Consumer Advocate 6 by IQ Inc.

An NNRA Publication. Visit www.myiqinc.com

THE

CONSUMER ADVOCATE

VOL. 1 NO.6

Knee Deep In Debt ...see page 4

Finding Health Insurance ...see page 8

FREE PUBLICATION

Money for Your Business: The EB5 Program BY BRIAN FIGEROUX, ESQ. FOUNDER/CHAIRMAN & CEO, NACC

he New American Chamber of Commerce (NACC), the African American International Chamber of Commerce (AAICC) and the New York Statewide Coalition of Hispanic Chambers of Commerce (NYSHCC), invite business

owners or potential business owners with a business plan to a discussion on funding/ capitalizing your business through EB5 investments or building a business relationships with foreign investors through the E-2 Investor Program. This discussion, seminar, will be held on Tuesday, December 11, 2012, at 5pm, at 26 Court Street, Brooklyn, NY, Suite 701. The seminar will also include information about the Chamber’s upcoming trip(s) to China. Like many countries, the United States provides a means of entry for investors to the U.S., through EB5 and E2 investments programs. (See the Immigration and Nationality Act, at I.N.A. § 203(b)(5),8 U.S.C. § 1153(b)(5).) Listed at the State Department as the employment Fifth Preference or EB-5 immigrant visa, it allows temporary residence immediately upon entry to the U.S. However, applicants for a U.S.

continued on page 2

NACC Launches 2013 Multicultural Business & Minority Franchise Expo

Your Money Has A Lifespan, Too ...see page 14

Communicating During An Argument ...see page 17

BY MARILYN SILVERMAN

rooklyn, NY: The New American Chamber of Commerce (NACC), a membership organization established in October 2005, with the mission of advancing, promoting and facilitating the success of minority businesses is pleased to announce its Annual Multicultural Business & Minority Franchise Expo on Thursday, June 20 2013, at the New York Marriott at the Brooklyn Bridge, 333 Adams Street, downtown Brooklyn. All businesses, chambers, entrepreneurs, budding and current of all ages, professionals, non-

continued on page 5

Why you should join NACC ... see page 16

$20 Million for 10 Public-Private Partnerships

he Obama Administration recently announced that 10 public-private partnerships across America will receive $20 million in total awards to help revitalize American manufacturing and encourage companies to invest in the United States. The 10 partnerships were selected through the Advanced Manufacturing Jobs and Innovation Accelerator Challenge, which is a competitive multiagency grant process announced in May 2012 to support initiatives that strengthen advanced manufacturing at the local continued on page 12

Start your business today!

Call 718-222-3155 for a FREE Small Business Consultation

Brian Figeroux, Esq.

For FREE Passes to the NACC Multicultural Business & Minority Franchise Expo

Text MYNACC to 41411

IN THE NEWS

Money for Your Business: The EB5 Program continued from page 1

green card based on investment must not only invest between $500,000 and $1million in a U.S. business, and hire ten Americans, they must take an active role in that business, though they don’t need to control it. Green cards for investors are limited in number, to 10,000 per year. Of these, 3,000 are reserved for investors in rural areas or areas of high unemployment. If more than 10,000 people were to apply per year, you would be placed on a waiting list based on your Priority Date, the day you filed the first portion of your application.

Here are some of the advantages and limitations to an investment-based green card for the investor: nUSCIS rejects many more applications than it accepts in this category. That is partly because the eligibility requirements are narrow, and partly because of the category’s history of fraud and misuse. Some lawyers counsel their clients to use their wealth to fit themselves into another category with a greater chance of success. For example, by investing in a company outside the United States that has a U.S. affiliate, the person might qualify to immigrate as a transferring executive or manager (priority worker, in category EB-1).

nAs long as you have money to invest and can demonstrate that you are in the process of investing it in a for-profit business, you

2 yourself do not need to have any particular business training or experience. Nor does the law restrict entry to applicants from certain countries, although the immigration authorities are more suspicious when dealing with applicants from countries that have exhibited a pattern of fraudulent applications. nYou can choose to invest your money in a business anywhere in the U.S., so long as you maintain your investment for at least three years and are actively engaged with the company you invest in.

nAfter approximately the first three years, you can work for another company or not work at all.

nYou must actually live in the United States — you may not use the green card only for work and travel purposes. nYour spouse and unmarried children under the age of 21 can get green cards as accompanying relatives.

nYour green card will initially be only conditional—that is, it will expire in two years, after which you will need to apply to renew it and make it permanent. As with all green cards, yours can be taken away if you misuse it. If you want to a build a relationship with an EB5 investor, issues you should be aware of:

nGreen cards through investment are available to someone who invests a minimum of $1 million in creating a new U.S.

business or restructuring or expanding one that already exists.

nWhere you got the money in the first place does not matter. Gifts and inheritances, for example, are fine. The key is that you obtained the money lawfully.

nThe required dollar amount of the investment may be reduced to $500,000 under certain circumstances. USCIS also has the authority to require a greater amount of investment than $1million. This may occur when the investor chooses to locate the business in an area that’s doing well economically, with low unemployment. At present, USCIS policy is to not raise dollar investment requirements on this basis.

nThe business in which you invest must employ at least ten full-time workers (not counting independent contractors), produce a service or product, and benefit the U.S. economy. Full-time employment is defined as requiring at least 35 hours of service per week.

nThe investor, his or her spouse, and any children may not be counted among the ten employees. Other family members may be counted, however. The ten workers do not necessarily have to be U.S. citizens, but they must have more than a temporary (nonimmigrant) U.S. visa. Green card holders and any other foreign nationals who have the legal right to indefinitely live and work in the U.S. can all be counted toward the required ten.

