Urban Views Weekly June 8, 2016 by Urban Views Weekly

June 8, 2016

Scholar of the Week - Gregory Walker

Bloodline Making Great Strides in Music

Civic Beat FUNdraising Good Times

NUSA Conference 2016 How to define goals and direction within volunteer-led organizations

Don’t guess. Know.

We recently had the opportunity to facilitate a workshop at the 41st Neighborhood USA Conference (NUSA) in Memphis, Tennessee. Participants came from as far as Alaska and Japan. Memphis bustled with energy from these dedicated community activists, and the estimated $750,000 economic impact they made on the local economy. We caught the buzz, and want to share three topics that emerged from our conference session.

volunteer-led, the board chair – or another individual who demonstrates leadership – should take responsibility for stimulating this discussion. He or she should present clear, well-thought out, achievable priorities to the board. We suggest writing these priorities up in a short, concise document. No more than one page. Two paragraphs and a bulleted list should suffice. This will give the board an initial idea to respond to.

First, the majority of individuals who participated in our discussion were from organizations that do not have staff. These are board-led (or volunteerled) organizations with limited fundraising experience. Participants wanted to know three things: who is responsible for setting goals and direction; how to get volunteers to buy into their work; and how to implement the prerequisites for fundraising success.

Securing buy-in. The person who presents the concept should not be tied to how the board ultimately responds. What you – as an organization – want is mutual discussion and agreement regarding goals and direction. Give everyone time to review the initial concept document before the meeting. The person who has crafted the document should go into the meeting with an open mind. He or she is a catalyst who will provide the board with an opportunity to deeply discuss the concept, and make changes so it best articulates the group’s priorities. Through this process of discussion and involvement, you will define your goals and directions. The key is this: No board should continues to page 10 be expected to

Setting goals and directions. Our experience has shown that without clearly defined goals and direction an organization can become reactive instead of proactive. When there is a CEO, that person should present proposed goals to the board for discussion. When an organization is

VCU Health’s Advanced Prostate Imaging and Imaging Guided Targeted Biopsy Finding a tumor in a gland no larger than a walnut isn’t always easy. That’s why the accuracy of VCU Advanced Prostate Imaging can be so reassuring. If you have an elevated PSA, and your health care provider recommends further evaluation, magnetic resonance imaging and a targeted biopsy at VCU Health can confirm and pinpoint the tumor so treatment can begin.

Ervin B. Clarke, Publisher publisher@urbanviewsweekly.com

To learn more, call (804) 628-9810 or visit knowingnotguessing.com VOL. 9, ISSUE 23 Urban Views Weekly, LLC 6802 Paragon Place, Suite 410 Richmond, VA 23230 Office: (804) 441-6255 Fax: (888) 439-2534 VCU3053_D2_Prostate_4_89x9_5_BW.indd 1

Urban Views Weekly | June 8, 2016

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Cover photo Nicholas Briley

Flora C. Clarke, Administrative Assistant flora@urbanviewsweekly.com Shelia O. Spurlock-Shaw, Advertising shelia@urbanviewsweekly.com Nickkol Lewis, Art Director Visual Appeal, LLC | visualappealstudio.com www.UrbanViewsWeekly.com

Muhammad ‘The Greatest’ Ali is Dead TriceEdneyWire.com - Muhammad Ali, “The Greatest,” is no longer with us. Ali, the three-time world heavyweight boxing champion, died Friday night in a Phoenix-area hospital, where he was being treated for respiratory complications. Ali was 74 and he died from septic shock. “After a 32-year battle with Parkinson’s disease, Muhammad Ali has passed away at the age of 74. The three-time World Heavyweight Champion boxer died this evening,” Bob Gunnell, a family spokesperson, told NBC News. Ali won the heavyweight title in 1964, 1974, and 1978. Between February 25, 1964 and September 19, 1964, Muhammad Ali reigned as the undisputed heavyweight boxing champion. He had a record of 56 wins and five losses. His greatest fight was “The Thrilla in Manila,” which was held October 1, 1975 in the Araneta Coliseum in Quezon City, Philippines. It was the third heavyweight boxing match between Ali and “Smokin” Joe Frazier. And it was a battle between two Black gladiators, with Ali lifting his arms triumphantly before the 15th round when Frazier’s trainer Eddie Futch threw in the towel.

www.UrbanViewsWeekly.com

By Frederick H. Lowe

I watched the fight with three friends over pay-per-view at Chicago’s Auditorium Theater. I screamed so loud and so often I couldn’t speak above a whisper for three days. An elevated train runs behind the Auditorium Theater. The motorman stopped the train and opened a car door as fight fans walked out of the Auditorium Theater after the bout ended.

fast footwork in the ring. Black boys imitated his style and worshipped him. They called him “Champ.”

