Urban Views Weekly August 17, 2016

Aug. 17, 2016

Scholar of the Week - Elise Chapman

Put an “A” for Arts in STEM

Civic Beat FUNdraising Good Times

You’ve raised the money, now how do you keep it?

Part one of a two-part series: An interview with Leland Faust Financial management and investing is critical to the sustainability of nonprofits.

As a board member or trustee, you have a fiduciary responsibility. But how do you fulfill that responsibility? What do you need to know as it relates to financial management and investment?

The first question we asked Faust was about the impact Wall Street can have on the financial health and viability of nonprofits.

Here’s his response.

“Wall Street can have a significant impact on the financial health of nonprofits. Charging higher fees than necessary obviously leaves less for the operations of the nonprofit.

A quick example will illustrate this. If a nonprofit earned 7% per year on its endowment after necessary expenses, then $1 million of principal would earn $70,000 per year to fund its projects. If it is charged an extra 1%, then the annual amount is reduced to $60,000.

Obviously this is a loss of $100,000 over 10 years. Higher fees generally lead to lower returns and do not correlate with higher returns on investment.

"Financial management and investing is critical to the sustainability of nonprofits."

To get some perspective we talked with Leland Faust, the founder of CSI Capital Management.

In addition to degrees from the University of California (Economics) and Harvard Law School, Faust managed over $1.5 billion in assets from 1978 through 2011. Barron’s has named him four times to its annual list of top 100 independent investment advisors in the country.

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If that’s not enough, Faust also has a long history of engagement with nonprofits, having served on the boards of diverse organizations. These include Maccabi USA and Planet Hope. We met Faust years ago when all three of us were involved with another nonprofit, Alive and Free, then known as Omega Boys Club.

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Urban Views Weekly | August 17, 2016

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“Too often Wall Street encourages nonprofits to engage in more risky investing than is prudent. This exposes the nonprofit to greater risk of losing its principal and thereby jeopardizing its programs. CalPERS, the largest state pension fund in the country, provides a very recent example. For the fiscal year ending June 30, 2016, it earned approximately 0.6%

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Health News

sponsored by VCU Health

Getting Ready To Go Back To School

J. Chevonte’ Alexander

Immunization Awareness Month

Can you believe we are halfway through the summer?

There is just about a month left of the summer vacation and our children will be returning to school in the fall.

As we start back to school clothes shopping or shopping for school supplies, now is also the best time to start planning for getting the kids ready for back to school immunizations. That’s right - shots!

Getting vaccinated, according to the recommended immunization schedule, is one of the most important things a parent can do to protect their child’s health.

Diseases can quickly spread among groups of children who aren’t vaccinated. Whether it’s a baby starting at a new child care facility, a toddler heading to preschool, a student going back to elementary, middle or high school – or even a college freshman – parents should check their child’s vaccination records. It’s better safe than sorry!

Dr. Elizabeth Wolf, a general pediatrician at Children’s Hospital of Richmond at Virginia Commonwealth University comments, “Immunizations are one of the best medical interventions that scientists have ever created.

Immunizations are a way to stimulate the body’s own immune system to fight off certain bacteria and viruses.

Before vaccinations, childhood death was a relatively common occurrence but now, thankfully, it is a rare event.”

During the month of August, Immunization Awareness Month, Dr. Wolf encourages families to stay up to date on vaccinations for their children and for themselves.

Families can check out the schedule laid out by the

systems due to cancer and other health conditions.

Additionally, states may require children who are entering child care or school to be vaccinated against certain diseases. Colleges and universities may have their own requirements, especially for students living in a dorm.

Urban Views Weekly asked Dr. Wolf how she would address a family who is apprehensive to getting their children vaccinated.

Centers for Disease Control and Prevention that can be found at www.cdc.gov/vaccines/schedules. If you are unsure if you or your child are up to date, check with your doctor’s office.

Child care facilities, preschool programs, schools and colleges are prone to outbreaks of infectious diseases.

Children in these settings can easily spread illnesses to one another due to poor hand washing, not covering their coughs and other factors such as interacting in crowded environments.

When children are not vaccinated, they are at increased risk for disease and can spread disease to others in their play groups, child care centers, classrooms and communities – including babies who are too young to be fully vaccinated and people with weakened immune

“I would encourage them to talk to their child’s doctor.

