind that until the trust is funded, it is of little value to the settlor or the beneficiaries. The corpus of the trust can be real estate, bank accounts, or any other assets. If you establish a trust and you intend to have the trust own, manage or distribute real property, ownership of such property must be changed to the name of the trust by a deed. Similarly for bank accounts, the accounts must be titled in the name of the trust if it is to become an asset to be controlled by the trust. If you have a will, you may ask, “Do I need a living trust in addition to a will and what is the difference?” A will is a written document, signed and witnessed that indicates how your property will be handled and disposed of upon your death. A will is revocable and can be amended during your lifetime and must be probated. Property that has been transferred to a living trust is not subject to probate. Avoiding probate is a reason many individuals use living trusts. Another benefit of a living trust is that the trust can be written in a way that will pass your assets on to your beneficiaries immediately upon your death, or you can designate that the assets
be distributed out over time and only in amounts that you specify. The living trust may have tax savings clauses that may help to reduce state and federal estate taxes. There are advantages to each choice, depending on your needs and concerns. Because a will does not become effective until death, the management of assets before death cannot be accomplished with a will. On the other hand, the living trust can be used for pre-death as well as post-death property management. Estates with limited assets may not be appropriate for living trust due to the expense. While the average will costs $350-$500 and the costs of a trust can range from $1,500 to several thousand dollars, depending on the complicity, always seek the advice of a competent legal advisor. You should avoid the use of generic or online legal kits to create these important documents. Poorly drafted documents are frequently an invitation for protracted litigation. Deborah D. Boddie, Esq. The Law Office of Deborah D. Boddie is a firm specializing in Wills, Trusts Decedent’s Estates, Estate Planning, Guardianships, Conservatorship and Real Property. PLEASE VISIT US AT OUR OFFICIAL WEBSITE AT WWW.PROBATELAWDC. COM www.washingtoninformer.com
By Charlene Crowell Each year the Federal Deposit Insurance Corporation (FDIC) partners with the U.S. Census Bureau to conduct a survey of the nation’s choices for financial services. Their most recent findings reveal that as America struggles with a sagging economic recovery, consumers are increasingly turning to alternative financial services (AFS) rather than main-stream banks. According to FDIC’s 2011 FDIC National Survey of Unbanked and Under-banked Households, nearly one in 12 American households including 17 million adults has no bank account – an increase of 821,000 since the last survey. Many “unbanked” Americans have never been a part of the mainstream banking system. For others, a significant number formerly had checking accounts and left the institution because of the costs of account fees. Others had their account closed by a bank or closed it themselves to avoid unmanageable fees. By contrast, 24 million households and 51 million adults are “under-banked” consumers that maintain a bank account but still rely on AFS. Among African-American consumers, only 42 percent turn to banks for all of their financial transactions. The rest of Black America is either under-banked (34 percent) or unbanked (21 percent). Among all American households, 67 percent are fully-banked. Yet African-Americans were not alone in their financial choices. FDIC’s survey found that the highest unbanked and under-banked consumers were households that were non-Asian minorities, lowerincome, younger and unemployed. In the aftermath of the Wall Street taxpayer bailout and the subsequent enactment of the DoddFrank Financial Reform Act, many might wonder why so many consumers are still trending away from traditional banking. According to FDIC, many consumers feel “they do not have enough money for an account, or they do not need or want one.” In other instances, a strong perception emerged that non-bank financial services were more convenient, faster and less expensive or presented lower barriers to qualification. Unfortunately, the consumer perception of fast and easy financial services comes with a costly catch. Just because high-cost, non-bank lenders operate in our www.washingtoninformer.com
neighborhoods is not a reason to think their services are affordable. When dollars earned seem to go quicker than they come, informed consumers will weigh nearby convenience against the real cost of service and credit. As the report states, “Economic inclusion efforts require not only banking the unbanked, but also retaining and better engaging current bank customers to prevent them from becoming unbanked or under-banked. The offering of lowcost deposit accounts with transparent fee structures could play an important role in this effort.” Earlier this year, more than 250 consumer organizations wrote FDIC regarding their concerns over the emergence of bank payday loans. Similar to their storefront counterparts, major banks such as Wells Fargo, Fifth Third, US Bank and Regions are now offering new names for old predatory products with triple digit interest rates disguised as ‘fees’. Consumers choosing bank payday loans actually take on more financial risks. With banks controlling access to consumer accounts, those offering payday loans gain the advantage of automatically repaying loans -- even if it triggers an overdraft. Earning payday loan interest and overdraft fees at the same time and from the same customer are nothing but doubledip lending. After more than 250 consumer advocates shared this specific concern with FDIC, Martin Gruenberg, Acting Chairman, wrote in reply. “The FDIC is deeply concerned about these continued reports of banks engaging in payday lending and the expansion of payday lending activities under thirdparty arrangements. The loans usually involve high fees relative to the size of the loan and, when used frequently or for long periods, the total costs to the borrower can rapidly exceed the amount borrowed.” Gruenberg also advised that FDIC’s Division of Depositor and Consumer Protection would make bank payday lending a priority to investigate reports and further, recommend appropriate steps. While the FDIC pursues this directive, consumers would be wise to remember: No one nor any entity will be as watchful to your personal finance as you – the consumer. Charlene Crowell is a communications manager with the Center for Responsible Lending. She can be reached at: Charlene.crowell@responsiblelending.org
African-Americans and Credit:
Weighing the Cost
of Financial Services Against Convenience Credit should help, not hinder, the success of our young people.
Creating ownership and economic opportunity www.self-help.org
Protecting ownership and economic opportunity www.responsiblelending.org
Financial Literacy Supplement / oct. 2012 H-9
Money Matter$ By MaShon Butler
Executive Assistant/Officer www.industrial-bank.com
Industrial Bank Industrial Strong Member FDIC
Eliminating Credit Card Debt By MaShon Butler Executive Assistant/Officer Having extensive credit card debt can be stressful and overwhelming whether you have several credit cards with high balances or just one. A credit card with a high interest rate can be almost impossible to pay off, especially if you only make the minimum payment each month. Uncontrolled debt can be a hindrance to your hopes and dreams, is very stressful, and can take years to get back on your feet. The number of people with overwhelming credit card debt is astronomical and it is increasing every year. Because we live in a credit driven society, it is easy to become disconnected from our money. We are becoming more conditioned to just swipe and go. Modern technology is great, but with its benefits there also comes responsibility. There are a number of good reasons for having credit card debt which do not include frivolous spending. Whatever the reason, put away the guilt and make a commitment to yourself, and your family, to move forward and regain your financial power.
It is time to take control of your spending and reclaim your money. Because most consumer spending increases drastically during the holidays, it is time for you to make more of a connection with your money now! You work hard for your paycheck. In this electronic age, some people rarely touch their money physically. On average, consumers swipe their credit and debit cards for 75% of all of their spending needs. This can cause excessive spending, if you do not have a budget. Own your spending habits, and recognize that your behavior drives your financial situation. Develop a Budget: This is the first step toward empowering yourself by getting out of debt and creating the financial future you deserve. There are various financial websites that offer templates to assist you with creating a budget. Having a budget will help you gain control of your money and reveal areas where you are spending too much. It takes discipline to change your spending habits. If you find yourself getting off track, don’t get
H-10 oct. 2012 / Financial Literacy Supplement
discouraged, just recommit to achieving your goals. Breaking the cycle of living paycheck to paycheck takes a much needed plan. Make a commitment to stop using your credit cards: Stop charging/abusing your credit. Keep only one card with the lowest interest rate with you for emergencies only. Do not carry the other cards, but do not close the accounts. One of the components of your FICO score calculation is the length of credit history. The cards you have had the longest are important anchors to your credit, and that’s why it is not good to close them. Track your spending daily: This exercise will help you as you learn to manage your spending. Record all of your purchases in a small notebook and review them two or three times per week. This will help you categorize your spending as a want or need. Set financial goals: This will help you create a plan of prosperity. When you give your money a purpose, you will be less likely to spend it unnecessarily. Create a vi-
sion board and fill it with pictures of your future plans such as: buying a home, taking a family vacation, investing in a retirement account, starting a college fund, or building a nest egg. As you eliminate debt, your goals will begin to look more like possibilities and that will help motivate you to stay focused. Tips to help eliminate your credit card debt: Transfer balances to a lower interest rate credit card, but pay attention to the small print, there is usually a balance transfer fee. Pay off your debts from the smallest to largest. Come up with creative ways to increase your income. Find a part-time job. Contact your creditors. They may work out a modified payment plan that reduces your payments to a more manageable level. Credit counseling is available. Contact the National Foundation for Credit Counseling (www.nfcc.org or 1800-388-2227). This is a reputable organization that can advise you on managing your money and your debts, as well as help you develop a budget. Try to avoid bankruptcy
at all costs and consider its consequences. Setting a financial goal is like setting any other goal, it takes a commitment and it’s a step by step process to achieving it. You have to make paying down your debt a priority and be willing to make sacrifices to reach your goal. My recommendations for websites to visit and books to read are as follows: Michelle Singletary, Award Winning Syndicated Columnist for The Washington Post. Her current book: The Power To Prosper 21 Days to Financial Freedom. Website: www.michellesingletary. com Suze Orman, Financial Guru and New York Times Best Selling Author. Recommended books to read to learn the very basics of money management, please read Women and Money. Suze’s current book is The Money Class. MyFICO.com The holiday season is here. The temptation to spend can be overwhelming. Make it a priority to renew your commitment to live a life free of financial bondage.
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Money Matter$
The Basics about Credit
By Hermond Palmer Vice President, Director of Marketing & Sales Industrial Bank Your ability to affectively manage credit has an impact on your ability to achieve financial empowerment. The good news is anybody can do it! What credit is: Credit is a tool which enables individuals and businesses to buy goods and services, including high priced items, such as a car or home. The entity in whose name the credit is being issued will be allowed to pay over time vs. having to save and pay the full amount at the time of purchase. To get access to credit, you will have to sign a legally binding agreement that requires the individual in whose name the credit is being extended to pay the money back based upon a set of agreed upon terms before the loan is made. Included in these terms are key details including: interest rate, payment requirements, taxes, fees, and penalties. Not paying attention to, or understanding, these details can result in costly mistakes, which can damage your credit rating and your ability to obtain additional, affordable credit in the future. Be sure you understand and are comfortable with the terms of any agreement you sign. What credit is not: Credit is not free money. Credit has a price tag and that price tag is the interest rate calculated against your outstanding balance to determine the amount of your interest expense. In-
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Money Matter$ By Hermond Palmer VP/Director of Marketing and Sales
www.industrial-bank.com terest expense is the cost you pay to borrow. What is a Credit Score? A credit score is an instrument used by financial institutions and lenders to determine whether to extend credit to an individual. There are several brands of credit scores. One example of a frequently used credit score is the FICO score. FICO is an acronym for the Fair Isaac Corporation, the creators of the FICO score. The FICO score has a range between 300 and 900. The closer an individual’s score is to 900, the better that individual’s credit risk-worthiness will be. Negative Credit Information: Negative information includes: notifications of late payments, bankruptcy, liens, and accounts turned over to a collection agency. If there is valid negative information in your credit report, there is nothing you can do to change it. Having negative information in your file does not necessarily mean that you will be denied credit. It may mean you will simply have to pay more to get credit. Be careful using so-called credit repair clinics who aggressively advertise offers to “fix” your credit record for a fee. Credit clinics cannot remove or change correct information on your credit record. Know that you can do anything that a credit repair clinic can do at little or no cost. The fundamentals behind managing money or credit successfully do not require an expensive degree or a special education. All that is required is your desire to invest in yourself, combined with the discipline necessary, to consistently work toward your long-term financial success. As always, Industrial Bank is ready to serve as your financial partner to support you, as you look to invest in yourself, invest in your dreams, and invest in your future.
