Urban Views Weekly 8-27-14

AUG. 27, 2014

Congratulations to USA Little League Champions Chicago’s Jackie Robinson West

www.UrbanViewsWeekly.com August 27, 2014 Urban Views Weekly

1

THE DEAL

Will Your Kids Inherit Your Debt?

By Jason Alderman

M

any people finally get around to writing a will in order to safeguard their assets for their heirs. But what if you’ve got the opposite problem: Your nest egg was decimated by the recession, bad investments or simply living longer than expected, and now you’ve got a mountain of bills you can’t pay off.

Will your kids inherit your debts after you die?

The short answer is, not in most cases. But there are situations where someone could be legally responsible for paying off your bills after death. Plus, aggressive creditors have been known to coerce heirs into paying off debts for which they’re not responsible, just to be left alone.

LETTER TO THE EDITOR 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.

VOL.7, ISSUE 35

Urban Views Weekly, llc

6802 Paragon Place, Suite 410 Richmond, va 23230 Office: 804.441.6255 Fax: 888.439.2534

Ervin B. Clarke Publisher

If you’re afraid that your financial legacy will be a heap of un- publisher@urbanviewsweekly.com paid bills, here’s what you need to know and prepare for: Flora C. Clarke In general, children aren’t responsible for paying off their par- Administrative Assistant ents’ unsecured debts – things like credit cards, personal loans flora@urbanviewsweekly.com and medical bills, which aren’t collateralized by physical property. If there’s not enough money in the estate to pay off those Shelia O. Spurlock-Shaw continued on page 4

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If you are comfortable with meeting and talking with business leaders and would like to be an ambassador for urban youth who are excelling academically, email Publisher@UrbanViewsWeekly.com

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3

Supplemental Environmental Impact Statement Being Prepared Stay tuned to www.route460project.org for regular updates. We’ll also continue to send email updates to everyone on our mailing list. If you’re not on our mailing list but wish to be, you can On behalf of the U.S. Route 460 Corridor Improvement Project team, I’d like to thank the nearly sign up at the Contact Us link on the website. You can also call our Project Information Line at 700 people who joined us at five town hall meetings in late July. The meetings gave us a chance 1-855-460-4600. to update you on recent activity, but more importantly gave us an opportunity to hear your We look forward to seeing you again soon. questions and concerns.

TO THE EDITOR:

As we told those who attended the meetings, we expect to have a signed Draft Supplemental Environmental Impact Statement out for public review sometime in the fall. When that happens, we will hold three public hearings to share more details about our study and give you more opportunities to make statements for the formal public record.

And we continue on track to recommend a preferred alternative sometime in early 2015.

Sincerely, Philip C. Rinehart, P.E., Project Manager U.S. Route 460 Corridor Improvement Project 7025 Harbour View Blvd., Suite 119, Suffolk, VA 23435 Office: (757) 337-5915 Philip.Rinehart@VDOT.Virginia.gov From Kids Inherit Your Debt page 2

bills, creditors will have to write them off.

There are several exceptions, however:

Dix Drive (Route 621) Bridge Replacement Lunenburg County

Willingness to Hold Public Hearing Find out about the proposed bridge replacement project over Meherrin River. The project will replace the seventy-three year old timber structure on Dix Drive (Route 621).

Review the project information and National Environmental Policy Act documentation at VDOT’s Richmond District Office located at 2430 Pine Forest Drive in Colonial Heights, 23834-9002 804-524-6000, 1-800-3677623,TTY/TDD 711. Please call ahead to ensure the availability of appropriate personnel to answer your questions.

If your concerns cannot be satisfied, VDOT is willing to hold a public hearing. You may request that a public hearing be held by sending a written request to Jason Zhang, P.E., project manager, Virginia Department of Transportation, 2430 Pine Forest Drive, Colonial Heights, VA 23834-9002 or Jason.Zhang@VDOT.Virginia.gov on or prior to September 10, 2014. If a request for a public hearing is received, notice of date, time and place of the hearing will be posted.

