Thursday, November 19, 2015

The Great American Smokeout 2015

 Make Today the Day to Quit

    The Great American Smokeout is an annual event that is geared towards encouraging citizens to quit smoking tobacco products.  The Smokeout challenges people to not smoke for a solid 24 hours, in the hopes that this decision will lead to a permanent end to their habit.  The inaugural Smokeout was held on November 16, 1977 within San Francisco’s Union Square. 
    This was an evolution that began in Randolph, Massachusetts in 1970 with Arthur P. Mullaney.  Mullaney suggested that cigarettes be given up for a day and a donation be made to a local high school.  From there, Lynn R. Smith promoted “D-Day” or “Don’t Smoke Day” in 1974 in Monticello, Minnesota.  The National Cancer Society then [successfully] promoted close to 1 million smokers to quit for 24 hours on November 18, 1974. 

     Even with the backing and success of the events and their evolution, there remain an estimated 42 million cigarette smokers within the United States to date.  The use of tobacco products remains the largest preventable cause of premature death and disease within the nation.  According to 2013 statistics, there are approximately 2.3 million tobacco pipe smokers and 12.4 million cigar smokers in addition to a multitude of other tobacco products that are addictive and dangerous. 
     With that being said, even quitting for a single day, smokers are able to take a highly imperative step towards a happier and healthier life.  This is a step that can lead to the reduction of cancer risks.  Moreover…..TODAY marks the day that quitters NATIONWIDE WIN.

Information About Quitting

Quitting is hard, but you can increase your chances of success with help. The American Cancer Society can tell you about the steps you can take to quit smoking and provide quit-smoking programs, resources and support that can increase your chances of quitting successfully. To learn about the available tools, call them at 1-800-227-2345.



Tuesday, June 30, 2015

Building Credit with Credit Cards


   Do you need to build credit? Are you maybe a young adult that has never before had a credit card? Or are you new to the United States without an established credit history? Maybe you are among those that simply need to build credit after surviving decades without applying for any form of loan.  Regardless of the category that you fit into, there is a credit card out there that is able to help you quickly build favorable credit.  In order to properly choose the right one for your needs, it is best to look for those that are specifically targeted at those with average credit, newcomers or students. 
       Should you find yourself unable to qualify for one of the card types listed above, you will need to consider applying for a secured credit card.  Regardless to whether the card is secured or unsecured, while being a new card holder, you should look for cards that have few fees, low costs and are easy to use.  The following will guide you through the top offering of cards that will be able to deliver you just that along with helping to build your credit quickly. 

Discover it Chrome for Students

     This is a credit card that is able to offer young adults and students a simple fee structure as well as low rates.  For instance, there is not a penalty interest rate nor is there an annual fee associated with this card.  Additionally, holders of this credit card will automatically have their fee late payment fee waived.  Discover it Chrome also offers the following:
·        2% cash back on upwards of $1,000 spent each quarter at restaurants and fueling stations
·        1% cash back on all other purchases
·        100% United States based customer service
·        Highly rated customer service in regards to customer satisfaction

BankAmericard Secured Card

     This is a credit card that does require a minimum security deposit of $300.  This security deposit helps to determine your credit limit.  In all other aspects, this is a card that performs no differently than a standard unsecure credit card.  Each month, cardholders must make a payment and will be charged interest should a balance be carried over.  Reminders can be set via account alerts that will notify cardholders vie either text or email as to when their bill is due.  After one year of opening the account, it will be reviewed and you will be able to qualify for a standard unsecured credit card.  Do note that the BankAmericard does have an annual fee of $39.

Capital One Platinum

    This is a credit card that is design specifically for those that currently have average credit.  This is an  offer you any rewards either.  It does come attached with perks that include the following:
·        Auto rental insurance
·        Price protection
·        Extended warranty coverage

Overview

    Basically, creditors want you to prove that you are fiscally responsible as well as diligent about repaying any and all debts that you incur.  Given the credit cards are residual debt, gaining one and being proactive in regards to repayment will build your credit quite rapidly.



