Daytona Times - September 21, 2017

How to apply for disaster assistance SEE PAGE 2

East Central Florida’s Black Voice

EE FR

MARC MORIAL: REINSTATE DACA AND PROTECT DREAMERS PAGE 4

LOCAL ATHLETES SPEND SPARE TIME AFTER STORM CLEANING UP HOMES SEE PAGE 7

SEPTEMBER 21 - SEPTEMBER 27, 2017

YEAR 42 NO. 38

www.daytonatimes.com

WORDS DO MATTER New Smyrna Beach residents want city manager out over controversial comments captured on video.

BY ANDREAS BUTLER DAYTONA TIMES

DUANE C. FERNANDEZ SR./HARDNOTTSPHOTOGRAPHY.COM

The Rev. Jeffrey Dove addresses the New Smyrna Beach city commission on Tuesday night at City Hall.

Some irate New Smyrna Beach residents are calling for the ouster of City Manager Pam Brangaccio despite her apology Tuesday night over controversial comments made during a heated exchange with a Black pastor.

The controversy was sparked when the Rev. Jeffrey Dove and the church he pastors, Allen Chapel A.M.E. Church, reached out to the city to request using the Alonzo “Babe’’ James Center immediately following Hurricane Irma to feed impacted community residents, which included some of the area’s homeless.

Dove said the church initially was given permission to use it from Sept. 12-14 to serve lunch and dinner. But he later received a text from an unfamiliar phone number stating that he couldn’t use it.

Crossed the line Dove and members went to the center anyway and were met by the city manager and a heated exchange ensued that Dove videotaped. He posted a 17-second clip of the video on his Facebook page.

During the video, Brangaccio states that, “It’s not the pastor’s center. It’s my center.” Dove responds that “it’s the people’s center.’’

Brangaccio told them that she needed the center to feed city employees and later during the video stated that she doubted that a person in the group paid taxes.

During Tuesday night’s meeting, people held signs that read,

Black businesses take a hit from Irma

“I pay tax and I vote!” and “I pay tax and I remember!”

An apology Dove recalled the exchange. “It was getting heated. There were things said that weren’t captured. It’s hard as Blacks and others who are disadvantaged that we have to capture someone in their own actions and words on video to make a change,” he said.

Brangaccio apologized on Tuesday night, stating that “If I could go back, I never would had said that, period.”

Petition near goal Since the incident, Dove and Brangaccio seemed to have buried the hatchet.

However, not all is forgiven for hundreds of local residents. On Wednesday evening, a Change. org petition calling for the resignation of Brangaccio had almost reached its goal of 500 signatures.

See WORDS, Page 2

B-CU students recall unnerving hurricane experience; glad to be back in school

BY GREG LEWIS DAYTONA TIMES

Bethune-Cookman University students returned to classes on Wednesday after being closed because of Hurricane Irma.

The university issued a mandatory campus evacuation order for Sept. 5 at 5 p.m. All classes were canceled and off-campus shelter arrangements were made for students who couldn’t return to their hometowns.

‘A little rocky’

Dr. Jerry L. Picott Jr., principal of Campbell Middle School and Cameron L. Robinson, principal of Turie T. Small Elementary School, were among school staffers helping to feed local residents impacted by Hurricane Irma on Saturday at Campbell. School resumed on Monday.

Recovery slow for some businesses, government offices.

BY ANDREAS BUTLER DAYTONA TIMES

The recovery from Hurricane Irma continues as residents and businesses and government entities are cleaning up, repairing damages and trying to get some disaster aid.

Bethune Grill, a popular eatery located at 731 Dr. Mary McLeod Bethune Blvd., is one of the Blackowned establishments that’s are back up and running. The restaurant took a hit from lost business and product.

“The storm has definite-

ALSO INSIDE

Aniya Hardee was one of the students glad to be back in school. Like most Floridians, the Lakeland native endured a stressful week before and during the hurricane.

“My experience through this hurricane was a little rocky, but I didn’t lose faith in God’s plan,’’ the freshman criminal justice major told the Daytona Times.

“I am really excited to get back on campus, just to stay around positive people and get back to my purpose.”

Evacuated to Georgia Adam Farley Jr., a senior majoring in computer information systems, went home to Georgia to be closer to his family in attempt to avoid Hurricane Irma.

“I evacuated to Macon, Georgia, back home with my family.

I also took three of my organization siblings along with me to avoid them being stuck without power, low water, or any harm from storm damages.”

“I’m very excited to return back to my dorm and to the campus.

Not only to complete work, but

ly affected business. We have lost both money and merchandise. We lost a total of nine days,” restaurant manager Rosemary Jenkins told the Daytona Times.

“We lost about 10 cases of chicken and three shipments. We were out of commission for an entire week. We also had to lower our orders during the time.’’

See STUDENTS, Page 2

Slowly recovering Jenkins said other businesses in the area were recovering slowly.

The business lost power twice, and for a week a downed light pole lay about 10 feet from its doors. The pole was finally fixed on Monday.

See IRMA, Page 2

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

Bags of food were given to residents on Saturday at Campbell Middle School in Daytona Beach.

Aniya Hardee

Adam Farley Jr.

COMMUNITY: DANITA BLOW SWORN IN AS CHAPLAIN FOR FLAGLER COUNTY SHERIFF’S OFFICE | PAGE 3 COMMENTARY: WILLIAM BARBER II: TIME FOR NEW POOR PEOPLES’ CAMPAIGN, MORAL REVIVAL | PAGE 4

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7 FOCUS

Residents, business owners can apply for Irma assistance through SBA Residents who suffered hurricane-related damages can apply for disaster assistance through the Small Business Administration’s Disaster Loan Program.

The program is provided through a partnership between the Small Business Administration and FEMA. “It is very important that survivors understand how the FEMA and SBA programs work together so that they can utilize the best possible options for them in their recovery,” said Adrianne LaNeave, SBA Public Affairs Specialist. “The SBA Disaster Loan Program is available to the homeowners, renters and businesses of all sizes that were affected.”

Three types of disaster loans are available: Business Physical Disaster Loans, Economic Injury Disaster Loans and Home Disaster Loans, which are available to homeowners and renters to repair or replace disaster-damaged real estate and personal property, including automobiles.

SEPTEMBER 21 – SEPTEMBER 27, 2017

STUDENTS

Center by calling 800-659-2955, emailing disastercustomerservice@sba.gov, or visiting www.sba.gov/disaster.

