Urban Views Weekly 9-24-14

SEPT. 24, 2014

www.UrbanViewsWeekly.com September 24, 2014 Urban Views Weekly

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– NEW MEETING LOCATION –

MID-TOWN RICHMOND

New Phone?

Don’t Forget to Protect It StatePoint With the release of the iPhone 6, you may be thinking about how to protect your pricey new mobile device.

Over a quarter of American iPhone users have cracked their screens at some point, and a whopping fifteen percent are currently using a phone with a cracked screen, according to a new study from SquareTrade, a top-rated protection plan.

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.

Cracked screens aren’t just an aesthetic problem; they can actually prevent you from being able to use certain apps and features. VOL.7, ISSUE 39 Urban Views Weekly, llc Furthermore, the stakes are higher than ever before.

“When we see bigger screens combined with features like mobile payments with ApplePay, we see the potential for even more accidents: we won’t be surprised to see claims coming in that mention the drive-through window at McDonald’s,” said Ty Shay, CMO at SquareTrade.

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CIVIC BEAT

FUNdraising Good Times Simplifying financial aid

T

rying to receive financial aid for college? How do you feel when completing the ten page FAFSA (Free Application for Financial Student Aid) form? Could reducing it to two questions improve the process? Senators Alexander (TN) and Bennett (CO) believe more students could pursue a college education if the form were simplified. They want to reduce FAFSA to a postcard that asks two questions: What is your family size? And, what was your household income two years ago? Using earlier tax data – and a simple “look up” table – would let students know how much financial aid they are eligible for when they start looking at colleges.

The Financial Aid Simplification and Transparency (FAST) Act proposes to streamline federal grant and loan programs by combining two federal grant programs into one Pell grant program and reducing the six different federal loan programs into three: one undergraduate loan program, one graduate loan program, and one parent loan program.

a Pell grant in 2012-2013 with an average award of $3,477 and total federal expenditures of $33 billion.

Here’s what we know: College education is critical to the economic success of individuals, families, and communities. Financial aid plays a key role in providing access to college. Completing FAFSA is complicated and time consuming; many people give up. With bipartisan sponsors, this proposed legislation could remove a barrier to education and increase access. We also know policy changes can have unintended consequences. When changes were made to the Parent PLUS loan program, the consequences were devastating for students, their families and the colleges they attended. Many students could not complete their education because they were suddenly no longer eligible for these loans. Decreasing enrollment had a dramatic impact on colleges and universities with substantial numbers of first generation students. We don’t know what unintended impacts this legislation could have: We do know that when people come together we can find solutions.

The bill would also restore year-round Pell grant availability so students who want to accelerate their education by attending college during the summer can do so. It seeks to discourage over-borrowing by limiting the amount a student is able to borrow based on enrollment: a part- To learn more contact Bob Moran, in Senator Alexander’s office - robert_moran@help.senate.gov time student could only take out a part time loan. It also seeks to simplify repayment options by or (202) 224-6770; or Juliana Herman in Senator Bennet’s office - Juliana_herman@bennet.senstreamlining repayment programs and creating two plans, an income based plan and a 10-year ate.gov or (202) 224-1334. repayment plan.

Copyright 2014 – Mel and Pearl Shaw Financial aid by the numbers: There are approximately 22 million students enrolled in more than 6,000 institutions of higher education in the U.S. In 2013, taxpayers lent more than $102 Mel and Pearl Shaw position nonprofits, colleges and universities for fundraising success. For billion in new federal student loans to 10 million college students; 9.2 million students received help with your campaign, visit www.saadandshaw.com or call (901) 522-8727.

The

Connector

Growing Your Business is our goal.

If you are in business and want the community to know that you want their business, place an ad in The Connector.

The Central Virginia African American Chamber of Commerce is launching a quarterly newspaper named The Connector. The Connector will encourage consumers to spend with African American owned businesses.

To reserve your space in the first edition of The Connector call Urban Views Weekly at 804.441.6255 or email publisher@UrbanViewsWeekly.com

The Connector will be distributed in print and online. The Connector will be promoted by the chamber's African American media members: The Voice, Urban Views Weekly, Radio One, and Tracie Spencer of CW Richmond and Bounce TV.