Sunday, May 24, 2015

Ohio: Patrolman Acquitted and Riots Begin


    
      This past Saturday, Cleveland patrolman Michael Brelo (31) was acquitted in the deaths of two people that were African American.  At the moment that the verdict was entered into official record, an array of protests were set off within the Northern Ohio city.  The vast majority of the protests were orderly and included a mock funeral (which included 200 people).  Each person that was involved within the protests could not fathom how an instance that began with a vehicle backfiring could possibly end in a 137 shot barrage.  This barrage also included Brelo being on the hood of the victim’s automobile shooting through the windshield resulting in the deaths of two black suspects that were UNARMED.
     On Saturday, as the judge issued the verdict, Brelo placed his head into his hands.  Police were forced to block a multitude of enraged protestors from entering.  Throughout the night, protests continued, including those that involved signs carrying the question, “Will I be next?” Given the current state of the United States and its police force and judicial system, that is the question of the hour for anyone with a tinge of pigment within their skin. “Will I be next?”

    Will I be caught in the middle of a Wild West shootout for living while black just to have my murderer left with no repercussions at all?  This acquittal came at a time when national tensions between black citizens and police are at an all-time high.  Additionally, it had been determined by the United States Department of Justice that the Cleveland Police Department has had a lengthy history of using excessive force and violating the civil rights of its residents.
       With all of this swirling about the minds of black citizens within the nation, things became even more complicated and confusing as Judge John P. O’Donnell reflected upon the civil unrest before delivering the verdict within the Brelo voluntary manslaughter trial.

“In many American places people are angry with, mistrusting and fearful of the police.  Citizens think the men and women sworn to protect and serve have violated that oath or never meant it in the first place.” – Judge O’Donnell

  After his insightful reflection, judge O’Donnell contended that he would not be offering Brelo up to an angry public if the evidence was not worthy of a conviction.  This revelation is what truly cause a great deal of confusion with all of those in and around the courtroom.  How was the evidence in a case in which two unarmed black men were shot from the hood of the vehicle that they were in did not warrant a conviction?

“I will not sacrifice him to a public frustrated by historical mistreatment at the hands of others.” – Judge O’Donnell

     It was Brelo that fire a grand total of 49 shots that included the 15 that came while he stood firmly on the hood of the car.  The Cleveland police officer faced upwards of 22 years in prison if the judge would have handed down a voluntary manslaughter conviction.  The deaths resulted after the beat down Chevy Malibu of Timothy Russell backfired while it sped past police headquarters. 
   
By the close of November 29, 2012 both Timothy Russell (43) and Malissa Williams (30) were killed after being shot more than 20 times each.  The firing began after a pursuit of the two while within the aged Malibu.  The prosecutors of the case argued that the duo was alive until Brelo’s final onslaught of bullets.  Medical examiners that were presented on both sides of the case stated that it was virtually impossible to determine the precise order in which the deadly shots had been fired.  This case hinged on 7.932 seconds during which Officer Brelo was able to fire 15 rounds into the car.  O’Donnell believed that Brelo was able to cause some of the fatal wounds, four of which could have killed Russell and seven could have killed Williams, but shot fired from other officers could have as well.  According to the judge, a voluntary manslaughter conviction would require for Brelo’s shots to have been alone the causes of death or the final wounds tipped the balance between death and life. 
   There were 13 officers that ultimately fired at the vehicle after a 22 mile high speed chase that involved 62 unmarked and marked cars.  Speeds during the chase reached 100 mph at times and Brelo has been the only officer that has been charged in the matter.  According to prosecutors, Brelo was charged because he alone waited until the pair was no longer a threat to anyone before firing his final shots into the car. 
    No one was ever able to learn why Russell did not stop the car for officers.  He did have a criminal record that consisted of previously being involved in a police pursuit, robbery and the receiving stolen property.  Williams also had convictions for an attempted abduction as well as drug related charges.  There was a crack pipe found later within the car, and the two had been described as addicted to drugs, homeless and mentally ill. 
   