Deaf and hard-of-hearing individuals may call 800-877-8339. Applicants may also apply online using the Electronic Loan Application (ELA) via https://disasterloan.sba.gov/ela.

from Page 1

also to enjoy the rest of the fall semester such as the (Florida) Classic and Homecoming.”

Halifax Health – Hospice seeks volunteers for meal preparation help

‘We got lucky’ Although many Floridians were able to evacuate from the Daytona Beach, others stuck it out in the city.

Daytona Beach native Robert C. Johnson said his family endured some harsh conditions during the storm.

Johnson said his parents decided not to evacuate because of the number of animals the family owns. They stayed in Daytona and prepared for Robert C. the worst-case scenario.

Johnson “My experience during the hurricane was pretty brutal for my specific area in Harbor Oaks.

My house was shaking and the winds were rattling my windows,’’ Johnson said.

“No specific property of mine was destroyed. However, we did see the water come over the wall and started to put our valuables in waterproof bags. The water didn’t get too high, but it did eat away our road. The only thing that was completely damaged was our ceiling, which we thought the roof was for sure going to get ripped off. We got lucky.”

Halifax Health - Hospice is seeking volunteers to provide assistance with patient meal preparation at one of its four Care Center locations, which include Orange City, Edgewater, Port Orange and Ormond Beach.

Those interested in volunteering must complete an orientation and a Level 2 background screening.

More information: Tammy Dunn at 386-425-4701 ext. 66127, tammy.dunn@ halifax.org.

How to apply

DeLand church plans fall festival

Application deadlines are Nov. 9, 2017 for physical damages and June 11, 2018 for “economic injury,” which includes funds to help businesses and non-profits meet “ordinary and necessary” financial obligations that cannot be met as a direct result of the disaster.

Applicants must have an acceptable credit history, must show the ability to repay all loans, and must have collateral.

For more information, contact SBA’s Disaster Assistance Customer Service

Trinity United Methodist Church’s annual Fall Festival is Oct. 7 at 306 W. Wisconsin Ave., DeLand.

The festival is from 8:30 a.m. to 2 p.m. for crafts, baked goods, food and drinks, toys, books, silent auction, antiques, trash and treasures, plants and jewelry.

Proceeds will benefit local and national outreach programs.

For more information, call 386-7344425.

Irma damaged Robert C. Johnson’s family home in Daytona Beach.

Intern Greg Lewis is a B-CU mass communications student.

that must be fixed. We have a wonderful town, but we must make it wonderful for everybody.

I recently brought property on the westside. I asked why don’t the westside get as much as the east? I was told by a city official that they don’t pay as much taxes on the westside.”

New Smyrna’s westside neighborhood has historically had a predominantly Black population.

ACLU responds The Volusia & Flagler County American Civil Liberties Union (ACLU) is looking into the matter.

“As we speak, the ACLU is looking into and documenting the discrimination occurring in every city across our county,” commented Debra Jernigan, a member of the local ACLU board.

Board member Ken Strickland added, “This has to stop. Letters have been sent to the county, Daytona Beach, DeLand and soon one will be sent to New Smyrna Beach. We are doing everything that we can. After that, the state Branch will look into it.”

‘Let’s fix it’

DUANE C. FERNANDEZ SR./HARDNOTTSPHOTOGRAPHY.COM

Residents express their thoughts on Pam Brangaccio’s comments during New Smyrna Beach’s city commision meeting Tuesday night.

WORDS from Page 1

“I am still disappointed, but the fact that she did come and apologize says a lot. I think Pam has done a lot for the city. I think that her comments were, however, degrading not just to the homeless but all citizens,” Dove related.

“I hope that we can move forward. I will continue to be a voice and speak for the homeless. This

IRMA

from Page 1 “We were frustrated with the process and the long wait. They seem to move faster in other parts of town where other businesses are. It was also safety concern for our customers and workers,” Jenkins remarked. “Also, the street had been blocked off, which limited access to the business. We had to block the off the driveway.’’

Salon suffers Styles 101 Hair Salon and Barbershop, at 955 Orange Ave., and other businesses in the plaza, were dealing with water problems. On Monday, there were just a few customers in the salon.

According to the owner, a tree fell near the building and broke a

isn’t an isolated incident. It is happening all over the county.’’

commission and the city to keep promises that they made.”

‘Right and wrong issue’

Other problems

At Tuesday’s meeting, Allen Chapel’s homeless coordinator urged the commission to keep its promise to help the homeless.

“It’s not a Black and White issue, but it’s a right and wrong issue. I am sad to see this. I don’t see the homeless as homeless but as humans that are less fortunate,’’ said Edward Barnes. “The city manager told us before the storm if it was anything that we needed to let her know. I ask the

The homeless are upset as well.

“I am upset. I pay taxes. Work takes out my taxes and so does everything I buy. It was shocking for a city official to tell me that I wasn’t welcomed because I am houseless. I’m upset,” Dale Edmonds told the Daytona Times.

The incident has prompted talk about other problems in the city.

Dove expressed, “The Pando-

water pipe.

“We are still recuperating. We have water issues. We’ve hired a plumber who can’t come to later this week. We were without water for some days. Somebody rigged the water back on. We’ve had to turn it on and off,” owner Pat Cadette told the Times.

“We’ve been hit back-to-backto-back with the road construction and two hurricanes. Hopefully, FEMA could be a blessing this time around,” added Cadette.

Seeking disaster help Cadette is looking to the government’s disaster assistance program to help her business recover.

She said, “I am applying for assistance through FEMA (Federal Emergency Management Agency). It’s not guaranteed that we get anything. We’ve tried to get help last year after Hurricane Matthew but didn’t. We even tried to get help when the county repaved Orange Avenue.”

Businesses along Orange Avenue have been hit hard in recent years with a tornado, two hurricanes and road construction.

‘We Got You’ campaign The faith-based community is trying to help.

The Rev. Monzell Ford, a local pastor, kicked off a “Texas, We Got You” campaign last month to help victims of Hurricane Harvey. He has Florida’s victims of Hurricane Irma.

“We need to shift focus from Texas. We’ll be trying to help both. We may be looking at helping to help Puerto Rico as well with the aftermath of Maria,” he told the Times. “We are working and keeping everything in focused. There are still a lot of people who need help. We can also use a lot of help.’’

