Afro e-Edition 04-21-2023

AFRO Black Business Matters Expo: support for Black businesses key in building generational wealth

By Megan Sayles AFRO Business Writer msayles@afro.com

The AFRO is set to host its third annual Black Business Matters Expo on April 27. The virtual event is free and will run under the theme: “The Great Divide: Work, Wages and Wealth.”

“The more we can articulate the importance of Black businesses, the better our community is going to be,” said Broderick Young, co-founder of Reveal Wealth and guest speaker for the Expo.

“If you drop by my session, you’ll hear me talk about the most important Black business of all Black businesses out there– and that’s the business of you. You are the CEO of you and the chairperson of your life whether you like it or not.”

Young co-founded Reveal Wealth in Columbia, Md. with Al Johnson in 2020. The pair have more than 30 years of experience in the financial services and insurance industry between the two of them.

Reveal Wealth was established because Young and Johnson felt that Black families were being overcharged and underserved when it came to wealth management services.

Young said it was important for budding entrepreneurs to understand that it takes time to grow a business. They can’t expect to find success in the short-term.

He also said it’s important for entrepreneurs to be familiar with the business cycle, or fluctuations in economic activity. The knowledge will allow them to set money aside as reserves during economic upswings, so that they can avoid serious financial distress during economic downswings.

“Business owners and entrepreneurs have to ensure that they are sewing back into the business to grow and build capital today, but they also have to diversify to ensure that they have some assets that aren’t correlated to their core business. [Then,] if the core business slows up, they have a place to go to get it back on track,” said Young.

For Young, supporting Black businesses is key to significantly increasing Black employment because Black businesses, more times than not, hire Black people.

In addition to hearing from elected officials, like Baltimore Mayor Brandon Scott and Maryland Comptroller Brooke Lierman, attendees will have the opportunity to learn from a myriad of Black business leaders, wealth consultants and executive coaches.

The speakers will share their journeys, from triumphs to pitfalls, and provide guidance for strengthening a business and overcoming barriers to growth.

“We are an ‘and’ organization not an ‘or’ organization. We found that often people come into our communities and say you need to do this or that, but wealthy people do this and that,” said Young.

“They have real estate, they own a business, they have investments and they might even have a W-2 income within the house. It’s not either or.”

Aside from working with families, Reveal Wealth also consults with entrepreneurs, helping them design a business plan, create marketing campaigns, improve cash flow and devise succession plans.

He said African Americans were brought to this country to make other groups rich, so it’s critical for them to shop intentionally and patronize Black businesses for the products and services they need. By supporting Black businesses, African Americans can feel confident that their money will be used to pour back into the larger Black community.

“If we’re going to create generational wealth, we have to support our Black business owners because they are the economic engines that are going to be able to provide better wages, help communities that have needs, put money back into our schools and talk to our kids about business,” said Young.

“...we have to support our Black business owners because they are the economic engines that are going to be able to provide better wages, help communities that have needs, put money back into our schools and talk to our kids about business.”

Megan Sayles is a Report for America Corps Member

From the AFRO publisher’s desk: financial training can’t start too early

By Frances “Toni” Draper AFRO Publisher and CEO

It was a colorful 3x5 card (more like a booklet) with patriotic symbols and slogans about money. Every day, I put a dime in one of its tiny slots. If I recall correctly, the card held about five dollars worth of dimes that I could exchange for U.S. Savings Bonds.

U.S. Savings Bonds were sold in schools as part of a program called the “Savings Bonds in Education Program.” The program began in 1956 and continued through the 1970s. It was designed to encourage students to save money and to learn about finance, while supporting the government. Under the program, bonds could be purchased for as little as $1.

This was a big deal for me and my classmates at Gwynns Falls Elementary School– and for students throughout Baltimore. It was also, for many of us, our first real introduction to savings—piggy banks excluded. Through savings bonds, we learned that if we held on to our bonds for a specified length of time, they would be worth more upon redemption. However, the interest rate was so low it took a long time to get to face value!

This was my first introduction to finance and savings. A few years later, I got another lesson in finance from my mother who was a single parent to three school-aged children. I was the oldest. One day, my mother called all three of us into a family meeting and said “I’m working two jobs and in graduate school, and I need some help. So, from now on, your sister Toni will be handling the family checkbook, and paying the bills for the household.”

What? I’m 16. What do I know about checkbooks and bills?! Isn’t it enough that I have two younger siblings to watch? Well, anyone who knew my mother, knows that didn’t deter her. Not one bit.

A couple of weeks later, she took me to the bank and added my name to her checking account. Then she sat me down at the dining room table, gave me a list of bills and said, “Just make sure we have food, that the mortgage is paid, and that the lights stay on.”

Surely, she’s kidding, I thought to myself.

I didn’t even like math (or so I thought), much less budgets and bills. Thank God, she coached me along the way and eventually I learned how to handle the family finances. And, yes, we ate every day and the lights stayed on.

The point of sharing this story is not to highlight my mom or me, but to highlight the importance of teaching financial lessons to our children at an early age – the earlier the better. Many times, however, that’s not what’s happening in the Black community for a variety of reasons. So, I decided to go the Artificial Intelligence (chat.openai.com) route to see what “they” had to say in response to my query, “Why is it that many Black Americans do not know about finance and investing.”

Below is the AI-generated response: “There are a number of factors that contribute to the financial literacy gap among Black Americans. Some of these factors include:

1. Historical and ongoing discrimination: Black Americans have faced discrimination in many areas of life, including education, employment and housing, which has limited their access to financial resources and opportunities.

By Cy Richardson and Ayanna Fortson National Urban League

Even though African Americans make a significant economic contribution in the United States, their financial wellness lags behind that of the rest of the country.

Numerous economic indicators highlight this disparity, such as median household income, net worth, and the likelihood of carrying student-loan debt.

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The reasons behind these financial wellness gaps are complex; accordingly, a report conducted by the TIAA Institute, highlights new insights from the TIAA InstituteGFLEC Personal Finance Index (P-Fin Index).

The P-Fin Index measures eight key areas of personal finance knowledge: earning, consuming, saving, investing, borrowing and managing debt, insuring, comprehending risk and uncertainty, and go-to information sources.

According to the report, AfricanAmerican adults answered 38 percent of the P-Fin Index questions correctly, compared to 55 percent of White adults. African Americans scored highest in the areas of borrowing and debt management but scored lowest on questions relating to insuring. African Americans scored comparatively low on questions related to comprehending risk, investing, and identifying go-to information sources. The report states that low levels of financial literacy in insuring and comprehending risk are especially troubling.

“Risk and uncertainty are inherent in financial decision-making, and individuals face a range of choices regarding events to insure and how to structure their coverage,” the report states. “Poor insurance decisions can leave an individual under-insured for some risks and over-insured for others, as well as overpaying for coverage.”

There are demographic differences in financial knowledge among African Americans. For example, financial literacy is greater for those with more formal education, those who received financial education, and those with higher incomes. Men and older individuals also tend to have greater financial literacy than women and younger adults. The gap in financial knowledge between African Americans and Whites can be partially attributed to underlying demographic differences between the two groups. However, the differences cannot account for the entire gap as financial literacy is still lower for African Americans compared to Whites in each demographic subgroup reported in this study.

The connection between financial literacy and financial wellness is welldocumented, and this is true among African Americans as well. For example,

2 Lack of access to financial education: Many schools do not offer comprehensive financial education, and Black Americans may not have access to financial literacy resources outside of school. Additionally, financial information is often written in complex terms and jargon, which can make it difficult for people with limited financial education to understand.

3. Lack of trust in financial institutions: due to historical and ongoing discrimination, many Black Americans have a lack of trust in financial institutions and may be hesitant to invest their money. They may also be more likely to rely on informal financial networks, such as friends and family, rather than traditional financial institutions

4 Economic inequality: Black Americans are more likely to live in poverty and have lower median incomes than White Americans, which can make it difficult to save and invest money.

Wow! AI is going to be (and already is) a game changer. It is important to note that these factors are not exclusive to Black Americans, and that financial literacy is a widespread issue in the United States. It is also important to address financial literacy as a systemic issue that requires a comprehensive approach, including increasing access to financial education, promoting financial inclusion and addressing the root causes of economic inequality and discrimination.”

Bottom line? While structural and overt racism are still alive and well in America, financial literacy is a must for the advancement of any community and the creation of generational wealth.

As Booker T. Washington so aptly said, “At the bottom of education, at the bottom of politics, even at the bottom of religion, there must be for our race economic independence.”

This article includes information generated by artificial intelligence.

those with higher financial literacy tend to save for retirement, have non-retirement savings, and manage their debt better overall. They are also less likely to be financially fragile.

While not a cure-all, the National Urban League (NUL) believes increased financial literacy can lead to improved financial capability and practices that benefit even those with relatively low incomes. We also believe that future initiatives that aim to bridge these gaps must better target the needs of specific demographic subgroups if they are to be successful.

Financial literacy is combining financial knowledge with attitudes, skills, and behaviors, which are essential to make a financial decision based on personal circumstances. It helps improve your financial well-being. Undoubtedly, being financially literate will assist in influencing financial decisions. The ability to make financial decisions and improve financial well-being are two important aspects of the definition of financial literacy.

However, concepts defining financial literacy have failed to highlight the financial issues associated with the complex financial environment. According to traditional financial literacy framing, anyone can be considered financially illiterate for not having enough skills or knowledge regarding finances. Researchers have learned that people who have low incomes can possess the same decreased bandwidth in decision-making as those suffering from personal and other stressful situations.

Being financially literate can be difficult for people living in poverty who are also struggling to change their financial conditions. Financial assets may also affect lower earners adversely as they fall into the ‘bank fee poverty trap.’ This trap occurs because they do not own any mortgages or cannot meet minimum bank balance requirements.

Problems with the concept of ‘financial literacy’ Culture

Following certain cultural customs could positively impact neighborhoods from a community perspective while causing people to appear to be financially illiterate from an individualistic perspective.

Financial literacy does not determine how others are affected when an individual makes a financial decision, such as supporting a local store that will open opportunities for employment by creating ample benefits specifically for the community. Whereas shopping online with large stores is more likely to be a less expensive financial decision, it can produce

adverse effects on those who are running physical brick and mortar store locations. It is essential to highlight the influences of financial decision making and how others are affected according to the definition of financial literacy. It includes cultural and personal values, socioeconomic status, life stages, professional associations, educational level, media, and much more.

Financial dilemmas

Financial literacy should include an individual’s capacity to reflect on the critical consequences of their financial decisions. For example, individuals may face “financial dilemmas,” which include stressful situations such as sudden expenses or unemployment. It is highly rational, therefore, that people with lowincome can be the “best budgeters” due to the implementation of their practiced survival skills. For instance, if there is an option to either pay rent or feed the family, an individual’s financial decision may be conflicted. It is not a “lack of financial literacy” that affects these decisions. Rather, low-income families may have a limited stronghold over their financial matters.

Education

Another main issue related to financial literacy is that only 17 states are providing financial education. Schools must give essential life lessons about financial skills to young people. This education will help them to effectively monetize their own labor and manage their assets efficiently. There is a definite need for programs comprised of financial literacy skills to be offered to students to learn how to manage and implement their finances appropriately in the real world.

Finally, NUL believes that financial literacy is a collective problem. Issues related to financial literacy are not associated with only one individual or group or individuals. It is a common problem for the whole nation as it directly affects the younger generation. Our country needs to plan on how to implement and operationalize the concept of financial literacy in the most efficient and effective possible manner. The government at all levels should allocate funds for proper training programs that will create awareness regarding financial and risk management. It is urgently necessary to impart the efficacy of financial literacy onto young adults of color as it will allow them to make better financial decisions and manage their finances intergenerationally and with heightened eloquence.

Photo by Paul Greene

AFRO Publisher Dr. Frances “Toni” Draper

Disparities in African-American financial literacy: serious problems with the concept

Ensuring our right to invest in the next generation’s future COMMENTARY

By Ben Jealous

If a public opinion poll done last month is right, more than half of you won’t know what I mean by the initials “ESG,” and fewer than one in 10 will understand what they mean for financial markets.

But listening to some selfinterested politicians, many of whom have ties to our dirtiest industries, you’d think ESG was a significant threat to the American way of life.

For the record, ESG refers to responsible investing that considers companies’ environmental, social, and governance practices. That’s actually something most Americans support. More than half of us think financial managers should be allowed to consider environmental factors, climate threats, and the risk involved in fossil fuels’ future and that states should invest public retirement funds in clean energy. More than eight in 10 of us who invest for ourselves want sustainable options for our savings, Morgan Stanley reported.

In economics class, we called that demand.

In his 2022 annual letter to CEOs, Larry Fink, chairman of the world’s largest investment adviser BlackRock, called it “stakeholder” capitalism.

“It is capitalism, driven by mutually beneficial

relationships between you and the employees, customers, suppliers, and communities your company relies on to prosper. This is the power of capitalism,” he wrote, adding, “We focus on sustainability not because we’re environmentalists, but because we are capitalists and fiduciaries to our clients. That requires understanding how companies are adjusting their businesses for the massive changes the economy is undergoing.”

Perversely, Fink has been pilloried by right-wing politicians as a green ideologue when his firm claims to be the largest single investor in fossil fuel companies on the planet. These same politicians are trying to prohibit this kind of responsible investing through state and federal laws. They argue they are fighting for free market capitalism when really they are limiting investors’ freedom to choose and the information that they need to make decisions. It’s not free markets, it’s political pressure.

The costs of these mistaken and misrepresented policies are real. Economists from the Federal Reserve Bank of Chicago and the University of Pennsylvania determined that within eight months of Texas passing a law that prevented local governments

from using five of the largest bond underwriters taxpayers would pay $300-$500 million more on $31.8 billion those governments wanted to borrow. That amounts to about a 1 percent tax on that debt. Not to mention the banks cut out of the Texas market have Texas employees whose companies can no longer compete in their state.

Fortunately, some public officials are insisting that they be allowed to shape portfolios in ways that are fiscally sound precisely because they consider environmental impacts. I was in New York City last week for an announcement by city Comptroller Brad Lander and the trustees of the New York City Employees’ Retirement System and the Teachers Retirement System of their plan to reach net zero pollution from emissions in their investment portfolios by 2040.

“If the cynical war of political distraction waged by red-state politicians at the behest of their fossil-fuel donors deters us,” Lander predicted, “we will sacrifice our opportunity to maximize long-term investment returns along with millions of lives and trillions of dollars of global investment.”

Opponents of this responsible approach to investing derisively label it

“woke” because they know that term creates confusion and for some fear. So it’s a perfect wedge to divide us. If anything, they need to wake up to the idea that Americans want to pass on a safer, healthier planet powered by abundant

energy to our children and our grandchildren. We want to put our money where our aspirations are.

Ben Jealous is executive director of the Sierra Club, the nation’s largest and

most influential grassroots environmental organization. He is a professor of practice at the University of Pennsylvania and author of “Never Forget Our People Were Always Free,” published in January.

President Biden is investing in America’s underserved communities

By Atlanta Mayor Andre Dickens

Atlanta has a proud legacy as the cradle of the civil rights movement. Throughout our history, Atlantans from Martin Luther King Jr. to the trailblazers of Sweet Auburn not only helped birth the modern movement to create justice for all but had a laser focus on economic empowerment for everyone.

When I ran for mayor, I made a commitment to end the tale of two cities in Atlanta. I promised to fight for an economy that grew in a balanced way, so that workers could get trained for family-sustaining jobs, small businesses could participate in our city’s growth and all of Atlanta could rise together.

More plainly, I wanted to ensure that Atlantans from all backgrounds have a shot at fully participating in Atlanta’s economy.

Atlanta is one of the most diverse cities in America, so the economic mobility of all Atlantans is of extraordinary importance to me. It matters to President Joe Biden, too. In fact, President Biden and Vice President Kamala Harris have proven this time and again by delivering federal resources. Thanks to the historic Infrastructure Investment and Jobs Act, Inflation Reduction Act, American Rescue Plan, and executive orders signed by the president, historic investments are being made in cities like Atlanta – and

everybody has a shot at participating and benefiting from these investments.

This month, Vice President Harris joined me in Atlanta to celebrate federal dollars coming to electrify Atlanta-area school buses. We’re moving away from the hazardous fumes of diesel school buses, which are disproportionately used in underserved communities, toward cleaner energy that’s better for the environment and better for our children’s health. And with these investments, we’re ensuring Atlantans in all zip codes have access to apprenticeships and goodpaying job opportunities. These investments are just the beginning when it comes to ensuring all of Atlanta participates in our economy. Within days of taking office,

President Biden signed an executive order which requires the federal government to live up to the Justice 40 Initiative. Justice 40 is an effort to ensure that at least 40 percent of certain federal investments go to communities that have faced a disproportionate burden of environmental harms and pollution. That means more improvements and more jobs in our communities.

Plus, thanks to the BidenHarris Administration working alongside Sen. Ossoff, Sen. Warnock and Rep. Williams, Atlanta will receive $30 million to improve safety along Pryor Street and Center Avenue through the Safe Streets and Roads for All Program. This program will allow the city to hire workers from our

communities to build protected bike lanes and pedestrian facilities, making the area safer and more accessible while connecting the Southside and the Southside Beltline. This is in addition to $40 million delivered to upgrade HartsfieldJackson Atlanta International Airport and millions of American Rescue Plan funds the City has already put to work on pre-arrest diversion services, combatting homelessness, job training and so much more.