It’s also important to realize that you won’t be able to send the money, sit back, and await your green card. The investor must be actively engaged in the company, either in a managerial or a policy-forming role. (See the Code of Federal Regulations at 8 C.F.R. § 204.6(j)(5).) Passive investments do not ordinarily qualify you for a green card in this category. The investment must be made in a new commercial enterprise. You can either create an original business, buy a business that was established after November 29, 1990, or buy a business and restructure or reorganize it so that a new business entity is formed. There are two exceptions to the rule that the investment must be in a “new” commercial enterprise. The first exception is that you can buy an existing business and expand it. You would need to increase either the number of employees or the net worth of the business by at least 40%. You would also need to make the full required investment ($1 million or $500,000 depending on location) and you would still need to show that your investment created at least ten full-time jobs for U.S. workers. The second exception to the “new” commercial enterprise rule is that you can buy a troubled business and save it from going under. To do this, you would need to show that the business has been around for at least two years and has had an annual loss of 20% of the company’s net worth at some point over the 24 months leading up to the purchase. You must still invest the full required amount, but you are not required to show that you created ten jobs. Instead, you would need to show that for two years from the date of purchase, you employed at least as many people as were employed at the time of the investment. l

For more information visit: www.mynacc.org

October is National Cyber Security Awareness Month

Secure Commerce Webinar for Small Businesses

mall businesses help drive the U.S. economy, but because of their size they are also appealing cyber targets. The reality is that small businesses represent more than 90 percent of all the merchant data breach compromises that VISA investigates. As part of National Cyber Security Awareness month, VISA is hosting a webinar on small merchant data security to help arm merchants with the knowledge they need to better protect themselves from online and other threats. In this webinar, we will cover data compromise trends and simple strategies small businesses can employ to help protect their data. Just like insurance, financing and a well-trained staff, data security is essential to helping your business grow and succeed. l When: Tuesday, October 30, 10 am PT/1 pm ET. Register at www.mynacc.org

President Obama Needs Your Help!

Volunteer to ensure his re-election Visit

www.barackobama.com to sign up and get more

information on how you can help.

The time for action is NOW! ARE YOU IN?

ABOUT US

3 THE CONSUMER ADVOCATE TEAM

Publisher I.Q. INC.

Editor-in-Chief Pearl Phillip

Contributors Brian Figeroux, Esq Marilyn Silverman Heather Palenschat Winston Wei Walter Ewing Jennine Estes Ben Winograd M. Starita Boyce Ansari Margo Carmichael Lester Legal Advisor Brian Figeroux, Esq.

Graphic & Website Designers Praim Samsoondar Samantha Rosero Lana Delgadillo Marketing Executives Marilyn Silverman Ruth McSween Beverly Whint

Corporate Office 26 Court Street, Suite 701 Brooklyn, NY 11242 Tel: 718-771-0988 Fax: 718-222-3153 Email: cariaweekly@aol.com Website: www.mynacc.org

The Consumer Advocate is a publication of the New American Chamber of Commerce (NACC), a 501 (c)(6) organization established to promote, advance and facilitate the success of New American businesses. While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with

CONFERENCE ROOM RENTAL

(includes projector and podium)

Prime Downtown Brooklyn Space

Call 718-771-0988 ext 112!

Visit www.mynacc.org

FORECLOSURE & BANKRUPTCY

Knee Deep in Debt

aving trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You're not alone. Many people face a financial crisis sometime in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse. If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt settlement is yet another option. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.

Self-Help 1. Developing a Budget: The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Start by listing your income from all sources. Then, list your "fixed" expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums. Next, list the expenses that vary — like entertainment, recreation, and clothing. Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest. The goal is to make sure you can make ends meet on the basics: housing, food, health care,

insurance, and education. 2. Contacting Your Creditors: Contact your creditors immediately if you're having trouble making ends meet. Tell them why it's difficult for you, and try to work out a modified payment plan that reduces your payments to a more manageable level. Don't wait until your accounts have been turned over to a debt collector. At that point, your creditors have given up on you. 3. Dealing with Debt Collectors: The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or while you're at work if the collector knows that your employer doesn't approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact. 4. Managing Your Auto and Home Loans: Your debts can be unsecured or secured. Secured debts usually are tied to an asset, like your car for a car loan, or your house for a mortgage. If you stop making payments, lenders can repossess your car or foreclose on your house. Unsecured debts are not tied to any asset, and include most credit card debt, bills for medical care, signature loans, and debts for other types of services. Most automobile financing agreements allow a creditor to repossess your car any time you're in default. No notice is required. If your car is repossessed, you may have to pay the balance due on the loan, as well as towing and storage costs, to get it back. If you can't do this, the creditor may sell the car. If you see default approaching, you may be better off selling the car yourself and

paying off the debt: You'll avoid the added costs of repossession and a negative entry on your credit report. If you fall behind on your mortgage, contact your lender immediately to avoid foreclosure. Most lenders are willing to work with you if they believe you're acting in good faith and the situation is temporary. Some lenders may reduce or suspend your payments for a short time. When you resume regular payments, though, you may have to pay an additional amount toward the past due total. Other lenders may agree to change the terms of the mortgage by extending the repayment period to reduce the monthly debt. Ask whether additional fees would be assessed for these changes, and calculate how much they total in the long term.

Debt Relief Services Credit Counseling: If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But be aware that, just because an organization says it's "nonprofit," there's no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, which may be hidden, or urge consumers to make "voluntary" contributions that can cause more debt.

Debt Management Plans If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency may recommend that you enroll in a debt management plan (DMP). A DMP alone is not cred-

it counseling, and DMPs are not for everyone. You should sign up for one of these plans only after a certified credit counselor has spent time thoroughly reviewing your financial situation, and has offered you customized advice on managing your money. Even if a DMP is appropriate for you, a reputable credit counseling organization still can help you create a budget and teach you money management skills.

Tax Consequences Depending on your financial condition, the amount of any savings you obtain from debt relief services can be considered income and taxable. Credit card companies and others may report settled debt to the IRS, and the IRS considers it income, unless you are "insolvent." You are insolvent when your total debts are more than the fair market value of your total assets. Insolvency can be fairly complex to determine — please talk to a tax professional if are not sure whether you qualify for this exception.

Protect Yourself Be wary of any debt relief organization that: < charges any fees before it settles your debts < pressures you to make "voluntary contributions," another name for fees < touts a "new government program" to bail out personal credit card debt < guarantees it can make your unsecured debt go away < tells you to stop communicating with your creditors < tells you it can stop all debt collection calls and lawsuits < guarantees that your unsecured debts can be paid off for just pennies on the dollar.

FREE BANKRUPTCY CONSULTATION

continued on page 8

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

STOP Creditors’ Harassment! STOP Lawsuits!

STOP Foreclosures!