On Sept. 17, Ford’s Kingdom Minded Worldwide Ministries teamed with Pastor Lisa Polite

ra’s box has opened. I think the hurricane has brought about several issues relating to the city, not just the city manager’s behavior as well as issues regarding the ‘Babe’ James Center and its program. Our responsibility as citizens is to make sure we do our part and we must hold them accountable.”

Westside woes Patricia James-Gray is the daughter of Alonzo “Babe” James.

James-Gray commented, “I’m crying! We have a problem here

and Ministries for Christ Outreach to provide food for those without power during the storm.

“We were able to serve 250 people with bags of groceries with stable food and meat. Pastor Polite even gave money to help some people with their needs,” noted Ford.

Oct. 4 cookout A cookout will be held on Oct. 4 at Mason Commerce Park near the corner of Mason Avenue and Nova Road.

“It’s for those affected by the storm. We want to provide a place for them to sit and eat. We want to get as many people involved in the recovery efforts. ...We just want to show people God’s heart,” added Ford.

Most have power Thousands of customers across Florida remained without power as of Wednesday but locally most power had been restored.

The city manager did have supporters speak on her behalf.

“It is what it is! She was asked a question and she gave a response. It was a mistake and out of context. A lot happened before the incident. It’s a problem. Let’s fix it and move on,” commented Michael Booth, a resident and city employee.

City commissioners also stood

by Brangnaccio Tuesday night.

“I am disappointed after an hour-long attack on our city manager. The good that came out of this is that we can now make changes for the better. We need to pull the city together and move forward,” said Commissioner Judy Reiker.

Commissioner Jason McGuirik echoed, “I apologize for what happened. There is no excuse for it. It’s not what we want to represent here in the City of New Smyrna Beach. We have problems that we can fix. I stand behind our city manager.”

According to Florida Power & Light’s website (www.fpl.com), power has been restored to most customers in Volusia County.

Of the 58,000 customers affected in Flagler, 57,990 customers’ power has been restored.

Of 147,740 customers in Volusia, power had been restored to 147,710 affected as of early.

Wednesday.

Still some closings Around the county most businesses, government buildings and parks have reopened.

The Daytona Beach Regional Library at 105 East Magnolia Ave. on City Island remained closed on Wednesday because of flooding.

The Volusia County tag and title offices as well as other services and offices at 250 N. Beach St. also remained closed on Wednesday.

3 7

M A YNEWS OR

SEPTEMBER 21 – SEPTEMBER 27, 2017 COMMUNITY DECEMBER 14 - 20, 2006

After the storm: Some cleanup tips from city, county Catastrophic forecasts of Hurricane Irma ripped through Palm Coast like other areas – initially a Category 5 hurricane, the largest ever predicted to hit Florida.

But sustaining winds at 105 mph topped off at Category 2.

Palm Coasters opted to evacuate, relocate at shelters, or hunker down waiting out the storm.

Husband Louie and I waited out the storm unscathed.

We welcomed Louie’s cousins Anne Phillips and son Jay, who came by and checked on us.

Plenty family help Louie had carpal tunnel surgery just prior to the storm, but lifted the heavy gas cans for the generator to keep our home running.

Nephew Jay McCarthy waded in our flooded yard areas to remove debris.

Niece Sabrina Weaks and sons Kristian and Kalynn and nephew Camron removed branches from the fallen tree limbs and placed them near the curb.

Sabrina handled the chainsaw with finesse. Louie, overwhelmed by the love of family, said, “Lots of people have families that don’t care about them. It’s sad. But my relatives are saviors!”

City was ready In retrospect, conditions of the storm began to deteriorate Sept.

10. Gusts in the county as high as 75 mph continued through 10 a.m. the following day, according to weather officials – and were characterized by tornadoes and flash flood warnings.

The City of Palm Coast set in motion a charging station in Town Center’s Central Park for cell phone users.

Holland Park was open with power so bathrooms were functional.

Data had been sent from both the City of Palm Coast and the county.

Debris removal To expedite debris removal from residences, the City of Palm Coast asked residents to help by separating everything at the curb in three categories: Vegetative debris - leaves, logs, plants, tree branches, etc.

Construction and demolition debris - building materials, as-

PALM COAST COMMUNITY NEWS JEROLINE D. MCCARTHY

phalt shingles, drywall, lumber, metal, plastics, etc.

Normal household trash - Normal household trash and bagged debris of any kind would not be picked up with debris as part of this program. Residents should continue to follow their normal garbage and yard trash schedule for normal garbage and bagged storm debris.

Debris should be placed on the property near the curb and not on the street.

Vegetative debris should not be piled on the water meter box, the sewer clean-out cap, or the PEP tank lid. The City of Palm Coast may need access to the system during storm recovery.

Residents whose homes were endangered by dead, dying or diseased trees from neighboring properties or public right-ofways should call the City of Palm Coast Urban Forestry at 386-9863758 to report the issue. An inspector will be sent to determine the action that should be taken.

Limited water usage As the wastewater sewer system continues to be taxed because of power outages, the City of Palm Coast advised to limit water usage for showers, flushing, and dishwashing.

The less water that goes into the wastewater system, the less is to be pumped out and trucked to the wastewater treatment plant.

If power is restored and the PEP alarm sounds, residents were advised to limit water usage until the PEP alarm stops. If the alarm continues after 15 minutes, the occupants are to call Customer Service at 386-9862360 to report the problem.

Permits waived: Fees will be waived through Nov. 30 for permits for fences, sheds, soffit/fascia/siding repairs, A/C equipment change-outs, electrical repairs (mast, weather-head, panel, lights), roofing, screen enclosure (aluminum cage) and docks for damage incurred as a result of Hurricane Irma.

ACADEMIC EXCELLENCE FOR BLACK STUDENTS. NO EXCUSES.

PHOTO BY JEROLINE D. MCCARTHY/DAYTONA TIMES

According to the City of Palm Coast, debris removal generated by Hurricane Irma may take several passes through Palm Coast, and the process is expected to take several weeks.

Information on the permits required, when necessary, and timing for acquiring those permits is available at the city’s website: www.palmcoastgov.com. For any clarity regarding the repairs that require a permit, call the Building Division at 386-986-3780.

Any questions pertaining to the City of Palm Coast services – garbage and debris collection, water and sewer, streets, and drainage - should be directed to Customer Service at 386-986-2360.

Investigate contractors The City of Palm Coast also advised that all contractors other than for debris removal and landscaping/tree removal are required to have a license.

