Columbine survivors raise kids as shootings go on

Associated Press

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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A gate agent for Southwest Airlines sang ‘You Raise Me Up’ for a mourning mother

ABC News

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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SPECIAL DONATION REQUEST UPDATE:

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Pat Cleveland’s Friends Help Raise Funds for Her Colon Cancer Treatment

STRENGTH IN NUMBERS: Friends and relatives of the irrepressible model Pat Cleveland are rallying around her to help finance her treatment for colon cancer.
In less than 24 hours, 121 people had contributed nearly $ 44,000 toward the $ 150,000 GoFundMe initiative as of early this afternoon. Cleveland’s husband, Paul van Ravenstein, said Monday, “The community is so supportive. It is just amazing to see everybody reach out.”
After having some strange digestive issues over the last few months, Cleveland sought medical advice in New York. Cleveland helped to break racial barriers on the runways in the Sixties and Seventies. Unlike many of her peers, Cleveland continued to model through the years. Once fashion week got underway in February, she was busy in New York, and then off to Europe for the Laura Biagiotti and Missoni shows in Milan, followed by Tommy Hilfiger’s Zendaya show in Paris, her husband said. Earlier this month Cleveland made an appearance at the Montreal Museum of Fine Arts’ opening for its Thierry Mugler exhibition.
About 10 days ago in Paris for her daughter Anna’s birthday and a hair show for L’Orèal, Cleveland sought medical attention due to increased discomfort, her husband said. When the consulting physician checked back with

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Kamala Harris wants to give every American teacher a big raise. Here’s how she plans to do it

Democratic presidential hopeful Sen. Kamala Harris unveiled her latest major policy plan Tuesday, proposing a multi-billion dollar federal initiative to increase wages for every teacher in the United States.
Politics

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Will JPMorgan Chase ever raise interest rates on bank accounts?

Dear John: JPMorgan Chase chief executive Jamie Dimon is quoted as saying, “I don’t want to be a tone-deaf CEO. … It is absolutely obvious that a big chunk has been left behind.” Too bad he doesn’t consider increasing interest on bank accounts. J.D. Dear J.D. Ouch! Cruel, but true. Of course, you understand that…
Business | New York Post

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New Bill Could Help Black Banks Raise Capital, Cut Costs, and Attract Black Investors

A new bill could help black banks raise more capital and boost small business lending in the African American community.

U.S. Representative Bobby Rush, D-Illinois, has introduced the Rescue Act for Black and Community Banks. The bill–initiated in January 2019–aims to, along with other measures, bring regulatory relief for black banks from Congress, boost wealth-building for black consumers and businesses, and help save black banks from failing.

The number of black banks in America totaled 22 in 2017, Federal Deposit Insurance Corp. data shows. That number is down an eye-popping 42 percent from 38 in 2012. The most recent number reveals there were only 23 black banks as of the third quarter of 2018.

Ryan Johnson, communications director for Congressman Rush, and William Michael Cunningham, an economist and banking expert who worked with Rush’s office on the bill, shared with BLACK ENTERPRISE some key points of what the legislation would do.

black banks

Rep. Bobby Rush

Johnson says Rush believes black-owned community banks play a vital role in communities because they reinvest in the people that live, work, and worship with one another.

“These financial institutions stimulate economic development and spur innovation amongst our entrepreneurs, augmenting the economic wealth African-Americans so desperately need. For black, minority, and rural communities to thrive, a new focus must be placed on the financial institutions serving them,” Johnson said.

The communications expert added that the bill establishes within the Treasury Department’s Office of the Comptroller of the Currency, an office to be known as the “Office of Black and Community Banks.” It authorizes the comptroller to provide them with the regulatory flexibility to encourage affordable small dollar lending.

He says the bill further establishes the “Minority Bank Deposit Program” to expand the use of minority banks, women’s banks, and low-income credit unions and requires federal agencies to develop plans to use these institutions, to the extent possible, for their banking needs.

The bill also could help African American banks boost black entrepreneurship where they operate and become stronger financial services providers.

“The push to solve the economic crisis in the black community will require fighting on several fronts: education, health, fighting discrimination, and the creation of wealth building opportunities,”  Johnson said. “The goal of this bill is not to make black banks compete with other banks, but to increase access to capital and credit for the black community. By doing that, this legislation will significantly increase entrepreneurial activity in the black community by supporting the development of many community financed small black businesses.”

Interestingly, Cunningham maintains the bill is an extension of the Black Lives Matter and Bank Black Movements. He said the bill seeks to partially or completely exempt black banks and community banks from a majority of federal banking regulations, helping level the playing field with larger white-owned banks. He noted regulatory relief for black banks would be done to the extent the comptroller determines appropriate without endangering the safety and soundness of the overall banking system.

