Daytona Times, November 16, 2017

Retired educator named school’s top volunteer SEE PAGE 3

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DR. E. FAYE WILLIAMS: BLACKS, LATINOS, WOMEN POWER DEMOCRATIC VICTORIES PAGE 4

%AST #ENTRAL &LORIDA S "LACK 6OICE

MAINLAND HIGH FOOTBALL TEAM MOVES FORWARD SEE PAGE 7

NOVEMBER 16 - NOVEMBER 22, 2017

YEAR 42 NO. 46

www.daytonatimes.com

Real talk about the military One of the nation’s highest-ranking Black officers discusses challenges and opportunities during program at Embry-Riddle.

BY ANDREAS BUTLER DAYTONA TIMES

DUANE C. FERNANDEZ SR./HARDNOTTSPHOTOGRAPHY.COM

Major General Linda Singh speaks with moderator Marc Bernier at Embry-Riddle Aeronautical University Tuesday night during a Q&A attended primarily by ROTC students.

One of the nation’s highest-ranking African-Americans in the military spoke to Embry-Riddle University students Tuesday night about race, sexual harassment and career opportunities in the armed forces.

Major General Linda L. Singh addressed an audience made up primarily of ROTC students. Singh spoke as part of the university’s speakers’ series and was invited by the Office of Diversity and Inclu-

sion and Army ROTC. The 53-year-old adjutant general of the Maryland Army National Guard is the first female and first African-American of her rank to command the Maryland Army National Guard.

Race, gender issues The Maryland native rose through the ranks from an E-1/private to a major general overcoming barriers along the way.

“Race was an issue early on in my career, especially at the senior

HONORING MRS. JULIA T. CHERRY

90th birthday celebration held for Daytona Times matriarch

level. It’s not totally gone today. We have made tremendous strides, but we still have a ways to go. Gender was another challenge, but my biggest challenge was myself. I had to overcome my attitude that the world was against me,” she told the students.

Oversaw Baltimore riots Singh was commander of the Maryland National Guard during the 2015 Baltimore riots, sparked after the death of Freddie Gray who See TALK, Page 2

Henry files bill to fund shelter in Daytona SPECIAL TO THE DAYTONA TIMES

DUANE C. FERNANDEZ SR./HARDNOTTSPHOTOGRAPHY.COM

Charles W. Cherry III honors his grandmother, Mrs. Julia Mae Troutman Cherry, during her 90th birthday celebration on Nov. 11 at the Clubhouse at Pelican Bay in Daytona Beach. At left is Dr. Glenn Cherry, CEO, of the Daytona Times.

Standing is Times Publisher Charles W. Cherry II, Esq. See page 5 for a story on Mrs. Cherry’s life, family and career.

TALLAHASSEE – State Representative Patrick Henry has filed bill HB 2389, which would provide appropriation funding for the Daytona Beach “First Step Shelter Homeless Project.’’

If funded in the final budget, the City of Daytona Beach would receive a $1,700,000 allocation for the construction of a joint intra-county, largecapacity, full-service homeless shelter.

“This bill is incredibly important to my community and will help to combat the issue of homePatrick lessness that has Henry affected Volusia County, and particularly Daytona Beach, for far too long,” said Henry.

“It’s easy to feel overwhelmed with the issue of homelessness in our society as it is a problem that can’t be solved in a day and requires us to consistently offer hope, compassion and help to our fellow Floridians.

“The ‘First Step Homeless Shelter’ will help provide our brothers and sisters who are experiencing homelessness with access to the services they need to get their lives back on track,’’ he added.

See SHELTER, Page 6

Nursing home veterans thanked for their service at annual program ‘Born to be a Marine’

BY ANDREAS BUTLER DAYTONA TIMES

Each Veterans Day, the community gathers at the picnic area at Emory L. Bennett State Veterans Nursery Home in Daytona Beach to celebrate residents who served their country.

It’s a treat for veterans who live at the facility like retired Marine Staff Sergeant Eli Graham, one of last living Montford Point Marines and a Congressional Medal of Honor recipient.

“It’s a great day and event for us because we all get together and have a good time,” said Graham, 92.

ALSO INSIDE

Montford Point (now Camp Johnson) in North Carolina is where Blacks who integrated the Marine Corps trained.

Nov. 11, Veterans Day, is special to Graham because his birthday is Nov. 10, the same day the first Marines Corps was established.

“I was born on Nov. 10, 1925 which is the same day of the USMC birthday in 1775. It makes me feel good and like I was born to be a Marine. I served in the 7th Ammunition Company, 1st MaDUANE C. FERNANDEZ SR./HARDNOTTSPHOTOGRAPHY.COM rine Division. Our outfit helped Veteran Willie Branch addresses the crowd gathered at the Emory Bennett Veterans Nursing drop the bomb that ended the See VETERANS, Page 2 Home in Dayona Beach.

COMMENTARY: JULIANNE MALVEAUX: TAX ‘DEFORM’ FOR CORPORATIONS AND THE WEALTHY | PAGE 4 PERSONAL FINANCE: SOME MONEY LESSONS TO LEARN BEFORE AGE 40 | PAGE 8

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7 FOCUS

NOVEMBER 16 – NOVEMBER 22, 2017

Hundreds of walks The Alzheimer’s Association hosts over 600 Walks to End Alzheimer’s across the country to raise critically needed research funds to eventually prevent, treat and someday cure this disease.

“The people of Volusia County work so hard every year on this event. It’s a beautiful venue with a vibrant group helping us to organize each detail. We thank the people of the greater Daytona area for their tireless efforts on behalf of our mission” said Alzheimer’s Association CEO Kay Redington.

No registration fee

Hundreds of walks are held annually across the country.

Alzheimer’s walk set for Saturday in Daytona Beach The Alzheimer’s Association will present its Walk to End Alzheimer’s on Saturday, Nov. 18.

Registration begins at 8 a.m. the day of, but people can register online at act.alz.org/VolusiaCounty.

Over 5.5 million people in the United States are living with Alzheimer’s disease. In Florida, over half-a-million people are currently diagnosed; in Volusia County there are approximately 15,812 people living with Alzheimer’s.

In America, $256 billon was spent in America on care for those with Alzheimer’s and dementia this year alone. And not only are the Alzheimer’s cases growing, the costs are as well. By the year 2050, cost of care for Alzheimer’s and dementia is projected to reach over $1.1 trillion.

On Saturday at Riverfront Park, Daytona walkers will begin the two-mile inspirational walk to raise funds to further care, support and research efforts towards Alzheimer’s disease. There is no registration fee to walk. However, every participant is asked to make a personal donation toward the fight.