Studies have shown that families rely on their child’s physician for reliable scientific information. Vaccines are extremely well studied and safe. I would also refer them to the Vaccine Education Center created by Dr. Paul Offit at the Children’s Hospital of Philadelphia (CHOP), which can be found at http://www.chop.edu/centers-programs/ vaccine-education-center.”

“This center does an excellent job of answering parents’ questions one by one. I would warn parents about the abundance of misinformation on the Internet. Websites that are trying to sell a particular product or service may not be giving accurate information.”

So, as we start back to school shopping, it is important that parents and children are also taking the appropriate medical steps to make sure their child is completely ready to go back to school.

There are so many reasons to manage your blood pressure. Here’s just one. vcuhealth.org VCU3308-1_UrbanViews_BP_Ad_9_89x2.indd 1

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Urban Views Weekly | August 17, 2016

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ViewPoints

By Dr. T

Systems, Structures and Culture The United States Justice Department just issued a scathing report on the Baltimore Police Department that showed unequivocally that Baltimore Police routinely targeted and stopped Black citizens without cause. This was a Pattern and Practice Investigation of the police department after the tragic death of Freddie Gray last year. The City of Baltimore actually requested this investigation to support its promise to be more transparent after the community erupted in protests and unrest in response to Freddie Gray’s death. Although 6 police officers were arrested and charged with a broad range of criminal charges, they were either acquitted or all charges were ultimately dropped, and none of the officers involved will be held accountable for the young man’s death.

The Justice Department found that the Baltimore Police Department (a Structure of Law enforcement) as a matter of practice (created a System that) intentionally targeted minorities, thus producing and sustaining (a Culture) that supported both its system and its practice. The structure, the system, and the practice of law enforcement officers stopping Black citizens for no distinct reason has been “joked” about within the Black community for ages. “Driving while Black,” “Running while Black,” “Walking while Black,” “Just being Black while Black” are all punch lines to many a joke shared to break the tension of actually being Black in America. You gotta laugh to keep from crying, as the elders always said.

Increasingly, the tension within our communities, the rise of new movements like Black Lives Matter and continued protests in response to what “appear to be” benign police stops that have, increasingly, turned fatal over the last few years underscore the importance of this most current diagnosis by the U.S. Justice Department. The information

age and proliferation of digital and social media has brought worldwide attention to the problem of systemic and institutionalized violence in America, aimed at targeted and oppressed communities. The Justice Department’s report validates what WE have always known within the Black community. They have documented in no uncertain terms that the Baltimore Police Department engaged in escalated use of force practices excessively within the department rather than de-escalation practices. Further, the investigation found that the police department actually specifically directed its “enforcement practices” towards the African American community and its citizens. That is racism and it is REAL.

So what now? Does the DENIAL continue? The continued focus on rationalizing BAD policing and Bad police officers as “just a few bad apples” or will we continue to excuse our law enforcement officers because they have an extremely hard and challenging job to do and need our support? All of these platitudes are true and yet, they do not adequately respond to the report by the Justice Department. The report is not talking about individuals, although I’m sure it does address individual law enforcement officers’ training and personal responsibility. This report addresses what are systemic and institutional problems. These problems have created tragic and generational consequences within the African American community and the denial by all the responsible constituencies has created a Culture in this Tawnya Pettiford-Wates, Ph.D. country that affirms, validates and rationalizes these patterns Founder and Artistic Director and practices as not only normal, but also necessary. And that The Conciliation Project and Associate Professor is the Culture of Violence and the Legacy of Racism we have created in this nation. Until we are willing and able to face Virginia Commonwealth University the system and the legacy, we will be unable to effectively disDrT@Margins2theCenter.com | www.theconciliationproject.org mantle it and history will indeed continue to repeat itself.

TanyaFree.com/ Urban Views Weekly Poll Three African American college roommates in Southern California have sparked a debate over their specific search for a fourth roommate that was a “POC,” a common abbreviation for people of color.

Their college is reportedly 48% White, 15% Hispanic and 5% African American.

What’s your take? Is this a case of reverse racism?

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

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Tank to Table

By Dr. Hollee Freeman, Director, MathScience Innovation Center What is the job market in aquaculture? Jobs in aquaculture continue to increase. As the industry has grown, there has developed a scarcity of applicants knowledgeable in the field. To help meet the ever-rising demand for employees, the Virginia Institute of Marine Science (VIMS) operates an “oyster boot camp” to train small numbers of interns on a working oyster farm. Graduates of this OAT (Oyster Aquaculture Training) Program have been hired in Virginia as well as other states.