We have a lot more work to do before every family in Atlanta has the same access to economic mobility, but change is happening right now – and a lot of that progress is due in large part to the priorities of the Biden-Harris Administration.

Here’s the bottom line: as

The American Rescue Plan continues to deliver

By Congressman James E. Clyburn

When President Joe Biden took office, the economy was in crisis, millions of Americans were out of work, and Main Streets were shuttered. Two years later, it’s clear that his economic plan is working.

The Biden administration has created over 12.4 million jobs during his presidency. Our nation’s unemployment rate is at the lowest since 1969 and the deficit has fallen by $1.7 trillion. That success is due in part to the transformational American Rescue Plan.

Enacted just 50 days into his term, the $1.9 trillion American Rescue Plan was the first step in President Biden’s strategy to stabilize families, reopen schools, make COVID-19 vaccines readily available, and get people back to work. Saturday, March 11 marks two years since the enactment. Its success could not be more apparent than in our progress in expanding access to health care,

reducing childhood poverty, and closing the digital divide.

President Theodore Roosevelt was the first president to call for health care reform over 100 years ago. President Barack Obama sought to meet that call with the introduction of the Affordable Care Act (ACA).

The ACA provided subsidies for private health insurance for many low- and middle-income Americans, while strongly incentivizing states to expand Medicaid to provide coverage for those with lower incomes.

The ACA was just the first step toward making health care accessible and affordable for all Americans. The American Rescue Plan was the next one.

The American Rescue Plan temporarily enhanced ACA health insurance subsidies to make coverage more affordable, resulting in millions more Americans signing up. Over 31 million Americans now have access to affordable, quality health insurance through the

ACA and the average family is saving $2,400 a year on their premiums. The enhancements in the ARP have since been extended by the Inflation Reduction Act.

The American Rescue Plan also enhanced the incentive to expand Medicaid for the 12 states that had yet to do so. Since then, two of these states, South Dakota and North Carolina, have decided to move forward, which will expand coverage to more than 300,000 uninsured Americans living in poverty. Nearly 2 million Americans in the 10 remaining non-expansion states, including more than 100,000 in my home state of South Carolina, still find themselves in the so-called coverage gap without any assistance. I urge these states to take advantage of the ARP’s incentives to expand, which will not only provide many lowincome families with access to health care, but it will also help support our rural hospitals and create jobs.

The American Rescue Plan’s

financial lifelines include the expansion of the Child Tax Credit. The expanded Child Tax Credit, paid monthly, increased per-year payments from $2,000 to $3,000 per child and provided an additional $600 per child under the age of 6. This became a lifeline for hardworking families throughout the pandemic. Nearly 4 million children were lifted out of poverty and the child poverty rate declined by 46 percent in one year.

Although the expansion expired at the end of 2021, it should be reinstituted and made permanent. U.S. Census surveys show that families used the Child Tax Credit to afford basic life necessities such as childcare, food, and medicine. Making this assistance permanent would help ensure our most vulnerable have the means to provide for their families. Families’ success in the 21st century is also dependent upon access to affordable, highspeed broadband. The American Rescue Plan included $350 billion to help state, local, and

tribal governments fight the pandemic and build a strong and equitable recovery through investment in long-term growth and opportunity. These funds have created a pathway to making high-speed internet service both accessible and affordable for every South Carolinian. The state was recently awarded $185.8 million from the American Rescue Plan’s Capital Projects Fund for highspeed broadband deployment, and the state has already set aside another $214.2 million of their allocation from the American Rescue Plan’s State and Local Fiscal Recovery Funds to further expand affordable, high-speed internet service.

Taken together with the Bipartisan Infrastructure Law and other federal funding programs, South Carolina now has the $600 million needed to bring universal access to highspeed, affordable internet service by 2026. This will connect our children to education. It will ensure our rural communities have access to telehealth

mayor, my job is to show up and deliver. President Biden and Vice President Harris make that job easier – they are providing the resources to create jobs, contract with women and minorityowned firms, and make real improvements in our communities. In the cradle of the civil rights movement, we’re benefitting from allies in the White House who are laser focused on economic empowerment.

Atlanta Mayor Andre Dickens was sworn into office in January 2022 as the 61st leader of the city.

This article was originally published by BlackPressUSA. com.

and job opportunities. Most importantly, it will open a world of possibilities to every South Carolinian, no matter where they live. I often say the 117th Congress was the most productive since President Lyndon B. Johnson’s Great Society. President Johnson admonished that the “…Great Society is not a safe harbor, a resting place, a final objective, a finished work. It is a challenge constantly renewed, beckoning us toward a destiny where the meaning of our lives matches the marvelous products of our labor.”

After the gross negligence of the previous Administration, the American Rescue Plan put us back on track. Two years after its enactment, it continues to be the linchpin of President Joe Biden’s progress toward making our nation’s greatness accessible and affordable for all.

This article was originally published by BlackPressUSA. com.

Waterloo entrepreneur works to open Iowa’s first Black-owned bank

By Megan Sayles AFRO Business Writer msayles@afro.com

Reshonda Young is a Waterloo, Iowa native and entrepreneur on a mission to open the state’s first Blackowned bank. The Bank of Jabez, which is set to open this year, will be a community development financial institution (CDFI) and will work to prepare and empower people to create generational wealth.

The pressing need for a Black-owned bank in Iowa became clear to Young in 2018 when 24/7 Wall St. released a special report identifying Waterloo as the worst place for Black Americans to live in terms of economic stability.

The financial analysis and commentary company used census data to examine racial disparities in socioeconomic indicators, like poverty, homeownership, unemployment and income.

In Waterloo, the report found that Black residents earn less than 50 percent of what White residents earn and the Black unemployment rate was more than five times that of the White unemployment rate. It also illustrated the homeownership gap between White and Black communities.

“In Waterloo, when we look at the wealth gap, one of the biggest things that contributes to that is homeownership,” said Young. “When we look at the rate of Black homeownership in Waterloo, we’re looking

at below 30 percent. When we look at the rate of White homeownership, we’re looking at below 70 percent. That’s a huge difference.”

because they tend to provide more accessible education around homeownership and financial literacy, and they lend to Black communities at higher rates than White-owned financial institutions.

“We know that when Blacks go to banks for home loans we’re denied at least two to the three times the rate that Whites are denied, and that’s the same for small business loans,” said Young. “When you go into a Black-owned bank, you know that they’re not discriminating against you because you’re Black. Blackowned banks can increase homeownership and provide the funding that small business owners need in order to grow their businesses.”

In addition to her work to open the Bank of Jabez, Young also runs the Cedar Valley Black Business & Entrepreneurship Accelerator, created by 24/7 Black Leadership Advancement Consortium in Waterloo.

going through the program because what you’re teaching may not be as relevant to them as you thought it would be,” said Young.

racial wealth gap.

She also said there is a stark difference in the ability for Black residents to be approved for personal and business loans compared to their White counterparts. For Young, Black-owned banks play a crucial role in reducing the racial wealth gap

The accelerator launched in 2020 and was designed to proactively serve the needs of the local Black business community, and thus far, it has trained more than 50 entrepreneurs. It was also honored by the United States Association of Small Business and Entrepreneurship for being a model community accelerator.

“One of the biggest lessons that we’ve learned is that you may have this curriculum that you have set and are working through, but you really have to listen to the people who are

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“We’ve pivoted the program for each cohort. Each one has been different as we look at the needs of the business owners and as we hear what they want and need to learn more about.”

Young also said Whiteowned banks have their own part to play in reducing the

The financial institutions must examine the accessibility of their branches and services for Black communities and inspect their workforce representation, according to Young. Their staff and hiring decisions should be a reflection of the communities they serve.

It’s also important for White-owned banks to invest in programs created for Black communities, whether they’re

small business accelerators, pitch competitions or grants for general operating support.

“The struggles that Black Americans in Waterloo have felt for so long are the struggles that Black Americans have felt across the country,” said Young. “Black banks make a huge difference in the communities that they serve.”

Megan Sayles is a Report for America Corps member.

Annual “I Got Bank” youth essay contest opens in celebration of national financial literacy month

Oneunited Bank seeking submissions until June 30

By OneUnited Bank

In celebration of National Financial Literacy Month, OneUnited Bank, the nation’s largest Black-owned bank, is proud to announce its 13th Annual “I Got Bank!” National Financial Literacy Contest where 10 children will win a $1,000 savings account. To make financial literacy a core value of the Black community, the Bank is offering a free “I Got Bank” E-Book.

Students from across the country between the ages of eight and 12 are encouraged to read a financial literacy book of their choosing, and either write a 250-word essay or create an art project to show how they would apply what they learned from the book to their daily lives.

Submissions must be emailed or postmarked by June 30. OneUnited Bank

will choose ten winners and award each winner a $1,000 savings account at OneUnited Bank by August 31.

Teri Williams, OneUnited Bank president is author of “I Got Bank! What My Granddad Taught Me About Money.” She wrote the book when she discovered that there weren’t enough books geared toward educating urban youth about finances.

“Given the current economic climate, it’s important for our community to get good with money,” states Williams. “Our contest and free e-book make it easy for families to teach their children how to build wealth and make financial literacy a core value in the Black community!”

For more information about the official contest rules, please visit: www. oneunited.com/book.

About OneUnited Bank OneUnited Bank is the premier bank for urban communities, the largest Black-owned bank, the first Black internet bank and a Community Development Financial Institution (CDFI). Its mission is to provide affordable financial services to support economic development in urban communities and maintain superior financial performance to maximize shareholder value. OneUnited is an FDIC insured bank and an equal housing lender.

“When you go into a Blackowned bank, you know that they’re not discriminating against you because you’re Black. Blackowned banks can increase homeownership and provide the funding that small business owners need in order to grow their businesses.”

The largest Black-owned bank in the country, OneUnited Bank, is hosting its 13th annual financial literacy essay contest. Ten children have the opportunity to win a $1,000 deposit into a savings account.

Courtesy Photo

Reshonda Young is a Waterloo native and entrepreneur. She set off on a mission last year to open Iowa’s first Black-owned bank.

Photo Courtesy of Brenna Norman freelance photographer at the Center for Public Integrity

“Given the current economic climate, it’s important for our community to get good with money.”

Lessons in generational wealth: three families share their stories

By Catherine Pugh Special to the AFRO

“Train up a child in the way he should go and when he is old, he will not depart from it.” —Proverbs 22:6

Almost every day on an Urban One (formerly Radio One) media platform, you can hear a disc jockey ask listeners to patronize Black businesses. It is a mantra to which Cathy Hughes, founder and Board Chairperson of Urban One, is committed. Why is this so important?

It is a way of assisting the Black community in surviving and flourishing.

According to a study by the University of Georgia’s Selig Center for Economic Growth, financial transactions circulate one time within the African-American community, compared to six times in the Latino community, nine times in the Asian community, and an unlimited number of times within the White community.

While African Americans have an estimated $1.3 trillion gross national income, the Selig Center reports, only two percent is recirculated in the Black community.Now, more than ever, African-American families need to have conversations about smart financial decisions. Recirculating the Black dollar and building generational wealth begins with families and relatives having the “money talk.”

The “money talk” among families begins with understanding how to build wealth and not create dependency among family members. Creating generational wealth means being able to ensure that future generations can benefit from the wealth that is being created by families today.

More than 88 percent of millionaires today are first generation. Passing and building wealth through to the third generation almost guarantees future prosperity for a family. Some people rely on a certified public accountant to assist them with money management, while others look to investment companies or estate planners. Some people utilize all three.

Below are views from three different Black families — the Robinsons, the Hensons and Hughes— who share their experiences on building financial security that can also become known as generational wealth. From individuals who have successfully built family businesses or accumulated finances that can sustain them for a lifetime and leave a legacy for their future generations to continue to grow.

Among the commonalities in the information shared is educating children on the significance and importance of saving, investing, and securing a financial future. Instructing our children about financial literacy and the value of assets, including property, insurance, stocks and bonds, should be a part of those family discussions.

Charles Robinson establishes a

financial legacy

Charles Robinson will be 98 years young this year. To meet him is to know a man who does not have a care in the world. That is because one thing that Charles Robinson has focused on is how to build wealth and not have to depend on anyone else, including his children who have taken care of him in his latter years. Indeed, Charles Robinson takes care of himself.

“Uncle Charles,” as he is fondly called, says he took his cues from his father and mother, both of whom were business minded when it came to taking care of the family. “I grew up in a small town in Kentucky and I was able to see how my parents operated. My mother sold everything, from the fruits she canned to making clothes for people in the community,” said Robinson.

“What I have learned over the years is that you can’t just tell our young people what to do to become financially independent — you have to show them,” he continued.

At one point Robinson had over 200 agents working for him in the insurance business. “I am still getting residuals from those agent’s sales today,” he noted.

“Buying real estate and managing properties was also another way of building wealth,” said Robinson. He currently lives in the Ashburton Community, which became accessible to Black Americans in the 1950s.

“I paid $18,000 for this house back then, and I paid it off in eight years,” said Robinson.“Buying a house is one of the greatest assets for building wealth. Property that is kept up only escalates in value. The average selling price for houses in the singlefamily homes in Ashburton can range from the high $200s to over $500,000,” he added. “I am surprised [at] the number of young people who

just give them things. [We must] teach and show them how to earn, expand and build on the wealth that we can pass along.”

With unlimited wealth you can also create unlimited capital that can be used over the course of a lifetime.

“That’s what I’ve done. You don’t want to have to depend on anyone. I can live to be 150 years old, and I will be alright,” he laughed, adding, “It is all in the planning.”

Developing the Henson Development Company

Danny Henson celebrated 80 years of life with a crowd at Colin’s Restaurant, a Blackowned business in Baltimore, on April 4.

“I didn’t expect to be celebrating with all those people,” he said. “We go there once a month as a family.”

Henson then reflected on his journey to accumulate family wealth.

“I wanted to build wealth and independence for my family, but politics and public service also had its callings on my life,” he explained.

long that he formed the Henson Company, where his daughter would come to work. Though she had joined the family business, Henson said that at the time, she was not ready to take over operations. They partnered on projects with the Rouse Company, a leading real estate development and management firm, and built– among other facilities–the Legal Aid Building and the Columbus Center.

“It was not just about building wealth, but building our own independence and being in control,” Henson noted.

Dana left the Henson Company to work for Xerox in Miami, Fla., but she returned to Baltimore 12 years ago.

She was now ready to join her father at the Henson Development Company, the firm he started and expanded to Raleigh, N.C., Tampa, Fla., and Washington, D.C.

With Dana as the chief operating officer, the company’s focus today is on Baltimore.

Henson says that generational wealth building begins with engaging your children at an early age, “around the dinner table,” as he did and still does.

don’t see the value in owning a home.”

There are lots of ways to build generational wealth, Robinson pointed out. It begins with helping our young people to understand the value of a dollar and how to save and invest their money. Planning for the future is important.

“Many people start their first business with the equity they accumulate in their homes. The way to build equity is by paying on the principal of your mortgage with any extra money you have,” said Robinson. “We want our children to live better than we do, but we really don’t make it easy for them when we

“My plan has always been for my children to join me in some entrepreneurial experience. Business ownership was frequently discussed at the dinner table. My daughter, Dana, was a natural in business,” he said. “She was smart. She graduated from high school in three years and college in three years. My thoughts were that she would go to business school.”

Dana felt differently; she wanted to go to work after finishing her undergraduate studies. She started out at IBM, and afterwards worked at Xerox. At both early tech powerhouses, she learned about being in business and understanding wealth building.

After public service, the senior Henson went to work with Struever Brothers, a real estate firm with a reputation of finding creative ways to reimagine urban properties. It wasn’t

“Dana is a hustler and between her education, former employment, exposure to the family business — she is a natural business leader,” he said.

Henson believes that his next generation, his grandchildren–who are already being introduced to the business– will allow the company to continue to grow and give back to the community.

Building

the nation’s leading Black media empire

Cathy Hughes built Radio One broadcasting into the Urban One media platform, with the help of her son Alfred C. Liggins, the largest Black-owned media company in the country. Under the direction of mother and son, the business is continuing to grow.

“To build generational wealth you must let your children grow up in the business,” Hughes said. “They may not ultimately want to join the business, but at the least they will understand its worth.”

Alfred grew up in the Hughes media empire.

“You can’t make excuses about not having time to help them understand the value of owning or taking over a business that you’ve started. If you wait too long,” she warned. “It could be too late.”

Hughes gives the example of John Johnson, owner of Ebony and Jet magazines. Following his founding of Johnson Publishing, and the Ebony Fashion Fair, Johnson was considered at one time to be in control of the most powerful Black media outlet in the country.

“Mr. Johnson had one of the brightest daughters I know [Linda Johnson], who could take over the business and lead it into the 21st century. But he stayed at the helm too long. By the time he

turned it over to Linda, print

“We want our children to live better than we do, but we really don’t make it easy for them when we just give them things. [We must] teach and show them how to earn, expand and build on the wealth that we can pass along.”

Photo by Flávia Gava on Unsplash

Experts say passing down good money sense is key to building generational wealth. Children can learn about saving and create smart spending habits in elementary school.

