JULY 9, 2014
Scholar of the Week - Sharoya White
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1
THE DEAL
Read Contracts Carefully Before Signing By Jason Alderman
I
f you always stop to read the fine print before signing anything, congratulations – your parents trained you well. If you don’t, beware: Your signature could commit you to a long-term gym membership you don’t really want, an apartment you can’t afford or worst of all, paying off someone else’s loan you cosigned.
Broadly defined, contracts are mutually binding agreements between two or more parties to do – or not do – something. It could be as simple as buying coffee (you pay $3 and the restaurant agrees to serve you a drinkable beverage), or as complex as signing a 30-year mortgage.
Once a contract is in force it generally cannot be altered unless all parties agree. And, with very few exceptions (e.g., if deception or fraud took place), contracts cannot easily be broken. Before you enter a contractual agreement, try to anticipate everything that might possibly go wrong. For example: • After you’ve leased an apartment, you decide you can’t afford the rent or don’t like the neighborhood. • Your roommate moves out, leaving you responsible for the rest of the lease. • You finance a car you can’t afford, but when you try to sell, it’s worth less than your outstanding loan balance.
• You buy a car and only later notice that the sales agreement includes an extended warranty or other features you didn’t verbally authorize. • You sign a payday loan without fully understanding the terms and end up owing many times the original loan amount.
• You buy something on sale and don’t notice the store’s “No returns on sale items” policy. • You click “I agree” to a website’s privacy policy and later realize you’ve
given permission to share your personal information.
• You buy a two-year cellphone plan, but after the grace period ends, discover that you have spotty reception and it will cost hundreds of dollars to buy your way out.
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Cosigning a loan can be particularly risky. If the other person stops making payments, you’re responsible for the full amount, including late fees or collection costs. Not only will your credit rating suffer, but the creditor can use VOL.7, ISSUE 28 the same collection methods against you as against the primary borrower, Urban Views Weekly, llc including suing you or garnisheeing your wages. 6802 Paragon Place, Suite 410 Richmond, va 23230
Still, there may be times you want to cosign a loan to help out a relative or Office: 804.441.6255 friend. The Federal Trade Commission’s handy guide, “Co-signing a Loan,” Fax: 888.439.2534 shows precautions to take before entering such agreements (www.consumer. Ervin B. Clarke ftc.gov). A few additional reminders:
• Ensure that everything you were promised verbally appears in writing.
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Administrative Assistant
• Make sure all blank spaces are filled in or crossed out before signing any flora@urbanviewsweekly.com documents –including the tip line on restaurant and hotel bills. Shelia O. Spurlock-Shaw • Don’t be afraid to ask to take a contract home for more careful analysis or Advertising shelia@urbanviewsweekly.com to get a second opinion. A lawyer or financial advisor can help. • Don’t be pressured into signing anything. If salespeople try that tactic, Brittany R. Hughes Art Director walk away. (Be particularly wary at timeshare rental meetings.)
• Keep copies of every document you sign. This will be especially important CHECK OUT OUR WEBSITE for contested rental deposits, damaged merchandise, insurance claims, FOR THE LATEST ARTICLES extended warranties, etc. AND INFORMATION.
• Take along a “wingman” if you’re making an important decision like rent- www.UrbanViewsWeekly.com ing an apartment or buying a car to help ask questions and protect your interests. • Be wary of “free trial” offers. Read all terms and conditions and pay particular attention to pre-checked boxes in online offers.
Bottom line: Contracts protect both parties. Just make sure you fully understand all details before signing on the dotted line. Jason Alderman directs Visa’s financial education programs. To Follow Jason Alderman on Twitter: www.twitter.com/PracticalMoney.
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SCHOLAR OF THE WEEK
Scholar0 ek of the We
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Sharoya White
of
GPA: 3.8 College of Interest: George Mason University Major Community Service: Angel Tree, Breast Cancer Awareness Walk-a-thon, Holton 5k Favorite Activity: Volunteering
Sharoya said her family’s educational background was average. Her father graduated from high school, but her mother was unable to finish because of family issues. “My greatest motivation, I would have to say, was my mother because she pushed me to do all of this because she wasn’t able to do it as a child,” she said. Sharoya said her mother gives freely and she sees her work hard every day to provide Sharoya and her siblings with a safe and nurturing home. Another role model in her life is her cousin who she saw struggle during high school and work her way to success as a college student.
