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Archive for June 10th, 2016

What (Else) is the Mayor Hiding?

Posted by Admin On June - 10 - 2016 Comments Off on What (Else) is the Mayor Hiding?
From: Chicago Alliance Against Racist & Political Repression

The refusal of Mayor Rahm Emanuel to release Garry McCarthy’s emails in the period leading up to his firing is just another effort to hide his own complicity in the cover-up of the brutal police murder of Laquan McDonald.


But his maneuvers will backfire. They will simply add fuel to the fire that is burning in Chicago’s communities demanding community control of the police through passage of the ordinance creating an all-elected Civilian Police Accountability Council CPAC).


“We urge everyone to come to City Hall on June 22 at 8:30 am and be part of the protest against the Mayor’s empty ‘police reform’ proposals,” declared Frank Chapman, Field Organizer of the campaign to enact CPAC. “The mayor should resign and let the City Council get on with the people’s business of enacting real police accountability by passing the CPAC ordinance,” Chapman added.


Cook County Judge Kathleen Pantle ordered the city to turn over the emails to the Chicago Tribune yesterday, ruling in a freedom of information lawsuit filed by the paper.


In the lawsuit the Tribune charges that the city “employed a panoply of delay tactics” to “thwart public access to the McCarthy emails, which may shed light on matters of important public concern related to the firing of the city’s former Superintendent in the wake of the Laquan McDonald scandal.”

For more information contact: Frank Chapman, 312-513-3795
                                                      Ted Pearson, 312-927-2689.

Munger: Budget Inaction to Bring Greater Hardship

Posted by Admin On June - 10 - 2016 Comments Off on Munger: Budget Inaction to Bring Greater Hardship
Comptroller details ramifications of status quo

CHICAGO, IL – Illinois Comptroller Leslie Geissler Munger on Thursday warned that hardship caused by the state’s ongoing budget impasse will grow significantly if Illinois enters a new fiscal year on July 1 without further action in Springfield.


While court orders, consent decrees and statutory authorization of some payments will continue, Munger noted that $23 billion in existing spending for schools, 911 call centers, domestic violence shelters, federally-funded social and human services and higher education will stop next month without new legislation. In addition, businesses and organizations that have signed contracts and provided services to the state this year face the very real possibility of having to go to Court to be paid in the absence of a stopgap budget.


“Our social service network is being torn apart, our most vulnerable residents are losing critical services, our colleges and universities are on the verge of collapse, and businesses and organizations are being forced into mass layoffs that are leaving families with no way to meet their financial obligations,” Munger said. “All of this is happening because of the state’s failure to pass a budget. It’s unconscionable, it’s irresponsible and frankly, it violates our Constitution.”


Munger highlighted four budget bills that were passed by the General Assembly and signed by the Governor that will sunset in the new fiscal year. The legislation authorized spending that included:

  • $13.7 billion for K-12 education
  • $3.1 billion that funded local governments, 911 call centers, domestic violence shelters, lottery winners and other programs and services
  • $5.4 billion in federal spending including the Low Income Energy Assistance Program, child nutrition programs, HIV prevention and home-delivered meals for seniors
  • $600 million for colleges, universities and MAP grants

Compounding Illinois’ challenges, Munger noted businesses that have provided goods and services to the state in good faith in the current fiscal year will continue to go unpaid without legislation in Springfield. Typically, unpaid vendors would go before the Court of Claims to compel payment, but without an appropriation that Court is not an option. As a result, the state faces the possibility of a wave of costly lawsuits.


“The best thing Springfield can do is pass a balanced budget that addresses the holes in this year’s budget and allows for those who rely on government to plan for the year ahead, as is required by the State Constitution,” Munger said. “And at the very least, our state owes it to its taxpayers to pass funding that allows our schools to open, ensures vendors are paid for services already provided and keeps critical state government operations running.”


Madigan: Credit Downgrade Caused by Rauner’s Desire to Cause Crisis

Posted by Admin On June - 10 - 2016 Comments Off on Madigan: Credit Downgrade Caused by Rauner’s Desire to Cause Crisis

SPRINGFIELD, IL – Illinois House Speaker Michael J. Madigan issued the following statement after Moody’s Investors Service downgraded Illinois’ credit rating Wednesday:

“Governor Rauner has created the crisis he so publicly sought. The crisis he wanted when, shortly after taking office, he said ‘Crisis creates opportunity. Crisis creates leverage … and we’ve got to use that leverage of the crisis…’

“It’s an outrage that we have gone nearly a year without a state budget. This downgrade is directly attributable to Governor Rauner’s reckless decision to hold the state hostage for more than a year and to create the crisis he desired. The governor’s own proposed budgets are billions of dollars out of balance, and, for almost a month, a bipartisan plan to provide emergency funding for human services providers and our most vulnerable has languished on Governor Rauner’s desk. He refuses to sign that bill because he continues seeking a state of crisis in Illinois.