This year, the Central North Florida chapter hopes to raise approximately $85,450 in Daytona Beach for community programs and research in and around the area to help families and their loved ones manage through this illness.

Registration and check-in begin promptly at 8 a.m. at South Beach Street and East Magnolia Avenue. The official ceremony begins at 9 with the walk starting at 9:30 a.m.

Left to right are New Smyrna Beach Finance Director Althea Philord-Bradley, Assistant Director Lewie Wise and Mt. Dora Finance Director John McKinney.

Government finance officers honor New Smyrna director The Government Finance Officers Association has presented New Smyrna Finance Director Althea Philord-Bradley with the Certificate of Achievement for Excellence in Financial Reporting for the fiscal year ending Sept. 30, 2016.

The Certificate of Achievement for Excellence in Financial

They get it done

PHOTOS BY DUANE C. FERNANDEZ SR./HARDNOTTSPHOTOGRAPHY.COM

Veterans sit attentively during a ceremony honoring them at the Emory Bennett Veterans Nursing Home in Daytona Beach.

VETERANS from Page 1 war,” Graham told the Daytona Times.

‘All bleed red, white and blue’

Pierre Louis, a local Marine Corps veteran, delivers the speech during the Veterans Day ceremony.

TALK from Page 1 died from injuries while in police custody. She is credited with returning order and keeping down conflicts between troops and protesters.

“It could really happen anywhere,” she told the Baltimore Times at the time. “It’s not that these are bad places or anything.

It only takes one issue that can really get people upset and for that to spiral.”

‘Color proud’ military The military is regarded as the only true integrated part of American society.

“I still think it holds true. I think the military can help continue to set the standards and pave the way in many different areas. We have been known to do that and we will continue to do that,” Singh said.

A diverse military makes America strong.

Singh explained, “Our military is not colorblind, but we have equal opportunity. We are color proud in the military about the differences we bring to the table. We collaborate on the di-

Retired Marine Corps Warrant Officer Pierre Louis gave the keynote address.

He also is president of the Military Officers Association of America Halifax Area Chapter and serves on the executive board of the Volusia County Veterans Me-

versity that we bring and recognize that we are different. We get the best out of each other. That is what makes us a strong military and what makes our nation a super power.”

The military should be a career option for all Americans, she emphasized.

“Going through and looking at joining the military, personal readiness is really important.

They need to focus on what does it mean for them to be ready from an individual perspective,” she said about potential soldiers.

Dealing with harassment Singh said she also has fought against sexual harassment in both the military and civilian society. She was a high school dropout and was once homeless.

She mentioned, “I dealt with it not as much in the military as I did on the civilian side. … I’ve dealt with sexual abuse from a family member as a child and had to leave my home for it. I refuse to tolerate it in the military.

“In one incident, when I was a commander I had an E-4 invite me to an event. He was infatuated with me. I documented everything and eventually put him out of the military,” she recalled. “The other incident is that a senior NCO invited me to

morial Plaza, Inc. “I am grateful to be here. I am in awe when I look at you and hear your stories. I think about being a career of being a Marine. When I think about what it takes to make this country, America what it is and its best. It takes a collective group of veterans working together,” said Louis, who also is the executive director of the Daytona Beach Housing Development Corporation.

“We tease each other for the branch of service we’re in, but at the end of the day we all bleed red, white and blue. We are veterans, but we are one word, which is Americans. Thank you for your service.”

a car show and made advances and told me I had to do what they wanted. I said, ‘No way. No, I don’t.’ ”

Diversity efforts Embry-Riddle has 5,500 students at its Daytona campus.

The Reserve Officer Training Corps (ROTC) has 300 cadets and is tied to the ROTC programs at Bethune-Cookman University and Stetson University.

Out of those 300 cadets in ROTC at the three schools, around 5 percent are Black.

“We are looking at ways to increase those numbers now. We are in deep discussions and making plans,” said Kenneth Hunt, director of the Office of Diversity and Inclusion at Embry-Riddle.

Hunt said Singh was invited “to bring in a different perspective in a military role and have an impact on some of the recruitment efforts that we would like to see.’’

Singh’s career path Singh also is an author, public speaker, life coach, wife and mother.

“I am always in the spotlight in my position and career. I just try to live the life that I was taught to live.

My grandmother cleaned people’s homes for a living but took care of

The importance of service was emphasized during his speech.

“A life of service is a different calling. Veterans are people who serve. I work with children often.

I was once asked by a child, ‘What is a Marine? What is a veteran?’ I summed it up like this: A veteran is a person that will do service at a time no one else will,” Louis recalled.

He thanked veterans for getting the job done.

Louis stated, “When you ask a veteran to do something, the response you will get is consider it done. They will get the job done.

“I am always impressed with the stories veterans have to tell.

You veterans are what people make movies of. Veterans are united. When you talk to veterans, they never say, ‘I did this or I did that.’ They say. ‘We did this.’

Price of freedom Veterans were also thanked for paying the price of freedom.

“You veterans are the face of freedom. Freedom is not free.

Freedom is paid with a small price. Who paid that price? Veterans paid that price. They pay it by their love of country.”

Home for disabled Emory L. Bennett Veterans Nursing Home opened in 1993 and has a capacity of 120 beds.

Usually the place is full, but on Veterans Day it housed 112 disabled veterans.

The facility is one of seven nursing homes run under the Florida Department of Veterans Affairs.

It has been hosting the Veter-

14 children,’’ she related.

“She had me from age 3 months to 9 years old. She instilled a lot of good character and how to be a good citizen in me. She wasn’t educated but she taught me so much and more than anyone else.’’

Major military roles Singh enlisted in the National Guard in 1981 and was commissioned a second lieutenant in 1991. She became a brigadier general in May 2014 and major general in May 2016.

Singh has been deployed to Kosovo in Europe on a peacekeeping mission and in the Afghanistan War. She took commands of the Maryland Military Bureau in January, which has over 6,700 military personnel in the Maryland Army National Guard, Maryland Air National Guard, Maryland Emergency Management Agency and Maryland Defense Force.

Her post is part of the Governor of Maryland’s cabinet.

Ph.D. from Capella She has a Ph.D. in Industrial Organization from Capella University, a master’s in Business Administration-Business Administration and Military Organiza-

Reporting is the highest form of recognition in the area of governmental accounting and financial reporting, and its attainment represents a significant accomplishment by a government and its management.

“This is the 35th consecutive year that the City of New Smyrna Beach has received this prestigious award and we are proud of Althea and her team. The NSB finance team achieved this in the spirit of transparency and full disclosure,” said New Smyrna City Manager Pam Brangaccio.