“Who won the fight?” he asked. “Ali! Ali!” the crowd chanted. The elevated train riders also began chanting “Ali! Ali!”

At the age of 22, he won the world heavyweight championship in 1964 from Sonny Liston. Shortly after the fight, Clay joined the Chicago-based Nation of Islam and changed his name to Muhammad Ali in honor of one the great kings of Egypt.

A funeral service is planned for Friday in Louisville, Ky., where he was born January 17, 1942. Muhammad Ali, who was born Cassius Marcellus Clay, Jr, was a boxer who transcended the sport, becoming an international figure who created pride among blacks and anger among whites because he lived the courage of his convictions. His celebrity, like his boxing skills, was without equal. He coined the phrase “Float like a butterfly. Sting like a bee.” He called himself “The Greatest” and “The Prettiest.” When he fought, his arms and fists were at his waist, not covering his face like most boxers, because he was such a fast puncher. He also started the “Ali Shuffle,” showing off his

In one of many books written about Ali, the author discussed how people reacted to him when he walked near New York’s Central Park. Vendors left their hot dog carts; prostitutes stopped working; cab drivers got out of their taxis and citizens chased after him begging for autographs.

In 1967, Ali refused to be drafted into the U.S. Army during the Vietnam War, saying ‘no Vietcong ever called me nigger.’ He was arrested and found guilty of draft evasion, stripped of his title. His license to box was revoked. Ali remained free on bond as he appealed his conviction. His courage in refusing to be drafted did not endear him to the nation’s overwhelmingly white sports writers employed by the nation’s major newspapers. They called him Clay instead of

Continues to Page 11

Urban Views Weekly | June 8, 2016

ViewPoints

By Dr. T

The Papa and the 3 wishes If you could have 3 wishes, what would you wish for? Would the wishes be for yourself alone, or would you include your loved ones? Coming from what would be considered a “traditional” family is how the majority of people relate to the roles and responsibilities that parents have in raising children. However, in these contemporary times of ever-evolving positions and accountabilities within the family unit, and the redefinition and inclusion of what some might call the “non-traditional family,” it is often difficult to delineate the role of the Momma and/or the Papa as clearly and definitively as we once did. It is no longer the standard norm that the Papa is the “bread winner” working outside the home as the primary earner. Many women make more money than their male counterparts and are deeply entrenched in America’s workforce. At the same time, there has been a cultural shift that works to recognize the role of stay-at-home mothers or fathers as fully engaged in the workforce in valid ways – and are now considered “working parents” – as important and effective as the parent who works “outside” the household. We must also put single parents in the mix. Many become single parents by choice and others due to unforeseen circumstances. This was once seen as a group outside the norm, but we now have to include them as we consider parenting models, and additionally, the LBGTQ community with families that have two same-sex parents. All of these models also include blended families, shared parenting and co-parenting scenarios that usually come about due to divorce and remarrying and/or children born outside of marriage or committed partnerships. Tradition, Tradition, Tradition are lyrics of one of the most recognized songs from the award winning musical Fiddler on the Roof, that shares the 4

story of a man (Tevye) and his family which includes his wife and three daughters, all of whom are of marrying age, and the “traditional time” in adulthood when adult children leave home to start their own families. The lyrics of the song continue: [TEVYE & PAPAS] Who, day and night, must scramble for a living, Feed a wife and children, say his daily prayers? And who has the right, as master of the house, To have the final word at home?