   For almost an hour, O’Donnell took the time to explain his decision, even utilizing mannequins that were marked with gunshot wounds.  It was possible for the officer to have been convicted of lesser charges, but the judge determined that his actions were justified following the car chase.  This justification was supported, according to O’Donnell, by it being state in official police records that shots had been fired from within Russell’s Maibu.  That is what caused officers to perceive a threat.

“Officer Brelo risked his life on that night.” – Defense attorney, Patrick D’Angelo

   Michelle Russell, the sister of Russell, stated that she truly thought that Officer Brelo would have faced justice for the murder of her beloved brother.  According to the grieving Russell, “He’s not going to dodge this just because he was acquitted.  God will have the final say.”
    According to reports, the US Justice Department, the US Attorney’s Office as well as the FBI will be reviewing the evidence and testimony while examining available legal options regarding the matter.  This is according to a statement that has been released by the head of the Justice Department’s Civil Rights Division, Vanita Gupta.
   It does need to be noted that the unusual timing of the verdict, on the Saturday morning of a holiday weekend, was expressly intentional.  The top judge within the county stated that it was meant for the prevention of downtown traffic issues. 

“This is tragic experience has already forced a culture change within the division of police and a needed reexamination of the use of deadly force.” – Cuyahoga County prosecutor Tim McGinty

     Since the 2012 shooting, the Department of Justice has launched and concluded an investigation into the department.  As previously noted, the results indicated that the Cleveland Police Department had engaged in a pattern and practice of using excessive for and the violating of civil rights.  Currently, the DOJ and the city are negotiating the terms of reform.

     Officer Brelo has been on unpaid leave since being indicted last May; and according to Chief Calvin Williams, this will remain the case during the disciplinary reviews for Brelo and 12 others on the force.  This shooting also resulted in a grand jury charging five supervisors with misdemeanor dereliction of duty for the failure to control the chase.  Thus far there has been no trial date set as of yet, and all five have entered pleas of not guilty. 

“Our pursuit of justice for Timothy Russell and Melissa Williams is not over.” - McGinty



Tuesday, April 28, 2015

What You Should Know About Freddie Gray and the Riots


    
On Monday, following the funeral of 25 year old Freddie Gray, rioting and protesting broke out within the iconic port city of Baltimore.  The activities were in retaliation of the suspicious and unnecessary circumstances that lead to the young man’s death while in police custody. 
    The following will explore what is currently known regarding Mr. Gray and the civil unrest that has resulted from his untimely demise. 

Who was Freddie Gray?

      Freddie Gray was an African American man that was a resident of the Gilmore Homes in the city of Baltimore.  The 25 year old man was widely known to be upbeat and happy go lucky.  According to his on again, off again girlfriend, Angela Gardner, “Every time you saw him, you just smiled, because you knew you were going to have a good day.”
        Gray had been arrested several times previously, but the majority of the charges were drug related and for offenses legally deemed minor.  According to police reports, Gray had a switch blade on his person at the time that he came into contact with officers. 

What is Known About his Arrest on April 12th?

     As far as the details that lead to his arrest are as clear as mud.  What is known and confirmed is that Mr. Gray was arrested and placed into a police van after (according to eye witnesses) “making eye contact with officers and running away.”  There is no account that has surfaced that indicate that Gray was doing anything to warrant an arrest.  He was not brandishing the switchblade that was later said to be on his person in any way nor was he posing any sort of threat to anyone.  Per the police report, an officer simply made eye contact with him and another man that he was with.  It was then that the duo took off on foot running away from the officers. 
     There are many that not only question why Gray ran, but why officers gave chase.  According to a Supreme Court ruling, fleeing from police is not, in itself, probable cause for an arrest to be made. 
     Once placed into the van, he was not restrained by a seat belt and at a later point in time, his legs were additionally cuffed.  Once Gray became injured, he cried out for help repeatedly.  Even with the repeated attempts to cry out, officers did not alert paramedics that help was needed for a full 30 minutes.  According to department policy, suspects are to be buckled into seat belts when transported in police vans.  It is also policy that officers are required to call for paramedics at the moment that assistance is requested by a suspect in custody.  Unfortunately, neither of these policies were upheld in the case of Mr. Gray.  

Cause of Death?