The award recently was presented by John McKinney, finance director at the City of Mt. Dora and board member of the Government Finance Officers Association during a recent New Smyrna commission meeting.

“Under the direction of Althea, the City of New Smyrna Beach continues to receive this well-deserved recognition,” McKinney said.

ans Day ceremony for the past 20 years.

“We do this ceremony each year because we owe veterans a lot,” noted E. Gray Kilpatrick, administrator of the nursing home.

“It is because of veterans that we have freedom of religion, not the preacher. It’s because of veterans that we have freedom of press and speech, not the reporter. We have freedom of assembly because of veterans, not because of the protestor. We have the right to vote because of veterans, not the politicians,” he added.

Collaborative effort Some of the local veterans’ organizations that participated in the service included the Veteran’s Council of Volusia County; Veterans of Foreign Wars Post #1590 and #3461, Disabled American Veterans Post #84, American Legion Post #380 and 120, and the Halifax Area Chapter of the Military Officers Association of America.

The Veterans of Foreign Wars Post #1590 served as the ceremony’s honor guard.

Former Commander Roger Lee Tiffany of the Veteran’s Council of Volusia County, served as the master of ceremony. He also is chaplain of of Disabled American Veterans Post #84.

The annual event is the collaboration between the nursing home and local veteran organizations.

“We are just acknowledging all veterans, including those alive and those who have passed as well as supporting them,” said Vicky Chandler, activities director at the Emory Bennett State Veterans Nursing Home.

tion from Touro University International), a Master of Science in Strategic Studies (U.S. Army War College) and Bachelor of Science in Business Administration (Columbia Union College).

Singh is also a retired executive with Accenture, a business management and consultant firm.

She is the author of “Moments in Choice: My Path to Leadership,’’ an Amazon bestseller.

SHELTER from Page 1 The shelter will feature onsite social services, case management and health care services, while integrating state and local organizations to reduce the number of adults in Volusia County who are experiencing chronic homelessness.

The building also would serve as an additional shelter during emergency situations and voluntary and mandatory evacuations.

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M A YNEWS OR

NOVEMBER 16 – NOVEMBER 22, 2017 COMMUNITY DECEMBER 14 - 20, 2006

Mayhew installation includes plenty of praise and worship The congregation was blessed to join United Evangelical & Missionary Outreach Church (UEMOC) for praise and worship during the first of three events leading to the Rev. Mark Douglas Mayhew and First Lady Sylvia Mayhew’s installation.

The parishioners showed up from near and far to honor God and be supportive of the Mayhews.

Rev. Mayhew recently was appointed UEMOC’s pastor after 10 years serving with the Florida Baptist Convention as a church planting strategist.

A defining moment invoked blessings for the time of worship at United Evangelical & Missionary Outreach Church, situated at 99 Old Kings Road North, Palm Coast.

Rev. Mayhew gave a voice to having First Lady Sylvia Mayhew open up with passion to sing “We Bring the Sacrifice of Praise.”

The presence of adoration through other songs rendered the First Church Youth Choir to offer “Emmanuel (Come Let Us Adore Him).”

Praise service The Temple of Praise COGIC Choir ministered through the vocal, “I Got a Reason to Praise the Lord.”

Minister Vertellis Kendrick on

PALM COAST COMMUNITY NEWS JEROLINE D. MCCARTHY

keys directed the Bethune-Cookman University Gospel Choir to songs titled: “Victory, I’ve Got the Victory,” “Jesus, Son of the Living God,” “Lord, I Love You,” “Count Your Blessings,” and other renditions. Bethune-Cookman University Gospel Choir, led by choir director Kendrick, was the featured choir on the billboard.

Pastor Lawrence Toby, the gospel leader, offered the vocal, “My Soul Loves Jesus,” which drew attention that those assembled were blessed to have made it through the week.

And so, Pastor Toby said, “When you come to church...whatever the occasion is, you come to give God the praise...It’s not about being sanctified,” he added. “It’s not about being from the A.M.E. church, the Baptist church, or the Pentecostal church. It’s about having a relationship with God...”

na, testified that he had suffered with blood clots. And, with little option, the doctor told him one Friday in 2012 that if nothing had changed, they would have to amputate his foot.

The pain was excruciating and the bishop’s medication was prescribed past the level of morphine.

“My church went in prayer,” he said, “and that Sunday morning, I had an encounter with God,” which pushed him in the Spirit to a place called the secret place, and where he believes he had an out-of-body experience.

“They were supposed to have done surgery that Monday,” he said, “But, they canceled the surgery, and put me out of the hospital that Tuesday.” The encounter was unbeknownst to the doctor’s understanding.

“I’m healed. I’m whole!” shouted the Bishop.

The awesome power of goodness gave rise to a Holy Ghost dance from the bishop, and handclapping from those in the congregation and others that had ministered in song.

Testimony on healing

First Church to present ‘The Messiah’

Bishop Theotis White Sr. of Zion Hopewell Family Worship Center in Gilbert, South Caroli-

Handel’s classic, “The Messiah,” will bring musical magic to a performance to begin the Christ-

Flagler NAACP meeting Nov. 28 at AACS

Parishioners showed up to honor God and be supportive of the Rev. Mark Douglas Mayhew and First Lady Sylvia Mayhew. mas season.

The First Church Ensemble will perform the oratorio at the First Church of Palm Coast, pastored by the Rev. Gillard S. Glover.

“The Messiah” will be conducted by Dr. Samuel Shingles, director of Choral Activities at the Paxon School for Advanced Studies. Dr. Shingles is formerly dean of Arts and Sciences, department chair of Music, and choir director at Edward Waters College.

The performance will begin 4 p.m., on Dec. 9.

A suggested $20 donation per person will defray the cost of the production.

First Church, located at 91 North Old Kings Road, Palm Coast, can be contacted at 386446-5759.

The Flagler County NAACP will convene the Nov. 28 meeting, 6 p.m., at the African American Cultural Society (AACS), 4422 North U.S. 1, Palm Coast.

Branch President Linda Sharpe Matthews announced that community activist Sandra Shanks will discuss “A Christmas to Remember” for 400 children in Flagler County, who are served by the Department of Children and Families.

Educator Arnold Anderson will cover the topic, “Inspiring Our Youth for Generational Success.”

For further details, contact the NAACP at 386-446-7822.

••• A photo caption in the Oct. 26 edition should have read that Felicia Josey is a nursing student and former NYPD sergeant.

••• As always, remember our prayers for the sick, afflicted, the prodigal son, or daughter, and the bereaved.