Industrial Bank Industrial Strong Member FDIC
Keeping the dream of home ownership alive and well
Fixed Rates First Time Home Buyer Programs Refinance Home Equity Line of Credit FHA Programs Reverse Mortgage
Apply in person, or contact our Home Mortgage Division at (202) 722-2097
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Financial Literacy Supplement / oct. 2012 H-11
The Benefits of
Life Insurance By Michelle Phipps-Evans WI Staff Writer
Life insurance is generally equated to death insurance. Upon the death of a loved one with a policy, the family receives a death benefit to pay debts and provide survivors a chance to grieve, and move on. According to the Life and Health Insurance Foundation for Education [LIFE], life insurance “can do some pretty amazing things for people,” but one needs to own it. LIMRA, an industry research group, discovered that three in 10 American households or 35 million are uninsured. One person who understands firsthand what it is to be uninsured is Buddy Valastro, star of TLC’s
reality show, “Cake Boss.” After losing his 54-year-old father at 17, New Jersey-based Valastro left high school to take over the family business, Carlo’s Bake Shop. “Taking over the family business at such a young age and having 30 employees depending on me was a huge amount of pressure, and there were many days I didn’t think I could pull it off,” said Valastro, LIFE’s 2012 spokesperson for national Life Insurance Awareness Month [LIAM] in September. “If there’d been life insurance, things would’ve been a lot easier. I could’ve worried less and had time to grieve.” Valastro’s story is an example shared during LIAM every year. LIFE, a nonprofit to respond to
the need for insurance information, and the National Association of Insurance Commissioners [NAIC], the regulatory body governed by the chief insurance regulators from the states, the District of Columbia and five U.S. territories, encourage Americans to use the month to review life insurance. Ask yourself, “What do I need?” “Do I have enough?” and “Should I change what I have due to life changes?” The NAIC has responded to that question by breaking down personal needs based on life stages. In 2006, the NAIC released an online-education tool, Insure U, which examines auto, home, health or life insurance should you fall within these categories: young singles, young or established families,
seniors, domestic partners, single parents, military, or raising grandchildren. The toolkit www.insureuonline. org offers guidance on insurance to consider when single, or when the last child leaves home. “As regulators, we wanted to get people thinking about the ‘what ifs’ in life,” said former D.C. insurance commissioner, Thomas E. Hampton, who oversaw Insure U’s local launch. “Millions of individuals are either uninsured or underinsured, leaving them financially vulnerable if a breadwinner suddenly passes away.” D.C.’s insurance supervisory body, the Department of Insurance, Securities and Banking, is an NAIC member. Types of Life Insurance There are two types: term and permanent. A term life pays if the insured dies during the policy’s “term.” Permanent life offers investment features and combines death benefits of a term with investment components that build cash value. Permanent Life Insurance Options Unlike term, permanent policies remain as long as premiums are paid. Each features increasing cash values that give owners borrowing access. If managed correctly, it offers tax benefits since the Internal Revenue Service does not consider this loan as income. Four types of permanent life insurance: Whole Life offers a fixed premium for the policy’s duration, guaranteed cash value and death benefit. Universal Life allows policyholders to determine amount and timing of premiums, and to adjust coverage levels over time. Variable Life allows allocation
of investment funds across stocks, bonds or money markets with different risk levels and growth potential. Minimum cash value is not guaranteed. Variable Universal Life is a combination of variable and universal life that offers flexibility to vary premium payments, investments and coverage with greater market risk. Source of Emergency Cash People everywhere seek – IRAs, 401(k)s or credit cards – for emergency cash. However, according to a 2012 NAIC survey, consumers overlook life insurance as sources for immediate funds. “When thinking about everyday finances, life insurance is not top of mind for most Americans,” said NAIC Vice President and North Dakota Insurance Commissioner Adam Hamm. “More than twothirds of consumers don’t know some types of life insurance include a cash value,” with no requirements to use, and with cheaper rates than borrowing against an IRA or a credit card. Another option may be to cash in a permanent life, which allows for a “retrieve up” to the accumulated value. Doing this should be well thought-out since premiums increase with age, and it is viable for those with enough term life or without financial dependents. The NAIC suggests if choosing permanent insurance, “be sure to consult a licensed investment or tax advisor on which policy best fits your risk tolerance and investment objectives.” Be sure to check your insurance regulators to verify an insurer is licensed in that state.
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THE BODDIE LAW FIRM DEBORAH D. BODDIE ATTORNEY AT LAW
H-12 oct. 2012 / Financial Literacy Supplement
SPECIALIZING IN WILLS ESTATES REAL PROPERTY ELDER LAW
1308 NINTH STREET, NW SUITE 300 WASHINGTON, DC 20001 (202) 387-5800 (202) 387-3965 Facsimile
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As you look to achieve financial success, Industrial Bank stands ready to provide the quality services necessary for you to achieve your dreams. To learn more about our products and services call (202) 722-2000, or visit our website at www.industrial-bank.com
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Financial Literacy Supplement / oct. 2012 H-13
Healthy Money Tips for Families By Misty Brown WI Staff Writer Fundamental money attitudes begin the moment a child can count. Find out how families are preparing preschoolers to young working adults in developing and mastering money management techniques. MONEY 101: The President’s Advisory Council on Financial Capability [PACFC] finds ways to improve the financial capabilities of the Americans. PACFC’s Youth Development Sub-committee created an invaluable website. www. moneyasyougrow.org which is designed to educate families on the importance of mastering “20 Things Kids Need to Know To Live Financially Smart Lives.” Perfect for ages 3 to 18, it addresses various topics that include: “What Is Money as You Grow?” and “How Can You Use Money as You Grow?” Another interesting topic focuses on “Who Can Use Money as You Grow?”
for $300.00. Next year, when I get my driver’s license I will buy my own car insurance,” said Zakiya James, a 15-yearold, conscious consumer who lives in Columbia Heights. EXAMINE YOUR RECEIPTS: Many stores do not update sale prices in the cash registers or they are entered improperly. Check your receipts and verify your monthly bills before paying electronically.
ELIMINATE FINANCIAL PAPER CLUTTER: Firsttime homeowners, individuals who inherit real estate and longtime homeowners should keep all documents, receipts and statements regarding their homes or improvements made to the property. According to the IRS, keep your tax returns for seven years because they have six years to challenge your returns for suspicion of underreporting. The latest trend is to scan any important documents and save to two separate disks with a solid SAVE YOUR ALLOWANCES: Internet security system to This is the first step to teachprevent identity theft. Howing the concept of working for ever, some financial experts your money and saving some advise individuals to keep a of your earnings. Instead of giving a child a $5.00 bill, give hard copy with the second disk in a fireproof file cabinet or five $1.00 bills to save a porthe safety-deposit box at your tion of it. bank or credit union. PLAN BIG EXPENSES: GET A CREDIT CARD & “When, I was 12 years-old, I decided to open up my own CREDIT REPORT: Choose bank account along with my your credit cards wisely. Read younger brothers. At the all fine print. The moment a age of 13, I enrolled at the young adult or college student University of the District of obtains credit, they should Columbia Community College know that the Fair and Acto study for my major career curate Credit Transactions goal, a systems or bio-medical Act of 2003 [FACT Act or engineer. I saved every gift FACTA] was passed to guarunder $10.00 to purchase a antee every consumer a free professional camera to pursue credit report annually. You can my leisure career, a commercial and fine art photographer. receive your credit report from This summer, I saved $500.00. the three major credit bureaus: Experian, Equifax and TranAfter extensive research and sUnion by contacting www. consultation with a professional photographer, I bought annualcreditreport.com or call 877-322-8228. my first Nikon camera online
H-14 oct. 2012 / Financial Literacy Supplement
IS YOUR
LIFE INSURANCE
ADEQUATE?
Here are some major life events that might trigger the need to re-evaluate your life insurance coverage: zz The birth or adoption of a child — If you have children, you want to see them realize their hopes and dreams. These days, it’s difficult enough to make that happen with you in the picture. What if you or your spouse — or worse yet, both of you — were suddenly out of the picture? Would there be enough income to pay for day care, college, and everything in between? Life insurance may help you answer “yes” to these questions.
If you’re on your own now, whether through death or divorce, you may want to reassess your overall financial situation, including your life insurance needs. It’s almost like starting from scratch again because being on your own will likely affect just about every financial calculation you can think of.
If something were to happen to you, you’d probably want your family to be able to maintain their new and improved lifestyle. That’s why it’s a good idea to reassess your life insurance coverage whenever your income rises.
zz Planning for college — College costs continue to increase so you may want to zz Home purchase — begin your college savings If you and your spouse recently efforts sooner, in order to purchased a home, there’s a achieve your goals. Having good chance you acquired a a regular savings strategy is zz Change in marital mortgage as well. Could your just one part of a balanced status — If you’re newly spouse manage the mortgage college funding plan. You may married or just getting married, payments without your income? also want to consider a smart you probably share many What about property taxes, risk management strategy to dreams for the future — you routine maintenance, utilities help ensure that your college also share each other’s financial and unforeseen repairs? How savings goals will be achieved obligations. If one of you were long would your spouse have suddenly removed from the before your dream house was up even if you’re not there, and picture, would the surviving for sale? Life insurance coverage that strategy may include life insurance coverage. spouse have enough money to may help keep the family you cover final expenses, eliminate love in the home they love. Things may change but a debts such as credit card balances and car loans, and buy zz Job change — If you good life insurance agent can help you analyze your needs some time to adjust to a new recently changed jobs, a salary way of life? If one of you were increase may have come with it. so that you can determine to die prematurely, life insurance You may not realize it, but when an appropriate strategy to support your individual may help ensure that these your income increases, your needs will be met. objectives. spending tends to increase too.
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How To Decide Whether To Buy Or Lease Your New Car by Decisive Magazine www.decisivemagazine.com As the economy continues to rebound, more Americans find themselves strolling the lot of their local car dealership and facing a difficult decision -- whether to buy or lease a new vehicle. While there are advantages to both, the Decisive Magazine has learned the ultimate decision depends upon your situation. Benefits of Leasing 1. Driving a New Car. Leasing allows you to get a new car frequently. While this may not be the best reason to get a car, it does mean you’ll always have the latest safety technology and comforts. 2. Affordability. With leasing, you’re getting more car for a lower monthly payment. 3. Less Maintenance. Leasing
TFS_Learning_D&I_Ad_FA.pdf
can help you avoid some hefty maintenance and repair bills. With the exception of a few oil changes and filter replacements, there should be no need for any heavy maintenance. Assuming that you’ve kept the car in good condition and stayed within the mileage limits, when your lease is up, you can simply turn the car in and walk away. 4. Avoid Upside-down Loans. When you lease, you there is no danger of getting stuck in an “upside-down” loan, where you owe more than the car is worth. Benefits of Buying 1. Ownership of the car. When you buy a car, you own the vehicle and will eventually be free of car payments. 2. Lower Costs in the Long Run. While the monthly payments for buying a car are higher than payments for leasing, you will eventu1
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ally pay the loan off. Those initial high payments make up for themselves with years of being payment free. 3. No Restrictions. A lease contract contains many restrictions, such as mileage limits, which may be inconvenient and costly in the long run. An owner can sell at any time, while leases usually include hefty penalties for early termination. 4. Rebates and Incentives. Rebates and incentives for new cars
are abundant for buyers right now. In some cases, these offers might make buying a significantly less expensive option than leasing. For many people, the decision to buy or lease comes down to price, says Wiesenfelder. “We encourage people to use our automatic Loan vs. Lease calculator at Cars.com. By entering in the monthly payment you can afford, you’ll get an idea of which car you could afford to own, or if leasing is a better option for you.”
Decisivemagazine.com features the latest consumer news and information for people of culture. With how-to articles, purchasing tips, and product comparisons, the ultimate goal of Decisive Media is to enable readers to be more “decisive” during these uncertain economic times. For more information, phone 301850-2858, eMail publisher@decisivemagazine.com, or write to us at 8201 Corporate Drive, Suite 500, Landover, MD 20785.
Learning Center
Start your vehicle financing journey with confidence. VISIT:
toyotafinancial.com/prepare for details on credit, the dealership process and payment calculators.
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Financial Literacy Supplement / oct. 2012 H-15
Teaching the Next Generation
Financial Literacy By Dawnyela Meredith
In today’s economy, nearly everyone wishes that his or her personal finances were a little bit stronger. It was recently revealed that household net worth has been set back 20 years, according to the Federal Reserve’s Survey of Consumer Finance. Financial literacy has never been a more important skill and will be even more critical for the next generation. Unfortunately, many children are not getting the financial literacy education they will need as adults. The Jump$tart
Coalition for Personal Financial Literacy’s most recent national survey, which measures the financial literacy in high schools, found that seniors answered just 48.3 percent of the financial literacy questions correctly. Compared to other countries, things do not look any better. Currently, American students rank behind their peers in Mexico, Australia and Brazil in their knowledge of financial literacy and basic concepts like interest rates and budgeting money, according to Visa International Financial
The NAACP: Addressing the Economic Crisis in Our Community The NAACP Financial Freedom Campaign is working to advance a growing economy where there is opportunity and shared prosperity for all. Text ECON to 62227
www.naacp.org/econ
H-16 oct. 2012 / Financial Literacy Supplement
Literacy Barometer 2012. I partner with a public charter school in Washington D.C that teaches financial literacy. The school has taught financial literacy for the past five years, partnering with the Alliance of Securities and Financial Educators—on whose board sits members of the Securities and Exchange Commission. ASAFE volunteers use a program called the Junior Achievement curriculum and model which is a good fit for the school’s educational program which is based on Expeditionary Learning, which emphasizes learning
by solving problems as a superior approach to rote learning. Educators at our school believe that adults not talking to children about money cause financial illiteracy. Unfortunately, in too many families, talking about money is still seen as a taboo topic—or something that young people do not need to know about. Through our six-week financial literacy program, we want to break through that barrier. The program begins with students learning the basics of budgeting, and the impact of interest rates on savings and purchasing things on credit. Along the way, students are tested by activities and competitions to reinforce what they have learned. After students learn the basics, they next tackle more complex financial situations. As the program ends, students learn how to pull together resources to set up and operate a student-run store. In the past, this has enabled students to get real experience making decisions about whether it is the right time to expand, and learn the true costs of buying something on credit. Our goal is to have students leave the program with an understanding of the power and risks of money. We aim to create a foundation from which they can learn to become savers, and grasp the risks and the benefits of credit. In addition to learning an important new subject, financial literacy reinforces the lessons students absorb in math class, including the real world value of concepts like fractions and percentages. Because Two Rivers believes in making character education a key part of learning, financial literacy classes are used to highlight the importance of hard work and making responsible choices. Our commitment to teaching financial literacy is one reason why Two Rivers’ students perform strongly on the city’s standardized math tests. In the District’s 2012 standardized tests, Two Rivers came
Dawnyela Meredith
first in math and second in reading among all D.C. charter elementary campuses. Overall, our elementary school scored 21 percentage points higher than the average D.C. charter school and 29 percentage points higher than the average D.C. traditional public school. Our middle school scored 25 points higher than the average city-run school and 17 points higher than the average charter. Two Rivers also was recently recognized as one of only 22 ‘high performing’ public charter schools by the city’s Public Charter School Board, because of its strong test results. One of the reasons we are able to make a commitment to teaching financial literacy is that, as a public charter school, Two Rivers has greater freedom to set curriculum and school culture than its counterparts in D.C.’s traditional public school system. Faced with budgetary problems, too many school districts are cutting back on teaching financial literacy. The financial collapse of 2008, when many adults counted the cost of their own financial illiteracy, shows us why that decision is a mistake. If we want to prepare today’s students for the challenges and opportunities they will face tomorrow, we as adults need to provide the financial literacy education they will need. Dawnyela Meredith is the Director of Out of School Time Programs for Two Rivers Public Charter School
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The FDIC Money Smart Financial Education Curriculum
T
he Federal Deposit Insurance Corporation’s free Money Smart financial education curriculum is designed to help low- and moderate-income individuals enhance their money management skills, understand basic mainstream financial services, avoid financial pitfalls and build financial confidence to use banking services effectively. The curriculum has been proven to positively influence how participants manage their finances. More than 2.75 million people have attended a Money Smart workshop. The curriculum is available in three versions: Instructor-led versions for those seeking to teach youth or adults A computer-based instruction version for people to complete at their own pace A downloadable Mp3 (podcast) version
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Money Smart is: Free. A source of objective information from the Federal Deposit Insurance C or p or a ti on federal (FDIC), the agency responsible for maintaining stability and public confidence in banks. Customizable based on audience needs. An award-winning curriculum that can bring proven results.
