DEC. 10, 2014
Scholar of the Week - Shakera Vaughan
www.UrbanViewsWeekly.com December 10, 2014 Urban Views Weekly
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THE DEAL
IRS Pension Update: New Limits for 2015 By Jason Alderman
Network with other African American business owners, managers, and professionals. This is an opportunity for you to introduce yourself and your business to “family” members who did not know that you existed. Make connections that can grow your business. Make connections so you can refer others to someone that you just met.
Thursday, December 11, 2014 7:30 a.m.–9:30 a.m.
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Free Continental Breakfast courtesy of Oyster’s Pearl
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s it ever too late to plan for retirement? No, as long as you’re willing to be thrifty and extend your working years and be mindful of your individual and employer-based retirement savings options. Building a successful, comfortable retirement depends on a variety of individual factors, including where you live, how long you plan to work, your health, VOL.7, ISSUE 49 and your other investments and assets. Urban Views Weekly, llc The IRS recently announced an update for your options, in- 6802 Paragon Place, Suite 410 Richmond, va 23230 cluding cost-of-living adjustments that will give many taxpayOffice: 804.441.6255 ers the advantage of putting more away during 2015. Here’s Fax: 888.439.2534 a summary: Ervin B. Clarke • Regular contribution limits for 401(k), 403(b), most 457 Publisher plans, and the federal employee Thrift Savings Plan. In- publisher@urbanviewsweekly.com creased from $17,500 (for tax year 2014) to $18,000 (for Flora C. Clarke tax year 2015). The catch-up contribution limit for em- Administrative Assistant ployees aged 50 in these plans is increased from $5,500 flora@urbanviewsweekly.com to $6,000. Contribution deadline: Dec. 31. Shelia O. Spurlock-Shaw • Annual contribution limits, Individual Retirement Ac- Advertising shelia@urbanviewsweekly.com counts (IRA). For both traditional and Roth IRAs, the annual contribution limit is not subject to a cost-of-living Brittany R. Hughes adjustment and remains at $5,500. The over-50 catch- Art Director up contribution amount is $1,000. There are particular restrictions (http://www.irs.gov/publications/p590/ CHECK OUT OUR WEBSITE index.html) based on income levels, workplace retire- FOR THE LATEST ARTICLES ment plan coverage among other issues. Contribution AND INFORMATION. deadline: April 15. www.UrbanViewsWeekly.com
•
Higher 2015 income phase-out levels for traditional IRA contributions. For singles covered by a workplace retirement plan, the 2015 cutoff is now increased to a modified adjusted gross income (AGI) between $61,000 and continued on page 11
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SCHOLAR OF THE WEEK
Scholar0 ek of the We
™
Regardless of any financial hardships she may face, Shakera Vaughan is determined to be something. She wants to prove others wrong and said she believes you definitely can do anything you put your mind to and are willing to work for. As a current senior at Open High School, Shakera currently has a 4.56 GPA. “My unusual hobbies include debating topics at complete random that probably have no relevance to what I was talking about in the first place,” Shakera said. Though she always had an interest in law after taking a government class with a teacher she called amazing and very engaging, she began to grow an interest in government. Shakera has a passion for politics and enjoys keeping up with it by watching the news and CNN.
Recently she had the opportunity to intern in the Governor’s office under Anne Holton, the Secretary of Education. She said this experience made her interested in education as well. “I want to be head of an Education Department and I know you need to be knowledgeable of how the government and executed policies work,” she said.
Shakera Vaughan GPA: 4.56
of
Open High School
College of Interest: Cornell University Major Community Service: Project Rousseau, Future leaders program Strong Interests: Politics and derivatives in calculus Favorite Activity: Volleyball, Building leaders of RVA
By combining her two passions of politics and education, Shakera said “even if I go out of state for college and I go out of state to get my master’s, I think ultimately I really do want to come back to Richmond and help out with the education system here.” Her college of interest is Cornell University in New York. Shakera hopes to go to college to receive a Bachelor’s degree in Politics. She also wants to go to Graduate school to get a degree in Public Administration. While in college she said she plans on completing a plentiful amount of internships within multiple different government departments. Shakera said her entire family wants to see her succeed and are pushing her, because she will be a first generation college stu-
dent. She said the biggest influence in her life is her aunt, who she currently lives with. “She influences me to definitely want to do more,” Shakera said. She said her aunt always teaches her to do something she is passionate about even if it is something which does not make a lot of money.