Celebrations Birthday wishes to Darrell DeVore, Nov. 18; Brenda Pinkelton and Bill Blount, Nov. 19; Alicia Douglas, Nov. 20; Cathy Darby, Nov. 22.

Happy anniversary to Bill and Shirley Day, Nov. 16; and Eugene and Joanne Price, Nov. 21.

Retired Spruce Creek teacher receives school’s volunteer of the year award Eyvette Troutman-Presley, a retired educator, has been named Spruce Creek Elementary School’s volunteer of the year.

Troutman-Presley was raised in Daytona Beach and is a product of the Volusia County school system. She was an educator in Volusia for 38 years and was Teacher of the Year in 1975.

Principal Andrea Hall and Robin Vancini, office staff and volunteer coordinator, surprised Troutman-Presley during a class presentation.

She was presented a bouquet of flowers, a letter of recognition and a personalized pin for her volunteered services at Spruce Creek Elementary.

She volunteered in kindergarten and first grade last year and two first grade classrooms this year.

Teacher, supporter From her long tenure of teaching, she’s aware that extra hands enable students to encounter new experiences in varied environments.

“Students need to believe in themselves and feel confident. If they have a good self-concept and self-esteem, they are apt to do well,” she said. The volunteer feels a moral obligation to motivate, support their progress, and to let them know that someone cares about what they do and encourage them to always do their best.

Importance of reading A graduate of Bethune-Cookman College (now University), she also spends much of her time trying to live out the college’s creed: Enter to Learn, Depart to Serve. She instills in each student the importance of reading.

“Reading can take you to vistas beyond imagination.

Learning can be fun. Once you learn to read, the world is an open book and ultimately produces lifelong learners. To see the look on the students’ faces when they grasp the concept… the aha ‘moment with an ‘I Can’ attitude.

She received two degrees from Nova University, a master’s degree in reading and a specialist degree in Learning Disabilities.

Busy in community Troutman-Presley also is an active member of Greater New Zion Church; Alpha Kappa Alpha Sorority, Inc.; National Council of Negro Women; NAACP; Bethune-Cookman University Alumni Association; Neighborhood Watch; and Senior Oasis Leisure group.

She also visits elderly persons in assisted living facilities and is a member of several retired teachers’ organizations.

Troutman-Presley has two sons – Dhand (Shay) and Dhandre (Brittany), along with six grandchildren.

Eyvette Troutman-Presley is a volunteer at Spruce Creek Elementary School.

Church to host World AIDS Day Healing and Remembrance Service A World AIDS Day Healing and Remembrance Service will be held at Our Lady of Lourdes Catholic Church to show support for people living with HIV/AIDS, unite the community in the fight against HIV/AIDS and remember those who lost.

The Rev. Donna Choate will speak on the evolution of HIV at the Dec. 1 service.

Interfaith ministers also will discuss issues ranging from hope, stigma, courage, anger and challenges. The ceremony will close with an invitation to participants to share photos of lost loved ones. A reception will follow.

The service begins at 7 p.m. at Our Lady of Lourdes, 1014 N. Halifax Drive, Daytona Beach.

Along with the church, sponsoring organizations are the Florida Department of Health Volusia County, Community AIDS Network, and Outreach Community Care Network.

World AIDS Day, designated the first December of every year, is dedicated to raising awareness of the AIDS pandemic caused by the spread of HIV infection, and mourning those who have died of the disease.

For more information, call Joseph Huynh at 386-2555579, ext. 216.

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7 EDITORIAL

NOVEMBER 16 – NOVEMBER 22, 2017

Tax ‘deform’ for corporations and the wealthy Desperate for a policy win, Republicans have proposed “tax reform,” which is really an attempt to reward their base at the expense of the rest of us.

Whether you look at the 429-page House of Representatives version (which reduces the number of tax brackets, raises the standard deduction, eliminates the personal deduction), or the equally long Senate version that does some of the same (the Senate keeps the seven tax brackets, as is presently the case), the consistency between the two versions is that the corporate tax rate will be cut from 35 percent to 20 percent.

Deficit doesn’t matter Cutting the corporate tax rate will cost more than $1.5 trillion, an astounding sum from the socalled “deficit hawks” who have previously said that adding to the deficit is bad news. Now, because they can’t “repeal or replace” the Affordable Care Act, and have kept none of their other promises, their goal is to get a tax bill passed, no matter what the cost.

Ordinarily, significant changes in the tax code would be the subject of hearings and debate.

This time around, Republicans would rush this thing through “by Thanksgiving.” That’s hardly enough time to read the whole bill, much less react to it.

Hurts ordinary people I call it “tax deform,” not “tax

JULIANNE MALVEAUX TRICE EDNEY NEWS WIRE

reform,” because many of the proposals are just deforming outcomes for people in the middle and at the bottom.

For example, eliminating the personal deduction works against families who have three or more children. Eliminating some deductions hurts, for example, teachers who spend about $500 a year from their pockets to buy school supplies.

Increasing the amount of the childcare deduction works against low-income families if what is now a credit is changed to a deduction. With a credit, you get money back if the credit is more than the tax you owe. With the deduction, you get no money back.

These changes are designed to make up for the revenue that will be lost by cutting the corporate tax rate. State and local tax exemptions are on the chopping block, which will hurt people who live in high-tax states like New York and California (incidentally, states that voted against No. 45).

Hurts homeowners The ability to deduct mortgage interest will be curtailed for people whose homes cost more

Blacks, Latinos, women power Democratic victories I’ve always drawn a measure of comfort from watching and listening to ‘grandmother’-type clocks. There’s something soothing about the consistent tic-tictic of the clock as time moves on.

In my abstract thinking, I find significance in the movement of the pendulum and the intersection of time, physical laws of nature, and human behavior. There is comfort in the thought that evil doesn’t last forever and that, as the pendulum swings, principled ideas and action will renew.

Following the process It was with those thoughts that I watched this year’s Nov. 7 election results into the morning hours of Nov. 8. I’m not one to abandon the television after election results are announced.

I’m just as interested in the election process and the mechanics of election victory and loss.

It was reassuring to see the

DR. E. FAYE WILLIAMS, ESQ. TRICE EDNEY NEWS WIRE

obvious repudiation of No. 45’s administration that remains illprepared and unsuited to govern responsibly. It was gratifying to see the denunciation of haphazard leadership and the rejection of policies that are based solely in envy, jealousy and the goal of destroying the legacy of enlightened leadership by a superior predecessor.

I was overjoyed with a victory that, some will say, began in Virginia and spread from “sea to shining sea.”

Starting to understand Looking to 2018 and beyond,

Mahershala Ali earns National Urban League’s accolades Academy Award-winning actor Mahershala Ali’s journey has been one of bridging divides.