       On April 19th, the life of 25 year old Freddie Gray ended because of a spinal injury.  Due to witness reports that Gray was able to run from officers on the 17th, it is widely believed that the fatal injury was the direct result of police brutality.  There are reports that indicate that a more in depth investigation will be conducted into his death; but there was a great deal of evidence that was overlooked.  The crime scene was not as thoroughly vetted as it should have been according to official protocol. 

Monday’s Violence

       The protests and rioting began shortly after the conclusion of Mr. Gray’s funeral.  Police released reports that they had uncovered a plan for rivaling gangs to ban together in order to “take out police”.  Since that information was released, it has also been dispelled by a variety of representatives from a select number of Baltimore area gangs. What did occur was the looting of several businesses as a number of buildings were set on fire.  Since the violence began, there have been a minimum of 27 arrests and per Commissioner Anthony Batts, 15 officers were hurt. 
     
There was a great deal of coverage that showed rocks being thrown at police cruisers as well as vehicles being torched.  Looting was captured on camera, but miraculously the nonviolent demonstrations were not captured by the mass media.  As men marched peacefully, only a moment’s worth of coverage was dedicated to the protest before the focus returned to the looting and rioting.
     The rioting began late into the afternoon in the northwest Baltimore neighborhood of Mondawmin, where Mr. Gray’s funeral was held.  Enraged residents began to hurl chunks of concrete, rocks and bottles at officers that were in riot gear and lined up with their shields deployed.  Unrest was also experienced with the city’s Lexington Market.  By the time that nighttime arrive, there seemed to be a greater push for calm.  Yet there were still sightings of cars that had been set ablaze and a building use for housing for the elderly was damaged by fire. 

The Family’s Thoughts/Feelings

       The Gray family has stood firm in its resolve to remain non-violent. They contend that the current violent activities are not the proper way to honor the memory of Freddie.  Per Gray’s twin sister, Fredericka, “I think the violence is wrong….I don’t like it at all.”  Through their attorney, Billy Murphy, the family had planned on organizing a peaceful march later in the week.  With the current onslaught of nightly curfews and the addition to the National Guard within the city; that no longer seems as plausible as it did before.
    The family wants justice and for all of the truth to be revealed, but (according to sources near the family) the violence may prove to be more of a hindrance as opposed to a help. 

The State of Emergency

    The violence has cause a state of emergency to be declared within the city limits of Baltimore.  The governor of Maryland activated the National Guard on Monday night.  A curfew was also announced due to the violence that became the response to the nation’s latest police brutality martyr.  The Maryland State Police took command of the response and also stated that they would be asking for upwards of 5,000 law enforcement officials from the mid-Atlantic region in order to contain the unrest. Beginning last Monday night, National Guard units began arriving within the city, while others began arriving Tuesday morning in Humvees. 

     On her first day within her new position, Attorney General Loretta E. Lynch was tasked with briefing President Obama regarding the situation that was brimming over in Baltimore.  In turn, the President contacted Governor Hogan, urging that officers utilize restraint.  Hogan assured that they would, yet admitted to the stating the following, “I assured him we weren't going to stand by and allow out city of Baltimore to be taken over by thugs.”




Sunday, December 28, 2014

Shopping for Wine Online



    From Amazon to EBay, there are hundreds of sites where one can shop for wine online.  The problem is not the availability, it is weeding through the masses in order to determine the best fit for the need. What site offers the most robust variety? What site or sites has prices that are conducive to my budget? How can I avoid paying $100 for a bottle that is only worth $10?
    Find yourself asking these questions and running to your local store for a wine that no longer excites your pallet?  Retail stores do account for the vast majority of wine sales, but that is due to the ignorance surrounding shopping for wine online coupled with the lack of trust in online retailers (this is due in part to most have only been in business for less than 10 years).
     Just as with a brick and mortar wine retailer, cheap is not always the best choice; nor are flashy bells and whistles.  Do not allow yourself to be drawn into purchase simply because a sight is plastered with seals, symbols and crests.  The vast majority of these have disclaimers at the bottom informing you that they are not approved, recommended, by etc.  It is just an eye-catching form of advertising.  The very best in the industry are viewed as such due to a perfect combination of personal touch, variety of inventory and pricing.