Ask to see the license, and take a photo of the license, if possible.

The Palm Coast Building Division can be reached at 386-9863780 to make sure the right license has been issued. Moreover, obtain a written contract before any work is started.

Remove shutters, boards Information from Flagler County states that residents are encouraged to remove their hurricane shutters and boards from windows to prevent fire hazards.

“A fire inside a home with shuttered windows may not be visible until it is too late,” Flagler County Fire Rescue Chief Don Petito said. “It can delay firefighters trying to enter a home that is on fire.”

Flagler County firefighters follow a “vent, enter, search” protocol, which means they will enter room-by-room to search and ensure that everyone is out of a burning structure. Shuttered and boarded-up windows can hinder the process.

“We know folks are tired and

The Rev. Dr. Danita Blow is sworn in as chaplain by Flagler County Sheriff Rick Staly. weary, but please take the time to remove your shutters,” said Flagler County Deputy Fire Chief Joe King.

Disaster assistance The county issued yet another advisory that residents can apply for FEMA Disaster Assistance online or at the Flagler County Assistance Center in the Flagler County Public Library.

Applicants should be prepared to provide: Social Security number (one per household) Address of the damaged home or apartment Description of the damage Information about insurance coverage Telephone number Mailing address Bank account and routing numbers for direct deposits of funds Residents can apply online at www.disasterassistance.gov.

Residents without transportation and who need a ride to apply for FEMA Disaster Assistance should call 386-313-4100.

Minister sworn in as local chaplain The Rev. Dr. Danita Blow was sworn in recently as Flagler County Sheriff’s Department Chaplain.

Flagler County Sheriff Rick Staly swore in Rev. Blow, who is an ordained minister with Master of Divinity and Doctor of Ministry degrees from the Howard University School of Divinity.

Rev. Blow, a motivational speaker, will minister to inmates and provide confidential and nondenominational, spiritual support to the sheriff’s staff and citizen victims of crime or tragedy in Flagler County.

Congratulations, Rev. Blow!

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

Celebrations Birthday wishes to Kwando M. Kinshasa, Sept. 21; Ellen M. Parker, Maynard Howell, Sept. 22; and Mandy Brooks, Sept. 23.

Plenty of activities, information at New Smyrna senior summit

The classic guide from Florida Courier publisher, lawyer and broadcaster CHARLES W. CHERRY II PRAISE FOR ‘EXCELLENCE WITHOUT EXCUSE’: “This guide for African-American college-bound students is packed with practical and insightful information for achieving academic success...The primary focus here is to equip students with the savvy and networking skills to maneuver themselves through the academic maze of higher education.”

– Book review, School Library Journal • How low expectations of Black students’ achievements can get them higher grades; • Want a great grade? Prepare to cheat!

• How Black students can program their minds for success; • Setting goals – When to tell everybody, and when to keep your mouth shut; • Black English, and why Black students must be ‘bilingual.’ …AND MUCH MORE!

www.excellencewithoutexcuse.com Download immediately as an eBook or a pdf Order softcover online, from Amazon, or your local bookstore ISBN#978-1-56385-500-9 Published by International Scholastic Press, LLC Contact Charles at ccherry2@gmail.com

Facebook ccherry2 excellencewithoutexcuse

for info on speeches, workshops, seminars, book signings, panel discussions.

Twitter @ccherry2

The Fourth Annual Senior Summit and Health Fair was held Tuesday at the Alonzo “Babe’’ James Community Center in New Smyrna Beach with 37 vendors from Volusia and Flagler counties participating.

All aspects of health care were covered at the event, which drew about 175 residents from New Smyrna Beach, DeLand, Deltona, Daytona Beach and Ormond Beach.

The Department of Motor Vehicle’s mobile unit was a big hit. The participants also enjoyed chair exercises by Melanie Bonita Enterprises and line dancing by by NSB Moves.

The event ended with a lunch prepared by HH&B Catering, which was sponsored by Island Doctors. The sponsors for this event were The City of New Smyrna Beach, Island Doctors, Walgreens and TD Bank.

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

R4

7 EDITORIAL

SEPTEMBER 21 – SEPTEMBER 27, 2017

Time for a new Poor Peoples’ Campaign and Moral Revival Channeling the incisive analysis of our best historians, TaNehisi Coates cut through the talking points of political pundits last week to name Donald Trump America’s “First White president.”

Writing for The Atlantic, the National Book Award recipient made clear how there could be no Donald Trump without President Obama. The chaos from which the whole world now suffers is a direct result of the backlash against racial progress in America.

Just a symptom To see this is to know that Trump is not our problem. He is only a symptom.

During this time of intensifying political, economic, and moral crisis, with the lives of the most vulnerable and the spirits of all under vicious attack, people in growing numbers around the country are fighting back for their lives, communities and deepest values.

As we respond to invitations from communities across America, we hear a resounding call for a Poor People’s Campaign and Moral Revival in America today.

Fighting ‘triplets’ Fifty years ago, Rev. Dr. Martin Luther King, Jr., and others called for a “revolution of values” in America, inviting people who had been divided to stand together against the “triplets of evil” – militarism, racism, and economic injustice – to insist that people need not die from poverty in the richest nation to ever exist.

He joined with people across the country like Myles Horton of the Highlander Center, Loretta Two Crow of National Welfare Rights, Cesar Chavez of United Farm Workers, Al McSurely of the

BISHOP WILLIAM J. BARBER, II GUEST COMMENTARY

We need a Movement rooted in the moral forces that have demonstrated a capacity to change America.

Appalachian Volunteers, Phillip Bernstein of the Council of Jewish Federation and Welfare, Tillie Walker of the United Indian Scholarship Fund, and John Lewis of the Southern Regional Council. Theirs was a coalition as diverse as America.

We draw on the history, vision and unfinished work of the 1968 Poor People’s Campaign as we embrace the task of reigniting that campaign to unite the poor, disenfranchised, and marginalized across difference to act together. In the aftermath of 2016’s rejection election, we are building a Movement from the states up, to unleash what Dr. King called “a new and unsettling force in our complacent national life.”

Work must be done This Campaign has emerged from more than a decade of work by grassroots community and religious leaders, organizations and movements fighting to end systemic racism, poverty, militarism, environmental destruction and

‘There is none so blind’ Throughout the history of humankind, there have been incorrect explanations and theories for the cause of natural events.