Currently, Shakera is involved in numerous organizations; participates in community service; and also works as a hostess at Applebee’s. She has been active as a class council member, student representative, a member of the Young Adult Police Commission, Building Leaders of RVA, Future Leaders Council, Upward Bound, Honor and Scholar Club, Leadership Program, Debate team, and Key club. Her community service includes work with Project Rousseau, where she served as a mentor to students. She has also worked with the Parks Edge Community Center. Along with numerous other academic achievements, Shakera was a member of the Softball and Volleyball teams at her former high school. Shakera is interested in derivatives in calculus. “People look at me like I’ve grown a third eye once I tell them that sometimes I just do derivatives to pass the time.”
Shakera said she does not want to go to college because there will be late night parties and ample amount of freedom from parents and guardians, but she wants to fully develop her intelligence, strength, and character. She has always tried to get the most of any educational opportunity offered to her. “I know that my goals are a stretch but I truly do believe I have the determination and avid work ethic to fulfill them all,” Shakera said. “It’s not a matter of if they’re going to get done; it’s a matter of when they’re going to get accomplished.” By Janeal Downs
Correction: The grade point average for Jasmine Cousins, our December 3, 2014 Scholar of the Week, was stated to be 4.26; it was actually 4.62. We apologize for the error, and appreciate this opportunity to set the record straight.
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Christmas in the community By Janeal Downs The light drizzle and cool weather did not stop hundreds of people from attending the Christmas Parade Saturday afternoon. Many families were asked why they attended the parade and their plans for the Christmas holiday.
Cathe Abel Abel, who works at VCU, plans to relax on Christmas Day. She said in her family being with each other for the holidays, especially Thanksgiving, is important. “We’re all about family, born and raised in the military, so in our immediate family it’s very important. Thanksgiving is even more important; we love to get together, fellowship and eat,” Abel said. Now most of her family resides in Richmond. Abel was also with family at the Christmas parade. “I brought my great nieces. They wanted to come, and since I don’t have children of my own (they’re my baby brother’s granddaughters) I said I would come take them because their mommy had to work.”
Toni Hunter Hunter and her son decided to attend the parade to get into the Christmas spirit and planned to put up their Christmas tree afterwards. Hunter said she plans to travel to Michigan for Christmas. “Normally it’s just family. Family and quality time,” Hunter said. “Spending time with each other, catching up on everybody’s to do list, and seeing what everybody is doing.” She said when her family gets together they like to speak about their current goals and aspirations. To her, it is important to spend time with the people you love the most and to keep Christ in Christmas.
Charmaine Charity Charity attended the parade to see her cousin who helped carry a balloon and to see the bands perform. She hopes to relax on Christmas day. In her family, Christmas traditions include cooking Christmas dinner, having family time, and watching kids open presents.
Ikeisha Taylor and Michael Robinson Both Taylor and Robinson said they came to the parade for the children. Taylor said for Christmas it is important for them to celebrate as a family. She said it is important for them “just coming together and seeing the kids’ smiles on their faces in the morning.” Taylor and Robinson plan to visit both of their families’ homes for Christmas day. Photos by Janeal Downs
4 Urban Views Weekly December 10, 2014 www.UrbanViewsWeekly.com
continued on page 11
VIEWPOINTS
Our better angels… “Tis the season” By Dr. T Justice won’t be served until those unaffected are as outraged as those who are. Benjamin Franklin
T
hanksgiving to New Years is generally considered the “holiday season” in America. People of different faiths celebrate their high and holy holidays, the “shopping season” has the commercial industry geared up and excited, and we end one year as we usher in a new one. It is an extremely busy and hectic time of the year for people, no matter their religious affiliation or beliefs. It is a time when people open their hearts and their wallets to those less fortunate and give to shelters, food banks, charities, and children. Neighborhoods are decorated with lights; wreaths and boughs of holly and businesses large and small are set aglow with decorative lights and holiday festivities, special customer sales, and enticements. There is nowhere that you can turn where you do not see vestiges of “holiday cheer.”
This year, there is a peculiar and heart-wrenching canvas on which our holiday season is drawn. A strange and constrained atmosphere surrounds us as we make our traditional preparations for the season. Millions of people across the nation are filling city streets in coordinated nonviolent demonstrations as they march shoulder to shoulder, arm in arm in protest of what they see as the continued injustice and lack of accountability in the mounting cases of unarmed Black men being killed by police without consequence or cause; cases from Staten Island, New York, to Ferguson, Missouri, to Cleveland, Ohio, to Los Angeles, California, to Phoenix, Arizona and so on and so on and so on… Voices fill the space and cut through the night air in collective chords chanting their discontent by shouting #BlackLivesMatter, #NoJusticeNoPeace, #HandsUpDontShoot, and #ICantBreathe! The stark and unmistakable comparison must be made to other iconic moments of the 50’s and 60’s in the struggle for civil rights and equal pro-
tection under the law. Thousands of people of all races, beliefs, and vocations came together when the consciousness of the nation woke up and stood up together for change.