Top Online Wine Retailers

Tasting Room à Known for their low pricing as well as their ability to sell full sized and sample sized (the precise amount that would be enjoyed at a wine tasting) bottled and sampler packs.  The sampler packs are of mixed variety and allow wine lovers to explore new tastes at the leisure from home. 
Half Wit Wines à Offers 1200 wines in half bottles.  This site is not pretty to look at, but is perfect for those that only desire (or need) half bottles of wine.
Accidental Wine Company à Think of them as the scratch and dent online retailer of wine.  Smudge on the label? Vintage of 1 or 2 years? Accidental will sell it to you.  It’s not what they bottle looks like, it’s what is inside; and a great bottle of wine exceeds any aesthetic. 
Monger Wines à Dedicated to the sale of artisanal wines, Monger is the perfect place for the discerning and highly evolved pallet.  The company began as an Australian wine retailer and has since expanded to include Italy and a subset of Californian vineyards. 
Bottle Rocket à Offers incredible customer service as well as wine tips.  Need to know what wine will properly compliment a meal? Bottle Rocket can tell you.  This is a very out-of-the-box site.  Offering customers a unique voyage as they browse for their perfect bottle.


      Shopping for wine online can be a delightful but daunting journey; but at the end of the day, you will have what your heart desires…wine.  There will be no standing in long lines, no engaging in tastings that you would prefer to bypass, simply a wine that you chose in your hands.  Rather on your own or with the help of tools that assist in finding the best wine for you, shopping for wine online will bring the perfect wine straight to your door.  

Tuesday, December 16, 2014

Couponing at Target


     Many people do not automatically think about couponing when it comes to Target because of their discounted prices; but you should.  Target is actually one of the BEST places to coupon at.  You are able to stack coupons and maximize your savings.  The following tips will help you stock up your cabinets and desires while leaving plenty of cash in your pockets. 

Download the Cartwheel App

This Target app offers additional savings on various products throughout the store.  While shopping, you can scan the barcode of an item in order to determine if an additional savings is offered.  Also, if your phone is not Wi-Fi enabled, you can print a barcode Cartwheel card from home, laminate it and show it at checkout for your savings. 

Stack your Coupons

This means that you can use a manufacturer coupon along with an in store coupon.  Coupon stacking can also be used in conjunction with Cartwheel offers as well. 

Know the Markdown Schedule

Coupons can be used in conjunction with markdown prices at Target.  Before venturing out for your next shopping adventure, know the schedule.  It is as follows:
·        Monday – Girls, boys, infants, and electronics
·        Tuesday – Women’s and juniors
·        Wednesday – Men’s, food, stationary, health and laundry
·        Thursday- sleepwear, athletics, pet, housewares, paper, shoes, and toys
·        Friday – domestics, auto, scarves, beauty, and  jewelry

Sign up for coupons via text

Each Saturday, Target sends out coupons via text message.  Do not miss out on the deals. Simply text coupons (or baby) to 827438. 

Know the price cuts

Target offers two types of price cuts.  The first is a permanent price cut, the new displayed price will not revert back after a set time limit.  The second type is a temporary price cut; which last between 7-14 days. 

Price Matching

If you know that an item is less expensive elsewhere, simply take the item to guest services and they will confirm the lower price and ensure that you receive the item for the lower amount.  Additionally, coupons can be used in conjunction with price matching.  

Get Rain checks

If you find that a sale item has been sold out, take a picture of the shelf tag.  The shelf tag contains the DPCI code and the picture you take will make it easy and non-time consuming when requesting your rain check and they can be requested and received at any register.  Please note that rain checks will look like an additional receipt, therefore store separately and make note of the date received.  Rain checks are good for 45 days. 

Reusable Bags Credit

When you bring your own bags, you receive a $0.05 credit for each bag used at checkout. 

