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WWW.STREETHYPENEWSPAPER.COM FEB 19-28, 2018 • STREET HYPE NEWSPAPER • 3
EDITORIAL
Don’t forget your culture
A s a people, we often over-
look our past. But in the
words of Marcus Mosiah Gar-
being ignored or misrepre-
sented among scholars.
He noted that
sands of artifacts and publica-
tions.
Woodson’s en-
youths are not benefitting from
the social benefits of the
African American culture.
vey, “A people without the African- hanced his cam- Black History month should
knowledge of their history, ori- American paigned in focus on children and youth -- FLORIDA HOMES
gin, and culture is like a tree contribu- 1926 and pio- using culture to help them de-
without roots.” tions "were neered the cel- velop their critical thinking & CONDO’S
The month of February was overlooked, ebration of skills, builds self-esteem, and Call About Our Fly & Buy Program
packed with several entertain- ignored, and "Negro His- improves resilience, all of
• No Credit, Bad Credit, No Problem
ment and educational activities even sup- tory Week." which enhance educational
celebrating Black History pressed by the However, it was outcomes. Starting Price:
Month, despite strong objec- writers of his- the Black United Several studies have re-
tives from opponents who con-
tinue to argue that it is a waste
tory textbooks
and the teachers
Students and black
educators at Kent State
vealed that students from low-
income families who take part
$74,900
of time and an insult to African who use them." University who founded in cultural activities at school Florida AAA Action Realty Inc.
516-775-8700
American communities. Woodson re- Black History Month on are three times more likely to
However, we would like to alized the need Feb. 1, 1970. The educa- get a degree than those who do
put forward a few ideas in sup- for research tor was also very active not.
port of February as Black His- into the neg- in the Marcus Garvey Culture is also a means of
tory Month. These points focus lected past of “Black empowerment expressing creativity, forging
on the preservation of African
American culture.
African Ameri-
cans and devoted
movement” and became a
regular columnist for Gar-
an individual identity, and en-
hancing or preserving a com-
Express
As advocated by the “father
of black history,” Carter G.
the rest of his life to
historical study.
vey's “Negro World” weekly
publication.
munity’s sense of place.
yourself in
Street Hype
Woodson, the role of our peo- During that pe- Ninety-two years later, there
ple in American history and the riod, he accumu- have been significant progress
Patrick Maitland
history of other cultures was lated a collection of t h o u - and awareness, but Black patrick@streethype.net
editor@streethypenewspaper.com
The opinions expressed in this newspaper, except for the above, do not necessarily reflect the views of Street Hype Newspaper and its publishers. Please send
your comments and or suggestions to editor@streethypenewspaper.com. Responses should be no longer than 400 words. Not all articles will be published.
www.streethypenewspaper.com
NEWS
Honoring 'black
Panther' Director:
C ouncil Member Jumaane D. Williams recently pre-
sented Ryan Coogler, the writer and director of
Black Panther and Creed, among other films, with an
NYC Council Proclamation, recognizing the contribu-
tions that the young artist has made to cinema, and in
particular, the way in which his films have celebrated
Black culture.
‘'Black Panther' has already shattered several box
office records, earning $242 million dollars in its open-
ing weekend and taking the nation, and the world by
storm. But last week, at a preview screening, Council
Member Williams recognized its creator for the other
ways that the film, and its writer/director, have made
history.
"It is of vital importance to celebrate heroes of
color, to create role models in the super hero universe
and to unabashedly celebrate Black culture in a block-
buster motion picture. Children, and people of all ages,
all over the world, are looking to Black Panther as an
icon, and in bringing this story to life on such a grand
stage, Ryan Coogler has inspired millions. Amid com-
mercial success, he continues to uphold his artistic vi-
sion and his passion for storytelling."
As a former film student and actor, Council Mem-
ber Williams deeply appreciates the work of Coogler
and other artists like him, redefining the cinema land-
scape for actors of more color, and eagerly looks for-
ward to Coogler's future work.
——————————————————————
Council Member Jumaane D. Williams (r) presents
Ryan Coogler, the writer and director of Black Pan-
ther and Creed, among other films, with an NYC
Council Proclamation, recognizing his contributions
to Black culture. .
