CAW 47 - The Mighty Sparrow: A Living Legend

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The Mighty Sparrow: A Living Legend

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1944 to the present, even though he commenced his carnival singing in the year 1954. Throughout this lengthy period, The Mighty Sparrow’s achievements became so pronounced that he is also called the Calypso King of the World. Over the years Slinger Francisco accumulated a multitude of titles and awards totaling some 186, to the point where he himself once declared: “I may have to move into my trophy room and move the trophies and awards into the house since the trophy room will soon become too small for the number of trophies I’m collecting.”

BY VANDELL PARK

he word “legend” is said to define a story told over many years, handed down by generations, but not verifiable as being true.

Legend also connotes the exploits and deeds of an individual much talked about while that person is still alive.

Well, the story of Slinger Francisco, known as The Mighty Sparrow is being told even while he is still alive.

This legendary character etched his name in history as arguably the best calypsonian of all times. His outstanding career as a calypsonian spans from

Mighty Sparrow

Countdown to Affordable Health Care...see page 10

Robert Cornegy for 36th District

...see page 11

continued on page 8

HOT TOPIC: Life in Jamaica Less Than Irie ... see page 6 Letitia “Tish” James: A Real Voice for the People

BY RANDALL TOURE, ESQ.

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he campaign of Council Member Letitia “Tish” James continues past the Democratic Primary of September 10th and will take a second run at the Democratic Nomination for the New York City Public Advocate’s Office. This is the only race that is being contested on October 1st and for many people the thought of coming out for another election is the last thing they want to do but they are wrong. This race is important because the Public Advocate office is critical in the three citywide continued on page 4

Letitia “Tish” James

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Why Are My Parents Divorcing?

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Caribbean Consulates

Anguilla 845 Third Avenue New York, N.Y. 10022 Tel: 212-745-0277

Antigua & Barbuda 610 Fifth Avenue, Suite 311 New York, N.Y. 10020 Tel: 212-541-4117

The Bahamas 231 East 46th Street New York, N.Y. 10020 Tel: 212-421-6420

Barbados 820 Second Avenue, 5th Floor New York, N.Y. 10017 Tel: 212-551-4325

Belize 675 Third Avenue, Suite 1911 New York, N.Y. 10017 Tel: 212-949-1240

Dominica 800 Second Avenue, Suite 400H New York, N.Y. 10017 Tel: 212-949-0853

Dominican Republic 1500 Broadway, Suite 410 New York, N.Y. 10036 Tel: 212-768-2480

Grenada 800 Second Avenue, Suite 400K New York, N.Y. 10017 Tel: 212-599-0301

Guyana 370 Seventh Avenue, 4th Floor New York, N.Y. 10001 Tel: 212-947-5110

Haiti 271 Madison Avenue, 17th Floor New York, N.Y. 10016 Tel: 212-697-9767

Jamaica 767 Third Avenue New York, N.Y. 10017 Tel: 212-935-9000

Martinique 444 Madison Avenue, 16th Floor New York, N.Y. 10022 Tel: 212-838-6887

Montserrat 845 Third Avenue New York, N.Y. 10022 Tel: 212-745-0200

Panama 1212 Avenue of the Americas, 6th Floor New York, N.Y. 10036 Tel: 212-840-2450

St. Kitts & Nevis 414 East 75th Street, 5th Floor New York, N.Y. 10021 Tel: 212-535-5521

St. Lucia 800 Second Avenue, 9th Floor New York, N.Y. 10007 Tel: 212-697-9360

CARIBBEAN NEWSBRIEFS

Abu Bakr blanks Commission of Inquiry

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rominent Barbadian jurist Sir David Simmons recently called on the Trinidad and Tobago government to review the Commission of Inquiry legislation after the leader of the Jamaat-al Muslimeen group failed to appear before the Commission probing the circumstances that led to the failed 1990 coup against the then government of prime minister ANR Robinson.

This is the second occasion that Yasin Abu Bakr has blanked the Commission and Sir David, who is chairming the Commission, said the government should look at similar legislation in Canada in its review of the current act.

“The government should give very serious consideration to reforming the Commission of Inquires Act. The government should look at Canada and see some of the relevant legislation that operates in Canada within the context of the Charter of

At least 24 people were killed when Yasin Abu Bakr led 114 members of his Muslim group in coordinated attacks

Rights and within the context the human rights provisions of the Constitution,” he said.

He said a useful precedent may be found in the Canadian legislation, adding “it is all very frustrating because of the absence of Abu Bakr one is tempted to feel a sense of letdown”.

He said some people would come to the conclusion that the Commission “was a waste of time”, but he would not share that view.

At least 24 people, including one government legislator, Leo Des Vignes, were killed when Yasin Abu Bakr led 114 members of his Muslim group in coordinated attacks on the Parliament and the Trinidad and Tobago Television (TTT) station in his attempt to overthrow the then ruling National Alliance for Reconstruction (NAR) administration on July 27, 1990.

Bakr later appeared on television and announced that the government had been overthrown, and that he was negotiating with the Trinidad and Tobago Defence Force. He called for calm, and said that there should be no looting.

A number of people including former prime minister Basdeo Panday has testified before the Commission which held its last public sitting.l

Barbados delegation seeks to lure investors from Britain, USA

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inance Minister Christopher Sinckler is leading a delegation to Britain and the United States hoping to attract new investments to Barbados.

The delegation, which includes Governor of the Central Bank of Barbados, Dr. Delisle Worrell, will meet with bankers and potential investors with a view to updating them on this island's recent economic performance.

“In addition, they will have one-on-one meetings with large institutional investors who usually purchase emerging markets sovereign debt or who may have previ-

Finance Minister Christopher Sinckler

ously purchased Barbados' international bonds,” a government statement said.

Sinckler said that he anticipates that the four-day trip “will assist in preserving Barbados' credit worthiness, while maintaining the confidence of prospective investors that this country is an economically stable and secure place to invest”.

Earlier this year, the Central Bank said the local economy had contracted during the first six months of the year with the main foreign exchange sectors—tourism and international business and financial services -also suffering a decline.l

St. Lucia Businesses Call on Government for VAT Reduction

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he St. Lucia Employers Federation (SLEF) is calling on the government to lower the near one-year old Value Added Tax (VAT) so as to provide “some breathing space” to local business in the face of job losses and business closures.

"This reduction will provide members some breathing space as the slowdown in the economy continues to bite deep into their cash flows," said SLEF executive director Joseph Alexander.

The private sector group wants the VAT reduce from 15 to 10 per cent and

Alexander is also contending that should the government decide against collecting the 15 per cent VAT up front from businesses and collect the tax after they have sold their goods, employers would have the breathing space needed in the current economic downturn.

Explaining the plight of some businesses in St. Lucia, Alexander advised that most operate via an overdraft system which they have to maintain.

"Therefore having to pay the 15 percent VAT before goods have been sold plus taking care of their overdraft all at the same

time impacts severely on the cash flow of businesses which become yet another reason for job losses and the closure of businesses," Alexander said.

"If things were booming it would not be that difficult. The 15 per cent is just too high in these harsh economic times," he added.

The VAT went into effect on October 1 last year after the government agreed to a one month extension of the fiscal measure.l Newsbriefs source: www.caribbean360.com

St. Maarten 675 Third Avenue, Suite 1807 New York, N.Y. 10017 Tel: 800-786-2278

St. Vincent & The Grenadines 801 Second Avenue, 21st Floor New York, N.Y. 10017 Tel: 212-687-4981 Trinidad & Tobago 125 Maiden Lane New York, N.Y. 10038 Tel: 212-682-7272

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ABOUT US

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CARIBBEAN-AMERICAN WEEKLY TEAM

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Publisher I.Q. INC.

