Urban Views Weekly July 29, 2015

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July 29, 2015

Scholar of the Week – Jasmine Harris

Mexico:

Best Experience Of My Life


Civic Beat FUNdraising Good Times

Nonprofit fundraising values Values are at the heart of a nonprofit and its operations. Our question to readers: what are your fundraising values?

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We truly understand the importance of securing money and resources. At the same time, we caution against a “money first” approach to fundraising. We believe that fundraising should be grounded in a nonprofit’s values. We offer six fundraising values for your consideration. 1. The goals and visions of a nonprofit should first meet the needs of the community served. We all have individual dreams and a vision for a better tomorrow. When crafting or reviewing the vision and goals for your nonprofit, make sure they meet community needs and are more than a vehicle for your personal aspirations. Make clear how your nonprofit will benefit your community, and keep community benefit as a priority at all times.

Letter To The Editor

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Urban Views Weekly | July 29, 2015

2. Leadership should fully understand and support the nonprofit’s vision and goals. There should be no question about the organization’s or institution’s vision for the future, and how it will progress towards that vision. The executive staff and board should use the nonprofit’s vision and goals as a compass to guide their individual and collective work. 3. A successful nonprofit should be volunteer-led. While the nonprofit sector is increasingly professionalized with staff hired to support the implementation of a nonprofit’s vision and goals, each nonprofit should have strong volunteer leadership. Professional staff help ensure a fulltime focus on the nonprofit’s work by individuals who believe in the vision and have the professional qualifications to deliver the services continues on page 5

If you would like to respond to Viewpoints, your submission should contain your name, a full valid address and a daytime phone number. We cannot acknowledge submitted letters. We reserve the right to edit for accuracy, clarity, legality and taste. E-mail (without attachments) to editor@urbanviewsweekly. com. Mail letters to Editor Urban Views Weekly.

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Scholar of the Week

By Janeal Downs As early as elementary school, Jasmine Harris has aspired to be in the health field and help other people. Whenever anyone asked her what she wanted to be when she grew up, “I would always say, ‘I want to be a nurse, a registered nurse,”’ Jasmine wrote in an essay. Not only does Jasmine have an interest in helping others, she has also been influenced by many of her family members who work in the medical field. Her greatgrandmother was a nurse, her mother was a nurse’s aide, and her older sister is currently pursuing a degree in nursing. She wants to become a nurse practitioner, specifically a neonatal nurse. “I have always loved babies, and nursing has always been my passion,” Jasmine said. She said she has always been 100 percent sure that this is the profession for her.

Scholar0

Major Community Service: American Red Cross, 5K, School Cleanup Day, etc.

In order to obtain her education as a nurse, this fall Jasmine will begin of the attending Old Dominion University in Norfolk for her Bachelor of Science degree in Nursing. “I am striving to earn a “B” or better in all of my prerequisite courses,” Jasmine said. “In addition, I will maintain at least a 3.2 GPA throughout my freshman and sophomore years.” She has these academic goals for college, because she knows how competitive and rigorous the nursing programs are and wants her chances of getting in to be as high as possible.

Strong Interests: Becoming a nurse

She has already gotten some experience in the health field while she was in high school. In 11th grade, she took a nurse’s

Jasmine Harris of

Petersburg High School

GPA: 3.86 College of Interest: Old Dominion University

Favorite Activities: Shopping, going to the movies, reading, going out to eat

aide class. “My nursing instructor guided me very well as far as informing me of what to expect in college, exposing me to real life healthcare problems, and also preparing me for critical thinking,” Jasmine said. She also took her clinical at a nursing home, and currently works at a pharmacy. Working at a pharmacy has made her more aware of some of the issues older people face when getting prescriptions. “A lot of older people are on fixed incomes so sometimes they can’t get everything they need for their health,” Jasmine said. Her interest in helping others has also led her to do work within the community. For example, she was administrative assistant at the American Red Cross this past summer, participated in a 5K walk and fun run, participated in School Cleanup Day and many other activities. While she was in school, she was a member of ™ DECA, HOSA (Health Occupation k e e W Students of America), National Honor Society, and the captain of her varsity cheerleading team. Outside of school, Jasmine enjoys shopping, going to the movies, reading and going out to eat. When asked who influences her the most in life, she said herself. “I just know if I want something done right, it’s best I do it myself. I just keep that in mind and keep myself self-building and determined,” Jasmine said. “Growing up, all I did is just motivate myself for my future.” Describing herself as outgoing friendly, sometimes shy, humble and self-motivated, Jasmine said with faith and her family, anything is possible.