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

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

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

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

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

26 Court Street, Suite 701 Brooklyn, NY 11242 Tel: 718-834-0190

Visit www.figeroux.com

1105 Nostrand Avenue Brooklyn, NY 11225 Tel: 718-363-7788

Eight Tips for Job Hunting During the Recession RECESSION & JOBS

BY MARGOT CARMICHAEL LESTER MONSTER CONTRIBUTING WRITER

he global credit crisis and flat-lining domestic economy have turned this into one of the most challenging times to be looking for a job in recent history. To be a successful job seeker in this climate, you have to be calm, patient and proactive — and try any (or all) of these tips.

Pick and Choose Your Targets When Jack Hinson was laid off in mid-2008 from his job at a large Internet content company in Austin, he prioritized his search. “It’s important to put your time and energy into opportunities that you’re the most interested in and that have the best chance of coming to fruition,” he says. “Pick a few companies you’re interested in and pursue them, whether they have current openings or not.”

Concentrate on Growth Industries Brent Berger, a Las Vegas-based scenario planning and strategy consultant, suggests focusing on growth industries and areas. “Look at energy,” he says. “With oil costs where they are, the need for cheap fuel and cheap heat is ever-mounting. And any job that alleviates pain is recession-proof. Similarly, the National Guard, Border Patrol, homeland security and the defense industry in general will continue to thrive as the next stage in the war on terror continues.”

Work Your Network Hinson’s new gig came from an old connection. “I’d spoken to the company’s founders

about a year ago and stayed in touch,” he says. “Then I ran into one of them at a networking function.” So flip through your Rolodex or business social media contacts and let them know you’re looking.

Sell Yourself San Francisco PR account executive Samantha Rubenstein launched a job search just as the economy began to flag. After three months, she got a great offer from Atomic PR. She attributes her success to doing more than learning about the company. “Preparation [includes] learning how to talk about yourself in a meaningful and powerful way,” she says. “I created a list of potential interview questions and typed up bulleted answers to create speaking points.”

Consider Freelancing Russ Carr, a designer and writer in St. Louis, has twice had a line on a job only to see it slip away when the emplo-yer lost a key account or decided to distribute the duties among current employees. To keep some money coming in, Carr started freelancing. “I haven’t stopped trying to shop myself for a full-time gig again, but freelancing certainly has kept food on the table,” he says. “If you’re in a field that supports it, don’t think twice —just do it.”

Take a Temporary Position If freelancing isn’t practical, try temping. “Consider interim staffing to fill a temporary slot for work that needs to be done despite the economy,” advises Ronald Torch, president and CEO of the Torch Group, a marketing staffing firm in Cleveland. Or temp with a

company that interests you. “Many of these options pay well and can carry the burden of bill-paying until a permanent position comes along,” he says.

Sweat the Small Stuff “Don’t forget the personal touches,” counsels Felicia Miller, assistant director of career services at the Art Institute of Las Vegas. “Don’t use a template cover letter — make sure each letter addresses specific skills or qualities the company is looking for. And always send a thank-you note or email after the interview. Use this correspondence as an opportunity to revisit weak areas of your interview.”

Stay Positive The most important thing when searching for a job in tough economic times is to retain a positive attitude, says Carol Vecchio, founder and executive director of Centerpoint Institute for Life and Career Renewal in Seattle. “Even in a job market with 10 percent unemployment, there’s 90 percent employment,” she says. “There is an average of over 3 million jobs available in the US per month — and each job seeker is looking for one. Those are pretty good odds.” Struggling to find a great job in a bad economy can be a drag, but undertaking even a few of these tips will improve your chances of landing a gig. “Remember it doesn’t matter how many jobs are or aren’t out there,” Vecchio says. “You’re just looking for one — the right one for you.” l

Visit www.mynacc.org for Monster Job Board to help you in your job search.

NACC Launches...

continued from page 1 profit organizations and youth accompanied by their parents or an adult are invited to this one-day, business-to-businessevent. The day starts off at 8:00am with a Welcome VIP Breakfast where minority business owners, professionals and aspiring entrepreneurs will be inspired to release their entrepreneur brilliance. Those who seek knowledge and empowerment can take advantage of the 20+ educational seminars covering the gamut, for example, small business boot camp (starting your business, finance, marketing, legal, tax and accounting issues and minority certification), social media, inspiring business and wealth building authors, franchising and more. The highlight of the day will be the Minority Franchise Luncheon. Of course, the Expo will be incomplete without the myriad of businesses displaying their products and services. It’s going to be a day of excitement and opportunity. Of course, attendees are encouraged to take advantage of the tremendous networking opportunities to establish new contacts and grow their client base. Success will start on Thursday, June 20, 2013. It’s one day, one location, endless opportunities. What you will learn is secrets and strategies for success. You can and will realize your entrepreneurial dreams, and grow and take your business to new heights. Don’t miss this opportunity. Don’t miss out on this event. Register to attend at www.mynacc.org or text MYNACC to 41411. It’s FREE. Sponsorship and exhibiting opportunities are available. Call 718-722-9217 ext 112 or visit www.mynacc.org/expo2013.l

YOUR RIGHTS KNOW NAME OF PAGE HERE

Identity Theft: What to Know, What to Do

• If you use a public wireless network, don’t send information to any website that isn’t fully encrypted. • Use anti-virus and anti-spyware software, and a firewall on your computer. • Set your computer’s operating system, web browser, and security system to update automatically.

dentity theft is a serious crime. It can disrupt your finances, credit history, and reputation, and take time, money, and patience to resolve. Identity theft happens when someone steals your personal information and uses it without your permission.

Identity thieves might: • go through trash cans and dumpsters, stealing bills and documents that have sensitive information. • work for businesses, medical offices, or government agencies, and steal personal information on the job. • misuse the name of a legitimate business, and call or send emails that trick you into revealing personal information. • pretend to offer a job, a loan, or an apartment, and ask you to send personal information to “qualify.” • steal your wallet, purse, backpack, or mail, and remove your credit cards, driver’s license, passport, health insurance card, and other items that show personal information.

How to Protect Your Information • Read your credit reports. You have a right to a free credit report every 12 months from each of the three nationwide credit reporting companies. Order all three reports at once, or order one report every four months. To order, go to annualcreditreport.com or call 1-877-3228228.