Managing Editor & Editor-in-Chief Pearl Phillip Senior Editors Colin Moore, Esq. Randall Toure, Esq.

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Graphic & Website Designers Praim Samsoondar Samantha Rosero Lana Delgadillo Shaquana Folks Contributors Vandell Park TIffany Thomas Natale Goriel Sarah S./AllRecipes.com Kathleen Seblius Email cariaweekly@aol.com ******

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VOTE 2013

A Voice for the People/ continued from the page 1

offices, along with the Mayor’s and the Comptroller’s offices. Most people don’t know that the Public Advocate is next in line to run the city of New York if anything were to happen to the mayor. That is something to consider when looking at the next Public Advocate because the next Public Advocate needs to be able to work as the chief executive of this city on a moment’s notice.

The Public Advocate also serves as an ombudsman for city government, providing oversight for city agencies, investigating citizens' complaints about city services and making proposals to address perceived shortcomings or failures of those services. The next Public Advocate has to be someone who is a champion of the people and will work for the benefit of the public with an experience and commitment from years of public service.

The next Public Advocate has to be a voice of the people not in just theory but in the real world with a record of standing up against corporate interests for the working people of New York, who was a leader in the City Council on ending Stop and Frisk, who fought for MWBEs in securing more opportunities and who has supported and is the co-sponsor of legislation in the City Council granting “green card” holder the right to vote in municipal elections and also supports driver licenses for undocumented workers and that person is Council Member

Letitia “Tish” James.

While defending the rights of working class families to live safely and securely, she introduced the Safe Housing Act that became Law in 2007, that ensured that thousands of families in rental buildings receive prompt and full repairs to their apartments, once again showing her commitment to fight for the average New Yorker. She has been a champion of environmental issues by expanding plastic recycling, a new clothing and textile recycling program, and improved public space recycling. This legislative package

represented the first significant expansion of the City’s residential recycling program since it was created in 1989.

As, Chairperson of the Contracts, in the NYC Council, she was one of the member that led the fight to ensure that MWBEs were included in the City Contracting process and that mayor’s Office and City Agencies were in compliance with the law at the time and pushed for expansion of the MWBE program to ensure that more New Yorkers would have a shot at the American Dream of owning and operating their

own business and succeeding on a fair playing field.

As the saying goes, biography matters, and Council Member James’ career in and around government shows that she has had a longstanding commitment to working with and helping people but also the ability to get things done within the confines of government in a way that doesn’t compromises her ethics and integrity as a public official. She is an attorney, who upon graduating from Howard Law School worked for Legal Aid she represented countless young individuals in the criminal justice system. She also was appointed, by then Governor Eliot Spitzer, to be the first Assistant Attorney General in Charge of the Brooklyn Regional Office. In that position, she resolved hundreds of consumer complaints and investigated predatory lenders who prey on first-time homebuyers.

Council Member James’ experience, commitment to bettering the lives of all New Yorkers and her support from thousands of supporters and friends who have backed Council Member James, shows that as Public Advocate she will be able to get the job done from the first day.

She will be a strong and committed voice for the average New Yorker because with Tish you get a fighter and a dedicated public official who will always speak truth to power. That is why we urge you to vote for Letitia “Tish” James for on Runoff Day, Tuesday, October 1, 2013.l

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6 NEWS

ISLAND FOCUS: JAMAICA

Life in Jamaica Less Than Irie

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BY TIFFANY THOMAS

he unemployment rate in Jamaica, West Indies is extremely high due to the inconsistencies in the economy and failed promises of politicians.

Jamaicans have to depend on remittances, skills and agriculture to bolster their family and themselves.

As of 2013, the unemployment rate boosted its way to 14.20% in the first quarter of 2013, according to Trading Economics. With its high unemployment rate, Jamaica’s economy is under great pressure.

Among those who are strongly affected by the lack of employment are youths. It is one of the most critical issues plaguing youths along with Jamaica’s education system.

Antoinette Green, an independent young female is among those that are unemployed. In order to survive, Green makes a living by selling fruits and vegetables along the busy streets in Mandeville, Manchester. “It’s a daily struggle for me because we are all selling the same thing. I have to compete with the other vendors just to make some money, said Green.

Dressed in tattered street clothes, sitting on a bucket with her products perfectly displayed, Green seeks the attention of busy commuters to patronize her. “If I don’t sell anything out here today, I can’t

feed my two children, I have to sell at least three breadfruits so I can go home to feed my children,” said Green in a tone of desperation.

Green is not the only youth who is unemployed and has to become a street higgler. Roger Stevens is also a young male devoted to selling his agricultural produce to survive the deplorable condition of Jamaica’s economy. In a boisterous plea for attention, Stevens implores patrons to buy from his stall.

When asked about his educational background and why he resorted to becoming a street vendor, Stevens said, “My parents didn’t have the proper funds

With its high unemployment rate, Jamaica’s economy is under great pressure. Among those who are

strongly affected by the lack of employment are the youths.It is one of the most critical issues plaguing youths along with Jamaica’s education system.

to send me and my little sister to school, so since I was 12 years old, I rotated shift with my mom just to find food for me and my sister. The government nah do nothing fi we, me a suffer, sometime me guh ah me bed hungry”.

After graduation from high school or college, there are limited opportunities for youths to find employment. However, most of them turn to crime and violence, while most females become vulnerable to sexual exploitation and adolescent pregnancy.

Apart from self-employment, those who face unemployment depend on remittances which are the highest foreign currency earner for the Jamaican economy.

Another method for survival in the unemployment crisis in Jamaica is Cashfor gold. “It is a risk to walk in the city with your gold jewelry because they will thief it from you and pawn it,” said Denise Smith. The market for gold is in demand and fast cash is what unemployed youths are hungry for. The status of the troubled economy is causing youths to make drastic choices.

Most youths blame the poor leadership of politicians who are believed to be creating a false hope and vision for the youths of Jamaica. Everton James believes that the failures of Parliament and their greediness for money drove Jamaica down the gutter.

“I realize that we as a people are not going anywhere, them blind us with a false image of what Jamaica is going to look like and what they are going to do for the dying youth,” James said. “Them trick us to vote for them telling us they have and are going to create jobs, but nothing nuh change it just get worst, them thief up the money.”

Cash-for-gold, remittances, agriculture and self-employment aren’t the only source of survival that youths are famil-

iar with. Their new and most popular skill, that is spreading across the country like a virus, is the scamming business, particularly lotto scamming. Scammers trick their victims into believing they won the lottery and in order to collect their winnings, they must pay taxes upfront. Their main targets are the elderly.

“Since there is nothing out here for me to do, why not make money the easy way” said a scammer who has been in the business for two years. The young male scammer who chooses to remain anonymous, is the breadwinner for his family.

Two years ago, he went into the business with his best friend who died as a result of gun violence.

Another source of income for youths is selling marijuana, also known as ganja.

Though it is illegal, it’s at an all-time high. Not only are they selling the herb, but some youths are using it for their own purpose. However, in efforts to prohibit the use of marijuana, the Jamaican government is doing all in its power to avoid legalization of the drug.

“It is a big money-making business,” said herbalist Andrew Wilson. Wilson is a youth who recently graduated high school and has to face life on his own.

