Priceless Vol 10 Number 1


Personal and Professional Empowerment www.hamptonroadsmessenger.com


An Evening in 'The Hamptons' with Delegate Jeion Ward


Page 8


Governor McAuliffe Announces Restoration of Rights for Over 10,000 People


10th Annual Virginia CaribFest Photos


Page 9


Free September 2015 Serving Norfolk, Portsmouth, Chesapeake, Hampton, Newport News, Suffolk, and Virginia Beach since 2006


Norfolk Chapter of Kappa Alpha Psi


Page 7


White House HBCU All-Stars Have Ties to Hampton Roads


Danielle Hawkins


Jasmine Dunbar


Miles Jenkins


Angelica Willis RICHMOND – Governor


Terry McAuliffe has announced that his administration restored the voting and civil of 10,009 individuals.


McAuliffe administration has restored the rights of more Virginians


Governor in a four year term. “I am so proud of the work


my team has done processing more than 10,000 of these important requests, and also making key changes to the process to make it more fair and accessible to Virginians,” said Governor McAuliffe. “Restoring


the rights of


Virginians who have made a mistake and paid the price is one of my Administration’s top priorities and I look forward to continuing to make history on this critical issue.”


Since the beginning of Governor McAuliffe’s term, he


rights The


than any other


has implemented key changes to


the restoration of rights


process. First, he removed the requirement to pay court fees before submitting a restoration of rights application. Although individuals


the fees at a later time, it is no longer a barrier in the application


process. Second,


serious offenders are now required to wait three years instead of five years to apply. Third, the application is now one page long - down from 13 pages. Fourth, criminal records will have a restoration of rights notation once an individual has been restored. Fifth, all drug convictions are now classified as non-violent offenses.


“It is an honor to work with Governor McAuliffe and our talented team to help more Virginians who have made a mistake get a second chance


RIGHTS PAGE 4 This Edition’s Highlights


Health Editorial Technology


Make Millions with Multiple Streams of Income Health Watchdog Put E-Cigarette Manufacturers On Notice


Google CEO, Sundar Pichai's Story


Hampton Roads Upcoming Events Scholarships Watch


Non-Profits Sought to Be Official One City Marathon Charities Fall Festival and Anniversary Celebration Voice of Democracy Scholarship Program


6 4 4


12 13 14


These students represent some of the White House HBCU All-Stars with ties to Hampton Roads: Jasmine Dunbar is a history major at Norfolk State University; Danielle Hawkins is a senior, broadcast journalism major at Hampton University; Miles Jenkins is a junior business management major at Hampton University; and Angelica Willis is a junior computer science major at North Carolina A&T, who completed an internship at NASA in Hampton. To learn more about these students and their impressive accomplishments, visit hamptonroadsmessenger.com.


still have to pay ments in


The White House Initiative on Historically Black Colleges and Universities (WHIHBCUs) has announced its 2015 HBCU All-Stars, recognizing 83 undergraduate, graduate, and professional


students academics, engagement.


The All-Stars were selected from more than 450 students who submitted applications that included a transcript, resume, essay, and recommendation. Over the course of the year,


for their accomplish- leadership, and civic


the HBCU All-Stars will serve as ambassadors of the WHIHBCUs by providing outreach and communication with their fellow students about the value of education and the role of the Initiative as a networking resource. Through social media and their


relationships with


community based organizations, the All-Stars will share promising and proven practices that support opportunities for all young people to achieve their educational and career potential.


“The Obama


A Forward Look at Reverse Mortgages


Every day,


a pproxima t e l y 10,000 people in the United States turn age 62, according to the Census Bureau. And if they are homeowners, they may be eligible to borrow against


a


portion of the equity in their house by using a loan called a "reverse mortgage." Unlike a traditional mortgage, for which


the borrower makes payments to the lender, with a reverse mortgage the lender pays the borrower the money requested and does not expect to be repaid until after the borrower no longer lives in the home. But as FDIC Counsel Richard Schwartz noted, "While a reverse mortgage can be used to supplement monthly income, obtain lump-sum cash or otherwise help a senior citizen 'age in place,' some borrowers may face unintended obstacles and


Administration is ALL-STARS PAGE 5


consequences, especially if they no longer have the ability to pay taxes or property insurance."


FDIC Consumer News last reported


on reverse mortgages in our Summer 2013 issue. Here is an update with a couple of new developments.


New rules from HUD add protections for


certain surviving spouses after the death of a reverse mortgage borrower. The most popular


REVERSE MORTGAGES PAGE 14


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16