1. Bank On It: an introduction to bank services; 2. Borrowing Basics: an introduction to credit; 3. Check It Out: how to choose and keep a checking account; 4. Money Matters: how to keep track of your money; 5. Pay Yourself First: why you should save, save, save; 6. Keep It Safe: your rights as a consumer; 7. To Your Credit: how your credit history will affect your credit future; 8. Charge It Right: how to make a credit card work for you; 9. Loan To Own: know what you’re borrowing before you buy; and 10.Your Own Home: what homeownership is all about. 11. Financial Recovery: how to recover financially and rebuild your credit after a financial setback.
For more information, visit: www.fdic.gov/moneysmart www.washingtoninformer.com
Financial Literacy Supplement / oct. 2012 H-17
The Domino Effects of Debt:
Student Loans Trigger Financial Stress From Students to Retirees By Charlene Crowell
When this year’s student debt burden surpassed the $1 trillion mark, it became even larger than the amount of debt held on credit cards. New findings now conclude that heavy student loan debt delays the ability of young graduates to buy a home and in the worst scenarios, strips Social Security benefits and even disability income also known as Supplemental Security Income.
“There has been a 46 percent increase in average debt held at graduation from 2000 to 2010. Moreover, total outstanding debt held by the public has skyrocketed 511 percent over the past decade”, according to Denied: The Impact of Student Debt on the Ability to Buy a House, a new research paper by the Young Invincibles, a national youth advocacy group. Their research shows that the challenges of becoming a homeowner are magnified with student debt. Student loan debt has been
rising much more rapidly than salaries for college graduates. When researchers compared salaries of the typical single student loan borrower to the cost of a medianpriced house, they concluded that potential borrowers with a student loan and average consumer debt are not likely to qualify for a mortgage. If a married couple carries a double burden of student debt, it becomes even harder to qualify. Although student loans are usually considered to be a problem for young people, the reality is that
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many seniors share the same debt dilemma. According to the Treasury Department in early 2012, people ages 60 and older owed $2.2 million on student loans that were 90 days or more past due. As a result by August 6, Treasury reduced benefit payments on Social Security checks for 115,000 retirees. Legally, the share of benefits withheld can be as high as 15 percent. In 2005, the United States Supreme Court upheld two federal laws that enable the government to take money from federal benefits to make student loan payments. The Higher Education Technical Amendments Act allows the federal government to collect funds without statutory limitations from defaulters. A second and related act, the Debt Collection Improvement Act, authorizes reductions in Social Security payments for past due student loan borrowers. The only exemption to this second law is on monthly benefits of $750 or less. Consumers who owe $60,000 or more on federal student loans are allowed by Treasury to take as long as 30 years to repay the loan. An additional eight years of repayment is allowed in the event of economic hardship or long-term unemployment. In these instances, payments are deferred while the interest continues to accrue. Who would ever have imagined that a student loan repayment would take 30 years or more? In bygone years the only loans that incurred such lengthy indebtedness were mortgages. Consumers with blemished credit scores or those with limited funds for a down payment may seek an Fair Housing Administration (FHA) or Veterans Affairs (VA) financing with down payments as low as 3.5 percent. However these loans can be expensive and typically take a longer time to
be approved. Since October 2010 three separate price increases on FHA loans have occurred. The most recent was the addition of an upfront mortgage premium payment announced in April that will add $1,500 in upfront costs for a typical home of $200,000. The domino effect of debt begins with a student loan and then delays the ability to qualify for a mortgage. With other consumer debt payments such as car loans, and credit cards taking a larger share of net income, the ability to gain wealth is limited if not stymied. Consumers opting for rental housing may find the monthly payment more affordable on a cash-flow basis; but no equity or wealth is derived on rentals. Further as the rental housing market has tightened, the cost of rental housing continues to increase – thereby leaving fewer disposable dollars to save for a home down payment. And if parents or grandparents signed for a student loan, the benefits they worked for most of their lives are siphoned and tarnish what ought to be the proverbial ‘golden years’. Denied reaches a thoughtful conclusion: “Policymakers who may be unmotivated by individual struggles of borrowers, or unconvinced of the extent of the problem today, would be wise to begin to view student debt in an additional light: as an encumbrance on the recovery of the housing market, and as a result, a potential hindrance to economic growth.” Charlene Crowell is a communications manager for the Center for Responsible Lending. She can be reached at: Charlene.crowell@responsiblelending.org.
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H-18 oct. 2012 / Financial Literacy Supplement
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Financial Planning and Charitable Giving an annual gift that is budgeted into your personal finances. This is the ideal choice if you want Any good long-term finan- to take advantage of tax breaks, cial plan includes a component since you can maximize your tax for charitable giving. Most of us advantages every year. want to live comfortably as we reach retirement age, but equally The benefits of annual giving important is knowing that the include: care we take with our finances zz Long-term financial planning will continue to accomplish great things long after we’re gone. zz Regular tax breaks This might mean leaving a large zz Moderate gift-giving endowment to a cause that’s imIn most cases, your donations portant to you, or simply setting aside some annual funds to do- are deductible to up to 50 percent of your adjusted gross innate to charity. Also known as “planned giv- come. While most of us aren’t ing,” donations and other philan- in a financial place to donate thropic gifts are the backbone of half of our salaries every year, our society. From organizations the national average is a gift of to individuals, the money you about 2.1 percent of your annual give helps support important income. causes—while also helping you to stabilize your own financial Crisis Intervention One of the most common situation through tax deductions. reasons people give money is because of a recent catastrophe, Annual Giving One way in which planned giv- usually caused by extreme weathing is accomplished is through er or political distress. While givBy Wesley Watkis Certified Financial Planner
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ing during times of need is a great way to contribute to society, chances are there is a crisis somewhere on the planet every minute of every day. Many people build a crisis giving component into their annual budgets. This way, you can determine how much you can afford to donate every year, and give when needed, rather than scraping to come up with a last-minute financial gift. You’ll also have the benefit of enough time to choose the organizations carefully, since many of the “crisis fund” groups that arise after a catastrophe are actually scams or take a large portion of the proceeds before passing the donation on. Like annual giving, planned crisis intervention also allows you to build in the necessary long-term financial planning with tax benefits.
planning is a great way to continue providing support after you’re gone—and minimizing inheritance taxes on your estate. Charitable bequests are a great way to ensure that your lifetime of hard work and planning doesn’t go unrewarded. Estate taxes can go as high as 50 percent if you’re leaving a large amount of real estate and money behind, but you can avoid much of this by putting your money where it’s needed most. In fact, according to the Pension Protection Act of 2006 (PPA), once you surpass the age of 70, you can donate up to $100,000 from your IRA to a charity taxfree.
Wesley Watkis
support in any way it’s offered. In order to get the most out of your planned giving contributions, however, it’s best to first meet with a financial advisor who can help you determine the pros and cons of each type of giving. As is the case with any type of long-term financial plan, the support of a licensed professional can ensure that you get the most out of your money and your goals for the future.
Why Give? There are no “wrong” reasons to donate money. It doesn’t matter whether you want to give back to the community, take advantage of tax breaks, or avoid messy inheritance squabbles— Leaving a Legacy Creating an endowment or there are hundreds of organiza- Questions? Email me at legacy gift as part of your estate tions out there that can use your wesley@thewandwgroup.com
Financial Literacy Supplement / oct. 2012 H-19
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H-20 oct. 2012 / Financial Literacy Supplement
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Editorial
opinions/editorials
The SNAP Experiment
This week, hundreds of Americans have joined in an experiment that’s a reality for millions of poor and elderly people who rely on food stamps to feed themselves and their families. They are participants in the Supplemental Nutrition Assistance Program [SNAP] Food Stamp Challenge of 2012. For one week, elected officials, media representatives, anti-poverty and anti-hunger advocates, along with faith and community leaders are seeing what it’s like to live on $30 per week per person for food. In the District, Ward 3 Council member Mary Cheh, who took the challenge, had reporters follow her to a local grocer to observe her as she purchased her $30 allotment of food which included cans of tuna, bread, spaghetti sauce, milk, oatmeal and bananas, along with a few other items. Hoping to prepare enough meals to sustain her for seven days, Cheh told reporters that this experiment should also help her and other local legislators make the hard budget decisions with those in mind who don’t have the basics, like food. The Food Research and Action Council [FRAC] initiated the SNAP Challenges “to help educate the public and opinion leaders about what it means to live on a limited budget.” Those who rely on food stamps rose to more than 43 million Americans this year, and the numbers are consistent with the increasing numbers of individuals who have been added to the unemployment rolls in recent years. In the District, there are approximately 140,000 people living on food stamps and they receive an average of $141 per month per person. This effort is important in the movement to fight hunger and health disparities that seems to be ravaging communities across the country. SNAP, due to its benefits, is protecting Americans from food insecurity and from sinking deeper into poverty. Yet, it is interesting to note that some recipients view the SNAP Challenge as laughable. They say it fails to fully acknowledge the program’s benefits but instead it focuses on its shortcomings. And, the problem, they say, is not the amount of the benefit families receive, but the consumer and nutritional education that should be part and parcel of the benefit. Some also admit that greater safeguards are needed to curtail commonly known abuses of the program. One week isn’t long enough for anyone to fully appreciate what it’s like to live for months or years on a limited budget, although the act shows compassion. There are lessons to be learned, however, and SNAP has proven how creative Americans can be when less is the only choice many have to provide for their families.
The D.C. Choice D.C. Council members backed down from a proposal to charge nonresident District government employees a four percent tax on their income. It was a measure designed to obtain revenue from the 52 percent of city employees who drive into the District to work on a daily basis. Union leaders called the measure ridiculous and vowed to fight to the end if it was introduced. But the fact remains that out of the 31,059 District government employees, only 14,276 [42 percent] are District residents. Ward 4 Council member Muriel Bowser sought to drill down those numbers to determine how many of the city’s deputy directors live in the District, which is required by law; how many have claimed a hardship case, which exempts them from the residency requirement, and what it will take to keep District workers in the city. D.C. Department of Human Resources Director Shawn Stokes, who testified last week before Bowser’s Committee on Government Operations, agreed that the District’s residency program is “almost irrelevant.” She reported that many D.C. residents who apply for District government jobs choose not to take advantage of the 10-point preference afforded them for living in the District. “The numbers,” she said, “have fallen off for those who are claiming the residency preference.” We believe it’s necessary and appropriate for Bowser to investigate whether the penalties are too big or the incentives not big enough to keep District government employees in the city. She admitted that while being a native Washingtonian, the hook for her was the District’s first-time homebuyer tax credit that put $5,000 in her pocket when she bought her first home. However, many District employees opt to leave the District in a year or so after they have been hired. The highly controversial tax measure won’t see the light of day, especially since there is no one on the Council with the guts to risk their elected position to fight for it. But Bowser is headed in the right direction by asking workers about their housing choices and determining what factors are important to make D.C. their choice.
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Great Job, DCBIA!
I really enjoyed reading Elton Hayes’s “Congress Heights Recreation Center Gets a Makeover,” article in last week’s [Oct. 4] edition of the Washington Informer. It was a pleasure to learn that the District of Columbia Building Industry Association [DCBIA] representatives took the time to invest in a community project. They’re a large and influential association, and I was very impressed to see them out in the community, making a difference. It was also refreshing to read that so many volunteers from diverse backgrounds, and walks of life, came out to participate as well. Young men like Lorenzo Simms, who brought along the youngsters who play on his basketball team participated in the daylong event. He’s a great role model. I’m sure that there were other things that Simms could have found to do on a Saturday morning. But he was out in our community with his charges, helping to make it better. Many children in Congress Heights call the recreation center their home and spend countless hours playing there. Its facilities have been in terrible shape for a while
now. But thanks to the well-timed and much-needed renovations from DCBIA and their volunteers, the children now have a beautiful center to play in and enjoy themselves. The new pathways installed will make traveling to and from the nearby Metro station a lot safer and more accessible. The new community gardens are also a great addition. I thoroughly enjoy reading the Informer, and stories like these are a large reason why. There’s no shortage of negative news everywhere you turn. However, stories like Mr. Hayes’s affirm that there are still people out there who have good hearts, are compassionate and remain committed to making a positive difference in our community. Keep up the good work! Janice Watson Washington, D.C.
HistoryMakers Make the Difference! What a lovely article about those who have left an indelible mark not only upon our history but upon American history. The story, “HistoryMakers Program Showcases
Distinguished Leaders at District Schools,” written by Dorothy Rowley and published in the Oct. 4 edition of the paper, really hit the mark. It’s nice to know that people like former U.S. Rep. Ron Dellums, [DCalif.] who also happens to be the current mayor of Oakland, Calif., and Reggie Weaver, the former president of the National Education Association along with Raymond Jackson, a professor of music at Howard University care enough about our children to return to District schools to share their life stories – provide invaluable insight – and recount their tribulations along the way. Despite the odds, failure was never an option for these men, nor should it be for our children. I applaud the Washington Informer for covering stories of this nature and it’s my most fervent hope that the paper continues to report stories that are uplifting and prove that despite the odds – we’ve always been and continue to be HistoryMakers! Maurice Johnson Washington, D.C.