NEWS
Former FBI agent wants to be Jamaican Police Chief
By Patrick Maitland “I would the review and improve re- and violence and criminals, he was always
Street Hype Editor cruitment process of requirements and en- encouraged to strive for success.
Jamaican Tourism Minister Edmund Bartlett (r) presents the Pinnacle Literacy Award to
Jamaican-born Novelist Marlon James at the American Foundation for The University of
the West Indies’ Twenty-First Annual Awards Gala held in New York City on February 22.
New York’s
Also in photo (3rd l) Jamaica’s Director of Tourism Donovan White.
—Photo credit Margot Jordan Caribbean Voice!
Jamaican Novelist Gets
Pinnacle Literacy Award New Avails spots for 2018
Book your program or commercials today
W riter in Residence and Associate Pro-
fessor of English at Macalester Col-
tion, the 2015 Man Booker Prize, for his
novel, “A Brief History of Seven Killings.”
lege in St. Paul, Minnesota, Marlon James
received the Pelican Award at the American
Other Pelican Awardees included
Patrick Hylton, Angela Yee, Yvette Noel- ... call or David
Foundation for The University of the West Schure and June Ambrose.
Indies’ twenty-first awards gala held at The All proceeds from this event will ben- Whitney Media
Pierre Hotel, New York City on February efit students at The University of the West
1 Broadcast Forum, New Rochelle, NY 10801
22. Indies who are in dire need of financial as-
James is also the first Jamaican to win sistance. 914-636-1460 • david@wvox.com
the UK’s most prestigious literary recogni-
6 • STREET HYPE NEWSPAPER • FEB 19-28, 2018 WWW.STREETHYPENEWSPAPER.COM
CARIBBEAN NEWS
US and Canada update
Trinidad and Tobago
travel advisories
PORT OF SPAIN, Trinidad:
LEGAL AFFAIRS
New Yorkers Need a Dream Act:
LEGAL NEWS
Graft Trial Judge Over 470,000 in NYC Could Benefit
Discloses Clerk's Jury The Mayor’s of New York City office recently would protect young immigrants, including
Room Cookie Raid released a new analysis on the tremendous DACA recipients, from deportation and codify
The trial of a former top aide to New York benefit the DREAM Act (S. 1615) could have in law that Dreamers are Americans. The bill
for New Yorkers, showing that 150,000 resi- would allow Dreamers to apply for legal sta-
Democratic Gov. Andrew Cuomo accused
dents would immediately benefit, or be eligi- tus, work authorization, and eventually a path
of bribery was marked on Friday by the
ble to directly benefit, from the DREAM Act. to citizenship.
judge's disclosure that her law clerk,
In total, 470,000 residents could benefit The City’s latest analysis shows that
while snooping in the jury room in search from the legislation when accounting for city 470,000 New Yorkers could directly or indi-
of leftover cookies on Thursday evening, residents who could indirectly benefit – the rectly benefit from the DREAM Act. 150,000
saw a juror reading legal instructions after 320,000 family members and others who live Dreamers would be eligible for legal status
deliberations had ended. with these 150,000 Dreamers. Studies have and work authorization, leading to decreased
shown that gaining legal status allows immi- anxiety about deportation and higher wages,
Skelos, Son Seek To Dismiss grants to earn higher wages, contributing to improving the lives of the 320,000 family
Case Citing McDonnell greater economic stabilization of NYC house- members and others they live with. One recent
holds. survey of DACA recipients, 30,000 of whom
Former New York State Senate leader
The City has found that 88,000 U.S. citi- live in the five boroughs, found that their pre-
Dean Skelos and his son, Adam, who last
zen children live with a Dreamer, showing DACA average annual earnings of $20,068
year convinced an appeals court to over-
how much as it stake for mixed-status families rose to $36,232 as of about five years after
turn their corruption convictions, urged a in NYC. Despite a recent court decision forc- DACA began. DACA recipients strengthen
Manhattan federal judge Thursday to dis- ing the federal government to begin accepting New York City’s economy and enrich local
miss the case, saying that the U.S. Bill de Blasio
DACA renewal applications for some, the Mayor New York City communities every day, meaning all New
Supreme Court’s ruling in McDonnell v. need to pass a legislative solution is as urgent Yorkers have a stake in its success. Specifi-
U.S. requires it. as ever. In September 2017, the Trump Adminis- cally, under the bill: 470,000 New Yorkers
“It’s past time Congress recognize what tration announced that they would terminate could directly or indirectly benefit under the
NFL, Class Attys Hash Out New York City always has: Dreamers are DACA, or the Deferred Action for Childhood DREAM Act.