Fiddler on the Roof is rooted in the cultural and religious continuum of Judaism to which the idea of “tradition” is foundational to its faith and cultural practice. There are traditions and cultural norms in other cultures and ethnicities, as well, that dictate the roles and responsibilities assigned to people based on their specific sex and gender; however, there continue to be challenges to those norms and expectations in our contemporary society. We can now be inclusive of both the traditional and the non-traditional ways and means of effective parenting. The effective Papa, whether traditional or not, connects with his children, grows with them, and has both hopes and dreams for the lives of those children as the years come and go. The Papa’s sphere of influence within the lives of the children he parents is generally connected to the level of his commitment and the amount of time invested in raising them. When Papa makes the investment of love, commitment, time, energy and resources in his children, it is only natural that he would want to see what the outcome of his investment would be. The 3 wishes he would make are to be able to see his children grow up to become parents…and his children’s children do the same and, finally, to see those grandchildren see the joy of becoming parents too. That Papa would truly be a blessed Tawnya Pettiford-Wates, Ph.D. man to have those 3 wishes Founder and Artistic Director come true. The Conciliation Project and Associate Professor

Virginia Commonwealth University

DrT@Margins2theCenter.com | www.theconciliationproject.org

Urban Views Weekly | June 8, 2016

Up Next Week: The Legacy You Leave

Virginia State University Graduate Deshauna Barber Crowned MISS USA 2016 Submitted by VSU

Virginia State University is proud to congratulate graduate Deshauna Barber. On Sunday night, Miss Barber was crowned MISS USA 2016. The NC native graduated from the Reginald F. Lewis College of Business at Virginia State University in 2011 with a degree in Business Management and is an IT Business Analyst at the Department of Commerce in Washington D.C. In addition, Deshauna is a Company Commander in the United States Army Reserve. She represented the District of Columbia in the Miss USA Pageant. “We are exceedingly proud to have a Trojan represent the USA in this capacity,” says VSU President Dr. Makola Abdullah. “Deshauna exemplifies scholarship, leadership, and inner strength. She is a role model for all students.” Miss Barber beat out 50 other women to claim the title of MISS USA 2016. She secured her position as a top three finalist when she answered a question about the Pentagon’s recent decision to open up all combat jobs to women. “As a woman in the United States Army, I think it was an amazing job by our government to allow women to integrate into every branch of the military,” said Barber. “We are just as tough as men. As a commander of my unit, I’m powerful, I am dedicated, and it is important that we recognize that gender does not limit us in the United States Army.” In the final question, to secure the title, Miss Barber was asked to describe what it means to be Confidently Beautiful. “To me confidently beautiful means Continues to Page 11

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Main Library 101 E Franklin Street Richmond VA 23219

County Administration Building 202 South Church Lane Tappahannock VA 22560

Petersburg Fire Training Division 1151 Fort Bross Road Petersburg VA 23805

Individuals with disabilities who require reasonable accommodations should contact Kathy Robins, Senior Planner, at the Richmond Regional Planning District Commission at 804-323-2033 or by email at krobins@richmondregional.org at least 10 business days prior to the event. Every effort will be made to provide reasonable accommodations.

Presented by the Central VA Emergency Management Alliance with funding from the US Department of Homeland Security. Points of view or opinions expressed are those of the authors and do not necessarily represent the official position or policies of FEMA's Grants Programs Directorate.

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Urban Views Weekly | June 8, 2016

Kim Farrar & Bloodline Shatter Behind every successful musical artist, you’ll find an even more successful powerhouse team. On the creative side, that team includes writers and instrumentalists, vocal producers, engineers, and creative video directors. On the management side, you’ll find the artist’s manager, publicists, A&R, and at the very top, the executive. The making of a successful artist or group lies not just in the vocal talent and stage presence, but in these professionals who make sure the industry as a whole produces quality, popular music that keeps their pockets lined. A common critique of the music industry, though, is that while the face of many record labels is one of color, the business side is still, even after great social progress, a “white boy’s club” wrote Paul Resnikoff, publisher of Digital Music News.

it. She’s spent years building Bloodline into the gospel powerhouse that it is today, both as an international performance group and a hub for fellow artists to privately develop their sound.