Photo by Tierra Mallorca on Unsplash

Buying a house, keeping it up and passing it along to a family member are key steps to take in building generational wealth.

Continued from

media was transforming into the digital age,” said Hughes. She recalled a visit to Johnson’s offices in Chicago, when he said to her, “I hope you’re not going to turn your business over to someone you’ve given birth to.”

Hughes’ son, Alfred Liggins III, was eager to go to work and attended the University of Pennsylvania’s prestigious Wharton Business School with a probationary entrance.

“He graduated with honors because his classes were like recalling the applications he was using every day in our business,” said Hughes.

Alfred left the family business to go work

for Barry Gordy at Motown. Nevertheless, Hughes said, “You can’t give up on them.” She didn’t. She would remind Alfred that “when Barry Gordy’s will would be read someday, Alfred’s name would not be included.”

“At the least,” she said, “they learn the worth of the business and if they were to decide to sell it, they would know its worth and what to ask for it.”

Among the most important things Hughes said she did in her pursuit of building generational wealth, was look for an outside consultant — more specifically, a psychologist/ therapist.

“I found a Black woman therapist in Virginia. I was her only African-American client,” said Hughes. “This woman focuses on helping families build generational wealth

in terms of passing leadership on to their children.”

“She helped us set boundaries and guidelines that we both had to agree to abide by, if my son, Alfred, was to become the chief operating officer of the company. Truth be told, the reason I ended up in Baltimore was so that Alfred could have a clear shot at

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running the company from its headquarters in Washington, D.C. – some of the older employees felt they could still come to me and not him if I remained in the D.C. office.”

“I remember saying to our therapist, ‘It is difficult to turn the combination to the safe over to someone, who as a child, lost the keys to the front door more than once,” said Hughes.

But she eventually relented. “I’ve made my share of mistakes in growing this company and I had to allow Alfred to make his own,” she said, concluding that “you have to put your ego aside. You must be open to new ideas and listen to their advice and recognize that your way may not always be the best way. What I have learned is that advice, creativity, and growth is not a one-way street.”

District of Columbia Small Business Development Center (DCSBDC) Launches Financial Literacy Series

April is financial literacy month and DCSBDC is here to help D.C. residents and entrepreneurs learn how to better navigate and understand their small business finances.

In a collaborative venture with Howard University and the U.S. Small Business Administration, the District of Columbia Small Business Development Center (DCSBDC) recently launched a financial literacy series led by three financial literacy counselors: Dr. Tisa Silver Canady, EdD, MBA; DeWayne Ellis, The Wealth Syndicate; and Shante Nicole, Your Credit GPS.

The DCSBDC Financial Literacy Programs include Finance Fridays; FLOW (Financial, Literacy, Outreach, Wealth); Sammy The Saver - Youth Financial Literacy; and Business Development 2.0 Webinar Series.

FLOW serves as a fresh and creative virtual series designed to help participants reduce student loan debt, improve small business record keeping, understand key tips on saving, retirement planning and more, all designed to help you further your professional and personal goals. The FLOW series will cover topics that include: Mine Your Money;

Borrowing While Black; I’ve Got My LLC, Now What?; Record Keeping 101; Critical Financial Statements Every Business Should Know; and Understanding Public Service Loan Forgiveness.

The Sammy the Saver project is a collaborative venture with Howard University and DCSBDC and is funded by Citi Foundation. Graphics and visuals were developed by Nabeeh Bilal and Candice Taylor, Duke Ellington School of the Arts graduates and the co-founders and business partners of Creative Junkfood. Carl Brown, DCSBDC state director, is the visionary behind the comic book project and its main characters: Sammy, a 12-year-old entrepreneur, and his friends Katrina and “Cash Money” Carl. You can check out Sammy and his friends at sammythesaver.com.

Sammy the Saver was designed to teach youth the rubrics of financial literacy and is now available for parents, educators, and mentors of children. Brown, who recently marked seven years in his director’s position, created the concepts which undergird the Sammy the Saver project with many of the stories in the comic book based on situations that he’s faced on the job.

DCSBDC’s Business Development 2.0 Webinar Series helps participants as they struggle with the changing landscape caused by the ongoing pandemic. “Business As Usual” no longer serves as an effective strategy for either new or already in existence businesses. Entrepreneurs must now think well outside of the box and prepare for the future with a newly updated toolbox if they hope to succeed.

In this ever-changing world, entrepreneurs realize that they must do new things, employ new techniques, and master new forms of technology to step up their marketing game and meet their intended audience where they are. The topics in this webinar series will be far more than just an entry-level, “Business 101” experience. It will empower participants to raise their businesses and entrepreneurial acumen to the next level.

Financial literacy is the key to success for any small business. April is financial literacy month – the perfect time to take control of your small business finances.

To schedule an appointment with one of the financial literacy counselors, or for more information, visit www. DCSBDC.org.

“It was not just about building wealth, but building our own independence and being in control.”

Let’s Talk about Money: Starting a Business

Thinking about starting abusiness? Here are 5 things to consider

More people are choosing to become entrepreneurs and chart a path of their own in the pandemic. In fact, one million more new business applications were filed in 2021 than in 2020 - the highest total on record- according to the U.S Census Bureau.

If you are ready to dive into small business ownership, having a plan, understanding your credit health, and building a strong foundation can set you up for success -- and help you sustain and grow what you are working to build today.

“The early days of building a business are exciting and also come with many questions. I enjoy helping people figure out the roadmap and take some of the guesswork out of the first few steps,” said Chase Senior Business Consultant Hans Petit-Homme.

To help you start, here are some tips for those initial steps:

• Put it on paper. Every new business should start with a business plan. Even if your start with the basics, this document is a blueprint for how to build and maintain your company, which is helpful to have on hand once you begin to get into the nittygritty of getting your operation off the ground. This 5-steps checklist can help you take important actions before you open.

• Build and protect your credit. Knowing your credit score and how it works is a building block for your overall financial goals.

“As you start your business, it’s important to realize your personal credit score will be the key to help obtain initial capital, such as a small business credit card. Keeping it strong can help you maintain your personal AND your business’ financial health,” said Petit-Homme. “As your business grows, the financial health of your business is what will allow you to access other capital and funding, yet both your personal and business credit information could be considered as part of the mix when creditors evaluate your needs.”

One tip: To build credit in your business’ name, set up a small business credit card account, pay vendors and suppliers on time, and be mindful of cashflow and liquidity, among other things.

• Separate personal and business accounts. Many business owners start their companies with their own money, but it is very important to practice the habit of keeping personal and business finances separate. Starting a small business checking account or opening a business credit card can you help you keep track of spending and will also help establish the credit profile for your business and simplify your accounting and help you when it’s time to file taxes.

• Think about expenses. Start-up costs can vary and it’s easy to get lost in the numbers. Getting a clear picture of how much startup money you will need is essential to help avoid cash-flow problems until your business starts turning a profit. You may need to hire staff, purchase equipment or get an office or warehouse space to run your company. There are many ways you can finance your start-up or small business, including a business loan, credit card, line of credit, equipment financing, and small business grants. Determining the best financing option depends on your credit score, how quickly you need the money, and the long-term effects it may have on your business. Speak with a banker first. They are there to help guide you.

• Ask for help. When you’re ready to get started or grow your business, consider having conversations with your local SBA small business development center (SBDC) which delivers free tools, counseling and training to entrepreneurs. Seek out licensed experts in banking, legal and tax who can help build your company’s infrastructure as you launch. Chase offers free workshops -virtual and in-person.

• Bonus tip: The U.S. Small Business Administration (SBA) offers information on the process of registering your business name with state and local governments. There are liability protections, contract opportunities, as well as legal and tax benefits you can miss out on by not registering your business. For example, as your business expands, you can apply to become a supplier to larger businesses.

If you are ready to start a money talk, schedule a meeting with a Business Banker or Chase Senior Business Consultant. During your initial conversation, discuss your business plan, ask for advice on ways to manage expenses and access capital, and don’t forget to ask about available resources and support. For more tips and insight on how to make the most of every business and financial opportunity, visit a Chase branch near you.

Sponsored Content by JPMorgan Chase & Co.

BGE recognizes the importance of supplier diversity, we welcome minority, women and veteran owned businesses. Stronger businesses mean a stronger economy, stronger communities and a stronger BGE.

We’re welcoming diverse suppliers to the team

Hans Petit-Homme.

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JPMorgan Chase hosts small business roundtable with Black women business and nonprofit leaders in D.C.

By Megan Sayles AFRO Business Writer msayles@afro.com

JPMorgan Chase recently hosted a small business roundtable with business and nonprofit leaders in D.C.’s Black community at the Anacostia Arts Center.

Ben Walter, CEO of business banking, led the panel discussion, which featured Pinkey Reddick, owner of Pinke’s E.A.T.S; Shanel Adams, general manager of Dog Tag Bakery; and Tiffany Williams, president and CEO of Martha’s Table.

The women discussed their missions, challenges, needs and shared advice for other small businesses and nonprofits.

“I’ve been lucky enough to spend more than a decade of my life serving small businesses. It’s a tough job. You’re the CEO, the customer service department and the floor sweeper all at the same time,” said Walter.

“When you hear their stories you really hear just how tough it is. They really are heroes bringing their dreams to life.”

Reddick opened Pinke’s E.A.T.S, a family-run catering and food delivery service, in 2016 to provide healthy, fresh food options to her fellow residents in Ward 7, a community that had limited access to fullservice grocery stores.

Now, the D.C. native has acquired a 6,500-square foot space for the business where she plans to also engage other chef entrepreneurs to hone their culinary craft and prepare to open their own food businesses. Reddick and her colleague, Llewellyn McAlister, also recently opened Flavorture, an elevated soul food concept, in Woodley Park. This is the neighborhood’s first Black-owned restaurant.

During the roundtable, Reddick discussed the importance of business owners offering employment opportunities to their local communities.

“I think one of the biggest ways that we give back is by hiring within the community,” said Reddick. “We hire people who look like us and mothers who don’t have the time to work eight hours and need flexibility.”

Williams became the CEO and president of Martha’s Table last December after holding leadership roles with the organization for several years. The nonprofit, which has served Washingtonians for more than 40 years, was started to provide District children with food access.

Today, it runs nationally-accredited education programs, provides mental health services and supports D.C. families in achieving economic security.

Williams explained that nonprofits encounter many of the same challenges that businesses do.

“Martha’s Table is a 501(c)(3) nonprofit, but we run like a business, so we ask ourselves the same questions that business leaders ask themselves. How will we attract and retain top talent? How will we [create] the infrastructure that’s necessary to honor the promises

we’ve made to our neighbors both today and for years to come? ” said Williams.

But, for Williams, the most recent challenge to nonprofits’ success has been navigating the COVID-19 pandemic, officially declared over by President Joe Biden on ——.

“When we think about what’s happened since COVID, for us, everything is new, and everything is different. The biggest challenge is learning how to navigate as a nonprofit in this new era beyond COVID.”

In response, Martha’s Table has forged philanthropic partnerships with various organizations that share in its core values, like JPMorgan Chase, to fund its work and create new programming for residents.

Like Martha’s Table, Dog Tag Bakery has also relied on partnerships to advance its work. The casual restaurant funds a fellowship program that supports veterans and their families with acclimating back into society.

Adams said Dog Tag Bakery engages its customers and the Georgetown business community to help lead workforce training programs for its veterans.

Each of the women agreed that they want to create more opportunities for D.C. residents to become financially secure and fulfill their goals.

“We want everyone to understand the depth of talent and brilliance in this community and to find ways through entrepreneurship to support that talent and allow people the opportunity to live their dreams,” said Williams.

Recognizing the impact of community leaders

All year long, AARP recognizes leaders that help build up their communities.

These heroic leaders prioritize the well-being of their neighborhoods by giving back through education, housing assistance, community outreach and more.

We believe when our efforts drive change for the greater good, we thrive together.

(L to R) JPMorgan Chase CEO of Business Banking, Ben Walter, leads a small business roundtable at the Anacostia Arts Center with Pinkey Reddick, owner of Pinke’s E.A.T.S, Tiffany Williams, president and CEO of Martha’s Table and Shanel Adams, general manager of Dog Tag Bakery.

Photo Courtesy of Joe Vericker

The Moore Report

As Billie Holiday sang: “Them That’s Got, Shall Have, Them That’s Not, Shall Lose”

By Ralph E. Moore Jr. The Moore Report

Wealth and its distribution in the United States is a fascinating study. From wealth gained during centuries of free slave labor to debates over minimum wage law, there’s a lot to discuss and fairness has nothing to do it.

The poet Nikki Giovanni once said in her 1968 poem, titled “Nikka Rosa,” that “Black love is Black wealth.”

Octavia Vance Smith, my maternal grandmother, always said, “If you have your health, you have your wealth.” But despite the wisdom of these two great women, the deepest, darkest of loves and the epitome of physical fitness “don’t pay the rent.”

Face it, under this capitalist economic system, some who are at the top have a whole lot of wealth, most in the middle have some to just a little and those at the bottom of the ladder have none. This flagrant, unfair spread of wealth and income was built to benefit White America. The stubborn hold the system has on keeping people in their financial place, while also suggesting that equal opportunity will make you rich one day is not supported by the facts.

As the old saying goes, “The rich get richer and the poor get poorer.” And it seems to stay true. Wealth is measured in

so many ways: what’s in the checking and savings accounts?

What does one own? A house or two or three or more? How many cars are at one’s disposal? What about a boat or an airplane?

Who in the family graduated from college– and what college?

Are any family members professionals? A doctor? A lawyer? A businessperson, a banker or a professor?

How did things get this way?

How did some–like rich and famous athletes, entertainers, inventors and financial investors– get so much, while others, living penniless, jobless, uneducated or homeless– have so little?

We hear that “money can’t buy you love,” but we know it buys political influence all the time in the form of campaign contributions which give access to politicians and influence over them. Yes, money does talk. Indeed it does and that is why poverty is on the rise and the American middle class is shrinking.

Racial prejudice has its place in how wealth has been spread or better yet concentrated in the hands of a few. According to educational materials released by the Smithsonian American Art Museum, the G.I. Bill, or the Servicemen’s Readjustment Act of 1944, cleared the way for returning service members to receive benefits that improved their life and the lives of their family members in exchange

for their service and sacrifice. Everything from “payments for tuition and living expenses for those electing to attend college” to “low-interest loans for entrepreneurial veterans wanting to start a business” were offered as benefits for those who served the country for at least 120 days as an active duty member of the military.

“The bill not only helped individual service members, but also stimulated long-term economic growth,” reads information released by the Smithsonian, in efforts to help students understand history through art.

President Franklin

D. Roosevelt signed the Servicemen’s Readjustment Act into law on June 22, 1944, it was only a few weeks after D-Day, the day the Allies landed in Normandy, France. Some thought of that battle as the beginning of the end of the second World War.

Due to White supremacy and the commitment to Black subjugation, thousands of Black veterans were lynched in the years following World War II. The New Deal was a raw deal for Blacks who bravely and selflessly served their country in World War II.

Black Americans could not buy houses in better neighborhoods using the G.I. Bill, so many were forced to remain in rundown, segregated communities.

“Though the law was deemed a political and economic success, there was one segment of veterans who were denied many of the bill’s benefits – African Americans. One of the more important benefits that AfricanAmerican service members were unable to take advantage of were low-cost mortgages,” reports the Smithsonian. “In theory, this benefit allowed all veterans to purchase homes in the quickly growing suburbs, homes whose value would rise steadily in the coming decades, creating new wealth for vets in the post-war era. However, Black veterans were not able to take advantage of this benefit because banks would not make loans for mortgages in Black neighborhoods.”

The way things are now, the wealth gap was built and sustained by the government to keep Blacks down. Blacks worked hard, fought overseas, paid taxes and struggled to get the vote for decades. Yet African American financial progress was either stopped or eliminated (see Tulsa, Okla. in 1921 and Rosewood, Fla. in 1923). It is clear that in the game of American wealth, Black folks are not supposed to win.

The U.S. Census Bureau informs us that the wealth gap between Black and White American households persists. The median family income for White households in 2019 was $76,057. While for Black

households, it was $46,073.

Black wealth has been regenerated by Black people for centuries: we left enslavement with nothing and survived. We were systematically segregated from getting jobs or raises and promotions and thrived.

But what would have happened if our parents and grandparents had gotten loan guarantees to buy houses in the 1940s? Our community would look substantially better in terms of wealth.

Black people fought for freedom around the world only to return home and be denied economic justice– and it was a detrimental blow to the AfricanAmerican community.

If folks had been able to get student loans back then, the current and forthcoming generations would have more wealth, more generationally implanted professionals and more businesspersons firmly based in the trades. If things had been different, the Pledge of Allegiance which states “liberty and justice for all” would have included economic justice that applies to people of color. But White supremacy is a zero-sum game, especially as it pertains to Black wealth. And as it stands, Blacks have to lose, so White people can win.

Sadly, that has always been the American way.

Burden of medical debt forces Black Americans to make difficult choices

By Mylika Scatliffe AFRO Women’s Health Writer

Marie Crest is like many other Black people in the United States. She is 36-years-old.

She’s a mother of two sons with a third on the way. Crest works full time as an account consultant specialist for a national payroll company, but somehow, she receives regular collection phone calls and letters about outstanding bills–medical bills, to be exact.