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ViewPoints

By Dr. T

Black Bodies & The Criminal Justice System --- Part I Monticello is the plantation home of Thomas Jefferson, located near Charlottesville, VA, and The Whitney Plantation is located just outside of New Orleans, LA. Both have passed through several generations of owners and are now historic landmarks, and regularly receive thousands of visitors throughout the year. Although the Whitney just opened to the public last October 2014 and has yet to celebrate its first anniversary, Monticello has been receiving visitors for almost 90 years now. Both plantations tell a story that is central to the American story, in the first case the narrative of the story told glorifies the stature of a man that was one of the Founding Fathers, an author of the Declaration of Independence, the third President of the United States and a slaveholder, among other things. While the other narrative of the “American” story told, comes from the perspective of the enslaved, powerless and voiceless people who actually lived through being held as human chattel and survived. The experience one has when visiting both plantations is distinctly and qualitatively different because the stories they tell and the history they teach are dichotomously oppositional to one another. That too is the American story that we are living today.

Carolina, and Tennessee joined them. The Confederate states formed their own government with President Jefferson Davis as their leader, in 1861, and the war began with the Confederate soldiers firing on Fort Sumter in South Carolina.

Tawnya Pettiford-Wates, Ph.D.

Founder and Artistic Director The Conciliation Project and Associate Professor Virginia Commonwealth University DrT@Margins2theCenter.com www.theconciliationproject.org

Gaining a recognition of, and an appreciation for, how differently we see our collective history, and the legacy left to us by that history, will begin to give us an understanding as to why we live in a country that has the deepest most penetrating wounds, festering sores, and present day scars that will not begin to heal until they are confronted, acknowledged, addressed and grieved. There is a collective mourning that must take place when we consider the United States of America. The human costs in blood, sweat, pain and suffering that built this nation are immeasurable. Until we are brave enough to face our past, we cannot build a future together and will continue to be plagued by the injustice, inequity and inequality that have created our stratified and race conscious society. We will continue to have blood in the streets and disproportionate numbers of black bodies incarcerated, instead of educated, if we do not stop and truly look at our historic legacy and how it frames the society in which we live today. The new south is littered throughout with vestiges of the old south in its battlefields, museums, monuments, parks, placards, bridges and plantations. It reminds us all of the history we, as Americans, have lived on this land called the United States of America. There are streets and buildings named after the great generals and even the battles both won and lost. The great battle we fought to save the Union is still referred to by two different names, the Civil War fought under the banner of the stars & stripes and the War of Northern Aggression fought under the battle flag of the Confederacy, the “stars & bars.” The Union Army won the war after more than 620,000 soldiers died in combat, more than any other war or military engagement that the United States or its armed forces have ever fought. And it is believed by many historians that 620,000 is an underestimation of the lives lost.

Many revisionists want to claim that the Civil War was, in fact, not fought over the institution of slavery at all, but rather “states rights.” Spinning the rationale for the Civil War in that manner is like the folks who want to claim that, “guns don’t kill people, people do,” when in point of fact, PEOPLE with guns DO kill people. The fact that the Confederate states wanted the right to own slaves, and continue the practice of chattel slavery as a part of its economy, was the major contention of the Civil War. Yes, it was “states rights”; indeed, the right to own human beings as chattel and hold them in bondage with absolute power over their lives and the lives of their offspring into perpetuity, building generational wealth for the white slave holders, and institutionalized generational poverty and disenfranchisement for the enslaved blacks.

The outcome of Civil War offered a measure of freedom to this nation’s black citizens, without education, without full rights of property ownership in land or goods, without employment. All of this was after generations of enslavement, terrorism, rape and torture. What kind of freedom was really being extended in that offering? After slavery came Reconstruction, Jim Crow, Segregation and State Sanctioned Terrorism of blacks throughout both the south and the north. Legalized discrimination in every aspect of social and political life with the Civil Rights Act not being passed until 1964. The offering of Freedom was, in fact, a blank check. Up Next Week: Black Bodies & The Criminal Justice System- Part II

TanyaFree.com/ Urban Views Weekly Poll Oregon is the fourth state to make recreational marijuana use legal. Forty-four percent of Americans say they have tried marijuana, and slightly more than one in 10 Americans currently smoke pot according to a recent poll.