• Read your bank, credit card, and account statements, and the explanation of medical benefits from your health plan. If a statement has mistakes or doesn’t come on time, contact the business. • Shred all documents that show personal, financial, and medical information before you throw them away. • Don’t respond to email, text, and phone messages that ask for personal information. Legitimate companies don’t ask for information this way. Delete the messages. • Create passwords that mix letters, numbers, and special characters. Don’t use the same password for more than one account. • If you shop or bank online, use websites that protect your financial information with encryption. An encrypted site has “https” at the beginning of the web address; “s” is for secure.

Red Flags of Identity Theft • mistakes on your bank, credit card, or other account statements • mistakes on the explanation of medical benefits from your health plan • your regular bills and account statements don’t arrive on time • bills or collection notices for products or services you never received • calls from debt collectors about debts that don’t belong to you • a notice from the IRS that someone used your Social Security number • mail, email, or calls about accounts or jobs in your minor child’s name • unwarranted collection notices on your credit report • businesses turn down your checks • you are turned down unexpectedly for a loan or job

If Your Identity is Stolen... Flag Your Credit Reports Call one of the nationwide credit reporting companies, and ask for a fraud alert on your credit report. The company you call must contact the other two so they

6 #

can put fraud alerts on your files. An initial fraud alert is good for 90 days. Equifax 1‑800‑525‑6285 Experian 1‑888‑397‑3742 TransUnion 1‑800‑680‑7289

Order Your Credit Reports Each company’s credit report about you is slightly different, so order a report from each company. When you order, you must answer some questions to prove your identity. Read your reports carefully to see if the information is correct. If you see mistakes or signs of fraud, contact the credit reporting company.

Create an Identity Theft Report An Identity Theft Report can help you get fraudulent information removed from your credit report, stop a company from collecting debts caused by identity theft, and get information about accounts a thief opened in your name. To create an Identity Theft Report: • file a complaint with the FTC at ftc.gov/complaint or 1-877-438-4338; TTY: 1-866-653-4261. Your completed complaint is called an FTC Affidavit. • take your FTC Affidavit to your local police, or to the police where the theft occurred, and file a police report. Get a copy of the police report. Source: Federal Trade Commission

NAME OFISSUES HEALTH PAGE HERE

Finding Health Insurance & the Affordable Care Act

BY HEATHER PALENSCHAT s part of the NACC’s Empowerment Series, the Office of Citywide Health Insurance Access (OCHIA) presented a live demonstration of NYC Health Insurance Link (NYC HI Link), an online health insurance decision support tool for small businesses, sole proprietors and residents. On October 11, 2012, at the New American Chamber of Commerce’s offices in downtown Brooklyn, OCHIA staff showed attendees how they could use NYC HI Link to: < Search for and compare private health plans from insurance carriers in New York City. < Use an online calculator to see how to share the cost of coverage with employees. < Find information on Healthy NY plans for employers newly offering health insurance. < Understand the impact of federal health care reform on small businesses, including new reporting requirements and tax credits.

Attendees also learned where on the site they could learn about health insurance basics, how to choose a plan, what their consumer protections are and how to access other affordable health care options

in New York City. The presentation highlighted NYC HI Link’s section on federal health care reform and provided examples of how these changes affect small businesses. During a Q&A session after the demonstration, attendees learned about the newly established NY Health Benefit Exchange, where they can go for consumer assistance with health insurance and related concerns, and how to prepare for federal health care reform changes both now and in the future. This program will be repeated in the near future. Those interested should visit www.mynacc.org for more details. l

Knee Deep in Debt continued from page 4

< won't send you free information about the services it provides without requiring you to provide personal financial information, such as credit card account numbers, and balances. < tries to enroll you in a debt relief program without spending time reviewing your financial situation. < offers to enroll you in a DMP without teaching you budgeting and money management skills. < demands that you make payments into a DMP before your creditors have accepted you into the program.

Debt Consolidation You may be able to lower your cost of credit by consolidating your debt through a second mortgage or a home equity line of credit. Remember that these loans require you to put up your home as collateral. If you can't make the payments — or if your payments are late — you could lose your home. What's more, the costs of consolidation loans can add up. In addition to interest on the loans, you may have to pay "points," with one point equal to one percent of the amount you borrow. Still, these loans may provide certain tax advantages that are not available with other kinds of credit.

Bankruptcy Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far reaching. People who follow the bankruptcy rules receive a discharge — a court order that says they don't have to repay cer-

# 8 tain debts. However, bankruptcy information (both the date of your filing and the later date of discharge) stay on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job. Still, bankruptcy is a legal procedure that offers a fresh start for people who have gotten into financial difficulty and can't satisfy their debts. There are two primary types of personal bankruptcy: Chapter 13 and Chapter 7. Each must be filed in federal bankruptcy court. Both types of bankruptcy may get rid of unsecured debts and stop foreclosures, repossessions, garnishments and utility shut-offs, and debt collection activities. Both also provide exemptions that allow people to keep certain assets, although exemption amounts vary by state. Note that personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. And, unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or security lien on it. You must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief.

Damage Control If you're thinking about getting help to stabilize your financial situation, do some homework first. Find out what services a business provides and what it costs, and don't rely on verbal promises. Get everything in writing, and read your contracts carefully. l

For more info contact us

Call: 718-834-0190 Website:

www.diaspora.callmdplus.com Email:

info@allblackradio.com

For more info contact us

Call: 718-834-0190

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NAME OF OBAMA ADMINISTRATION PAGE HERE