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. The Washington Informer
Oct. 11, 2012 - Oct. 17, 2012
23
opinions/editorials
Guest Columnist
By Raynard Jackson
Romney’s Campaign Co-Chair Dismisses Obama as ‘Lazy’
Have you ever known that something was going to happen, but still was shocked when it actually happened? Well, to my dismay, I have just had that happen to me. I have been telling my fellow Republicans for months that by October, our party would start playing the race card in an effort to gin up the White vote. Romney’s campaign co-chair and former New Hampshire Gov. John Sununu, is the personifica-
tion of this. Last Thursday, he appeared on MSNBC with Andrea Mitchell. She asked him to give his postdebate analysis on Romney. Sununu immediately digressed into this tirade about the president. Mitchell was visibly stunned when Sununu said, “What people saw last night, I think, was a president who revealed his incompetence – how lazy and detached he is and how he has absolutely no idea how serious the economy problems of the country are and how he has failed to
even address them.” Mitchell tried to give Sununu a chance to correct his statement by asking him, “Governor, I want to give you a chance to maybe take it back. Did you really mean to call Barack Obama, the president of the United States, lazy?” Sununu replied, “Yes. He didn’t want to prepare for this debate. He’s lazy and disengaged.” A stunned Mitchell responded, “I think there certainly was a performance issue there and whether or not he was in his best form last night,
Guest Columnist
a lot of people are questioning that,” said Andrea. “But I think to call the president lazy and disengaged is another whole question.” Sununu’s response was, “Whatever, Andrea. Whatever you want.” This is not an isolated incident with Sununu; he has a history of being a blowhard, especially when it comes to Obama. A few months ago on a campaign conference call about small businesses, Sununu stated, “I wish this president would learn how to be an American.”
Sununu said on Fox News that Obama. “has no idea how the American system functions, and we shouldn’t be surprised about that, because he spent his early years in Hawaii smoking something, spent the next set of years in Indonesia.” On another Fox News Channel program, Sununu said, “When you’re not that bright you can’t get better prepared.” If Sununu was speaking as a private citizen, I would just ig-
See Jackson on Page 41
By Julianne Malveaux
A Listless Obama is Still Better than Romney Somehow, the body snatchers came last Wednesday and took the fire (as in fired up, ready to go) out of President Obama, leaving a rather listless shell of a man who never truly engaged the audience or his opponent. He looked down at his notes, fidgeted, and let Mitt Romney get away with multiple lies. The body snatchers didn’t stop there. They also took Mitt Romney, the greedy venture cap-
italist who likes to fire people, and turned him into a facsimile of a human being. Of course, with Romney’s disrespect for both President Obama (interrupting him several times) and moderator Jim Lehrer (who he simply ignored), the faux human being turned out to be one that was rude, arrogant, overbearing, and clearly rehearsed. Romney threw out a line that he had five boys, thus he was used to hearing the same thing said over and over as if it were
the truth. President Obama could not ask Romney who taught the little liars, but that’s what went through my mind. Before the debate was over, it was clear that Romney behaved in just the way he said his sons did, repeating lies about taxes, Medicare, and employment several times, as if there was any truth to them. He had another line, where he said President Obama was entitled to his own house and his own plane, but not his own facts. I might have
Guest Columnist
said something snarly to the faux human being along the lines of you’ve got your own billions, your own SuperPACs, but you can’t buy your own facts. While President Obama does not to be as sarcastic as I usually am, he surely could have given Romney a better run for his money. Still, anybody who can do arithmetic knows that Romney has a penchant for mathematical fiction. How can you cut the taxes on the wealthy (which is done if the Bush tax cuts are not
allowed to expire), cut tax rates by 20 percent, and end up with a revenue-neutral solution? He says by cutting spending, and he cites Public Broadcasting as one of the cuts he would make. Public Broadcasting represents less than one-thousandth of 1 percent of the entire federal budget, so cutting it won’t make much difference to the deficits he is quick to rail against. President Obama was right
See Malveaux on Page 41
By James Clingman
Our Misguided Priorities Centuries ago, Black people in America came to realize they had to fend for themselves in order to survive in this foreign land. As enslaved Africans, with talents and skills necessary for building the wealth of this country, they never had to be concerned about their employment rate – it was always 100 percent. What they did have to worry about was how they could someday free themselves from the yoke of bond-
age. Our ancestors figured out very quickly that if they had money, they could buy their way off the plantations and become free men and women. They understood the value of their skills and knowledge, and began to “negotiate” with their enslavers for the right to have a little piece of land on which they could grow crops for themselves and sell a portion to others. As our ancestors accumulated money from their entrepreneurial initiatives, they were able to
24 Oct. 11, 2012 - Oct. 17, 2012
purchase their freedom and that of their family members and friends. The entrepreneurship skills inherent in those enslaved Africans came to the fore, and set in place the priority of economic empowerment among Black folks in this country. They knew that ownership and control of income producing assets were keys to their success. I often wonder what our forebears would say to us today about our failure to place that same priority on our economic empowerment. Under the worst The Washington Informer
of circumstances, they worked hard to gain the economic footing needed to care for their families and send their children to school. They did what they had to do, that is, use entrepreneurship to elevate themselves to levels that would eventually lead to flourishing Black-owned and operated enclaves across this country. Today our priorities have changed almost to the point of ignoring the very basis of existence in this capitalistic society. The rules have not changed
since our ancestors learned them and passed them on to us through their demonstration of individual and collective pursuit of economic empowerment. In general, it seems we have become a complacent bunch of mentally enslaved people, driven by emotional speeches, paralyzed by the passion of what could be rather than what really is, and captivated by the success of others while ignoring our own lack of success.
See Clingman on Page 41 www.washingtoninformer.com
opinions/editorials
Child Watch©
By Marian Wright Edelman
Empowering Farm Workers As the founder of the Agricultural Workers Association, the co-founder with Cesar Chavez of the United Farm Workers union, and the founder of the Dolores Huerta Foundation for community organizing, Dolores Huerta has spent decades working relentlessly to improve social and economic conditions for farm workers and to fight discrimination in all forms. In the process, she has improved the lives of countless children and
families, especially poor and immigrant families. Huerta started out with a mission to be a teacher, but quickly realized that most of her students were children of farm workers who lived in poverty. She couldn’t stand seeing the children coming to class hungry and needing shoes and she thought she could do even more to help them by organizing their parents. Huerta’s many successes over the years have proven her right about the power every person can have once they are ready
to claim it and work together with others for change. When Huerta spoke to community and youth leaders at the Children’s Defense Fund’s recent national conference, she shared some of her wisdom from her long legacy of working for justice—starting with the point that the people who need change most are the best ones to make it happen. “The thing that we have to remember is that change comes from the bottom, okay? All of the changes that have been made, whether it’s the
Guest Columnist
civil rights movement, the peace movement, the women’s movement, the LGBT movement, the immigrants’ rights movement . . . we can make the change, but it’s got to start with us. The one thing that we have to always tell people is that nobody is going to do this for us. We have to do it for ourselves. And the one thing that we know is that the people who are suffering the problems are the ones that have the solutions. The people that are going through the suffering and the discrimina-
tion, they are the ones that have the answers to how to solve the problems. So the only things that we need are the resources for organizing so that we can share our stories.” In this election year, she also had a reminder about the critical importance of including the electoral process as a piece of organizing: “And, of course, part of the way that we were able to make so many changes for the farm workers . . . is by getting out
See edelman on Page 42
By George E. Curry
Conservatives Conspire to Do a Job on Latest Jobs Report
The birther issue – the preposterous idea that President Obama was not born in the United States – was finally put to rest, but that has not prevented conservative conspiracy buffs from seeing a plot behind the falling unemployment numbers. Conservatives, led by Republican presidential candidate Mitt Romney, have been pounding Obama for maintaining an un-
employment rate above 8 percent. They cited federal Bureau of Labor statistics to support their claim. Yet, when that same source placed the August number at 7.8 percent, they are trying to persuade the public that it is all part of a liberal conspiracy to re-elect Obama. Led by the conservative Fox News network, the conspiracy about the conspiracy began long before the release of the latest numbers. Fox’s Sean Hannity said on May 12, “the vetting of Obama
has begun, his economic record, his debt, his unemployment numbers which they are fudging, I don’t think are honest…” Two months earlier, Fox’s Eric Bolling said: “Four million people have left the workforce. If you add that 4 million people – under President Obama – if you add those 4 million back in, the same amount of jobs, the same number of jobs divided right now among people in the workforce would show about a 12 percent unemployment rate. “So, are they playing around
ASKIA-AT-LARGE
with the numbers? Look, it’s the Bureau of Labor Statistics. It’s supposed to be non-partisan, but that’s the Department of Labor, Hilda Solis heads the Department of Labor. Hilda Solis works directly for Obama.” When Bolling was asked, “Are you saying they’re cooking the books?” he replied, “I’m saying, there’s room for error. There’s room. But when you’re talking about four million people, how do you know?” If there’s room for error, Bolling is in that room.
As economist Justin Wolfers told Salon: “First, if you know and understand the BLS and its structure – its statutory structure and its employment structure – you understand this simply isn’t how things happen. The BLS is independent of the Department of Labor. If you go to the BLS website, you won’t even find a picture of the Secretary of Labor there. It’s completely firewalled.
See Curry on Page 42
By Askia Muhammad
The Debate ‘Rope-a-Dope,’ They Hope The origin of the “Rope-aDope” was the successful boxing technique employed by Heavyweight Champion Muhammad Ali, when he knocked out his bigger and stronger opponent George Foreman to regain his title during their 1974 match. In that fight Mr. Ali was literally beaten for the first four rounds, before rallying, taking charge and then knocking out his oppowww.washingtoninformer.com
nent in the eighth round. Many supporters of President Barack Obama suggested after his anemic performance in his first debate with former Massachusetts Gov. Mitt Romney that Obama’s showing was part of his “Rope-a-Dope” scheme. At least they hope it was. Going into the debate Oct. 3, the president enjoyed acrossthe-board leads both in national public opinion polls, and in polls in key Electoral College battleground states and Gov. Romney needed a proverbial “knock-out”
of the incumbent in order to revive his failing chances for victory on Nov. 6. Using tricks and lies, and stage presence, Romney didn’t get a clear knock out per se, but he seemed to get what he needed. The Rasmussen poll found an approval “bounce” for Romney after the debate. Their tracking poll of the national race, released Oct. 6, showed Romney with 49 percent to Obama’s 47 percent, a reverse from just one day earlier. “These U.S. presidential elections are in part an exercise in
psychological warfare,” Dr. Gerald Horne, professor of history at the University of Houston told me. “There are countless voters in this country who have not [made up their minds as to who they’re going to vote for or vote against], in part because they look at elections like sports. They want to be on the winning team.” “Political operatives see it as their mission to create this psychological atmosphere that makes it seem as if their candidate has momentum. I think
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that the Romney team and the Republican Party operatives did a masterful job in terms of creating this impression that Romney has triumphed in this debate, although if you look at a lot of what he said with a close eye, there are a number of misstatements, there are a number of evasions, some might even say outright prevarications,” said Dr. Horne. Many of Obama’s supporters expressed surprise, even
See Muhammad on Page 42
Oct. 11, 2012 - Oct. 17, 2012
25
LIFESTYLE
GG
Groove Phi Groove Social Fellowship, Inc. was founded at Morgan State College [now Morgan State University] on Oct. 12, 1962 by 14 daring, young black American men. Today, Groove Phi Groove boasts 40,000 strong. /Photo courtesy of Groove Phi Groove
Groove Phi Groove Celebrates 50th By Barrington M. Salmon WI Staff Writer This week, Chicago attorney Victor P. Henderson will join about 5,000 fellow members of Groove Phi Groove [GPhiG] in Baltimore to celebrate its 50th anniversary. Henderson, the national president, said he looks forward to the communion and marking five outstanding decades of outstanding service, brotherhood and achievement. “The two most important things we’re doing, generally and specifically, is giving time and money to young people, especially black men,” said Henderson during an interview Monday night. “This is the core of what we’re doing.” “It’s not about us, it’s about the community. Grooves are unlike members of other organizations because we’re outsiders, the outsiders of the insiders. We made a conscious decision not to join mainstream groups. There’s nothing more powerful than a black man who goes against the grain.” Henderson said this year’s theme, “Celebrating The Past...While Charting the Future” recognizes the organization’s service to the community, and its commitment to a stronger future. During the week, students from several Baltimore high schools who participate in the organization’s Groove Leadership Academy [GLA] will participate in forums. Several lucky students will
also be awarded scholarships during a special banquet. “It’s truly overwhelming when you can see the results of your vision from a half a century ago still alive and active in our brothers today,” said Barry Hampton, one of the founders and past president of Groove Phi Groove. “This anniversary represents a legacy of 50 years of service and dedication to the community. We’re young, but through our many chapters, we have become a major force when it comes to outreach, making a significant difference in the lives of others, and in ourselves.” Henderson, 51, said Groove members take the students on field trips, to the theater, to meet professionals, as well as enjoy sporting events. “It’s more about the time we spend,” he said. “We’re still tinkering because we want to make sure that we do it enough to make an impact. We let each chapter feel its way on that.” Hampton, 71, recalled the early days. He said he and several of the founders began classes at Morgan State University in 1960. They stayed on campus for one semester then began looking off-campus for a place to live. They ended up living in approved homes, paying $96 a month rent. The friends settled in and started having parties. “The parties became popular,” Hampton said. “We invited all of the frats, sororities and others. We developed camaraderie.”