Chances are you’ve heard quite a bit of news lately about food deserts in the region. You may be part of the increasing number of urban farmers who grow their own fruit, vegetables or even raise chickens in your home, backyard or community garden. We have a sense of how to farm the land but how do we farm the sea? And why would we want to?

The science of sea farming, or aquaculture, is much more than fishing or harvesting aquatic plants and animals.

Aquaculture is a way of cultivating food under controlled, sustainable conditions to ensure that food deserts of the sea do not exist and thus we have a steady and sustainable food source, as well as a clean and healthy marine environment.

In the last two years, Virginia has become even more of a leader in this area. In 2014, shellfish aquaculture in the state yielded $55.9 million in dockside value (up to a 33% increase from 2013) of which oysters accounted for $15.4 million (an increase of $4.2 million or 39% when compared to 2013). Recently, First Lady Dorothy McAuliffe, announced the Tangier/Middle Bay Region as Virginia’s Eighth Oyster Region and cited Virginia as the “Oyster Capital of the East Coast”. During the dedication, Secretary of Agriculture and Forestry Todd Haymore agreed and reflected on Virginia’s growth as a leader in the oyster and aquaculture industry. Oysters, while a sizeable industry, are not the “only game in town” as Virginia’s own Blue Ridge Aquaculture is the world’s largest indoor producer of tilapia, yielding nearly 4 million pounds yearly.

As we know, communities benefit from an informed youth population. Raising awareness of issues involving the health of the Chesapeake Bay watershed will strengthen the resolve of individuals to protect this valuable economic and recreational resource. Also, aquaculture as an industry continues to grow as demand for healthy food increases, particularly in Virginia. The aquaculture industry also affords a wide variety of career options such as animal production and protection, research, prep cook, aquaculture scientists, wildlife specialist, fish culturist and many more.

A career in aquaculture truly has “something for everyone.”

What is Aquaculture?

Aquaculture is the breeding, rearing, and harvesting of animals and plants in all types of water environments. Such enterprises may yield consumables, such as finfish and shellfish, as well as stock for replenishing native populations, such as trout. www.UrbanViewsWeekly.com

From Right: Deborah Pratt, oyster shucking champion, instructs Hollee Freeman and Steven Oden in the proper way to efficiently open an oyster.

Why is aquaculture important?

Conventional methods of harvesting wild fish and finfish compromise the wild populations and often result in unsustainable practices. For example, harvests of oysters in the Chesapeake Bay have decreased Imagine by 90% since 1960. Oyster “farming” provides a sustainable supply of product without impacting the wild populations.

Isn’t fish farming bad for the environment? Historically, aquaculture ventures have been criticized for failing to provide a sanitary method of producing vast amounts of product. However, eco-friendly practices can be successful. Blue Ridge Aquaculture in Martinsville, VA, uses a state of the art recirculating system to produce tilapia in a clean and ecologically conscientious way. Smaller scale aquaponics tanks, such as the one used at the MathScience Innovation Center, can successfully raise 100 pounds of tilapia without impacting the environment. Oyster farming actually improves the Chesapeake Bay – as more oysters are consumed more are “planted”, which increases the numbers of these biological “filters” in the Bay.

What are the career options in aquaculture? Jobs are varied and appeal to a diverse population: blue-collar positions in the outdoors leading to farm management, laboratory jobs in algal culture or oyster genetics, engineering and system design, marketing, retail sales, culinary arts, fisheries, transportation logistics to name a few.

For more information on our aquaculture (and other) free programs for students, as well as a calendar of events, please contact the MathScience Innovation Center. 804343-6525 www.myMSiC.org.

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Integrating the Arts and R In 2009, the Obama administration announced the 2009 “Educate to Innovate” campaign, which focused on motivating and inspiring students to learn and excel in Science, Technology, Engineering, and Math, also known as STEM. The administration’s goal was to get American students, who typically fall somewhere in the middle when ranking internationally, to rank at the top of the pack over the next decade when it comes to these subjects. Since rolling out the campaign, Americans have become more involved in programs and initiatives that encourage young students—and particularly young girls—to see themselves majoring and working in STEM-related fields.