Farrar’s passion for music began at an early age. Growing up, her mother would give the children musical instruments to play every Christmas, unknowingly planting the seed for a fruitful music career. One Christmas, Kim had her eye on the sparkly orange drum set that sat invitingly beside the tree, and although her brother warned her not to touch it, she couldn’t resist. He eventually gave in and taught her to play after seeing her genuine interest in the instrument, and she spent the years that followed completely invested in perfecting her craft. After college, she gained valuable Since the 1900s, African experience in the music Americans’ musical ministry at her then-church, talent has revolutionized Richmond Christian Center. entertainment across genres. She’d already played kettle Kim Farrar The history of Blues, Hip drums with the church’s Hop, Rock n’ Roll, and Pop— orchestra, but one Sunday, to name a few—can be traced back to urban artists with a when the lead drummer didn’t show, Farrar was called to sound that keeps their names etched in the musical history fill in. After filling in that one Sunday, she went on to play books. But if you read album credits, very rarely do you for the church for nearly ten years. see their name occupying the behind-the-scenes roles. The disparity becomes even greater on the executive level, with Kim Farrar started Bloodline Music Group at Richmond white male execs dominating the field. This leaves very Christian Center and served as the lead singer during few spots for others, including white women and black praise and worship. As time progressed and other singers men. And while African American males make up an even joined, she decided to transition from the lead singer to smaller percentage than white women, nearly nowhere to a more business-centered role, directing and producing be found on the music exec totem pole is the black woman. the group. Even still, Farrar continued performing with Bloodline, playing both the bass and drums as the group’s Knowing this, it’s no surprise that Kim Farrar wears popularity grew at a rapid pace. her title as Founder, President, and CEO of Bloodline Music Group as a badge of honor. Where the woman is In fact, one could say that their first ever recording oftentimes the pretty face in a competitive music industry, was considered their “big break.” In 2000, the gospel Farrar is both the talent and the team that manages group recorded their first song, “Revelation,” and Farrar 6

Urban Views Weekly | June 8, 2016

Dra’Von Adams, Ashley Farmer, K. submitted it to TV One. Shortly after, the group received an invite by Jeff Majors –host of the network’s The Gospel of Music—to fly to Los Angeles and record it. Having such success with their first record, Farrar knew that Bloodline was indeed walking in their purpose and destiny, and grew excited for the opportunity to travel the country spreading the gospel through music.

“Wearin hats and the sho always

After TV One, came Fridays at Sunset, where they opened for Yolanda Adams and became one of the first and only gospel groups to perform at the Richmond summer festival. As a young group with lots more to learn about the industry, Bloodline quickly made a name for themselves as a one-of-a-kind gospel group

r Music Industry’s Glass Ceiling

By Janna M Hall

Movement was so high-energy, that having to perform behind them really made me seek God to see what we should do. It’s not all about presentation, but more about flowing and doing what God wanted us to do. And on that occasion, instead of doing the high-energy music that someone had just done on stage, we just got up there and worshipped. And that’s what got us invited to London.”

. Farrar, Tiana Seay, Jessica Bagby whose upbeat tempo and sound was unlike most gospel artists at that time. “At one time we did what you’d call hype music, even before people like Tye Tribbett became popular, so what we were doing was unfamiliar to a lot of people,” Farrar explains. “But as we became older and more settled in who we were, it was important that we found our sound and became a more authentic group.”

ng the d calling ots isn’t s easy. ”

And authenticity is exactly what propelled Bloodline to an international audience. After being set to follow up a performance from gospel group Cross Movement, a band whose sound was even more upbeat and hype than theirs, Kim Farrar immediately reevaluated her group’s approach to the show. “Cross

to operate Pro Tools software and learn the intricacies of recording. I probably wouldn’t be doing all of this if it weren’t for her mentorship. I’m blessed to have a woman example to show me that I can do it.”

Making the last-minute executive decision to change the group’s sound landed Bloodline a New Year’s Eve performance at the largest Anglican church in London, England. They performed for an audience of over 14,000, with other major artists like the Winans family on the ticket. As the producer and director, Farrar successfully changed the group’s sound and widened their range of music, appealing to audiences both young and old, local and international. Wearing the hats and Ashley calling the shots isn’t always easy. Farrar’s often underestimated, especially as a music producer. “When I buy sound equipment, people speak to me like I’m clueless and assume I don’t know what they’re talking about. But I know way more than they think I do.” A black woman, Founder, President, and CEO in a male dominated field, Farrar felt it was imperative that she sought out positive mentors who could help her grow Bloodline while maintaining control on both the business and creative sides. She became the protégé of Debra Killings, a Grammy Award-winning artist who knows the ins and outs of the producing music. “I’ve been able to learn so much from her,” Farrar says. “She’s taught me how

Farmer

Dedicated to using the Bloodline name to empower and uplift others, Farrar built a recording studio and started a label with publishing rights. Not only does she record her group’s music there, but she hosts artists who need to record smaller projects without the painful prices that come with commercial studio time. And the uplifting doesn’t stop with the studio. Wearing hats as the group’s manager and publicist, Farrar makes it a point to give back to the community. She’s built a strong connection with its residents, so Bloodline conducts outreach events to support impoverished and overlooked communities in the city. Their next event will be held in Petersburg, VA.

