Com m unity Harlem News “Good News You Can Use” Vol. 12 No. 44 November 1 - November 2, 2012 FREE The Harle m Ne ws Group, Inc . Co nne c ting Harlem, Que e ns, Broo klyn and The South Bronx Inside RUTH CLARKE - WE SALUTE YO U page 12 FREDERICK E. SAMUELS CO MMUNITY DEMO CRATIC CLUB ANNUAL LEGENDS AWARDS pages 12 SYLVIA & HERBERT WOODS 11TH ANNUAL SCHOLARSHIP FUND & COMMUNITY SERVICE AWARDS page 14 Community Calendar of Events page 8 THE LAST POETS AT BRONX LAB pages 17 face/ harlemnewsinc visit our website: www.harlemnewsgroup.c om @harlemnewsinc 2 Harlem News Group November 1, 2012 HarlemNews Group HARLEM .QUEENSBROOKLYNBRONX Harlem News Group C ONTENTS HARLEM . QUEENS . BROOKLYN . BRONX Community HARLEM NEWS Community BROOKLYN NEWS Advertise Community BRONX NEWS Community Today QUEENS NEWS Free copies distributed in your community weekly “GOOD NEWS YOU CAN USE” IN THIS ISSUE: Finance page 4 Community page 5 Editorial page 6 Community page 7 Calendar page 8 Health page 10 Pat Stevenson Events page 12 A NO TE FROM THE PUBLISHER Highlight page 14 Focus page 17 Good New You Can Use Education page 18 Urbanology page 19 VOTE on November 6th. Career Page 20 Expressions page 21 It is time for your voice to be heard. Literary Corner page 22 You must participate in choosing who Real Estate page 23 Classified page 24 will lead your country and community. Horoscopes page 26 Crossword Puzzle page 26 I hope each of you who is eligible will go out and vote in this year’s presiden- tial election as well as local elections Publisher/Editor Pat Stevenson A&E Editor Linda Armstrong for the candidate of your choice. We Art & Cultural Stacey Ann Ellis Adams Report Audrey Adams cannot afford to make any assump- Travel Editor Audrey Bernard Writer Jarad Wright tions. Each of us must vote. Financial Writer Anthony Battle Congratulations to the recipi- Employment Stacey K. Williams Education Luvon Roberson ents of the Herbert and Sylvia Woods Real Estate Rev. Charles Butler Columnist Bro Bill Defosset Scholarships and Community Service Columnist William A. Rogers Awards. (see page 14). Columnist Zakiyyah Columnist Ann Stevenson Congratulations to Ruth Clarke Columnist Arn Ashwood Columnist Lavern Fountain on your birthday and the celebration of Book Review Terri Schlichenmeyer Queens Photojournalist Juliet Kaye your life at the recent roast event held Brooklyn Writer Keith Forrest at Melba’s on 125th. (see page 12). Bronx Writer Howard Giske Queens Photojourn. Juliet Kaye Congratulations to the Legend Political Editor Cedric McClester Society Audrey Bernard Awards winners who were honored at Technology Editor Ron Stephenson the recent Frederick E. Samuel Com- Photographer Michelle James Photojournalist Gideon Manasseh munity Democratic Club event. Layout Ann Stevenson Office/Dist. Assistant Dominic Jones (see page 12). Computer Dir. David Sinclair Social Media Mgr. 1209 Affair Our heart goes out to all those who suffered loss during hurricane Jose Ferrer - Hispanic Mkt. Mgr. O ur Mission Sta te me nt Hispanic Community Consultant Sandy’s roar through the northeast. I The Harle m Ne ws Group, Inc . will publish posi- William A. Rogers - MWBE Consultant am personally comforted in my belief tive ne ws and information. Our mission is to de live r Marketing & Strategy Consultant H Urbanology Systems, LLC that during this horrible event, we had a r “good” and informative news to our readers foc us- l the right leaders in place. e ing on health, educ ation, housing, business and m When you do business with our advertisers, tell them you saw their ad in the Harlem News Publica- N employment opportunities. We look for and publish tions. We appreciate our readers. Send us your opinions. e The Harlem News Group assumes no responsibility for return of photographs. w results, not problems. We promote businesses, -Pat Stevenson s G opportunities and events happening in the commu- Next Issue: November 8 r o nities we serve. We are dedic ated to providing our u p readers with valuable information they c an use to A Publication of: N improve the qua lity of life for the mse lve s, the ir fami- o v lies and our c ommunities. Harlem News Group, Inc. e Mailing: P.O. Box # 1775 m b To reserve advertising space call New York, New York 10027 e r Phone: (212) 996-6006 1 , (212) 996-6006 Fax: (212) 996-6010 2 0 1 To subscribe go to our website at www.harlemnewsgroup.com email: [email protected] 2 WEBSITE: www.harlemnewsgroup.com 3 Harlem News Group FINANCE HARLEM . QUEENS . BROOKLYN . BRONX GET YOUR RETIREMENT BACK ON TRACK By Jeff Cosby, Wells Fargo Financial Advisor iven the volatility of the job benefit of compounding earnings. Financial