“I probably have roughly $4,000 or $5,000 in outstanding medical bills going [back] to 2019, mostly for my sons,” said Crest. “I had to take my oldest for a consultation with a dental specialist about a chipped tooth. My portion of the bill was $1,200 and that was after what my in-network dental insurance provider paid.”

According to a report published by the National Consumer Law Center (NCLC) entitled “The Racial Health and Wealth Gap: Impact of Medical Debt on Black Families,” medical debt “remains a looming crisis that disproportionately affects Black households and communities, despite the aims of the Affordable Care Act.”

The NCLC reports that “sixty-two percent of bankruptcies are related to medical debt, one in three Black adults have past due medical bills, compared to fewer than one in four White adults, and 17 percent of Black adults lack health insurance compared to 12 percent of White adults.”

An analysis performed by the Kaiser Family Foundation last year shows that citizens who are chronically ill, lowincome, uninsured, Black or Hispanic or live in states that have not expanded Medicaid eligibility as allowed under the Affordable Care Act, bear the heaviest burdens of medical debt.

“The disproportionate amount of medical debt carried by Black Americans goes back to the systemic disparities that go back as far as this country’s

existence,” said Berneta Haynes, a staff attorney at the NCLC and author of the abovementioned report.

In 2022, the Federal Reserve reported Black households had an average net worth of $340,599 versus $1.3 million held by White households.

“Less wealthy households have less ability to weather an unexpected financial crisis. A surprise $500 medical bill can send finances into a tailspin for someone living paycheck to paycheck,” said Haynes.

The history of Jim Crow segregation has a direct correlation to the racial health gap between Black and White people in America. Racist policies were embedded into all aspects of life and into every institution in the United States, including hospitals and health care.

“It looked different in the North and South. In the South, Black people had no access to hospitals while in the North, there may have been access– but the facilities and provided care were inferior,” said Haynes.

The passage of the Civil Rights Act of 1964 and the implementation of Medicare and Medicaid essentially ended hospital and health care segregation, but major inequities persist today.

“The racial wealth gap is only worsened by the racial health gap. The disparities in healthcare access, and healthcare quality, and health outcomes across race,” said

eliminate the risk, as Crest can attest.

“Even with the amount I pay monthly for the insurance, there are still copays whenever we go to the doctor and additional bills for non-covered items that show up in the mail a couple weeks after each visit,” said Crest.

Crest’s younger son suffers from asthma and had a particularly rough few months last year. Her firstborn son suffered a concussion during a football game during fall.

According to a recent report from the Urban Institute, of the 100 counties in the United States with the highest concentration of medical debt, 79 of them were in states that had not expanded Medicaid. Texas, where Crest resides, tops the list, followed by Georgia and North Carolina.

Haynes. “What that means is Black households are more likely to be struggling with chronic conditions like heart disease and cancer. People dealing with these chronic conditions tend to have higher medical bills because they interface with the medical system more frequently. This creates medical debt for Blacks at a level you don’t see for Whites.”

While lack of health insurance or being underinsured has a strong correlation to high rates of medical debt, owning a health insurance policy does not

“My youngest has to use three different inhalers, one of them alone is $75. After my oldest had the concussion, he had to have weekly doctor’s visits for several weeks and that was a $25 or $50 copay for each visit,” she said. “It’s insane how much it all adds up when I’m paying a monthly premium for coverage in the first place.”

After a bleeding scare early in her current pregnancy, Crest visited the emergency room where she had an ultrasound and bloodwork. She received an invoice of almost $12,000. After the health plan discount and the portion covered by the insurance provider, she was left with a balance of a little over $2,000.

Expenses like copays and coinsurance balances are not the only contributors to medical debt for people who are insured. In Georgia, where Haynes is located, narrow insurance networks are a significant obstacle.

A narrow insurance network refers to when an insurer has so few providers in the network that patients are forced to go outside the network to obtain care. The term also refers to when in-network providers are so far away that patients have little to no choice about choosing to be seen by outof-network providers who are within a more reasonable distance.

Out of network care is always more expensive, subject to higher deductibles, and patients are responsible for a higher percentage of the cost of services rendered.

“Like most southern states, Georgia has never expanded Medicaid and narrow insurance networks are a common problem across the South–where the majority of Black people live,” said Haynes.

Attempts to avoid incurring debt leads to making difficult decisions about health care. Decisions like whether to buy groceries or fill necessary prescriptions.

“Delay of necessary care is a large contributor to medical bills. Delaying care could mean not going to the doctor or choosing to go without essential prescription medication. It’s also not purchasing healthy groceries. It all contributes to worsening health and eventually more medical bills,” said Haynes.

Crest emphasized she would never take chances with her children’s health needs, but she had to make a choice for herself in 2019 when she sliced her finger open while cooking.

“I know I should have gotten stitches but I just didn’t want to take a chance on racking up another bill,” Crest told the AFRO. “I’d been to an urgent care facility before that turned me away because I had an outstanding balance, so I called my friend who’s a nurse and she helped me.”

Haynes confirmed that in certain circumstances providers can refuse to provide care if there is an outstanding balance.

“Hospitals cannot turn anyone away if there is a true medical emergency and Medicaid patients can’t be turned away for any reason. However, hospitals can refuse to provide non-emergency care if there is an unpaid balance,” Haynes explained.

Fortunately, Maryland has new safeguards in place to assist those overwhelmed with medical bills. These include adopting measures where a person’s income level can trigger an automatic care requirement from hospitals that must provide help at no cost or at discounted rates. The measures also require hospitals to proactively screen patients to see if they qualify for financial assistance or

(e.g. Medicaid). Perhaps most importantly though, Maryland officials have set boundaries for when hospitals can initiate collection activity. Similar financial screening measures are in place in California, Colorado, Illinois and New Mexico.

Maryland hospitals must provide proof via affidavit that a patient has been offered a payment plan and puts restrictions on aggressive collection activity. Collection agencies and creditors cannot place liens against primary residences, seek civil arrest warrants, or garnish wages against patients eligible for free or discounted care. Going

one step further than other states, Maryland has also set up a process to identify and reimburse money paid by impoverished hospital patients who paid for medicare care that should have been provided for free between 2017 and 2021.

The NCLC is a large network of attorneys that leverages policy expertise to address various consumer injustices faced by vulnerable populations including low income, elderly, and people of color. In addition to medical debt, these areas include energy, utilities, housing, lending, scams and fraud.

“No one should have to decide between buying medicine, going to the doctor or buying food, but it’s an unfortunate reality for many in this country.”

other public assistance programs

Marie Crest, like many mothers across the nation, says the health needs of her children will always come first– even if it means increasing her personal debt.

Courtesy Photo

Berneta Haynes is a staff attorney at the National Consumer Law Center and author of the report, “The Racial Health and Wealth Gap: Impact of Medical Debt on Black Families.”

Courtesy Photo

“I pay $400 per month for health insurance and I still pay copays at nearly every doctor’s visit and get all these invoices - even from the dentist. The math just doesn’t add up!”

Mass incarceration significantly impacting collective Black wealth of African Americans

By Tashi McQueen AFRO Political Writer tmcqueen@afro.com

According to the Prison Policy Initiative, Black Americans bear the brunt of the burden for mass incarceration. Americans see more arrests per capita than any other country and too many are incarcerated because they simply can’t make bail while awaiting trial.

Maryland is one of 12 states where more than half the prison population is Black. Baltimore City is one of the significant contributors to this statistic.

“Black people in Baltimore City, families and entire communities have been devastated by overpolicing, discriminatory policing, a discriminatory criminal justice system and biased prosecution,” said Sen. Jill P. Carter (D-Md.-41).

Mass incarceration impacts so many aspects of society but especially wealth.

“Mass incarceration has such a detrimental impact on the collective wealth of the Black community because it detracts from our community’s earning power, removes individuals from playing a role in our community and creates additional expenses for families while exacerbating trauma,” said Sen. Cory McCray (D-Md.-45). “So many individuals who could be contributing to our community are instead serving time in prison, unfortunately.”

Carter highlighted the harsh reality for many formerly

imprisoned people, a stained record.

“When you’re talking about wealth, once people are stained with criminality and are released from incarceration, their options are severely decreased even if they just have a misdemeanor conviction,” said Carter. “Too few resources are devoted to helping that person

not only rehabilitate themselves but create a pathway to economic success.”

Formerly incarcerated persons are nearly ten times more likely to be homeless than ordinary citizens due to employment inaccessibility and housing discrimination. Discrimination can be due to their

record, time since release, gender, age and race.

“We don’t provide enough pathways for people to have a place in legitimate society, where they can work, have a business and pay taxes,” said Carter. “People have to do illegal activities to make a living, to put food in their family’s

home and knowing the power of the vote.”

McCray highlighted several factors Baltimoreans could use to strengthen their Black wealth.

“Education is an important aspect of our community. The sooner we train our young people to excel at math, reading and other core

mouths. It’s the responsibility of the legislature and political leadership to change that, to create options for them outside of criminality.”

Despite this, some can turn their lives around and Gwen Levi is one of them.

“I knew God had a better purpose for me. I promised the Lord I would work for the people who supported me if I got out and that’s what I’ve been doing since,” said Levi, a formerly imprisoned advocate for social and criminal justice. “I was able to regain my wealth after incarceration, but when I say wealth, I mean transformation, being able to rally my community, making sure there are necessary programs for people who come

subject areas, the more opportunities they will have to change the trajectory of our community,” said McCray. “One of the oldest paths to securing generational wealth has been acquiring real estate. We must prioritize ownership of real property so we can build the community we envision for generations to come.”

Carter and Levi shared similar ideas for solutions.

“It’s on the community and the legislators to reverse the impacts of mass incarceration on the Black community,” said Levi.

“The community has to hold legislators accountable,” said Carter.

Tashi McQueen is a Report For America Corps Member.

“When you’re talking about wealth, once people are stained with criminality and are released from incarceration, their options are severely decreased— even if they have just a misdemeanor conviction.”

Photo by Pandav Tank on Unsplash Wealth in the Black community suffers largely due to generations of Black fathers, mothers, brothers and sisters trapped in the cycle of the American prison system for a lifetime.

Paying down debt doesn’t have to overwhelm you

By Word In Black Staff

Why is it so easy to get into debt and so hard to find your way out? And why does trying to manage debt often feel so overwhelming?

A growing number of consumers are facing this challenge. American household debt increased by $34 billion last year, with 18.3 million borrowers falling behind on a credit card, according to the quarterly report on household debt and credit by the Federal Reserve Bank of New York.

Wells Fargo Bank is helping customers lessen stress and learn to manage their credit and debt effectively.

“We have many options and like to connect with customers using a personalized approach that is tailored to their needs,” said Darlene Smith-Daniels, branch manager at the 42nd Street and 3rd Avenue Wells Fargo branch in New York City. “We are very hands-on, letting them know we’re here to help them establish credit or manage their debt.”

Smith-Daniels, who joined Wells Fargo in 2003 as a teller and worked her way up to branch manager, relates to her customers and values the bank’s commitment to assisting customers in this area.

“Growing up, I wasn’t taught a lot about credit,” she said. “It gives me a good feeling to help them with our debt management tools.”

When customers make an appointment to come in and see a banker, we want to get to know them and learn about their financial situation. About 80 percent of customers say their main goal is managing debt, while 20 percent want to save more. We want to build

trust with our customers, so they feel comfortable when addressing money matters.

Finances can be a sensitive subject, and Smith-Daniels knows that talking about them can be embarrassing for some customers.

“We take a personal approach and show empathy,” she said. “Our people are trained to help customers who feel bad about their debt getting out of control and assist them in coming up with a plan to reach their goals.”

Helping customers gain financial literacy is a high priority for Wells Fargo. That includes helping them see the

big picture to understand the relationship between credit and debt.

It’s common for customers to come in seeking a personal loan while making the minimum monthly payment on their credit cards, SmithDaniels said. She and her team introduce Wells Fargo customers to Credit CloseUpSM which allows them to check their FICO score and receive personalized tips and a monthly analysis to help

them take control of their debt.

“Managing debt is not easy and can become overwhelming,” SmithDaniels said, and this can cause some people to ignore their debt. “We work to find ways for them to tackle it, because that debt is not going to disappear. We help them to not pick up more credit and pay down debt, which gives them more options.”

Sometimes a lack of understanding hinders the process. One popular misconception is that there are quick ways to pay down debt.

“We explain that we cannot provide a quick

solution, and we counsel them on the need to have patience,” she said. “We show them two approaches: the snowball method — paying off the smallest debt first— and the avalanche method of paying off the highest interest account first. And we work together to find the best method for them.”

Another tool is the Debtto-Income (DTI) Ratio Calculator to show how debt impacts borrowing power. It’s vital to understand this equation, Smith-Daniels said, because many customers make the mistake of wanting to wipe out all their debt.

“Many customers don’t know until they’re speaking

to us that this ratio affects them if they want to borrow again. “It’s best to have a mix of credit and some debt, as long as it’s in line with a healthy debt-to-income ratio. It’s all about management. You must have some debt to show that you can repay it. If you have no repayment history, then lenders may have difficulty lending to you.”

Along with the tools, Wells Fargo offers staff with the skill sets to guide customers through the maze of credit and debt management.

“They need somebody who has been trained and been doing this for some time,” Smith-Daniels said. “I think that is why a lot of customers do come back.”

She sometimes uses an analogy to help customers understand the need for regular financial check-ups and maintenance.

“I ask them how they manage their health and remind them that they see their doctor regularly to make sure everything is working,” she said. “I encourage them to look at their finances that way, to make sure that they sit down with their banker for a review at least once a year and go over their finances.”

The result? “They love it, and definitely relate to it,” Smith-Daniels said. “They say, ‘You’re right. I do need to have that financial checkup to make sure everything is alright, and I don’t get overwhelmed with my debt.’”

The results have been encouraging.

“We’ve had great outcomes,” Smith-Daniels said. “Some customers come back and say, ‘Now I want to apply for a loan or a mortgage because now I have everything under control,

Creating a budget is the first step to financial health

By Roz Edward The Michigan Chronicle

Millions of Americans are still reeling from the unparalleled setbacks of the past few years, and too many Black consumers continue to face serious financial fallout in the aftermath of the COVID-19 pandemic.

Many of those losses suffered are, in large part, due to job loss, wage reductions, and the subsequent devastation imposed by inflation. The upheaval and insecurity hinder financial recovery for individuals and families.

But New Year’s resolutions aside — and postpandemic financial recovery seemingly around the corner — it’s imperative that African American consumers examine their current financial status, assess their economic well-being, and develop a realistic plan to get back on track to building savings and wealth for short, long-term and legacy goals.

Wells Fargo wants consumers to do more than just survive or persevere through the storm. The financial institution encourages saving and

budgeting, addresses budget basics, and is applying new strategies and products to help Black Americans save now to help build healthy financial futures.

Nicole Burrell, senior vice president and Delaware South District manager for Wells Fargo, explains that the task of getting your finances back in order and moving toward your financial goals is not as daunting as it may appear at first glance.

The banking leader shared invaluable advice for consumers to help get their bearings and get going with budgeting and savings plans.

“The first thing to do is analyze and start with where you are financially,” Burrell said, adding that this starts with assessing where you are with your saving and budgeting goals. Sitting down with a banker can help.

“People don’t know what they don’t know until they sit down with someone and go through the discovery process and review debt,” she added.

Burrell says that understanding your debt and crafting a plan to tackle it is more important than attempting to just save money.

“They’re able to see the bigger picture and use resources to help them to get on track…or make adjustments within the means they have already,” said Burrell.

You can start building a budget by just making a record of how much you spend vs. how much monthly income you have, Burrell said. This can include how much you’re paying towards credit debt.

“Just do a deep analysis because a lot of times your savings comes from readjusting your debt in order for you to be able to save money,” she said.

To help pay down credit card debt faster, consider finding a credit card that offers a zero percent interest rate on balance transfers and allows you to consolidate your credit card debt into one monthly payment. Consult Wells Fargo’s Smarter Credit Center for other tips to help consolidate debt.

Wells Fargo also offers its customers tools to help stay on target like Budget Watch, which allows users to create a personalized budget and understand on a monthby-month basis the amount being spent vs. the amount of income being deposited each month.

and I can manage my debt much more effectively and efficiently.’ It gives me a good feeling to know we’re helping customers.”

Wells Fargo’s personalized services includes Wells Fargo AssistSM for customers who are experiencing payment challenges and need support.

The bank’s approach is designed for the long term.

“We try to follow our customer’s progress and set the expectation that we’ll follow up,” Smith-Daniels said.

“If someone is starting off trying to establish credit, we give them the tools, ask if we can follow up with them in a month or two, see how it goes. Then once they get the credit, we work with them on how to maintain it without becoming overwhelmed. If they’re in trouble, we work with them by scheduling a follow-up meeting whenever it’s best for them. We invite them to come back in to see their progress.

“While getting into debt will always be easier than getting out, Wells Fargo is deeply committed to helping customers reach their goals and gain financial stability. “It does take time — you have to be patient,” Smith-Daniels said, “but we can definitely help you get on the right track.”