“We are committed to continuing our negotiations with the governor on his agenda, but we won’t support an agenda that benefits the wealthy and corporations at the expense of middle-class families. The governor needs to work with legislators to pass a budget that ensures we continue to fund education, health care for the frail elderly and persons with disabilities, and other basic services that Illinois families rely on, rather than refusing to allow government to function in order to continue his manufactured crisis.”

Iberia Parish, Louisiana, Sheriff and Two Other Officials Charged with Civil Rights Violations

Posted by Admin On June - 10 - 2016 Comments Off on Iberia Parish, Louisiana, Sheriff and Two Other Officials Charged with Civil Rights Violations

Principal Deputy Assistant Attorney General Vanita Gupta, head of the Justice Department’s Civil Rights Division, and U.S. Attorney Stephanie A. Finley of the Western District of Louisiana announced that Iberia Parish, Louisiana, Sheriff Louis Ackal, Lieutenant Colonel Gerald Savoy and former Captain Mark Frederick were charged today in a superseding indictment with civil rights violations arising out of the beatings of two men.

The superseding indictment charges Ackal with one count of conspiracy against rights for conspiring in the spring of 2014 to assault a man who had been arrested on battery charges for allegedly assaulting one of Ackal’s relatives.  The superseding indictment also charges Savoy and Frederick with one count of deprivation of rights under color of law for allegedly assaulting another man, a pre-trial detainee at the Iberia Parish Jail (IPJ) in September of 2011.  Ackal and Savoy had previously been charged related to beatings of pre-trial detainees at the IPJ on April 29, 2011.

Nine former Iberia Parish Sheriff’s Office employees previously entered guilty pleas in related cases before U.S. District Judge Patricia Minaldi of the Western District of Louisiana.  The nine officers are former IPJ Warden Wesley Hayes, former IPJ Assistant Warden Jesse Hayes, former Lieutenant Bret Broussard of the Narcotics Unit, former narcotics agent Wade Bergeron, former narcotics agent Jason Comeaux, former narcotics agent David Hines, former narcotics agent Byron Benjamin Lassalle and former K-9 handlers Robert Burns and Jeremy Hatley.

An indictment is merely an allegation, and the defendants are presumed innocent until proven guilty.  If convicted, Ackal, Savoy and Frederick each face a maximum sentence of 10 years in prison for each of the civil rights violations, as well as a potential $250,000 fine for each count.

The case is being investigated by the FBI’s Lafayette Resident Agency.  The case is being prosecuted by Senior Litigation Counsel Joseph G. Jarzabek of the Western District of Louisiana and Special Litigation Counsel Mark Blumberg and Trial Attorney Tona Boyd of the Civil Rights Division’s Criminal Section.

Ackal Superseding Indictment

Source: FBI

Hyde Park Art Center Welcomes 2016 Deutsche Bank Artist of the Year Basim Magdy for Chicago Residency

Posted by Admin On June - 10 - 2016 Comments Off on Hyde Park Art Center Welcomes 2016 Deutsche Bank Artist of the Year Basim Magdy for Chicago Residency

CHICAGO, IL –This July the Hyde Park Art Center (5020 S. Cornell Ave.) will welcome Deutsche Bank’s “Artist of the Year 2016,” Basim Magdy, to participate in the Jackman Goldwasser Residency for the summer of 2016. During his time as an artist in residence Magdy will host an open studio on July 30 from 2p.m.-5 p.m. and an artist talk on August 3 from 6p.m.-7p.m.  As a Jackman Goldwasser resident artist, Magdy will have the opportunity to expand his practice through new research while immersing himself in Chicago’s rich art scene. Unlike similar artist residencies, this program makes no production demands on its artists, allowing them to take risks in their work and engage with the resources and vibrant art community offered by Chicago. Magdy is best known for film, video and photo-based work, though while in residence, he is eager to reconnect with other lesser-known facets of his practice, such as painting.