Between the crime and poverty of 1970s and ‘80s Oakland, where he lived with his mother and stepfather, and the musical theater scene of Manhattan, where he spent summers with his Broadway dancer father.

Between basketball, which earned him a college scholarship, and theater, which captured his heart.

Even his name bridges Christianity, Judaism and Islam – his Baptist minister grandmother chose a Hebrew name from the Bible: Mahershalalhashbaz, the second son of Isaiah. He converted to Islam in his 20s.

His impassioned Screen Actors Guild Award acceptance

MARC H. MORIAL TRICE EDNEY NEWS WIRE

speech was a plea for bridging divides.

People ‘fold’ “We see what happens when we persecute people. They fold into themselves,” Ali said, noting that his character Juan, in the movie “Moonlight,” “saw a young man folding into himself as a result of the persecution of his community, and taking that opportunity to uplift him and tell him that he mattered, that he

than $500,000. In some places like Manhattan, parts of Washington, D.C., and San Francisco, $500,000 may not buy much.

But Republicans need a win, and they are willing to do almost anything to get it.

So they are willing to tax university endowments, even though those endowments generate much needed-operating funds and scholarship dollars for colleges and universities. On the other hand, they have proposed changing the 539 program (the funds that parents can use to set aside money for their children’s education) so that these funds can also be used to fund private education.

Meanwhile, through the budget, public education is being cut. And though deductions are being eliminated for individuals, corporate loopholes remain.

The good news is that the House and Senate have different versions of tax cuts (stop calling it “reform”), and they will have to negotiate some compromises to get a bill through. The bad news is that both houses agree that the corporate tax rate should be cut, no matter what kind of deficit it causes.

Doesn’t work We’ve walked down this “trickle-down” path before. The theory is that if you cut corporate taxes, corporations will have more money to pump into the economy, and that will generate jobs and more economic growth,

it’s reassuring to learn that many who were apathetic in 2016 now understand that voting is not a responsibility that can be passed off to someone else. It was just as gratifying that many had opened their eyes to the lies of an opportunistic narcissist and have committed to holding the line against No. 45’s further encroachment upon the norms and values that have already made us great.

Having learned a lesson from 2016, the Democratic National Committee invested $1.5 million and $500,000 in the top of the tickets in Virginia and New Jersey, respectively. Less publicized was the election of Manka Dhingra in Washington state that flipped the state Senate from Republican to Democrat. Party investments also secured mayoral wins in Charlotte, N.C., and St. Petersburg, Fla., among other mayoral and legislative races across the nation.

Not going backwards Voters showed us how important healthcare is to them. Moving backward to when the value of one’s life was measured by the

was OK and accept him. I hope that we do a better job of that.”

Ali’s portrayal of Juan, though he appeared in just 16 minutes of the film, earned him every major acting award, including the first Academy Award presented to a Muslim actor. The National Urban League is proud to be honoring Ali with our Arts Award at our Equal Opportunity Day Awards Dinner.

Reaching the pinnacle of his profession hasn’t shielded him from discrimination as an African-American and as a Muslim.

He’s been stopped and ordered to produce identification in Berkeley, Calif., and found himself on a terrorist watchlist.

“What terrorist is running around with a Hebrew first name and an Arabic last name?” he joked to NPR’s Terry Gross.

No joke It was no joke, however, when he skipped the British Acade-

VISUAL VIEWPOINT: SEXUAL HARRASSMENT IN THE LEGISLATURE

BILL DAY, CAGLE CARTOONS

which will generate more tax dollars.

There is no evidence whatsoever that such a theory works. Indeed, it didn’t work when Ronald Reagan was president, and most recently, bailing the banks out in 2008 didn’t pump more money into the economy as the theorists hoped. Instead, banks held onto the money many hoped they would invest, and tightened credit requirements – making it more difficult for individuals and businesses to borrow, and impeding growth.

have been bought and paid for by their corporate interests. And we know the millionaires and billionaires in Congress and the White House will benefit from these changes. We just don’t know by how much, since No. 45 has still not released his tax returns.

The man who said he’d stand for the working class is standing beside the tax reform that will hurt them. But they voted for him, believing his hype.

Bought and paid for

Julianne Malveaux is a Washington, D.C.-based economist and writer. Her latest book, “Are We Better Off? Race, Obama and Public Policy,” is available at www.juliannemalveaux.com.

Why are Republicans so intent on rewarding corporations at the expense of individuals, especially those with incomes below $100,000?

Because too many of them

depth of her or his bank account is unacceptable.

Although no federal officeholder was elected, the balance in several state legislatures was tipped in favor of Medicaid expansion. A Maine referendum overwhelmingly affirmed Medicaid expansion for its citizens.

As a woman, I’m pleased that women received recognition for 2017 election success. My greatest disappointment is the apparent lack of appreciation of the Black and Latino vote, especially women!

Although media sources noted that more than 80 percent of Black voters voted for Democratic candidates and Black women voted at our usual and reliable 90 percent-plus, I’m still waiting to hear more leaders issue a special yet simple “Thank you” to Black people, especially Black women, and Latinas.

We know When women of color vote, we know how to vote. We honor the sacrifices of our ancestors when we vote, but we’re past being overlooked because we vote for

my of Film and Television Arts awards ceremony in February because he feared the recently-enacted “Muslim ban” might make it difficult for him to re-enter the United States.

Experiences like being followed in a department store, and watching people on the subway try to hide their jewelry from him, are the source of the expression he used in his SAG speech – “folding into himself.”

“I think I identify with characters who have to make themselves smaller,” he told GQ. “Because that’s been my experience, as a large Black man, to make people feel safer. Just because I always found witnessing other people’s discomfort made me uncomfortable.”

Powerful roles He has a track record of choosing the powerful roles and in “Free State of Jones,” his haunting portrayal of Moses – an es-

Charles W. Cherry II, Esq., Publisher

Opinions expressed on this editorial page are those of the writers, and do not necessarily reflect the editorial stance of the newspaper or the publisher.

CREDO OF THE BLACK PRESS The Black Press believes that Americans can best lead the world away from racism and national antagonism when it accords to every person, regardless of race, color or creed, full human and legal rights. Hating no person, fearing no person. The Black Press strives to help every person in the firm belief...that all are hurt as long as anyone is held back.