During the daily accounting of murder, violent attacks and the bitterness of the civil rights struggle in the 1950s and 60’s, nonviolent protesters took to the streets, and in the height of their resistance and social disobedience they never gave up…they persevered. The demonstrations were documented through photojournalism and videotape and then released for the entire world to see, calling into question both the integrity and the very foundation of “Freedom and Equality” on which the United States of America was founded. The citizen-activists demanded that their government live up to platitudes of justice and freedom it espoused and the position of moral leadership it wanted to claim in the world. The eyes of the world were watching. Americans were watching nightly in their living rooms, and could no longer ignore the state of inequality and injustice that defined the distinctly different and desperate experiences that the citizens of this nation, whose skin was not white, lived each and everyday. Americans had to call upon their “better angels” and work for equal justice for all of its citizens or it could no longer claim to be the America it was founded to be. We are better than what our history has been.
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: Kindness Can Be Catching
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‘Tis the Season f By Erika Winston
T
he most wonderful time of the year has arrived. Christmas is around the corner and shoppers are spending considerable amounts of money to provide their loved ones with the perfect gifts. Not everyone is concerned with giving though. Unfortunately, there are thieves out there who are only concerned with taking your credit card information and using it to their financial gain. To further complicate matters, these criminals are working behind closed doors. They use customer trust to gain their credit card numbers and steal millions of dollars. It’s a troubling situation, but there are steps that consumers can take to lessen their individual risk.
Experts also suggest that co amine their accounts on a fr to identify breaches more Waiting until the end of th lows thieves to make substa before the consumer even the account is brea
Last year, holiday shopping was abruptly interrupted when Target announced a major breach to their credit card security data. During the most profitable weekend of the year, the retail giant’s computer systems were hacked and, according to reports, the credit card numbers of more than 40 million customers were compromised. The thieves obtained the information when customers unknowingly swiped their cards at the point of sale terminals within the stores.
ers to imm portant for replaced to consumer f al laws pro but these r
The breaches spawned investigations by the federal government. In a statement to the Senate Judiciary Committee, U. S. Attorney General Eric Holder stated, “ The Department of Justice takes seriously reports of any data breach, particularly those involving personally identifiable or financial information, and looks into allegations that are brought to its attention.”
While thes many Chris and debit c vises custo agency sug
In the months that followed, investigators learned that the responsible parties were selling many of the credit card numbers on the black market. During the same time, consumers learned of security breaches within several other retail stores, including Neiman Marcus and, most recently, Home Depot. According to reports, the past year’s major retail security breaches resulted in costs totaling more than $200 million.
The Consumer Financial Protection Bureau (CFPB) issued a consumer advisory to provide consumers with information about the prevention and management of credit breaches. Individuals are first advised to monitor their banking and charge accounts. Research shows that most consumers do not thoroughly review their monthly statements. This lack of caution allows thieves to make small withdrawals that go without notice. They also use these small transactions to test an account and ensure that it is
6 Urban Views Weekly December 10, 2014 www.UrbanViewsWeekly.com
Consumers ing institut the Target were also c access soci
• •
Shop w cards o
Watch nologie perpetr credit o
for Credit Card Breaches
onsumers exrequent basis e expediently. he month alantial charges n realizes that ached.
active. If their actions go without consequence, they often wait a few months before making larger, more substantial, charges.
Experts also suggest that consumers examine their accounts on a frequent basis to identify breaches more expediently. Waiting until the end of the month allows thieves to make substantial charges before the consumer even realizes that the account is breached. The lapse in time can lead to more substantial losses and make criminal investigations less effective.
When problems are found, the CFPB advises consummediately report the charges to the bank or credit card company. This is imr a number of reasons. First, the accounts can be closed and card numbers o avoid any additional charges. Second, timely reporting can protect the from the financial responsibility of the fraudulent charges. Generally, federohibit institutions from holding consumers liable for unauthorized charges, regulations are only applicable if the customer reports the breach quickly.
s should also document all activities and communications with the banktion. Credit breaches can lead to larger cases of identity theft. Following breach, investigators learned that various forms of customer identification compromised. Thieves often utilize this information to conduct scams and ial security numbers.
se suggestions are valuable to the management of existing credit breach, stmas shoppers are questioning whether it is safe to shop with their credit cards during the holiday season. The Federal Trade Commission (FTC) adomers to exercise extra vigilance on their shopping trips. The government ggests that consumers:
with credit cards instead of debit cards. When breaches do occur, credit offer more protection against future unauthorized charges.
your back. Though recent breaches were executed with advanced teches, there are still numerous lower-tech options for thieves to utilize. Some rators simply peer over customer’s shoulders to gather the numbers on a or debit card.