Though the group of six loves performing, Farrar says, this is their true mission. “Jesus came to preach the gospel to the poor. Gospel is the solution. It’s the good news—good news that there’s a way out, good news that there’s hope. We’ve been on big stages, and we’ll be on more big stages, but I get more excited to be out in the communities, bringing light into places where it can sometimes get dark.” Bloodline Music Group is comprised of 6 members: Kim Farrar, Tiana Seay, Ashley Farmer, Jessica Bagby, Dra’Von Adams, and John Jay. Their latest single, “Pure” is now available on iTunes. For more information, visit www. bloodlinelive.com.

Photos Nicholas Briley

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Scholar of the Week

By Janeal Downs

An important part of Gregory Walker’s life, and his favorite thing to do, is participating in sports. His love for sports started when he was younger, when his dad would take him to the YMCA. Not only would he play soccer with his friends, but he would also play basketball at the YMCA. This interest in sports carried over to his time in school and during high school, he played junior varsity basketball in the 9th and 10th grade, varsity football in 10th grade, soccer in 10th and 11th grade and football in his 11th and 12th grade years. Out of all the sports he plays, soccer is his favorite. Among other athletic accomplishments, Gregory’s soccer team won the Conference 26 Championship during the 2013-14 and 2014-15 seasons.

Gregory Walker of Richmond Community

High School

GPA: 4.34 College of Interest: Hampton University Major Community Service: Pine Camp Recreational Center and Gravel Hill Baptist Church Strong Interests: Physical Therapy Favorite Activities: Football, soccer and Jazz Band

While he is still in high school, Gregory works hard not just with sports but also academically. He currently maintains a 4.34 GPA. He is a member of Richmond Community High School’s National Honor Society and also the Jazz Band. With the band he plays the trumpet, which he has played since the 6th grade. Performing with Jazz Band is another one of his favorite activities. Outside of school, he volunteers at Pine Camp Recreational Center and with his church, Gravel Hill Baptist Church, where he helps feed the homeless. Through volunteer work, he has learned to “be thankful for what you have because some people don’t have what you have.”

Scholar0

The YMCA was important to Gregory when Gregory’s interest in sports also encouraged him he was younger, and it still is today. Currently, to continue his education and major in physical he volunteers at the Northside Richmond ™ therapy. One year while playing football, Gregory YMCA. He helps with the child care program, ek of the We tore his ACL, an obviously frustrating situation. referees basketball games and is a member of ”I had to go to a physical therapist and my the Leader’s Club. One of the most inspirational physical therapist kind of changed my attitude people in Gregory’s life is his supervisor in the about it,” Gregory said. His physical therapist’s support inspired him YMCA’s Leader’s Club, Ben Major. “He’s really outgoing, he’s full of to work toward being able to help someone in the same way in the positive energy. If anyone’s down, just being around him will cheer future. In order to pursue his goals, this fall semester Gregory will you up,” Gregory said. attend Hampton University. After getting his bachelor’s degree, he wants to attend a graduate physical therapy program. “I believe this One thing Gregory has learned during his time in high school is that will lead me to a successful career as a licensed physical therapist “hard work pays off.” He plans to continue working hard and one day specializing in providing rehabilitative services to young athletes in the future have his own physical therapy practice. “I’m not the sustaining sports injuries,” Gregory wrote in an essay. type to ever give up on something I have my eye on,” Gregory said. ”I never give up.”

Watch for our Scholar of the Week segment, Wednesdays at 6:30 PM on 

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Steakhouse Quality in Your Own Backyard Here’s a secret: You know those mouth-wateringly delicious steaks you pay top dollar for at steakhouses? You can come pretty close to replicating them in your own backyard with a quality cut from your local grocery store.

arrange a two-zone fire. Replace grate, allow it to heat up and use tongs to brush with an oilsoaked paper towel. Before placing on the grill, allow steak to sit 30 minutes at room temperature. Trim excess fat to avoid flare-ups. Liberally apply salt and pepper. Flip and repeat.