26 Oct. 11, 2012 - Oct. 17, 2012
Ten Founders of Groove Phi Groove today. Seated – Left to Right: Founders Barry Hampton, Nathaniel Parham, Charlie Johnson.Standing – Left to Right: Founders Woodrow Williams, James Hill, Nathaniel Monroe, Barry Simms, Bob Simpson, John Conquest, Walter Goodwin. Founders not shown in photograph – Glenn Brown, Raymond Clark, David Nesbitt. Harry Payne, deceased./Photo courtesy of Groove Phi Groove
Hampton laughed as he explained how the group got its name. “If we had a young lady, we’d groove. We’d ask, ‘Who’re you grooving with?’” The name stuck. One Friday evening, Hampton said, he and his friends marched in a line across campus and strode through the library singing, which raised the ire of the dean who demanded the names of all involved. Under the threat of expulsion, one young man revealed them. No serious trouble came out of that spontaneous act, but the friends started an informal group. Hampton said to that point, no one from a non-Greek organization had ever been elected student body president so he struck a deal to support a student seeking the position in return for him helping the Grooves get on campus. GPhiG’s founders were: Hampton; Nathaniel Parham; The Washington Informer
Charlie Johnson; Woodrow Williams; James Hill; Nathaniel Monroe; Barry Simms; Bob Simpson; John Conquest; Walter Goodwin; Glenn Brown; Raymond Clark; David Nesbitt and Harry Payne, who is deceased. The 13 remaining founders all remain active with the organization they helped create. Hampton said the organization incorporated in 1962 and took on a line of 25 young men. Soon the organization spread and was chartered at schools including North Carolina A&T, Delaware State, South Carolina State, Cheyney and Lincoln universities. It has 40,000 members. “We were in black schools in southern states but we had a lot of people in New York and New Haven, Conn., too,” said Hampton. “We were very powerful at Cheyney and Lincoln.” The conclave will be held Oct. 10-14 at the Baltimore Marriott
Hunt Valley Inn. Groove member, Vernon “Earl the Pearl” Monroe, will be the guest speaker during the Founders Luncheon & Scholarship Presentation on Thursday, Oct. 11 at 12:30 p.m. Monroe, an NBA Hall of Famer, played for the Baltimore Bullets, now the Washington Wizards and the New York Knicks. Hampton said activities include a golf tournament; a prayer breakfast; boat ride; church service; and a Black and White Ball. “This is a historic moment in the annals of our organization, and to celebrate it with our founders makes it even more so,” said Henderson. “We are fortunate to be able to honor and interact with [them]. The strength and commitment of these 14 men are a result of who we are today.” wi www.washingtoninformer.com
ctm Paris Get Ready!
Six-year-old Shaniya Taylor checks herself in the mirror before hitting the runway in the “Funky Wear” fashion show in Waldorf, Md., on Sept. 30. /Photo by Khalid Naji-Allah
Paris Ready! Back Get on the Six-year-old Shaniya Taylor Campaign checks herself in theTrail mirror
President Barack Obama before hitting the runway in waves goodbye to the White the “Funky Wear” fashion House Press Corps and show in Waldorf, Md., on others30. before boarding Sept. /Photo by Khalid Air Force One en route to Naji-Allah another campaign stop on Friday, Oct. 5 at Dulles International Airport. /Photo by Khalid Naji-Allah
Art Works!
Dr. Jacqueline Brown, right, executive director of Prince George’s African American Museum & Cultural Center, talks with Rep. Donna Edwards [D-Md.], left, during the museum’s first annual gala in Greenbelt, Md., on Saturday, Oct. 6. /Photo by Khalid Naji-Allah
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An Event to Remember
Spoken word artist Lamont Carey, raps during the Roll Out the Red Carpet event in Northwest that celebrated the opening of “Image Works” on Friday, Oct. 5. /Photo by Roy Lewis
Oct. 11, 2012 - Oct. 17, 2012
27
Horo scopes
LIFESTYLE
oct 11 - oct 17, 2012
ARIES This week should bring an opportunity to further your education, don’t pass it up. Pay special attention to details at work. A friend needs your support. Find joy in giving it. Soul Affirmation: All things work together for good. Lucky Numbers: 26, 35, 43 TAURUS Your leadership skills are shining this week, so get out there and glimmer with good vibrations. Others are looking to you for guidance and as a path to follow. Let your journey through the week provide a good model. Soul Affirmation: I let worry fly away. Lucky Numbers: 15, 16, 39 GEMINI You are brilliant this week as you gather materials and resources together for an important project. There’s a good probability for wonderful news late in the afternoon. Ride the vibes and be gentle with your own feelings. Soul Affirmation: There are plenty of fish in the sea waiting for me. Lucky Numbers: 1, 42, 50 CANCER A date or meeting that is unexpectedly cancelled may make someone very unhappy. Recognize that all things work for good, and that a better solution is being provided in the space between what you think you want and what you are getting. Soul Affirmation: This week silence speaks loudest and truest. Lucky Numbers: 20, 40, 41 LEO Serenity is yours as you realize you can get what you need. It’s coming and you deserve it! Take a few quiet moments this week to listen to your inner voice. It will give you a powerful hint about what activities you should be pursuing right now. Soul Affirmation: I let positive emotions carry me through the week. Lucky Numbers: 8, 17, 21 VIRGO In all of the hustle and bustle of the week this week, take some time to observe the Now. There’s a great deal to be thankful for! A great idea could come to you when you are out with friends. Soul Affirmation: I celebrate with those around me. Lucky Numbers: 39, 51, 52 LIBRA Relax the grip you have on your attitudes this week, and just go with the flow. Ease up in full knowledge that goodness is being perfectly fulfilled. Let go of any feelings of insecurity or loss and bless the perfect moment. Soul Affirmation: I quiet all confusion. Lucky Numbers: 1, 5, 24 SCORPIO Exhilaration is high and your mental abilities are amazing. Use your intuition to brainstorm your way to a highly creative idea that could change the way you make your living. Soul Affirmation: I give thanks for the chance to give. Lucky Numbers: 23, 46, 49 SAGITTARIUS What you say and what you do are in harmony this week. The importance of your idea(s) comes through very clearly to others. They can see that you walk what you talk. Communicate your ideas through your values. Soul Affirmation: I give thanks for the goodness in people. Lucky Numbers: 6, 11, 18 CAPRICORN If you feel as if the vibes this week are mixed at best, make up your mind to only receive the positive ones. Tune the transmitter in your soul to life and give your spiritual a workout. You are in charge of who you are. Soul Affirmation: I see myself as a finisher rather than a starter this week. Lucky Numbers: 7, 34, 40 AQUARIUS A benefit arrives, and there’s good reason to celebrate. Claim your blessing and do the happy dance! Loving, supportive friends surround you, and family members are well behaved. Enjoy! Soul Affirmation: I speak my mind knowing that truth is my best defense this week. Lucky Numbers: 8, 50, 55 PISCES Look forward to some pleasant news. There is every possibility for a renewed love affair or a refreshing new romantic interest. Free yourself from the past and make a fresh start. Soul Affirmation: I see myself as a finisher rather than a starter this week. Lucky Numbers: 21, 34, 48
28 Oct. 11, 2012 - Oct. 17, 2012
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LIFESTYLE
Griot
“A Gangster and A Gentleman”
ron that ad didnt work can i get another
by Kiki Swinson and De’Nesha Diamond c.2012, Kensington
it wouldnt load on page
$15.00 / $16.95 Canada 320 pages By Terri Schlichenmeyer WI Contributing Writer Grandma always said to find yourself a nice man. When you were growing up, that was the advice Granny had for you. Find a good man, she said. One who would provide, who didn’t lie around, drink up the paycheck, or pick fights. A churchgoing man, she said. That’s what you needed. And you agree, with one addition: you’d like a streak of wild, too. So would a lot of women, to a greater or lesser degree. In the new book “A Gangster and A Gentleman” by Kiki Swinson and De’Nesha Diamond, you’ll read two stories about women who want a lot of bad in their boys. Melody Goldman had it all: a huge mansion, unlimited credit cards, designer clothes, a new Jaguar, a personal shopper, and in “I Need a Gangster,” she also had a lawyerhusband to pay for it all. But Melody didn’t just love Richard for his money. She loved what he did in the bedroom, too. Richard knew how to work it, that was for sure. So when Melody came home from shopping, expecting a little Richard in the sack, she got a big surprise: Richard’s bags were packed and he was leaving. The bigger surprise came when Melody learned that Richard had frozen their bank account, locked her out of the mansion, and taken her car – and there wasn’t a thing she could do about it. Signing that pre-nup wasn’t the best idea. Buying life inwww.washingtoninformer.com
ATLAS
Art. Culture. Connection.
Campbell Brothers surance for Richard wasn’t good either, because Melody wouldn’t get a thing unless Richard died before the divorce was final. But with Mad Melody, that could easily be arranged … Elijah Hardwick was an 8-year-old when his entire family was gunned down in a gang blackout – and he might’ve died, if it wasn’t for Mafia Don. The gangster took the child in and raised Eli as his own so, naturally, Eli felt indebted to his godfather. So when the Haitian gangster, Midnight, put a blackout on Mafia Don, it was also natural that the Don send his best enforcer to Los Angeles to protect a daughter, Blake, who few knew the Don had. But the “little girl” was a fine woman, and Blake Scott didn’t take any bull from any man. In “Gentlemen Prefer Bullets,” that could get her killed. Violent, gritty, filled with
four-letter words, but downright fun, “A Gangster and A Gentleman” is definitely not something you’d want to give to Grandma. Authors Kiki Swinson and De’Nesha Diamond bring their readers right down to street-level with guns blazing and bullets ripping. The women in these novellas are sexy and sassy. The men are hardbodied and swaggering. The language is harsh and takes no prisoners. Put it all together and you’ve got two steamy stories that will make your heart pound for more reasons than just one. Bring a fan for yourself because you’re going to need it when you read “A Gangster and A Gentlemen.” If you’re a lover of street lit or you just want a book with fire, this one’s so good, it’s bad.wi The Washington Informer
“Truly magnificent and moving.” –Real Blues
Saturday, October 13 at 8:00 PM Gospel music and electric steel guitar in a performance both devoted and rocking Tickets: $15 - $32
Ben Williams & Sound Effect
“the baddest new bassist on the block” –Revivalist
Wednesday, October 17 at 8:00 PM Rising star and DC native sets new trends in jazz, soul, hip-hop, and pop. Tickets: $15 - $30 Atlas Performing Arts Center 1333 H Street NE atlasarts.org 202.399.7993 ext. 2 Oct. 11, 2012 - Oct. 17, 2012
29
Professional Football Highlights
sports
Falcons Top Redskins, 24-17
Redskins running back Alfred Morris keeps William Moore at bay and runs for his second first down in a row in the first quarter of NFL action at FedEx Field in Landover, Md., on Sunday, Oct. 7. The Atlanta Falcons defeated the Washington Redskins 24-17. /Photo by John E. De Freitas
View
Sports Photos by John De Freitas
at:
Redskins quarterback Robert Griffin III keeps the football from Tyson Clabo early in the third quarter of NFL action at FedEx Field in Landover, Md., on Sunday, Oct. 7. Griffin was hit in the head a few plays later as he attempted to reach the goal line and was removed from the game for observation following the injury. /Photo by John E. De Freitas
Atlanta Falcons tight end Tony Gonzalez catches a game-tying touchdown pass in the second quarter as Redskins linebacker Lorenzo Alexander defends during NFL action at FedEx Field in Landover, Md., on Sunday, Oct. 7. /Photo by John De Freitas
30 Oct. 11, 2012 - Oct. 17, 2012
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sports
Howard University 17, Florida A&M 10
Howard University RB Terrence Lefall runs for a first down as his teammates provide protection for him in the first quarter of college football action at Greene Stadium in Northwest on Saturday, Oct. 6. Howard defeated Florida A&M 17-10. /Photo by John E. De Freitas
Howard University TE David Wilson breaks through Florida A&M’s defense in the second quarter to score a touchdown on Saturday, Oct. 6 at Greene Stadium in Northwest. /Photo by John E. De Freitas
Florida A&M quarterback Damien Fleming [7] runs away from Howard defender Devin Rollins during the second half of college football action at Greene Stadium in Northwest on Saturday, Oct. 6. Howard defeated Florida A&M 17-10. /Photo by John E. De Freitas
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Oct. 11, 2012 - Oct. 17, 2012
31
LIFESTYLE
Tiny Ford Aims to be King of the Hill By Njuguna Kabugi WI Contributing Writer There was a time, in the not too distant past, when buying an inexpensive cars meant you were doomed to live with a boring car. I am certain that many of this fine newspaper’s readers who have attained a certain age still carry tales of tribulations inflicted by small cars they were only paired with because of economics. If you could not cough up the cash for a decent car, you were forced into an arrangement that demanded you ignore unattractive design, poor workmanship, terrible handling or decent safety.