With the help of organizations like Black Girls Code, YesWeCode, Code.org, and Girls Who Code, young black children from all backgrounds are learning to code and seeing first-hand how easy it is to create their own website or video game. CodeVA, located in downtown Richmond, focuses on supporting children and families in their quest to learn and excel in coding and programming. The programs and support systems these types of organizations have put in place expose inner-city youth to a world beyond what they ever thought was possible.

They’re learning what goes on behind the screen of their favorite video games, and are able to view technology as something they, too, can create. Thanks to these programs, African American children can see that a field that’s often dominated by white, Indian, or Asian males has a place for them, too. They, too, can break into these industries and shape the future of technology.

In actuality, it’s imperative that our children, especially inner-city youth, explore career options outside of what they’re exposed to in their daily lives. The sky’s the limit for our youth, but they can never be what they never see.

Success lies in careers beyond a pro-athlete or famous musician. Our educators should show students that they 6

Urban Views Weekly | August 17, 2016

can create and develop the next Twitter, Facebook, or Snapchat. They have the potential to break records by going into space with NASA, or invent a tool that makes life better and easier for generations to come. When developing well-rounded students who have a future of promise, it’s important that we provide options for them.

One option that’s not often considered, however, is the Arts. In the haze of science, technology, engineering, and math, society as a whole has forgotten that there’s a creative aspect to even the most technical of careers. Every mobile application has a captivating logo. The functions of a website have to be unique in order to gain repeat visitors.

Graphic design is a need nearly every company has. If presentation matters for every small and major company, why don’t we focus more on the careers that perfect presentation? The arts are so often overlooked, and creative majors are often dismissed as “starving artist” majors. We’re told that majoring in English is fine, but don’t expect to make much money. Taking art as an elective is great, we’re told, but don’t you dare focus your studies there. But the arts are rarely understood on a granular level.

They’re rarely broken down into the concentrations that provide skills necessary in today’s world.

Graphic design students learn the creative ways in which to captivate an audience either in print or digitally, using their own unique eye to make visual statements. They bring a company or organization to life, developing the logos that separate them from competitors. In fact, in 1971, Carolyn Davidson invented the Nike “swoosh” while attending Portland State University as a graphic design student. Given only the instructions to create “something to do with movement,” she worked for nearly 18 hours and produced the iconic logo, which she sold to the Nike founders for just $35. Because of her keen eye for angles, outlines, and ability to bring a simple concept to life, the

“...society as a whole has creative aspect to even the symbol of her creativity is now immediately recognized around the world. Every magazine you read, website you visit, and CD you buy has benefitted from a graphic designer.

Another art form is photography.

Photography is all around us, so much so that we don’t even realize that we’re constantly consuming it. Nearly everything we see online is a product of a photographer. Magazines are simply books with pages and pages of visually stunning photographs. Our favorite movies and documentaries are completed by photographers and videographers that can bring a story to life behind a single camera. And it all takes a special creative eye, the eye of only someone who’s embraced

Revolutionizing Education

By Janna M. Hall

writers have a critical role in our daily lives. Not only are they writing works that we’ll read decades from now, but the digital and printed content we read in newspapers and magazines daily are written and copy-edited by an artist. They have a keen eye for how words, when crafted properly, can sell any product, explain any concept, and convince any skeptic that they should support a cause or business. The technology world doesn’t thrive without the writers who craft press releases, descriptions, and slogans that introduce them to the world.

s forgotten that there’s a e most technical of careers.” the arts and understands how prevalent they are in our daily lives. For those looking to perfect their craft, the Virginia Museum of Fine Arts offers classes and workshops helping photographers understand the intricacies of photography and printmaking.

Their workshops, which range from pottery to design and mixed media, help Richmond artists bridge the gap between historical art forms and how they play a role in today’s world.

Finally comes writing. Even when we don’t readily realize it, writing is art. In fact, almost every form of writing can be considered art. Too often we view writers as the famous poets and novelists whose works we read long after they’re gone, but

Self-expression—be it in the form of graphic design, photography, writing, or even painting, is not only therapeutic, but contributes greatly to society as we know it today. Too many of our youth lack a true outlet for their creativity; schools focus so much on STEM and leave creative subjects an afterthought, an elective. But it’s time to change STEM to STEAM and recognize the creative talents of youth who aren’t into number-crunching, technology, or coding video games and mobile apps.