VDOT ensures nondiscrimination and equal employment in all programs and activities in accordance with Title VI and Title VII of the Civil Rights Act of 1964. If you have questions or concerns about your civil rights in regards to this project or special assistance for persons with disabilities or limited English proficiency, contact the project manager listed above.

State Project: 0621-055-715, P101, R201, C501, B638 Federal Project: BROS-055-4(021)

4 Urban Views Weekly August 27, 2014 www.UrbanViewsWeekly.com

• If your child, spouse or other acquaintance is a cosigner on a credit card or loan (e.g., mortgage, car, personal loan), they share equal responsibility for paying it off. This is why you should always think twice before cosigning anyone’s loan.

• If someone is a joint account holder – that is, their income and credit history were used to help obtain the loan or credit card – they’re generally responsible to pay off the balance.

• Widows and widowers are responsible for their deceased spouse’s debts if they live in a community property state.

Note that authorized users on your credit cards aren’t liable for repayment since they didn’t originally apply for the credit. Chances are they were simply “piggybacking” on your credit record to help build their own. However, to protect authorized users from being bothered by creditors after your death, you may want to remove them from your accounts.

If you have outstanding secured debts upon death, such as a mortgage or car loan, your estate must pay them off or the creditor can seize the underlying asset. For example, if you were planning to leave your house to your kids, they’ll need to either pay off or continue making payments on any outstanding mortgage, property taxes and insurance, or risk foreclosure.

Depending on your state’s laws, there are a few types of assets, like life insurance proceeds and retirement benefits, which you can pass along to beneficiaries that generally won’t be subject to probate or taxation and thus may be safe from creditors.

Just be aware that if you name your estate as beneficiary for an insurance policy or retirement account, creditors can come after the money to pay off your debts. Thus, it’s usually wise to name specific individuals as beneficiaries – and back-up beneficiaries, in case they die first.

Also, if your beneficiary is a cosigner on any of your debts, creditors can pursue him or her for any balances owed.

Check with a probate attorney or legal clinic familiar with your state’s inheritance and tax laws. Free or low-cost legal assistance is often available for lower-income people.

Bottom line: If you expect to leave unpaid debts after you die, alert your family now, so that together you can plan a course of action. You don’t want to blindside your loved ones in the midst of their grief.

Jason Alderman directs Visa’s financial education programs. To Follow Jason Alderman on Twitter: www.twitter.com/PracticalMoney.

VIEWPOINTS

To agree to disagree? WHAT!

By Dr. T “We have to agree to disagree” is NOT the answer! We are talking about LIFE & Death, Justice and Equal Protection Under the Law. We cannot agree to disagree where that is concerned.

It disturbs me that so many white people cannot see that what we are dealing with in Ferguson, Missouri or Staten Island, NY or Sanford, Florida or Los Angeles County, California has nothing to do with agreeing or disagreeing! When white people are determined to avoid the recognition that what we have in the U.S.A. is a systemic and institutionalized racism embedded and entangled throughout our nation’s governmental, civic, educational and social institutions, the privileges that white skin and complicit oblivion affords white America become something that is not only intensely frustrating but deeply disappointing. This neo-Apartheid infects and affects every part of life in America whether or not one wants to acknowledge it.

I have friends, who are white, and though we have had intimate conversations throughout the decades, we have worshipped together, broken bread together, raised children together and even wept together, they cannot understand why I am so disappointed in the “same old rhetoric” they spout out almost as a reflex that always comes down on the side of absolute oblivion with regard to the TWO Americas in which we live. It is painful to realize that if I were to become a victim of abusive policing or my son or nephew were victimized, would they EVER recognize it as an injustice or only a tragic event? They would not have my back because they would not recognize the need nor would they have the moral conviction to do so. It is not their battle to fight, and they do not recognize the loss of liberty and freedom for some as a threat to the freedom and liberty of all. For them we live in a country of laws and all you have to do is follow the law and justice shall, miraculously, be served. That type of magical thinking is a function of the privilege of having white skin in America.