Utilize Rebate Apps

There are great apps that will give you cash back or gift cards once you scan (or take a picture of) your receipt. 
·        Ibotta – Allows you to scan your receipt, choose the deals that you want to “cash in” and receive cash back on your purchase
·        Check out 51 – upload your receipt and receive cash back on various items that you purchased.  Payments are released in $20 increments. 
·        Punchcard – allows you to upload pictures of your receipts for points that can be cashed in for gift cards or merchandise
·        Receiptpal – Enters you into sweepstakes for cash and prizes
·        Endorse - Allows you to scan your receipt, choose the deals that you want to “cash in” and receive cash back on your purchase or make a charitable donation.



Tuesday, December 2, 2014

Four Ways to Use Thanksgiving Leftovers


     With the holidays approaching, there is a lot of excitement in the air.  People anxious to reunite with relatives from afar.  Recipe boxes being dusted off in order to ensure that family favorites are on the table.  But what happens in the days following the holidays? What to do with the plethora of leftovers that are taking up valuable space in your fridge? How to you get your family from becoming bored with turkey and all the fixings?
    The following are great ideas on how to re-invent your Thanksgiving turkey leftovers that will excite the pallets of all within your household without sending you to culinary arts school. There is also absolutely no reason to break the bank to feed your family following the holiday.  Use your leftovers are the primary ingredients to some very simple and easy recipe ideas and save money while satisfying the family.
     Turkey is a very versatile meat, and that should be kept in mind as you think about how to best utilize the country’s coveted dinner bird.

Homemade Turkey Soup

     Make the most of what is left of your turkey no matter how much or how little.  Simply simmer (2 hours) the turkey bones in order to get the rich flavor.  From there, remove the remaining meat, add rice, vegetables and cream soup.  Within a matter of minutes, you will have a hearty and cost effective meal for you family.

Cheddar Turkey Casserole

     Add your Thanksgiving turkey leftovers with a creamy cheese sauce and vegetables for a tummy pleasing meal.
·        Ingredients
o   4 cups uncooked spiral pasta
o   1 garlic clove, minced
o   3 tablespoons of butter
o   3 tablespoons of all-purpose flour
o   1 teaspoon salt
o   ¼ teaspoon mustard
o   ¼ teaspoon dried thyme
o   ¼ teaspoon pepper
o   2 cups 2% milk
o   1 ½ cups shredded cheese
o   2 cups turkey
o   2 cups frozen vegetables
o   ½ cup slivered almonds
·        Directions
o   Preheat oven to 350 degrees. Cook pasta per package instructions.
o   In a large saucepan, sauté garlic in butter until tender.  Stir in flour, salt, mustard, thyme and pepper. Gradually stir in milk. Bring to a boil; cook and stir 2 minutes or until thickened. Remove from heat; stir in cheese until melted. Drain pasta and add.

Stuffing Crust Pot Pie

     This is a way for you to re-invent the majority of the leftovers in your fridge.  Use your remaining stuffing, vegetables, turkey and mashed potatoes.  This is a budget conscious way to spice up the leftovers from Thanksgiving.

Turkey a la King

·        Ingredients
o   2 tablespoons butter
o   1-3/4 cups of mushrooms
o   1 celery rib, chopped
o   ¼ cup onion, chopped
o   ¼ cup green pepper, chopped
o   ¼ cup all-purpose flour
o   1 cup chicken broth
o   1 cup milk
o   2 cups turkey breast
o   1 cup frozen peas
o   ½ teaspoon salt
o   2 cups cooked rice
·        Directions
o   In a large nonstick skillet, heat butter over medium-high heat.  Add mushrooms, celery, onion and pepper; cook and stir until tender.
    • In a small bowl, mix flour and broth until smooth; stir into vegetable mixture. Stir in milk. Bring to a boil; cook and stir 1-2 minutes or until thickened. Add turkey, peas and salt; heat through. Serve with rice. Yield: 4 servings.


    With these meal suggestions, there is no need to stick to grandma’s method of making countless turkey sandwiches with your leftover Thanksgiving turkey.  Allow yourself to be as creative as you are on any other night of the year for the days following the holiday.  Do not reserve yourself from amazing your family on the holiday alone.  Fill their bellies and delight their taste buds with new meals each night with the leftovers from America’s favorite meal.