Tiona Bland, a Chesterfield, VA native whose daily work focuses on the creative development of young children, believes the arts are so critical in developing wellrounded students—and people in general.

“What arts does is it allows children to begin exploring at an early age who they are. When you’re doing math, you’re learning specific formulas: this plus this will always equal this. And with science, this component mixed with this chemical is always going to create this. These are

things that don’t change, and they’re embedded in us at an early age. But when it comes to writing and the arts, a person can explore themselves and who they are and learn to express themselves in other ways.”

And that’s key in early childhood development as it relates to who they are and what field they’ll embark on growing up. In addition to exploring the STEM fields, they need room to discover their personal passions and talents and find ways to express themselves.

Such freedom not only allows them to develop a uniqueness that will take them far in their creative career later on, but it also breaks down communication barriers among students, Bland found during her time as a Chesterfield County Public Schools teacher.

“If you have a child that’s experiencing some type of anger issue or shyness—really any social issue—introducing the arts is a way to help them work through it. I’ve worked with kids who won’t speak in front of a crowd, but will flourish when put in a performance, or can write a beautiful story or create a beautiful drawing. They express themselves through that.”

All in all, we need to provide a safe space where children can explore their creativity without limit or bounds. There’s a place for everyone at the table, and it’s not a matter of which table. It could be the creative writer’s table for the next hit TV show, or the table comprised of engineers designing a more-efficient aircraft carrier. Our young boys and girls deserve to know that they have a safe space to express themselves, and plentiful options for their future. www.UrbanViewsWeekly.com

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By Olivia Carey

Happenings The Happenings is a compilation of things to do in the cultural hub of RVA. Some events will be traditional urban offerings, and some more eclectic. All of them give us the opportunity to broaden the horizons of entertainment with art, music, and history.

Olivia Carey is a rising senior at Mills E. Godwin High School.

Thursday, August 18 Drawing on the Local: Writing Richmond at Patrick Henry’s Pub & Grille The James River Writers are bringing back the literary salon. Listen to other creators with a panel of authors and enjoy an intimate setting that fosters positive growth and connection. No matter your genre of choice or skill level, this gathering is open to all. The discussion will surround what it means to be a writer in RVA, and the myriad of ways in which the city is a muse.

When: 7:00 – 9:00 p.m.

Where: 2300 E Broad St., Richmond, VA 23233 Cost: free

On Saturday, the brewery brings a couple of different groups together. NYC folk trio Kings and Queens unites artists Christopher King, Valerie Reaper of Valerie Reaper and The Keepers, and Sylvana Joyce of Sylvana Joyce + The Moment. RVA’s own Moosetrap will play with them. Originally from King William, VA, Moosetrap has made Richmond their focus for nearly a decade. Daniel Blanchard, Nate Hubbard, Chip Hale, Eli Hubbard, and David Pruitt come together to create an Americana, altcountry, folk, indie rock sound.

When: 8/18 - 8:00-10:30 p.m.; 8/19-20 8:00-11:00 p.m.

Where: 3445 W Cary St., Richmond, VA 23221 Cost: free to patrons 804.918.6158 gardengrovebrewing.com

Friday, August 19 “Pan” showing at Bryan Park

804.433.3790 jamesriverwriters.org RVA Artists at Garden Grove Brewing: Alice + The Reverie, Rattlemouth, and Moosetrap Local brewery Garden Grove Brewing will be featuring RVA band Alice + The Reverie.

Sit down in the summer evening with a carefully-crafted drink and indie rock from Miriam Martin on vocals and guitar, Casey Sanders on bass, Evan Surmaj and Adam Drudge on guitars, Josh Santamaria on drums, and Jesse Hooper on keys.

Garden Grove will continue to feature RVA artists for the rest of week.

Stay tuned for Rattlemouth, who have been bringing folk music of the world to Richmond since 1989 and will show 8

on Friday. Danny Finney, Robbie Kinter, Wayne O’Bryan, and Austin Green pull from Lebanon, Ethiopia, and just about everywhere else to create worldly sound in the city.

Peter Pan, a cheeky magical boy, has been in existence since the early 1900s. The animated Disney movie that he’s most known for came out in 1953, but the new prequel was released in 2015 with the movie “Pan”. Starring Levi Miller, Hugh Jackman, Garrett Hedlund, Rooney Mara, and Amanda Seyfried, “Pan” spins an alternate origin story for Peter and nemesis Captain Hook.