Daily, he enters his field where his herb is planted. “I’m just waiting for it to be fully grown so I can cure it and sell it to make a little money; this is all I have doing to make it in this cold world yuh nuh,” said Wilson.

At 14.20% in unemployment rate, many Jamaicans, specifically youths, have a grim outlook on their future and the economy. Known to have the 7th slowest growth rate in the world according to the Jamaica Observer, youths are seeking ways to survive in the cold economy. Their only option for survival lies in their very hands.l

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FAMILY MATTERS

Why Are My Parents Divorcing?

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or many people, their parents' divorce marks a turning point in their lives, whether the divorce happened many years ago, or is taking place right now.

About half the marriages in the United States today end in divorce, so plenty of kids and teens have to go through this.

But when it happens to you, you can feel very alone and unsure of what it all means.

It may seem hard, but it is possible to cope with divorce — and have a good family life in spite of some changes divorce may bring.

Why Are My Parents Divorcing?

Parents divorce for many reasons.

Usually divorce happens when couples feel they can no longer live together due to fighting and anger, or because the love they had when they married, has changed. Divorce can also be because one parent falls in love with someone else, and sometimes it is due to a serious problem like drinking, abuse, or gambling. Sometimes nothing bad happens, but parents just decide to live apart.

Did you know it’s really common for teens to think that their parents' divorce is somehow their fault? Just try to remember that parents' decisions to split up have to do with issues between them, and not because of something you might

have done or not done.

Some kids feel guilty about what happened, or wish they had prevented arguments by cooperating more within the family, doing better with their behavior, or getting better grades. But separation and divorce are a result of a couple's problems with each other, not with their kids. The decisions adults make about divorce are their own.

If your parents are divorcing, you may experience many feelings. Your emotions may change frequently, too. You may feel stressed out, angry, frustrated, or sad. You might feel protective of one parent or blame one for the situation.

You may feel abandoned, afraid, worried, or guilty. You may also feel relieved, especially if there has been a lot of tension or fighting at home. These feelings are very typical and talking about them with a friend, family member, or trusted adult can really help.

How Will Divorce Change My Life?

Depending on what happens in your family, you might have to adjust to many changes. These could include things like moving, changing schools, spending time with both parents separately, and perhaps dealing with parents' unpleasant feelings about one another.

Your parents may go to court to determine custody arrangements. You could

end up living with one parent most of the time and visiting the other, or your parents may split their time with you evenly.

At the beginning, it means you might have to be flexible and might have more hassles to deal with for a while.

Some teens have to travel between parents, and that can create challenges both socially and practically. Over time you can figure out a new routine that works for all of you. Often, it takes awhile for custody arrangements to be finalized.

This can give people time to adapt to these big changes and let families figure out what works best.

Money matters may change for your parents, too. A parent who didn't work during the marriage may need to find a job to pay for rent or a mortgage. This

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might be something a parent is excited about, but he or she may also feel nervous or pressured about finances. There are also expenses associated with divorce, from lawyers' fees to the cost of moving to a new place to live.

Your family may not be able to afford all the things you were used to before the divorce. This is one of the difficult changes often associated with divorce.

There can be good changes too — but how you cope with the stressful changes depends on your situation, your personality, and your support network.l 1995- 2013. The Nemours Foundation/KidsHealth®. Reprinted with permission.

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8

CARIBBEAN STAR

The Mighty Sparrow continued from the page 1

The Calypso King rose to fame with songs such as: “Jean and Dinah,” Dan Is the Man in the Van,” “Mae, Mae,” “Ten to One,” “Happy School Days” and “Miss Mary,” winning some eight Calypso King titles and eight road march titles. While Lord Kitchener took Calypso music to England and Harry Belafonte introduced the Caribbean genre to the American audience selling over 1 million copies with his album “Calypso,” it was The Mighty Sparrow who continued to woo the hearts of Calypso fans across the world with his unique style of lyrics and singing. He incorporated social commentary, politics and even flirtatious and at times controversial and provocative vibes in his lyrics, evoking numerous debates, even drawing a ban to some of his music from being played on the national airwaves, in particular his 1965 song “Congo Man” which many dubbed as interracial revenge, interracial sex, cannibalism and very offensive towards black or African people and women. The ban on this particular song was not released until 1989.

Yet amid the controversies, The Mighty Sparrow continue to shine on the world stage performing at the invitation of government officials across the world, and even for President Barack Obama for whom he specifically wrote the song “Barack the Magnificent” in support of the incumbent president’s run for the White House. The legendary achieve-

Back in 2008: The Mighty Sparrow, (second from left) with then, presidential hopeful Barack Obama and New York attorney, Brian Figeroux, far right, flanked by Gerry Hopkins, far left.

The flower and the birdie: Calypso Rose with the Mighty Sparrow

Amid controversies, the Mighty Sparrow continued to shine

I am sexy and I know it!

Introduction to Non-Profits & Internet & Community Radio Hosting

ments of this humble yet King of Caribbean Calypso and Soca are too numerous to mention in a single article.

Perhaps a special publication might be forthcoming in his honor, but for now the man is recognized as one who brought laughter and joy to many dispirited hearts and propelled actions through his songs on a number of social issues both on the international arena and locally in his native Trinidad and the Caribbean.

The Mighty Sparrow who is currently hospitalized here in New York and is said to be alive and well contrary to false reports of him being dead, will forever be remembered by many. His work will continue to be heard in homes, dance halls, cars and even on the airwaves much to the delight of his many fans. His story will continue to be told for generations to come thus making it one legend that could be verified as true.l

Non-Profits - Some Topics lIntroduction to Non-profits: Naming & Structuring lThe Purpose Clause: Dynamic or Static Business Plan lIntroduction to the 501 (c)(?) Process & IRS 1023 lIntroduction to QuickBooks for Non-Profits lFinancial Strategies for Non-Profits lSpecial Issues for Churches lNon-Profit Guide to Publishing lEffective Fundraising for Non-Profits

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Visit www.mynacc.org to register today!

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MONEY MATTERS

Former Homeowners Can Get on the Path to Homeownership Again

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he housing market is re-emerging, building strength and showing signs of robustness that just a few years ago seemed almost impossible.

Back then, millions of homeowners were affected by a weak economy and the inability to keep pace with the financial demands of monthly mortgage payments and the associated expenses. As a result, many faced the reality of foreclosure and short sales, threatening that crucial aspect of the American dream. But today, what started off as a glimmer of new hope in the housing sector is shining brighter, and many people who lost their homes are looking for new avenues to rebuild what they worked so hard for.

When the housing bubble burst, a staggering number of Americans were affected — 4.8 million borrowers lost a home to foreclosure, while a further 2.2 million gave up their homes in short sales, according to national data. The recovery of the housing market has been slow, but the confidence of once-foreclosed-upon homeowners has grown along with it.

Sixty-five percent of Americans in a national monthly housing survey in April said they would rather buy a home rather than rent if they were going to move. With a new perspective on saving and making wise investments, many of those affected

are now eager to get back to being homeowners.

Many former homeowners have learned difficult lessons, and their road back to homeownership will be signposted with challenges. However, it may be possible for them to regain their dreams. These tips may help set prospective buyers on the right path:

*Talk to a reputable lender about owning a home again. Having someone on your side to help you through the process is important, but it's essential that that person has the experience and knowledge to help you make an informed, affordable lending choice. An experienced lender can explain the time limits that affect buyers who faced foreclosure or short sale; there is generally a set amount of time that needs to pass before you're eligible to be considered again for mortgage approval.