Americans,” said Mayor Bill de Blasio. Arrivals program. Since, Dreamers and their Dreamers are deeply embedded through-
Concussion Deal's Pros & Cons allies have demanded that Congress pass a
“470,000 New Yorkers could benefit from the out the five boroughs, with: 29,000 in the
Lawyers on both sides of the NFL concus- legislative solution that would allow Dream-
DREAM Act. Even more of us will keep Bronx; 46,000 in Brooklyn; 18,000 in Man-
sion case on Friday defended U.S. District fighting together until Washington upholds its ers – undocumented youth who came to the hattan; 55,000 in Queens; and 4,000 in Staten
Judge Anita Brody’s handling of the case commitment to Dreamers.” United States as children – to retain their work Island.
as a class action moving it toward an un- “We need Congress to act or more authorization, protection from deportation, In 2017, Dreamers contributed $4.7 bil-
capped settlement, saying they believed it Dreamers will suffer,” said Bitta Mostofi, Act- and even to chart out a pathway to citizenship. lion in City GDP for New York City, and
was the most reasonable option despite ing Commissioner of the Mayor’s Office of The latest bipartisan DREAM Act (S. 1615) Dreamers earn $2 billion every year.
vociferous objections to the deal. Immigrant Affairs. “Dreamers add billions to
our city’s GDP every year, and the DREAM
Boutique Hotel Groups Hit Act would economically empower and
With ADA Class Actions strengthen immigrant families. Tens of thou-
sands of children go to sleep at night worried
Three boutique hotel groups with proper-
about their Dreamer family members, and we
ties in New York City have websites that have legislation that would ease that burden.
don’t comply with the Americans with All Congress has to do is pass it.”
Disabilities Act, a legally blind man said “The Dreamers who live here are New
in putative class actions filed in New York Yorkers: our family members, friends, neigh-
federal court Friday. bors and U.S. residents since their childhood,”
said Matthew Klein, Executive Director of the
Real Estate Rumors: Mayor’s Office for Economic Opportunity.
Scotiabank, Trump Tower, “It’s past time that Congress act to ensure
Dreamers enjoy the opportunity to live free
Miami Mansion from fear, achieve their full potential, and con-
Scotiabank is said to be subleasing tinue to contribute to our city and to our coun-
roughly 50,000 square feet in New York, try.”
a condo at Trump International Hotel &
Tower in Chicago has reportedly sold for
$9.4 million, and a Miami mansion is said
to have sold for $19.75 million, the most
paid for a Miami-Dade County residential
property so far in 2018.
S
SPPO
ORRT
TSS
Jamaican bobsleigh athlete
returns adverse drug finding
By Kayon Raynor/radiojamaica.com by the International Bobsleigh and Skeleton
2019 Relays will be April 25-27. The Re- T he former Los Angeles Lakers star
won an Oscar in the animated short
lays are always the last Saturday in April
and the two days preceding. It is NOT al- new CONCACAF system category for "Dear Basketball," a poem he
wrote after ending his 20-year career on
ways the last full weekend. MIAMI, Florida: results of all official and friendly matches the court in 2016. He'll add it to an already
ENTERTAINMENT
Jay-Z tops Forbes list
as wealthiest hip-hop
D iddy held the crown for the wealthiest
hip-hop act in 2017, but that reign has
since ended as Forbes released its latest
Hip-Hop Wealthiest Acts of 2018 list with
a new mogul notching the number one spot:
Jay-Z.
This is Jay-Z's first time topping the
list.
The mogul raked in $900 million in the
last year, a huge bump from the $810 mil-
lion he made the year prior that earned him
the number two spot on Forbes' 2017 list.