Advertising Deadline: September 26, 2014 Publication date: October 8, 2014

www.UrbanViewsWeekly.com September 24, 2014 Urban Views Weekly

3

Fall Cleaning Tips to Help Rid Your Home of Autumn Allergens StatePoint

M

any people think of allergies as a spring problem, but most sniffle sufferers know that fall can pose its own issues. Mold and ragweed are common fall allergy triggers, as well as dust mites, which are naturally more prevalent in the home during the drier months.

“You can turn your home into a safe haven from fall allergens with regular, strategic cleaning and a few preventive measures,” says Robin Wilson, an interior design expert and an ambassador with the Asthma and Allergy Foundation of America.

To help make your home more comfortable this season, Wilson is offering some fall cleaning tips to eliminate allergens and maintain a clean and healthy space: • Wash your bedding. Mattress and pillow protectors will help control dust mites. As an added precaution, wash your bedding in warm or hot water every month and replace pillows every three years.

• Check for mold. Moisture breeds mold, so make sure to scan the inside of dishwashers, under the fridge in the water pan, and in sink and bath drains. Change water dispensers and icemaker filters on a regular basis.

• Vacuum frequently. Whether you have wall-to-wall carpeting, tile or hardwood floors, it’s important to eliminate dust and dirt. Vacuum, mop or steam clean flooring regularly.

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“Use a vacuum with a high-efficiency particulate air (HEPA) filter, which captures small particles such as allergens, irritants and pollutants,” says Wilson.

For example, the Panasonic MC-UL429 Vacuum has a HEPA filter and accessories that allow you to be more thorough and get into tight corners. This vacuum also comes with an attachment that pulls pet hair -- another potential allergen -- out of upholstered surfaces. More information can be found at www.shop.panasonic.com.

• Wash or freeze stuffed toys. If your child sleeps with their favorite stuffed animals, you should frequently wash or freeze them in a plastic bag for 48 hours. This will lower the level of dust mites which can trigger asthma and allergies.

• Use Slipcovers. Slipcovers have come a long way in the last 10 years. Since they can be cleaned regularly and more easily than upholstery, consider using them on sofas and other furniture.

• Keep ragweed outside. After spending time outside, have your child leave any clothing or sports equipment close to the entrance of the home to avoid tracking irritants throughout rooms.

“Just because the pollen count isn’t through the roof doesn’t mean you can’t fall prey to allergies,” says Wilson. “With regular cleaning, you can manage the irritants in your home and make it a more breathable place.”

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4 Urban Views Weekly September 24, 2014 www.UrbanViewsWeekly.com

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VIEWPOINTS

Talk is Cheap

By Dr. T

“

Talk is cheap!” This is an old adage that is throwing a whitehot light onto the conversations that have been inundating the airways, mass media outlets and social media forums of late. Dialogues and debates are happening all over in local barbershops and beauty parlors about the TMZ video that shows pro NFL football player Ray Rice of the Baltimore Ravens knocking out his (then) fiance’ Janay Rice in an Atlantic City casino elevator. The entire incident was caught on the casino’s security cameras and released publicly a few weeks ago. The public outcry was immediate and prolific, driving the NFL and the Baltimore Ravens organization into BIG TIME defensive strategies and clean-up messaging. The outcome, of which, has thus far been a BIG TIME #FAILURE!

Domestic Violence and the growing climate of violence against women and children is a systemic and massive problem in the U.S., and the fact that the NFL has virtually ignored it at best and minimized its impact over the past decade is absolutely appalling and indicative of the organizations’ lack of attention or urgency where the issue is concerned. The efforts they are making at this point are inept and clumsy, making the outrage and so-called shock and awe they appear to be exhibiting, in hindsight, an even more serious fumble and #FAILURE. As professional athletes and representatives of big market franchises and commercial clients like NIKE, ANHEUSER-BUSCH, ADIDAS, WILSON and so on…it has now come to their attention that the public outcry could seriously impact their bottom-line. When the violent behaviors of their star athletes begin to diminish their ability to keep sponsors, big-time boosters and investors happy, AND THEN violence against women and children becomes their “first priority.” The feigned outrage that we are seeing across the board from the leadership of the NFL, the specific organizations (whose stars are cur-

rently in the media spot-light), and frankly, the public is nauseating and disingenuous. This is NOT a new issue, but too many are attempting to “all of a sudden” be coming into some type of consciousness or recognition about the issue? Unbelievable! I just don’t buy it!