This article was originally published by Word in Black. Wells Fargo Bank, N.A. is a member of the Federal Deposit Insurance Corporation. The Financial Journey is a unique series focused on financial education and opportunities These stories have been created through a strategic partnership between Wells Fargo and Word In Black.

looking to accomplish, and provide you with a financial plan of how you can get there,” she said.

Getting back on the money track may appear to be a daunting task — or at least one that doesn’t appear feasible in the short term or not even long term. But according to Wells Fargo, it’s more than possible to achieve your financial objectives and they offer tools and strategies to help consumers reach solid financial footing.

Sometimes there are emergencies and if something throws you off track in one month, Budget Watch can help you decide where you may need to reduce expenses in the future. Even if you are making financial strides after setting your budget, Burrell recommends meeting with a banker to see what your financial picture looks like.

What a banker can do is help a customer discover what the needs are.

“Our bankers will go through a full discovery around how and what you are looking to do, what you are

“I wouldn’t have been doing this work for the past 32 years if I didn’t have a passion for helping customers get to their financial goals,” Burrell said. “At Wells Fargo we are excited to help customers discover what’s possible and meet their financial goals.”

This article was originally published by Word in Black. Wells Fargo Bank, N.A. is a member of the Federal Deposit Insurance Corporation. The Financial Journey is a unique series focused on financial education and opportunities. These stories have been created through a strategic partnership between Wells Fargo and Word In Black.

“It’s best to have a mix of credit and some debt, as long as it’s in line with a healthy debt-toincome ratio. It’s all about management.”

Finance experts say creating a budget and understanding spending habits are key actions to improving financial health.

Photo by Pepi Stojanovski on Unsplash

Darlene Smith-Daniels, branch manager at the 42nd Street and 3rd Avenue Wells Fargo branch in New York City.

Courtesy Photo

“People don’t know what they don’t know until they sit down with someone and go through the discovery process and review debt.”

How to recover from some of the most common money pitfalls

Sarah E. Crest Special to

the AFRO

It’s easy to dig yourself into a financial hole by neglecting your finances or making even one wrong decision with your money. When dealing with credit and taxes, information may seem to be confusing. But this article will show you how to improve and even erase poor decisions from your past.

Read below to learn how you can begin correcting some of the most common money mistakes.

What

to

do if you are behind on taxes

If you are behind in your federal tax payments, you must inform the Internal Revenue Service -IRS that you are unable to pay. You may consider making an offer-incompromise on the IRS website after exhausting all avenues to meet your debt.

An offer-in-compromise is designed to help taxpayers settle their tax liability for less than the full amount owed. The IRS will screen you for - ability to pay, income, expenses, and future earnings potential. Please be aware that there are multiple forms to complete. Start with the April 2022 version of IRS Form 656. There is a $205 application fee that can be waived for low-income taxpayers.

If you need to remove an eviction from your credit record

If the eviction on your record is justified– meaning, you really were evicted because you did not pay your rent, damaged rental property, or violated your lease– the eviction will stay on your record for seven years unless you try to remove it.

To do this you must negotiate a settlement with the property owner. Be sure that you obtain a written arrangement including the property owner’s agreement to contact the credit bureaus and rental history reporting agencies to inform them that your debt is clear. You will need to pay what you owe.

Sixty days after the debt is paid, check the credit bureaus and the rental history reporting agencies to be sure your records are clear.

You will need legal help to clear evictions resulting from rent court issues, landlord/tenant litigation or rental debt owed by civil judgment.

If you need to clear a repossession

If your property (automobile, furniture, appliances) is seized due to delinquent payments this involuntary repossession will be reported to the credit bureaus and will impact your credit score.

To clear your record, try negotiating with the lender to recover the item by paying all or part of the delinquent amount. The lender may negotiate because the property has depreciated, and it is in their best interest to collect the remainder from you. If your property is returned, making on time payments will help recover your credit score. Be aware that the lender may no longer wish to deal with you because you are deemed a poor credit risk.

There is a myth that if you choose to surrender the property, voluntary repossession, there will be less of an impact on your credit score. Voluntary and involuntary repossessions have the same negative impact on your credit score.

If you need to have your record expunged

Expungement is the process of “removing information about a case from court and law enforcement records,” according to the Maryland State Archives. Having your record expunged will increase your job opportunities. The list of charges that are eligible for expungement differs by state.

In Maryland the misdemeanors - drug possession, prostitution, theft and assault in the second degree may be expunged after a certain amount of time. The felonies of possession with intent to distribute or dispense a controlled dangerous substance, burglary in the first, second or third degree and felony theft may also be expunged after a period of time.

AFRO finance tips and tidbits

By AFRO Staff

In honor of National Financial Capability month, the AFRO reached out to staff members for tips and tricks on how to maintain personal funds. Read the excerpts below for suggestions on achieving success when it comes to managing your money.

Finance advice for different age groups

By Bonnie Deanes, AFRO Finance Manager

Children:

Teach kids how to set goals on items that they want and contribute a portion of gift money and earned allowance towards the item cost. Make it a “matching” opportunity, where the parent contributes the same dollar amount as the child. It is a great source of encouragement!

Teens:

Teach the difference between wanting and needing to spend money. Parents can negotiate terms and agree to match savings for items their teen wants- just be sure to stick to it! Open a bank account and teach basic banking skills.

Young Adults:

Encourage young adults to start a retirement program (401k, 403b, etc) with an amount that they won’t miss each payroll. For guidance, base the minimum amount you want to save each month on the average amount you would spend on a night hanging out with friends or the cost of ordering lunch for a week. Really, the amount can’t be too small– just get it going and it will build. Try to commit to increasing the amount each time your salary increases.

Adults:

Ok…you are all the way GROWN! You work and can spend money any way you please with much attitude.

Be smarter with impulse buying. Do research on an item’s purpose, price and quality– or at least build in a 48hour cooling off period on purchases more than a certain threshold. Set a spending limit for purchases, with categories for items such as clothing, electronics, furniture and vehicle costs. Remember you don’t have to have it just because you can buy it. Be true to yourself and don’t let envy take you on a trip to Broke Town!

Simplify your life in the same mindset as others who practice minimalist lifestyle. Make your purchases meaningful– not just to own more stuff. Be wise and spend your money on experiences with those you cherish the most. Material items are temporary. Your most valuable quality is your time and experiencing life.

These are the many conversations I had with my dad, Robert L. Stanley, who worked to repair the printing presses for the AFRO in the 50s. I wish I would have followed them all.

Save, save, save

Denise Dorsey, AFRO Production Manager

Start saving while you’re young, you won’t regret it when you’re older! Be wise on how you spend your money–everything that’s new or the “latest and greatest” isn’t right for you.

Make your money work for you

Craig Talley, AFRO Media Sales Consultant

The finance mantra that I try to remember is something I heard from Myron Golden, a business consultant, best selling author and marketing consultant.

Golden reminds us that we have to understand the purpose of money! He believes that low-income earners “think the purpose of money is to pay bills. That’s why they’re always broke!” He says that Americans in the middle class “think the purpose of money is to save a little money, pay their bills on time so they can have a great credit score, to buy things they can’t afford,” while top earners around the world “understand that the primary purpose of money is to make more money! They learn to have their money go to work for them,” meaning they invest their earnings.

“It’s not that we don’t make enough money, but rather, we don’t make it fast enough,” says Golden.

Additionally, if you were convicted of a crime and the law has now changed, you may be eligible for expungement. Contact Maryland Courts Help Center for help with filing. The website includes links to fillable forms. Be sure that you have all of the case details including – case numbers, law enforcement agency (who served the warrant or arrested you), specific charges, and disposition of the case. There is a $30 non-refundable fee when filing for expungement of charges for which you were found guilty. You may request a fee waiver if you are unable to pay.

If you have several outstanding bills to pay

There are multiple ways to pay down debt. According to information released by Wells Fargo, “the ‘snowball method,’ simply put, means paying off the smallest of all your loans as quickly as possible.” Another method, ‘the avalanche’ begins by paying off the bill with the highest interest rate first. The avalanche method saves more money because you get rid of compounding high interest.

Maintaining good financial health can be a complicated task if you have an eviction or a criminal offense on your record, but there are ways to come back from a money mistake! Expungement, financial counseling and negotiating old tax bills are all steps in the right direction!

Let the Bible be your guide

Nicole Batey, Special to the AFRO

One financial rule I live by is based on Malachi 3:10-11, give God His [tithe] first! Time and again, He has made a way for me, showering me with blessings on blessings and favor. He is faithful to His Word!

More money, more problems

Diane Hocker, AFRO Director of Community and Public Relations

Start saving early: Set up an automatic deduction from your paycheck that is automatically deposited into a savings account. Initially it will be painful but after a while, you won’t miss the money and it will grow over time.

Make a budget: Creating a budget is important in managing your finances and identifying where you can cut back on spending. It’s not easy to stick to the budget especially when you see those shoes you must have.

Avoid debt: In addition to student loans, credit card debt can become overwhelming and you may think it’s free money. WRONG. Avoid taking on more debt than you can handle. Go after the smaller balances and pay off debt as quickly as possible. This will also increase your credit score.

Tithing: I believe 10 percent of your gross income should be given to your church or any non-profit organization. The bottom line is that 10 percent should go to God–that is your tithe; pay yourself and avoid as much debt as possible without drowning.

The statements in this article were edited for clarity.

Photo by Towfiqu barbhuiya on Unsplash

Lessons learned the hard way

Ben Phillips, President of the AFRO - American Newspapers

Steer away from credit cards altogether if possible and especially credit cards with high-interest rates.

If you need to utilize a credit card only charge as much as you can afford to pay off the charges each month to avoid any interest charges. If you do have a credit card that cannot be paid off every month, try to use the one with the lowest interest rate to keep your payment and interest rate down to a minimum. If you happen to have multiple credit cards, work to pay them down and eliminate the debt completely. You can also explore the option to consolidate multiple credit bills into one payment with low interest.

Leaning in on entrepreneurship

Small businesses and entrepreneurs are vital to thriving communities in Washington, D.C. and around the United States.

At JPMorgan Chase, we are taking actions to support business owners and entrepreneurs in Black, Latino and Hispanic communities by:

• Providing additional loans

• Increasing access to coaching, technical assistance and capital

• Building on our supplier diversity efforts through additional spending with Black, Latino and Hispanic suppliers

Learn more at jpmorganchase.com/racialequity

The Harbor Bank of Maryland remains committed to serving Greater Baltimore’s Black communities

By Megan Sayles AFRO Business Writer msayles@afro.com

The Harbor Bank of Maryland (Harbor Bank), headquartered in Baltimore, opened its doors back in 1982 with $2.1 million in assets. After more than 40 years, the institution stands today as a pillar in the Greater Baltimore Black community with nearly $321 million in assets.

The institution was created to combat the inequalities that African Americans were experiencing in the mainstream banking system, some of which still exist today.

“One of the great things about Harbor Bank is it was born out of a need. The work that we’ve always done has resulted from our clients and the communities who we serve literally asking for us to be there to provide products and services that they couldn’t readily access,” said John Lewis, president and CEO of Harbor Bank. “At the time of Harbor Bank’s establishment, [African Americans] did not have broader participation and access into mainstream financial services.”

As it’s grown, Harbor Bank has expanded its branch footprint across Greater Baltimore and even opened a loan office in Silver Spring.

Although capital access has historically been a challenge to the bank, it’s raised nearly $80 million in capital over the last two years, a feat Lewis attributed to further investment in Baltimore and greater understanding of the importance of minority depository institutions. More recently, the firm opened a new branch in the newly renovated Northwood Commons shopping center. Harbor Bank also provided $20 million in tax credits for the redevelopment of the plaza.

Feb.1994

June 1994

Aside from expanding its reach, Harbor Bank has used its Community Development Corporation (CDC) to strengthen financial education in entrepreneurs and small businesses, as well as in Baltimore youth.

“You’ll see our bankers appearing at local schools and talking about financial literacy to children. We often have youth groups that come into the building, and we will talk to them about banking, savings, investments and, ultimately, what wealth creation looks like in our communities,” said Lewis.

The bank earned its spot in the hearts of Black Baltimoreans long ago, with co-founder Joseph Haskins Jr. in the role of chairman of the board and chief executive officer. Haskins stepped down on April 3 as the longest serving bank CEO in Maryland, with more than four decades of service. Under his leadership, the company became known for youth essay contests and initiatives within the Black Church community, outside of their regular financial offerings and services. “I think it’s very important that we work with children on the foundations of financial literacy. Even the smallest children can start to understand. Building healthy habits throughout their lives is very important.”

For rising real estate professionals, Harbor Bank CDC runs the Emerging Developer Program, helping small developers address capacity challenges and master the fundamentals of real estate development.

The Joseph Haskins Jr. Center for Community Economic Development provides a hub for business speaker series, financial literacy workshops and coworking space for local entrepreneurs.

According to Lewis, banking at its core is simply about relationships. If communities don’t feel connected and comfortable with their bankers, they are unable to truly benefit from working with them.

“It’s the relationships that unlock the potential to do amazing things, and if you think about the historical experience of African Americans and banks with redlining and discrimination, those things challenge trust and the depth of those relationships,” said Lewis. “When somebody walks in our door, I know that they are expressing their hopes and dreams to me— whether we’re talking about buying a house, buying a commercial property or starting a business. It’s incredibly meaningful to them and what they’ll do in the rest of their lives.”

Megan Sayles is a Report for America Corps member.

Over the years, the AFRO-American Newspapers has consistently covered the progress of the Harbor Bank of Maryland. Check out more on the institution’s history in the AFRO Archives Vault online at AFRO. com/archives, or look in the research section for Maryland Papers on the Enoch Pratt Free Library’s website at PrattLibrary.org.

July 1995

June 2003

“I think it’s very important that we work with children on the foundations of financial literacy. Even the smallest children can start to understand. Building healthy habits throughout their lives is very important.”

Photo courtesy of Camera Ready

John Lewis is the CEO and president of Harbor Bank. The financial institution has served the Greater Baltimore area for 40 years.

Reparations: experts compute hundreds of billions owed to Black Californians

By Antonio Ray Harvey Oakland Post

Economists advising

The California Task Force to Study and Develop Reparations Proposals for African Americans have developed economic formulas that project the reparations owed to Black Californians who are descendants of people enslaved in the United States are likely to exceed $800 billion.

Three of five harms were used in the calculations conducted by a five-member panel of economic experts: health, disproportionate housing discrimination and Black mass incarceration and over-policing are “from a long list of harms” the state “is a least partially responsible for,” said Dr. Thomas Craemer, a professor of public policy at the University of Connecticut and one of the experts involved in the assessment.

Craemer spoke at the task force’s 14th meeting held in Sacramento on March 29 and 30. The figures also applies to forebears who survived legal segregation, Jim Crow discrimination and other social and economic injustices.

“These are harms for which we thought that

we’d have data, that’s one criterion,” said Craemer.

“The other is that they are closely related to the actions of the state of California to make our estimates more defensible in the face of challenges that will undoubtedly arrive once the proposal is made public.”

The economic experts’ analysis and final recommendations for the Task Force regarding calculations of reparations and forms of compensation and restitution were presented by Craemer and Dr. William Spriggs.

Spriggs appeared remotely in front of the task force.

He is the former chair of the Department of Economics at Howard University. He now serves as chief economist to the AFL-CIO.

The health harm calculations were determined by the annual loss to “Black, non-Hispanic Californians” from health disparities by computing the 7.6 year-life expectancy gap based on the Value of Statistical Life in the United States.

“That is what statisticians use to evaluate how much each individual places value on their life,” Craemer said. “We then divide the value associated with the gap by the average Black, non-Hispanic Californian

expectancy of 71 years to obtain an annual estimate of the loss to Black, nonHispanic Californians from health disparities.”

The experts use the Black non-Hispanic Californian category because they didn’t have a U.S. Census count available for Black Californians who can trace their ancestors back to slavery in the United States.

Black mass incarceration and over-policing calculations were derived from how many Black, nonHispanic Californians were arrested for drug felonies above the population percentage during the “War on Drugs” from 1970 to

2020.

It was multiplied by the average prison term for drug offenses and by the average annual California State employee wages to arrive at the estimated total owed to Black Californians who qualify for reparation payments.

Housing discrimination was determined by calculating the average of the Black non-Hispanic Californian wage gap for 1930, 1980, 2019. The amount gave the experts the wealth disparity from all forms of housing discrimination, Craemer said.

“I should mention that what we are estimating is

not reparations. What we are estimating are losses to the African-American descendants of slaves in the United States,” Craemer said. “Our calculations could be used to come up with determinations of reparations but it’s not necessarily

by eminent domain and devaluation of Black businesses — are not readily available in the calculation model because of lack of data, Craemer said. The 1980 amount minus the 1930 amount provides an estimate of the effect of redlining only. Task Force chairperson and Los Angeles attorney Kamilah V. Moore said some published news headlines have put out misinformed information about the experts’ final calculations.

“The task force has yet to determine a final amount,” Moore said.

The numbers are not concrete, leaving room for the members of the task force to evaluate, modify, or eliminate any of the experts’ findings. Spriggs said the experts are still in “deliberations.”

identical. The task force can go above and beyond because how some losses are framed (is) difficult to estimate.

(Such as) pain and suffering.”

The last two atrocities – unjust property taken

“I think it’s improper to prejudge what precise number we may recommend, but we’re only giving you expert advice on these specific harms. The task force has full latitude to ignore it, to add it, or take into consideration addressing tangible harms,” Spriggs added.