*Make an honest assessment of your credit situation. In the current mortgage approval environment, having a foreclosure or short sale on your financial record will affect what options you may have for loan approval. You can access your credit report from any of the three agencies by going to www.annualcreditreport.com; everyone is entitled to a free annual report.

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Homeownership is still part of the

American dream, even for those

who've dealt with foreclosure.

If you need help in making sense of your financial status and information on how to improve it, you can enroll in a homeownership seminar that provides useful tips and reminders on handling the financial responsibilities of homeownership.

*Prepare a down payment. Homebuyers re-entering the housing market after foreclosure or a short sale, typically need to have a down payment — in most cases 20 percent— ready before purchasing a home. In addition to those funds, think about additional expenses you might have to pay, such as closing costs. Showing the ability to handle the financial responsibilities of homeownership beyond the monthly mortgage payment like taxes, homeowner's insurance, utilities and other household expenses will be extremely

important in achieving loan approval.

*Get pre-approved. It's a good idea for prospective homebuyers, even those who are re-entering the market, to work with lenders who offer a pre-approval program.

The pre-approval process helps borrowers determine and understand their budget before diving into a home search, allowing them to shop more confidently.

Homeownership is still part of the American dream, even for those who've dealt with foreclosure. To ensure that your next home is your dream home, plan carefully, get help and take a proactive approach to answering the tough questions. l (BPT)

FREE BANKRUPTCY CONSULTATION Get the legal help you need NOW! Call 718-834-0190!

STOP Creditors’ Harassment!

STOP Lawsuits!

STOP Foreclosures!

Collection Harassment: *Profane or Abusive Language *Threats/Yelling *Family or Neighbors Called?

Save Your: *Home *Business *Car *Health *Peace of Mind/Health *Marriage/Relationship

Filing a Chapter 7, 11 or 13 bankruptcy may be your only choice!

Documents Required: *List of debts *Your most recent tax returns *Correspondence from creditors *Lawsuit documents *Social Security and ID *List of assets

For a FREE CONSULTATION call the Law Offices of Figeroux & Associates

26 Court Street, Suite 701 Brooklyn, NY 11242

Tel: 718-834-0190

VISIT OUR WEBSITE WWW.CAWNYC.COM FOR MORE NEWS AND INFORMATION

Visit www.figeroux.com

10

OBAMA ADMINISTRATION

Countdown to Affordable Health Care

S

BY KATHLEEN SEBELIUS

eptember 23 saw us reach yet another milestone on the road to affordable health care: 100 days to coverage. For years, millions of Americans have been denied the security and peace of mind of having health insurance. Too many have been priced out, locked out, or dumped out by insurance companies.

But thanks to the Affordable Care Act, all of that is changing. January 1, 2014 marks a New Day, when coverage will be more accessible and affordable. On that day, coverage begins for those who signed up in the Health Insurance Marketplace by December 15, 2013.

The Marketplace is a new, simpler way to purchase health insurance –all in one place. You can go online to find and compare options, see if you qualify for lower costs, and select coverage that meets your needs and budget.

Here’s what else is happening on January 1: •Health insurance plans can't refuse to cover you or charge you more just because you have a pre-existing health condition, such as diabetes or asthma.

•More people than ever will qualify for Medicaid.

•Insurance companies will no longer be allowed to limit lifetime coverage for essential health benefits.

•The small business tax credit expands.

Of course, the New Year isn’t the only important date coming up. October 1, 2013, marks the beginning of an intense six-month long open enrollment and public education campaign. You can enroll through the end of March.

Many will enroll online at HealthCare.gov. For some, it will be easier to enroll by phone (1-800-318-2596), in person (Find Local Help), or by mail.

To make the process even easier, we have trained assisters to help answer all of your coverage questions.

Spread the word to your friends, neighbors, and colleagues that new options for affordable, quality health coverage are in sight.l Kathleen Sebelius is the Secretary of Health and Human Services

Timeline for 2013

IMPROVING QUALITY AND LOWERING COSTS •Improving Preventive Health Coverage.

To expand the number of Americans receiving preventive care, the law provides new funding to state Medicaid programs that choose to cover preventive services for patients at little or no cost.

Effective January 1, 2013. Learn more about the law and preventive care.

•Expanding Authority to Bundle

Real Estate Transactions for Buyers & Sellers, Foreclosure Inoculation & Financing Your Business through Home Ownership

Buying a home is an exciting experience, but it can also be overwhelming if you don’t understand the entire process. Knowing what to expect will help you make the right decisions about your home purchase. So, whether you are considering homeownership for the first time or currently own a home and need help with your mortgage, or interested in building a real estate portfolio, this seminar provides you with the important tools and resources you need today.

Payments. The law establishes a national pilot program to encourage hospitals, doctors, and other providers to work together to improve the coordination and quality of patient care. Under payment “bundling,” hospitals, doctors, and providers are paid a flat rate for an episode of care rather than the current fragmented system where each service or test or bundles of items or services are billed separately to Medicare. For example, instead of a surgical procedure generating multiple claims from multiple providers, the entire team is compensated with a “bundled” payment that provides incentives to deliver health care services more efficiently while maintaining or improving quality of care. It aligns the incentives of those delivering care, and savings are shared between providers and the Medicare program. Effective no later than January 1, 2013.

INCREASING ACCESS TO AFFORDABLE CARE •Increasing Medicaid Payments for Primary Care Doctors. As Medicaid programs and providers prepare to cover more patients in 2014, the Act requires states to pay primary care physicians no less than 100% of Medicare payment rates in 2013 and 2014 for primary care services. The increase is fully funded by the federal government. Effective January 1, 2013. Learn how the law supports and strengthens primary care providers.

•Open Enrollment in the Health Insurance Marketplace Begins.

Individuals and small businesses can buy affordable and qualified health benefit plans in this new transparent and competitive insurance marketplace. Effective October 1, 2013.l

RSVP:

Telephone: 718-722-9217 Email: info@mynacc.org Website: www.mynacc.org

Location: 26 Court Street, Suite 701, downtown Brooklyn Space is limited.

Must register to attend.

Date: Thursday, November 7, 2013 6pm to 8pm

Visit www.mynacc.org to register today!

VISIT OUR WEBSITE WWW.CAWNYC.COM FOR MORE NEWS AND INFORMATION

VOTE 2013

Robert Cornegy, Jr., Preacher’s Kid Seeks to Represent District 36

I

BY VANDELL PARK

n November, Cornegy, is offering his leadership to District 36 in the New York City Council. Carnegie ran for the position in 2009 but was defeated by the then incumbent, Albert Vann. The seat becomes vacant due to Vann being term limited out. Carnegie says his love for people and his interest in being directly involved in their welfare has motivated him to run for the position since serving in this capacity will allow him direct access to resources that can benefit the communities within the district: “I am a preacher’s kid and we have been in the business of servant leadership from a very tender age.

My dad, though deceased, has left us with a mandate to be helpful to the community which we serve and to give a voice to the voiceless. My reason for running is about ensuring that necessary resources are brought back to our communities where they belong. I come out of a movement of empowerment, and following the trail where the resources are led me to City Council. I’ve been on the ground for many, many years advocating for empowerment of people of color. Bed-Stuy being one of the last community of black home ownership, of black small business and entrepreneurship, are in need of some leadership and guidance on the City Council level that will allow them not only to sustain themselves, but to grow also and that’s why I am sharing of myself to help them achieve their goals.”