We live in a country where we embrace violence as a part of our culture. We have a blatant disregard for the rights and safety of women and children, and we don’t even value or support the equality of women in the marketplace as exhibited by the massive opposition and failure to pass legislation that demonstrates such. It is appalling that it takes a video tape to surface surreptitiously and then be distributed salaciously across all forms of media for everyone to WAKE UP to the fact that domestic violence is an epidemic and tragic condition throughout the cultural landscape of this nation, and globally.

What we DO from here will speak to whether our outrage is in fact truly felt or just a momentary schism. Will we once again go back to acceptance, ignorance, and “endless excuse making “where issues of domestic violence are concerned, especially when our most favorite sports stars are involved?? There is so much misdirection, blame shifting, silence, and pretense. So many teams and players are “laying low” right now, ‘less the white-hot light turns to them. Talk is cheap unless there is some ACTION in your OUTRAGE.

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: WAR TIME MENTALITY

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www.UrbanViewsWeekly.com September 24, 2014 Urban Views Weekly

5

Firehouse Th

“Wait

By Janeal Downs

I

magine three con men in your house and ine having to protect yourself, all while b house Theater is hosting the play “Wait fends for herself while her husband, a photo ried couple living in New York. They are se are hidden somewhere in the apartment. “I and also has been made into a movie starrin Toney said. “What happens is that the husb dler gave him a doll to bring back from Mon hers.” When the woman comes to retrieve th woman goes to fellow criminals to help her

Susy’s young neighbor Gloria (Victoria Eriavez) guides her through her apartment.

For the play, which is set in New York, Toney The people in the play and their variety of r African American female, Susy’s husband S thing Toney said he did on purpose. Toney “I think because I have been an actor for 34 stated. “As an actor you’re only worried ab considering everybody’s character on stage

Con man Carlino (Phillip Silva) waits for blinded Susy Hendrix (Ciara McMillian) outside her apartment.

Mike (Nicklas Aliff) tries to take a knife a way from Susy.

Photos by Bill Sigafoos

6 Urban Views Weekly September 24, 2014 www.UrbanViewsWeekly.com

Many people watch thrillers or horror mo is horrible, but McMillian said there is not performing arts major at VCU, learned abou where Toney also performed. McMillian des son who wants the best for everybody. “Sh myself a fighter,” McMillian said. “I’ve been too down on myself; I never stay sad for to character in the play.” When McMillian first was “scared to death.” However, she prepare but also by never wearing her own contacts Originally from Mississippi, McMillian said South. Susy, who left home, had to adjust to

heater presents

Until Dark”

d there is no one to protect you but yourself. Now imagbeing blind. From September 18 to October 18, The Firet Until Dark.” The play shows how Susy, a blind woman, ographer, is at work when three con men target the marearching for a doll containing drugs, which they believe It’s a thriller and it started out as a play many years ago ng Audrey Hepburn,” the play’s director, David Emerson band doesn’t know it, but a woman who is a drug swinntreal and the woman told him it was a gift for a niece of he doll and Sam can’t find it, Toney said this is when the con the man into revealing the doll’s location.

y felt it was important to show the tapestry of New York. races reflect the setting. While the lead was played by an Sam is also played by an African American male, somedescribed Ciara McMillian, who plays Susy, as fantastic. years, I just needed more to do in my profession,” Toney bout your character, and I think it’s a lot more fun to be e.”

ovies, where witnessing someone get murdered or die thing like a thriller in live theater. McMillian, who is a ut the play through a VCU production of Arabian Nights scribed her character as a funny, loving, and caring perhe’s not able to see and she has to fight, and I consider n through a lot of things in my life and I don’t really get oo long and I think that’s something that I bring to the t found out she would play a blind woman, she said she ed for the role by not only observing other blind people, s during rehearsals. she could also relate to Susy who had moved from the a new setting in New York which is where she loses her

sight. “This is the first character where somebody’s told me that it is okay for me to be as southern as I want to be,” McMillian said. With her accent and constantly using the affectionate word of “baby” for friends and strangers she interacts with during the play, McMillian definitely built Susy’s character as a Southern and loving woman.