“This residency will be an opportunity to generate new ideas, not only for Basim Magdy’s personal practice but also his fellow artists at the Art Center and the Chicago art community as a whole,” said Allison Peters Quinn, Director of Exhibitions and Residency Programs. “That is really the purpose and goal of these residencies; to promote an exchange of artistic ideas centered at the Hyde Park Art Center.”

Magdy, who splits his time between Basel and Cairo, works in a variety of media including film, video installation, photo-based work and painting. His works, which are often recognizable by their deep saturated color, seek to assign new meanings to pervasive images that may have fixed associations. Through his poetic, multifaceted and humorous, Magdy’s work questions the ways in which people experience images and understand events, both historical and contemporary. Magdy has recently focused on developing film and video work, creating a series of Super 8 and 16 mm films, which have been included in many festivals including the New Museum Triennial.

About Basim Magdy

Basim Magdy was born in 1977 in Assiut, Egypt. He received a BFA at the Faculty of Fine Arts at Helwan University, Cairo. Magdy’s work has been remarkably well-received earning him numerous awards including Deutsche Bank “Artist of the Year 2016,” the 2015 Experimental Award at the Curtas Vila do Conde at the International Film Festival, Portugal and the 2014 Abraaj Art Prize, Dubai. Recent solo shows include An Absent Population Laughs at its Haunting Withdrawal, Art in General, New York (2014); A Steady Progress of Nothingness, Newman Popiashvili Gallery, New York (2013), Confronting the Monster in a Monster Costume, Centre Culturel Suisse, Paris (2013), and On A Better Day than This, Townhouse Gallery of Contemporary Art, Cairo (2008). He has participated in numerous international group exhibitions including at Whitechapel, London (2016), MoMA, New York (2015), The New Museum Triennial (2015), 13th Istanbul Biennial (2013), Sharjah Biennial 11 (2013), Future Generation Art Prize (2012), Venice (2013), Homeworks, Askhal Alwan, Beirut (2013), La Triennale, Palais de Tokyo, Paris (2012), Transmediale, Haus der Kulturen der Welt, Berlin (2012), One Day We Will Shine Like the Stars, Kunsthalle Wien (2011) and Rencontres Internationales, Centre Pompidou, Paris (2011). Later this year, Magdy will have a solo exhibition at the Jeu de Paume, Paris.

About the Jackman Goldwasser Residency

Situated within the community of Hyde Park Art Center, the Jackman Goldwasser Residency provides a platform for international, national, and local artists each year to take creative risks within their practice and expand their professional networks while living and working in Chicago. The Jackman Goldwasser Residency aims to stimulate Chicago’s cultural community by supporting the creative process and provide a space for cross-cultural exchange and conversation.

Residencies are curated with selection based on the quality of artists’ work and the impact this residency will have on their practice. International and national residencies range from six to eight weeks, while local artists may be in residence for up to a year, depending on the artist’s needs and project scope. Artists are provided studio space at the Art Center, accommodation, supportive resources, and connection to the city’s artists, institutions, and cultural communities.

White House Announces the 2016-2017 National Finalists for the White House Fellows Program

Posted by Admin On June - 10 - 2016 Comments Off on White House Announces the 2016-2017 National Finalists for the White House Fellows Program

WASHINGTON, DC — The President’s Commission on White House Fellowships announced the National Finalists for the 2016-2017 White House Fellowship. This year’s class of Finalists represents an accomplished and diverse cross-section of professionals from the private sector, academia, medicine, and our armed services.

National Finalists for the nation’s premiere program for leadership and public service hail from across the United States, from Akron to Miami, Rapid City to Los Angeles. They have demonstrated remarkable professional achievement early in their careers, a commitment to public service, and the leadership skills needed to succeed at the highest levels of the Federal government.

National Finalists have advanced through a highly competitive selection process, including a comprehensive written application and regional interviews with civic leaders in eight different cities across the country. The National Finalists will be evaluated by the President’s Commission on White House Fellowships in Washington, DC from June 9-12, 2016.