•
Pay in cash. Consumers with the financial ability to pay in cash should do so. Paying in cash substantially reduces the likelihood of account breaches.
•
Be careful with the new cell phone payment apps. Before signing up for these technologies, investigate where your personal information is being stored and what security measures are in place for your protection.
•
Use one credit card, instead of many. This makes it easier to monitor suspicious activity and manage breaches as they occur.
The FTC also offers advice for online shopping, which continues to gain popularity during the holiday shopping season. Consumers are advised as follows: •
• • •
Ensure that the site is legitimate. Experts suggest that customers look for the letters “https” within the website’s URL address. The “s” on the end designates the site as secure. If the site address does not contain these letters, consumers should refrain from entering their credit card information, no matter how good the deal may appear. Know your seller. Consumers should stick with retailers that they are familiar with to avoid breaches. Reputable businesses generally include contact numbers and legitimate physical addresses on their websites.
Don’t be fooled by security seals. Many retail websites display seals that are supposed to verify the site’s security standards. These seals are easily created and are not necessarily indicative of a truly safe shopping site. Use anti-virus and firewall software. Whether consumers shop with their computers, tablets or smart phones, unprotected devices are always at risk of viral infection. The use of anti-virus software can prevent security breaches that can provide thieves with personal and confidential information.
The Christmas season should include a spirit of generosity and giving. But shoppers must protect themselves against security breaches that can have negative financial effects for months to come. By following some simple steps and paying extra attention to their finances, consumers can safeguard their personal information and hard earned assets.
www.UrbanViewsWeekly.com December 10, 2014 Urban Views Weekly
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CIVIC BEAT
FUNdraising Good Times Year End Reflections – Part Two
L
ast week, we shared a little of the history of this column. We hope we conveyed why we are committed to these weekly writings, and most importantly our belief in you, our readers. While we have met very few of you in person, we hold you up before us in our minds as we write. When we have the opportunity to meet you in person we are always delighted. Now and then people come up to us in the grocery store or on the street to let us know they read our column. Others let us know when we meet in business settings. Now and then we get an email or phone call.
As you prepare for 2015, there may be columns you missed with content that can help you.
For example, early columns focused on “how to” topics. These included how to create a case for support, how to create a fundraising plan, how to write a proposal, how to solicit a gift, and how to host a friendraiser. We moved into guidance and suggestions related to ensuring special events generate revenue, recruiting board members, and the difference between staff-led fundraising and volunteer-led fundraising. We expanded into interviews with philanthropic leaders, donors, bookkeepers, technologists, and grant writers. Guidance grew to include topics such as “answer the phone” and “how to keep a fundraising job” and “how to sabotage your fundraising.” We highlighted organizations that were successful in their fundraising. The prerequisites for fundraising success have been featured throughout our columns, and, in fact, our book Prerequisites for Fundraising Success is an outgrowth of this column.
Here’s who we think of as we write. We think of people who are committed to nonprofit organizations, those who volunteer, those who provide executive leadership, and those who are charged with fundraising. We think of receptionists and vice presidents, long-term donors and committed alumni. From our experience, we know that some of you are well connected professionals, others are grassroots activists. Some are devoutly religious, others are more secularly focused. We conjure up the diversity of your life experience, and the diversity of the organizations and causes you believe in. Mostly, we salute your humanity, your leadership, and your willingness to get involved. As you prepare for 2015, contemplate what you are willing to do in support of nonprofits you beWe want you to succeed. lieve in. If you would like us to address a specific topic, let us know. We’ll get busy writing. That’s what drives us to write each week. You. As we prepare to celebrate 10 years of writing this Copyright 2014 – Mel and Pearl Shaw column, we look back at its evolution and the diversity of topics we have addressed. We share them with you here to encourage you to look for past columns on our blog www.FUNdraisingGoodTimes. Mel and Pearl Shaw position nonprofits, colleges and universities for fundraising success. For help with your fundraising, visit www.saadandshaw.com or call (901) 522-8727.
