“Time and momentum are 2 of the mot precious resources. #45 has squandered it all.
-Gallop 1st poll (2 wks) 43% says to #45 -NO after 2 weeks on the job compared to Obama 63%; Bush 59%
-#45 campaigned as a deal maker… not one single measure through
-The republican party in the house and senate is dysfunctional
-Republicans just won’t legislate -their terms or none at all
-#45 cannot rely on the 200 + majority
-The idea of any bipartisan support
-The President set the battle lines too quickly
-#45 does not understand the details
-The scandals and controversies has hurt Presidential support
-Trump- a burden rather than an advantage
-Republicans scattered after last night announcement asking Comey … none wanted to be interviewed
-Crystal ball victories??? none that the media can see right now.
-Yes, I believe ‘the memo’ exist
-Do you think bipartisanship will/can come back to Washington? last 30 years it’s been downhill- some of it’s the media,
-Steady gerrymandering of districts, large majority is mostly Republican; ‘establishment in Washington’ is now a huge problem;
-The country is too split to solve the problems with one party.
– Media will not make more efforts to be more equitable
– Gorsuch, will restore the balance to the Supreme Court
– How can you tell real news fro fake news? Not news yo don’t like, just not true. News sources have to be from a media that has an editorial process
– Do not rely on just 1 source
– The burden is now on the citizen to be more discerning and search for good sources
– Sean Spitzer… there is a disconnect between he and his boss. Communications team is lacking a plan, President is not giving them enough timely information.
-From your close-up lens of the President- what qualities do he have to move the country forward- he’s smart, charismatic figure, dominate the room, thinks outside the box..just too controversial, and do not understands Washington to bring people together. His strengths are his weaknesses, these can all be very dangerous things- He has to have steadiness, discipline, and temperament, and not lose his bearing, It’s still an open-question?
-Trump is pretty scary on a national focus, can anyone coach him on diplomacy? General feeling – he has put together a solid, steady , serious team. Question is does Trump listen? He ad-libs! Give up confidential information.
Walking Tour of the Martin Luther King Historic District. Over 70 participants joined yesterday’s tour of the Sweet Auburn neighborhood, highlighting the power of revitalization and community building.
Youth Entrepreneur Pitch Competition. As part of the HOPE Business In A Box Academies (HBIABA) initiative, students competed for a start-up grant, presenting their business plans on everything from dance classes to apparel and accessories. Congrats to the winner, Asia Thurmon, founder and owner of EZ Party Pack!
Inspirational Opening Reception. On a panel discussion on race moderated by Roland Martin, Amb. Andrew Young challenged attendees to embrace their race and background and stand firm in the face of doubt, while John Rogers highlighted the importance of empowering black business leaders who can then act as a larger voice for their community. Following the panel, Chris Gardner, whose story inspired the movie “The Pursuit of Happyness,” moved attendees with his personal journey of overcoming obstacles.
You can review the full event agenda here.
WHAT EVERYONE IS TALKING ABOUT- Much of the nation’s attention has been focused on Google’s pay discrimination, PepsiCo’s controversial commercial, and the promise of the gig economy. These issues will surely influence conversations on- and off-stage, particularly in today’s sessions on social mobility, diversity in the media, and empowerment for women and girls.
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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.
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.
INVESTIGATION IN FATAL TULSA OKLAHOMA POLICE SHOOTING- Chicago, Illinois – September 21, 2016 – Alpha Kappa Alpha Sorority, Incorporated expressed its outrage over yet another fatal shooting of an unarmed black man by a white police officer and called for a thorough investigation.
Terence Crutcher, 40, was shot last Friday by police in Tulsa, Oklahoma after police responded to a 911 call about Crutcher’s stalled SUV in the middle of a roadway. A disturbing dashcam video shows Crutcher raising his hands when he was shot. Police Chief Chuck Jordan said investigators never found a weapon on Crutcher or in his vehicle.
Speaking on behalf of the Sorority’s 283,000 members worldwide, International President Dorothy Buckhanan Wilson extended condolences and prayers to the family and friends of Crutcher. She also expressed dismay over continuing incidents of excessive force and police brutality that disproportionately affect African Americans.
Crutcher is among at least 697 people — 172 of them black men — who have been fatally shot by police officers this year, according to a Washington Post database tracking police shootings.
“We are encouraged and grateful for the swift action by the U.S. Justice Department, along with state and local authorities who have launched an investigation to determine the facts surrounding the circumstances for the shooting,” Buckhanan Wilson said. “We join the call of the community at large in their demand for transparency, as well as improved training for local police, and urge the authorities to provide a fair and comprehensive accounting to the Crutcher family.”
Buckhanan Wilson urged the Tulsa Oklahoma community and supporters to remain calm amid their grief and await the outcome of the investigations. Buckhanan Wilson said Alpha Kappa Alpha Sorority, with a massive network of members of nearly 1,000 local chapters worldwide, plans to monitor the investigations and will remain vigilant to ensure that justice is served.