Ancient Greeks and Romans thought that lightning bolts were thrown to Earth by angry gods.

They thought that volcano eruptions resulted from the overflow of forges from blacksmith gods working below the surface of the Earth. The Chinese believed that a solar eclipse was explained by a large dragon eating the sun. In the broader scheme of things, only recently have we dispelled the belief that the Earth was flat.

Psychological need These beliefs result from the innate human requirement to give reason to common occurrences. Knowing why something happened or being able to give it a “satisfactory” explanation ap-

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

pears to provide a much-needed sense of psychological security.

We have been blessed with the ability to accumulate knowledge and interpret information. As we have amassed empirical data and our cache of knowledge has increased, we have developed more accurate and valid explanations for the aforementioned natural events. Those revelations are given to us by the division of study we designate as “natural science.”

We now know that lightning results from the discharge of static electricity generated by the

Reinstate DACA and protect Dreamers An overwhelming majority of voters – about 85 percent – are opposed to deporting immigrants who are eligible for the Deferred Action for Childhood Arrivals program. These “Dreamers,” as they are known, were brought into the United States as children, most of them younger than seven. About 90 percent of Dreamers are employed; more than 70 percent have attended college.

An open letter signed by more than 1,800 governors, attorneys general, mayors, state representatives, judges, police chiefs and other leaders states, “We believe it is a moral imperative that the administration and the country

related injustices and to build a just, sustainable and participatory society.

We would need to do this work even if Trump had not been elected. But the blatant extremism of this administration only serves to amplify the need.

The twin forces of White supremacy and unchecked corporate greed continue to gain more power and influence, both in statehouses across this nation and at the highest levels of our federal government. Today, one in every two Americans are poor or lowincome, while millions of children and adults continue to live without access to healthcare, housing, clean water, or good jobs.

Margins of morality At the same time, the issues of poverty and racism have been forced to the margins of our moral narrative and claims that a limited focus on personal morality should overshadow and supplant a commitment to public morality rooted in a critique of greed, racism, and injustice.

Our campaign aims to build a broad and deep national moral movement – rooted in the leadership of poor people and reflecting the great moral teachings – to unite our country from the bottom up.

For years, we have seen a kind of attention violence towards issues of systemic racism, poverty, and militarism. There was a time when our nation was fighting a war against poverty; now, it seems, we are waging a war on the poor.

Our social fabric is stretched thin by widening income inequality, while politicians criminalize the poor, fan the flames of racism and xenophobia to divide the poor, and steal from the poor

earth engaging the atmosphere.

We know that volcanoes erupt and release liquid rock through the surface or mantle of the earth. Because of our recent solar eclipse, most of us know they result from the moon casting its shadow on Earth as it passes between it and the sun. With photographic evidence, we’ve even come to know that the Earth is round and not flat.

Powerful tools Because of Hurricanes Harvey and Irma, most Americans are aware of the satellite imagery that has allowed us to predict and prepare for their devastation and destruction. Through the “magic” of natural science, we accurately plot their path, intensity and duration. You should be grateful that we have these tools in our arsenal to fight for the preservation of life.

A body of evidence, both empirical and coincidental, supports the theory that the hu-

know we are with them. We also join together to send our assurances to Dreamers: we see you, we value you, and we are ready to defend you.”

acquiesced to 10 state attorneys general who threatened to sue if it did not end the program. But even President Trump does not want to deport Dreamers.

“Does anybody really want to throw out good, educated and accomplished young people who have jobs, some serving in the military?” he wrote on Twitter.

“Really!.....”

Sadly, many of the people who voted for him do, and voted for him because he said he would do it. But even among the most hardcore supporters of the President, those who say they “strongly approve” of his performance, only a third favor deportation of Dreamers.

Some opposition

Hard to understand

Despite widespread support for allowing Dreamers to remain, the Trump administration has

With this kind of support, it’s hard to understand why 800,000 hard-working, law-abiding con-

MARC H. MORIAL TRICE EDNEY NEWS WIRE

VISUAL VIEWPOINT: THE ‘DO-NOTHING’ CONGRESS

RICK MCKEE, THE AUGUSTA CHRONICLE

to give tax breaks to our richest neighbors and budget increases to a bloated military.

The Poor People’s Campaign: A National Call for Moral Revival will strategically connect and grow different struggles and lift up and deepen the leadership of those most affected to transform the political, economic and moral structures of our society.

The Campaign will push forward concrete demands, build unity across lines of division, and draw on art, music, and religious traditions to challenge the dominant narrative that blames poor people for poverty.

Years to accomplish This will necessarily be a multiyear undertaking. This fall and winter we are touring the country to publicly launch the campaign with partners who have been working across race and class lines in their own communities. Next spring, we plan to begin engaging in highly publicized civil disobedience and direct action over a six-week period in at least 25 states and the District of Columbia.

man footprint is a causal factor of more severe weather events.

From storms to droughts and the resulting topographic change to the earth’s surface, we are affected. Unfortunately, there are those who, while accepting the scientific accuracy of our weather forecasts, will not accept the reasoned judgment of those who have determined humankind as the cause for the increased frequency and destructive nature of these weather events.

Why is scientific evidence rejected so vehemently? I conclude that the economic interests which influence or control political decisions wield greater power than the political interest in our future, as evidenced by the loosening of regulations protecting our water and air. We have surrendered the effort to reduce “greenhouse gases” to corporate control. Our nation has withdrawn from a global effort to confront the impact of climate change.

tributing members of society are in danger of being wrenched from the only country they’ve ever known. Many do not even speak the language of the countries of their birth.

In addition to the human catastrophe deportation of Dreamers represents, the U.S. would lose about $460 billion in GDP over the next 10 years and about 700,000 people could lose their jobs.

Earlier this month, 15 states and the District of Columbia filed a suit seeking to stop the repeal of DACA. Last week, California filed a separate lawsuit, which was joined by Maine, Minnesota, and Maryland. Meanwhile, President Trump has struck a tentative agreement from the House and Senate Minority Leaders to support legislation protecting Dreamers in exchange for enhanced border security

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

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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

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Our goal is to force a serious, national examination of the enmeshed evils of systemic racism, poverty, militarism and environmental devastation during a key election year, while strengthening and connecting informed and committed grassroots leadership in every state. We are building power to continue this fight long after June 2018.

