President-Elect Trump Needs to Divest from Conflicts of Interest
Sign the petition to support the Presidential Conflict of Interest Act! Today, President-elect Donald Trump was supposed to announce how he would untangle himself from his massive web of conflicts of interest. Turns out, he is NOT going to untangle himself at all or divest from his businesses, which means he could be still violating foreign bribery laws like the Emoluments Clause in the U.S. Constitution.
Trump will turn over his new businesses to his two sons. They will continue making new deals while he serves as president. Americans deserve better—much better.
In order to meet the requirements of the U.S. Constitution and avoid any appearance that he is making decisions that would benefit his companies instead of the American people, Trump must divest.
Luckily, there is a 3-step solution that involves you and Sen. Elizabeth Warren:
Sign our petition in support of Sen. Warren’s bill, the Presidential Conflict of Interest Act, which would require President Trump and Vice President Pence to divest from personal holdings that create conflicts of interest.
Call your senators (202.224.3121) and demand they support Sen. Warren’s bill.
Forward this email to 5 friends and ask them to do the same.
Trump needs to put his assets in a real blind trust instead of benefiting financially from the presidency on the backs of working Americans. And he needs to release his tax returns like most presidents have done before him. Only then will the American public know whether Trump is acting in the interest of the people or his wallet.
Take action: Sign the petition to support the Presidential Conflict of Interest Act today!
At a time when a lot of young adults are postponing marriage, the number of Americans buying a house on a single income is substantial. According to the mortgage software firm Ellie Mae, as many as 47% of Millennial home buyers last year were unmarried.
Buying a House on a Single Income Is Possible
Because single mortgage applicants rely on one salary and one credit profile in order to secure a loan, getting through the underwriting process can be a bit trickier. However, the more you understand about what the process entails, the better your odds will be of getting a lender to say “yes.” Here are four crucial things that can help.
Check Your Credit
When you apply for a mortgage on your own, lenders will be looking at just one credit profile: yours. Needless to say, it has to be in great shape.
It’s always a good idea to review your credit report beforehand, but that’s especially true of solo buyers. You can get a free copy once a year, from all three credit bureaus, at http://www.annualcreditreport.com. Make sure that it doesn’t contain any mistakes that will make you look like a bigger risk than you really are. If you see any, contact the credit reporting company right away, so it can investigate on your behalf. (For more, see Check Your Credit Report.)
You’ll also want to avoid doing anything that could hurt your credit, such as making big credit card purchase right before or after you apply for a home loan. And think twice before canceling any old credit cards. You might think you’re helping your cause, but you’re actually reducing the average age of your accounts and lowering your credit utilization ratio, two things that could hurt your application.
Look at Government Programs
A conventional mortgage typically requires a 20% down payment, something that can be hard to do if you’re drawing on only one person’s savings. But government-insured loans have a much smaller requirement – and sometimes none at all. For example, the popular Federal Housing Administration (FHA) mortgage program only mandates a 3.5% down payment. And if you’re a veteran or active member of the military, a Veteran’s Administration (VA) loan lets you finance the entire amount of the purchase, as long as it doesn’t exceed the appraisal amount.
There are some caveats, though. With an FHA mortgage, you’ll have to pay an upfront mortgage insurance payment (which can be financed) as well as a monthly premium. VA loans don’t carry an insurance fee, but they do assess a “funding fee” that can either be spread out over the course of the loan or paid in cash.
While low-down-payment requirements can help open the door to home ownership, they do carry risks. For example, paying 3.5% down doesn’t give you much of an equity buffer if the stock market takes a hit soon after you make the purchase. Putting down a little more, say 10% of the loan amount, will give you a little more peace of mind.
Protect Your Income
That first monthly mortgage payment can be startling for younger homeowners unaccustomed to such a big bill. As single home buyers rely on one source of income to pay the lender, it’s a good idea to take out some protection.
If your employer either doesn’t provide disability insurance or offers a bare-bones plan, you might consider looking into more-robust coverage on your own. That way you’ll get help paying your bills should you experience an illness or accident.
A specialized product known as mortgage protection life insurance can also help take care of your mortgage payments if you become unable to work. It’s only intended to help with home loan payments (some policies are a big more flexible), so it’s not a comprehensive financial solution. Still, because it typically has a looser underwriting process, it’s an option for those with riskier jobs or poor health, who consequently have trouble finding affordable disability coverage. (For more, see Why You Don’t Need Mortgage Protection Life Insurance)
Put Someone Else on the Loan
Having a co-borrower on the loan can sometimes help home buyers clear the underwriting hurdle, especially if you don’t have a long credit history. The lender will look at the co-borrower’s income, assets and credit history – not just yours – when assessing the application.