DC
Increasingly busy city streets and high fuel costs have forced manufacturers to give the small car its due. Many of the best small cars coming out nowadays combine practicality with fun. That’s the case with this week’s feature – the Ford Fiesta. When a Ford representative dropped the Fiesta at my house, I was immediately wowed by its swanky European looks and techie edge attitude. With bright red paint accented with aluminum wheels, the Fiesta conveys a confident “you will not forget me soon” attitude. With an aggressive grille, big lamps, sharp lines and pronounced fenders, the Fiesta is a
The Ford Fiesta is the type of car you should buy if you enjoy driving but do not have a lot of money. /Photo courtesy of Ford Motor Company
styling standout that you won’t be embarrassed to be seen in. How I wish I could say the
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32 Oct. 11, 2012 - Oct. 17, 2012
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same about the Chevy Chevetteecono-box I drove after college. European-like driving dynamics and highway fuel economy of 38 miles per gallon [40 mpg for the SFE version] solidify its cool cred. Powering the little party on wheels is a 1.6-liter inline four that produces 120 horsepower and 112 pound-feet of torque. I loved driving the Fiesta in D.C. and its environs. It drives just as dashing as it looks, with impressive steering and handling and a nimble, maneuverable feel. On a long, straight highway, the Fiesta is a champ: It has a solid, on-center feel and can’t be shoved around by crosswinds. Parking in tight city spaces is less of a challenge with this Ford. On a Saturday afternoon, when no one else could find parking on the street in Crystal City, I easily wedged the Fiesta between an SUV and a Minivan. For safety, Fiesta features seven airbags including a classexclusive driver’s knee airbag, Tire Pressure Monitoring System, four-wheel anti-lock brakes and Ford’s AdvanceTrac® with electronic stability control to help drivers keep the vehicle in control under a wide
variety of dynamic driving conditions. Like larger Ford vehicles, Fiesta employs the Trinity front crash structure to help prevent occupant injuries in a frontal crash incident. Ford Fiesta was Europe’s top-selling small car and No. 2 best-selling car overall in April and through the first four months 2012. This year, it was named a Top Safety Pick by the Insurance Institute for Highway Safety [IIHS]. Kelly Blue Book lists the Fiesta as one of the “coolest cars” on the road today. Despite all the accolades for this tiny car – I have a few nits to pick with Ford on its pricing. While the base Fiesta S starts at just $13,995 and includes a decent sound system with auxiliary input, a split-folding back seat, rear heater ducts, A/C, power locks, a tilt/telescopic steering wheel, the competition is offering more and matching Ford’s prices. I drove a Kia and a Hyundai, both equipped with XM radio, a Navigation system and a backup camera for several thousand less than a comparable Ford. Fully load a top-of-the-line SES hatchback and you could hit about $23k, which kicks it way out of this class in pricing. wi
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The Religion Corner
religion
It Rains on the Just and the Unjust “But I say to you, love your enemies, bless those who curse you, do good to those who hate you, and pray for those who spitefully use you and persecute you, that you may be sons of your Father in heaven; for He makes His sun rise on the evil and on the good, and sends rain on the just and on the unjust.” [Matthew 5:45]. Not long ago, I felt compelled to delve into Matthew 5:45. I wanted to know what the words in this particular scripture actually mean and how readers could incorporate this powerful scripture into their daily lives. In the King James’ version of the Bible, Jesus’ words are set apart and penned in red ink to delineate for readers, the Son of God’s actual words. However, I often hear people misconstrue the last line of the verse. They say, and I’m inclined to agree with writer Jess Dole, who has also noted that the majority of us refer to this scripture incorrectly. Let’s remember that our Lord and His mercy endures forever. Unfortunately, we say, “Well, you know, God lets it rain on the just and the unjust,” and based on the tone of their voices and the context from which it’s taken – that’s meant to be a negative – that’s not the case. Jesus meant this in a very positive way. For example, if you’re enjoying a day at the beach or a picnic in the park, you probably don’t want it to rain. But farmers looked for, and continue to hope for rain. Rain helps to ensure healthy crops. Rain, as you know, serves a useful purpose. So Jesus wasn’t saying in Mat-
thew 5:45 that God sends bad things upon the just as well as the unjust, at all. Quite the opposite – God sends sunshine for those who are evil as well as those who are good. And, rain falls upon the just as well as the unjust. Notice that Jesus started out by saying, “Love your enemies, bless those who curse you, do good to those you hate you.” Love, bless, do good – not just for your friends – but for your enemies as well. That’s God’s way, and when we follow it, we demonstrate that we are sons of the Father. The word, “sons” speaks of our maturity, and our love and kindness toward our enemies. It shows that we are indeed members of God’s family – we’re actually living up to the family name. There are, without a doubt, battles and negative circumstances which God’s people must face, even as the unjust do. But they don’t come from God. God sends only good gifts [James 1:17]. So, when He sends the sun, it’s intended to bless everyone. When He sends the rain, it’s to do good, even to the unjust – always keep that in your thoughts. God wants us to bless others. When He blesses us, it’s not an individual blessing – rather, it’s for everyone who’s around us. He blesses with such abundance that we cannot help but share with others. His blessings are designed for their benefit as well as ours, for the goodness of God leads to repentance [Romans 2:4].
with Lyndia Grant
We are all called to partner with God when he bestows His blessings upon us. We are obligated to demonstrate our love, even to our enemies, to bless even those who curse us, to do good deeds by them, even to those who hate us. That’s what it means to be “grown up” in the Lord, and everyone will see the greatness of our Father – He blesses everyone! It will continue to rain on all of us; the sun will shine on all of us. And in the day of harvest, the Master will separate the just from the unjust. wi Lyndia Grant is a writer in the DMV, she hosts a radio talk show weekly; visit her website at www.lyndiagrant.com; email her at fanniestelle@ yahoo.com; or call 202-518-3192.
Listen to
“Praise In The City”
The New Public Affairs Talk Show Hosted by Praise 104.1’s Sheila Stewart Saturday 5:30am-6:30am on Praise 104.1 For more info visit www.praise1041.com
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Oct. 11, 2012 - Oct. 17, 2012
33
religion BAPTIST
african methodist episcopal
Historic St. Mary’s Episcopal Church Rev. James Manion Supply Priest Foggy Bottom • Founded in 1867 728 23rd Street, NW • Washington, DC 20037 Church office: 202-333-3985 • Fax : 202-338-4958 Worship Services 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.
Blessed Word of Life Church Dr. Dekontee L. & Dr. Ayele A. Johnson Pastors 4001 14th Street, NW Washington, DC 20011 (202) 265-6147 Office 1-800 576-1047 Voicemail/Fax Schedule of Services: Sunday School – 9:30 AM Sunday Morning Worship Service – 11:00 AM Communion Service – First Sunday Prayer Service/Bible Study – Tuesday, 6:30 PM www.blessedwordoflifechurch.org e-mail: church@blessedwordoflifechurch.org
Campbell AME Church Reverend Daryl K. Kearney, Pastor 2562 MLK Jr. Ave., S E Washington, DC 20020 Adm. Office 202-678-2263 Email:Campbell@mycame.org Sunday Worship Service 10: 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
Mt. Zion Baptist Church Rev. John W. Davis, Pastor 5101 14th Street, N.W. Washington, DC 20011 202-726-2220/ 202-726-9089 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 gsccm.administration@verizon.net
Pilgrim Baptist Church
700 I. Street, NE Washington, D.C. 20002 Pastor Louis B. Jones, II and Pilgrim invite you to join us during our July and August Summer schedule! Attire is Christian casual. Worship: Sundays@ 7:30 A.M. & 10:00 A.M. 3rd Sunday Holy Communion/ Baptism/Consecration Prayer & Praise: Wednesdays @12:00 Noon @ 6:30 P.M. – One Hour of Power! (202) 547-8849 www. pilgrimbaptistdc.org
Covenant Baptist United Church of Christ Drs. Dennis W. and Christine Y. Wiley, Pastors 3845 South Capitol Street Washington, DC 20032 (202) 562-5576 (Office) (202) 562-4219 (Fax) SERVICES AND TIMES: SUNDAYS: 8:00 AM and 10:45 AM Worship Services BIBLE STUDY: Wonderful Wednesdays in Worship and the Word Bible Study Wednesdays 12:00 Noon; 6:30 PM (dinner @ 5:30 PM) SUNDAY SCHOOL: 9:45 AM – Hour of Power “An inclusive ministry where all are welcomed and affirmed.” www.covenantbaptistdc.org
Morning Star Baptist Church Pastor Gerald L Martin Senior Minister 3204 Brothers Place S.E. Washington, D.C. 20032 202-373-5566 or 202-373-5567
Church of Living Waters
Rev. Paul Carrette Senior Pastor Harold Andrew, Assistant Pastor 4915 Wheeler Road Oxon Hill, MD 20745 301-894-6464 Schedule of Service Sunday Service: 8:30 AM & 11:00 AM Bible Study: Wednesday 7:30 PM Communion Service: First Sunday www.livingwatersmd.org
St. Stephen Baptist Church Lanier C. Twyman, Sr. State Overseer 5757 Temple Hill Road, Temple Hills, MD 20748 Office 301-899-8885 – fax 301-899-2555 Sunday Early Morning Worship - 7:45 a.m. Church School - 9:30 a.m. Sunday Morning Worship – 10:45 a.m. Tuesday – Thursday - Kingdom Building Bible Institute – 7:30 p.m. Wednesday – Prayer/Praise/Bible Study – 7:30 p.m. Baptism & Communion Service- 4th Sunday – 10:30am Radio Broadcast WYCB -1340 AM-Sunday -6:00pm T.V. Broadcast - Channel 190 – Sunday -4:00pm/Tuesday 7:00am
“We are one in the Spirit” www.ssbc5757.org e-mail: ssbc5757@verizon.net
Allen Chapel A.M.E. Church Rev. Dr. Michael E. Bell, Sr., • Pastor 2498 Alabama Ave., SE • Washington D.C. 20020 Office: (202) 889-7296 Fax: (202) 889-2198 • www.acamec.org 2008: The Year of New Beginnings “Expect the Extraordinary”
Crusader Baptist Church
Isle of Patmos Baptist Church Reverend Dr. Calvin L. Matthews • Senior Pastor 1200 Isle of Patmos Plaza, Northeast Washington, DC 20018 Office: (202) 529-6767 Fax: (202) 526-1661
Rev. Dr. Alton W. Jordan, Pastor 800 I Street, NE Washington, DC 20002 202-548-0707 Fax No. 202-548-0703
Sunday Worship Services: 8:00a.m. and 11:00a.m. Sunday Church School - 9:15a.m. & Sunday Adult Forum Bible Study - 10:30a.m. 2nd & 4th Monday Women’s Bible Study - 6:30p.m. Tuesday Jr./Sr. Bible Study - 10:00a.m. Tuesday Topical Bible Study - 6:30p.m. Tuesday New Beginnings Bible Study - 6:30p.m. Wednesday Pastoral Bible Study - 6:30p.m. Wednesday Children’s Bible Study - 6:30p.m. Thursday Men’s Bible Study - 6:30p.m. Friday before 1st Sunday Praise & Worship Service - 6:30p.m. Saturday Adult Bible Study - 10:00a.m.
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 E-mail: Crusadersbaptistchurch@verizon.net www.CrusadersBaptistChurch.org
“The Amazing, Awesome, Audacious Allen Chapel A.M.E. Church”
“God is Love”
Third Street Church of God Rev. Cheryl J. Sanders, Th.D. Senior Pastor 1204 Third Street, NW Washington, DC 20001 202.347.5889 office 202.638.1803 fax Sunday School: 9:30 a.m. Sunday Worship: 11:00 a.m. Prayer Meeting and Bible Study: Wed. 7:30 p.m. “Ambassadors for Christ to the Nation’s Capital” www.thirdstreet.org
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
Greater Mt. Calvary Holy Church Bishop Alfred A. Owens, Jr.; Senior Bishop & Evangelist Susie C. Owens – Co-Pastor 610 Rhode Island Avenue, NE Washington, DC 20002 (202) 529-4547 office • (202) 529-4495 fax Sunday Worship Service: 8 AM and 10:45 AM Sunday Youth Worship Services: 1st & 4th 10:45 AM; 804 R.I. Ave., NE 5th 8 AM & 10:45 AM; Main Church Prayer Services Tuesday – Noon, Wednesday 6 AM & 6:30 PM Calvary Bible Institute: Year-Round Contact Church Communion Every 3rd Sunday The Church in The Hood that will do you Good! www.gmchc.org emailus@gmchc.org
ST Marks Baptist Come Worship with us... St. Mark's Baptist Church 624 Underwood Street, NW Washington, dc 20011 Dr. Raymond T. Matthews, Pastor and First Lady Marcia Matthews Sunday School 9:am Worship Service 10:am Wed. Noon Day prayer service Thur. Prayer service 6:45 pm Thur. Bible Study 7:15 pm
We are proud to provide the trophies for the Washington Informer Spelling Bee
Service & Time Sunday Worship 7:45A.M & 11A.M Communion Service 2nd Sunday 11A.M Prayer Service Tuesday 7:00 P.M Bible Study Tuesday 8:00 P.M Sunday Church School 10:00 A.M Sunday “A church reaching and winning our community for Christ” morningstarbaptistchurch@verizon.net www.morningstarchurch-dc.org
Mount Carmel Baptist Church
52 Years of Expert Engraving Services
Joseph N. Evans, Ph.D Senior Pastor 901 Third Street N.W. Washington, DC. 20001 Phone (202) 842-3411 Fax (202) 682-9423 Sunday Church School : 9: 30am Sunday Morning Worship: 10: 45am Bible Study Tuesday: 6: 00pm Prayer Service Tuesday: 7:00pm Holy Communion: 3rd Sunday 10: 45am themcbc.org
34 Oct. 11, 2012 - Oct. 17, 2012
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religion Baptist
All Nations Baptist Church
Friendship Baptist Church 900 Delaware Avenue, SW Washington, DC 20020 (202) 488-7417 (202) 484-2242 Rev. Dr. J. Michael Little Pastor Sunrise Prayer: 6:00 AM Sunday School: 9:30 AM Morning Worship 11:00 AM Holy Communion: 3rd Sunday-11:00AM www.friendshipbaptistdc.org Email: frienshipde1900@verizon.net
Rev. Dr. James Coleman Pastor 2001 North Capitol St, N.E. • Washington, DC 20002 Phone (202) 832-9591
Website: www.allnationsbaptistchurch.com All Nations Baptist Church – A Church of Standards
“Where Jesus is the King”
Israel Baptist Church Rev. Dr. Morris L Shearin, Sr. Pastor
4850 Blagdon Ave, NW • Washington D.C 20011 Phone (202) 722-4940 • Fax (202) 291-3773
1251 Saratoga Ave., NE Washington, DC 20018 (202) 269-0288 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.
Mount Moriah Baptist Church
St. Luke Baptist Church
1415 Gallatin Street, NW Washington, DC 20011-3851 P: (202) 726-5940 Sunday Worship: 11:00 a.m. Sunday School: 9:15 a.m. Holy Communion: 11:00 a.m., 3rd Sun. Bible Study: Monday - 7:00 p.m. Prayer Meeting: Thursday - 7:00 p.m.