She said the foundation of her success is dedication. This year, she not only served as the Vice President of her senior class, but also took AP classes, honors courses, and the previously mentioned college Biology course. Some
John Marshall High School
Strong Interests: Neonatal nursing
Sharoya White, of Richmond, is a recent graduate of John Marshall High School. She aspires to go into the health field of Nursing. “My interests in Nursing began when I witnessed and fully comprehended the changes that women go through during pregnancy. That’s why I want to become a Neonatal Nurse,” Sharoya said. This year, she was enrolled in a college course for first year Biology majors and said, “It has simply confirmed my dream career.” She plans on getting her undergraduate degree and a masters in the future.
of the volunteer work Sharoya has done for the community includes: working with her school’s National Honor Society’s Angel Tree and food drive, Breast Cancer Awareness Walk-a-thon, and the Holton 5k. She also volunteered for the Mayor’s Youth Academy Global Youth Day. Besides volunteer work, Sharoya was also involved in child care services for seven years. She said despite the misleading and negative influences, her high school experience was positive. As she matured, she said she was able to see the value of getting an education. Sharoya said one of her important qualities is that she is very independent. “I always want to just stand for myself, because I don’t like depending on other people. It’s nothing against that, but I’m just very independent and I just strive for the best,” Sharoya said. This fall, Sharoya plans to attend George Mason University in Fairfax, Virginia. She said her window of opportunity will be greater now that she has completed high school, by attending college and graduating. She said attending college is necessary for her, because it is a vital part for her to become successful. “Helping others and making a difference, whether it be individually or globally, is my passion,” Sharoya said. By Janeal Downs
Watch for our Scholar of the Week segment, Wednesdays at 6:30 PM on
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3
CIVIC BEAT
FUNdraising Good Times
Grow your talent pool: recruit people over 55 Part one of a two-part series
A
and development, and team building.
re you overlooking a valuable pool of prospective employees and volunteers? Are you unknowingly operating from out-dated stereotypes of “senior citizens” and leaving talent sitting on the sidelines?
In today’s lexicon, “talent” means college-educated individuals ages 25 – 35; maybe 40. But, in our experience, that’s a limited definition. Here’s what we know. There are many talented individuals over 55 years old who are unengaged, their talent untapped all to the detriment of the communities they live in, and employers seeking a diverse and experienced workforce. Think about it for a moment: early retirement, buy-outs, downsizing, layoffs, corporate restructuring. These all result in skilled, experienced, and well-connected individuals who are no longer part of the workforce. Many have proven themselves over-and-over again in the course of their careers. They are up-to-date on technology (despite rampant jokes to the contrary), understand corporate culture, know how to work-to-deadline, mentor, strategize, and innovate. They have been doing it for years!
Many of these individuals need to continue working either full-time or part-time. Others have secured their financial future but want to remain active in the workforce and in their community. Regardless of economics most want to give back, feel connected, and contribute. And many have the skills that nonprofits are looking for. “Soft skills” include the ability to manage multiple projects simultaneously, strong written and verbal communication skills, networking, ability to work as a member of a diverse team, stability, excellent attendance, maturity, discretion, time management, decision making, and more. Experience that easily translates to fund development and fundraising includes sales, marketing, training
Book Signing & Chat 2-4 p.m. Saturday, July 12, 2014
Ellwood Thompson’s (Community Room) 4 N. Thompson St., Richmond, VA 23221 (Please purchase the book prior to the event) For information, contact glenn@reddjobb.com Available: outskirtspress.com/glennproctor and amazon.com
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If you want top talent for your nonprofit, make sure you recruit in ways that result in an applicant pool that includes individuals 55 and over. If you want to attract and retain “seniors” as part of your team, take time to assess your own responses to seniors and look for organizational biases that could make your workplace “uninviting.” Are younger managers experienced in managing people older than they are? What is the average age of your workforce? Will you be bringing in one older person or are there others already part of your team? Is your business culture inclusive, respectful, and appreciative?
and you may have struck it rich!
In terms of fundraising and fund development, it is important to remember that many of the larger gifts given to nonprofits are made by individuals who are over 50. Having older people as members of your team is crucial. People who are well connected within your community are even more valuable. Add a history of sales or marketing,
When looking for employees and volunteers, take proactive measures to ensure your pool of applicants includes qualified, experienced, and talented people over 55. The benefits are yours to experience! Copyright 2014 – Mel and Pearl Shaw
Mel and Pearl Shaw position nonprofits, colleges and universities for fundraising success. For help with your campaign, visit www.saadandshaw.com or call (901) 522-8727.