$20 Million for 10 Public-Private Partnerships

level. These public-private partnerships consist of small and large businesses, colleges, nonprofits and other local stakeholders that “cluster” in a particular area. The funds will help the winning clusters support local efforts to spur job creation through a variety of projects, including initiatives that connect innovative small suppliers with large companies, link research with the start-ups that can commercialize new ideas, and train workers with skills that firms need to capitalize on business opportunities. The Advanced Manufacturing Jobs and Innovation Accelerator Challenge is a partnership between the U.S. Department of Commerce’s Economic Development Administration and the National Institute of Standards and Technology, the U.S. Department of Energy, the U.S. Department of Labor’s Employment and Training Administration, the U.S. Small Business Administration, and the National Science Foundation. In order to create an economy built to last, America needs to make more things the rest of the world wants to buy. After losing millions of good manufacturing jobs in the years before and during the deep recession, the economy has added nearly 500,000 manufacturing jobs since February 2010 — the strongest period of sustained job growth since the 1990s. While there’s more work to be done, steps like today’s announcement build on this

momentum. “A strong manufacturing base in America is critical to the health of the U.S. economy, and these awards further demonstrate the Obama administration’s commitment to keeping this country on the cutting edge of innovation in manufacturing,” said Acting Secretary of Commerce Rebecca Blank. “This investment will help accelerate and unleash the most promising ideas in advanced manufacturing, and bring those ideas to market. This will lead to good jobs for American workers, increase the nation’s competitiveness, and strengthen an economy that’s built to last.” “By partnering across the federal government, these grants will help us leverage resources and ensure that training programs for advanced manufacturing careers provide the skills, certifications and credentials that employers want to see from day one,” Secretary of Labor Hilda L. Solis said. The awards will help regional clusters grow by strengthening their connections to regional economic development opportunities and advanced manufacturing assets, helping develop a skilled and diverse advanced manufacturing workforce, increasing exports, encouraging the development of small businesses, and accelerating innovation in technology. The 10 winning initiatives — based in Arizona, California, Michigan, New

continued from page 1 York, Oklahoma, Oregon, Pennsylvania, Tennessee, and Washington — will each receive approximately $2 million to fund projects that are expected to train a total of 1,000 workers and help nearly 650 companies leverage a cluster’s resources in their regions and create jobs across the country. “As part of President Obama’s blueprint for an economy built to last, the Energy Department is investing in innovative, public-private initiatives like the Advanced Manufacturing Jobs and Innovation Accelerator Challenge that support the pillars of American energy, American manufacturing and skills for American workers,” said U.S. Energy Secretary Steven Chu. “These investments are helping America strengthen our competitive edge and leadership in the global manufacturing sector.” “The SBA pioneered the federal government’s first regional cluster strategy two years ago and we’ve already seen the tangible benefits of these investments including job creation, innovation and increased competitiveness,” said SBA Administrator Karen Mills. “These ten new Advanced Manufacturing Jobs and Innovation Accelerators are proof that we can continue to build on –— and complement — the success that we’ve already achieved and support strong ecosystems of small businesses in targeted regions throughout the country and

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across key industries. Additionally, by supporting our small innovative manufacturing companies, we are fostering the growth of the American supply chain and creating an economy built to last.” As part of President Obama's commitment to creating an economy built to last, the Administration has invested more than $200 million promoting regional innovation clusters. The Administration created an interagency task force, known as the Taskforce for the Advancement of Regional Innovation Clusters, to develop and administer interagency grant competitions. This is the third round of the Jobs and Innovation Accelerator Challenge and, in addition to the six partnering agencies, this initiative also leverages technical assistance from up to eight other federal agencies.

The New York winners are: < New York: A Proposal to Accelerate Innovations in Advanced Manufacturing of Thermal and Environmental Control Systems, a project of Syracuse University, NYSTAR, the State University of New York’s College of Environmental Science and Forestry, and Onondaga Community College. ($1,889,890) < New York: Rochester Regional Optics, Photonics, and Imaging Accelerator, a project of the University of Rochester, NYSTAR, and High Tech Rochester Inc. ($1,889,936) l

NAME OF PAGE HERE IMMIGRATION

Supreme Court Case Highlights Cruel Intersection of Immigration and Drug Laws

BY BEN WINOGRAD

ecently, the Supreme Court heard arguments in a complicated immigration case involving how courts should determine whether a crime qualifies as an “aggravated felony.” Once the legal clutter is set aside, however, the case provides a clear example of how our nation’s immigration laws often fail to account for the most basic considerations of fairness and proportionality. If the Justices rule in the government’s favor, a lawful permanent resident with two U.S. citizen children could be deported from the country—and permanently barred from returning—for possessing less than $30 worth of marijuana. The immigrant facing deportation, Adrian Moncrieffe, was legally admitted to the United States nearly thirty years ago when he entered with his family at age 3. In 2008, he was pulled over by a Georgia police officer and arrested for possessing 1.3 grams of marijuana, the equivalent of two to three joints. Moncrieffe pled guilty and was placed on probation—and, had he been a U.S. citizen, would have suffered no further punishment for his crime. But because Moncrieffe never naturalized, Immigration and Customs Enforcement

(ICE) commenced removal proceedings against him in 2010, alleging that he had been convicted of a “drug trafficking” crime under the immigration laws. Why? Despite the small amount of marijuana involved, Moncrieffe was charged under Georgia law with possession with intent to distribute—an offense written so broadly as to apply both to people who freely share small quantities with others and to those who distribute up to ten pounds of illicit narcotics. Although no evidence was ever presented that Moncrieffe intended to sell the marijuana found in his possession, the government argued—and the U.S. Court of Appeals for the Fifth Circuit agreed—that he should be considered a drug trafficker under the immigration laws unless he affirmatively proved to the contrary. While the issue before the Justices involves complicated questions over burdens of proof in removal proceedings, the case highlights the simple lack of common sense—and common decency— embedded in many provisions of the immigration laws. As discussed in a Washington Post story last week, lawfully present immigrants may be deported from the United States for committing minor, non-violent crimes that Congress happened to label as aggravated felonies.

Regardless of the hardship their deportation would cause to themselves or U.S. citizen family members, immigrants alleged to have committed such crimes are ineligible to apply for most forms of relief from removal—such as asylum—and, once they are deported, to return to the United States. The case also demonstrates how immigrants who are treated as “priorities” by Immigration and Customs Enforcement often pose little to no danger to the public at large. Under a memo issued by ICE director John Morton in 2011, for example, any immigrant convicted of an aggravated felony is considered a “Level 1” offender—meaning they are placed first in line for deportation and will rarely, if ever, benefit from a favorable exercise of prosecutorial discretion. Even if the Supreme Court holds that Moncrieffe meets the definition of an aggravated felon under the immigration laws, it is difficult to see what benefit is gained from society at large by deporting him from the country and never allowing him to return.