A complete list of National Finalists appears below:

2016 National Finalists

Robert Accordino

Resident, Child & Adolescent Psychiatry, Massachusetts General Hospital and McLean Hospital

Cambridge, Massachusetts

Raven Bukowski

Major, United States Army

Akron, Ohio

Shawn Callahan

Major, United States Army

Spencerport, New York

Eric Chastain

Master Sergeant, United States Army

Tenino, Washington

Jason Curtis

Major, United States Air Force

Kalispell, Montana

Linden Dahlkemper

Lieutenant, United States Coast Guard

Erie, Pennsylvania

Sharice Davids

Deputy Director, Thunder Valley Community Development Corporation

Rapid City, South Dakota

Lloyd Edwards

Politico-Military Fellow, Harvard Kennedy School, and Lieutenant Commander, United States Navy

Equinunk, Pennsylvania

Wifredo Fernandez

Associate Director, Innovation & Economic Development – Faculty, Honors College Florida International University

Miami, Florida

Timothy D. Gatlin

Lieutenant Colonel, United States Army

Houston, Texas

Erik Iverson

Deputy Director, Office of Emergency Management, City of Philadelphia

Philadelphia, Pennsylvania

Ang Yu Kleiman

Graduate Student, Tufts University

Orem, Utah

Joseph McGeehin

Vice President, Office of the Chairman and CEO, Morgan Stanley

Newtown Square, Pennsylvania

Michael Morales

Commander, United States Air Force

Naranjito, Puerto Rico

Warren Morgan

Academic Superintendent, Cleveland Metropolitan School District

Cleveland, Ohio

Daniel Thompson Paine

Vice President of Operations and Business Development, Quizlet

Nashville, Tennessee

Austin Ramirez

President and Chief Executive Officer, HUSCO International

Milwaukee, Wisconsin

Kathryn Roos

Graduate Student, Harvard University

South Bend, Indiana

Lindsey Ross

Resident Physician, Neurosurgery, Cedar-Sinai Medical Center

Los Angeles, California

Kyle Scherer

Associate, Simpson Thacher & Bartlett LLP

Dover, Ohio

Tina Shah

Physician, Pulmonary & Critical Care, University of Chicago

Chicago, Illinois

Matthew Swenson

Press Secretary and Senior Communications Advisor, Office of Governor Mark Dayton and Lieutenant Governor Tina Smith

Saint Paul, Minnesota

Jason Tama

Commander, United States Coast Guard

Cabin John, Maryland

Kerry Thompson

Information & Program Coordinator, Disability Rights Fund

Malden, Massachusetts

Phoenix Torrijos

Major, United States Air Force

La Crosse, Wisconsin

Anjali Tripathi

Astrophysics Ph.D. Candidate, Harvard University

Woodlands Hills, California

Frederick Tsai

Senior Director, Global Strategy & Operations, Salesforce.com

San Francisco, California

Wesley Turbeville

Senior Associate, McKinsey and Company

Midlothian, Virginia

Bryant Cameron Webb

Resident Physician, New York-Presbyterian Hospital

Spotsylvania, Virginia

David Wertime

Senior Editor, Foreign Policy

Jenkintown, Pennsylvania

About the White House Fellows Program

Founded in 1964 by President Lyndon B. Johnson, the White House Fellows Program offers exceptional Americans first-hand experience working at the highest levels of the Federal government. After a competitive application process, selected individuals spend a year in Washington, DC working full-time for Cabinet Secretaries, senior White House staff, and other top-ranking government officials. Fellows also participate in an education program consisting of roundtable discussions with renowned leaders from the private and public sectors, including the President and Vice President. Fellowships are awarded on a strictly non-partisan basis.

Mary Zients, founder and Board Chair of the Urban Alliance Foundation is the chair of the Commission. Cheryl Dorsey, the President of Echoing Green, serves as Vice Chair. Other members of the Commission are: Beth Cobert (Ex-officio), Wesley Clark, Carmen Corrales, Nelson Diaz, Matrice Ellis-Kirk, Helene Gayle, Alice T. Germond, Vartan Gregorian, Steve Gunderson, Cynthia Hale, Deborah Harmon, Christy Haubegger, Peter Blair Henry, Amanda Hesser, John Hockenberry, Lisa Ling, Shannon Price Minter, George Muñoz, Lloyd W. Newton, Theodore Olson, Roger Porter, Rion Joaquin Ramirez, Steve Spinner, Ziad Haider (Ex-officio; President of the White House Fellows Foundation and Association), George Thibault, Eleanor Kaye Wilson, and Judy Wise.