Glenn Proctor
• Career & Life Coach • Retired Executive Editor, Richmond Times-Dispatch • Cancer Survivor • Marine gunnery sergeant • Leadership & Motivation Trainer
This work – the first of a poetry trilogy – represents success, life without regret and writer’s celebration of 30 years dry.
VIEWPOINTS
UNPROSECUTED MURDERS: The Goodman, Chaney and Schwerner Legacy By Dr. T
T
he Civil Rights Act of 1964 is one of the most important pieces of legislation in the history of the USA. It has been 50 years since President Lyndon Baines Johnson signed it into law, making it his signature legislation. The law made it illegal to discriminate on the basis of race, color, religion, sex, or national origin. It ended school, work and public facility discrimination, and barred unequal application of voter registration requirements.
Klux Klan and murdered in cold blood.
Eventually the Deputy Sheriff and several co-conspirators were tried and convicted of civil rights violations in the FBI v. the Ku Klux Klan case, but none were ever charged or convicted of murder. Only 7 of those involved received sentences ranging from 3-10 years, with none of the 7 serving their full sentences. On June 21, 2005, 41 years after this iconic miscarriage of justice, Edgar Ray Killen, a preacher, was arrested and found guilty of manslaughter (not murder) in the “Few pieces of legislation have defined our namurders of Goodman, Chaney, and Schwerner. It is tional identity as distinctly, or as powerfully. It certain the case would have never come to national attransformed the concepts of justice, equality, and democracy for generations to come.” tention had James Chaney disappeared in Mississippi without being accompanied by 2 white – President Barack Obama northerners.
Andrew Goodman, age 20; James Chaney, age 21; and “Mikey” Schwerner, age 24, were Freedom Riders and a part of the Congress Of Racial Equality (CORE). Freedom Summer was a project initiated by CORE in the summer of 1964 as a campaign to register black voters en masse in the Deep South. Goodman, Chaney, and Schwerner were sent to Philadelphia, Mississippi to do just that. Blacks were being terrorized, tortured, threatened, and killed throughout the South in an effort to dissuade them from exercising their constitutional right to vote or even register to vote as citizens of the U.S. The trio of young social justice activists was sent to investigate a church burning in Neshoba County, Mississippi. Initially Goodman, Chaney, and Schwerner were stopped and arrested for going 65mph in a 35mph zone. They were taken to the county jail where Chaney (black) was booked for speeding, and Goodman and Schwerner (both white) were booked for “investigation.” After paying a fine, the three were released and escorted by a Deputy Sheriff out of town. What happened next remains a national disgrace and blight on the honor and character of this nation. These young men were ambushed by members of the Mississippi Knights of the Ku
The value placed on the lives of black people in the U.S., and particularly the South, has historically been minimal as evidenced, in part, by the rate of trial and/or convictions of either white on black or black on black violent crimes, and the disproportionate incarceration rates, income gaps, housing disparity, and education levels of blacks as compared to whites. Today, we have the cases of Trayvon Martin and Jordan Davis, stop & frisk laws and voter suppression initiatives in states and counties where voter populations are disproportionately black and brown. The unprosecuted murders of Goodman, Chaney, and Schwerner remain a national disgrace, and the legacy of inequality in the U.S., given ALL the sacrifices made, remains this country’s shame and belies our most basic foundational platitude “We hold these truths to be self-evident…“
Tawnya Pettiford-Wates, Ph.D. DrT@margins2thecenter.com
Artistic Director and Founder of The Conciliation Project www. theconciliationproject.org and a Professor of Theatre at VCU Up Next Week: Immigrants? Who’z Country is this Anyway?
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Millionaire in the By Marcy Williams
“Over the past year, teen startups have been on the rise with teenagers taking the risk to put themselves out there,” according to StartupNation.com. Changes in the economy, layoffs, and downsizing in major companies or trends in technology – whatever the reason, youth are finding it more lucrative to start their own businesses instead of working for someone else. The traditional lemonade stand, lawn mowing, or babysitting businesses are becoming things of the past. The “millennials” have become much more business savvy and innovative in their approach to making money. Technology, online businesses, and fashion have become the core markets by which youth are turning that $10 per week allowance into millions of dollars.