The secret? A super-hot grill and a little attention to technique. Learn how to perfect the art of grilling steak by following these tips from World Champion Pitmaster Chris Lilly. Never again will a jaw-dropping price tag stand between you and a juicy, flavorful steak. The secret to grilling a great steak is a good cut of meat. Look at the steak itself; don’t just read labels. Look for marbling and an even, bright (not shiny) red color. Avoid wet-looking beef, especially if there is noticeable liquid in the tray. Consult the butcher. Ask how long the meat has aged since harvest (20-30 days is best). Whether you’re grilling rib eye, filet mignon or a simple sirloin, follow these six simple steps. For steaks, you want the heat as high as possible. Use approximately 100 briquets, which are made with 100 percent natural premium wood char designed specifically for high-heat and consistent burn. When coals are ready,

Place steak at the hottest part of the grate, directly above coals and sear 2-3 minutes, then flip and repeat. Don’t move the steak, as this will prevent optimal grill marks. Close the lid to prevent flare-ups. After searing, move steak to the warm side of the grate, close the lid and continue to cook until desired doneness. You don’t need to flip the steak during this indirect grilling stage. Using a digital instant-read meat thermometer, check the temperature of the steak while it’s still on the grill (125 F for rare, 135 F medium-rare, 145 F medium, 150 F medium well and 160 F for well done). Remember, steak will continue to cook after it’s removed from the grill. Place steak on cutting board, loosely cover with aluminum foil and allow it to rest 5 minutes before serving. Find more tips for grilling the perfect steak at www.kingsford.com

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In small bowl, combine all wet and dry seasonings and mix, forming coarse paste. Spread paste over both sides of each steak. Wrap each steak individually with cling wrap and refrigerate 2-12 hours. Build a charcoal fire for direct grilling. Grill steaks directly www.UrbanViewsWeekly.com

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Implementing the prerequisites. During the workshop, we talked about the prerequisites for fundraising success. Participants wanted to know how an all-volunteer organization should implement these. Our response: These are guidelines. Take the time to read our book by the same name, and have a person – or team – take responsibility for each of the prerequisites. These should be developed, put in place, monitored, and reviewed. Most importantly, remember that everything doesn’t have to be done at once. Bottom line: Whether you are an all-volunteer organization or one with staff, fundraising is a systematic process that requires constant attention to detail. Copyright 2016 – Mel and Pearl Shaw Mel and Pearl Shaw are the authors of Prerequisites for Fundraising Success available on Amazon.com. For help growing your fundraising visit www.saadandshaw.com or call (901) 522-8727.

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over coals, approximately 450-500 F, 5 minutes on each side. Internal temperature of steak should reach 130-135 F for medium rare to medium doneness. For optimum tenderness, cut flank steaks across the grain into 1/4-inch slices and serve. Urban Views Weekly | June 8, 2016

The Deal

Teach Money Skills to Your Middle Schooler This Summer According to a 2014 University of Michigan Study, the average high school senior – who may already be juggling a part-time job in addition to their schoolwork – knows little about saving or proper money management.

opportunity to talk about what he or she will do with that extra income. If your child has an entrepreneurial spirit, encourage converting a hobby into a summer business. If they show empathy to help others, suggest they donate their time to help elderly neighbors with simple yard work.

In fact, they spend most of what they earn on entertainment and clothing – a pretty bad precedent for young adults heading off to college and the working world. At that age, the money young teens earn in the summer usually comes from parents for household chores like mowing the lawn. Most parents never have a discussion with their kids about how to spend or save that money. Young teens generally don’t think about whether something is a “want” or a “need” — it is typically a want, which would be spent on a game, candy or comics. If you’re the parent of a 12-14 year-old, that might give you pause – or provide a great opportunity to make a difference. Consider using this summer to stop your child’s bad money habits before they kick in. After all, even though most middle schoolers are shy of legal working age, many begin to work at odd jobs that are starting to put money in their pockets you don’t see. Consider these steps for an informal summer money curriculum: Introduce – or reinforce – the “Needs vs. Wants” talk. Maybe your child has a spending goal for the summer – new clothes, maybe a smartphone. It’s all about intelligent money management, even if the goal is somewhat shortterm. The “needs vs. wants” talk is all about delayed

Urban Views Weekly | June 8, 2016

By Nathaniel Sillin

gratification, the foundational behavior of healthy money management. Link it to smart shopping, encouraging the teen to price-compare purchases, gather coupons and come up with other ways to save in print and online. It’s also not a bad idea to let your child start suggesting thoughtful purchases when grocery shopping for your family. Before he or she can drive, you’ll have a chance to discuss choices and spending while you’re both in the store. If they’re not working, give them an opportunity to earn. If your middle schooler isn’t picking up a few dollars babysitting or doing chores, come up with an earning opportunity for the summer. It could mean cleaning out the basement or garage or a project around the house that they can handle. It will provide you both with an