Injustice is not something most white people have to live with as a part of their daily lives, nor do they have to teach their children survival tactics for when they encounter law enforcement. Our young people have to be educated concerning the “nature” of being Black in America when they come face to face with an historic legacy that required America’s Black citizens to go to jail, suffer for decades, get beaten, bitten by dogs, and even die just to be considered citizens of a nation which their blood and sweat built.

There has never been equal justice in America.

Of course, there are whites who do “get it” and have dedicated their lives to the struggle for justice and equality for All people, and they would be the first to say there should be no “special” accolades given to them for that. Many of the whites that I know do not SEE the chasm that exists in this nation. They are not willing to recognize the deep and abiding problem that is the color-line that divides us. The SILENCE in the work place, the church house, schoolhouse, the neighborhoods and communities across this nation is extremely disheartening. Some of the anonymous blogs and social media commentary is frightening. The ignorance, hatred, and even disdain for Black people are rampant throughout white America. The “good” white folks I know are mostly silent and that is a painful silence to hear.

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: Fall Classes Begin: A Teaching Moment

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5

There is Bl

By Erika Winston

L

abor Day invokes a variety of emotions. For s the sad end of summer vacation with the exciti new school year. For workers, it means a much off, while the fashion conscious see it as the last we for wearing white. Whatever the first Monday in Sep you, the holiday offers a valuable opportunity to con butions of Black workers to American history.

Labor unions were the driving force behind the orig In 1882, the first “workingman’s holiday” was celebr City when the Central Labor Union organized a day the next 10 years, the idea spread to include several s the nation, with the creation of legislation to officia holiday.

During this time in history, the Pullman Palace Car S swing, offering railroad passengers a luxurious travel can American men were hired as porters to serve the ers. Pullman porters endured poor working condit money and working significantly more hours than the parts, who were allowed to work as conductors. Wh expressed concern over their circumstances, they we join the railroad labor union. As such, it was the wh first organized and formally walked off of their jobs.

The Brotherhood of Sleeping Car Porters (BSCP) was established in 1925, led by a young Civil Rights pioneer by the name of Asa Philip Randolph.

6 Urban Views Weekly August 27, 2014 www.UrbanViewsWeekly.com

The Pullman Palace strike hit a national nerve as it s country, resulting in violence and the deployment o The concerns of African American workers were no list of demands and they were often encouraged to line, to work in place of the white workers. The str declared over on August 3, 1894, right before a nati election. While the white workers returned to the ra better conditions, Black workers experienced no imp the conflict of the strike hanging heavily in the air, Cleveland made one last attempt to appease Amer quickly signing the observation of Labor Day into fed

Observing the effectiveness of organized labor, Bla

lack History in the holiday

tudents, it means ing beginning of a h appreciated day eekend of the year ptember means to nsider the contri-

gins of Labor Day. rated in New York off of work. Over states throughout ally recognize the

Service was in full l experience. Afrie needs of customions, making less eir white counterhile Black workers ere not allowed to hite workers who

spread across the of federal troops. ot included in the o break the picket rike was officially ional presidential ailroad jobs under provements. With President Grover rican workers, by deral law.

ack porters began

preliminary steps to form their own labor union. Their early efforts were sabotaged by management spies, who were strategically placed throughout company locations to recognize and stop any plans for worker resistance. It took more than 25 years before they successfully formed a labor union. The Brotherhood of Sleeping Car Porters (BSCP) was established in 1925, led by a young Civil Rights pioneer by the name of Asa Philip Randolph. Over the next ten years, BSCP fought for recognition by the American Federation of Labor and improved working conditions for porters.