One young lady has decided to take her financial future into her own hands. At only age 14, Maya Criss decided that now is the time to start planning for her future. No more depending on parents for movie money, spending money or just money for those extra things all girls like to have – clothes and cell phones. Maya has taken her weekly allowance and reinvested it into a profitable business. In her first 90 days, she turned a $200 investment into $1000 in total revenue. In 2013, while cleaning out the garage, Maya realized that she has an overabundance of graphic t-shirts and began to think about other ways she could reuse them. Like many teens, she had so many t-shirts that were considered her “favorite” and she just did not want to get rid of them, but she knew if she did not do something with them her mother would donate them to the Goodwill. She had to figure out a way to take her favorite shirts and reuse them while maintaining the design. Maya stated, “I kept shirts from elementary school field day, volunteer activities, sports, and all the cartoon shirts from over the years just because I thought they were cool and I had a lot of memories from wearing them, but I needed a way to use them for something else”. In October 2013, Maya started her first home-based company, BaNue, which stands for Beautiful N You. She used recycled t-shirts to make scarves and handbags. Now, like most teenage girls, reality television and the trends in fashion that are demonstrated on music videos have had a major influence on the attire and the way in which youth of today dress. Two of the biggest trends in accessories are scarves and handbags. Scarves serve as a major accessory for both men and women as they complement their attire, bring about a sense of fashion, and keep you warm during those frigid winter months. Handbags, on the other hand serve a much larger purpose. Handbags are considered an extension of the woman’s ensemble and her personality. The rule for handbags of today are the more de-
Precise Events and Photography
6 Urban Views Weekly July 9, 2014 www.UrbanViewsWeekly.com
tailed, unique, and bigge
The concept of BaNue ca student was a major cha girls. I made good grade derstand me”. Studies sh than any other time in ad tivities, sports, or having with the teenage years. M just wanted to be me and
even if I don’t look or d way to express her creat the launch of BaNue, she posted pictures on Faceb had orders. As the holid scarves and handbags pe Maya sold over 40 scarve
Making - At age 14
er… the better.
ame from her challenges in school. “Being a middle school allenge for me”, says Maya. “I was not one of the popular es and was active in church, so most kids just did not unhow that it is more challenging being a middle school girl dolescence. By actively participating in extracurricular acg a hobby, you can better manage the pressures associated Maya said, “kids always picked on me, but I did not care – I d I was determined to let them see that I am a good person
dress the way they thought I should”. BaNue was Maya’s tivity, to have an outlet, and make some extra money. With e used social media to help her market her products. She book, Instagram, and Pinterest and before you knew it, she day season approached, Maya was taking orders from 5-7 er customer. In the weeks leading to the Christmas holiday, es and several handbags and lunch bags.
However, success did not stop there for this teen entrepreneur. Maya’s fascination with natural hair and the desire to understand the basics of beauty became her next area of interest. While sporting her all natural, chemical free hair, Maya began to look into natural products for the daily management of her hair while ensuring its health and elasticity. Again, using her favorite tool, the internet, Maya began her research quest to find just the right products for her hair. Much to her surprise, many of the chemicals she tried to avoid were hidden in the very “natural” hair products she was using. So, Maya turned to the kitchen and began making her own all natural and organic hair products. BaNue has now added another line to its products, natural hair care. Using her mother’s favorite cooking utensils and basic items found in the kitchen, she began experimenting with different combinations of natural items to develop a wide variety of hair products. From sprays to oils, hair butters and more, Maya has been able to solve her hair care issues. Not only that, but she is now working on her first book (coming in 2014) that discusses natural hair care, products, styles, and more. Maya’s fascination with natural hair has begun to lead her into a consultative role. Many adults now ask Maya questions regarding hair and how she can help them with their hair. During a consultation with Samantha Thompson, Maya advised her on the proper use of moisturizers, different styling methods, and ways to best manage her hair. Ms. Thompson states, “I was amazed at the wealth of knowledge she has obtained at such a young age. As an adult, I think more adults should listen to our young people as they hold a vast amount of knowledge and we need to really take stock in her gifts and talents”. When asked what is entrepreneurial spirit to you, Maya stated “it is having passion for what you are creating and the determination to make a difference in your life and not allowing people to take your focus off of what you want to accomplish”. Maya is one young lady that has demonstrated that despite the obstacles faced by most teens, you can do whatever you want if you put your mind to it. Maya says, “Not having a parent to push you is no excuse – sometimes you just need to push yourself and stop blaming others when you don’t try”. She said, “I want BaNue to show other teens they can be beautiful in their own skin and not have to worry about being teased by others”. BaNue’s main purpose is to demonstrate the beauty in you by making a decision to love yourself. When you make a decision to follow your passion, work hard, and research for understanding, your dreams can come true, no matter what the age.