Dr. Lucius M. Dalton, Senior Pastor 1636 East Capitol Street, NE Washington, DC 20003 Telephone: 202-544-5588 Fax: 202-544-2964 Sunday Worship Services: 7:45 am and 10:45 am Holy Communion: 1st Sundays at 7:45 am and 10:45 am Sunday School: 9:30 am Prayer & Praise Service: Tuesdays at 12 noon and 6:30 pm Bible Study: Tuesdays at 1 pm and 7 pm Youth Bible Study: Fridays at 7 pm Web: www.mountmoriahchurch.org Email: mtmoriah@mountmoriahchurch.org
Rehoboth Baptist Church
St. Matthews Baptist Church Rev. Dr. Maxwell M. Washington Pastor 1105 New Jersey Ave, S.E • Washington, DC 20003 202 488-7298 Order of Services Sunday Worship Services: 9:05 A.M. Sunday School: 8:00 A.M. Holy Communion 3rd Sunday Morning Prayer Meeting: 7:00 P.M. (Tuesday) Bible Study: 7:30 P.M. (Tuesday) Theme: “Striving to be more like Jesus “Stewardship”. Philippians 3:12-14; Malachi 3:8-10 and 2 Corinthians 9:7 Email: stmatthewbaptist@msn.com Website: www.stmatthewsbaptist.com
2324 Ontario Road, NW Washington, DC 20009 (202) 232-1730 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
Rev. Keith W. Byrd, Sr. Pastor
Rev. Aubrey C. Lewis Pastor
Rev. Daryl F. Bell Pastor
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
Zion Baptist Church
Sunday Worship Service 10:15AM- Praise and Worship Services 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
King Emmanuel Baptist Church
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Emmanuel Baptist Church Rev. Dr. Clinton W. Austin Pastor 2409 Ainger Pl.,SE – WDC 20020 (202) 678-0884 – Office (202) 678-0885 – Fax “Come Grow With Us and Establish a Blessed Family” 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
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services here
services here
call Ron Burke at
call Ron Burke at
202-561-4100 or email
202-561-4100 or email
rburke@washingtoninformer.com
rburke@washingtoninformer.com
Mount Pleasant Baptist Church
New Commandment Baptist Church
Rev. Terry D. Streeter Pastor
Rev. Stephen E. Tucker Pastor and Overseer
215 Rhode Island Ave. N.W. • WD.C. 20001 (202) 332-5748
625 Park Rd, NW • WDC 20010 P: 202 291-5711 • F: 202 291-5666
Early Morning Worship: 7:45 a.m. Sunday School: 9:15 a.m. Morning Worship: 10:45 a.m. Holy Communion: 4th Sunday 7:45 a.m. & 10:45 a.m. C.T.U. Sunday: 2:45 p.m. Bible Study: Wednesday 11:00 a.m. & 7:00 p.m. Prayer Service: Wednesday 8:00 p.m. Noon Day Prayer Service: Mondays 12 p.m.
Sunday Worship Service - 11 am Sunday School - 9:45 am Bible Study & Prayer Wed. - 7 pm Substance Abuse Counseling 7 pm (Mon & Fri) Jobs Partnership - 7 pm (Mon & Wed) Sat. Enrichment Experience - 9:30 am
Salem Baptist Church
“A Church Where Love Is Essential and Praise is Intentional”
Shiloh Baptist Church
Rev. R. Vincent Palmer Pastor
Rev. Alonzo Hart Pastor
Rev. Dr. Wallace Charles Smith Pastor
621 Alabama Avenue, 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
The Church Where GOD Is Working.... And We Are Working With GOD
Sunrise Prayer Services - Sunday 7:00 a.m.
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.
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.
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
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Florida Avenue Baptist Church
Holy Trinity United Baptist Church
Dr. Earl D. Trent Senior Pastor
Rev. Dr. George C. Gilbert SR. Pastor
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
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
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
Matthews Memorial Baptist Church
Mt. Bethel Baptist Church Rev. Dr. Bobby L. Livingston, Sr. Pastor
Dr. C. Matthew Hudson, Jr, Pastor
75 Rhode Island Ave. NW • Washington, DC 20001 (202) 667-4448
2616 MLK Ave., SE • Washington, DC 20020 Office 202-889-3709 • Fax 202-678-3304 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
Rev. Dr. Michael T. Bell 712 18th Street, NE Washington, DC 20002 Phone 202-399-3450/ Fax 202-398-8836 Sunday Morning Worship Service 7:15 am & 10:50 am Sunday School 9:30am Sunday Morning Worship Service 10:50am Wednesday Prayer & Testimonies Service 7:30pm Wednesday School of the Bible 8:00pm Wednesday - Midweek Prayer Service 12:00 pm - 1:00 pm “The Loving Church of the living lord “ Email Address pbcexec@verizon.net
First Rising Mt. Zion Baptist Church 602 N Street NW • Washington, D.C. 20001 Office:(202) 289-4480 Fax: (202) 289-4595 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 “Changing Lives On Purpose “ Email: Froffice@firstrising.org Website: www.firstrising.org
Sunrise Prayer Service 6:00 A.M. Sunday Church School 8:30 A.M. Pre-Worship Devotionals 9:45 A.M. Morning Worship Services 10:00 A.M. Holy Communion 1st Sunday Worship Services Bible Study Tuesdays, 6:00 P.M. Thursdays, 1:00 P.M. Prayer Meetings Tuesdays, 7:00 P.M. Thursdays, 12:00 P.M.
Pennsylvania Ave. Baptist Church Rev. Dr. Kendrick E. Curry Pastor 3000 Pennsylvania Ave.. S.E Washington, DC 20020 202 581-1500 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
Mt. Horeb Baptist Church Rev. Dr. H. B. Sampson, III Pastor 2914 Bladensburg Road, NE Wash., DC 20018 Office: (202) 529-3180 Fax: (202) 529-7738 Order of Services 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 Email:mthoreb@mthoreb.org Website:www.mthoreb.org For further information, please contact me at (202) 529-3180.
Oct. 11, 2012 - Oct. 17, 2012
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Memory Pill Does for the Brain What Prescription Glasses Do for the Eyes, Claims US Surgeon General Candidate Remarkable changes observed, helps restore up to 15 years of lost memory power in as little as 30 days! SPOKANE, WASHINGTON – Help is on the way for those who routinely lose their car keys, forget to call people back, or misplace their TV remote control. Just like a good pair of glasses can make blurry vision, sharp and crystal-clear, there’s a new, doctor-recommended memory pill that can do the same thing for your brain, sharpening your memory and mental powers, and making that slow-thinking, sluggish brain as sharp as a tack.
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36 Oct. 11, 2012 - Oct. 17, 2012
near fantastic,” says Steiner. Curiosity piqued, Dr. Steiner did his own research to learn more about the formula He read about a US cognitive researcher who had taken a new approach to treating memory loss, addressing the “energy crisis” that occurs naturally in human brains around the age of 40-50. Author, researcher, preeminent brain expert, and lead formulator for Procera AVH, Joshua Reynolds, explains, “One-third of your brainpower may be lost by the age of 40, and 50 percent may be lost by the age of 50!” Half-Blind... and Can’t See It “If you were to lose half your vision, essentially go halfblind, you would surely notice it,” says Reynolds. “But the gradual loss of mental acuity and brainpower over many years may be too Days before subtle for peoseeing a ple to notice.” neurologist This exfor her “alarming rate” of plains why memory loss, many Procera 54-year-old AVH users Elizabeth K., Rochester, New s e e m s u r York, discovered prised at the a natural effects. memory pill Mark S. in that changed Alego, Texas, her life. was worried about being at his best during sales calls. “I really needed something to help with mental clarity, focus and memory. I have to be at my best when I meet with clients.” Shortly after he started taking Procera AVH, Mark was amazed at how sharp and mentally focused he was during his appointments.
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“It was definitely a noticeable difference. I was very pleased with Procera AVH and happy to know it will help me stay at my best.” Neural Pathways, Energized! Three clinically validated brain energy nutrients in Reynolds’ formula have been shown to “light up aging brains like a Christmas tree.”
Age-related vision loss is easily corrected with glasses. A novel drug-free compound has been found to help restore age-related memory loss and poor mental focus in as little as 30 days. Procera revitalizes tired sluggish brains cells with a fresh supply of oxygen and key vital nutrients. Plus, it helps restore depleted neurotransmitters, which increase and enhance alertness, concentration, and memory. “We included acetyl-lcarnitine, a natural modified amino acid with a proven record of memory enhancement,” says Reynolds. “It’s the same brain nutrient found in cold-water fish, but you’d have to eat over 20 servings of fish to get what’s in one daily dose of Procera AVH.” The formula also contains vinpocetine, a substance that helps deliver increased oxygen and glucose to your brain. “Vinpocetine helps increase circulation in the brain, so your brain feels more alive, like a breath of fresh air,” says Reynolds. The third ingredient is huperzine, a potent plant chemical shown to improve learning and memory at all ages. “Students can do better in school when they take it,” adds
Reynolds. “And the US government has been studying huperzine’s neuroprotective powers against the brain-damaging effects of pesticides in food.” Selwyn Howell credits Reynolds’ memory pill with bolstering his confidence. “It helped me speak out more than I used to. I am growing more confident every day.” Carey S. reports, “I feel so much more focused and with the new energy I’m now ready to tackle the things I’ve been putting off for years!” Get a FREE Bonus Bottle And a FREE Book, Too! Try Procera AVH Risk-Free today and receive a Free Bonus Bottle along with a free copy of medically acclaimed, 20/20 Brainpower: 20 Days to A Quicker, Calmer, Sharper Mind!, a $20 value. Procera AVH is the leading US brain health supplement. It is clinically shown to quickly help improve memor y, focus, concentration and mental energy! And it comes with a 90-day satisfaction guarantee so you can experience the long-term results risk-free, too! Free Rapid Detox Formula for First 500 Callers! Reynolds is also including, with the first 500 orders, a FREE supply of his powerful brain detox formula, Ceraplex, scientifically designed to help flush away environmental toxins from the brain to help enhance memory and focus even further. This is a special introductory offer and supplies are limited, so call now.
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This product is not intended to diagnose, treat, cure or prevent any disease. These statements have not been evaluated by the FDA. UCLA is not involved in the product described in this material. The reference to Dr. Heller should not be construed as an endorsement by UCLA.
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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. 2012 ADM 932
Administration No. 2012 ADM 928
Geraldine G. Lewis Decedent James Larry Frazier, Esq. 918 Maryland Avenue, NE Washington, DC 20002 Attorney NOTICE OF APPOINTMENT, NOTICE TO CREDITORS AND NOTICE TO UNKNOWN HEIRS Sunday Glover-Cox, whose address is 4514 Alabama Avenue, SE, Washington, DC 20020, was appointed personal representative of the estate of Geraldine G. Lewis, who died on January 13, 2012 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. Third Floor Washington, D.C. 20001, on or before April 11, 2013. 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 11, 2013, 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 11, 2012
Gwendolyn H. Hammond aka Gwendolyn Hart Hammond Decedent NOTICE OF APPOINTMENT, NOTICE TO CREDITORS AND NOTICE TO UNKNOWN HEIRS Peggy Hammond, whose address is 808 Quackenbos Street, NW, Washington, DC 20011, was appointed personal representative of the estate of Gwendolyn H. Hammond aka Gwendolyn Hart Hammond, who died on March 29, 2010 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. Third Floor Washington, D.C. 20001, on or before April 4, 2013. 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 4, 2013, 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 4, 2012
Sunday Glover-Cox Personal Representative
Peggy Hammond Personal Representative
TRUE TEST COPY
TRUE TEST COPY
Anne Meister Register of Wills Washington Informer
Anne Meister Register of Wills Washington Informer
SUPERIOR COURT OF THE DISTRICT OF COLUMBIA Probate Division Washington, D.C. 20001-2131
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Administration No. 2012 ADM 890
CREDIT RESTORATION & DEBT ELIMINATION Restore your credit and change your life!!! Derrick Jason Smith (301) 383-1333 - Office (301) 744 - 7472 Direct derricksmith@remax.net www.vrtmg.com/kocredit
Margaret Louise Thompson Decedent Mary Rose E. Cook, Esq. 233 East Redwood Street Baltimore, MD 21202 Attorney NOTICE OF APPOINTMENT, NOTICE TO CREDITORS AND NOTICE TO UNKNOWN HEIRS James E. Thompson and Stephen M. Thompson, whose addresses are 2614 Kingsley Ln., Bowie, MD 20715 and 711 Timber Tree Pl., Crownsville, MD 21032, were appointed personal representatives of the estate of Margaret Louise Thompson, who died on July 8, 2012 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. Third Floor Washington, D.C. 20001, on or before March 27, 2013. 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 27, 2013, 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 27, 2012 James E. Thompson Stephen M. Thompson Personal Representative TRUE TEST COPY Anne Meister Register of Wills Washington Informer
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his 2008 presidential campaign when a woman, Gayle Quinnell, crossed the line. During the Q & A session at a McCain rally in Minnesota, Quinnell accused Obama of being an “Arab.” McCain quickly snatched the microphone away from her and said, “No ma’am.” ”[Obama’s] a decent family man, citizen, that I just happen to have disagreements with on fundamental issues.” McCain was roundly applauded for taking this principled stand. Will Romney do the same? I strongly doubt it. Romney doesn’t have the spine
Jackson continued from Page 24 nore his ignorance and hatred. However, because he is functioning as one of Romney’s national co-chairmen, I hold him to a higher standard and level of scrutiny. And Romney should, too. Therefore, Romney should demand that Sununu to step down from any involvement in his campaign. If Romney has any modicum of decency and principles, this should be nonnegotiable. To his credit, even John McCain took a principled stand in
to take such a principled stand. I challenge all Republicans to denounce Sununu and demand his immediate removal from any involvement in not only the Romney campaign, but any other Republican activities. Sununu’s rhetoric is not what the Republican Party should be about and if my party cannot or will not take a principled stand, then I cannot and will not support our nominee for president.wi Raynard Jackson is president & CEO of Raynard Jackson & Associates, LLC., a D.C.-public relations/ government affairs firm. His website is: www.raynardjackson.com
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Malveaux continued from Page 24 to push Romney on specifics to some of the plans he said he had. There were no specifics, just the frequent exhortation that “I have a plan to deal with that.” What plan? Voters can’t judge unless we know, but Romney behaves like a student who hasn’t started on a term paper and fumbles about its contents when asked. Too often, Romney ignored the president’s questions about specifics, trading bluster for facts and getting away with it. Jim Lehrer totally lost control of the debate, failing to push either participant on specifics. He was not even effective as a timekeeper, letting both debate participants run over their allotted time, although he decreed time lines.