Introduce the ‘bucket” system. It’s hard to know what to save, spend, give or invest without a system. That’s as true for adults as it is for kids. The “50-25-25” rule refers to setting aside 50 percent for everyday, non-discretionary expenses like school lunches or transportation, another 25 percent for savings and the remainder for discretionary purchases, better known as the latest smartphone your young teen says she or he can’t live without. If your middle schooler still doesn’t have a banking relationship, it’s a good time to get started. A custodial checking account will allow you to see how your child is handling money and debit cards are a reliable means of tracking every cent. Also, for savings, you’ll have the opportunity to introduce him or her to price-comparing accounts for features, savings rates and usage fees. Banking relationships should be treated like any smart purchase. Discuss making a budget. Remind your children that if they want to maximize any part of the 50-25-25 system, they need to learn how to find value and stick to a budget. Most importantly, they need to know how to track their spending so they can stay within a budget. The number of mobile apps that allow people, young and old, to track their spending grows each year. Whether it’s pen and paper or technology, let the Continues to Page 11

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The DEAL from page 10

Birthdays • Anniversaries • Weddings • Funerals

teen find a budgeting solution they like. They’ll be more inclined to use it and stick to a budget.

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Consider being more transparent about your finances. There’s no single right answer to the question of how much you should tell your children about your own finances, but keep in mind that they learn by both good and bad examples. It’s important for young teens to know that anyone – even the most important adults in their lives – can make a great financial decision or a mistake. Speak openly about money, with the appropriate safeguards for personal and family privacy. Find a way to make your personal experiences part of the summer money conversation.

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Thirty-one percent of non-retirees plan to keep working past age 67, according to a recent poll. Many working Americans, reportedly, simply can’t afford to retire, while other workers believe delaying retirement may actually be healthier than staying home.

What’s Your Take? At what age do you expect to retire? Check out the story and respond to this week’s poll at TanyaFree.com and the Urban Views Weekly FACEBOOK Page. Listen to the Tanya Free and Friends Talk Show Wednesdays @ 2pm on WCLM1450AM streaming LIVE @ TanyaFree.com and BlackTalkRadioNetwork.com. You can now watch us LIVE at TanyaFree.com and ustream.tv

Ali. Most of them wanted him in prison. The Chicago Tribune published at least 30 anti-Ali stories in one edition. When he showed the first signs of Parkinson’s disease, including slurred speech, many sports writers speculated that he was taking heroin. “The Greatest” from page 3

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understanding that it’s not always about your appearance. It’s not always about who you’re around and how they feel you look, where they feel you come from or your economic background,” Deshauna explained. “Serving in the military has taught me that being confidently beautiful is about being able to earn respect from people regardless of what you look like. As a woman in the military, people associate beauty with weakness and they learn very quickly that I’m extremely strong, and although I’m small, I’m powerful and confidently beautiful is being myself and being very happy with who I’ve become.” CONGRATULATIONS Fellow Trojan DESHAUNA BARBER, MISS USA 2016.

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Nathaniel Sillin directs Visa’s financial education programs. To follow Practical Money Skills on Twitter: www.twitter. com/PracticalMoney

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Bottom line: Middle schoolers may grumble they don’t have access to the car keys or the cool clothes and technology that the older kids do. But they do have something more valuable – time to learn critical lessons about money. Use this summer to build their financial knowledge for a lifetime.

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Heavyweight boxer Ernie Terrell refused to call Clay, Muhammad Ali, and Terrell paid for it. During a 15-round championship fight on February 6, 1967, in Houston, Ali beat Terrell without mercy. Ali taunted him throughout the bout screaming “Uncle Tom!

What’s my name?” Both of Terrell’s eyes were swollen shut from the beating. I first met Ali after he had been stripped of his heavyweight title. I was Minister of Information for the black student union at Tacoma Community College in Tacoma, Washington. I wrote him a letter and said the Black Student Union would pay him $1,000 if he would come to Tacoma and speak to our group. He did. I introduced him to the audience. In July 1970, a federal court forced the New York State Boxing Commission to reinstate Ali’s boxing license.

Urban Views Weekly | June 8, 2016

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Urban Views Weekly | June 8, 2016