Dr. Glenn W. Cherry, Sales Manager

W W W. DAY T O N AT I M E S .C O M

Dr. Valerie Rawls-Cherry, Human Resources

Charles W. Cherry, Sr. (1928-2004), Founder Julia T. Cherry, Senior Managing Member, Central Florida Communicators Group, LLC Dr. Glenn W. Cherry, Cassandra CherryKittles, Charles W. Cherry II, Managing Members

Jenise Morgan, Senior Editor Angela van Emmerik, Creative Director Cassandra Cherry Kittles, Willie R. Kittles, Circulation Andreas Butler, Staff Writer Duane Fernandez Sr., Kim Gibson, Photojournalists

MEMBER

Florida Press Association

National Newspaper Publishers Association

Society of Professional Journalists

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our “herstory’ and self-interest.

Leaders must ask how different this election would’ve been without us. Rather than attempting to reclaim voters who reject the message of fairness and equity for all, my party should focus on initiatives that get more of us out to vote: more resources for Black and Latino GOTV advertising.

Congratulations Black people, especially Black women.

I’m proud of the Black women who voted, those who ran for office, those who won against great odds, as well as the Black women who taught us that one vote does make a difference, like my 95-year-old mom did.

Maybe the party that enjoys our loyalty will someday appreciate the victories we provide for God’s people.

Dr. E. Faye Williams is national chair of the National Congress of Black Women, Inc. Contact her via www.nationalcongressbw.org.

caped slave who is lynched for registering freedmen to vote – earned him one of the five BET Awards he won for films or television series released last year.

In addition to “Free State of Jones” and “Moonlight,” he was honored for the Netflix series “Luke Cage” and the films “Kicks” and “Hidden Figures.”

When he won the Academy Award, the first people he thanked were not the people who made him famous, but the people who nurtured his gift: his teachers.

With roles that range from comic book supervillain to White House chief of staff, Ali exemplifies the diversity of the 21st century entertainment industry, and the future of the performing arts. We are proud to honor his commitment to both his craft and to social justice.

Marc Morial is president and CEO of the National Urban League.

Central Florida Communicators Group, LLC, P.O. Box 48857 Tampa, FL 33646, publishes the Daytona Times on Thursdays. Phone: 877-352-4455, toll-free. For all sales inquiries, call 877-352-4455; e-mail sales@flcourier.com.

Subscriptions to the print version are $69 per year. Mail check to P.O. Box 48857 Tampa, Fl 33646, or log on to www.daytonatimes.com; click on ‘Subscribe.’

SUBMISSIONS POLICY SEND ALL SUBMISSIONS TONEWS@DAYTONATIMES.COM Deadline for submitting news and pictures is 5 p.m. the Monday before the Thursday publication date. You may submit articles at any time. However, current events received prior to deadline will be considered before any information that is submitted, without the Publisher’s prior approval, after the deadline. Press releases, letters to the editor, and guest commentaries must be e-mailed to be considered for publication.

The Daytona Times reserves the right to edit any submission, and crop any photograph, for style and clarity. Materials will not be returned.

NOVEMBER 16 – NOVEMBER 22, 2017

5 7

COMMUNITY NEWS

Julia T. Cherry

Mrs. Cherry greets Dr. Willie J. Kimmons.

celebrates 90th birthday

PHOTOS BY DUANE C. FERNANDEZ SR./HARDNOTTSPHOTOGRAPHY.COM

Family and friends from near and far enjoyed the celebration.

Elementary School in Desoto, Ga.; Staley High School in Americus, Ga., where she was a varsity basketball player and homecoming queen; and Morris Brown College in Atlanta.

She earned a Bachelor of Science degree from Morris Brown with a major in Home Economics and a minor in Chemistry. She also earned a teaching certificate from BethuneCookman College in Elementary Education and was employed by the Volusia County School Board as an elementary school teacher for 25 years.

High school sweetheart

Chayla Cherry gives reflections as her grandmother, left, and mother Lisa Rogers-Cherry, right, look on. ings was her sister, Bobbie Rose Cherry is the senior managJulia Mae ingMrs. member of Central Florida Com- Troutman, who was five years older.

Troutman Cherry municators Group, LLC, which owns She was a beautiful, intelligent, lovDaytona Times and Florida Couing sister and mentor. celebrated her the rier newspapers.

“She instilled in me at an early 90th birthday, Family members came from as far age an interest in getting an educaaway as New York and Virginia to tion,” Mrs. Cherry remembers. “She including more celebrate with her. was the first Black person from our hometown to attend a private elthan 60 years ementary school, to complete high Georgia native of residency in Mrs. Cherry is the daughter of Wil- school, and to receive a college eduI was expected to follow her Daytona Beach, lis Troutman (circa 1870-1933) and cation.

Emma Harris Troutman (1888-1989), lead.” during a small who resided in a small country town Family of Leslie, Ga. reception before near entrepreneurs Mrs. Cherry’s mother was 39 years approximately 50 old when she gave birth to a second Her sister Bobbie had observed on November 16, 1927, bethat the Troutman family had masfamily members daughter ing pregnant for only seven months. tered the value and art of being proThe tiny girl was quickly named and friends on ductive. Her father was a master Julia Mae Troutman (after her grand- carpenter and the only Black barber Nov. 11 at the mother, Julia Harris) because, acin their small town. Her mother was to Mrs. Cherry, “My parents Clubhouse at cording the only licensed beautician. thought I would not live. I was so “Mama worked hard and raised Pelican Bay. small Mama said that I looked like me and Bobbie on her own after a little rat. So my parents laid me in their bed and waited for me to go to ‘Baby Heaven.’ But I didn’t die, because God had a plan for my life.”

Sister, mentor Among Mrs. Cherry’s many bless-

Daddy died when I was just six years old,” Mrs. Cherry says. “Mama was determined that neither Bobbie nor I would be destined to a life of picking cotton; she was determined that her daughters would get an education.”

Mrs. Cherry attended Zion Hill

According to Mrs. Cherry, “At age six after my father died, I told my mother, ‘I hope I get a husband just like Daddy; he was so good to you.’

“While in high school, I met Charles W. Cherry. We dated from the 10th grade through college. This wonderful man became my husband on May 18, 1953. I thank God that He gave me a loving husband who treated me like my father treated my mother. We were good friends and very much in love during our 51 years of marriage. My beloved husband passed away on November 16, 2004.”

Mrs. Cherry and Charles, Sr. are the parents of three adult children: Attorney Charles W. Cherry II, Dr. Glenn W. Cherry, and Mrs. Cassandra Cherry Kittles.

She also has three grandchildren: Jamal Malik Charles Cherry, Chayla Cassandra Cherry, and Charles W. Cherry III. “I have tried to live my life by following the Bible verse, “Thou shalt not avenge nor bear any grudge against the children of thy people, but thou shalt love thy neighbor as thyself: I am the Lord,” Mrs. Cherry said.