This article was originally published in BlackPressUSA.

“I should mention that what we are estimating is not reparations. What we are estimating are losses to the AfricanAmerican descendants of slaves in the United States.”

The state of California is seeking to back pay African American families for contributions made during slavery. Shown here, California Reparations Task Force members, from left to right: Dr. Cheryl Grills, Dr. Jovan Scott Lewis, and Civil Rights Attorney Lisa Holder at the 14th meeting in Sacramento, California, on March 29.

Photo courtesy of Antonio Ray Harvey

Are you a Facebook user? You could get some settlement cash

By Barbara Ortutay Associated Press

Anyone in the U.S. who has had a Facebook account at any time since May 24, 2007, can now apply for their share of a $725 million privacy settlement that parent company Meta has agreed to pay.

Meta is paying to settle a lawsuit alleging the world’s largest social media platform allowed millions of its users’ personal information to be fed to Cambridge Analytica, a firm that supported Donald Trump’s 2016 presidential campaign.

It’s not clear how much money individual users will receive. The larger the number of people submitting valid claims, the smaller each payment will be since the money has to be divided among them.

To apply for the settlement, users can fill out a form and submit it online, or print it out and mail it. More information

can be found at facebookuserprivacy settlement.com. The case sprang from 2018 revelations that Cambridge Analytica, a firm with ties to Trump political strategist Steve Bannon, had

paid a Facebook app developer for access to the personal information of about 87 million users of the platform. That data was then used to target U.S. voters during the 2016 campaign that

culminated in Trump’s election as the 45th president.

Uproar over the revelations led to a contrite Zuckerberg being grilled by U.S. lawmakers and spurred calls for people to

delete their Facebook accounts.

Facebook’s growth has stalled as more people connect and entertain themselves on rival services such as TikTok, but the social network still boasts

more than 2 billion users worldwide, including an estimated 250 million in the U.S.

This story was originally published by the Associated Press.

Expert financial advice from T. Rowe Price for Financial Literacy Month

By T. Rowe Price

At a time when many Americans are concerned about managing financial priorities, T. Rowe Price sees Financial Literacy Month as an opportunity to share key tips that encourage planning with confidence.

T. Rowe Price has provided expert advice on planning for a successful financial future.

“Building confidence in your level of financial knowledge doesn’t have to be a daunting task,” said Roger Young, CFP, Thought Leadership Director at T. Rowe Price.

“Starting with the basics can go a long way toward securing a promising future.”

Young offers these tips:

1. Aim to save at least 15 percent of your income for retirement. Saving 15 percent or more of your income can help you maintain your current lifestyle in retirement.

financial goal should be the top long-term priority for most people.

Baltimore-based global investment management firm

Since retirement may last 30 years or longer, this

2. Regularly monitor your progress. Retirement saving benchmarks are a simple way to assess whether you are on track. Those benchmarks compare how much you have saved for

retirement with your current income and consider life factors such as marital status and how close you are to retirement age.

3. Stick to a longterm investment plan. While it can be tempting to react to market volatility, maintaining a healthy exposure to stocks gives you growth

potential to meet your long-term goals.

4. Protect your loved ones’ financial future. It’s never too early to create an estate plan and review insurance such as life and disability coverage.

If you’re approaching retirement, consider delaying Social Security benefits

to provide more income to a surviving spouse.

5. Consider seeking advice from a professional. In addition to offering guidance and support, an advisor can help you learn and gain confidence in your financial knowledge.

This article was originally published by T. Rowe Price.

While it can be tempting to react to market volatility, maintaining a healthy exposure to stocks gives you growth potential to meet your longterm goals.

When it comes to retirement, investing, planning and tracking your savings is a crucial step towards financial success.

Photo by Precondo CA on Unsplash

Due to a personal information leak, Meta, the parent company of Facebook, is now giving payouts from a $725 million privacy settlement.

Courtesy Photo

of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 7, 2023. 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 OCTOBER 7, 2023 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 publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: APRIL 7, 2023

Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers HASAN SEAN DELMARR Personal Representative TRUE TEST COPY REGISTER OF WILLS 4/7, 4/14 ,4/21/23

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2023ADM000297

CARLTON ROBERT MCROY, SR. Name

of its publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: APRIL 7, 2023

Name of newspaper and/or periodical: Washington Law Reporter

AFRO American Newspapers

DORIS L MCROY Personal Representative

TRUE TEST COPY REGISTER OF WILLS 4/7, 4/14 ,4/21/23

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2023ADM000305

EPPER S. ORGAN, JR. AKA

EPPER STEPHEN

is 4317 CLAGETT PINEWAY, UNIVERSITY PARK, MD 20782 was appointed Personal Representative of the estate of MARTHA MARION HILL PARKER AKA MARTHA HILL PARKER who died on DECEMBER 17, 2021 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 shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 7, 2023. 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 OCTOBER 7, 2023 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 publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: APRIL 7, 2023

Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

CHRISTPHER LEE PARKER Personal Representative TRUE TEST COPY REGISTER OF WILLS 4/7, 4/14 ,4/21/23

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2023ADM000279

CHRISTOPHER DEON POWELL

Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

FREDA MOBLEY-POWELL, whose address is 143

IVANHOE ST. S.W APT. 101 WASHINGTON D.C.

20032 was appointed Personal Representative of the estate of CHRISTOPHER DEON POWELL who died on DECEMBER 18, 2022 without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 7, 2023. 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 OCTOBER 7, 2023 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 publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication:

APRIL 7, 2023

Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers FREDA MOBLEY-POWELL Personal Representative TRUE TEST COPY REGISTER OF WILLS 4/7, 4/14 ,4/21/23 IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000406 L(RP) Magistrate Judge Calendar# THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V. ABDULRAHMAN H AL-SAEED

assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including

of

proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0071 Suffix: Lot: 2008 which may also be known as ”1177 22ND ST NW #2A, WASHINGTON, DC 20037. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 24th day of January, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 24th day of May 2023,and redeem the Real Property by payment of $8263.08, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W. Demson Esq. Clerk of the Court

4/14,4/21,4/28/23

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY

Civil Action No. 2023-CAB-000418L(RP) Magistrate Judge Calendar# THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642

Plaintiff, V. AMHED AL-SAID 1177 22ND ST NW #2B WASHINGTON, DC 20037

And (for D.C. Code 47-137(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also: District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001

And ALL OTHER PERSONS THAT HAVE OR CLAIM

TO HAVE ANY INTEREST IN REAL PROPERTY, 1177 22ND ST NW #2B, WASHINGTON DC 20037, SQUARE: 0071 SUFFIX: LOT: 2009

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1177 22ND ST NW #2B, WASHINGTON, DC 20037, Square 0071, Suffix: Lot: 2009 assessed to the owner of record listed above, Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0071 Suffix: Lot: 2009 which may also be known as ”1177 22ND ST NW #2B, WASHINGTON, DC 20037. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 24th day of January, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 24th day of May 2023,and redeem the Real Property by payment of $8141.19, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

IN

PROPERTY Civil Action No. 2023-CAB-000421L(RP) Magistrate Judge

And (for D.C. Code 47-137(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also:

District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001

And ALL OTHER PERSONS THAT HAVE OR CLAIM

TO HAVE ANY INTEREST IN REAL PROPERTY, 200 M ST SW #36 WASHINGTON, DC 20024, Square: 0546 Suffix : Lot: 2036

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 200 M ST SW, #36 WASHINGTON, DC 20024 Square 0546, Suffix: Lot: 2036 assessed to the owner of record listed above, Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0546 Suffix: Lot: 2036 which may also be known as ”200 M ST SW #36 WASHINGTON, DC 20024. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order

Number 02-11, it is this day 25TH day of March 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 21st day of JUNE 2023,and re-

Payment Policy for legal notice advertisements.

Effective immediately, The Afro American Newspapers will require prepayment for publication of all legal notices.

Payment will be accepted in the form of checks, credit card or money order. Any returned checks will be subject to a $25.00 processing fee and may result in the suspension of any future advertising at our discretion.

The City of Baltimore Office of Boards and Commissions has been requested by the Department of Public Works, Office of Engineering & Construction, to advertise for engineering firms to provide Program Management Services for the City’s Drainage Improvement Program and the Municipal Separate Storm Sewer System (MS4) Permit Program. The City needs these program management services to provide a broader, more integrated approach to the City stormwater infrastructure management and to meet or exceed the City’s annual goals for the MS4 permit. The program will address various planning, design, construction, scheduling, and the associated maintenance activities required to meet these goals and improve surface water quality. The City intends to select the services of one (1) firm only.

The firms interested in providing these services must demonstrate and document:

1. Experience in providing Program Management services for the development and implementation of watershed implementation plans, Environmental Restoration projects, preferably relating to stream restoration, Best Management Practices (BMP), scope development, design review, utility coordination, agencies coordination, quality control, estimating, specifications development, permitting and preparation of construction documents.

2. Experience in providing Program Management services for the development and implementation of Drainage Improvement Projects.

3. Experience in responding to storm water system and open channel emergencies by rapidly assessing situations and recommending corrective measures.

4. Experience and expertise in economizing the cost of providing Program Management services without sacrificing the design quality and construction schedules.

5. Experience and expertise in overall Capital Improvement Plan (CIP) planning, prioritizing, and minimizing project costs.

6. Experience in a document control system for all documents including design submittal, review comments, schedules monitoring or design progress, Request for Information, as-built drawings, updating Geographical Information System, etc.

7. Demonstrate strong QA/QC skills in areas such as risk assessment on projects, cost control, value engineering on the deliverables, seamless design deliverables integration with electronic plat and as-built documentation system, etc.

8. Project construction supervision of MS4 BMP and storm drain improvement projects.

9. Experience in program management of Municipal Chesapeake Bay TMDL plan implementation through staff augmentation.

10. Experience in research technical writing and interagency communication on MS4 topics and storm drain projects.

11. Experience in invasive vegetation management regulation and specifications.

12. Experience in facilitating inter-agency MS4 program collaboration and streamlining and an agency capacity buildup of MS4 projects and storm drain improvements.

13. Experience in the coordination of a multi-disciplined team including Minority and Women Business Enterprises and demonstrated manpower availability to complete the project based on a quantitative schedule. The scope of services will include but not be limited to:

1. Program Management Services including prioritizing, scheduling, monitoring, managing, and reviewing all projects designed and proposed.

2. Coordinate project implementation with the City departments, utilities, and other agencies to minimize city-wide disruptions and reduce construction costs.

3. Streamline design approach including design standardization and Standard Operating Procedure (SOP) creation to increase design efficiency and reduce overall costs.

4. Provide field assessments of a stream segment, an existing BMP, or a storm drain system on an as-needed basis. Provide alternate solutions and biddable documents on an as-needed basis.

5. Assist the City in providing information to the City Agencies, citizens, or any other interested entities relating to the City’s MS4 permit program and individual projects/contracts.

CITY OF BALTIMORE

The Chief of the Transportation and Construction Engineering Division, designee of the Director of the Baltimore City Department of Transportation, will be in his office, Room 500 Charles L. Benton Jr. Building, 417 E. Fayette Street, Baltimore, Maryland 21202 on April 28, 2023 from 10:00 A.M. until 12:00 noon for the purpose of hearing and cnsidering protest and to explain matters in connection with reestablishing the grade of the following private streets and alleys as shown in the plans for Developer’s Agreement No.1875

This includes:

1. Fait Ave: Beginning from S. Haven St., then East to Amadeus Court.

2. Amadeus Court: Beginning from Hudson St., then North and ending in a dead end.

3. Hudson St.: Beginning from S. Haven St., then East to Amadeus Court.

4. Alley “A”: Beginning from Hudson St., then North and ending in a dead end.

Bimal Devkota P.E., Chief Transportation Engineering and Construction Division

Corren Johnson, Director Department of Transportation

NOTICE

PROTEST OF RENEWAL

Under the provisions of Alc. Bev. Art. §4-406 and 12-1805 an alcoholic beverage license may not be renewed without a hearing when a valid petition for protest of renewal has been filed against the renewal application of the license. All hearings concerning protest of renewal will be held in Room 215 of City Hall, 100 N. Holliday Street. If you wish to confirm a hearing date or time, you may contact the Liquor Board at (410) 3964380. All persons entering City Hall must have photo identification.

The Liquor Board has received four (4) valid petitions for protests of renewal from community residents. Below see the schedule of public hearings concerning the renewal of the following licenses as listed below:

April 27, 2023 – Room 215, City Hall, 100 N. Holliday Street

Protested by the Community

10:00 AM – Mohammad Manocheh, Fisherman’s Wharf Inner Harbor, Inc., T/a Mo’s Fisherman’s Wharf, 219 President Street Class “B” Beer, Wine & Liquor License

10:30 AM – Julieanna McGuire, Sangria, LLC, T/a Sangria, 930 N. Charles Street Class “B” Beer, Wine & Liquor License

11:00 AM – Todd Sajavskas, Lithuanian Hall Association, Inc., T/a Lithuanian Hall Association, 851-53 Hollins Street Class “C” Beer, Wine & Liquor License

11:30 AM – Sherice M. Haywood and Parminder Singh, Gurjas, LLC, T/a Fayette Liquor Plus, 1434 E. Fayette Street Class “A” Beer, Wine & Liquor License NOTICE

PROTEST OF RENEWAL

Under the provisions of Alc. Bev. Art. §4-406 and 12-1805 an alcoholic beverage license may not be renewed without a hearing when a valid petition for protest of renewal has been filed against the renewal application of the license. All hearings concerning protest of renewal will be held in Room 215 of City Hall, 100 N. Holliday Street. If you wish to confirm a hearing date or time, you may contact the Liquor Board at (410) 3964380. All persons entering City Hall must have photo identification.

The Liquor Board has received four (4) valid petitions for protests of renewal from community residents. Below see the schedule of public hearings concerning the renewal of the following licenses as listed below:

April 27, 2023 – Room 215, City Hall, 100 N. Holliday Street

Protested by the Community

10:00 AM – Mohammad Manocheh, Fisherman’s Wharf Inner Harbor, Inc., T/a Mo’s Fisherman’s Wharf, 219 President Street Class “B” Beer, Wine & Liquor License

10:30 AM – Julieanna McGuire, Sangria, LLC, T/a Sangria, 930 N. Charles Street Class “B” Beer, Wine & Liquor License

11:00 AM – Todd Sajavskas, Lithuanian Hall Association, Inc., T/a Lithuanian Hall Association, 851-53 Hollins Street Class “C” Beer, Wine & Liquor License

11:30 AM – Sherice M. Haywood and Parminder Singh, Gurjas, LLC, T/a Fayette Liquor Plus, 1434 E. Fayette Street Class “A” Beer, Wine & Liquor License

Brian Schwalb, Attorney General Washington, DC 20001

And ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY, 1739 Q ST NW #6 WASHINGTON, DC 200092407, Square: 0155 Suffix: Lot: 2396

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1739 Q ST NW #6 WASHINGTON, DC 20009-2407, Square: 0155 Suffix Lot: 2396 assessed to the owner of record listed above, Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0155 Suffix: Lot: 2396 which may also be known as ”1739 Q ST NW #6 WASHINGTON, DC 20009-2407. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 24th of January 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 24th day of MAY 2023,and redeem the Real Property by payment of $5478.44, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W. Demson Esq. Clerk of the Court 4/14,4/21,4/28/23

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000424

Magistrate Judge Calendar#

And All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 2001 16th ST NW #708 WASHINGTON DC 20009,

Square 0188 Suffix: S Lot: 2057 assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375

(2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action:

Square: 0188 Suffix: S Lot: 2057 which may also be known as ”2001 16TH ST NW #708, WASHINGTON, DC 20009. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 25th of January 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three

(3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 24th day of MAY 2023,and redeem the Real Property by payment of $4674.85, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W. Demson Esq. Clerk of the Court 4/14,4/21,4/28/23

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY

Civil Action No. 2023-CAB-000425 L(RP) Magistrate Judge Calendar# THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V.

DENISE

L H PARKER & DELORES J & BENJAMIN F HOWELL 1235 E ST NE WASHINGTON, DC 20002

And (for D.C. Code 47-137(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also:

District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001

And ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY, 1235 E ST NE, WASHINGTON, DC 20002, Square: 1008, Suffix: Lot: 0198,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and prASWESSemises, situate, lying and being in the District of Columbia described as 1235 E ST NE, WASHINGTON DC 20002, Square: 1008, Suffix: Lot: 0198 assessed to the owner of record listed above,

Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 1008 Suffix: S Lot: 0198 which may also be known as ”1235 E ST NE, WASHINGTON, DC 20002. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 25TH of January 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 25th day of MAY 2023, and redeem the Real Property by payment of $27824.22, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting

And (for D.C. Code 47-137(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also:

District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001

And

ALL OTHER PERSONS THAT HAVE OR CLAIM

TO HAVE ANY INTEREST IN REAL PROPERTY, 1344 NORTH CAROLINA AVE NE, WASHINGTON, DC 20002, Square: 1034 Suffix: Lot: 0807,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1344 NORTH CAROLINA

AVE NE WASHINGTON DC 20002, Square 1034

Suffix: Lot: 0807 assessed to the owner of record listed above,

Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 1034 Suffix: Lot: 0807 which may also be known as ”1344 NORTH CAROLINA AVE NE, WASHINGTON DC 20002. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 25TH of January 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 31st day of MAY 2023, and redeem the Real Property by payment of $3376.41, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO.