What’s Your Take? Should recreational marijuana use be legal in all states? 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 @ 2 p.m. on WCLM1450AM streaming LIVE @ TanyaFree.com and BlackTalkRadioNetwork.com.

South Carolina was the first state to secede from the Union upon the inauguration of President Abraham Lincoln in 1860. Georgia, Florida, Alabama, Mississippi, Texas and Louisiana followed four months later and Virginia, Arkansas, North 4

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From Values page 2

promised in the mission and goals. Volunteer leaders help keep the organization grounded in its vision and focused on its goals. When volunteers take the lead in raising funds, the impact can be far greater than a fundraising initiative that is staff-driven. 4. Fundraising should start with the strengths and resources that are currently available. Start where you are and take advantage of the opportunities available to your nonprofit, and then extend your reach. Many nonprofits have relationships with individuals who want to provide resources, make introductions, or host home/office events. Start there. Make your case. 5. A fundraising initiative should be guided by a plan that is derived from the organization’s strategic or business plan, and influenced by market research (feasibility study). Don’t jump into fundraising with a “we need money” approach. Craft your strategic business plan, learn

how others respond to your plan, and then begin fundraising in a consistent, systematic way. 6. The operations of a nonprofit should be open and transparent. We can’t say it enough. Be open, accountable, and keep your operations and financials transparent. There should be no secrets. Answer questions honestly; proactively provide information regarding finances, operations, impact and outcomes. Your fundraising values can guide your decisions for short-term and long-term success. Copyright 2015– Mel and Pearl Shaw Mel and Pearl Shaw position nonprofits, colleges and universities for fundraising success. For help with your fundraising, visit www.saadandshaw.com or call (901) 522-8727.

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Mexico: Cultural Awar Janeal Downs is a rising senior at Virginia Commonwealth University from Norfolk, Virginia. She is pursuing a dual degree in Journalism and Spanish. She reports on her experiences during a 30 day international studies assignment in Mexico. Janeal Downs

Warnings and Fears

surroundings. Don’t take taxis alone, don’t carry around too much money, and don’t walk around alone at night, and many other warnings. Are these not the same things people are advised against in the U.S.? There is no secret that Mexico has a travel warning from the U.S. government. Because of this, I could not apply for certain federal scholarships. However, with a scholarship from my school, an immense amount of assistance from my mother, and donations from friends and family, I was able to go on the trip.

Differences in Landscape and Weather After I was far away from the airport, I was able to observe Mexico City with my program members on the way to our destination, Cuernavaca. I noticed that advertisements in the city were much larger than in the U.S. There were advertisements larger than billboards that were draped across entire buildings and walls. The driving was very different. It was a little more sporadic, closer together and hectic. However, I am convinced that this type of driving makes drivers more cautious of their surroundings. After being raised and living most of my life in the very flat Hampton Roads, the steep dips in the streets felt like roller-coasters and were not the most comfortable for me. There were palm trees all along the way and the sharp curves along the mountain gave me a beautiful view of the intense green of Mexico’s nature. In Cuernavaca, the air was warm and tropical. The entire time I was there the weather fell between high 50’s and 70’s. It was perfect. It also rained almost every night which helped a lot with humidity.

With sweaty palms, an overworked heart and tears that I would not let fall, I boarded the plane that would take me to the trip I had only dreamed of for three years. It was July 19 and I was about to be on my way to Mexico to study abroad for 30 days. After struggling for the funds for the trip and convincing, or telling family members that this is what I was about to do, it was finally coming true. The tears at that moment were not from happiness, and they were not from fear of being in Mexico. My biggest concern, with my phobia for flying, were the two flights I would have to take to get to the country. Of course, my family had more concerns. There are gangs and drugs in Mexico, the Cartel is there and all of the stereotypes we have been fed over the years came to their minds. I cannot say I was not a little worried, but I reminded my family about the city, state and country I resided within. Most of the cities where I or my family members have resided, are not the first place people think of when they think of safe. I did not let their fears or my phobia stop me from taking this trip that turned into one of the best experiences, thus far, in my life. Universidad Internacional, the university I attended Before my trip I was reminded constantly to be aware of my 6