Orphan Peter finds himself in Neverland and discovers his destiny alongside James Hook and Tiger Lily as they try to defeat evil Blackbeard the pirate. Bring friends and family out to the park and watch the fantasy unfold.

When: 7:00 p.m.

Where: 4308 Hermitage Rd., Richmond, VA

Urban Views Weekly | August 17, 2016

Cost: free 804.646.5733 richmondgov.com/parks

Saturday, August 20 Family Classics at the Byrd Theatre Richmond’s Byrd Theatre hearkens back to the opulent escapism of 1920s cinema.

Paintings, gold leaf arches, and a massive crystal chandelier transport the audience to 1928, the year the theatre was built.

A double feature consisting of Charlie Chaplin’s 1921 silent film “The Kid” and Albert Lamorisse’s 1956 Oscar-winning short “The Red Balloon” only brings the carefully-preserved theatre closer to its roots.

Before the show, enjoy an organ concert with Bob Gulledge and a Warner Bros. cartoon.

richmondgov.com/parks Naturals Got Soul at 63Thirty5 Naturals Got Soul is a chance for women who embrace their natural hair to find camaraderie in their tresses and learn how to better care for them. Orchestrated by the founders of Natural Power of HER, friends Samantha and Bianca, the event includes classes like “Natural Hair Care 101”, “Color treated natural hair”, and “Loc styling and maintenance”. In addition to the celebration of and education on natural hair care, Joi “Unspeakable” Donaldson will use soulful poetry to inspire and empower, and soul artist Bri Luv will perform. Learn, shop, and celebrate hair!

When: 2:00 – 6:00 p.m.

Where: 6335 Jahnke Rd., Richmond, VA 23225 Cost: $15 (can be purchased online)

When: 10:00 a.m.

hello@naturalpowerofher.com

Where: 528 N 2nd St., Richmond, VA 23219

naturalpowerofher.com

Cost: $1.99

Sunday, August 21

804.353.9911 (showtimes) 804.358.3056 (office) byrdtheatre.com 8th Annual Latin Jazz and Salsa Festival at Dogwood Dell’s 60th Festival of Arts This year’s festival is ripe with opportunity to enjoy Latin jazz and Salsa music from successful performers like Latin Grammy and Billboard Music Award Nominee Luisito Rosario, Broadway/TV actor and singer Allen Hidalgo, and Salsa singersongwriter/dancer Melina Almodovar (a.k.a. La Muñeca de la Salsa). Catch one of the last few performances as Dogwood Dell’s 60th Festival of Arts draws to a close.

When: 4:00 p.m.

Where: 600 S Boulevard, Richmond, VA 23220 Cost: Free 804.646.1437

Butterflies LIVE! At Lewis Ginter Botanical Gardens The North Wing of the Conservatory at Lewis Ginter Botanical Gardens is quite literally fluttering with life. Hundreds of tropical butterflies, drifting by and alighting on a flower from time to time. People of all ages are allowed to wander through the tropics with butterflies and marvel at the sight.

The indoor exhibit will stay open until October 9.

When: 9:00 a.m. - 5:00 p.m.

Where: 1800 Lakeside Ave., Richmond, VA 23228 Cost: Adults $13; Seniors (55+) $11; Children (3-12) $8; Children (under 3) and members – free 804.262.9887 lewisginter.org www.UrbanViewsWeekly.com

Monday, August 22

The Deal

This Fish Needs a Bicycle at The Camel This Fish Needs a Bicycle, a 90-minute cabaret by RTCC award-winning artist Billy Christopher Maupin. Starring Billy Christopher Maupin, director of Richmond Men’s Chorus Joshua Wortham, and lead guitarist of RVA band Fool’s Errand Tristan Dougherty, you can expect to hear songs titled “Will He Like Me?”, “I Wish I Could SHimmy Like My Sister Kate”, and “Down With Love”, among others. A new song by international artist Psalm Swarr will also premiere during the show.

When: Doors 6:30 p.m., show 8:00 p.m.

