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COMMENTARY: Tis a Time for Political Change

NNPA NEWSWIRE — Although we have millions of dollars here in California allocated to the issue of homelessness, one unanswered question is how do we reduce or eliminate homelessness without addressing the issues of “rent control?”
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By Dr. John E. Warren, Publisher | San Diego Voice & Viewpoint Newspaper

Locally in the State of California, we have a first with an African American woman as the first female Mayor of the City of Los Angeles. The significance of this is not that she is a woman, but that she is qualified for the position.

A former member of the U.S. Congress and chairperson of The Congressional Black Caucus; former member of the California Legislature where she served as the first woman to ever become Speaker of the Assembly; and member of the Legislative Black Caucus in the Assembly with a string of achievements.

But perhaps the most important thing about the new Mayor, which represents a change, is her stated commitment to attack the problem of the 40,000 individuals in the City of Los Angeles who are homeless.

Although we have millions of dollars here in California allocated to the issue of homelessness, one unanswered question is how do we reduce or eliminate homelessness without addressing the issues of “rent control?”

The absence of rent control means that landlords can raise rents almost at will, force people out of their homes because they complain about the lack of repairs or other problems with their dwellings and not experience any real problems under the very laws that call such actions “Retaliatory Evictions.” In the City of San Diego, we added one new council member, with those running for office, re-elected. We also experienced redistricting, with changes in the areas now being represented by people re-elected to office.

We also have new mayors in the cities of Chula Vista and National City, California cities connecting with the City of San Diego. All of this represents elements of change and new opportunities for governance for those who see such possibilities. The question here is where do you stand? Do you see the opportunities? Are you concerned about the mounting problem of homelessness and making tough decisions beyond how much money is available to tackle the problem?

Let us hear from you on these issues and opportunities as we confront the changes before us.

The post COMMENTARY: Tis a Time for Political Change first appeared on BlackPressUSA.

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#NNPA BlackPress

How to Use Credit Wisely

(NewsUSA) – As the holiday season approaches, more people are out shopping, searching crowded stores and online promotions for the best discounts, and using their credit cards to pay for it all. But beware the financial dangers of credit use — how you pay for these deals could safeguard your budget or lead to debt. […]
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A CERTIFIED FINANCIAL PLANNER™ professional can help you guard against costly credit mistakes, paving the way for a financially sound festive season and beyond. Learn more about how to use credit in a way that works for you with the insights below.

Choose Your Credit Card Wisely

Whether you’re shopping for holiday gifts or purchasing necessities like groceries, the credit card you use can make a big difference. There are several factors to consider:

  • Interest Rates. Rates generally run from 21-33%. The standard bank card charges at the low end of the range, and retailer credit cards (those typically with the store’s name on them) charge as much as 33%.
  • Cash Back. Among the best deals are bank cards that offer cash back ranging from 1-4% of your purchase.
  • Rewards Points. Some cards have rewards programs where you earn points that you can redeem for products or services. They may seem attractive but are worthwhile only if you’re actually interested in the rewards offered.
  • Cash Discounts. While retailer credit cards have the highest rates, some offer big cash discounts at the point of purchase. That may be the only time they’re worth using.

Improving Your Credit Score

Boosting your credit score can help you qualify for the lowest available interest rates on auto loans, personal loans and mortgages. If you can, pay the full balance when your credit card bill arrives. But most importantly, never miss a payment. Paying on time not only avoids late fees, but also is a key factor in improving your credit score. The easy way to ensure timely payment is to set up automatic online payments.

A CFP® professional can help you develop other strategies to save money while improving your credit profile, including the following:

Establishing Credit

Lenders offer credit to people with a long and reliable credit history. Most young adults don’t have one. There are various ways to obtain credit, but steer clear of debit cards that claim they can help you build a credit history. When you consider the costs and requirements, they’re usually no bargain. You have better and cheaper options for establishing credit. Here are three of them:

  • Get a secured credit card.
  • If you have a student loan, make sure you’re up-to-date with payments.
  • If you pay rent, ask your landlord to report your on-time payments to the credit bureaus.

The choices we make in managing credit can have a lasting impact on our financial journey. As you navigate the complex credit landscape, remember that CFP® professionals can offer tailored guidance for your unique circumstances. Whether it’s identifying strategic debt payments, exploring balance transfer options or establishing credit responsibly, a CFP® professional can provide a roadmap for achieving your financial goals. Find a CFP® professional today.

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Acura ZDX Type S features

LA Auto Show was the venus for the Acura ZDX Type S details.
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LA Auto Show was the venus for the Acura ZDX Type S details.

The post Acura ZDX Type S features first appeared on BlackPressUSA.

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Subaru Forester exhibit LA Auto Show

LA Auto Show was the venue for the Subaru Forester. This was the most interesting display technologically.
The post Subaru Forester exhibit LA Auto Show first appeared on BlackPressUSA.

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LA Auto Show was the venue for the Subaru Forester. This was the most interesting display technologically.

The post Subaru Forester exhibit LA Auto Show first appeared on BlackPressUSA.

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