Urban Views Weekly | July 29, 2015

The second day after arriving, the members of my program went to Cuernavaca’s Zocalo. First we toured the palace of Hernan Cortez, the conqueror of Mexico, and then we were able to go to the markets. Vendors are a little more aggressive there. In the U.S., if a salesperson asks you more than once if you want to buy their product, it is considered rude; but, in

Dancers in the Zocalo of Cu Mexico, it was just a part of the business. My teacher and program director urged us to bargain at all of the different markets we went to. Throughout the market, within Cuernavaca and other areas of Mexico we would later travel to, we were often greeted with smiles of curiosity and kindness.

Cultural Differences On my first day of school, at Universidad Internacional, I immediately noticed the diversity present. There were people from the Bahamas, France, Austria, Germany, Japan and other parts of the world. “In the summer, and all year we have many people of all colors and flavors,” professor of culture and Spanish as a second language, Francisco Álvarez said. “The professors at this school are multilingual, multi-cultural and we are very sensitive to, and very understanding of many cultures.” Álvarez said there can often be misconceptions on both sides when there are visitors from other countries. Some things we do could be seen as rude to Mexicans and vice versa. Little girls and boys, bathroom attendants, shopkeepers The bridge is and strangers on the street often complimented and sometimes touched my braids. One girl on the


reness and Education

By Janeal Downs

People of African Descent and their International Influence From stories I have heard from other people’s trips abroad, I know that Mexico is not the only place where this exists. In places in Asia, I have heard of the people being intrigued by tourists with darker skin and different hair. However, in both Asia and Mexico, they are also curious about people with blond hair, red hair, or just anyone who looks like a tourist. Although many Mexicans were curious about our differences, Álvarez said there is a large African influence on Mexico and Latin America. “Africa has a strong influence on literature and music,” Álvarez said. “People of Africa still have strong influences in places like Cuba and Puerto Rico, it’s a mix of rhythms.” In places such as Vera Cruz, Acapulco and other places on the coasts, he said it is very common for some Mexicans to be of African descent.

uernavaca, Morelos, Mexico trip was a little taken aback when a woman came up to touch her smooth darker toned skin, but she smiled and thanked the woman for the compliment. As if we were celebrities, our pictures were also often taken and some girls were asked by residents if they could take a picture with them. While some of the African American girls visiting the country were frustrated by the attention they received for their hair and, or skin, I found it flattering.

in a state of Puebla

In the U.S., if we see someone with darker skin, smaller eyes or a pointy nose, we do not automatically think they are from a different country. However, when they start speaking and we hear a dialect unlike ours, many often question them and their homeland. It is curiosity, which is why I was not offended. Curiosity is natural and questions that feed our curiosity is natural. As I walked the streets with my very diverse group, we were often asked where we were from, especially the students with different styles of braids in our hair. I felt as if in Mexico, they were observing and admiring.

Álvarez did not see their curiosity as racism, and neither did I. Unlike the U.S., in Mexico he said there is less racism based on race. Examples of discrimination in the country are between indigenous people and people of European descent. “The Spanish brought many slaves, but in Mexico there was not slavery,” Álvarez said. “Yes the indigenous were treated poorly and yes their life was bad, but they were not slaves exactly.” This can be compared to what the Native Americans in the U.S. experienced and still experience. He said there is also discrimination based off of last names. It is important for them to keep noble last names within the family. This could be compared to people with the last name of Rockefeller in the U.S.

Kindness to Tourists Despite the interest in my group as tourists, in my opinion, people there are more “accommodating” to tourists than in the United States. For example, whenever I met new people, no matter how well they spoke English, most tried to communicate in my native

language. When I passed someone on the street and said “hola,” many would respond with “hello.” I am not sure if it was my accent or the way I dressed that let them know I spoke English, but they always knew. Of course I always insisted others spoke to me in Spanish, because I was there to learn, but I also found this flattering. I cannot count the number of times I have heard someone say, if you are in the U.S., speak English. It is very difficult to guess someone’s native language by their appearance in this country, and I highly advise against it. However, the fact that they wanted to make sure I was comfortable in their country was a kind gesture.