There are more than 700 White House Fellow alumni, a distinguished group that includes former Secretary of State Colin Powell, former Secretary of Labor Elaine Chao, former Secretary of Housing and Urban Development Henry Cisneros, CNN Chief Medical Correspondent Dr. Sanjay Gupta, and Pulitzer Prize-winning author and historian Doris Kearns Goodwin.

Additional information about the White House Fellows Program can be found at www.whitehouse.gov/fellows.

Members of the Congressional Black Caucus Call for Immediate Executive Action to Eradicate Boko Haram

Posted by Admin On June - 10 - 2016 Comments Off on Members of the Congressional Black Caucus Call for Immediate Executive Action to Eradicate Boko Haram

WASHINGTON, D.C. – Recently, Congressional Black Caucus Chairman G. K. Butterfield (NC-01) and members of the CBC sent a letter to President Barack Obama encouraging immediate action in response to Boko Haram to ensure the safe return of the more than 200 Nigerian schoolgirls who remain captive by the terrorist organization.

Led by the efforts of Congresswoman Frederica S. Wilson (FL-24) and the #BringBackOurGirls movement, the CBC letter outlines a series of extensive considerations to increase the administration’s response to Boko Haram and bring an end to the deadly organization once and for all.

A copy of the letter may be viewed in its entirety here.

UMC – Urban Movie Channel Celebrates Black music Month With June Streaming Slate, Paying Homage to Musical Icons and Hip Hop Legends

Posted by Admin On June - 10 - 2016 Comments Off on UMC – Urban Movie Channel Celebrates Black music Month With June Streaming Slate, Paying Homage to Musical Icons and Hip Hop Legends

First Premiere, “Welcome to Blackroc,” Debuts Friday, June 10 

RLJ Entertainment/ UMC

Los Angeles, CA (BlackNews.com) — In honor of Black Music Month, RLJ Entertainment’s Urban Movie Channel (UMC) presents a month long of tributes and new titles to be added on Fridays throughout June. Join UMC as it pays tribute to music legends, with a special focus on old school hip hop. Kicking off the month is the premiere of Welcome to Blakroc, from hip hop pioneer and producer Damon Dash. The music/performance documentary focuses on the making of the album of the same name by the Rock/Blues duo, The Black Keys, and features guest appearances from several hip hop acts, including Mos Def, Nicole Wray, Pharoahe Monch, Billy Danze of M.O.P., Q-Tip of A Tribe Called Quest, Jim Jones, NOE of ByrdGang, Raekwon, RZA and the late Ol’ Dirty Bastard of Wu-Tang Clan. A follow-up documentary, Blakroc 2, will debut on UMC later in 2016. Also premiering this month is the docu-series Hip Hop Nation, a behind-the-scenes look at the Hip Hop movement and its influence on pop culture.

On Friday, June 17, UMC adds the documentaries Tupac Shakur Vs, which features an in-depth never before seen 1995 interview with the late rapper, and Tupac Shakur: Before I Wake, a look back on Tupacs final years through the eyes of rap industry legends Eazy-E and Russell Simmons, among others. Finally, UMC closes out the month with two titles premiering on Friday, June 24th that pay homage to two of the most legendary artists in music: Hendrix on Hendrix, the Jimi Hendrix documentary, and the UMC exclusive streaming premiere of the biopic, NINA, a tribute to the life and legacy of Nina Simone, which stars Zoe Saldana, David Oyelowo, Mike Epps, Keith David and Ella Joyce.

Available at urbanmoviechannel.com, UMC is the first urban-focused streaming service in North America showcasing quality and exclusive urban content designed for African American and urban audiences from RLJ Entertainment (NASDAQ: RLJE). Sign-up today for your free 14-day trial offer at www.UrbanMovieChannel.com. To join the conversation, follow @WatchUMC on Twitter and Instagram, and like us on Facebook (UrbanMovieChannel).

About UMC
UMC Urban Movie Channel was created by Robert L. Johnson, Chairman of RLJ Entertainment and founder of Black Entertainment Television (BET). UMC is an urban-focused subscription streaming service in North America and features quality urban content showcasing feature films, documentaries, original series, stand-up comedy, and other exclusive content for African American and urban audiences. New titles added weekly include live stand-up specials like Martin Lawrence Presents: 1st Amendment Stand Up and Comedy Underground Series, and performances featuring Academy Award® winner Jamie Foxx and comedic rock star Kevin Hart; dramas including Blackbird starring Academy Award® winning actress and comedian Mo’Nique, Isaiah Washington, and directed by Patrik-Ian Polk, and Playin For Love, starring and directed by Robert Townsend; documentaries including Bill Dukes Dark Girls and I Aint Scared of You: A Tribute to Bernie Mac; action/thrillers including The Colony starring Laurence Fishburne; and stage play productions including What My Husband Doesnt Know by David E. Talbert. For more information visit: www.urbanmoviechannel.com.