While he or she may be doing you a huge favor by joining you on the loan, make sure the co-borrower knows the consequences. In the event you have trouble making your loan payments, the bank can go after the co-borrower, too. If you don’t want to worry about that, you should wait until you can qualify for a loan by yourself.
The Bottom Line
Thanks to low-down-payment programs, you needn’t be well-heeled in order to get a mortgage on your own. However, it does require having a sparkling credit report and making sure that you have sufficient income protection. Government-insured loans and co-borrowers can also be of help.
Grateful for the awesome opportunity to continue serving the Rockdale/Conyers community. Looking forward to wonderful things for our great community. A very special thank you to the City of Conyers, Conyers Police, Chairman Oz Nesbitt, Commissioner Sherri Washington, Esq., and Commissioner Doreen Williams, PhD. Dr. Danette O’Neal, thank you for exposing the greatness in all who call you ‘Teacher’. To God be the Glory for all HE continues to do. TLCCC-Upward, Over, Onward, and Beyond-#Strayer; #Ambition, #MoneyMatters
Nesbitt plans to put the selection on the Board of Commissioners (BOC) Jan. 10 meeting agenda for the commissioners’ consent. “Sgt. Hambrick’s strong communication skills coupled with his mastery of organizational management makes him a good fit to assist me in moving Rockdale County forward,” Nesbitt said. “In addition, Sgt. Hambrick will help strengthen the relationship between the City, County and other local community entities and stakeholders. We have plenty of work ahead of us and Sgt. Hambrick is clearly ready to work.”
Hambrick, 33, led Nesbitt’s transition team overseeing the transfer of administrations when Nesbitt took office on Jan. 1.
As Chief of Staff, Hambrick will mainly serve as the liaison among the BOC members, assist the Chairman with the County’s daily administrative functions, supervise department-level managers, represent the BOC in various relationships such as government organizations and task forces, handle oversight of executive-level policy analysis and development, and conduct critical research and present findings that are of interest to the BOC. Hambrick said he plans to maintain his certification as a Peace Officer and serve the Police Department in a reserve capacity when called upon.
“Rockdale County is a great community to reside, work and simply enjoy life in, so I’m honored to be selected to not only serve the citizens, but also the employees in such a substantial manner,” Hambrick said. “While I’ll definitely miss my fellow officers at Conyers PD, I look forward to working with the City from a different perspective of service.
Hambrick is the lead pastor of The Life Church Christian Center in Conyers and also serves as CEO and founder of Thinking Under Fire (TUF), an organization specializing in bridging the gap between local law enforcement and the communities they serve. Hambrick earned a Bachelors of Political Science degree from Alabama A & M University and Masters in Public Administration from Strayer University.
He has served the City of Conyers for eight years. He started his career in public service as a police officer and rose up the ranks to several positions within the department including Field Training Officer, Corporal for Uniform Patrol, City Marshall, and Sergeant for both the Uniform Patrol and Criminal Investigation divisions. During his tenure with the City, Hambrick completed and received the Leadership in Police Organizations certification by the International Association of Chiefs of Police, and the Managerial Certification from the Georgia Peace Officers Standards and Training Council.
Hambrick is married to Corrinne N. Hambrick. They live in Rockdale with their two youngest children, and have an oldest daughter who is a senior in college.
Birthplace: Cuyahoga County, Ohio
James Abram Garfield, the last president to be born in a log cabin, was born in Cuyahoga County, Ohio, on Nov. 19, 1831. A Williams graduate, he taught school for a time and entered Republican politics in Ohio. In 1858, he married Lucretia Rudolph. During the Civil War, he had a promising career, rising to major general of volunteers; but he resigned in 1863, having been elected to the House of Representatives, where he served until 1880. His oratorical and parliamentary abilities soon made him the leading Republican in the House, though his record was marred by his unorthodox acceptance of a fee in the DeGolyer paving contract case and by suspicions of his complicity in the Credit Mobilier scandal.
In 1880, Garfield was elected to the Senate, but instead became the presidential candidate on the 36th ballot as a result of a deadlock in the Republican convention. In the election, he defeated Gen. Winfield Scott Hancock, the Democratic candidate. Garfield’s administration was barely under way when he was shot by Charles J. Guiteau, a disappointed office seeker, in Washington on July 2, 1881. He died in Elberton, N.J., on Sept. 19.
Danette, just wanted to let u know that I love your book! It’s an excellent resource for children and adults who need a refresher or those who never learned the info. I’ll definitely be including it in my home-school curriculum for my boys. I’m going to share this with everyone I know! Thanks so much! . Love u!!!💕👍 P.S. Also send me the link for others to purchase when u can. THANKS! Dr. Kimya Dawson-Smith.