Cornegy says his platform as a candidate

for the vacant city council position is simple: “one of the major tenants of my platform is small business and economic development. I believe what the President says, that this country will right its ship based on giving small businesses and entrepreneurship the capacity to grow.

One of the things that I will do immediately and having done the preliminary work on it is creating a small business incubator for Bed-Stuy and Crown Heights that will give access to capital as well as technical assistance to small businesses so that they can grow and employ more. There are several small businesses in the community of Bed-Stuy and Crown Heights that have committed to employing some 80% within a 2 or 3 mile radius. That’s a boom for the economy. There are people working, and there are businesses owners who understand that if we support them, they will support the economy of the community. We have a platform for education, making sure that there is reform for mayoral control. In the 36th District, we have the lion’s share of charter schools and we want to make sure that people in our community are given an opportunity to benefit from choices and not have the Department of Education (DOE) infringe upon us in a way that is unnatural, there needs to be more parental involvement in the school system so that the children can understand that there is community support behind their efforts. Police presence in schools is an area that I will personally tackle should I win the position. The idea that school safety has evolved almost into a paramilitary has been detrimental for our kids. It

allows for a structured conceivable growth for our children, but the way the school security is implemented and the way the police have taken over security in our schools signal a move in the wrong direction and that is one of the reforms I am talking about. Mayoral control of the Education Department has some good elements that will benefit the school system, but the way it was implemented under Mayor Bloomberg was far from what was intended, thus major reforms have to be made if it is to continue. My education platform is one that says, unfortunately, that all of our young people will not be college ready, but we need to make sure that we have technical programs that are available to them so that we can have a pipeline to jobs in the various industries that related to labor and the unions instead of a pipeline to prison, and we can do that. We can get in cahoots with our unions and make sure that we are funneling some of our young people who have shown a propensity to use their hands and could be skilled laborers, and there is no disrespect in that.”

Cornegy says another area of focus for his campaign will be that of reforming the stop and frisk policy that is currently being used by the mayor and police department against people of color here in New York City: “Stop and frisk is a state-wide initiative, not just a city-initiative. Why does it work well in other parts of New York State? Why is it that in Utica and Syracuse we are not having issues? So we know that it’s the implementation, therefore our

11

mayor and our police commissioner has to be held accountable for the implementation of this system.”

Cornegy is hoping that he can also become a strong advocate for Comprehensive Immigration Reform first within the City council and then on the federal level. He pointed out that the mayor and City Council members can lobby for certain immigration changes within the city: “As a council person I do have under my purview the ability to call on the state and federal levels to do many things. I am acutely aware of the situation because in Bed-Stuy, my Caribbean neighbors and friends are fearful to apply for citizenship for fear of deportation despite contributing significantly to the social and economic system of this country…some people feel like this country is not friendly to Caribbean immigrants. Other immigrants have opportunities and have access to a system that allows them opportunities for citizenship if they seek it. My friends from the Caribbean, Latin America and other places are very fearful that that system is not designed to assist them in their process of citizenship.”

Cornegy currently works as a policy analyst for the City of New York on the committee of the aging and veterans. Cornegy earned a Bachelor of Science degree from St John’s University in 1989 and a MBA in 2003. He also played professional basketball for the Philadelphia 76ers, from 1989 to 1990, before moving to play professional basketball in Europe from 1990 to 2000.l

VISIT OUR WEBSITE WWW.CAWNYC.COM FOR MORE NEWS AND INFORMATION

12 NEWS

SMALL BUSINESS MATTERS

6-Step Guide: How to Get a Business Loan

M

BY NATALE GORIEL, SBA COMMUNITY

oney is the lifeline of any business, so whether you’re starting a business or running an existing one, securing financing is a major factor, especially for small businesses. Many budding entrepreneurs find the task daunting and don’t even know where to begin.

Here’s a simple yet practical guide on how to go about preparing to apply for a small business loan.

1.What criteria do banks look for in making small business loans?

Different banks or lending institutions may have different standards, but in general, in order to consider your application for a small business loan, banks will require: •The loan must be for a sound business purpose. For SBA-guaranteed loans, the business must be eligible based on size, use of loan proceeds and the nature of the business (no lending, speculating, passive investment, pyramid sales, gambling, etc.)

•You and your partner(s) are of good character, have experience and good personal and/or business credit history •Ability to pay back the loan- reasonable to strong collateral (personal and business assets) is very important. SBA expects the loan to be fully secured, but we will not decline a request to guaranty a loan if the only unfavorable factor is insufficient collateral. And of course, owners must have personal equity investment in the busi-

ness/skin in the game.

2. What information will you need?

Different lenders may require more or fewer documents, but in general, you will need: •Personal and business credit history •Personal and business financial statements for existing and startup businesses and as well as a projected financial statements •Strong, detailed business plan (including personal information such as bios, education, etc.)

•Cash flow projections for at least a year, and •Personal guaranties from all principal owners of the business

3. How can you set yourself up from the beginning to make the process easier? (i.e., accounting systems, etc.)

Be prepared; be thorough; be truthful.

•Choose your lending institution carefully.

Larger banks tend to shy away from small loans as they are less profitable and take the same amount of underwriting and servicing. That doesn’t mean large banks do not make small loans; it is just more difficult.

•Approach banks or lending institutions you have worked with or are a customer of •Explore community banks and Credit Unions •Talk to a lending officer and find out exactly what documentation they require •Be thorough, bring everything they ask.

Many loan applications are denied or face unnecessary hurdles because of incomplete applications.

Even before you start gathering and organizing the information required by lenders to consider your application, you should educate yourself regarding business loans so you can understand and discuss intelligently with the lending officers when the time comes.

4. What is the typical size of a small business loan?

Small businesses come in many sizes, from a start-up of a one-person company, to hundreds of employees, and their financial needs vary accordingly, so “typical” also varies. That said, in the banking industry the median small business loan is about $130,000 - $140,000 with the highest around $250,000. SBA small business loans range from about $5,000 (microloans) to $5 million (largest guaranteed) with the average loan around

$371,000.

5. How can you get financing to start a business since many banks want to fund growth?

Start-ups are probably the most difficult ventures when it comes to securing financing. Many start-up businesses seek financing from family, friends and credit cards. If the credit is sound, the business plan strong and you have enough personal resources to invest and collateral to guarantee, smaller, community banks and other community financial institutions and Credit Unions may consider lending you money.

Your best bet by far is SBA assistance.

Begin by visiting SBA's website , where you will find a wealth of information not only on how to secure a small business loan, but equally importantly, other services and training opportunities to help you succeed.l

LEARN TO EARN Become A TAX PRO! We’ll Teach You Everything You Need to Know!

Attend our FREE NACC Seminar that will introduce you to tax preparation opportunities. In a recession, when jobs are hard to find, why not start your own tax preparation business. lGain

BENEFITS

a new professional and marketable skill flexible hours: days, nights or weekends lIncrease your income lSave on tax preparation fees lEnhance your tax knowledge lReduce your own tax bill lWork

REGISTER NOW:

Date: Monday, November 25, 2013 at 6pm Location: 26 Court Street, Suite 701, Brooklyn Website: www.mynacc.org Email: info@mynacc.org Tel: 718-722-9217

Become a member of NACC. Visit www.mynacc.org

SAVE THE DATE:

Thursday, June 19, 2014 Multicultural Business Expo Presented by the New American Chamber of Commerce (NACC) in partnership with the African-American International Chamber of Commerce (AAICC) and the Hispanic-American International Chamber of Commerce (HAICC)

8:00am - 8:00pm New York Marriott at the Brooklyn Bridge, 333 Adams Street, Brooklyn, NY 11201

One day. One location. Endless Opportunities.

