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Take Time Off This Summer, but Not from Your Finances

Summer is here, bringing all the fun that comes with months of warm weather and hours of daylight. As you plan your summer season itinerary, however, you might discover you’re juggling more expenses than just a trip to the beach.

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Knowing your savings timeline is key. Think about when you’ll need to start saving for summer costs and put aside extra money as early as possible if you have that option.
Knowing your savings timeline is key. Think about when you’ll need to start saving for summer costs and put aside extra money as early as possible if you have that option.

Summer is here, bringing all the fun that comes with months of warm weather and hours of daylight. As you plan your summer season itinerary, however, you might discover you’re juggling more expenses than just a trip to the beach.

For parents, there’s the cost of day camp or other childcare. At home, you might be cranking up the air conditioner more often. Even that short beach trip can be costly after paying for gas, food and maybe a souvenir.

Unexpected summer expenses can impact your budget if you’re not careful. Common summer-specific costs to be aware of as you make your budget include:

  1. Childcare and summer activities: Many parents have to make plans for their younger children when they’re out of school. Summer day camps are a great option, but they can be costly. If you prefer to hire a summer babysitter or nanny to care for your children in your home, the costs can be similar depending on how many hours the caregiver works and their hourly rates.
  2. Home maintenance: More time at home means more air conditioner use, which can drive up your utility bills. Your water bill might increase in order to care for your lawn and garden, which will need to be maintained more frequently. You may find more time in the summer for those home beautification projects on your list, but they come with a price.
  3. Travel: Most people will save in advance of a big trip, but it’s easy to get caught off guard by how much money you can spend at less costly local attractions as well. If you go to your county fair, prepare to shell out more than you might expect for a few rides and games. If you’re taking longer trips, the cost of transportation, lodging and multiple meals only add to your expenses. Even with the best advance planning, many people find they spend much more than they envisioned just doing things they enjoy.
Another expense easily forgotten in planning is clothing -either for growing children or another climate. Photo courtesy J.P. Morgan Chase & Co.

Another expense easily forgotten in planning is clothing -either for growing children or another climate. Photo courtesy J.P. Morgan Chase & Co.

You can make summer memorable with nearby day outings doing simple activities like kite-flying or just strolling and gathering shells and stones. Photo courtesy J.P. Morgan Chase & Co.

You can make summer memorable with nearby day outings doing simple activities like kite-flying or just strolling and gathering shells and stones. Photo courtesy J.P. Morgan Chase & Co.

Saving for summer

Knowing your savings timeline is key. Think about when you’ll need to start saving for summer costs and put aside extra money as early as possible if you have that option. Also consider making a special budget for summer that includes some of the expenses listed above that apply to your lifestyle. Some budget suggestions include:

  1. Figure out the largest costs of your summer trip first and decide your bucket list “must-haves.” What experiences are most important when you’re making your itinerary? Budget for airfare, hotel, food, and your dream excursions, and cut back on anything else that’s outside your budget.
  2. Check out freebies: Museums are often free on certain days in the summer. Plan a short day trip around those dates.
  3. Look for lower-priced or no-cost children’s daytime programs offered through local recreation centers, park districts, libraries, and school districts.
  4. Input summer-specific expenses in an online budget calculator. If you’re doing an annual budget already, make sure to add these additional, summer-specific expenses so you know what to expect when it’s time to pay.

Doing the planning ahead of time and knowing what costs you’ll face to adjust your budget accordingly can help you enjoy your summer plans without worrying about how you’ll afford them.

For more saving tips, visit chase.com/personal/financial-goals/budget

  • Sponsored by J.P. Morgan Chase & Co.

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COMMENTARY: The National Protest Must Be Accompanied with Our Votes

Just as Trump is gathering election data like having the FBI take all the election data in Georgia from the 2020 election, so must we organize in preparation for the coming primary season to have the right people on ballots in each Republican district, so that we can regain control of the House of Representatives and by doing so, restore the separation of powers and balance that our democracy is being deprived of.

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Dr. John E. Warren Publisher, San Diego Voice & Viewpoint
Dr. John E. Warren, Publisher San Diego Voice & Viewpoint Newspaper. File photo..

By  Dr. John E. Warren, Publisher San Diego Voice & Viewpoint Newspaper

As thousands of Americans march every week in cities across this great nation, it must be remembered that the protest without the vote is of no concern to Donald Trump and his administration.

In every city, there is a personal connection to the U.S. Congress. In too many cases, the member of Congress representing the people of that city and the congressional district in which it sits, is a Republican. It is the Republicans who are giving silent support to the destructive actions of those persons like the U.S. Attorney General, the Director of Homeland Security, and the National Intelligence Director, who are carrying out the revenge campaign of the President rather than upholding the oath of office each of them took “to Defend The Constitution of the United States.”

Just as Trump is gathering election data like having the FBI take all the election data in Georgia from the 2020 election, so must we organize in preparation for the coming primary season to have the right people on ballots in each Republican district, so that we can regain control of the House of Representatives and by doing so, restore the separation of powers and balance that our democracy is being deprived of.

In California, the primary comes in June 2026. The congressional races must be a priority just as much as the local election of people has been so important in keeping ICE from acquiring facilities to build more prisons around the country.

“We the People” are winning this battle, even though it might not look like it. Each of us must get involved now, right where we are.

In this Black History month, it is important to remember that all we have accomplished in this nation has been “in spite of” and not “because of.” Frederick Douglas said, “Power concedes nothing without a struggle.”