VCU student Saidu Tejan-Thomas, who plays Susy’s husband Sam, heard about the play while also acting in the Arabian Nights production. He said before he even knew what the play was about, he wanted to audition because he saw another opportunity to gain experience in acting. “Once I got a chance to read the script, then I realized it was a pretty amazing script by Frederick Knott,” TejanThomas said. “And it was a genre that I never thought that I’d be doing.” As Sam, though he was not present as often as Susy, he played a major and supporting role. Tejan-Thomas described Sam as a very loving guy and Susy’s anchor. “She doesn’t believe that she can do the things she could do when she had her sight and Sam is that hope for her because Sam lets her be independent,” Tejan-Thomas said. “He loves her to death and that makes her believe in herself, which in turn allows her to do the amazing things she does when Sam’s not around.”

Though Sam’s determination to make Susy independent in the play may seem harsh initially, it helps show the audience that Susy may not have been able to handle herself as well as she did in the play without the tough love. Tejan-Thomas said Susy’s role is important in the fact that the lead is an African American woman. “I would say ‘Wait Until Dark’ is a love story that goes wrong not with the love but with that day to day everyday life of events, and it’s also about independence in the face of adversity. Also, it’s about unlocking that thing inside of you that you never thought you had; it’s almost like adrenaline where you don’t think you can do something and when you’re pushed to your fringes is when you realize how much you can actually accomplish. And it’s also a story of redemption from not having sight to getting to a point where you can do a lot that you thought you couldn’t,” Tejan-Thomas stated. He said the play is something people will be thankful they saw, because it is so well put together.

Firehouse Theater is located at 1609 W. Broad St in Richmond, Va. Tickets are currently on sale for the production which will end on October 18. The Firehouse Theater’s website states regular tickets are $35; people 65 and older can buy tickets for $29; people with military ID, student ID or a RAPT card can buy tickets for $16; and groups of ten or more can purchase tickets for $24. More information about the play can be found on www.firehousetheatre.org/wait-until-dark/.

www.UrbanViewsWeekly.com September 24, 2014 Urban Views Weekly

7

THE DEAL

Before Cosigning a Loan, Know the Risks

By Jason Alderman

S

hakespeare probably said it best: “Neither a If that doesn’t scare you sufficiently, read on: borrower, nor a lender be, for loan oft loses both itself and friend.” Four hundred years • Even one late or missed payment can damage your credit. later, people still wrestle with whether or not to help out a loved one by loaning them money or co• In most states, the creditor can – and probably will – go after you for repayment signing a loan. without first trying to collect from the borrower, because they know you’re more likely to have the money.

Perhaps you want to help your kid qualify for a better student loan rate or assist your widowed • If the loan goes into default or is charged off, that fact will go into your credit report mom with refinancing her mortgage. Before you and can take seven years to erase. cosign anything, however, make sure you under• If you pledged personal property to secure the loan, you could lose these items if stand the risks involved. the borrower defaults.

Here are just a few of the things that can go wrong • Should the lender agree to settle for a lesser amount, you’ll have to report the difand questions to ask before committing yourself – ference as “debt forgiveness income” and pay tax on it. and your good credit – to what could be a decadeslong commitment: • If you cosign a credit card account, primary borrowers over age 21 are allowed to raise the credit limit without notifying you.

First, understand that the main reason you’re being asked to cosign a loan is because lenders don’t • Government-backed student loans generally aren’t eligible for bankruptcy protecthink the borrower is a good risk. By cosigning, tion unless you can prove “undue hardship.” you’re guaranteeing that you’ll repay the full loan – plus any late fees or collection costs – should the • Some private student loans contain a clause allowing the borrower to originate adborrower default. ditional years’ loans without your signed approval.

• Even if you’re not asked to repay the loan, your potential liability could stop you from getting additional credit if your debt-to-income ratio is too high.

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8 Urban Views Weekly September 24, 2014 www.UrbanViewsWeekly.com

If you do decide to cosign someone’s loan, taking these steps can help lessen your risk:

• Calculate whether you can afford the loan’s monthly payments, should the borrower stop paying. To be prudent, start setting aside enough money to cover it for one year, which will allow you to keep payments current while working out a solution.

• Insist that the lender agree, in writing, to notify you if the borrower missed a payment or the loan’s terms change. That’ll give you more time to make contingency plans.

• If you’re unsure about the borrower’s reliability to pay each month on time, ask the lender to send payment requests directly to you so you can manage the transaction.

(It’s a pain, but one way to guarantee timely payments.)