“My favorite saying, The Golden Rule, is taken from St. Luke 6:31: “And as ye would that men should do to you, do ye also to them likewise,” or “Do unto others as you would have them do unto you.”

She prays that she has lived the type of life that God planned for her.

A PRAYER FOR AGING GRACEFULLY Editor’s note: Julia T. Cherry gave this poem as a ‘thank you’ for party attendees.

Lord, Thou knowest better than I know myself that I am growing older, and will someday be old.

Keep me from getting talkative, and particularly from the fatal habit of thinking I must say something on every subject and on every occasion.

Release me from craving to try to straighten out everybody’s affairs.

Keep my mind free from the recital of endless details. Give me wings to get to the point.

I asked for grace enough to listen to the details of others’ pains.

Help me to endure them with patience.

But seal my lips on my own aches and pains. They are increasing, and my love of rehearsing them is becoming sweeter as the years go by.

Teach me the glorious lesson that occasionally it is possible that I may be mistaken.

Keep me reasonably sweet. I do not want to be a saint – some of them are so hard to live with – but a sour old woman is one of the crowning works of the devil.

Make me thoughtful, but not moody; helpful, but not bossy.

With my vast store of wisdom, it seems a pity not to use it all. But Thou knowest, Lord, that I want a few friends at the end.

– Anonymous (Reprinted from the Little Book of Prayer, © 1960 by the Peter Pauper Press)

Cousin Eyvette Troutman-Presley “presents” flowers to Mrs. Cherry.

Mrs. Cherry, a life member of Delta Sigma Theta Sorority, Inc., chose the colors of red and white for the occasion.

To view a slideshow of Mrs. Cherry’s life, log on to daytonatimes.com.

R6

7 COMMUNITY NEWS Church and school to present Christmas musical Riverview United Methodist Church and the Ormond Beach Middle School will present a “Christmas Musical Celebration’’ at 2 p.m. on Dec. 2 at the church.

The event is free and open to the public. Light refreshments will be served.

Riverview United Methodist Church is located at 2253 John Anderson Drive in Ormond Beach.

For more information, call the church at 386-441-1622.

NARFE to meet Nov. 20 in Ormond The National Active and Retired Federal Employees (NARFE), Ormond Beach Chapter 2247, will meet at 11:30 a.m. Nov. 20 at Stonewood Grill, 100 S. Atlantic Ave. Representatives from Blue Cross/Blue Shield, AETNA and Government Employee Health Association (GEHA)

NOVEMBER 16 – NOVEMBER 22, 2017

will provide information regarding their programs and costs for 2018.

For more information, call 386-586-0253 or visit www. narfe.org/chapter2247.

Dec. 1 event to include HIV testing The Outreach Community Care Network will host a World AIDS Day event on Dec. 1 to celebrate and honor those lives lost to AIDS. The event is aimed at bringing awareness to HIV/AIDS, educating the community about how it is relevant to them as well as offer ways they can assist in preventing new cases of infection.

The event is 11 a.m. to 4 p.m. at 240 N. Frederick Ave., Daytona Beach. It will include free HIV testing, raffles, testimonials and music

by DJ Harlem. Health care vendors also will be there.

Contact Randall Mason at 386-255-5569, ext. 243 or Tamika Crumiell at 386-2555569, ext. 223 for more information.

Church names top chefs Allen Chapel AME Church has announced the winners of its Top Chef competition, which was held on Nov. 11. Ebony Dixon won in the appetizers category, brothers Jesshuan and Kount Foreman created the winning dessert, and Charna Fagan won in the main meal category.

T:7 inFrom left to right are Dixon; Jesshuan Foreman; the Rev. Nathan Mugala, pastor; Kount Foreman; and Fagan.

PHOTO COURTESY OF ALLEN CHAPEL AME CHURCH

7

M ASPORTS YOR

NOVEMBER DECEMBER 16 – NOVEMBER 2017 14 - 20,22, 2006

PHOTOS BY KATHY KELLER/THE FRAME & PHOTO WORKS

Mainland’s kickoff team shows unity before a kickoff in the playoff game against Miami Norland. The Buccaneers beat the Vikings 21-12.

Mainland advances; finally beats a Miami team Left: Mainland’s defensive front faces off with Miami Norland’s offense.

BY ANDREAS BUTLER DAYTONA TIMES

Solid defense and opportunistic offense lifted Mainland past Miami Norland 21-12 in the Regional quarterfinals at Municipal on November 10.

“We just focused on opponent X. Our defensive front did a good job. Credit goes to the players and coaches. We fought hard and played together, and I am proud of them, “said Mainland Coach Scott Wilson.

Norland coach, Daryle Heidelburg stated, “We just made too many mistakes. We didn’t capitalize on our scoring opportunities, especially early in the game which came back to hurt us. The penalties also hurt.”

Below: Mainland’s Anthony Graham (31) lifts Demaurez Bellamy (4) in the air celebrating a touchdown. The Buccaneers beat Miami Norland in the Regional quarterfinals.

‘A great feeling’ Demaurez Bellamy ran for two touchdowns for the Buccaneers; he also made plays on defense.

“It’s a great feeling, but I can’t stay in the moment. We got to get back to work and ready for the next game,” said Bellamy.

Scott added, “Demaurez is a mad man. He does it on both sides of the ball and he works hard to do so.”

Regional victory Mainland finally beat a Miami team in the playoffs.

The Buccaneers lost to Carol City (2016 Regional semifinals) and Central (2013 semifinals, 2014 Regional final, 2015 Regional semifinal).

Norland (6-4) led 6-0 in the first quarter on two field goals by Kevon O’Conner despite a nearly nine-minute opening drive and Mainland fumbling on its first possession.

Mainland (7-3) took the lead for good at 7-6 after a 55-yard touchdown pass from Richard Kamara to Tank Dell.

Bellamy’s touchdown runs put Mainland up 14-6 in the second quarter and 21-12 in the fourth quarter.

Vikings’ penalties Alec Carr’s touchdown run cut the led to 14-12 in the third period, but the Vikings two-point attempt was intercepted by Mainland’s Andrew Plummer.

The Vikings committed 21 penalties for 176 yards.

A penalty negated a touchdown run in the third fourth quarter and long kickoff return on the Vikings final possession, which resulted in a failed fourth down attempt.

Another promising drive for Norland ended with an interception by Mainland’s John Huggins at the Bucs’ five-yard line earlier in the fourth quarter.

Some top players Kamara threw for 145 yards with a score and DeAndre McMillan ran for 51 yards for Mainland.

The Bucs’ defense was led by Kevon McCrary, Anthony Graham, James McCloskey, Kamron Lee and company.

