4 The Hampton Roads Messenger Editorial


Is It Time to Break the Bank Habit?


destined to repeat it. And since banks seem to have short term memory loss, someone has to not only remind the public but remind the banks how it is that they are still in business.


In retrospect, we have to ask


ourselves how we got to the point of needing a bailout for banks in the first place. Banks were greedy. They approved loans for people that they knew would not be repaid; however, that was no concern


of theirs


since they had purchased a sort of insurance to cover themselves when the borrowers could not pay.


Today, I hear time and time again that banks are not lending, to


individual or small businesses, BY ANGELA JONES


As our organization prepares to host approximately 250 small business owners in Virginia Beach for the annual Virginia Small Businesses Thinking Big Conference, small businesses and individuals are faced with the burning dilemma: Do we continue to ask banks to honor the good faith effort that the federal


government (i.e. taxpayers)


made when we gave banks billions of dollars to keep them from “failing?” Or do we move on and move out of this tumultuous, one-sided relationship and move our money into other financial institutions such as credit unions?


TARP, Troubled Asset Relief Program originally authorized $700 billion to be spent bailing out banks in 2008. According to Bloomberg News, the true cost of the bailout was closer to 12.8 trillion when one considers the amount loaned, spent and guaranteed in the effort to rescue the U.S. economy.


to


Although I would prefer not dwell on the


understand the past so that we are not past, we have to


the billions of dollars they received from taxpayers. Once again I have to ask the question, why do people do business with institutions who treat them unfairly? If a depositor banks with an institution for many years and their loan officer looks down their nose at them and denies a loan that the depositor feels should have been approved, as Clark Howard would say, the depositor should “vote with his feet,” and familiarize himself with other options for borrowing, checking and saving. After all, it is the depositor's money that banks are lending to each other overnight to make a quick buck for themselves.


Many entrepreneurs are turning to crowdfunding to raise money for their ventures. Crowdfunding is the act of raising money for a project, usually through the internet, from contributions given by a large number of people. It would be unfortunate if the recipient of those funds turned around and deposited the funds into the same banks that are not making an honest effort to lend to the very people who funded their bailout. Or, perhaps banks will soon see the error of their ways and begin to engage with the community again rather than just continuing to sit on their billions.


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Black mothers who don't breast-feed may be at higher risk for an aggressive type of breast cancer, a new study suggests.


Researchers analyzed data from nearly 3,700 black breast cancer patients. About one-third of them had estrogen receptor-negative breast cancer -- a tumor subtype that is more common in black women and carries a higher risk of death.


Women with children were one-third more likely to develop these estrogen receptor-negative compared


breast tumors had children,


to those who never according to a team


led by Julie Palmer, professor of epidemiology at Boston University's Slone Epidemiology Center.


However, whether or not a mother breast-fed her infants seemed to influence her risk for the tumor, the study found.


For example, the results indicated that women who had four or more children but had never breast-fed were 68 percent more likely to develop an estrogen receptor-negative


breast


cancer, compared to women who had only one child but did breast-feed.


Breast cancer cells are often influenced by the presence of estrogen if they have certain "receptors" on the surface of the cell. So, breast cancer subtypes include estrogen receptor-negative and estrogen receptor-positive tumors.


When it came to estrogen receptor- positive tumors, the study found that women who had four or more children had a slightly lower risk for these cancers, whether or not they had breast-fed their babies.


The findings were published this month in the Journal of the National Cancer


Institute. The study was only designed to spot an association between a lack of breast-feeding and raised cancer risk, it could not prove cause and effect.


Prior research has found that the


overall risk of breast cancer may be higher during the first five or 10 years after a woman gives birth, with a reduction in risk after that


time.


However, this study suggests that the risk for estrogen receptor-negative breast cancer, at least, may persist.


"Breast cancer mortality is dispropor- tionately high in African American women of all ages, in part due to the higher incidence of estrogen receptor- negative


breast cancer, with fewer


targets for treatment," Palmer noted in a journal news release.


However, besides its well-known


benefits for baby, breast-feeding may be a "factor that could prevent some cases of this breast cancer subtype and reduce the number of African American women dying from this disease," she added.


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Volume 9 Number 2


October 2014


Breast-Feeding May Cut Risk for Aggressive Breast Cancer in African-American Women


Finding was specific to tough-to-treat estrogen receptor-negative tumors, researchers say


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