Plus, he said the legislation requires a study on the use of New Markets Tax Credits (NMTC) by black and community banks. The program could potentially bring new investment into black banks through tax credits. Cunningham said it would allow individual and corporate investors to receive a credit that reduces federal income tax owed. Investors make debt and equity investments in specialized financial intermediaries, including some black banks, called Community Development Financial Institutions (CDFIs) and Community Development Entities (CDEs).

According to Cunningham, for every $ 1 million invested, an investor gets a tax credit of 39 % or $ 390,000 over 7 years, in addition to keeping any returns generated by the original investment.

The tax credits, which are scarce and limited in amount, are distributed by the U.S. Treasury. He added black banks, CDFIs and CDEs have not been able to get these tax credits from Treasury, claiming they have gone instead mainly to white nonprofits and firms like Goldman Sachs.

Simultaneously, Cunningham says the bill could make black banks much more profitable by reducing compliance and operating costs as well as removing unneeded regulations.

He estimates that each black bank could increase in market value by 25% if the bill passes in its current form.

The post New Bill Could Help Black Banks Raise Capital, Cut Costs, and Attract Black Investors appeared first on Black Enterprise.

Money | Black Enterprise

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How to Raise Your Credit Score in 2019

Working at Experian and in banking, I have knowledge on how to raise your credit score in 2019. For instance, did you know you should have two credit cards maximum, for personal or business use? As always: pay your bills on time; keep long-line history. And two new credit programs can help you boost your credit score in 2019.

New Credit Program from Experian 

Experian recently announced Experian Boost, which will allow consumers to influence their credit scores by showing on-time payments for utilities, phones, and cable TV.

In order for the program to work for you, you have to give Experian permission to access your bank account information so that the agency can access your payment history. Once access is given, you can calculate your immediate score. Roughly 8 million people could potentially move into the fair (580-669) or good (670-739) credit ranges under the new system,” according to Experian. This credit boost can help with getting apartments, homes, insurance, and more.

UltraFICO Program 

Another new program is Ultra FICO. UltraFICO was created for people with dings on their credit histories. About 4 million consumers may see an increase of 20 points with the new program, according to representatives at FICO. The average card interest rate is currently at a record 17.41%, according to CreditCards.com. That’s up from 16.15% one year earlier and 15.22% two years ago. Credit card debt is now $ 1 trillion. In addition, tax liens have now been excluded from credit reports for a little time now.

In addition, remember:

  • Keep your credit utilization below 30%
  • Dispute inaccuracies on your credit report either online or by letters in the mail
  • Use 0% interest balance transfers to your advantage
  • Do not close long-standing credit card lines
  • Keep inquiries to a minimum

Black Enterprise Contributors Network 

The post How to Raise Your Credit Score in 2019 appeared first on Black Enterprise.

Money | Black Enterprise

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CEOs step up help for government workers, raise pressure on Washington to end impasse

Companies are stepping up their relief efforts for the 800,000 federal workers who have just marked a second missed paycheck as Washington's shutdown stalemate drags on.
Economy

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Raise a Glass! Harlem Haberdashery Owners Launch New Craft Spirits

The family behind Harlem Haberdashery, the legendary New York City boutique known for its custom designs and hip-hop collaborations, is helping you toast to the new year. In collaboration with AstraLuna Brands, they have launched HH Bespoke Spirits, starting with small-batch gin, vodka, and rum. The craft spirits are in beautifully designed bottles, of course.

“We customized out spirits to what our customers wanted,” says Harlem Haberdashery co-owner, Sharlene Wood. Take a look at the video for an in-depth view into the creation of Harlem-crafted spirits.

 

The post Raise a Glass! Harlem Haberdashery Owners Launch New Craft Spirits appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Why it’s likely the Fed will raise interest rates this week

The Federal Reserve will almost certainly raise interest rates on Wednesday despite pressure from President Trump not to do so. But what would happen if the Fed didn’t raise rates? The first thing would be that Trump would do one of those end-zone dances that I hate so much. (And if you think football players…
Business | New York Post

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‘Bond King’ Jeffrey Gundlach says the Fed shouldn’t raise interest rates this week

DoubleLine Capital founder and CEO Jeffrey Gundlach spoke with CNBC's Scott Wapner in Los Angeles on Monday.
Economy

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Gene variants raise risk of migraines in African-American children

Researchers have discovered common gene variants associated with migraines in African-American children. The research adds to knowledge of genetic influences on childhood migraine and may lead to future precision medicine treatments for African-American children with these intense headaches.
Child Development News — ScienceDaily

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