• Ask the lender to stipulate in the contract that you’re only responsible for the loan’s principal amount, should it default. It doesn’t hurt to ask.

• Make sure you get copies of all paperwork in case of future disputes.

• Don’t consolidate old loans accumulated by your spouse before you married. If something should happen (divorce, death), you would be responsible for paying them off.

There may be times you want to cosign a loan to help out a relative or friend, despite the risks involved. The Federal Trade Commission’s “Cosigning a Loan” guide shares precautions to take before entering such agreements www.consumer.ftc.gov.)

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

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9

Ways to Keep Your Community Safer StatePoint Whether you’re single and live on your own, or you’re raising a family, feeling secure in your community is likely an important priority to you. As an average citizen, there are several steps you can take to make your community safer.

Neighborhood Engagement

When people know one another, they are more likely to watch out for one another. Be involved.

Know your neighbors. Attend block parties, local social functions, and volunteer outings. If such events don’t currently exist, organize your own.

You don’t need to be a busybody to keep your eye out for potential crime. Whether you notice an unfamiliar car in your neighbor’s driveway at an off-hour or an unfamiliar person lurking around your child’s school, reporting such oddities has proven more than once to be a useful crime stopper.

If there’s a local neighborhood watch chapter in your area, consider getting involved.

Fight Terror

You may not think terrorism could touch your town, but domestic terror attacks like the Boston Marathon bombing, as well as incidences of Americans being recruited to join terrorist operations abroad, remind us that nobody should be completely complacent to this threat.

“Terrorism is a global issue. It is not more native to one region than another,” says Abayomi Nurais Mumuni, a fellow at the American Society of Criminology and author of the new book, “Global Terrorism and its Effects on Humanity,” a primer on terrorism which addresses its causes; delves into recruitment tactics; and elucidates the agendas and methods used by terrorists. It also offers a prescription for eradicating this worldwide threat.

While the profile of a terrorist is complex and not uniform, Mumuni stresses that a terrorist can be anybody -- “your brother or sister or the guy next door -- without your knowing until you hear it in the news. Terrorists generally look, dress and behave like a normal person.”

Since picking a terrorist out of a crowd is designed to be difficult, if not impossible, protecting the targets of terror attacks is crucial. Advocate for improved security hardware and systems in places where large groups of people convene -- such as public transportation, libraries, courthouses, and schools. Motion detectors, bomb detectors, and alarm devices can protect against such dangers and help harden potential targets against terrorism.

Strong Community

There’s an added benefit to a vital community where residents feel engaged, respected, and empowered. When people feel like outcasts, that’s when some turn to crime.

“Social, political, and economic tensions in a community can foster run-of-the-mill crime and, in some cases, even terrorist recruitment,” says Mumuni. “You don’t want people feeling alienated where you live.”

Be inclusive and encourage neighbors and local residents -- especially young people -- to participate in community events and organizations, urge experts.

More information about Mumuni’s new book can be found at www.media-connect.com.

While some safety measures can only happen through policy and legislation, being aware of safety threats and taking action at the grassroots level can positively impact your local community.

10 Urban Views Weekly September 24, 2014 www.UrbanViewsWeekly.com

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NESTLÉ PURINA PetCare Company seeks a highly motivated Shipping Team Member (Loader) y seeks a highfor our Warehouse Department at the manufacmber (Loader) turing facility located 25 miles northeast of Richat the manufacmond in King William County. rtheast of Rich-

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POSITION SUMMARY: Responsible for the shipment of all finished products by truck as well as supporting producof all finished tion and the placement of finished product in porting producthe Warehouse. hed product in

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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Interested parties must apply on

EDUCATION: High school diploma or G.E.D required EXPERIENCE: Minimum One (1) year experience loading trucks and forklift certification required.

www.nestlepurinacareers.com EOE/MFDV. Nestlé is an Equal Opportunity Employer and is looking for diversity in candidates for employment.

Interested parties must apply on

www.nestlepurinacareers.com EOE/MFDV. Nestlé is an Equal Opportunity Employer and is looking for diversity in candidates for employment.

www.UrbanViewsWeekly.com September 24, 2014 Urban Views Weekly

11

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Register your BONUSCARD速 now on your smartphone OR visit MartinsFoods.com/aplus 12 Urban Views Weekly September 24, 2014 www.UrbanViewsWeekly.com