Jay-Z's net worth increase is due to his
many business endeavors including his
label Roc Nation, streaming service Tidal,
ventures with spirits brands among others.
Diddy trails behind him with $825 mil-
lion, thanks to his growing Tequila brand,
his partnership with beverage company
Monty
Diago, Revolt TV, and his lucrative Ciroc Alexander
vodka line.
Dr. Dre bows at number three, pulling
$770 million.
Jazz Great Monty Alexander
Drake and Eminem tied at number five
with $100 million. Jay-Z
For ‘Carnaval On The Mile’
CaribPR Wire: features and the collectors it draws.
Ed Sheeran J amaica’s jazz great and Grammy nomi-
nated musical maestro, Monty Alexander,
Alexander is a Jamaican and an Ameri-
can classic. Since moving to the US 55 years
is among a hand-picked group of musicians ago, he has continued to tour the world re-
named world's set to celebrate the twentieth edition of ‘Car-
naval on the Mile,’ in Miami in Coral Gables,
lentlessly with various projects, delighting a
global audience drawn to his vibrant person-
best-selling Florida this weekend.
Alexander will perform at the remodeled
ality and soulful message. Like his “eternal
inspiration,” Erroll Garner, Alexander - listed
Miracle event, that will also feature musi- at Number 5 in ‘The Fifty Greatest Jazz
artist of 2017 cians like Ozomatli, Negroni’s Trio, Shamarr
Allen & the Underdawgs and Dr. Ed Calle.
Piano Players of All Time,’ gives the hard-
core-jazz-obsessed much to dig into while
NAKETAJACKSON
Artist/Singer • Song Writer
Actress • MC/Host For information
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Creative and Talented
1-646-687-5327
For booking and interviews: Bookings@ladypeacemn.com
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10 • STREET HYPE NEWSPAPER • FEB 19-28, 2018 WWW.STREETHYPENEWSPAPER.COM
Love & Hip Hop TV star, rapper and Blue & Bougie Impact Award recipient Safaree (top left) flanked by Sonia
Harvey, mother of Prime Minister of Jamaica, Andrew Holness; media specialist Anthony Turner; Kerieth Mair,
Blue & Bougie executive and David Warren, WB Radio and in forefront Blue & Bougie executive Jerry McDonald
at the Mingles Night Club held recently in the Bronx.
Suzette Williams CEO of D and L House of Natural Hair Care and philanthropist Suzette Williams (l) accepts a
special award from media specialist and Blue & Bougie executive Anthony Turner. Other award recipients were
veteran Jamaican DJ Bounty Killer; reggae icon and performing arts director Nadine Sutherland; TV sensation
and recording artist Safaree and New York's reggae mix master DJ Norie.
TAX GUIDE
Commonly overlooked credits and deductions
(FAMILY FEATURES) equipment, which means they 5. Wedding Bells typically want it as soon as possi-
ith tax season in full swing, take time to consider how to qualify for a possible deduction. If you were married in a church or ble, but that isn’t always an op-
W get the most out of your tax return, which includes finding
all the credits and deductions available to you. While many tax- 4. Career Corner
at a historical site during the past
year, you may be able to deduct
tion, especially if you are one of
the millions of Americans who
payers claim common deductions, such as home mortgage inter- Job hunting often means investing fees paid to the venue as a chari- claim either the Earned Income
est and self-employment expenses, there are additional tax both time and money. However, table donation. Tax Credit or Additional Child
deductions that can lessen your final tax bill or increase your re- you may be able to deduct some Tax Credit. You could access up to
fund. of the job-search expenses you 6. Medical Fitness $3,200 with a no-fee Refund Ad-
incur. Costs such as preparing re- While general toning and fitness vance loan at zero percent annual
sumes, creating and maintaining workouts to improve general percentage rate (APR), offered by
Some tax deductions that
health are considered personal ex- MetaBank, at participating Jack-
allow you to reduce your taxable
penses, you may be able to deduct son Hewitt locations. Terms apply,
income include:
your gym membership as a med- visit JacksonHewitt.com for de-
ical expense. If a doctor diagnoses tails.