The BSCP exemplifies the importance of organized labor in the nation’s history. As the country gears up to celebrate American workers, the contribution of the African American laborer is a significant part of the conversation.

Celebrating Labor Day In and Around Richmond

There is an array of Labor Day celebration options in and around the city of Richmond. Whether you enjoy a historical reenactment or a festival-like atmosphere, you don’t have to travel far to find Labor Day fun.

Start your weekend with the Chesterfield County Fair. Running through August 30th, the festivities offer plenty of activities for every age group. Music will fill the area on Friday and Saturday nights, with grandstand concerts. Foodies can enjoy all types of cuisine, including fried carnival foods and homemade recipe contests. There are amusement rides for the kids and even some educational opportunities with an agricultural focus. On Sunday, Patrick Henry’s “Give me liberty” speech will be reenacted at St. John’s Church in Richmond. The event is free, taking attendees back to days of George Washington and Thomas Jefferson. Glen Allen is the place to go for a little relaxation on Labor Day, with a wine and cheese pairing. For $10.00, The James River Cellar Winery will offer various combinations of cheese, along with its award winning wines.

Don’t forget about Kings Dominion’s 40th anniversary celebration, which includes a concert by R&B artist Jason Derulo on Friday. Pair

that with rides for all ages, from the kid friendly adventures of Planet Snoopy to the thrilling Intimidator. Visitors can also enjoy the Waterworks water park, which is included in the park admission price. Kings Dominion is open throughout the Labor Day weekend from 10:30 a.m. to 10:00 p.m. Saturday and Sunday. The park closes at 8:00 p.m. on Monday.

Heading East to Celebrate

If you prefer to spend Labor Day basking in the sun, Virginia Beach is brimming with weekend activities. The Rock and Roll Half Marathon takes place on Sunday, and it includes a national recording artist on the main stage. The American Music Festival is also scheduled, filling the oceanfront with sounds of rock, R&B, and jazz music. With a combination of regional and national acts, visitors will be tapping their toes and snapping their fingers all weekend. Then, when you are ready for a good meal, head over to the Founders Inn, where the annual “Porkout on the Patio” is offering pulled pork and BBQ ribs in a relaxing environment.

You don’t have to fight the beach traffic though. Williamsburg is bringing awareness to Chesapeake Bay conservation with an annual crab race. In addition, The Taste Tradition starts Friday at the Williamsburg Lodge, where area chefs prepare contemporary dishes. You can end the night by enjoying a symphony under the stars. Starting at 8:30 p.m., guests can enjoy beautiful music while gazing at the nighttime sky.

Enjoying the Mountains and Valleys

If the mountains are more to your liking, the Bland County Fair continues through Saturday with good food, contests, and rides. Stuart invites visitors to a Labor Day gospel celebration. The foothills of the Blue Ridge Mountains will be filled with sounds of praise on Friday, Saturday and Sunday as gospel bluegrass groups perform. The Shenandoah Valley is hosting the Patsy Cline Music Festival on Saturday, offering tours through the Patsy Cline Historic House and an outdoor concert at night. The Highland County Fair and the Shenandoah County Fair are also on tap for the Labor Day weekend.

www.UrbanViewsWeekly.com August 27, 2014 Urban Views Weekly

7

CIVIC BEAT

FUNdraising Good Times Ice Bucket Challenge

In

the heat of summer having a bucket of ice water thrown on you may not be a bad thing. It’s a phenomenon that’s sweeping the nation – contagious fundraising spurred on by social media, sports celebrities, television hosts, movie stars and international performers. Everyone – it seems – is in on it. Well, except for the two of us. We are enjoying the summer heat with no ice water – but we’re giving to ALS anyway. Here’s the reason: we want to be “in with the in crowd.”

We’ve known of ALS – otherwise known as Lou Gehrig’s Disease – for decades. But no one has ever asked us to give to The ALS Foundation. There are so many worthy non-profits to give to, and like most people we have a limited budget. But, how could we not give when the nation is gripped with the ice bucket challenge?