Marcy Williams is the CEO Kollege and Kareer 4 Youth, LLC. | www.12kaky.com
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Do Bus i nes s w i th o u r C h a m b er M em b ers! 8 Urban Views Weekly July 9, 2014 www.UrbanViewsWeekly.com
s $AILY 'RACE ,,# s 3HARON 4AHA s 'ALLERY OF 7EAVE 7IGS s 'REATER 2ICHMOND 0ARTNERSHIP )NC s 'REEN ,EAF 3OLUTIONS ,,# s )NFORMATION -ANAGEMENT 3OLUTIONS ,,# s 6IRGINIA (ERITAGE &OODS )NC
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Call 804.441-6255
and find out what we can do for your business.
www.UrbanViewsWeekly.com July 9, 2014 Urban Views Weekly
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Sunday Afternoon in The Park
Feeding the birds at Shields Lake.
Paddle boats on Fountain Lake. Some get up close to get wet. Some create the selfies for friends and family.
The flowers in Maymont make a relaxing and romantic setting.
10 Urban Views Weekly July 9, 2014 www.UrbanViewsWeekly.com
Ervin Clarke
ment
OYMENT
mons Group is hiring a s Tech. Interested applicants
/careers/current-openings.
ced mfg facility located in must have expereience with chniery. Full time with / jtrapp@moslowwood.com
GE MANAGERS lections. Light maintenance. gaildilda@yahoo.com. ave driver’s lic.
Exp, BTRO Lic, and Good vg Pay $700 wkKelly 804-652-
mo Tech - Mon-Fri. Must be ld a Va state license. Please nfo@vpfw.com.
hurch - G/L, A/R, A/P, Payal, office support. nyPlace.com
WANTED 804-638-4488
Do business with a CVAACC member. Go to www.CVAACC.org for the full listing of chamber members.
Strengthening Our Community Through Education, Economics and Entrepreneurship
rinting and Packaging comccountant with an Accountt 3-5 years of manufactuirng mpkg.com
Community Fitness Engagement Specialist Do you have a passion for an active lifestyle? Are you motivated by making a difference in your community? Are you career-minded, but cannot stand the thought of sitting behind a desk all day? If this sounds like you, and you have at least a bachelor’s degree and three to five years of experience working in the community, then we would like to hear from you. The Sports Backers, a nationally acclaimed non-profit community fitness advocacy organization, seeks a full time Community Fitness Engagement Specialist with energy and a passion for health and wellness. This individual will step out into the most underserved areas of Richmond and start fitness related programs at schools, community centers, churches and other public gathering places for youth and adults. A selfstarter that will knock on doors and build trust in the community makes for the ideal candidate. The Community Fitness Engagement Specialist will work in area Title 1 schools getting Kids Run RVA programs set up at these schools. While some relationships already exist, it will be essential that the ideal candidate take charge and hire the needed part time staff and manage the volunteers to keep the programs running throughout the year. A special emphasis will be placed on encouraging participation in fall and spring youth running races and programs. The Community Fitness Engagement Specialist position requires an excellent communicator who must be able to easily interact with individuals and organizations at times that are most convenient to them. The ideal applicant should be passionate about fitness and feel comfortable working in the most underserved neighborhoods in the Richmond region. The Community Fitness Engagement Specialist must be detail oriented and able to communicate effectively in person, on the phone and through e-mails. Although not required, preference will be given to candidates with experience as a fitness instructor or as a coach. Once hired, the Community Fitness Engagement Specialist should be willing to become a certified fitness instructor. This is a fulltime position and reports to the Director of Active RVA, with a salary commensurate with experience. A bachelor’s degree or higher is preferred. Candidates should have 3-5 years of experience working in the community. Please send a cover letter, resume and list of references by July 15 to the attention of Townley Goldsmith-Ray at Metropolitan Richmond Sports Backers, 100 Avenue of Champions, Suite 300, Richmond, VA 23230 or townley@sportsbackers.org.
www.UrbanViewsWeekly.com July 9, 2014 Urban Views Weekly
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12 Urban Views Weekly July 9, 2014 www.UrbanViewsWeekly.com