A precise diagnosis is key, but naming the problem is never enough. We need a Movement rooted in the moral forces that have demonstrated a capacity to change America. At such a time as this, we need a Poor People’s Campaign and Moral Revival to help us become the nation we’ve not yet been.

Bishop William J. Barber, II, is President of Repairers of the Breach, co-chair of the Poor People’s Campaign: A National Call for Moral Revival, and author of “The Third Reconstruction.” Follow him on Twitter @ RevDrBarber. Follow Repairers of the Breach at @BRepairers. Click on this commentary at www.daytonatimes.com to write your own response.

Willful blindness There is an old adage, “There is none so blind as he who will not see!” Those in the highest positions of government and corporate responsibility have selected “blindness,” to worship at the feet of profit and greed, much to the detriment of the health and welfare of our citizens. They have chosen to push our environment to the brink of its sustainability.

Years ago a great prophet, Marvin Gaye, asked the question about our earth. “Mother, mother, mother! How much more abuse can you stand?” That same question should be asked today!

Dr. E. Faye Williams is national chair of the National Congress of Black Women, Inc. Contact her via www.nationalcongressbw.org. Click on this commentary at www.daytonatimes.com to write your own response.

Trusted the government While there is a chance that deportations of Dreamers will not occur, it’s shameful that they should be in a position to fear it at all. Dreamers trusted the United States government in enrolling in the program. Now that very trust could be used against them.

There is no justification for ending the program even as a legislative solution is sought.

We urge Congress to immediately pass legislation protecting Dreamers and call upon the Trump administration to reinstate DACA so no Dreamer has to fear deportation from the home they love.

Marc Morial is president and CEO of the National Urban League. Click on this commentary at www.daytonatimes. com to write your own response.

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

5 7

M ANATION YOR

SEPTEMBER 21 – SEPTEMBER 2017 DECEMBER 14 - 20,27, 2006

Forum addresses racism on college campuses while ignoring the more subtle and systemic forms,” said Gobar.

“It is important to condemn the most visible elements of White supremacy, but we must further address these subtle and systemic forms.”

BY LAUREN VICTORIA BURKE AND FREDDIE ALLEN NNPA NEWS SERVICE

Congressional Democrats, led

by Rep. Bobby Scott (D-Va.), the ranking member on the House Committee on Education and the Workforce and Rep. John Conyers (D-Mich.), the ranking member on the House Judiciary Committee, recently hosted a forum on Capitol Hill titled “Affirmative Action, Inclusion, and Racial Climate on America’s Campuses.”

Conyers said that recent signals from the Justice Department hint at a change in administration policy and new attacks on affirmative action programs.

“This is not the time for the federal government to retreat from protecting equality in higher education,” said Conyers.

Feeling scared, unwelcome

Title VI role Student leaders, college diversity officials, and legal experts discussed the role of Title VI of the Civil Rights Act of 1964 in ensuring that students are welcomed to a safe, inclusive learning environment free of harassment and intimidation on the basis of race, color, or national origin.

Title VI “was enacted as part of the landmark Civil Rights Act of 1964. It prohibits discrimination on the basis of race, color, and national origin in programs and activities receiving federal financial assistance,” according to the Justice Department.

“Title VI remains a critical tool in eliminating discrimination in schools,” said Sherrilyn Ifill, the president and director-counsel of the NAACP Legal Defense and Education Fund. “It was a tool that was originally shared by the Department of Justice and by private plaintiffs.”

Ifill continued: “Now, we’re faced with an administration that is hostile towards civil rights— hostile to the Office of Civil Rights, itself.”

PHOTOS BY FREDDIE ALLEN/AMG/NNPA

Rep. John Conyers (D-Mich.) recently co-hosted a forum about racism on college campuses on Capitol Hill.

More funding sought Systemic problems require systematic solutions, said Gobar.

Gobar noted that Black student enrollment at the University of Virginia is only 6.4 percent and recommended more funding for existing scholarships, financial aid and fellowships that target underrepresented groups.

He also advocated for increasing the funding for organizations that serve minority populations on campus.

“The status quo can longer be acceptable,” Gobar said.

College president responds Ifill said that even though the Supreme Court of the United States affirmed the constitutionality of the merits of affirmative action, Attorney General Jeff Sessions is preparing a unit in the Department of Justice to challenge the law at colleges and universities across the nation.

In the wake of violent protests and the White nationalists’ rally in Charlottesville, University of Virginia President Teresa Sullivan testified at the forum on what the university has done in the past and is trying to do in the future to promote diversity.

Sullivan referenced past acts of naming various locations on campus after African-Americans.

On Aug. 11, hundreds of torchbearing White supremacists marched across the campus of the University of Virginia to protests the removal of a Confederate monument from a public park.

“Let me be perfectly clear,” said Sullivan. “We’re not interested in having those folks back.”

Hearings, legislation

Above left: Congressman Bobby Scott (D-Va.) was a host of the forum. Above right: Sherrilyn Ifill, president and director-counsel of the NAACP Legal Defense and Education Fund, gave remarks during a forum on racism on college campuses on Capitol Hill.

Not prepared?

Sullivan, Mayor Michael Signer, and the Charlottesville City Council have been criticized for not being more prepared for the “Unite the Right” rally and violence and mayhem that erupted in the small college town.

The gathering was billed, weeks beforehand online, as one of the largest gatherings of White supremacists in U.S. history. One protester was killed and two Virginia state troopers died in a helicopter crash in Charlottesville

over that weekend.

Taylor Dumpson, the student government president at American University and Weston “Wes” Gobar, the president of the Black Student Alliance at the University of Virginia also delivered remarks during the forum. Both student leaders documented specific incidents of racism on their campuses.

Subtle, systemic Dumpson was the target of a series of racist acts in May when

someone hung bananas in nooses around American University’s campus; some of the bananas were marked with “AKA,” the letters of Dumpson’s sorority, Alpha Kappa Alpha. The incident occurred a day after Dumpson was elected the first AfricanAmerican female student body president.

“In America we tend to think of racism and White supremacy in the most blatant and hateful individuals and forms of discrimination like the [Ku Klux Klan], Neo-Nazis, and the alt-right,

Maryland HBCU hires first woman president

BY LAUREN POTEAT NNPA NEWSWIRE

In her historic role as Bowie State University’s first female president, Dr. Aminta Hawkins Breaux said that she’s ready to lead the top 25 HBCU into the school’s next phase of growth and development.