2023ADM336 GARCIA BRUCE BUTLER Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

GIAVANNA B PITTS, whose address is 911 5TH STREET NE, WASHINGTON, DC 20002 was appointed Personal Representative of the estate of GARCIA BRUCE BUTLER who died on APRIL 5, 2021 without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 14, 2023. 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 OCTOBER 14, 2023 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 publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: APRIL 14, 2023

Name of newspaper and/or periodical:

Washington Law Reporter

AFRO American Newspapers

GIAVANNA B PITTS Personal Representative TRUE TEST COPY REGISTER OF WILLS

MARBLEY whose address is 4350 GORMAN TERRACE, S. E., WASHINGTON, D.C. 20019 was appointed Personal Representative of the estate of SOPHIA C. MARBLEY who died on MAY 18, 2015 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 shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 14, 2023. 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 OCTOBER 14, 2023 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 publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: APRIL 14, 2023

Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers GWENDOLYN M. MARBLEY Personal Representative TRUE TEST COPY REGISTER OF WILLS 4/14,

DC 20009,

Supreme Court’s latest decision on student loans brings relief to some

By Bria Overs Word in Black

For some borrowers nationwide, student loan payments may soon be a thing of the past. That’s because recently, the Supreme Court declined to block a class action lawsuit against predatory for-profit colleges and vocational schools. The decision allows a nearly $6 billion legal settlement to move forward and allows the cancellation of student loans for thousands of borrowers who previously claimed their schools misled them.

The settlement, which stems from a class-action case, was filed in 2019 and specifically targeted Everglades College, Lincoln Educational Services Corp., and American National University. These schools argued they were unfairly included in the list of about 150 schools alleged with wrongdoing, many of which were for-profit. Everglades College is a not-for-profit.

Other colleges include Corinthian Colleges, Inc.,

ITT Technical Institute, and more.

This settlement is important for Black and Latino folks, who are more likely to be targeted by for-profit schools through predatory practices and redlining. Areas considered majority-Black were “over 75 percent more likely to have a for-profit college,” according to the Student Borrower Protection Center.

Student loan debt is an issue for the Black community because of its impact on the ability to reach major financial milestones, such as starting a business or buying a home. The unbalanced amount of student loan debt that affects Black borrowers was cited many times in the White House’s fact sheet on the issue.

As of 2022, Americans owe $1.75 trillion in student loans. Black folks with bachelor’s degrees “have an average of $52,000 in student loan debt,” according to the Education Data Initiative.

In the case of for-profit schools, the Brookings Institute found in 2021 that for-profit colleges enroll about 10 percent of students nationally, and those students account for half of all student loan defaults. They’re also

more likely to borrow federal loans compared to students at four-year public colleges.

In March 2021, the Department of Education under the Biden administration forgave $1 billion in

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federal student loans for 72,000 borrowers who were students of for-profit colleges.

Borrowers continue to wait for a decision from the Supreme Court on the larger loan forgiveness program that would affect

more than 40 million people and wipe out more than $400 billion in student loan debt.

This article was originally published by Word In Black.

Students who attended for-profit colleges can expect to receive loan forgiveness after the nation’s highest court allows a settlement to move forward.

Photo by Claire Anderson on Unsplash

Contract nurses enter debate over economic protections for gig workers classified as independent contractors

By Edward Henderson California Black Media

McKenzie Young is a traveling nurse from California who works in Hawaii. She gets placements through an agency that connects her to temporary jobs around the state and country. Her assignments can last anywhere from a couple of weeks to months at a time.

When Young returns to the mainland, she plans to sign up on a nursing placement app for shorter-term freelance nurses who get paid by picking up shifts at nearby medical facilities.

Currently, her gig in Hawaii pays Young by the hour. She gets medical insurance through the hospital to which she is assigned, and she opts to pay out-of-pocket for her own individualized retirement plan.

“If you can, do it smart…make sure you’re giving what you should and set up the accounts you need, I can put even more into my retirement because I’m making more,” Young said. “It’s hard going back to [being on] staff.”

Young says more nurses would opt for freelance work if they knew how flexible and lucrative it can be. And because there is a nursing shortage, she never has to worry about not finding temporary assignments.

As more nurses like Young enter the gig economy seeking higher pay rates and more control over their work schedules, some advocates assert that hospitals that contract nurses often misclassify them as independent contractors, a practice that comes with “tremendous legal and regulatory risks.”

“When workers are misclassified as independent contractors, there is a damaging domino effect that impacts all

levels of our economy. In this case, caretakers were systematically denied minimum wage, overtime and other legally required working conditions,” said California Labor Commissioner Lilia García-Brower.

Nurses have access to various apps that

through job options by scrolling or swiping until they find a suitable job, facility and working hours.

Within the spectrum of these healthcare staffing apps, some provide 1099 workers who are farmed out as independent contractors. Other companies like IntelyCare and ShiftMed hire healthcare staff as W-2 employees, who are eligible for benefits not accorded to 1099 workers.

On March 13, California Courts of Appeal Justices ruled that Proposition 22 (a 2020 ballot measure that allowed Lyft, Uber and other gig economy platforms to classify their workers as independent contractors rather than employees) is constitutional.

Executive secretary-treasurer of the California Labor Federation, Lorena Gonzalez Fletcher, issued a press release speaking out against the court’s decision.

“Today the Appeals Court chose to stand with powerful corporations over working people, allowing companies to buy their way out of our state’s labor laws and undermine our state Constitution,” Gonzalez Fletcher said. “Our system is broken. It would be an understatement to say we are disappointed by this decision.”

Gonzalez Fletcher, who, as an Assembly member authored Assembly Bill 5 (AB 5), which established stricter criteria for classifying workers as independent contractors rather than employees, has been a vocal supporter of legislation prohibiting companies from hiring freelance workers to avoid paying them benefits they are entitled to under California’s labor laws.

including sick and family leave, unemployment benefits, minimum wage and more.

With 36 percent of workers in the U.S. in the gig economy, the battle for these distinctions continues to rage on with both sides contesting court decisions made in the other’s favor.

This past year home healthcare placement agencies were fined $1.8 million by the California Labor Commissioner’s Office for misclassifying 66 workers.

Healthcare app-based staffing company CareRev was sued for misclassifying workers who signed up on the app as contractors. Advocates point out that the healthcare industry is more regulated than the rideshare industry.

“Any nurse who walks into a long-term care or memory care facility will have a long list of rules and protocols that need to be followed. They are often given access badges, a work schedule, a patient list, and time slots for medication, food, or exercise rotation,” reads a press release that advocates published describing how companies are benefiting from hiring contract nurses and not paying them the benefits that full-time employees must receive by law.

So far, no bill has been introduced in the California Legislature to regulate health care industry staffing apps, but advocates say the problems they are posing will hurt health care workers and the industry writ large.

“Misclassification opens the door for joint employer liability and legal wage and hour disputes,” advocates added in the press release.

help them find work. Just like dating apps, many of these apps enable users to browse

The distinction between being an employee and independent contractor is very important, advocates like Gonzalez Fletcher point out.

Employees have the ight to benefits

This article originally appeared in Post News Group.

Photo by Hush Naidoo Jade Photography on Unsplash

Contract nurses often take on all of the duties of a full-time nurse, but they do not receive the benefits of doing the same work due to their classification as independent contractors instead of employees.

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DC 20003, Square: 1072 Suffix: Lot: 0039, And

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000461 Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V. ELWOOD & CECELIA I HINES 1734 POTOMAC AVE SE WASHINGTON DC 20003

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001 and

ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY 1734

POTOMAC AVE SE WASHINGTON DC 20003, Square: 1102 Suffix: Lot: 0087,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1734 POTOMAC AVE SE WASHINGTON DC 20003, Square: 1102 Suffix: Lot: 0087, assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 1102 Suffix: Lot: 0087 which may also be known as “1734 POTOMAC AVE SE WASHINGTON DC 20003”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 26TH day of JANUARY, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 7 day of June 2023,and redeem the Real Property by payment of $6338.70, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W Dempson, Esq Clerk of the Court

4/14, 4/21,4/28/23

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000486

Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V.

1572 PALMBEACH LLC 4045 SHERIDAN AVE MIAMI BEACH FL 33140

Serve Also:

1572 PALMBEACHLLC 1100 4TH STREET SW CO. DCRA, SUPERINTENDENT OF CORP WASHINGTON, DC 20024

And REVERE BANK 319 MAIN ST LAUREL MD 20707

Serve Also: REVERE BANK 1100 4TH STREET SW CO. DCRA, SUPERINTENDENT OF CORP WASHINGTON DC 20024

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

STEVEN E ZELENAK: & MARY PAT FLEMING 319 MAIN ST LAUREL MD 20707

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and

MELLON LLC

W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V. THE LOFTS AT BRIGHTWOOD CONDO. UNIT OWNERS ASSOC. 5885 COLORADO AVE NW WASHINGTON DC 20011

Serve Also:

THE LOFTS AT BRIGHTWOOD CONDO. UNIT OWNERS ASSOC. 5832 GEORGIA AVE NW STE 405 WASHINGTON, MD 20011

THE LOFTS AT BRIGHTWOOD CONDO. UNIT OWNERS ASSOC.1428 U STREET NW 2ND FLOOR WASHINGTON DC 20009

THE LOFTS OF BRIGHTWOOD CONDO. UNIT OWNERS ASSOC. 1100 4TH STREET SW CO. DCRA, SUPERINTENDENT OF CORP WASHINGTON DC 20024

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001 and ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY 5832 GEORGIA AVE NW #C-2 WASHINGTON DC 20011, Square: 2937 Suffix: Lot: 2054, And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 5832 GEORGIA AVE NW #C-2 WASHINGTON DC 20011, Square: 2937 Suffix: Lot: 2054, assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 2937 Suffix: Lot: 2054 which may also be known as “5832 GEORGIA AVE NW #C-2 WASHINGTON DC 20011”.

The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 24 day of JANUARY, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of

LONGFELLOW STREET NW

310 WASHINGTON, DC 20011 WHITECROFT COOPERATIVE INC 1100 4TH STREET SW CO. DCRA, SUPERINTENDENT OF CORP WASHINGTON DC 20024 WHITECROFT COOPERATIVE INC

1301 LONGFELLOW STREET NW #307 CO. NANCYPARKER, REG. AGENT WASHINGTON DC 20011

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian

Schwalb, Attorney General Washington DC 20001 and ALL OTHER PERSONS THAT HAVE OR CLAIM

TO HAVE ANY INTEREST IN REAL PROPERTY 1301 LONGFELLOW ST NW #7 WASHINGTON DC 20011, Square: 2798 Suffix: Lot: 2001, And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1301 LONGFELLOW ST NW #7 WASHINGTON DC 20011, Square: 2798 Suffix: Lot: 2001, assessed to the owner of record listed above,

Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 2798 Suffix: Lot: 2001 which may also be known as “1301 LONGFELLOW ST NW #7 WASHINGTON DC 20011”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 24 day of JANUARY, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three

executors, administrators, grantees, assigns

successors in right, title, and interest and any

all persons having or claiming to have any inter-

including adverse possesion, in the leasehold

the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 5514 4TH ST NE WASHINGTON DC

20011-2626, Square: 3760 Suffix: Lot: 0013, assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375

(2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 3760

Suffix: Lot: 0013 which may also be known as “

5514 4TH ST NE WASHINGTON DC 20011-2626. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order

Number 02-11, it is this 27 day of JANUARY, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 31 day of MAY 2023, and redeem the Real Property by payment of $3441.77, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W Dempson, Esq Clerk of the Court 4/14, 4/21,4/28/23

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA

CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000506 Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000510 Magistrate Judge Calendar# THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V. CAPITOL SERVICES GROUP LLC 3786 CENTER WAY CO. FEDERICO MARQUEZ FAIRFAX VA 22033

Serve Also: CAPITOL SERVICES GROUP LLC 2110 VERMONT AVENUE, NW CO. FEDERICO MARQUEZ, REG. AGENT WASHINGTON, DC 20001

And CARSTENSZ FUND III, LLC 1307 DOLLEY MADISON BLVD #1A SUITE 1 MCLEAN VA 22101

Serve Also:

CARSTENSZ FUND III, LLC 1100 4TH STREET SW CO. DCRA, SUPERINTENDENT OF CORP WASHINGTON, DC 20024

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

MARK H WITTSTADT 1307 DOLLEY MADISON BLVD, STE 1 MCLEAN VA 22101

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian

Schwalb, Attorney General Washington DC 20001 and

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also: District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001 and ALL OTHER PERSONS THAT HAVE OR CLAIM

TO HAVE ANY INTEREST IN REAL PROPERTY 4201 CATHEDRAL AVE NW #394 WASHINGTON DC 20016-4901, Square: 1601 Suffix: Lot: 3237,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 4201 CATHEDRAL AVE NW #394 WASHINGTON DC 20016-4901, Square: 1601 Suffix: Lot: 3237, assessed to the owner of record listed above,

Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §471375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 1601 Suffix: Lot: 3237 which may also be known as “4201 CATHEDRAL AVE NW #394 WASHINGTON DC 20016-4901”.

The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 24 day of JANUARY, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 7 day of June 2023,and redeem the Real Property by payment of $2865.49, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W Dempson, Esq

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION ACTION INVOLVING REAL PROPERTY

Civil Action No. 2023-CAB-000436 L(RP)

CORP WASHINGTON DC 20024

And ISHARPE OPPORTUNITY INTERMEDIATE TRUST 370 HIGHLAND AVE STE 200 PIEDMONT CA 94611

Serve Also: ISHARPE OPPORTUNITY INTERMEDIATE TRUST 1100 4TH STREET SW CO. DCRA, SUPERINTENDENT OF CORP WASHINGTON DC 20024

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

DANIEL HUERTAS 2815 HARTLAND RD, STE 200 FALLS CHURCH VA 22043

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also: District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001 and ALL OTHER PERSONS THAT HAVE OR CLAIM

TO HAVE ANY INTEREST IN REAL PROPERTY 1811 KENDALL ST NE WASHINGTON DC 20002, Square: 4047 Suffix: Lot: 0827,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1811 KENDALL ST NE WASHINGTON DC 20002, Square: 4047 Suffix: Lot: 0827, as-

ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY 1107 QUEEN ST NE WASHINGTON DC 20002, Square: 4058 Suffix: Lot: 0131,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1107 QUEEN ST NE WASHINGTON DC 20002, Square: 4058 Suffix: Lot: 0131, assessed to the owner of record listed above, Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 4058 Suffix: Lot: 0131 which may also be known as

Magistrate Judge Calendar# THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642

Plaintiff, V. OPEN ARMS HOUSING INC 57 0 ST NW CO. Arthur Cutler, Reg. Agent WASHINGTON DC 20001

And DC Dept. of Housing and Community Development 1800 Martin Luther King Jr Ave SE Washington, DC 20020

And (for D.C. Code 47-137(b)(1)(F) purposes only)

Vonda J Orders 1800 Martin Luther King Jr Ave SE, 3rd Fl Washington DC 20020

And (for D.C. Code 47-137(b)(1)(F) purposes only)

DENA C REED 1800 Martin Luther King Jr Ave SE, 3rd Fl Washington DC 20020

And (for D.C. Code 47-137(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also:

District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001

And ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY, 1256 OWEN PL NE WASHINGTON DC 20002, Square: 4060 Suffix: Lot: 0252,

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1256 OWEN PL NE WASHINGTON DC 20002, Square: 4060 Suffix: Lot: 0252, assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §471375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this

Action: Square: 4060 Suffix: Lot: 0252 which may also be known as “1256 OWEN PL NE WASHINGTON DC 20002”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 26th day of January, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interest-

or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1017 FLORIDA AVE NE WASHINGTON DC 20002, Square: 0956 Suffix: Lot: 0038, assessed to the owner of record listed above, Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0956 Suffix: Lot: 0038 which may also be known as “1017 FLORIDA AVE NE WASHINGTON DC 20002”.