Today, the struggle is to maintain our very institutions and history. Our strength in this struggle rests in our “collectiveness.” Our newspapers and journalists are at the greatest risk. We must not personally add to the attack by ignoring those who have been our very foundation, our Black press.

Are you spending your dollars this Black History Month with those who salute and honor contributions by supporting those who tell our stories? Remember that silence is the same as consent and support for the opposition. Where do you stand and where will your dollars go?

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Activism

Congresswoman Simon Votes Against Department of Homeland Security, ICE Funding

“They need accountability. Republicans already gave these agencies an unprecedented $170 billion for immigration enforcement, funding they have used to conduct raids at schools, separate families, and deploy a masked paramilitary who refuse to identify themselves on American streets. This bill gives them more funding without a single reform to stop unconstitutional, immoral abuses,” she said.

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Congresswoman Lateefah Simon (D-CA-12). File photo.
Congresswoman Lateefah Simon (D-CA-12). File photo.

By Post Staff

Congresswoman Lateefah Simon (D-CA-12) released a statement after voting against legislation to fund the Department of Homeland Security (DHS), which supports Immigration and Customs Enforcement (ICE) and U.S. Customs and Border Protection (CPB).

“Today, I voted NO on legislation to fund the Department of Homeland Security through Feb. 13, 2026.

“ICE and CBP do not need more funding to terrorize communities or kill more people,” she said in the media release.

They need accountability. Republicans already gave these agencies an unprecedented $170 billion for immigration enforcement, funding they have used to conduct raids at schools, separate families, and deploy a masked paramilitary who refuse to identify themselves on American streets. This bill gives them more funding without a single reform to stop unconstitutional, immoral abuses,” she said.

“The American people are demanding change. Poll after poll of Americans’ opinions show overwhelming support for requiring ICE agents to wear body cameras and prohibiting them from hiding their faces during enforcement actions. This is the bare minimum transparency standard, and this funding legislation does not even meet this low bar,” Simon said.

“Republicans in Congress are not serious about reining in these lawless agencies. Their refusal to make meaningful changes to the DHS funding bill has consequences that go beyond immigration enforcement. TSA agents who keep our airports safe and FEMA workers who help our communities recover from disasters are stuck in limbo due to Republican inaction.

“The Constitution does not have an exception for immigrants. Every person on American soil has rights, and federal agencies must respect them. The East Bay has made clear at the Alameda County and city level that we will hold the line against a violent ICE force and support our immigrant communities – I will continue to hold the line and our values with my votes in Congress.”

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Activism

Post Newspaper Invites NNPA to Join Nationwide Probate Reform Initiative

The Post’s Probate Reform Group meets the first Thursday of every month via Zoom and invites the public to attend.  The Post is making the initiative national and will submit information from its monthly meeting to the NNPA to educate, advocate, and inform its readers.

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iStock.
iStock.

By Tanya Dennis

The National Newspaper Publishers Association (NNPA) represents the Black press with over 200 newspapers nationwide.

Last night the Post announced that it is actively recruiting the Black press to inform the public that there is a probate “five-alarm fire” occurring in Black communities and invited every Black newspaper starting from the Birmingham Times in Alabama to the Milwaukee Times Weekly in Wisconsin, to join the Post in our “Year of Action” for probate reform.

The Post’s Probate Reform Group meets the first Thursday of every month via Zoom and invites the public to attend.  The Post is making the initiative national and will submit information from its monthly meeting to the NNPA to educate, advocate, and inform its readers.

Reporter Tanya Dennis says, “The adage that ‘When America catches a cold, Black folks catch the flu” is too true in practice; that’s why we’re engaging the Black Press to not only warn, but educate the Black community regarding the criminal actions we see in probate court: Thousands are losing generational wealth to strangers. It’s a travesty that happens daily.”

Venus Gist, a co-host of the reform group, states, “ Unfortunately, people are their own worst enemy when it comes to speaking with loved ones regarding their demise. It’s an uncomfortable subject that most avoid, but they do so at their peril. The courts rely on dissention between family members, so I encourage not only a will and trust [be created] but also videotape the reading of your documents so you can show you’re of sound mind.”

In better times, drafting a will was enough; then a trust was an added requirement to ‘iron-clad’ documents and to assure easy transference of wealth.

No longer.

As the courts became underfunded in the last 20 years, predatory behavior emerged to the extent that criminality is now occurring at alarming rates with no oversight, with courts isolating the conserved, and, I’ve  heard, many times killing conservatees for profit. Plundering the assets of estates until beneficiaries are penniless is also common.”

Post Newspaper Publisher Paul Cobb says, “The simple solution is to avoid probate at all costs.  If beneficiaries can’t agree, hire a private mediator and attorney to work things out.  The moment you walk into court, you are vulnerable to the whims of the court.  Your will and trust mean nothing.”

Zakiya Jendayi, a co-host of the Probate Reform Group and a victim herself, says, “In my case, the will and trust were clear that I am the beneficiary of the estate, but the opposing attorney said I used undue influence to make myself beneficiary. He said that without proof, and the judge upheld the attorney’s baseless assertion.  In court, the will and trust is easily discounted.”

The Black press reaches out to 47 million Black Americans with one voice.  The power of the press has never been so important as it is now in this national movement to save Black generational wealth from predatory attorneys, guardians and judges.

The next probate reform meeting is on March 5, from 7 – 9 p.m. PST.  Zoom Details:
Meeting ID: 825 0367 1750
Passcode: 475480

All are welcome.

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Dr. John E. Warren Publisher, San Diego Voice & Viewpoint
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