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When pro-immigrant advocates speak of the need for comprehensive immigration reform, their calls generally relate to the creation of a program to allow undocumented individuals to come out of the shadows. Yet also important is the need to review the growing list of aggravated felonies that make lawfully present immigration subject to virtually automatic removal from the country. If the goal of any justice system is for the punishment to fit the crime, our nation’s immigration laws require serious re-examination. l

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NAME OF PLANNING FINANCE PAGE HERE

Your Money Has a Lifespan, Too

ver tried to calculate how long you might live? How much you'll need to save for retirement? If you retire at age 65, are you financially prepared to live 30 more years? Or, will you outlive your money? These are important questions to ask, as Americans are living longer than ever before. In fact, for couples aged 65, there is a 50 percent likelihood the husband or wife will live to age 94, according to the Society of Actuaries. This can mean more years to enjoy retirement â&#x20AC;&#x201D; if your money lives as long as you do. A recent study took a look at Americans' financial planning (and saving) habits. The data reveals that many feel financially unprepared to live longer. Only 56 percent of Americans surveyed say they feel financially prepared to live to age 75. Less than half (46 percent) indicate they feel prepared to live to age 85. And only 36 percent say they feel prepared to live to age 95. The research also shows that half of Americans take an informal approach to financial planning â&#x20AC;&#x201D; if they have a plan at all. Moreover, most feel their planning needs improvement. "While Americans see the value in setting financial goals, not everyone has plans to achieve them," says Greg Oberland, a financial planning executive vice president. "Developing a plan to reach your goals provides confidence that

you won't outlive your savings." On the bright side, respondents say they're taking positive steps to pay down their debt, develop a budget, save a portion of their paycheck regularly, build up an emergency fund and organize financial documents. "These are good first steps to enhance one's current financial well-being," says Oberland. "But looking at these steps in the context of a comprehensive plan (that offers flexibility as circumstances change over time) can help provide long-term financial security."

In other words, planning can help you manage how long your money lasts. Keep in mind, a prudent plan should work no matter how long you live in retirement.

Here are a few ideas that may help you solidify your financial plans:

1. Consider Your Own Longevity. Longevity calculators can help you understand how long you may need your money to last.

14# 2. Reflect on Your Current State of Financial Security. Ask yourself, "Do I feel financially prepared to live a long life?" Then, put your answer into perspective by playing the "Get Your Financial Security Score," game. The free mobile game (also available on Facebook) awards users with customized financial tips based on responses to a variety of personal finance-related statements.

3. Help Your Kids Develop Good "Saving" Habits Early. Endorsed by the American Library Association as "a great web site for kids," TheMint.org offers games, activities and useful information for kids, as well as meaningful content for parents and teachers. By teaching your children the value of money early on, you reduce the odds they'll need your financial assistance later in life. That means you can focus on putting more money towards your retirement.

4. Start Talking about Your Personal Finances. Meet with an experienced financial professional who can help tailor a plan to accumulate and protect your financial resources. Consider how your financial plan today can help you build financial security for future life events. (ARA) l

ESTATE PLANNING

Are You Ready for 2012 Year-end Planning?

BY WINSTON WEI s the last quarter of 2012 approachs, being in the financial services business for 34 years, one of the main areas we prepared with our small business owner clients and professional clients is to make sure they are well prepared to take advantage of any opportunity for tax relief and benefit relief with the United States Federal Government of the State of New York and City of New York. The end of the year is usually a hectic time for everyone as business owners try to wrap up their business and start planning for 2013, as they try to complete their goals for their company and with uncertainty still in our economy, the most important time is now, to sit down with a professional team that is objective, and can listen to your needs and concerns for the short-term and the long-term for your business and family. Our process is a professional

approach, we get to understand each other first, by providing our experience and knowledge in our field and do a clear defined discovery data-gathering based on your circumstances for a short-term and long-term period, and based on your input, we will create several models of recommendations to see which fits your needs, goals and budget-cash flow. Our commitment is to make sure you have the best solutions for your concerns and we address different options. At the end, you need to feel comfortable with us and the process in our approach. l

SMALL MATTERS NAME BUSINESS OF PAGE HERE

Why You Should Join NACC

hat is a chamber of commerce and why should you join? A chamber of commerce is a voluntary organization of the business community. It unites business and professional individuals and firms, thus creating a central agency which lends itself to improving business and building a better community. A chamber of commerce is people and although these are predominantly the members of the business community, there is a place in the chamber for all who share the desire to improve the community. The saying goes that, "if you've seen one Chamber of Commerce, you've seen them all." While many communities throughout America, and even around the world, have a chamber of commerce, each one is unique in both the services that they offer and the businesses they represent. It is in your best interest to join as many chambers as possible to help you achieve your goals. Here are some good reasons to join NACC. The New American Chamber of Commerce (NACC) means business…and more money for your business! NACC promotes progress through unity. Your investment in the Chamber of Commerce will benefit your business by providing:

Your Business Listed: When you join the Chamber, you get your business listed on our website, mobile website, MBRD Directory and Smart Phone Apps. Thus, referring countless potential customers to YOU!

Committees of Interest: Chamber members may choose to lend their skills to a committee or two that puts their talents to use.

Educational Opportunities: Stay informed on timely topics by hearing from our luncheon speakers or attending Chamber sponsored seminars, workshops, and committee meetings.

Web Site Link Availability: Prior to moving, many people consult the Chamber of Commerce. Make your business familiar to future, as well as current residents by linking to the Chamber Web Site. Links are complimentary to all members, while Web Site sponsorships are available at a nominal fee.

Networking opportunities: Participate in Chamber seminars, our Annual Multicultural Business & Minority Franchise Expo, Free Paralegal Certificate Program, committee meetings, and quarterly Chamber After Hours events.

Advertising Opportunities: Through the Chamber you may choose to put your name out to the community through ads in our online newsletter inserts, web site sponsorships, our radio programs or our monthly publication, the Consumer Advocate, at Chamber rates.

Discounted Rates: Chamber members are able to receive special coupons that are distributed to Chamber members at Chamber meetings. (Macy’s, F&A, etc.)

Strength in Numbers: In becoming a member of the Chamber, you are not only a part of the collective body, but an integral piece of the machinery. You have a choice and a voice in the situations surrounding your business

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needs. One voice raised in defense of a right, or one person or business taking on a project is often weak and ineffectual. When many voices are raised and many people work together in community affairs, much is achieved. Working together works for you!

Community Updates: Keep your finger on the pulse of the local business community through the online Chamber newsletter, the Consumer Advocate.