Following the celebrated legacy of Dr. Mickey L. Burnim, the former Bowie State president that served the institution for nearly 11 years, Breaux said that she is thrilled and honored to accept the leadership role.

“When I look at issues that African-American women have faced in this country, it makes me realize how very proud I am to get to this point,” Breaux said about serving as BSU’s first female president.

“I have received so much positive feedback from faculty, students and staff and recognize that this is a huge responsibility that is very exciting and I wholeheartedly serve in leadership role with great distinction.”

Gobar said that he’s heard racial slurs and racists comments that were yelled by White supremacists during the rally in August, repeated in hushed tones on campus. He also has seen anonymous posts written online calling Black students “monkeys’] and messages written in chalk on campus suggesting that Black people have lower IQs than White people.

“At a recent student council meeting, one student said that, ‘Thomas Jefferson raped Black women, but so did everyone else at the time,’” Gobar recalled.

Gobar continued: “Well, before August 11 and 12, this has been the climate for students of color at the University of Virginia and this climate has served as an unnecessary burden towards our learning experience.”

The student leader said that many incoming students of color now feel scared and unwelcomed at the University of Virginia after the events of Aug. 12.

“To tell the truth, this is a nearly constant feeling on campus,” Gobar. “There are pervasive incidents of harassment like this every year and they are by no means isolated.”

cilities, it is always good to let students see other role models at higher levels doing great things.

You know, you have to give students that goal and let them see that they can get to that point.”

Breaux continued, “I am looking forward to partnering with Prince George’s Community College, in particular, and reaching back to K-12 institutions in order to ensure that these students are prepared to come into our university and succeed.”

Her initiatives Though Breaux has only officially been in office since July 1, the former vice president for advancement at Millersville University in Pennsylvania has already started to outline new initiatives.

Heavily involved with community building, Breaux noted that she wanted to enrich the neighborhoods surrounding the university while preparing students for the ever-changing workforce.

“Partnerships are going to be extremely important. We want to reach out to our business leaders and the rest of our community and help them see the value that our students and faculty bring to this area,” Breaux said. “This campus is filled with rich opportunity and initiatives and strong academic programs, but we are also a part of a larger scheme.

She continued, “Initially, I want people to know that we are a part of this community...We want to begin looking at our business community, business leaders and partnering with businesses

Ifill recommended that congressional lawmakers conduct oversight hearings to ensure that the Justice Department properly enforces Title VI and that lawmakers exercise budget authority to fully fund the enforcement of civil rights laws, including the Civil Rights Act of 1964, the Every Student Succeeds Act of 2015, Title IX and section 504 of the Rehabilitation Act of 1973.

Ifill also recommended that Congress pass legislation that will provide vigorous civil rights protection, like Equity and Inclusion and Enforcement Act, (H.R. 2486), co-sponsored by Reps.

Scott, Conyers, and Alma Adams (D-N.C.) and Gregorio Kilili Camacho Sablan (D-North Mariana Islands) “LDF’s commitment to promoting equitable educational opportunities for America’s students has endured for decades,” said Ifill. “We have no intention of rolling back our commitment to that.”

Other experience

BOWIE STATE UNIVERSITY

Dr. Aminta Hawkins Breaux, center, recently became the first female president of Bowie State University in Bowie, Md. in the area to make sure that we are preparing our students for the workforce...not just for today, but for tomorrow.”

K-12 outreach Though the university is fully equipped with state of the art facilities including a Fine and Performing Arts Center that opened in 2012 and an elaborate Center

for Natural Sciences, Mathematics and Nursing that opened this year, Breaux said that this only just the beginning of a long-term focus on K-12 institutions and community colleges, as well.

“I envision our students mentoring and bringing different K-12 and community college students to our campus,” said Breaux. “With state of the art fa-

In addition to her work at Millersville University, Breaux also was dean of students at the University of the Sciences in Philadelphia from 2000 to 2008 and assistant provost of Drexel University from 1998 to 2000.

She holds a bachelor’s degree in psychology from Temple University, a master’s degree in psychological services in education from the University of Pennsylvania, and a doctorate in counseling psychology from Temple University.

She is also a graduate of the Harvard Institute for Executive Management and the American Association for State Colleges and Universities Millennium Leadership Institute.

R6

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7

M ASPORTS YOR

SEPTEMBER DECEMBER 21 – SEPTEMBER 27, 2017 14 - 20, 2006

ADRIAN BROWN/HALIFAX ACADEMY

Halifax Academy’s football and basketball players take a break. They were cleaning up yards at homes on Vera Street in Daytona Beach.

Local prep teams help with Irma recovery

BY ANDREAS BUTLER DAYTONA TIMES

As the community recovers from Hurricane Irma, local prep teams are lending a helping hand.

On Saturday, the Mainland High School boys’ basketball team cleaned up at the Windsor Apartments, located at 524 S. Beach St. “I just felt that we needed to do something and when the opportunity came for us to help we jumped on it. I think that it was great for our kids. Our motto is ‘Boys to Men,’ said Joe Giddens, Mainland’s head basketball coach.

“It was a great way to show our players how to give back and to serve others instead of receiving. Life is bigger than basketball.”

Put smile on faces The Windsor Apartments are low-income housing units owned by the Daytona Beach Housing Authority.

The team picked up debris outside of the building and cleaned the lobby.

“It was great for us to have that experience.

We got to help others and put a smile on their faces,” said senior guard Tony Robinson.

Halifax cleans up too Halifax Academy in Daytona Beach also did a cleanup with its football and boys basketball teams on Sept. 14.

“We wanted to get the kids together. After the hurricane, this was a way to show our kids humility and despite whatever they are going through there are others going through something worse, said Halifax Academy’s Athletics Director Shamus Dougherty.

“It’s also good for them to learn to help others and that there is more to life other than sports and school,’’ added Dougherty, who also is the head coach for the boys’ football and basketball teams.

Two locations Halifax split its players up two different locations.

One group cleaned up a flooded house and took down wet drywall on Shockney Drive in Ormond Beach.

The other group cleaned debris at houses on Vera Street in Daytona.

“It felt good for us. It was a team-bonding experience. It was also good for us to help someone else. We all have been helped at one time or another. The community has even helped our team with donations at times,” said Khyree Isaac, Halifax’s senior wide receiver and defensive back.

Football returns High school football is back after Hurricane Irma knocked out games for two consecutive weeks.

On Monday, many teams hit the practice field after long layoffs.