Day includes: lWelcome VIP Breakfast l20+ Empowering Seminars lGreat Exhibits lCocktail Reception Awards lGreat Networking

Exhibit tables start at $695.00. Book yours today.

For exhibitor space and sponsorship opportunities, please call 718-722-9217 or visit www.mynacc.org

14 NEWS

FINANCE & TAXES

Affordable Care Act Tax Provisions for Individuals and Families

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he Affordable Care Act, or health care law, contains new health insurance coverage and financial assistance options for individuals and families. The Internal Revenue Service (IRS) will administer the tax provisions included in the law.

Do I need to do anything right now to get ready for the changes coming in 2014?

•The premium tax credit can help make the cost of purchasing health insurance coverage through the Marketplace more affordable for individuals and families with low to moderate incomes.

•You may have received a letter from your employer providing information about the new Marketplace, and any health insurance coverage your employer may offer. For more information about coverage options through the Marketplace, visit HealthCare.gov. If you have questions about the coverage offered by your employer, please contact your employer.

Considerations for 2013 •Open Enrollment for the Health Insurance Marketplace: The open enrollment period to purchase health care coverage

through the new Health Insurance Marketplace begins Oct. 1, 2013. When you get health insurance through the Marketplace, you may be able to get the new advance Premium Tax Credit that will immediately help lower your monthly premium.

•Filing Requirement: If you do not have a tax filing requirement, you do not need to file a 2013 federal tax return to establish future eligibility or qualify for future financial assistance, including the advance Premium Tax Credit to purchase health insurance coverage through a Health Insurance Marketplace.

•W-2 Reporting of Employer Coverage: Certain employers are required to report the value of the health insurance coverage they provide. The value of health care coverage as reported by your employer in box 12 and identified by Code DD on your Form W-2 is not taxable.

•Itemized Medical Expenses: You can deduct your unreimbursed medical and dental expenses that exceed 10 percent of your adjusted gross income on your 2013 tax return. The 7.5 percent threshold will remain for those 65 and older for tax years 2013 through 2016.

•Other ACA Tax Provisions: Additional Medicare Tax, Premium Rebate for Medical Loss Ratio, Health Flexible Spending Arrangements, Health Saving Accounts, and Net Investment Income Tax. Looking ahead to 2014 •Premium Tax Credits: To claim the premium tax credit, you must get insurance through the Marketplace. You can elect to have advance tax credit payments sent directly to your insurer during 2014, or wait to claim the credit when you file your tax return in 2015. If you choose to have advance payments sent to your insurer, you will have to reconcile the payments on your 2014 tax return filed in 2015.

•Individual Shared Responsibility Pay-

The Affordable Care Act was enacted on March 23, 2010. It contains some tax provisions that are in effect and more that will be implemented during the next several years. For a list of provisions for which the IRS has issued proposed and/or final guidance, visit www.irs.gov.

ment: Starting January 2014, you and your family must either have health care coverage, have an exemption from coverage, or make a payment when you file your 2014 tax return in 2015. Most people already have qualifying health care coverage and will not need to do anything more than maintain that coverage throughout 2014.

•Change in Circumstances: If you are receiving the advance Premium Tax Credit to help pay for your insurance coverage, you should report changes such as income or family size to your Marketplace. Reporting changes will help to make sure you are getting the proper amount of assistance.l Source:www.irs.gov

VISIT OUR WEBSITE WWW.CAWNYC.COM FOR MORE NEWS AND INFORMATION

CV1

NEWS

nHEALTH

nENTERTAINMENT

nRELATIONSHIPS

nRECIPES

nSPORTS

Will a Caribbean-American Win the Next Miss America?

M

iss New York, Nina Davuluri, made history last weekend as the first contestant of East Indian heritage to wear the Miss America crown.

Shortly after winning the prestigious title, the 24-year-old beauty expressed her delight that the almost century-old pageant sees beauty and talent of all kinds.

"I'm so happy this organization has embraced diversity," she told reporters at her first press conference after becoming the reigning Miss America in Atlantic City.

"I'm thankful there are children watching at home who can finally relate to a new Miss America," she added.

Her pageant platform was "celebrating diversity through cultural competency," while her talent routine was a Bollywood fusion dance.

Davuluri, a native of Syracuse, New York, plans to become a doctor, and will use the $50,000 scholarship she won as part of the pageant title to apply to medical school.

Her victory led to a flurry of negative comments on social media from users who were upset that someone of Indian her-

nHOROSCOPE

Caribbean Kitchen Corner

Joel’s Jerk Chicken Pineapple SUBMITTED BY SARAH S. ALLRECIPIES.COM

“My genius husband came up with this quick and spicy concoction. It has become one of my favorite meals!"— Sarah S.

Miss American 2014 Nina Davuluri is of East Indian heritage

itage had won the pageant. Of course, this historic achievement wasn’t all roses for Davuluri either. Upon her crowning, Twitter overflowed with angry, post-9/11 racial hatred. “Miss New York is an Indian. With all due respect, this is America” chimed one tweeter. Another angrily writes, “How the fuck does a foreigner win Miss America? She is a Arab! #idiots.”

Actually, no she’s not an “Arab,” she’s an American-born Hindu of South Asian descent.

Dismissing the invective, she responded: "I have to rise above that. I always viewed myself as first and foremost American."

Is Miss America showing diversity? Perhaps, an American of Caribbean descent will be the next Miss America? l

Trini Model On ANTM: “I’m Living a Dream”

R

enee Bhagwandeen is living the dream. Her dream— of being on America’s Next Top Model (ANTM). “I wish my grandmother could be alive to see this,” says the Bhagwandeen “It’s an opportunity I never would have expected.”

A dual citizen of Trinidad and the US, where she migrated at the age of six, Renee entered the Miss Trinidad and Tobago Miss Universe pageant in 2011 and 2012 copping the Miss Photogenic Award in 2011 . She was selected following that show to represent Trinidad and Tobago at the Miss International Woman where she was the runner up and the winner of the Miss Photogenic Award. Her success there qualified her to be the official delegate at the Miss International Beauty Pageant where she again won Miss Photogenic, becoming the first ever black woman to win that award in that pageant. Renee said the show, ANTM has taught her the right way to do things and to be comfortable in her own skin. Renee said post-ANTM she wants to get into acting and promote our Caribbean heritage. l

the pineapple and its juice, coconut, brown sugar, jerk seasoning, cinnamon, chili powder, red pepper flakes, salt and pepper. Reduce heat to low and simmer 15 minutes.

2.Bring a large pot of lightly salted water to a boil. Add pasta and cook until al dente, 8 to 10 minutes; drain. Toss chicken mixture with drained pasta or rice.l

Ingredients 1 tablespoon olive oil 2 skinless, boneless chicken breast halves - cubed 1 (8 ounce) can pineapple tidbits with juice 1/4 cup shredded coconut • 2 tablespoons brown sugar • 1 teaspoon jerk seasoning mix • 1/2 teaspoon ground cinnamon 1/2 teaspoon chili powder 1/2 teaspoon crushed red pepper flakes Salt and ground black pepper to taste Directions 1.Heat olive oil in a skillet over medium heat. Cook and stir chicken until no longer pink and juices run clear, 7 to 10 minutes. Stir in

PREP 15 mins COOK 25 mins READY IN 40 mins

Visit www.cawnyc.com for the latest Caribbean news, sports, information and more!