The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 21 day of MARCH, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 5 day of JULY 2023, and redeem the Real Property by payment of $22744.17, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or there-

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1725 COLUMBIA RD NW WASHINGTON DC 20009, Square: 2581 Suffix: Lot: 0283, assessed to the owner of record listed above,

Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 2581 Suffix: Lot: 0283 which may also be known as “1725 COLUMBIA RD NW WASHINGTON DC 20009”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 30 day of JANUARY, 2023,

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V. 2507 I ST. HOLDINGS LLC 1215 1ST ST NE # PHC WASHINGTON DC 20002

Serve Also: 2507 I ST. HOLDINGS LLC 1140 3RD ST NE SUITE 2152 CO. CHARLES PARET, REG. AGENT WASHINGTON, DC 20002 2507 I ST. HOLDINGS LLC 1100 4TH STREET, SW CO. DCRA, SUPERINTENDENT OF CORP. WASHINGTON DC 20024

And COLOMA RIVER CAPITAL LLC 1215 1ST ST NE # PHC WASHINGTON DC 20002

Serve Also: COLOMA RIVER CAPITAL LLC 1100 4TH STREET, SW CO. DCRA, SUPERINTENDENT OF CORP. WASHINGTON DC 20024

And

WCP FUND I LLC 2815 HARTLAND ROAD SUITE 200 FALLS CHURCH VA 22043

Serve Also: WCP FUND I LLC 1090 VERMONT AVE. NW CO. CORPORATION SERVICE CO., REG. AGENT WASHINGTON DC 20005

And

SF NU, LLC 1455 RESEARCH BLVD, STE 510 ROCKVILLE MD 20850

Serve Also:

SF NU, LLC 1100 4TH STREET, SW CO. DCRA, SUPERINTENDENT OF CORP. WASHINGTON DC 20024

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

DANIEL HUERTAS 2815 HARTLAND RD, STE 200 FALLS CHURCH VA 22043

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

RUSSELL S DRAZIN 4400 JENIFER ST, NW, STE 2 CO. PARDO & DRAZIN LLC WASHINGTON DC 20015

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also: District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY

Civil Action No. 2023-CAB-000585 Magistrate Judge Calendar# THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V. MORRIE PROPERTIES LLC 1301 20TH ST NW #206 WASHINGTON DC 20036

Serve Also: MORRIE PROPERTIES LLC 1629 K STREET, N.W. #300 CO. CORP. CREATIONS NETWORK INC., RES. AGENT WASHINGTON, DC 20006 MORRIE PROPERTIES LLC 1100 4TH STREET, SW CO. DCRA, SUPERINTENDENT OF CORP. WASHINGTON DC 20024

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian

Schwalb, Attorney General Washington DC 20001 and

ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY 1727 MASSACHUSETTS AVE NW #307 WASHINGTON DC 20036, Square: 0157 Suffix: Lot: 2290, And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1727 MASSACHUSETTS AVE NW #307 WASHINGTON DC 20036, Square: 0157 Suffix: Lot: 2290, assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0157 Suffix: Lot: 2290 which may also be known as “1727 MASSACHUSETTS AVE NW #307 WASHINGTON DC 20036”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 24 day of JANUARY, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 24 day of MAY , and redeem

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000526

Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642

Plaintiff, V.

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-000715

Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V.

JOHN L & SCOTT M WILLIAMS 475 K ST NW #810 WASHINGTON DC 20001

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also: District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001 and ALL OTHER PERSONS THAT HAVE OR CLAIM

Square: 0515 Suffix: Lot: 3091 which may also be known as “475 K ST NW #810 WASHINGTON DC 20001”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 6 day of FEBRUARY, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 31 day of MAY , and redeem the Real Property by payment of $9580.45, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W Dempson, Esq Clerk of the Court 4/21, 4/28, 5/5/23

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY

Civil Action No. 2023-CAB-000717

Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642 Plaintiff, V. MILDRED E WILLIAMS (FKA MILDRED E TORAIN) & SOLOMON WILLIAMS 814 12TH ST NE WASHINGTON DC 20002

Serve Also:

MILDRED E WILLIAMS (FKA MILDRED TORAIN) & SOLOMON WILLIAMS 5318 EAST CAPITOL STREET, NE WASHINGTON, DC 20019

And DC DEPT. OF HOUSING AND COMMUNITY DEVELOPMENT 1800 MARTIN LUTHER KING JR AVE SE WASHINGTON DC 20020

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

GEORGE O ACKERMAN 1800 MARTIN LUTHER KING JR AVE SE WASHINGTON DC 20020

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian

Schwalb, Attorney General Washington DC 20001

and

ALL OTHER PERSONS THAT HAVE OR CLAIM

TO HAVE ANY INTEREST IN REAL PROPERTY 814 12TH ST NE WASHINGTON DC 20002-4436, Square: 0981 Suffix: Lot: 0827,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 814 12TH ST NE WASHINGTON DC 20002-4436, Square: 0981 Suffix: Lot: 0827, assessed to the owner of record listed above, Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0981

Suffix: Lot: 0827 which may also be known as “814

12TH ST NE WASHINGTON DC 20002-4436”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 6 day of FEBRUARY, 2023, ORDERED by the Superior Court of the District of

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA

CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-1208

Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642

Plaintiff, V. SOFONIAS ASTATKE 2816 GEORGIA AVE NW WASHINGTON DC 2001

Serve also:

And

SOFONIAS ASTATKE 220 E 6TH STREET TUCSON, AZ 85705

MAINSTREET BANK INC. 10089 FAIRFAX BOULEVARD FAIRFAX VA 22030

Serve Also:

MAINSTREET BANK INC. 499 S CAPITOL ST SW CO. EDWARD CROSLAND, REG. AGENT WASHINGTON DC 20003

And ( for Maryland Annotated Code 14836(b)(1)(iv) purposes only)

THOMAS J CHMELIK & MELINDA BABSON 10089 FAIRFAX BOULEVARD FAIRFAX MD 22030

And ( for Maryland Annotated Code 14836(b)(1)(iv) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001 and

ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY 1149 NEAL ST NE WASHINGTON DC 20002, Square: 4065 Suffix: Lot: 0079,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1149 NEAL ST NE WASHINGTON DC 20002, Square: 4065 Suffix: Lot: 0079, assessed to the owner of record listed above, Defendants. ORDER OF PUBLICATION In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 4065 Suffix: Lot: 0079 which may also be known as “1149 NEAL ST NE WASHINGTON DC 20002”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order

lying and being in the District of Columbia described as 1012 URELL PL NE WASHINGTON DC 20017, Square: 3891 Suffix: Lot: 0117, assessed to the owner of record listed above, Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 3891 Suffix: Lot: 0117 which may also be known as “1012 URELL PL NE WASHINGTON DC 20017”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this 2 day of MARCH, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy of this Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 28 day of JUNE , and redeem the Real Property by payment of $3149.91, plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W Dempson, Esq Clerk of the Court 4/21, 4/28, 5/5/23

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA CIVIL DIVISION

ACTION INVOLVING REAL PROPERTY Civil Action No. 2023-CAB-1259 Magistrate Judge Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642

Plaintiff, V.

SOFONIAS ASTATKE 2816 GEORGIA AVE NW WASHINGTON DC 2001

Serve also:

SOFONIAS ASTATKE 220 E 6TH STREET TUCSON, AZ 85705

And MAINSTREET BANK INC. 10089 FAIRFAX BOULEVARD FAIRFAX VA 22030

Serve Also:

MAINSTREET BANK INC. 499 S CAPITOL ST SW CO. EDWARD CROSLAND, REG. AGENT WASHINGTON DC 20003

And ( for Maryland Annotated Code 14836(b)(1)(iv) purposes only)

THOMAS J CHMELIK & MELINDA BABSON 10089 FAIRFAX BOULEVARD FAIRFAX MD 22030

And ( for Maryland Annotated Code 14836(b)(1)(iv) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also: District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001 and

ALL OTHER PERSONS THAT HAVE OR

CLAIM TO HAVE ANY INTEREST IN REAL

PROPERTY 1153 NEAL ST NE WASHINGTON DC 20002, Square:

711 49TH STREET LLC 9701 APOLLO DR STE 100 CO. MIKHAIL PHILLIPS UPPER MARLBORO MD 20772

Serve Also: 711 49TH STREET LLC 4804 BRIDLE RIDGE RD UPPER MARLBORO, MD 20772 711 49TH STREET LLC 4530 WISCONSIN AVENUE NW, STE 300 CO. STEVEN M. BUCKMAN, REG. AGENT WASHINGTON DC 20016

And

MAINSTREET BANK INC. 10089 FAIRFAX BOULEVARD FAIRFAX VA 22030

Serve Also:

MAINSTREET BANK INC. 499 S CAPITOL ST SW CO. EDWARD CROSLAND, REG. AGENT WASHINGTON DC 20003

And BUSINESS BROKERS LLC 267 KENTLANDS BLVD. SUITE 3024 GAITHERSBURG MD 20878

Serve Also:

BUSINESS BROKERS LLC 1100 4TH STREET SW CO. DCRA, SUPERINTENDENT OF CORP WASHINGTON DC 20014

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

THOMAS J. CHMELIK & MARC A BATCHELOR 10089 FAIRFAX BLVD. FAIRFAX VA 22030

And (for D.C. Code 47-1371(b)(1)(F) purposes only)

DEMETRIS VOUDOURIS & ANN H CLARK 1820 MICHAEL FARADAY DR STE 21 CO. LAW OFFICE OF D. VOUDOURIS PLLC RESTON VA 20190

And (for D.C. Code 47-1371(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor Washington DC 20004

Serve Also:

District of Columbia 400 6th Street NW Co Brian Schwalb, Attorney General Washington DC 20001

and ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY 5134 SHERIFF RD NE WASHINGTPN DC 20019, Square: 5200 Suffix: Lot: 0102, And

All unknown owners of the real property described

A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before OCTOBER 21, 2023 .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 OCTOBER 21, 2023 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 publication shall so inform the Register of Wills, including name, address and relationship.

Serve

NOEL, ESQ. 10770 COLUMBIA PIKE - SUITE 250 SILVER SPRING MD 20901 Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs VINCENT HUCKS, whose address is 4420 23RD PKWY, TEMPLE HILLS MD 20743 was appointed Personal Representative of the estate of GREGORY D. KING AKA GREGORY KING who died on FEBRUARY 4, 2023 with a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their

41ST ST NW APT

DC 20007 TINA LA TIMER 3220 O STREET CO. CWP CONSULTING INC. Washington DC 20007 And FINANCIAL MANAGEMENT SOLUTIONS LLC 6303 IVY LN #310 GREENBELT MD 20770

Serve Also: FINANCIAL MANAGEMENT SOLUTIONS LLC 1100 4th Street SW CO. DCRA Superintendent of Corp Washington DC 20024

And (for D.C. Code 47-137(b)(1)(F) purposes only)

CRAIG A PARKER 110 N WASHINGTON ST, STE 500 CO. PARKER, SIMON & KOKOLIS, LLC ROCKVILLE MD 20850

And (for D.C. Code 47-137(b)(1)(F) purposes only)

THOMAS J KOKOLIS 110 N WASHINGTON ST, STE 500 CO. PARKER, SIMON & KOKOLIS, LLC ROCKVILLE MD 20850

And (forD.C. Code 47-137l(b)(l)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also:

District of Columbia 400 6th Street NW CO Brian

Schwalb, Attorney General Washington, DC 20001

BRENDA L MCCASKILL 240 M ST SW#E610 WASHINGTON DC 20024

And CHEVY CHASE BANK FSB 1680 Capital One Drive Co. Capital One McLean, VA 22102

Serve Also: CHEVY CHASE BANK FSB 1100 4th Street SW CO. DCRA, Superintendent of Corp Washington DC 20024 CHEVY CHASE BANK FSB 501 Wisconsin Ave FL 11 Bethesda MD 20814

And (for D.C. Code 47-137(b)(1)(F) purposes only)

DAVID SWEIDERK & ROBERT BYSTROWSKI 7926 JONES BRANCH DR. MCLEAN VA 22102

And (for D.C. Code 47-137(b)(1)(G) purposes only)

District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also:

District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001

And ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY, 240 M ST SW# E610 WASHINGTON DC 20024, Square: 0546 Suffix: Lot: 2322,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 240 M ST SW# E610 WASHINGTON DC 20024, Square: 0546 Suffix: Lot: 2322, assessed to the owner of record listed above, Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0546 Suffix: Lot: 2322 which may also be known as “240 M ST SW# E610 WASHINGTON DC 20024”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid. Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 26th day of March, 2023, ORDERED by the Superior Court of the District of

21, 2023 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 publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: APRIL 21, 2023 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers PAMELA D. HUFF Personal Representative

COURT OF THE DISTRICT

of Decedent

1350 LEEGATE ROAD, NW WASHINGTON, DC 20012 Attorney Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs BEVERLY LEWIS, whose address is 5513 FOOTE STREET, NE WASHINGTON, DC 20019 was appointed Personal Representative of the estate of DIANA THELMA TYSON AKA DIANA TYSON who died on DECEMBER 22, 2021 without a Will and will serve without Court supervision. All unknown

forever

And ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY, 2514 41ST ST NW# 5 WASHINGTON DC 20007, Square: 1708 Suffix: Lot: 2248, And All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being

IN THE SUPERIOR COURT OF THE DISTRICT OF COLUMBIA

CIVIL DIVISION ACTION INVOLVING REAL PROPERTY

Civil Action No. 2023-CAB-000444

Magistrate Judge

Calendar#

THORNTON MELLON LLC 939 W. North Ave. Ste 830 Chicago, IL 60642

Plaintiff, V. AKIKO SUZUKI 4740 CONNECTICUT AVE NW# 806 CO. EL YAHU ARAKI, ATTY. WASHINGTON DC 20008

And (for D.C. Code 47-1371(b)(l)(G) purposes only)

And District of Columbia 1350 Pennsylvania Avenue NW CO Muriel Bowser, Mayor, Washington, DC 20004

Serve Also: District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001 And

redemption in the following real property located in the District of Columbia to the Plaintiff in this Action:

Square: 1978 Suffix: Lot: 2118 which may also be known as “4740 CONNECTICUT AVE NW# 806 WASHINGTON DC 20008”. The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 24th day of January, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 31st day of May 2023,and redeem the Real Property by payment of $5051.67 plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W. Demson Esq. Clerk of the Court 4/21,4/28,5/5/23 IN THE

THE

And

And

Serve Also: District of Columbia 400 6th Street NW CO Brian Schwalb, Attorney General Washington, DC 20001

And ALL OTHER PERSONS THAT HAVE OR CLAIM TO HAVE ANY INTEREST IN REAL PROPERTY, 601 PENNSYLVANIA AVE NW#810 WASHINGTON DC 20004, Square: 0459 Suffix: Lot: 2086,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 601 PENNSYLVANIA AVE NW# 810 WASHINGTON DC 20004, Square: 0459

Suffix: Lot: 2086, assessed to the owner of record listed above,, assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to se-

IN THE SUPERIOR

ST NW# 603 WASHINGTON DC 20005, Square: 0281 Suffix: Lot: 2048,

And

All unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1245 13TH ST NW# 603 WASHING TON DC

unknown owners of the real property described below, their heirs, devisees, personal representatives, executors, administrators, grantees, assigns or successors in right, title, and interest and any and all persons having or claiming to have any interest, including adverse possesion, in the leasehold or the fee simple in the real property and premises, situate, lying and being in the District of Columbia described as 1435 4TH ST SW# B615 WASHINGTON DC 20024, Square: 0504 Suffix: Lot: 2278, assessed to the owner of record listed above,, assessed to the owner of record listed above,

Defendants. ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 0504 Suffix: Lot: 2278 which may also be known as “1435 4TH ST SW# B615 WASHINGTON DC 20024”. assessed to the owner of record listed above, The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 26th day of January, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 31st day of May 2023,and redeem the Real Property by payment of $9931.72 plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W. Demson Esq. Clerk of the Court 4/21,4/28,5/5/23

the owner of record listed above, assessed to the owner of record listed above,

Defendants.

ORDER OF PUBLICATION

In accordance with D.C. Official Code §47-1375 (2001 ed.), the object of this proceeding is to secure the foreclosure of the right of redemption in the following real property located in the District of Columbia to the Plaintiff in this Action: Square: 1045 Suffix: Lot: 2201 which may also be known as “1391 PENNSYLVANIA AVE SE# 515 WASHINGTON DC 20003”. assessed to the owner of record listed above, The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 26th day of January, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real Property described above to appear in this Court by the 7th day of June 2023,and redeem the Real Property by payment of $20911.83 plus interest from the date the Certificate was sold, all expenses provided for by D.C. Code §47-1377 and D.C. Code §47-1361, and all outstanding municipal liens amounts due and owing on the Real Property in accordance with the provisions of D.C. Code §47-1361, or answer the complaint, or thereafter, a final judgment will be entered foreclosing the right of redemption in the Real Property and vesting in the Plaintiff a title in fee simple.

/s/Zabrina W. Demson Esq. Clerk of the Court 4/21,4/28,5/5/23

BUDGET FOR A BETTER BALTIMORE Wednesday, April 26, 2023; 6PM In Person at City Hall, 100 N. Holliday St Online via WebEx

Mayor Brandon M. Scott invites you to Baltimore City’s Annual Taxpayers’ Night hearing. Voice your thoughts and provide input on the Fiscal 2024 Preliminary Budget before the Board of Estimates. A link to the virtual event and additional details will be available at bbmr.baltimorecity.gov. Contact budget@baltimorecity.gov for more information or visit bbmr.baltimorecity.gov.

The Complaint states, among other things, that the amounts necessary for redemption have not been paid.

Pursuant to the Chief Judge’s Administration Order Number 02-11, it is this day 26th day of January, 2023, ORDERED by the Superior Court of the District of Columbia, that notice be given by the insertion of a copy ofthis Order in the Washington Afro-American, a newspaper having a general circulation in the District of Columbia, once a week for three (3) successive weeks, notifying all persons interested in the Real

Operations, Procurement Department Attention: John Airey, Senior Contract Manager Tel: (410) 396-3261 john.airey@habc.org

Questions regarding the RFP should be directed in writing to the address and individual indicated above and must include the reference: HABC RFP Number B-1978-23.