In case you don’t know, here’s a quick overview of the challenge: someone challenges you to give to ALS. If you don’t, you have to have a bucket of ice cold water dumped on you. Even better: have it video-taped and posted on social media. Once you complete the challenge you have to challenge others to give or get wet. Here’s the thing: many people are doing both. It’s fun. The videos are hysterical. And the money is pouring in.

The numbers from their recent press release are astounding. “As of Tuesday, August 19, The ALS Association has received $22.9 million in donations compared to $1.9 million during the same time period last year (July 29 to August 19). These donations have come from existing donors and 453,210 new donors to The Association.”

And ALS knows receiving gifts is just the beginning. “Our top priority right now is acknowledging all the gifts made by donors to The ALS Association,” said Barbara Newhouse, President and CEO of The ALS Association. “We want to be the best stewards of this incredible influx of support. To do that, we need to be strategic in our decision making as to how the funds will be spent so that when people look back on this event in ten and twenty years, the Ice Bucket Challenge will be seen as a real game-changer for ALS,” she continued.

The ALS Association is committed to communicating with donors and the public about future plans to spend the unprecedented amount of money it has received over the past few weeks.

So, should your nonprofit or college go viral with a “gimmick” to raise millions?

Here are our thoughts: put the fundamentals in place first. If you can’t track and thank your donors, you don’t want thousands of donors: that can become a viral disaster instead of success.

Next week: more about the fundamentals.

Learn more at www.alsa.org. #IceBucketChallenge 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.

For Older Adults, Regular Exercise May Stem Aging Effects StatePoint

O

ne out of every three adults over 65 years old falls each year, according to the Centers for Disease Control and Prevention. And for older adults with dementia, the risk of falling is three times higher than those with no cognitive impairment, according to the AARP Bulletin.

However, research supports the notion that many of the physiological changes related to aging -- such as loss of balance -- can be prevented or postponed with regular exercise. With this in mind, it’s no surprise that many senior living communities are making comprehensive health and wellness programs available to their residents.

“We’re seeing residents increase their mobility, endurance and balance, and improve their range of motion and fitness levels,” says Katie Westberg, national director of Life Enrichment at The Goodman Group, a company that has developed a new fitness program for its senior living and health care communities.

Additionally, Westberg cites that participants feel better and are having fun, showing quick results to their overall well-being, “Many of the residents involved in our FIT Functional Fitness program start seeing long-lasting and significant strength training benefits within an eight to 16 week period.”

The experts behind the FIT Functional Fitness program, a new, national, personalized functional fitness program developed by The Goodman Group in partnership with a physical therapist and board certified geriatric specialist, are offering some tips for older adults looking to improve their

8 Urban Views Weekly August 27, 2014 www.UrbanViewsWeekly.com

well-being and restore their vigor.

• Engage in exercises that can improve your core strength, balance and cardiovascular health.

If you live in a senior living community, inquire about on-site programs. Additionally, many community centers and health clubs conduct exercise classes designed specifically for senior health.

• Invest in a stationary bike. It’s easy to incorporate this activity into your day while watching TV, listening to music or talking to your family, and pedaling lowers blood pressure, according to AARP. • Consult your physician before getting started. Your exercise routine should take into account your current health level and functionality as well as your physical needs.

• Food and health are directly correlated, so pair your exercise with healthy eating. The FIT Functional Fitness program at The Goodman Group, for example, incorporates local, organic, seasonal produce as well as lean protein alternatives and plant strong ingredients in their menu options.

• Stick to it. Results may come quickly, but a long-term health benefit requires commitment.

For more information about senior fitness and health programs, visit www.TheGoodmanGroup.com.

While you can’t stop time, research shows that with exercise, you may feel better, longer.