Where: 1621 W. Broad St., Richmond, VA 23220 Cost: General admission $15; 2 top reserved seating $40; 4 top reserved seating $75 804.353.4901 thecamel.org

Tuesday, August 23 Christopher Titus at Funny Bone Comedy Club Christopher Titus is known for his fast-flowing current of humor centered around the dysfunctionality of his life and humanity in general. Divorce, suicide, mental illness: he covers it all. His 7th special, “Born With a Defect” is no exception as he continues with his dysfunctional theme, talks about fatherhood, and offers a look into his life. Since 2004, Titus has brought a new act every year to two years, six of which run on Comedy Central. He was the star, executive producer, and co-creator of Emmy-nominated FOX show “Titus”. Currently he hosts “Pawnography”, a game show “Pawn Stars” spin-off on History.

This show is 21 and older.

When: Arrival 6:45 p.m., show 7:30 p.m.

Where: Short Pump Town Center, 11800 W Broad St. #1090, Richmond, VA 23233 Cost: $25 804.521.8900

richmond.funnybone.com

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By Nathaniel Sillin

How to Find the Right Financial Advisor for You If having a dedicated professional to help you manage your money sounds appealing, consider looking into a financial advisor – regardless of your income. There’s no substitute for financial education but an expert advisor can help you with your financial goals.

There are many kinds of advisors who are trained to help you with many different aspects of your finances. Here are some of the most common ones: Financial counselors work with you collaboratively to help you identify goals and potential solutions to your personal financial problems. They can help you understand complex monetary issues and improve how you manage your money. Consider finding a certified financial or debt counselor to fit your needs through nonprofit organizations like the Association for Financial Counseling and Planning Education (AFCPE), or National Foundation for Credit Counseling (NFCC).

1. Check their credentials. When your money is at stake, it’s crucial to make sure your advisor is accredited and legitimate. If you’re considering a potential stockbroker, FINRA has a search tool that allows you to see a broker’s employment history, licenses, complaints against them, and more. You can also search for information on investment advisors on the SEC government website.

2. Understand the differences between advisors held to a fiduciary or a suitability standard. Investment advisors held to a fiduciary standard are legally obligated to act in your best interests. Advisors who are registered to provide services under a suitability standard are obligated to choose investments that are suitable for you. However, this doesn’t mean that advisors who work under a suitability standard are not good options – regardless of which standard they’re held to, advisors with integrity work for your best interests.

"...an expert advisor can help you with your financial goals."

Investment advisors can provide a wide range of services, whether it’s helping you plan for your retirement or advising you on how to manage your investments. You pay for their services with either a flat salary or a percentage (typically 1 percent) of the assets they manage for you. To learn about the basics of investing and investment products, visit the U.S. Securities and Exchange Commission (SEC) Investor website.

Broker-dealers or stockbrokers do many of the same things that investment advisors do, but it’s important to note that their job is to persuade clients to buy or sell financial products such as bonds, stocks and ETFs. Unlike investment advisors, they’re paid on commission – the more transactions you make, the higher their pay. For detailed resources and advice for investors, visit the Financial Industry Regulatory Authority (FINRA) website.

Tax advisors or tax preparers are specially trained in tax law and work to make sure everything goes smoothly when tax season rolls around. They ensure you pay your fair share, but also that you’re not paying more than you need to. They are typically paid by the hour or for a flat fee depending on the specific service. The Internal Revenue Service government website offers in-depth advice for choosing a tax advisor and provides forums to file complaints or reports if any issues arise.

Once you’ve determined the kind of financial advisor you

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would benefit most from, make sure you find the right one by considering these seven tips:

3. Consider how they make their money.

Depending on the type of advisor, the way they get paid can be critical to consider. For example, investment advisors that are paid at a flat rate are considered preferable to those paid on commission, since advisors paid on commission may have an incentive to advise you to invest in certain companies, even if it’s against your best financial interest. Fee-only advisors are often held to a fiduciary standard, while commission-based advisors usually work under a suitability standard.

4. Get to know your potential advisor. Beyond competence and integrity, make sure you get along with your financial advisor. Personal finance can be a sensitive and stressful topic, so you want to be able to discuss issues openly with your advisor as they arise.