1. Moving Expenses
you with a specific medical con-
If you moved for a job that is at
dition, such as obesity or hyper- Did You Know?
least 50 miles away from your
tension, or a specific physical or 1. The IRS, as well as many states,
home and held this job for at least
mental illness, and prescribes allows taxpayers to catch up on
39 weeks, you can claim your
workouts or participation in a missed credits or deductions, of-
moving expenses even if you
weight-loss program to treat your fering a three-year window for fil-
don’t itemize deductions.
illness, the membership dues may ing an amended tax return. You
be tax-deductible. can secure unclaimed credits and
2. Tax-Preparation Fees
deductions by filing amended tax
Plan for tax time. Tax laws change
7. Road Warriors returns to avoid losing any un-
and so do life circumstances.
If you travel for business and claimed funds from as far back as
Using a professional to help you
aren’t reimbursed by your em- 2014.
file your return may be a wise in-
ployer, those costs can qualify as
vestment. For example, the tax
a deduction. 2. With locations across the
pros at Jackson Hewitt can help
Every possible tax credit and United States, including kiosks in
you get every deduction and credit
deduction can help when money is 3,000 Walmart stores, the tax pro-
you deserve and the biggest re-
tight. You might qualify for at fessionals at Jackson Hewitt make
fund possible. Plus, the cost of
least one overlooked credit or de- it easy to stop in when it’s most
preparing your taxes can be
duction – and maybe more than convenient for you.
claimed if you itemize your de-
one. Consult a tax professional to
ductions. In fact, one missed
discuss how you can maximize 3. If you are a single parent, you
credit or deduction could more
your refund and learn more at can file as Head of Household in-
than cover the cost of having your Photo courtesy of Getty Images JacksonHewitt.com. stead of Single. This filing status
taxes prepared by a tax profes-
websites, business cards, agency can provide better deduction op-
sional. 3. New Moms
fees and travel expenses may be Refund Advance tions and a lower tax rate sched-
Breast pumps and lactation sup-
eligible. If you’re getting a refund, you ule.
plies are considered medical
16 • STREET HYPE NEWSPAPER • FEB 19-28, 2018 WWW.STREETHYPENEWSPAPER.COM
WE GET
RESULTS
Place your
advert on this page
914-663-4973
WWW.STREETHYPENEWSPAPER.COM FEB 19-28, 2018 • STREET HYPE NEWSPAPER • 17
NEW JERSEY
City Councilman Jackson
license suspended 32 times
PATERSON: Officials at the New Jersey Motor
Vehicle Commission said Jackson’s li-
C ity Councilman and mayoral can-
didate Michael Jackson was issued
a summons for driving while his license
cense has been suspended 32 times over
the years, including three instances
since November 2015, which is when
was suspended last month, the second he was elected to Paterson’s city coun-
time he has received such a ticket since cil.
July, according to police reports. Jackson’s license has been restored,
Both summonses were issued dur- Motor Vehicle Commission officials
ing motor vehicle incidents in Paterson. said on Friday. Officials said he paid a
Jackson received one suspended license $100 restoration fee as well as whatever
ticket from a Paterson police officer surcharges he owed.
after the councilman was in a collision . The councilman on Friday objected
on Spruce Street in July 2017 and he to news media interest in his driving
got the most recent summons on Jan. 29 record, saying that “positive” events he
Students get from a Passaic County Sheriff’s officer
on Grand Street.
sponsored, like a bicycle safety ride and
holiday turkey distribution, did not get
free books Michael Jackson
City Councilman
covered. “I can’t say I’m disappointed.
ERSEY CITY:
Dear Anonymous:
His mother should be ashamed of herself.
According to Judge Judith Champagne of
the California Superior Court, the name for
what you have described is "immigration
fraud, and it is a felony that could, indeed,
bring jail time."
Please warn him that the feds are onto these
kinds of shenanigans. "Couples who pre-
tend to be married are called in for an inter-
view and questioned separately about
minute details that cannot be faked. Being
convicted of a felony could ruin this young
man's future, so I strongly advise against
taking such a foolish risk."
Insecure people are usually the most
judgmental. Some are not secure with them-
selves or think they are above others due to
their position. They usually frown down
upon other who are either different or don’t
follow in their footsteps. The following ar-
ticle is about couple dealing the judgmental
attitude of their brother-in-law and his wife.