President Obama really needs to toot his own horn. When Romney says, “You have been president for four years,” our president needs to respond with his list of accomplishments, many of which blunted the effects of the Great Recession inherited from George Bush. The intervention in the auto industry that Romney opposed has made a real difference is states such as Ohio and Michigan The question about who won the debates turns out to be a question of policy versus performance. Too many pundits talked about Mitt Romney’s “performance” indicating that he performed well. The United States in not a stage looking for a leading actor, it’s a nation, looking for a leader who can make a difference. We are not looking for a contender who thinks that bluster means leadership. We are looking for a
leader to finish the work he started. Those who were mesmerized by the body snatcher’s version of Mitt Romney fail to understand that a listless Obama is 10 times better than an arrogant and overbearing Romney. It’s not over ‘til it’s over. There are two more debates, and many of the undecided will be swayed by these debates. Others will make their minds up as they walk into the voting booth. In the next debate, President Obama must be a stronger advocate of the policies he has embraced, and we who watch must not be fooled by a glitzy performance that is devoid of both truth and substance.wi Julianne Malveaux is a Washington, D.C.-based economist and writer. She is President Emerita of Bennett College for Women in Greensboro, N.C.
marketplace and take a permanent seat at the table of commerce. If we continue to get “fired up and ready to go” around politics and fail to bring that same level of engagement to the economic fight, we will forever be relegated to the bottom rungs of this society, and politicians will only call upon us when it’s time to cast our votes. We really need to change our thinking and our actions and get back to the same economic principles implemented by our enslaved ancestors. In this era of political infatuation, vicarious living, escape TV, and nonsensical diversions from reality, Black people are in special need of proper priorities. Yes, we have done well in some circles; just take a look at the current issue of Black Enterprise magazine. Yes, we have made significant strides in the corporate and entrepreneurial worlds, but we have a long way to go, a long way to even get back to what our people did in the 1700s, 1800s, and early 1900s. We have grown more depen-
dent than independent; we have allowed our emotions to control us, thereby, allowing others to control our thinking, our actions, and our priorities. We have rejected the words of Marcus Garvey, and we have failed to heed the following words of Booker T. Washington: “There are reports that in some sections the Black man has difficulty in voting and having counted the little white ballot he has the privilege of depositing twice a year. But there is a little green ballot he can vote through the teller’s window 313 days each year and no one will throw it out or refuse to count it.” Enough said. wi Jim Clingman, founder of the Greater Cincinnati African American Chamber of Commerce, is the nation’s most prolific writer on economic empowerment for Black people. He is an adjunct professor at the University of Cincinnati and can be reached through his Web site, blackonomics.com.
Clingman continued from Page 24
What have we become and what will become of us? It’s simply a matter of priorities, folks. It’s a matter of keeping the main thing the main thing, as our relatives did way back when. The main thing in this nation is economics; in second place is politics, and everything falls in line after those two. Chew on this: “Although poverty conditions for Black America have improved, the rates are still staggering when compared to that of all Americans.” (Black Demographics.com) As we move closer to the election, I see excitement, commitment, and boundless energy, especially among Black people, to get out the vote, which is commendable. However, that same energy is missing when it comes to economic initiatives. If Black people would muster the same enthusiastic activism when it comes to empowering ourselves economically, we could carve out a niche in the
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EDELMAN continued from Page 25
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I’ll just let you.’ And so, you know, part of our work – and this is what we did with the farm workers – you have to go out there, and you have to really convince people that their vote matters.” As she was closing Dolores Huerta shared a Zulu word with the audience – wozani. That’s a call for people to come together in unity. Huerta reminded us that it’s time for all of us committed to pursuing justice for children and the poor to work together in unity and use our power and our votes. If you share, as I do, Mahatma Gandhi’s belief that “there are enough resources in the world for everyone’s need, but not for everyone’s greed,” and if you believe that preventable child poverty, homelessness, hunger, and illit-
eracy are a moral abomination in our nation with a Gross Domestic Product exceeding $15 trillion and when 400 of our wealthiest Americans made more income in 2008 than the combined revenues of 22 states, then get out to vote and make sure everyone you know does. Our democracy and our children’s futures depend on each of us.wi Marian Wright Edelman is president of the Children’s Defense Fund whose Leave No Child Behind® mission is to ensure every child a Healthy Start, a Head Start, a Fair Start, a Safe Start and a Moral Start in life and successful passage to adulthood with the help of caring families and communities. For more information go to www.childrensdefense.org.
“The one exception to this would be the Commissioner of the BLS. The president appoints a BLS commissioner, but for most of this administration it’s been a Republican [my emphasis]. When his term ran out, Congress refused to confirm Obama’s appointee. So the current commissioner is, in fact, a career guy from within BLS, and if you know the institution at all, the BLS is an institution of nerds, by nerds. “So you could even argue that Republicans have protected the BLS from political influence by refusing to confirm an Obama appointee?” Joe Nocera, a New York Times business columnist, observed: “It is completely implausible to me that they would actively rig the thing to help Obama. The guys are green eyeshaded career bureaucrats who
have no particular vested interest one way or another in who wins the presidential election. “[The numbers] come out of the Bureau of Labor Statistics, if you are going to cook them, how exactly would you go about it, it is pretty implausible that the career bureaucrats at the Bureau would cook the books for Obama. Everybody likes a conspiracy theory, but it is hard to understand how they would do it.” There’s a reason fewer people are seeking jobs under Obama – and it’s not because of a conspiracy. But conspiracy buffs don’t let facts get in the way of a good conspiracy theory. Former General Electric CEO Jack Welch, a Republican, has joined the conspiracy camp. After the latest job report, he tweeted, “Unbelievable jobs numbers…these Chicago guys will do anything…can’t debate
so change numbers.” Under attack for his unsubstantiated assertion, Welch tried to defend his comment by saying he should have used a question mark rather than a comma at the end of his sentence, as if that would have made a difference. If there were a conspiracy, it failed. The Bureau of Labor Statistics reported that they had understated official U.S. employment over the previous two months. If they were plotting to help President Obama, they did a poor job.wi George E. Curry, former editor-inchief of Emerge magazine, is editorin-chief of the National Newspaper Publishers Association News Service (NNPA) and editorial director of Heart & Soul magazine. He is a keynote speaker, moderator, and media coach. Curry can be reached through his Web site, www.georgecurry.com. You can also follow him at www.twitter.com/currygeorge.
University told me. “This was, by many accounts, gonna be Romney’s last stand, his opportunity to re-re-re-start his campaign, and unfortunately the president allowed him to do it.” “Romney did bring his ‘Agame,’ for as good as Romney’s game could be. The president allowed Romney to lie repeatedly, [and] did not forcefully challenge a lot of the assertions that Romney was making that have repeatedly been proven to be false,” Dr. Leon said. Some said that Obama was intentionally deferential to Romney out of concern that he might otherwise come off as an “angry black man.” “Within a certain segment of the U.S. population, there were those who were willing, and
were hungry, for this idea that Mr. Obama would be put in his place, and of course I’m choosing my words carefully, because I do think there was a kind of antebellum overtone to that kind of notion,” Dr. Horne said of the debate. “Obama always has to walk a tightrope. If you look at recent history, you may recall that one of his calling cards as he was being catapulted into prominence as a national figure, was that he was a Black man who was slow to anger, who was not aggressive in the way that Black men are perceived to be aggressive, and that he has created this persona of likeability which in the end I think, will serve him well.” “So, I would imagine that Mr. Obama’s handlers are quite sen-
sitive to this perception of being overly aggressive against Mr. Romney’s charges, but I would imagine that in this second and third debate that Mr. Obama is going to re-calibrate because the publicity has been so negative with regard to his performance … that it’s going to force a change in how he approaches these upcoming debates, and he’s going to probably risk his likeability quotient in order to challenge Mr. Romney’s evasions and misstatements and prevarications,” Dr. Horne said. That would be “Rope-aDope” parts two and three … maybe. wi
there and doing the civic work, registering people to vote, going door by door, convincing them you’ve got to vote [or] nothing is going to change. It’s like we’re in a war. We’ve got a war against immigrants. We’ve got a war against women. We’ve got a war against people of color, right? You know, a war against our LGBT community, against unions, and the only weapon that we have as insurance is our vote. And so if we don’t vote, it’s like we’re saying, ‘Okay, you won. I’m not going to fight. You can go ahead and put our kids in jails. You can cut our education. You can cut our health services, and
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Check Enclosed Visa/MasterCard Credit card number.......................................................................... Signature........................................................................................ WEEK OF October 8, 2012 Prince George’s County, Maryland Is Committed To Delivering Excellence In Government Services To Its Citizens. The County Is Seeking Bids Or Proposals From Businesses Who Share In A “Total Quality” Commitment In The Provision Of Services To Their Customers. Sealed Bids And/Or Proposals Will Be Received In The Prince George’s County Office Of Central Services Until The Date And Local Time Indicated For The Following Solicitations. BID/ BID OPENING/CLOSING PLAN/SPEC. PROPOSAL # DESCRIPTION DATE & TIME DEPOSIT/COST
S11-016 Elevator Maintenance & Repairs
Pre-bid conference: 10/16/2012 @ 10:00 am $ 5.50 Opening: 11/6/2012 @ 3:00 pm S12-129 Vehicle Maintenance & Service Shop Pre-bid conference: 10/25/2012@ 10:00 a.m. $5.50 Opening: 11/9/2012@2:00 p.m. Equipment Maintenance and
Replacement OEM Parts
PRINCE GEORGE’S COUNTY SUPPORTS MINORITY BUSINESS PARTICIPATION Solicitations identified with an asterisk (*) are reserved for Minority vendors, certified by Prince George’s County, under authority of CB-1-1992. Double asterisk (**) solicitations contain a provision for subcontracting with Minority vendors certified by Prince George’s County. The County reserves the right to reject any or all bids or proposals in the best interest of the County. Bidding documents containing instructions to bidders and specifications (excluding construction documents) may be reviewed and/or downloaded through the County’s website www.goprincegeorgescounty.com. Documents may also be obtained from the Prince George’s County Office of Central Services, Contract Administration and Procurement Division, 1400 McCormick Drive, Room 200, Largo, Maryland 20774, (301) 883-6400 or TDD (301) 925-5167 upon payment of a non-refundable fee, by Check or Money Order only, made payable to Prince George’s County Government. Special ADA accommodations may be made by writing or calling the same office. For information on the latest bid/proposal solicitations call the Bid Hotline (301) 883-6128.
- BY AUTHORITY OF – Rushern L. Baker, III County Executive
Muhammad continued from Page 25 disappointment that he never mentioned several of the Republican’s glaring weaknesses, including his record at the private equity firm Bain Capital, his vast personal wealth and offshore investments, and most especially his remark that 47 percent of Americans are
government dependents who support the president’s welfarestate-like policies and who are unwilling to even attempt to take “personal responsibility” for their own lives. “The president missed an incredible opportunity to ‘close the deal’ as far as the American voters are concerned,” Dr. Wilmer Leon, assistant professor of political science at Howard
42 Oct. 11, 2012 - Oct. 17, 2012
Curry continued from Page 25
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Because every member of the family deserves to be safe. It’s hard to imagine anything more crucial than keeping our children safe. So when trauma specialists at Cincinnati Children’s Hospital Medical Center discovered that African American children are less likely to be buckled up in seat belts or in car seats – making motor vehicle crashes the leading cause of injury-related death for African American children under the age of 14 – we knew we had to take action. We worked diligently with the hospital to create Buckle Up for Life, a community program aimed at reducing this disparity by teaching parents and children the proper use of seat belts and car seats. Now in its eighth year, the program continues to expand and serve the African American community across the U.S. Because everyone, everywhere deserves to be safe. For more about buckling up safely, go to ToyotaInAction.com/buckleupforlife
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