NPS to commemorate 80th anniversary of the death and funeral of Maggie L. Walker
F
rom Tuesday, December 16, through Saturday, December 20, 2014, Maggie L. Walker National Historic Site will commemorate the 80th anniversary of Maggie Walker’s death. National Park Service rangers will be offering themed house tours throughout the week on a walk-in basis during regular park hours from 9:00 a.m. to 4:30 p.m. Tours will begin at the park’s visitor center at 600 N. 2nd St., in Richmond. The tours will focus on the home as the site of Walker’s death, her wake, and memorialization. Visitors should allocate approximately one hour for their visit. Also during the week, the park will be using its Facebook page (www.Facebook. com/MaggieLWalkerNHS) to share stories and quotes from her closest friends following her death.
The beginning and end dates for the week-long commemoration were chosen to include the dates of her death and funeral. Maggie Walker passed away on December 15, 1934 at her home on Leigh Street in Jackson Ward due to complications with diabetes. She was 70 years old. Her funeral was held at the First African Baptist Church on December 19, 1934. Following the funeral, she was interred at Evergreen Cemetery.
Nannie Helen Burroughs, one of Walker’s closest and most accomplished friends, sat with the Walker family during the funeral. Upon returning to her native Washington, D.C., Burroughs wrote a letter to the editor of Richmond’s News Leader, reflecting positively on Maggie Walker, her funeral, the descriptions of Walker in local white newspapers, and the respect shown her deceased friend by public officials, particularly the police force. “The lessons of her life and what took place in Richmond on Wednesday will make on[e] [of] the most thrilling and challenging chapters in the history of Virginia and of our Democracy,” wrote Bur-
8 Urban Views Weekly December 10, 2014 www.UrbanViewsWeekly.com
roughs. “What happened in your city is a happy assurance that the day will come in America when those who render real service, regardless of race, (in the language of Emerson) will find that ‘the world will make a beaten path to their door.’’’
A national activist for the rights of African Americans and women, Maggie Walker was the leader of the Independent Order of St. Luke, an important benevolent association, and the first African American woman in the United States to become president of a chartered bank. She worked to inspire young people to learn self-discipline, self-help, and selflessness, and groomed young leaders who knew the importance of helping others and their communities. The commemoration comes six months after the park celebrated the 150th anniversary of Maggie Walker’s birth in July 1864, the final year of the American Civil War.
“This year’s juxtaposition of the two anniversaries – Maggie Walker’s birth and her passing – provides us with a unique opportunity to highlight her role in the nation’s struggle to fulfill the promise of emancipation that came with the end of the Civil War,” said park superintendent David Ruth. “Visitors to the site during this special commemoration of the anniversary of her death and funeral will learn not only about the impact of Maggie Walker’s work, but how her passing 80 years ago affected the people in her life.”
The Maggie L. Walker National Historic Site has been a unit of the National Park System since 1978. Guided tours of her restored home, located in historic Jackson Ward, are given by National Park rangers. The park visitor center is open Tuesday through Saturday 9:00 a.m. to 4:30 p.m. Additional information is available at 804-771-2017, or on the web at www.nps. gov/mawa or www.Facebook.com/MaggieLWalkerNHS.
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Lakia Osborne and Crystal Suber Awaiting the Christmas Parade as he sat with Osborne and Suber, when asked their plans for Christmas day one boy excitedly said “I’m going to my grandma’s house.”Suber said they plan to go visit New Jersey for Christmas. When asked what Christmas traditions they had, they named opening presents, giving thanks, and drinking egg nog. Osborne said her family also has an annual card tournament for Christmas. In regards to the Christmas parade, Suber said the rain did not kill her joy and she still enjoyed seeing Santa, the floats, and the bands. “It’s all about the kids, but I’m a big kid too,” Suber said.
Timothy Horton Horton took his daughter to see the parade. When asked about his plans for Christmas, he playfully asked his daughter what they were doing as she hid her face. “We all get together on Christmas Eve and hang out, that’s pretty much it,” he said about Christmas day. He said he plans to visit and spend time with family in Lynchburg.
Treva Veney Veney awaited the parade under an umbrella like many others. “I’m here so that I can let my daughter see all of the floats and things that go by, she’s almost three,” Veney said. For Christmas, Veney will stay home and open gifts with family. She said family from out of town, such as Maryland and from other areas of Virginia, is coming to visit. In regards to Christmas traditions, her family usually stays home in the morning to open gifts and has dinner in the evening. www.UrbanViewsWeekly.com December 10, 2014 Urban Views Weekly
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