Read below for more information and my
advice
TECHNOLOGY
Monthly PC Maintenance Checklist
to Keep Your Computer Happy
L ike your car, performing reg-
ularly scheduled maintenance
on your computer will help keep
Uninstall Unused Programs – If
you have the tendency to install a
lot of programs then review the
it running smoother. list of the ones that you currently
Here’s a monthly PC mainte- installed & remove any that you
nance checklist that you can use as don’t need.
a guideline to maintain your com-
puter both inside and out. Clear Out the Dust Bunnies –
Dust can clog your system fans,
Run Disk Cleanup–Running lead to overheating issues and
disk cleanup will remove tempo- even cause hardware failure if it’s
rary files, compressed old files, allowed to get too out of hand. If
offline web pages, downloaded you have the technical know-how,
file programs and empty the recy- carefully open up your computer
cle bin. You can run Disk Cleanup and use a can of compressed air to
utility tool by going to Start -> All remove any dust bunnies that have
Programs -> Accessories -> Sys- Do a Full-System Antivirus ones you do so they are easily ac- collected.
tem Tools -> Disk Cleanup. Scan –Double-check that your an- cessible for later use. Don’t skip on monthly PC
tivirus program is up-to-date with maintenance!
Update Windows–Microsoft
the latest virus definitions and per-
releases system security patches
form a full-system scan to verify
on Patch Tuesday, which is the
that your system is still clear of
second Tuesday of each month. If
any Trojans, viruses, or other mal-
you haven’t already done it, be
ware.
sure that you take a moment to run
Windows update and install the Complete Data Backup –
patches. To run Windows Up- You should be backing up your
dates, go to Start ->All Programs files on a weekly basis, but in the
-> Windows Update. event that you’ve been slacking
off, be sure to do a full system
Update Installed Software –
backup on a monthly basis. That
In addition to updating Windows,
way you can pick up right where
you will also want to make sure
you left off if anything were to
that the third-party software in-
happen.
stalled on your PC is also current.
This especially rings true for Delete & Organize Files –
Adobe Reader, Flash and Java Chances are you’ve created or
since they are often exploited in added plenty of files throughout
cyber-attacks. So make sure they the month, so it wouldn’t hurt to
are all up-to-date with the latest go through your files and clean
security fixes. them up a bit. Remove any files
you don’t need and organize the
20 • STREET HYPE NEWSPAPER • FEB 19-28, 2018 WWW.STREETHYPENEWSPAPER.COM
About Hypertension
a) Chest Pain similar to....Pressure, Fullness,
Squeezing, or pain in the center of the chest.
b) Having pain or feeling discomfort in the
right arm, left Arm, or both arms. Pain in
your back, neck, stomach or the jaw. c) We
can experience shortness of breath, with
chest discomfort or even without chest dis-
H ypertension also called high blood
pressure, is when the systolic pressure
(top number of the blood pressure) is con-
comfort. d) If not normal for you the expe- sistently over 140 mmHg or the diastolic
rience of cold sweats, nausea, and being pressure (bottom number of the blood pres-
lightheaded. sure) is consistently over 90 mmHg.
Ideal blood pressure is less than 120
4) When can heart attacks occur? systolic and less than 80 diastolic. Hyper-
a) The majority of Heart attacks occur, be-
tension is common.
lieve it or not for many women before age
50. Know that at a young age heart attacks
BY ANGELA DARLING Hypertension has few symptoms.
Advocate, Health Educator, Humanitarian are more fatal. b) The average age is usually
There may be occasional headaches. If hy-
at age 70.
pertension is severe there may be vision
changes, vomiting and chest pains. Complications
F ebruary is Heart Health Month! Let's
look at the 5W's of Heart attacks in
women because for women it is usually not
5) Where do heart attacks occur?
a) There is no specific location. An attack
Causes
can happen at any time and anywhere. b) Re-
straightforward! searchers say heart attacks are more likely to Essential hypertension comprises 95% of
occur on Mondays, Why? for that's right all hypertension and has no identifiable
1) Who is at Risk? Heart Disease is the #1 after the weekend. c) During the morning cause. It may have genetic and environ-
cause of death for women and men in the hours. d) In your bed...waking up in the mental factors such as salt intake.