Educational and Cultural Lessons of Studying Abroad Though my family was worried and I had a few concerns about my trip, I must say it was one of the best experiences of my life. I learned so much about the culture and my Spanish has definitely improved, but I got more than just educational benefits. “Traveling breaks stereotypes because you learn about the culture,” Álvarez said. “Knowing different types of people and cultures can help with work, because if you know other people in other countries, there are more opportunities.” I agree with my professor. I met many other Mexican students and young adults during my short stay in the beautiful country of Mexico. As my generation does, we connected and found each other through Facebook, which can make it very easy to keep in touch. International traveling allows for stereotypes to be broken, and international friendships to be created. I observed many similarities and many differences in the people and in the government. Interviews were conducted in Spanish

Hernan Cortez palace, named after the conqueror of Mexico is now a museum.

Next week we will look at challenges in Mexico’s education system. Photos by Janeal Downs

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The Deal

By Nathaniel Sillin

Make Sure Your Freshman Gets a Money-Smart College Start Does your college-bound freshman know how to handle money at school? Campus life can test even the most disciplined young adults on money matters. In the final weeks before you help your student pack up for the dorm, it’s a good time to pack in some money lessons as well. Start with what college will cost. On average, the Class of 2015 graduated with a little over $35,000 in student loan debt, according to Edvisors. Depending on your financial situation and how you’ve planned for your child’s college education, start with an overview of how your student’s college costs will impact your finances now and after graduation.

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If your child will be paying off personal or student loans once they graduate, discuss how that reality should define financial choices throughout college. That doesn’t mean saving every penny and having no fun at all, but such a talk should reinforce how handling money intelligently, setting priorities, and getting a jump on savings can position your child for a much stronger financial start upon graduation. Train them to budget. If your child hasn’t learned budgeting skills, it’s time for a crash course. Budgeting is the first essential skill in personal finance. Teaching children to budget now gives them a head start on dealing with post-graduation debt or long-term goals like affording a home or car. Because teens often live their lives on smartphones, familiarize yourself with the growing range of budgeting apps to keep their money management on course. Talk through on-campus banking and

credit needs. Many parents start their kids with custodial savings and checking accounts at their local bank when they are younger. If your bank has branches in the teen’s college town, that relationship can easily continue. Responsible credit card use is also wise to start in college. Keep in mind that The Credit Card Accountability, Responsibility and Disclosure (or Credit CARD) Act of 2009 requires that anyone under 21, without independent income, have a co-signer to qualify for a card. As such, you’ll be able to keep track of your child’s credit use. However, if they default, you’ll be on the hook – so monitor your child’s bank and credit relationships closely until you agree they’re ready to manage them on their own. Cover credit monitoring and identity theft. With smarter online thieves emerging every day, your child is at risk of identity theft from the minute he or she is assigned a Social Security number. While most teens generally don’t have a credit report until they start earning a paycheck at age 16, be on the lookout for fraudulent activity earlier and make sure they get in the habit of ordering the three free credit reports they are entitled to each year. Throughout college, consider sitting down with children so you can review their annual credit reports together. Bottom line: There’s plenty to do in the final weeks before your kids leave for college. Don’t forget to reinforce important money lessons before they go. Nathaniel Sillin directs Visa’s financial education programs. To follow Practical Money Skills on Twitter: www.twitter.com/ PracticalMoney.

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Tips for ‘Kids Eat Right Month’ this August You want the best for your kids. As role models, parents and caregivers play a vital role in children’s health -- teaching kids about healthful foods and making sure they get enough daily physical activity.

family to enjoy dinner and the opportunity to share the day’s experiences with one another. Research indicates that families who eat together have a stronger bond, and children have higher self-confidence and perform better in school.

More than one third of children and adolescents are overweight or obese, according to recent Centers for Disease Control and Prevention statistics. But childhood obesity, which is associated with elevated risks of high cholesterol, high blood pressure, bone and joint problems and sleep apnea, amongst other adverse health effects, can usually be prevented.

Plan wisely. When planning meals, start by filling half the plate with fruits and vegetables, choosing low-sodium options. Make sure at least half the grains your family eats are whole grains. For beverages, choose water over sugary drinks, and opt for fat-free or low-fat milk. Also, be mindful of appropriate portion sizes.

“August, which is Kids Eat Right Month, is the perfect opportunity for families to focus on the importance of healthful eating and active lifestyles,” says Marina Chaparro, registered dietitian nutritionist and spokesperson for the Academy of Nutrition and Dietetics.