VISIT OUR WEBSITE WWW.CAWNYC.COM FOR MORE NEWS AND INFORMATION

CV2 NEWS

HEALTH

Life After Stroke: Advice for Physical and Emotional Recovery

D

id you know a stroke occurs every 40 seconds on average?

About 795,000 Americans suffer a new or recurrent stroke each year, according to the American Stroke Association. If you or a loved one has survived a stroke, recovery depends largely on the severity of the brain damage. With love, support and patience, the journey toward a new normal can begin.

A stroke is life changing for the patient as well as his or her support network. Some people make a full recovery, while others suffer from various disabilities. In addition to working closely with a doctor through a personalized recovery program, joining a support group is a great initial step. When coping with the aftermath of a stroke, it can help to be surrounded by others with similar experiences. Some difficult parts of stroke rehabilitation may include:

Communication challenges Difficulties communicating can be some of the most frustrating effects of stroke.

Depending on where the brain is damaged, it's not uncommon to suffer partial or total loss of the ability to talk, read, write or understand what people say. It's important to be patient and stay positive.

Make it a goal to practice communicating

in the leg and foot to respond as they should while walking.

at least once a day. Relax, take your time and use communication aids as necessary, like cue cards. Using fewer words paired with gestures or tone of voice can help streamline communication. Many people benefit from speech and language therapy.

Family and friends need to remember that improving communication skills engages stroke survivors so they feel more connected and less isolated, an important part of rehabilitation.

Physical movement Getting out of the house and being able

to move independently provides a sense of freedom during recovery. Many stroke survivors regain the ability to walk, but may suffer from side effects that make it more difficult. Foot drop is a common side effect, which means difficulty lifting the front of the foot when walking, so much so that it may drag, which can be a tripping hazard.

Foot drop may be a temporary or permanent condition caused by stroke. The good news is there are options to help.

Vibration therapy provided through affordable products can help increase mobility and retrain muscles and nerves

Emotional adjustment When adjusting to life after stroke, survivors often experience a flood of emotions. Grieving for loss of physical and mental abilities is normal and a healthy part of the adjusting process. But when normal sadness continues for extended periods, it can turn into depression and needs to be treated immediately by a mental health professional.

Stroke survivors also often feel anxiety.

Extreme worry or fear can cause restlessness, fatigue, muscle tension, poor concentration and irritability. Both depression and anxiety are common for stroke survivors. The good news is they can be treated, and there are many coping mechanisms, so be sure to ask your doctor.

Whether adjusting to physical impairments or the emotions of suffering from a major health scare, it's important to remain positive. Loved ones are a crucial part of rehabilitation and can provide support when it is needed most. It might take years to adjust to a new normal after a stroke, both for the victim and the families, but patience and love can help ensure a speedier recovery for everyone.l (BPT)

FREEDOM FROM DOMESTIC VIOLENCE

A Day of Beauty, Wellness & Confidence Building

Join us for this special empowerment workshop as we seek freedom from domestic violence.

Topics:

nIdentifying & breaking cycle of domestic violence nA plan for financial freedom nYour rights as a victim nHow to be a champion for victims nSpecial issues for immigrants nBeauty makeovers and nutrition tips nConfidence building exercises and more!

Saturday, October 12, 2013 from 11am-3pm

Location: Citi Field next to the Bullpen 38-2 126th Street, Flushing, Queens FREE Parking in Lot A Light refreshments will be served

Sponsored by:

FREE

Self-Improvement audio book to the first 25 registrants

Register at www.mynacc.org. Email: info@mynacc.org

VISIT OUR WEBSITE WWW.CAWNYC.COM FOR MORE NEWS AND INFORMATION

CV3

LOVE & RELATIONSHIPS

For Richer or Poorer: Don't Let Newlywed Bliss Turn into Financial Nightmare

F

or better or worse, richer or poorer— that's the promise most couples make when they face one another at the altar. When it comes to finances and young love, it can be easy to fall into some common pitfalls that can haunt couples long after the wedding day.

"Communication is a key part of a strong marriage, and it's also the basis for a strong financial partnership," says Barrett Burns, president and CEO of a credit solutions company. "Being proactive before and planning ahead of the wedding while sticking to a financial plan, will help guard against common financial mistakes that can occur early in a couple's life together."

To start your new life together with a strong financial foundation, check off a few important money to-dos before you say "I do!"

1. Have the debt talk All couples must have the debt talk. It may not be romantic, but it is necessary in order to plan a bright future together. Be open and honest about debt, savings and spending habits, even if they are less than perfect.

Financial turmoil is one of the top reasons cited for divorce, so understanding each other's finances today and what goals you have for the future, will help reduce stress on your partnership. With the average college student graduating with $26,600 in student loan debt, according to The Project on Student Debt, young couples need to

create a plan for managing debt and saving for the future.

2. Control wedding spending The "big day" is a defining moment in life, but it's important for couples to remember it's just one day of many that they will spend together. Weddings and related events cost a whopping $28,427 on average, according to theknot.com, and that doesn't even include the honeymoon.

"When it comes to young couples planning a dream wedding, the plastic tends to be relied upon," says Burns. "It's important to be realistic about how much you can spend.

Becoming over-extended on credit cards is a common mistake, and this type of highinterest debt is not the wisest way to begin your lives together."

The best course of action when it comes to wedding planning is to create a budget and stick to it. It's not necessarily bad to use credit, especially if you can take advantage of a credit card rewards program, but Burns advises only charging or borrowing what you know you can pay back in a reasonable amount of time as keeping high balances and missing payments can have significantly negative impacts on your credit score, which in turn leads to stress.

3. Work together to build a positive credit profile Married couples do not have joint credit files or credit scores. Each individual has

their credit files with the credit reporting companies and their own credit scores, but in some cases like when joint accounts and co-signed loans are created, the actions of one can impact the other.

"It's common for younger people who are just beginning their financial independence to not have much, if any, credit history. It's important to be proactive and take steps to build a positive credit profile and score so you can demonstrate to lenders that you are a good manager of credit," says Burns.

Get a copy of your credit report and resolve any issue you may have with the information presented in it. If you have a limited credit history, carefully consider the benefits of joint accounts, but keep in mind that the positive financial actions like pay-

ing bills on time and keeping balances low, as well as actions that can have negative impacts like missing payments will influence the couples' individual credit scores.

"The importance of paying bills on time cannot be understated," says Burns. "A single missed payment can drop each person's credit score 80 to 100 points. This can affect a couple's ability to get the best interest rates and terms for a loan."

Another important step in building credit after a marriage is to make sure that all financial lenders are aware of name changes. "If you choose to change your name after you are married, make sure all your accounts have your current information, otherwise positive actions may not get reported correctly or in a timely manner," Burns says.

4. Shop around for rates "Whether you're taking out a personal loan or selecting a credit card, you absolutely must shop around for rates," advises Burns.

"Don't just take the easiest or first option.

You want to get the best deal available with low interest rates and reasonable terms."

When shopping for rates, Burns notes to do so within a two-week period of time.

Credit inquiries from auto and mortgage lenders and credit cards issued from banks and credit unions are only counted once if done in a two-week period causing just a slight decrease to credit scores.l(BPT)

GREEN CARD SLAVERY? Don’t put up with ABUSE anymore! We can get a Green Card for you and your children PLUS a divorce.