preparation for ready when it's time for you to retire. market over the past few Based on the investments in your retirement is different for every indi- The good news is that with proper Gyears, job loss and other unex- retirement portfolio, the money you vidual. To make sure that you're on investment planning, you should be pected career disruptions or changes put in has the potential to earn more the right track, take the time now to able to retire with confidence-if you have become all too common for money for you - whether through assess your own situation and see get organized. many Americans, and they can throw interest payments, dividends, or other what you can do to make sure you're off one's long term plans and goals. means of growth. In many cases, those When we encounter these types of earnings can be reinvested into your major life changes, the more immedi- portfolio, further enhancing the total ate need to adapt to our new lives and value of your savings and allowing settle in to our new realities tends to your money the opportunity to "make take priority. However, in spite of the money" for you. focus required for those day-to-day If your retirement is less than challenges, planning for retirement ten years away, then it's time to start continues to be top of mind for many. making subtle adjustments to your According to the most recent Wells investment mix. Hopefully, at this Fargo/Gallup Investor and Retirement point you're not just getting started, Optimism Index, when asked to rank but rather taking a look at how your their most important savings priority, investments are allocated and making 41% of investors said "saving for sure they appropriately match your retirement." But how to do it? risk tolerance, your investment objec- Regardless of your personal tives and your relatively short time circumstances, there are some basic horizon. Because you have less time steps you can take to plan for the day to work with, you still want to have you retire. First, you should consider some investments that offer growth, how much time you have left in the but you also want to begin looking at ranks of the employed, and adjust preservation of principal through fixed your planning based on your stage in income alternatives such as bonds, life so that you will be financially pre- which may provide a little more sta- pared to retire. bility in your portfolio and help If you have at least ten years reduce your overall risk. left before you plan to retire, you still Finally, at some point you'll have the advantage of time on your reach that day that you once thought side. One of the most basic principles was so far off. When you find yourself of investing is putting your money officially in the position to retire, you into different investment vehicles and will have a whole different outlook on then leaving it there so you can poten- those funds you have set aside for just tially reap the benefits of long-term that purpose. Instead of making con- returns. With more than ten years left tributions to your retirement funds to to invest, you might be able to afford help them grow, you'll need to main- to take on a bit more risk with your tain your income from those invest- investments. While equities - such as ments. You'll likely begin taking stocks - have an inherent risk of losing distributions from them to pay for money, they also have a history of your day-to-day expenses. A thorough providing significant returns over a review of your investments will help long period of time. Just keep in mind you clearly see just how much you that past performance is no guarantee have saved, and how you will have to of future results. plan your distributions so you don't Probably the biggest advan- run short on funds during your retire- tage of getting an early start is the ment. 2 1 0 2 , 1 r e b Visit: m www.harlemnewsgroup.com e v o N YOU CAN SEE OUR p CURRENT ISSUE AND u o BACK ISSUES ONLINE. r G s w e N m e l r a H 4 Harlem News Group MWBE CORNER/ FINANCE HARLEM . QUEENS . BROOKLYN . BRONX NEW YORK STATE MWBE FORUM BEHIND IN PAYING YOUR INCOME TAXES? By William A. Rogers TAX DEPARTMENT OFFERS PAYMENT PLAN he State of New York had the largest minority owned and women owned businesses. minority and women owned business When you visit ny.newnycontrats.com this site "I'm behind in paying personal "Hard times can fall on anyone, Tenterprise (MWBE) forum in the histo- will provide access to new online application income taxes I owe New York State, but but whatever you do, don't ignore a tax ry of states MWBE program last weekend forms for faster MWBE certification and I can't pay that amount right now.