Carr threw for 277 yards with a score and Blake Veagis also had a big game receiving for the Vikings.

Carol City next Mainland will host Miami Carol City in the Regional semifinals on Nov. 17.

The Bucs are the last local team standing after Spruce Creek, Flagler Palm Coast and Matanzas each fell in the first round.

Playoff scores Winter Park-42, Spruce Creek-14; Orlando Boone-28, Flagler Palm Coast-13; Miami Northwestern-33, Matanzas-0; Bowl Game score: Satellite Beach-39, Father Lopez-24.

Miami Carol City (6-3) at Mainland (7-3): These teams met in the Regional finals last season with the Carol City Chiefs winning 347 and going on to win the Class 6A state title.

The Chiefs present the Bucs with a tougher challenge. Both teams beat Miami Norland as a common opponent. Mainland has a tall task but they can win if they avoid mistakes, capitalize on their opportunities and run the ball better.

Prep Sports Seven football rankings 1. *Flagler Palm Coast (9-1), 2. #Spruce Creek (8-2), 3.* Mainland (7-3), 4. #Matanzas (6-4), 5. University (5-4), 6. Taylor (7-3), 7. Father Lopez (6-4). *-denotes district champ and automatic playoff spot #-denotes at-large/wildcard for playoffs.

Mainland players bond during ‘Midnight Basketball’

BY ANDREAS BUTLER DAYTONA TIMES

The first ‘‘Midnight Madness’’ basketball showcase took place at Mainland High School in the COURTESY OF MAINLAND HIGH SCHOOL ATHLETICS Vince Carter Athletic Center on Mainland High School players and coaches take a time out dur- Nov. 11.

The event consisted of introing the ‘Midnight Madness’ basketball showcase. ductions of the boys and girls var-

sity and boys and girls junior varsity teams, a three-point shootout, a slam dunk contest, and scrimmages by all four teams.

There also was entertainment from Daytona Beach Buccaneers Pop Warner cheerleaders ages 9 through 11.

At the conclusion of the showcase, players got to mingle with fans and thank them for their support.

Following the event, the boys’ varsity squad had a sleep over in the gymnasium for the night.

Coach’s idea “Midnight Madness’’ was created by of Joe Giddens, Mainland boys’ basketball head coach.

“I am pleased with the showcase. It will only get better. I

did this when I was coaching at Spruce Creek. The difference is in Port Orange there are more affluent families.

In Daytona, the demographics are different where you find many kids in single-family homes. Many kids have their coaches as father figures. The sleep-in allows players and coaches to bond together. These memories will carry over throughout their lives,” noted Giddens.

The Mainland Buccaneers boys’ basketball team will open its season on Nov. 20 when it hosts Jacksonville University Christian.

Karsceal Turner contributed to this report. Turner is an assistant coach for player development with the Mainland High boys’ basketball team.

8

7PERSONAL FINANCE

NOVEMBER 16 – NOVEMBER 22, 2017

Some money lessons to learn before age 40

BY JENNIE PHIPPS BANKRATE.COM/TNS

If you’ve hit 40 and managed to avert a midlife crisis – congratulations. That sporty red convertible at the dealer showroom can wait if you want to be smart about money management.

Here are five money lessons that everyone should learn by age 40. Young adults who adopt these lessons early will not be sorry, and late learners still have time to catch up.

Know how to budget The backbone of a sound financial plan is a budget.

Budgeting helps you make the most of your money and reach your financial goals.

To create a budget, you first need to know how much money you’re bringing in. Some people choose to use their net income as their starting figure, while others like to use their gross income.

Then, list all of your expenses so you know where your money is going.

After that, track your spending for a month and see how it compares with your budgeted amounts.

This will allow you to look for places where you can cut back on spending.

Once you have a budget in place, stick to it.

The emergency fund Do you already have a fully funded emergency fund? That’s great because only 41 percent of Americans say they would cover an unexpected expense with their savings.

Your emergency fund should be able to cover four to seven months’ worth of expenses.

You should keep the

money in an easily accessible place.

No, not your mattress or a safe. Think about storing the money in a savings or money-market account.

These types of accounts offer a return on your money, and you’ll have access to it if an emergency strikes.

Compare rates on savings accounts and money market accounts to find the right place to stash your emergency fund.

A retirement plan When you hit your 40s, you should understand that saving for retirement is a critical part of your financial strategy.

If you’re behind on retirement savings at this point, consider increasing how much money you’re contributing to your retirement accounts.

The maximum contribution amount for 401(k) s is $18,000 in 2017 and $18,500 in 2018. Outside of your workplace plan, you can contribute an additional $5,500 to an IRA.

Credit is a tool At this stage, you’re likely dealing with a mortgage, car loans and children entering college.

“A healthy credit score is vitally important to you,” said Bruce McClary, vice president of communications at the National Foundation for Credit Counseling.

If you examine your credit score and don’t like what you see, chances are you haven’t paid your bills on time.

“Paying on time counts for about one-third of your score,” McClary said.

Committing to paying everything on time is the obvious solution to this problem.

ALEX MILAN TRACY/SIPA USA/TNS

Work to pay off debt and keep balances low, financial experts say.

It also pays to check your credit report carefully for credit killers such as identity theft or inaccurate reports.

Debt, balances Finally, at your age, work to pay off debt and keep balances low, he said.

“Focus on power-paying those balances and getting rid of them as fast as possible.”

That will give you more credit flexibility if you really need to borrow because you have a health emergen-

cy, want to start a business or need to replace the roof.

“A solid-gold credit score will make borrowing for any of these easier,” McClary said.

Insurance needs From your health to your home, it’s important to have insurance to cover devastating financial losses.

“Many people tend to purchase coverage with low deductibles, which can be costly,” said Robert Hoyt, who heads the risk management and insur-

ance program at the University of Georgia.

“Because states have low liability limits, people think they should start there. But for most individuals, those limits are woefully inadequate, so they end up paying a lot for insurance that doesn’t cover enough.”

On deductibles Someone with lots to lose – a home, a car and future income – is better off picking a plan with high deductibles, he said,

Helping you is what we love to do.

That’s why there’s always an experienced bread baker on hand in your Publix Bakery. And an expert cake decorator, too, ready to customize beautiful cakes to your every whim, for any occasion.

See how we serve you at publix.com/service.

and planning to claim only when there is a devastating loss that the insured can’t pay for otherwise.

In other words, you collect when the house burns down or the car is totaled or the accident causes major injury.

“Assess what you can afford with high limits of loss and then add a personal umbrella, which can be cost-effective and provide protection if you are faced with tens of thousands (of dollars) in losses,” Hoyt said.