Call 718-222-3155 now for a FREE consultation!

ENOUGH IS ENOUGH!

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CV4

T&T Retains Status for World Cup

T

rinidad and Tobago has retained its status as the smallest nation ever to qualify for the FIFA World Cup following the suspension of Cape Verde from the final round of qualification in Africa.

Cape Verde defeated Tunisia 2-0 to win their group but was disqualified for fielding an ineligible player.

They would have entered the 10-team playoffs that decides Africa's five representatives in Brazil next year but FIFA said its disciplinary committee decided that Fernando Varela should have been serving a suspension and Cape Verde were subsequently thrown out of the playoffs and replaced by Tunisia.

Cape Verde – an archipelago of 10 islands in the central Atlantic Ocean, 350 miles off the coast of western Africa- has a population of 500,000 and seemed to be in with a fighting chance of qualifying for Brazil. Had they done so, they would have erased the record held by Trinidad and Tobago, a Caribbean nation with a population of more than a million people.

None of the qualified nations nor any of those still in the running, has a smaller population than T & T.l

Visit www.cawnyc.com for the latest Caribbean news, sports, information and more!

Promising Guyanese Fast Bowler Compared to Curtly Ambrose

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ndian A cricket captain Yuvraj Singh says he has high expectations of the Guyanese fast bowler Ronsford Beaton and has compared him to the former West Indies fast bowler Curtly Ambrose. Singh made his comparisons after smashing a blistering century to lead India to a 77-run victory over West Indies A in the first one-day match at the M Chinnaswamy Stadium.

“Beaton is the future fast bowler for the West Indies,” said Singh. “He reminds me of Curtly. Obviously Curtly was great, but I think he has lot of potential and I think it was a very good attack”.l

SPORTS & ENTERTAINMENT

Jamaican Songstress Auditions for The Voice

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eautiful, sultry, and soulful Jamaican songstress Tessanne Chin has auditioned for the popular reality vocal show The Voice.

The Voice is an innovative vocal competition show, which features four stages of try outs. The first begins with the blind audition, then the battle rounds, the knockouts and finally, the live performance shows.

During the blind auditions the decisions from the super star panel of coaches, Blake Shelton, Cee Lo Green, Adam Levine and Christina Aguilera, are based solely on voice and not by looks. The coaches hear the artists perform yet, don't get to see them. If the coaches are impressed by the artists voice, he/she pushes a button to select the artist for his/her team.

Known for her hit singles "Hideaway" and "Messenger" Tessanne Chin and her team Ranch Ent. has confirmed that Tessanne has auditioned for The Voice.

As we look forward to The Voice and watching Tessanne's audition, Tessanne wanted to say “Thank You! Soooo overwhelmed by all the love and support!!! Makes me wanna cry, thank you so much for all your kind words and for believing in me," says Tessanne.l

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Source: www.Caribbean360.com

Call 718-771-0988 ext 112 for registration information.

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19

CIVIL RIGHTS

National Day of Protest to Stop Police Brutality, Repression and the Criminalization of a Generation

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his year has seen a sharp escalation in a full spectrum of attacks on the people. Yet even through some of the most repressive attacks that the government has made, there are signs of hope in the nationwide eruptions of outraged people and communities who are fighting back. We have a heavy responsibility going into the 2013 National Day of Protest to Stop Police Brutality, Repression and the Criminalization of a Generation, to stoke these sparks of resistance into a movement that can not only stop but reverse these escalating attacks.

In Bakersfield, CA, 33-year old David Silva was hogtied and savagely beaten to death by law enforcement officers, who had found him passed out on a street. The vicious killing of 30-year old Melissa Williams and 40-year old Timothy Russell, shot down in a hail of 137 bullets

by Cleveland police, has been described as a modern-day lynching. As of yet, the thirteen officers are still on the job. In an assisted living home in Chicago, 95-year old John Wrana was killed by police after being tasered and shot with a bean bag round. Witnesses say that Miami Beach police high-fived each other after tasering to death 18-year old graffiti artist Israel Hernandez-Llach. Police around the country continue to kill young Black men with impunity, such as 25-year old Cary Ball, Jr., killed in a hail of 25 bullets by St.

Louis, MO police, and 16-year old Kimani Gray, shot seven times by NYPD, three times in the back. In Dallas, TX, the last time a killer cop was indicted was in 1973. Dallas police have killed 250 since, with 68 Black men killed since 2001.

Over and over, we hear the justifications for police brutality and killing. The reason Miami-Dade police gave for restraining and choking 14-year old Tremaine McMillian, that he gave “dehumanizing stares,” shows just how much law enforcement expects impunity.

This system also criminalizes certain communities by protecting from prosecution those who kill people of color. From the Bronx judge's overturning of indictments against the cop who killed the unarmed Black teenager Ramarley Graham, to the mistrial declared in the killing of seven-year old Aiyana StanleyJones by Detroit police, the system's prosecutors always seem to forget how to prosecute when one of their own is on trial. The soft touch that Florida police gave to Trayvon Martin's killer and the acquittal of racist vigilante George Zimmerman epitomizes the racism inherent in the justice system, as the trial was conducted and covered in the media as though Martin was the one on trial. As a Guardian columnist has written, the verdict of the Zimmerman trial declares “open season on black boys.”

Meanwhile, as the culture of cop watching becomes more pervasive and more people document the violent acts of law enforcement, the criminalization of recording police intensifies. Three NYC cop watchers were arrested during the unrest after Kimani Gray’s killing, a Hawthorne, CA man’s dog was shot and killed by police after the man was arrested for filming a police barricade, and Detroit police roughed up and arrested a newspaper reporter for filming an arrest even after she identified herself as press.

In the face of escalating brutality and repression, people’s determined resistance must grow not just to fight for justice and against repression, but also to change people’s understanding of what is needed and possible today. Advocacy and public debate to decriminalize marijuana/cannabis has clarified the epidemic of criminalization and demonization of whole groups of people through unconstitutional raids and mass incarceration, and how the “War on Drugs” is really a war on the poor and people of color.

Other efforts seek institutional changes through legal and legislative means, such as the Community Safety Act reform bills and "Floyd" lawsuit victories against the NYPD. Efforts by activists and civil rights organizations have also resulted in calls from the UN Human Rights Committee that challenge police violence and impuni-

ty. These efforts contribute to the needed societal discourse about the racist reality of “Stop-and-Frisk” policies, police brutality, repression, and the criminalization of Black and Latino peoples, breaking the silence and strengthening the resolve of many to take independent political action to end these daily horrors for so many people. The National Day of Protest welcomes and must give voice to the greatest concentration of diverse and disparate voices and forces in order to beat back the genocidal trend of vicious police brutality and repression, and change the current equation.

October 22nd is a day that people around the nation have mobilized every year since 1996 for a National Day of Protest to Stop Police Brutality, Repression and the Criminalization of a Generation. It is crucial that we bring forward a powerful National Day of Protest in cities and towns across the U.S. to challenge the ongoing violence against the people. This October 22nd, stand with thousands across the country to express our collective outrage, creativity, and resistance in response to the crimes of this system. On October 22nd, WEAR BLACK, FIGHT BACK!.l

This is an edited version. For fill version visit www.october22.org. To start building for an event in your area, email oct22national@gmail.com

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VISIT OUR WEBSITE WWW.CAWNYC.COM FOR MORE NEWS AND INFORMATION