United States. Approximately 1 in every four morning or on going to bed at night. e) At Secondary hypertension is hyperten-
women dies from a heart attack. sports events...Getting excited during a game sion causes by another disorder such as a
or watching a game at home...heart rate and kidney disease.
2) Why do Heart attacks happen? pulse increasing. f) In public areas, ie, On the
Causes are related to: bus or train, at a shopping mall, restaurant,
a) Being obese/overweight. b) Being Dia- etc.
betic. c) Too many alcoholic drinks. Please Our bodies talk to us. At the slightest Treatment
do not have 2 or more alcoholic beverages change get to your MD ASAP! If feeling
daily. d) High blood pressure which can also that you have a heart attack chew an aspirin
lead to strokes.. e)High Cholesterol levels regardless if a baby aspirin or adult aspirin
which can also lead to strokes. f) Not eating while ambulance on the way. Every minute
healthy....too much fat, sugar, starch, etc., g) counts!
Smoking...Please eliminate this habit. You Take Care Of You, For You Are #1!
Advertise
for less
914-663-4973
WWW.STREETHYPENEWSPAPER.COM FEB 19-28, 2018 • STREET HYPE NEWSPAPER • 21
BUSINESS HYPE
Highlighting the opportunities and challenges of local business
Resolve to Improve Your Financial Life
Tips to take control of your money in 2018
(Family Features) of what your typical spending looks
C ounting calories isn’t the only way you can resolve to bring about
positive change in your life during the new year. If you’re like
many Americans, it may be a good time to start counting your way to-
like.
Savings: An effective budget
doesn’t just capture what’s going
ward better financial health. out; it also reflects what you’re able
to keep. If you haven’t already, out-
The past year brought financial on your recurring bills. Make a
line a savings plan that allows for an
setbacks to nearly two-thirds of game out of shopping providers to
emergency fund, regular savings,
United States households, accord- find the best value on your insur-
retirement and investments.
ing to a survey by the National En- ance policies, cell phone plan, inter-
Debt: Consistently paying
dowment for Financial Education net and utilities. Ask your providers
down the accounts you owe with
(NEFE). In fact, more than a quarter about current rates and any promo-
the maximum amount you can af-
of U.S. adults say the current qual- tions available to long-time, loyal
ford is the surest way to reduce your
ity of their financial lives are worse customers. Then look at alternative
debt load. Account for each debt
than they hoped. Topping the list of providers to determine where you
you owe in your budget, and estab-
setbacks in 2017 were transporta- can trim some spending. Be sure to
lish a payment plan that shows how
tion issues (23 percent), housing re- understand your current offering
much you can allocate to each ac-
pairs or maintenance (20 percent), thoroughly so that you are compar-
count each month.
and the inability to keep up with ing apples to apples.
-Photo courtesy of Getty Images
debt and falling behind on bill pay- 4. Understand what’s behind
ments (16 percent). your financial decisions. If you
In an effort to reverse that ever wonder why you feel good
trend, more than two-thirds of U.S. about spending money on vacations
adults will make financial New but avoid saving for retirement, the
Don’t Fall Victim to Financial
Year’s resolutions for 2018, accord- answer may lie in your unique val-
ing to the survey. Among those that ues and how they influence your fi-
Distress Caused by Credit Card Debt
plan to step up their financial game, nancial decision-making. Consider
top goals include setting and fol- taking the LifeValues Quiz at Credit counseling is the easiest, most effective way to
lowing a budget (40 percent), mak- smartaboutmoney.org, where you
ing a plan to get out of debt (39 can also find help with setting goals explore the options for credit card debt and identify
percent), establishing savings (32 and getting your finances in order.
percent) and boosting retirement the best solution for your needs.
savings (31 percent). Budget Better
“We continue to see a lot of To take control of your money
anxiety about money,” said Ted and your financial life, it’s impor- HIGH MONTHLY CREDIT credit counselor at no charge to
Beck, president and CEO of NEFE. tant to get organized. The most ef- CARD PAYMENTS combined analyze your debt and budget.