“We have been doing workouts and watching film at the school in recent days. During the extra time off, coaches are trying to regroup and refocus. We are also trying to get the kids refocused,” stated Dougherty.

Not much practice Some teams played makeup games leading them to playing two games during the week.

“It’s definitely different as far as our weekly rhythm and routine. We had two days of practice for Matanzas,’’ said Seabreeze High Head Coach Mark Coke.

“Kids have the day off today so coaches can meet then two days and go play again. Obviously, fatigue and being fresh is a concern.

But it is what is. We just have to make the best of it,” Coke said on Tuesday.

Seabreeze fell to Matanzas (Palm Coast) 41-0 on Monday and will host Titusville Astronaut on Sept. 22.

New Smyrna Beach hosted Deltona on Wednesday, after the Daytona Times’ deadline. The game was originally moved from Sept. 15 due to the storm.

KARSCEAL TURNER/MAINLAND HIGH SCHOOL

Mainland High School’s basketball team spent their time off doing community work.

HIGH SCHOOL SPORTS District games On Tuesday night, Spruce Creek (Port Orange) defeated Jacksonville Sandalwood 3313, DeLand fell to Jacksonville Mandarin 213 and Pine Ridge (Deltona) topped Atlantic (Port Orange) 56-22.

The games were originally slated for Sept.

15. They were mainly made up because they were district games. A new playoff format is critical to the teams’ post-season chances.

All teams are scheduled to play on Friday although New Smyrna moved its home game with Atlantic to Saturday.

This week’s top games Mainland (1-1) at Orlando Dr. Phillips (2-0): The Buccaneers beat the Panthers last season, who went on to win the Class 8A state championship. Dr. Phillips is ranked second in Class 8A while Mainland is sixth in Class 6A. It’s a tall task for Mainland who gets to see how close they are to competing for a state title. The game is also being televised on Spectrum TV sports channel 1147.

Spruce Creek (2-0) at Haines City (1-2): The Hawks hit the road again and face a formidable opponent just after facing a tough district foe earlier in the week.

University (0-1) at Altamonte Springs Lake Brantley (0-1): This is a big district game for the University Titans who want to finally make it to the postseason.

Warner (1-0) at Lakeland Victory Christian (1-0): A big test for the Eagles as they face the No. 5 team in Class 2A. This would be a big win for Warner and it would give the school a lot of points in the region toward earning a playoff spot.

Palatka (1-3) Flagler Palm Coast (20): The Flagler Palm Coast Bulldogs have a chance to start the season at 3-0.

DeLand (0-2) at Pine Ridge (1-1): Both teams haven’t won a lot in recent years. This could be a competitive one and probably one of the better games.

ADRIAN BROWN/HALIFAX ACADEMY

Halifax Academy football and basketball players help fix drywall in a home in Ormond Beach.

Prep Sports Seven football rankings 1. Mainland (1-1), 2. Spruce Creek (2-0), 3.

University (0-1), 4. Deltona (1-1), 5. Flagler Palm Coast (2-0), 6. Taylor (2-0), 7. Warner (1-0).

KARSCEAL TURNER/MAINLAND HIGH SCHOOL

Mainland High Buccaneers pick up debris at the Windsor Apartments.

R8

7PERSONAL FINANCE

SEPTEMBER 21 – SEPTEMBER 27, 2017

When to save before paying debt

DREAMSTIME/TNS

The best solution could be to strike a balance between saving and paying off debt.

Pay down debt first or build up savings?

Here’s how to choose which way to go

BY AMY FONTINELLE BANKRATE.COM/TNS

Simple math suggests it’s likely better to get rid of debt before saving for retirement or adding to your emergency fund.

In general, if the interest you pay is higher than the interest you earn, you’re losing money.

But personal finance decisions are rarely so simple, and ditching debt first isn’t the right choice for everybody. For example, it can mean not having emergency sav-

ings to fall back on — setting you up to take on more debt when an unexpected expense hits.

Here are scenarios for when each choice — paying down debt or saving — makes more sense.

When to pay debt before saving When you have high-interest consumer debt, paying it down first can help you solve ongoing problems with managing your money.

You’ll get a guaranteed “return” by cutting your interest payments. It’s typically more than you’d earn in the stock mar-

ket and definitely more than you’d earn in a savings account.

Identify your expendable income, create a budget based on that number and include paying down debt as a significant part of the equation.

Consider opening a balance transfer credit card, which can allow you to consolidate all of your credit card debt onto one low-rate card and save you money on finance charges.

Kevin Smith, executive vice president of wealth management for Smith, Mayer & Liddle, says it generally makes sense to emphasize debt reduction, though there can be exceptions.

“Paying down a traditional loan like a mortgage or student loan only reduces the outstanding principal and related interest costs,” Smith says.

Making extra payments will save you money in the long run, but in the short term, it doesn’t cause your lender to recalculate and lower your monthly payments.

When deciding whether to pay off tax-deductible debt versus saving, don’t worry about losing a tax deduction if you pay off the debt. The deduction is probably worth less than the annual interest you would have paid on the loan.

There are a number of good reasons to save first and pay later, but the top reason is to build your emergency fund.

If your debt has a very low interest rate, it may make sense to save first, says Melissa Joy, a financial planning professional, partner and director of wealth management at the Center for Financial Planning in Southfield, Mich.

“If you don’t have any savings, focusing solely on paying debt can backfire when unexpected needs or costs come up.

You might need to borrow again, and debt can become a revolving door,” she says.

Experts recommend building an emergency fund of three to six months’ worth of expenses and stashing it in a savings account.

Compare savings accounts to find one that pays a decent return.

Another situation where it makes sense to save before paying debt is if you have access to a retirement savings plan through your job, especially if there’s an employer match available. Try to contribute at least enough to get the maximum employer match.

Putting off saving for retirement until you are debt-free could cost you your most valuable asset: time. With compounding interest, even small contributions to your retirement plan can grow significantly.

Best of both worlds?

The best solution could be to strike a balance between saving and paying off debt.

You might be paying more interest than you need to but having savings to cover sudden expenses like car repairs will keep you out of the debt cycle.

Additionally, having sufficient savings provides peace of mind. Some people are unlikely to feel at ease with any strategy, no matter how financially logical, that causes their savings to fall below a level that feels right to them. For them, saving and paying down debt at the same time might be the best approach.

Visit Bankrate online at http:// www.bankrate.com.

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