Chamber After Hours Opportunities: Chamber members are given the opportunity to host this quarterly social event that allows the business community a relaxed look at our membership. Refreshments are served, door prizes are awarded and a fun time is had by all.

Opportunities to Make a Difference: Through membership in the Chamber of Commerce, you will participate in programs and projects which improve the quality of life in our community. The Chamber unifies the public spirit of Brooklyn and directs it to useful and constructive channels. Promoting progress through unity…that’s our New American Chamber of Commerce. Join the Chamber today. Visit www.mynacc.orgl

NAME OF FAMILY MATTERS PAGE HERE

How to Communicate During an Argument: 7 Quick Rules

BY JENNINE ESTES

s a relationship and couples counselor, I frequently run into couples who argue often. I never recommend arguing... ever. Instead, I recommend that couples reach for one another and resolve the issue in a loving discussion. If you have found yourself caught in an ongoing cycle of arguing, back and back bickering, and sometimes even yelling, you can take a proactive stance and try to decrease the battles. Here are some quick tips to decrease the damage that emotional blows can do to the relationship.

Avoid Bringing Up the Past When your partner comes to you with a concern or is upset, avoid bringing in the past as an example, to prove your point, or in an attempt to resolve the issue. If the past is brought up, the argument just has more fuel to keep it burning. Bringing in other issues can ignite a variety of emotions and the discussion can get off track. Make a mental note of your concern and bring it up later in a new discussion. Stay on topic to resolve the specific issue at hand before addressing other unresolved issues.

Use Positive Pointing Language The way couples phrase their words during an argument can impact how either partner reacts. Pointing language is language specifically directed at your partner, and often uses phrases such as 'You never, "You should," or "You always." When pointing language is used, partners can become defensive and tend to automatically tune out what is being said. This may lead to a continued cycle where each partner does not feel like he or she is being heard. Instead, use positive language that targets yourself, not your partner (for example, "In my experience" or "I feel"). By expressing to your partner how you feel, instead of how he or she is, your partner will be less reactive.

Become a "We" Arguments are a you vs. me battle and almost always have the goal of one participant winning and the other losing. Relationships, however, are not built on opposition. Meaningful relationships consist of two players who are on the same team and should work toward a common goal. Try to make the goal be achieving resolution, rather than winning. Resolution cannot be accomplished without active participation of both partners, so do not forget your partner's desires. Think to yourself, How can we solve this so that we will both be happy?

Claim Your Own Role in the Problem No one is perfect, yet no one likes to admit when he or she is wrong. Do not be afraid to admit, both to yourself and your partner, when you have made a mistake. By acknowledging your role and claiming your involvement in the argument,

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you show your partner you are willing to work with him or her. Remember, It takes two to tango.

Calm Your Nerves If your arguments seem to get out-ofhand and escalates rapidly, calm your own nerves so it won't rub off on your partner. Calm your nerves by deep breathing, slowing down how you talk, and lower your tone. Reassure your partner that you care about them and that you are working on calming down. The more your partner knows you are working to help improve the relationship, it will help calm him down as well.

Don't Leave Most couples try to leave to avoid conflict and many counselors will suggest to do so if the conflict begins to get heated. The problem with leaving is that it can create more panic in your partner because feels as if you don't care, and they have no idea when you are going to return. Leaving, or simply shutting down and being quiet, leaves the relationship with an unresolved wound. Instead, express to your partner that you really want to resolve the conflict and that you feel stuck when you get overwhelmed. Avoid leaving (as long as there is no violence in the relationship...if there is vio-

lence, absolutely LEAVE and seek safety) and reassure your partner that you are going to stick around and that they matter.

Bring Down the Wall Many couples distance themselves, put up a wall, and sleep in different rooms after a long drawn out fight. The distance in the bond lingers around and both patiently wait for the other to make the first move or to reach out and connect

the bond. Instead of waiting for your partner or sleeping with the distance, reconnect the bond by giving your partner a hug, say sorry, or acknowledge the pain. The quicker you bring down the wall, the less discomfort you will have to sit through. l

Jennine Estes is a Licensed Marriage and Family Therapist in San Diego, California. Please visit her website at www.estestherapy.com

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Naturalized Citizens Have the Power to Swing Elections

BY WALTER EWING

here is no doubt that immigrants are a force to be reckoned with in this year’s presidential race. After all, the Obama administration unveiled its Deferred Action for Childhood Arrivals (DACA) program in June, just a couple of months before the official start of the campaign. And Republican presidential nominee Mitt Romney has said that, if elected, he will not deport DACA beneficiaries (although he says he will discontinue the program). In other words, both candidates are going out of their way to woo immigrant voters—that is, naturalized U.S. citizens who are eligible to vote—as well as those second and third generation Americans for whom immigration is still a highly personal issue. This is smart politics. Given that the presidential election could be decided by the most razor-thin of margins, the ballots cast by naturalized citizens could prove decisive, especially in the handful of swing states upon which the election will probably hinge. Given that the presidential election could be decided by the most razor-thin of margins, the ballots cast by naturalized citizens could prove decisive, especially in the handful of swing states upon which the election will probably hinge. This conclusion is borne out by new

data and analysis from Manuel Pastor and Jared Sanchez of the Center for the Study of Immigrant Integration at the University of Southern California. In a report entitled Rock the (Naturalized) Vote: The Size and Location of the Recently Naturalized Voting Age Citizen Population, Pastor and Sanchez start with the 8.1% of voting-age citizens in the United States who are naturalized immigrants. But then they narrow their focus further and look just at the 3.6% of the voting-age population consisting of naturalized immigrants who became citizens over the past decade. The reason for this degree of specificity “is partly because evidence suggests that the recently naturalized may be the most motivated around immigration issues and partly because their registration rates may have the most room for improvement.” As the report explains, naturalized citizens generally register to vote at lower rates than native-born citizens, but—once they are registered—they are just as likely to vote as the native-born. Moreover, naturalized citizens are more likely to be politically mobilized (to register and to vote) if they acquired their citizenship at a time when the public debate over immigration was running hot. This appears to have been the case in 2008, when voter registration rates went up among the recently naturalized at a time when immi-