Black Female Entrepreneur Celebrates Black Fathers Nationwide With Unique Gift Box for Men

Posted by Admin On June - 10 - 2016 Comments Off on Black Female Entrepreneur Celebrates Black Fathers Nationwide With Unique Gift Box for Men

The gifts that make up the gift box come from five different Black-owned businesses

Koils By Nature Giftbox for Men

Atlanta, GA (BlackNews.com) — Koils By Nature, an affordable natural hair & skincare line of cleansers, conditioners, shampoos, butters, gels, oils and treatments for all hair types, including curly, wavy, straight, relaxed, natural hair announces a Fathers Day Box special.

Pamela Jenkins Booker, founder of Koils By Nature says, I am delighted about this collaboration with five other black owned businesses to come up with a beautiful box full of wonderful products for the men in our lives, a great gift for Fathers Day. Koils By Nature products cater for the entire family and the natural men’s care products added to the collection has been a hit. This glowing review from Jacquès O. Beatty confirms this – Hands-down the best beard products I’ve used to date, the “Beard Butter” is especially my favorite. I’m a fan and will be a faithful customer for the foreseeable future!

This year, Koils By Nature is celebrating the men in our lives by teaming up with other five black owned businesses namely; Savoy Scents- a handmade candle & home fragrance company; Slather Butters – a handmade bath & body boutique, Riada by Adair – online retailer & boutique specializing in unique handcrafted jewelry and gifts; and Harrison Blake Apparel a lapel pins, neckties & accessory line for gentlemen; and for the combo box option, Benson Watches – a premier luxury watch brand. Everything you will need for the special man in your life in one amazing box. This Father’s Day Box from Koils By Nature makes the act of giving simple and stress free.

Boxes ship on June 13 & 14, 2016 just in time for Father’s Day. Boxes with the Benson Watch are priced at $247 and the boxes without the watch cost $97.The Fathers Day Box includes: 1 – Beard & Face Cleanser, 1 – Beard & Face Moisturizer, 1 – Beard Butter, 1 – Mens Pomade (all from Koils By Nature); 1 – Savoy Scents 4oz Candles, 1 – Slather Butter Tobacco Soap, 1 – Riada Cuff Link, 1 – Riada Tie Bar, 1 – Harrison Blake Apparel Tie, 1 – Harrison Blake Custom Lapel Pin, 1 – Custom Comb Mirror, and an optional box combo with the *Benson Watch* (Only 25 of these are available) To view and shop the full collection, visit bit.ly/kbnfathersday.

About Koils By Nature
Koils by Nature is an affordable, all natural hair & skincare company for all hair types, including curly, wavy, straight, relaxed, natural hair; color treated and locked hair, for the entire family. Made from the purest, tested and proven, highest quality certified organic essential oils and natural ingredients; Koils By Nature products are widely requested by natural hair lovers everywhere. Handmade with love and care, in a sterile environment; the products do not contain parabens, sodium lauryl sulfate, sodium laureth sulfate, phthalates, propylene glycol, mineral oil, PABA, petroleum, paraffin, DEA, synthetic color, or animal products. Koils By Nature was founded by Pamela Jenkins Booker, a science graduate and a veteran from South Carolina, recently listed in the 16 Women to Watch Out for in 2016 by Centric TV. She has been incredibly passionate about healthy hair care after transitioning into her own natural hair in 2007. For more details about the company, visit www.koilsbynature.com

Photo Caption: Pamela Jenkins Booker, founder/owner of Koils By Nature

Black Wealth Matters – 5 Financial Terms You Hear Often (But Probably Don’t Fully Understand)

Posted by Admin On June - 10 - 2016 Comments Off on Black Wealth Matters – 5 Financial Terms You Hear Often (But Probably Don’t Fully Understand)

By Randy Hughes, founder/ CEO of Counting Pennies

Black couple fighting over money

Nationwide — We see it every day… in movies, commercials, and the internet. People on billboards or other advertisements, smiling uncontrollably, running through open fields, watching sunsets on white sand beaches (while drinking their lattes). Every day we are bombarded with If Onlys… promises of financial success if only we do this or if only we do that. And many of us— while we sit in traffic on our way to another long day in the office – ask ourselves, Im smart… I work hard…. Wheres my latte? Wheres my beach?