5 Ensure advisors operate with transparency. Though ideally you will never need to file a complaint, it’s important to ensure the advisors you work with make it easy to do so. The Consumer Financial Protection Bureau (CFPB)’s website allows customers who haven’t been able to file a complaint with a company to do so directly in the CFPB complaint database. The database is open to the public, so you can also search for companies you’re interested in working with and check the credibility and reliability of their services. continues to page 11

Urban Views Weekly | August 17, 2016

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Scholar of Week

By Janeal Downs

Elise Chapman not only wants to go to college to experience new things and learn more about the world, but she also wants to go to fulfill her dream of working in the movie industry. Elise has always been interested in movies. At first, she wanted to be an actress but then she became more interested in the creative process. Even in her spare time she likes to watch movies. “I like analyzing the process and how the creators decided to do what they did,” Elise said. “Just basically analyze their decisions and how it came to be and like the creative process.” She also likes to practice writing fiction, non-fiction and narrative stories.

Elise Chapman

of John Marshall High School GPA: 3.4 College of Interest: Virginia Commonwealth University or Colombia University Major Community Service: Richmond Film Festival and Richmond Triangle Players Theatre Strong Interests: Film, Cinema and Screenwriting Favorite Activities: Watch movies and write

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Urban Views Weekly | August 17, 2016

With an interest in film, cinema and the theatre, Elise wants to study and one day work her way to creating her own movies and writing her own scripts. “I would describe my dream job as being a director and, or movie producer, and writer,” Elise said about her professional aspirations. “I have a lot of goals, but directing is my number one, my dream.” Some of her favorite types of movies are horror films. She enjoys the shock factor that these movies create. One of her favorite directors is Quentin Tarantino, the director of movies like “Django Unchained” and “Kill Bill.” She named him as one of her film role models.

To learn more about film, Elise plans to continue her education in college. Her two top choices are Virginia Commonwealth

University and Colombia University in New York City. VCU is a top choice because of the status of the art school nationwide and their developing film department. Colombia is her other top choice because of their already developed and well-known film school. One lesson she will take with her from high school is to never do anything last minute.

While she is still in high school, she prepares for a life working in film by volunteering at the Richmond Triangle Players Theatre where she ushers and assists with set up for shows.

She also volunteers with the Richmond International Film Festival where she has helped with commercials and worked with local film makers. She uses these opportunities as chances to network, meet new people and learn new things about the industry.

Elise said her mom is one of her biggest inspirations. “She’s always telling me to be independent and not rely on other people,” Elise said. “I just go out and seek it myself … and I know I have to work hard for everything.” Elise is continuing to work hard on becoming a director and working in the film industry. She encourages anybody who has a dream, that “if you have a goal, you should go out and do it, don’t let anyone tell you that you can’t.”

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FUNdraising from page 2

while a conservative mix of stocks and bonds for the same fiscal year would have earned about 4%. This underperformance cost California at least $10 billion.”

We asked Faust for his thoughts regarding how a nonprofit evaluates risk. “In the CalPERS example they invested too much in speculative ventures like hedge funds and start-up companies. It may be appropriate for a non-profit to invest a small The Deal from page 9

6. See if you fit the profile of a “typical client.” If you choose to hire an investment advisor that typically works with wealth management clients and you’re asking them to manage a much smaller amount of money, they might not be the advisor for you. Ask your potential advisor about the kinds of clients he or she manages money for and whether he or she has experience managing money for someone with similar assets to you.

7. Decide what their qualifications should be based on your needs. Depending on what you want your advisor to accomplish for you, decide what you think their qualifications should be and see if they match up to your expectations. It’s important to check certifications – for example, Certified Financial Planners (CFPs) must pass a test covering financial categories from retirement to taxes. For more information on financial certifications, check out FINRA’s complete list and explanations of profes-

Here’s the take-away: Be sure to ask about the fees and risks associated with managing your nonprofits assets.

Next week: Five guidelines for managing nonprofit funds

sional designations. Also, search for advisors who have years of experience working with clients.

Bottom line: While there are many qualified financial advisors out there, it’s important to find the right match for you. Regardless of your income, a good financial advisor can make your life easier and suggest ways to help you grow your money. Hiring one that is not a good fit could complicate your financial situation, so research your options before making a commitment.

Faust’s new forthcoming book A Capitalist’s Lament: How Wall Street Is Fleecing You and Ruining America shares more information.

It publishes October 11, 2016. Preorder at Amazon.com.

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Copyright 2016 – Mel and Pearl Shaw Mel and Pearl Shaw are the authors of Prerequisites for Fundraising Success available on Amazon.com.

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portion of its endowment in a wide range of risky assets, but the danger becomes unacceptable when the proportion is too high.” He encourages board members to look closely at the asset allocation.

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