“Three-quarters of Americans said fective tool is a budget. Creating a with even higher interest rates They will review your options to
something causes them financial budget can help you meet personal can make it almost impossible see what solutions may work best
stress, and it’s most often not saving goals such as buying a house or car, to maintain control over your for you. Your credit counselor
enough and debt that are to blame.” or taking a vacation. It also can help credit card debt. Even with your may be able to lower high interest
Reduce money stress and take you prepare for emergencies and monthly payments you may not rates or even eliminate them
control of your finances with these manage debt. see much of a reduction in debt while consolidating your credit
tips for financial success from the Income: Start by listing all in- no matter what you do. card debts into one easy payment
experts at NEFE: come sources, including wages, through a debt management work your way through the pro-
1. Get debt under control. bonuses and tips, as well as non- program. gram, you’re able to build a posi-
Take a hard look at what you owe. employer income such as child sup- tive credit history while reducing
If there’s a clear warning sign of too port, alimony or Social Security. Get Out of Debt Faster your overall debt level. As a result,
much debt, take action. Set a goal to Generally, you’ll want to look at As a result of those lower inter- some people see their credit score
reduce your debt load next year by your recurring income, but also in- est rates – more of your monthly even increase over the course of
5-10 percent. That might mean re- clude long-range, infrequent in- payments go toward your debt their time with a credit counsel-
ducing impulse shopping. When come that you anticipate, such as instead of adding more interest ing service.
you face temptation, delay the pur- tax refunds. – which means you can get out
chase and give yourself time to con- Expenses: Next, take into ac- What’s more, as your credit card of debt faster. Every financial
sider whether it’s a wise move that count all of your recurring monthly balances increase, it can also situation is different, but most It’s the fastest and easiest
fits within your budget. bills. If you have major periodic ex- cause problems for your bud- people see their total monthly way to get professional
2. Save now and do so often. penses, such as a six-month auto in- get – you end up juggling bills, debt payments reduced by up financial advice without
Preparing for unexpected events surance premium, account for it in choosing between expenses, and to 30 to 50 percent as they get
out of debt faster. The program adding more debt to do so.
like medical emergencies can help monthly increments so you can save putting off important purchas-
reduce the financial impact of a life- up and have the money ready when es. Luckily, there’s a way you can is usually completed in around
changing event. Emergency savings the payment comes due. Remember find the solution that works for 40-60 payments, so you can be FREEDOM FROM DEBT IS
can offset unexpected costs and to account for the bills you pay your unique financial situation debt-free in just a few years in- POSSIBLE! Don’t spend anoth-
help you get back on solid footing. (mortgage or rent, utilities, etc.), as – and even better, it won’t cost a stead of taking decades to elim- er sleepless night worrying about
A good rule of thumb is to have 6-9 well as unspecified items like lawn thing to get the information you inate everything you owe. your debt problems, or another
months of income set aside. If that maintenance and personal hygiene need. Build a Positive Credit History day stressed about your bills in-
feels out of reach, start with a purchases. Additionally, consolidating stead of focused on your family
smaller goal, even as little as $500. Categorize Spending: Some CREDIT COUNSELING IS THE debtthrough a certified credit and life.
When it comes to saving, it’s also a people find it helpful to break ex- EASIEST, MOST EFFECTIVE counseling service may help save
smart idea to think long term. Re- penses into categories, such as WAY TO EXPLORE THE your credit score from additional Call Consolidated Credit
OPTIONS FOR CREDIT CARD damage. You stop future penalties now at
view your long-term savings and housing, transportation, health, per-
ensure they are on target for your sonal, entertainment and so on. The DEBT AND IDENTIFY THE and prevent further damage from 1-800-721-4370
retirement plans. key is to capture every point where BEST SOLUTION FOR YOUR missed payments and overdrawn to speak with a certified credit counselor
NEEDS. Speak with a certified today.
3. Shop for better services. money is going out so you can get a credit lines. Even better, as you
You may be surprised by how much thorough picture of your ongoing
(Fees may apply for voluntary participation in debt management - all
you can save when you periodically expenditures. It can take a couple
counseling services are free.)
shop for the most competitive rates months to get a true understanding
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