Get moving. After meals, get moving together. Aside from being a great way to spend time together, regular physical activity strengthens muscle and bones, helps to achieve a healthy body weight and supports learning. It can also help develop social skills and build self-esteem. Kids are encouraged to be active for 60 minutes per day.

To help, Chaparro is offering parents and caregivers tips they can use to promote healthy habits. Shop smart. Get your children involved in selecting the food that will appear at the breakfast, lunch or dinner table. Be adventurous by picking a new food every week. Cook healthfully. Involve your children in the preparation of all meals with age-appropriate tasks. Getting your kids involved helps teach them about food, and may entice them to try new foods they helped prepare. Eat right. Breakfast is a critical meal. Make sure no one in the family skips it -- including you. In the evening, sit down together as a

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Urban Views Weekly | July 29, 2015

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“August, which is Kids Eat Right Month, is the perfect opportunity for families to focus on the importance of healthful eating and

Consult an expert. A registered dietitian nutritionist (RDN) can deliver the highest level of nutrition counseling. Consider consulting an RDN to ensure your family is getting needed nutrients with a meal plan tailored to your family’s lifestyle and busy schedule. To search for an RDN in your area, to find more healthful eating tips, recipes and videos, and to learn more about Kids Eat Right Month, visit KidsEatRight.org. As a parent, you are highly influential, and habits formed early on could potentially last a lifetime. Take steps to steer kids to a path of good health.

active lifestyles.”

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How to Guide

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How to Choose a Musical Instrument The right musical instrument will help you create the best sounds and gain the most enjoyment.

Whether you pick up a guitar, a set of drumsticks or a flute, you can relax and have fun. So, how do you choose the right musical instrument?

love music.

Read about your prospective instrument. Make certain that it is the one you want to learn how to play. Look to see if playing will provide any adverse effects. Callouses, carpal tunnel and other injuries might occur if you play too long or incorrectly.

Your musical preferences will give you lots of insight. Which instruments are most pleasing to you? For some people, listening to a drum solo is inspiring and exciting. For others, it seems like a bunch of noise.

Rent the Instrument

Your first step is to look at the music in your collection. Which instrumental songs get those toes tapping and creative juices flowing? Talk to a Music Teacher A professional music teacher can guide you toward the right choices. Sometimes there are physical reasons why some people cannot play specific instruments. The shape of the mouth, the size of the body or hands and condition of the teeth might all help or hinder your ability to play an instrument. A professional will help you identify the best matches for your physique. Try Some Instruments

ON OWN

Some beginners opt to rent rather than purchase an instrument. It is a wise decision if you’re not sure you want to take up a particular instrument. Purchasing an instrument is a big investment. It is a great way to get your feet wet without committing yourself. Try to rent your instrument from a company that will let you apply payments to another instrument if you change your mind. Also, rent from a company that also services the instruments it owns. Most instruments need maintenance and repair periodically. Take Lessons Finding the right teacher can make your experience a success. After all, no one can learn to play an instrument overnight. It is not unusual to start with one instrument and then move to more advanced equipment. Beginners don’t have the skills to master advanced instruments in the beginning. It doesn’t make sense to purchase professional-quality equipment unless you are certain that you are sticking with it for a long time.

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The music store should be a hub for musicians in your community. Look for a store that has been in the same location for a long time. The shop may offer music lessons, or they should know of private lessons in your area. Look for knowledgeable salespeople who

Research the Instrument

Discover Instruments You Like

Call Lisa Johnson at 804-307-1906

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Trying different musical instruments will give you a good idea which one is right for you. Most musical stores will allow you to test instruments at their location. Visit when the store is not crowded for the best opportunities to play.

It seems as though learning to play a musical instrument is on everyone’s bucket list. The good news is that it is never too late to learn. Playing an instrument can help you to be more alert. It stimulates the brain and helps improve memory. Studies show that children who learn to play a musical instrument at an early age may also learn to read earlier.

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Read reviews on the Internet. Talk to professional musicians about the instruments they like best. Have them describe their experiences. Then make your decision. Many music stores will allow you to make payments until you own the instrument outright. It is a good option when money is an issue. Urban Views Weekly | July 29, 2015

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Urban Views Weekly | July 29, 2015

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