Most often, the problem is not you. In reality, the problem is with the message we receive. Often we hear phrases like… financial independence, financial freedom, financial security. And those phrases are always used while showing a result, a promised eventuality. However, rarely do those that promote these phrases discuss and teach about the work involved to get there. What do these phrases really mean and how can you maximize your chances of making them your reality?

Here are 5 financial terms that you hear often, but may not fully understand:

#1 & 2 – Financial Independence/ Financial Freedom: Financial independence and financial freedom tend to be used interchangeably. Financial independence/freedom is the point where income from your assets and residual earnings exceeds your basic monthly and recurring expenses. Typically, a person who enjoys financial independence or has financial freedom is not dependent solely on one source of income. Normally, there are various streams of income that contribute to his/her financial situation.

A common misconception is that people with big homes, multiple homes, fancy cars, or exotic vacations are financially independent or enjoy financial freedom. That is not necessarily true. Some people have these items but have 60-80 hour professional work weeks. Others accumulate credit card and loan debt in an effort to give the appearance of financial independence and freedom. Neither of these classes of people are truly financially independent or financially free. Further, people that live from paycheck to paycheck are not financial independent or financially free.

#3 – Financial Security: While financial independence and financial freedom tend to focus on the dollars and cents of a persons financial situation at a given point in time, financial security adds the element of a persons peace of mind combined with the perception or belief that the state of financial independence and freedom will continue for some period of time.

Generally speaking, people who are financially secure are not only covering their basic monthly expenses, but also have a substantial savings and asset portfolio that can be tapped or drawn from if necessary. Typically, income exceeds expenses several times over, and one or two bad investments or financial setbacks are not likely to change or impact their standard of living or spending decisions.

#4 – Financial Literacy: Financial literacy is the ability to understand how money works and how to manage it. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources. Unfortunately for many, understanding how money really works and how to best use it to ones advantage is not a skill set. One example of financial literacy would be knowing what to pay and when to pay it.

#5 – Financial Responsibility: Financial responsibility is the ability to put financial literacy to work for the well-being of ones financial situation and financial future. Being financially responsible is similar to eating or drinking responsibly. We may know what is good for us but sometimes we need assistance in identifying and making healthy choices. Likewise, it is not enough to understand money… you have to know how to make the right choices that will serve you, your family, and your business well in the long run.

Financial responsibility is what helps to keep all of us grounded. Before we think about the $1 million home-based business, the endless shopping spree, or the incredible tax refund, we have to understand that without financial responsibility, none of those scenarios can be real. Regardless of if you are rich or poor, white-collar or blue-collar, employed or not, no one can enjoy success long-term without financial responsibility. The good news is, anyone can learn to be financial responsible!

Randy Hughes is the CEO/ founder of Counting Pennies, an affordable nationwide tax preparation firm that helps hundreds of families across the country prepare their tax returns, and maximize on tax credits and deductions. The firm also offers affordable tax planning, bookkeeping, financial coaching, and other services. Contact them directly at (800) 234-1449 or visit www.cpennies.com

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Welcome to CopyLine Magazine! The first issue of CopyLine Magazine was published in November, 1990, by Editor & Publisher Juanita Bratcher. CopyLine’s main focus is on the political arena – to inform our readers and analyze many of the pressing issues of the day - controversial or otherwise. Our objectives are clear – to keep you abreast of political happenings and maneuvering in the political arena, by reporting and providing provocative commentaries on various issues. For more about CopyLine Magazine, CopyLine Blog, and CopyLine Television/Video, please visit juanitabratcher.com, copylinemagazine.com, and oneononetelevision.com. Bratcher has been a News/Reporter, Author, Publisher, and Journalist for 33 years. She is the author of six books, including “Harold: The Making of a Big City Mayor” (Harold Washington), Chicago’s first African-American mayor; and “Beyond the Boardroom: Empowering a New Generation of Leaders,” about John Herman Stroger, Jr., the first African-American elected President of the Cook County Board. Bratcher is also a Poet/Songwriter, with 17 records – produced by HillTop Records of Hollywood, California. Juanita Bratcher Publisher

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