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www.UrbanViewsWeekly.com August 27, 2014 Urban Views Weekly

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ZEST FOR LIVING

Amateur All Star Boxing II Approximately 200 fans and boxers packed Ninth Dimension Sports Circle on Hull Street in Richmond for the August 23 competition. Boxers traveled from Maryland, North Carolina, and West Virginia to compete. Boxers from Newport News, Chesapeake, Virginia Beach, and central Virginia also joined the action in the ring.

Boxers competed for trophies and to advance their amateur boxing ranking.

Coach Omar Aleem, top center, talked with the ringside audience prior to the first bout.

Ninth Dimension sports is certified with the National Olympic Committee and National Paralympic Committee for the United States. In addition, the gym is sanctioned with the USA Boxing Association.

Photos by Ayasha Sledge, Photographer DivineByDesignImage.com

10 Urban Views Weekly August 27, 2014 www.UrbanViewsWeekly.com

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Responsibilities include but are not limited to the following: ∂ Pre-plans each shipment to ensure weight distribution and load integrity, as well as follows all shipping instructions. ∂ Utilizes the RF scanner and SAP system, load trailer by weight, size, UPC, location, and trailer type, completing necessary paperwork and following the warehouse sanitation policy. ∂ Understands utilization of dock plates and levelers. Lock trailer or place chocks under trailer before loading. Lift dock plate, close dock door, handle paperwork as directed, and call trailer out to guard when finished with trailer. ∂ Loads direct shipments and/or performs case pick and the staging of pallets of products as directed by Team Leader. ∂ Assists Chute Haulers and/or operates power sweeper and power scrubber when required. ∂ As determined by position or task, adheres to & cooperates with factory & divisional quality standards/requirements and department(s). Understands & performs all quality checks as required by the Nestlé Quality Management System to build consumer trust & preference by providing quality brands, products & services; maintains & ensures 0 defect & 0 waste attitude without compromising safety or regulatory compliance. ∂ Other duties as assigned.

Responsibilities include but are not limited to the following: not limited to ∂ Pre-plans each shipment to ensure weight distribution and load integrity, as well as follows ure weight disall shipping instructions. ll as follows ∂ Utilizes the RF scanner and SAP system, load trailer by weight, size, UPC, location, and trailer system, load type, completing necessary paperwork and folon, and trailer lowing the warehouse sanitation policy. work and fol∂ Understands utilization of dock plates and policy. levelers. Lock trailer or place chocks under trailplates and er before loading. Lift dock plate, close dock cks under traildoor, handle paperwork as directed, and call close dock trailer out to guard when finished with trailer. ed, and call ∂ Loads direct shipments and/or performs case with trailer. pick and the staging of pallets of products as diperforms case rected by Team Leader. products as di∂ Assists Chute Haulers and/or operates power sweeper and power scrubber when required. perates power ∂ As determined by position or task, adheres to n required. & cooperates with factory & divisional quality ask, adheres to standards/requirements and department(s). Unvisional quality derstands & performs all quality checks as reartment(s). Unquired by the Nestlé Quality Management Sysy checks as retem to build consumer trust & preference by nagement Sysproviding quality brands, products & services; preference by maintains & ensures 0 defect & 0 waste atticts & services; tude without compromising safety or regulato& 0 waste attiry compliance. ty or regulato∂ Other duties as assigned.

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www.UrbanViewsWeekly.com August 27, 2014 Urban Views Weekly

11

Join us for this yearâ&#x20AC;&#x2122;s Gran Fondo

Saturday, th October 4 Richmond Raceway Complex

The third annual MARTINâ&#x20AC;&#x2122;S Tour of Richmond is just that - a cycling tour of Richmond. This fully timed gran fondo event has distance options for the the serious rider and the weekend warrior.

Tour finishes with a lap around the track at Richmond International Raceway.

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12 Urban Views Weekly August 27, 2014 www.UrbanViewsWeekly.com