gration was a high-profile and inflammatory issue in the presidential campaign. The immigration debate in this year’s presidential race might have a similar mobilizing effect on recently naturalized citizens, spurring them to register and to cast ballots. And, according to the analysis by Pastor and Sanchez, the votes of recently naturalized citizens could prove pivotal in swing states if the election is close: “In the 2004 presidential election— the most recent with an incumbent running for reelection—several key states were decided by low margins of victory. For example, the margin of victory in that year was only 2.6 percent in Nevada—a state where 5.1 percent of the voting age citizen population now consists of recently naturalized immigrants. The margins of victory in Florida and Colorado were around 5 percent—and the recently naturalized comprise 6 percent of the voting age citizen population in Florida and 2.1 percent in Colorado.” As more and more recently naturalized citizens register and vote—as their electoral clout continues to grow—Pastor and Sanchez foresee the rise of a more rational public debate about immigration. As they write, the rise of the naturalized voter may “help contribute to a more civil and balanced conversation about immigration—one in which political

leaders and parties propose realistic solutions on immigration policy so that both voters and political leaders can concentrate on other important issues such as the economy and healthcare.” Put differently, fewer and fewer vehemently anti-immigrant politicians will win elections, thereby depriving them of their public platform to spew misinformation and hate. l

NAMERIGHTS CIVIL OF PAGE HERE

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In This Tough Election, We Must Not Lose Sight of Social Justice and Interdependence

BY M. STARITA BOYCE ANSARI, PH.D.

ifty years ago, Americans from community after community came together and committed to a vision for justice and equality. People fought. People died. People transcended the small interests of their own needs, as Blacks, Jews, women, gays and lesbians, took real risks to advocate for change and common cause. Many communities of American people came together to declare War on Injustice while our own federal government declared War on Poverty. But today, the victories won in a common struggle are being squandered. Before it's too late, let us not forget what common cause can achieve. Among the strongest reminders of common cause are the many examples of the Black and Jewish communities coming together. Let us be inspired by the way these communities laid the foundation for Civil Rights: < In 1909, Henry Moscowitz joined W.E.B. DuBois and other civil rights leaders to found the NAACP. < In the first half of the previous century, more than 2,000 primary and secondary schools and 20 black colleges were established in whole or in part by contributions from the Jewish philanthropist Julius Rosenwald. < Jews made up half of the young people who participated in the Mississippi Freedom Summer in 1964. < Prominent leaders of the Jewish community, including Rabbi Abraham Joshua Heschel, marched arm-in-arm with Dr. King in his 1965 March on Selma. Now, my point is not to focus on Blacks and Jews per se, or to recapture the haze of nostalgia for our activist past. The world and times have changed. But the meaning of justice has not. We can't go back in time, but we can go back to values. In the work I do with philanthropists and advocates today, the reflex seems to be to stay within a silo, to focus on a single issue. Results matter, but with "big" action and "big" advocacy out of fashion, we've lost our interdependent way. Before it's too late, let us not forget that all of our victories won may one day soon be battles lost if we do not come together to take on the true heart of today's inequality: the face of economic injustice. It is no coincidence that gender, race and poverty remain systemic problems in America â&#x20AC;&#x201D; they are at the core of the deepest divide in circumstances and principles that our nation has faced since the Civil War. We must respond to them together in order to make this nation a better place for all, to take on the "institution" of poverty as we did the institution of Jim Crow. Is poverty an institution? It is, when an entire system is designed to foster and propagate it. The false choices between one group's agenda and another's, between the 1% and the 99%, all seem to lose the forest for the trees. We lose sight of the vast potential of human capital, of

the power of granting equal access to all, and we get lost in a thicket of -isms and accusations. The Civil Rights Movement went far enough to give the U.S. a Black president in some 50 years. But, still, a majority of Blacks, Hispanics and women in this county feel the brunt of inequality. The tough realities are: < Weekly earnings for full-time professional/management positions average $941 for women and $1,269 for men. < Record numbers of public school children qualify for free three meals program. < People of color represent 36% of the U.S. population, but 60% of the prison population. The prison population grew 700% from 1976 to 2005, a rate that outpaced crime. < Black households, more likely than any other household, live in inadequate and unhealthy housing. < Blacks are four times more likely to experience police brutality. < Hispanic seniors are more likely to be food insecure than any other Americans. In the face of such heart-wrenching data, I am calling on you as I call on the philanthropists and advocates that I work with: "Let us not forget!" Let us not forget our interdependence and common cause. All of our children are precious gifts to the world. Rev. Dr. Martin Luther King, Jr. taught us that faith in oneself is the most powerful weapon against suppression and oppression. So, we must have faith in our ability and will to come together, again, to ensure that all of us have access to quality education systems and economic security in order for our nation to succeed. We must do this for our sons and daughters, our brothers and sisters, our nephews, nieces and cousins, and our fathers and mothers. Let us not forget! Like the Jewish sisters and brothers who made common cause with Blacks during the Civil Rights Movement, the motto must be "Never again," before it's too late. I call on each of you to embrace our interdependence, before it's too late to build on human potential. < "Never again" should any American be denied access to quality health, education, economic and social systems. < "Never again" should women bear the brunt of economic inequality as they do in today's ongoing labor market. < "Never again" should young gays and lesbians fear for their dignities and their lives on a daily basis at schools and in public. < "Never again" should a person be persecuted because of their religious principles. < "Never again" should infants die, not because it was inevitable, but because our city budgets defunded critical programs for distressed and impoverished urban communities. And let us not forget to bring the call for common cause to our youth. Before it's too late, may philanthropists of every creed commit to empowering our youth to donate their time, talents and treasures for equity, opportunity and justice for all.

The definition of philanthropy cannot remain within the rarified circles of big donors and big events. The gifts of all must be celebrated. And, it will take the will of all in order to move our nation forward. Like our Jewish sisters and brothers, I am calling on Buddhists, Christians, Hindus, Muslims, and people of every creed to practice Tzedakah, the righteousness of doing what is right and fair and just for all. Let us not forget, before it's too late!l

Dr. M. Starita Boyce Ansari is a scholar, trainer and speaker in the field of philanthropy, recognized by The Ford Foundation and The W. K. Kellogg Foundation for her research in the field. Dr. Boyce Ansari has helped institutions grow and revitalize while becoming more stable and more effective in their community impact. She is a champion for social justice, committed to equal access to health care, education and economic opportunity. She is currently President and Chief Change Officer at MSBphilanthropy Advisors, LLC.