Using Capital One For Your Business Credit Card – Not So Good An Idea

I would not recommend using Capital One for your business credit card. The reason, they regularly forward your balance and payment information to the 3 consumer credit reporting agencies as well as the business credit reporting agencies. In other words, your business debt is affecting your personal credit score.  Most of the other major credit card companies do not do that.  And for very good reason.  Business and personal accounts are separate and distinct and should be kept that way.  Mixing the two is putting you, the entrepreneur, at a disadvantage in your personal life.  And that’s not good.

I don’t want to recommend any bank to use but I recommend you do the research. It should be noted that if you fail to pay on your business card over an extended length of time, all credit card companies will alert the consumer credit reporting agencies.

I had a very long discussion with Capital One about the error of their ways and how their practices are contrary to the spirit of business ownership. The representative promised to elevate my concerns to higher management. I have taken immediate action to close the account and transfer my business debt to a company more in tune with the business world and its needs.

 

President Donald Trump Should Step Down As President of the United States

 

It is time for President Donald Trump to step down as President of the United States and to do so as soon as possible. Most of his previous questionable activities could be explained as political and things that took place prior to him becoming president. But his current actions of denying reports from all of our security apparatus is something much more and something no American who loves his/her country can justify.

The president is in a position to hinder investigations, findings and reports of matters of national security. The American people cannot allow this to occur. If the president does not immediately take steps to remove himself from office, the House of Representatives should move forward, in a non-partisan manner, with impeachment proceedings.

Look Forward My Brother’s Picks for the 2018 Mid-Term Elections; And More

Here we are at the mid-term elections.  There are some very important issues for your consideration prior to your vote on June 26, 2018.  Study the issues carefully, research the candidates’ positions on topics of importance to you then cast your ballot.  Issues of special importance to me and my organization of Look Forward My Brother relate to immigration reform and the plight of the African American family.

Over the last couple of weeks, there has been much said about President Trump’s “Zero Tolerance” policy toward illegal aliens.  Specifically, what happens to the children of illegal alien adults whom the government will now prosecute?  Stories have flashed across the screen of children being forcibly removed from their parents; heartbreaking scenes.  Even if those scenes are not what they appear.

In a June 16, 2018 impassioned speech, Maryland Congressman Elijah Cummings, referring to the separation of children from their parents, stated that as a country, “we are better than that”.  Well, that’s not entirely true.  As a matter of fact, that’s not true at all if your hue is black.  When Martin O’Malley was mayor of Baltimore City, USA, he instituted “zero tolerance” policing in the city.  Because of that policy, tens-of- thousands of mainly Black males and females were arrested, finger printed, incarcerated and given criminal records.  A portion of those tens-of-thousands had families with children who were snatched away from their fathers and mothers.  And someone correct me if I am wrong but there were very few impassioned speeches about that those separations.  And we cannot forget the tens-of-thousands of Black males and females who have criminal records because of the 3 Strike and Out Laws which separated children from their parents.  Not much said about those separations either. It appears to me that if the separating is about other people’s children then it is a crisis.  If it is about our children then there is no major concern on the part of anyone; with the known exception of Look Forward My Brother.

The other thing about what is occurring at the border is illegal aliens bringing their children along to gain access to America.  This use to be a pretty good way to gain favorable rulings for entry into the country.  What many don’t know is that President Obama dealt with the same issue of border security and families.  In 2015, a court order based on the Flores document required that children no longer be held in detention over 20 days. President Obama was trying to keep families together but the court said no and the children had to be shipped out to cities and states all over the nation.  So what President Trump was doing was meeting the requirements of the 2015 court order by separating the children from those being prosecuted.  Now, in order to keep the families together, he is asking the court to extent the 20 days to an indefinite time period.

And for those who don’t recall, President Obama deported more illegal aliens than any president before him.  There were many marches asking President Obama to stop separating children from their families.  No big- to-do about that.  I wonder why?  Both president’s Obama and Trump attempted/are attempting, respectively, to deal with a very serious and divisive issue.

I have repeatedly tried to have our representatives talk about the unfair advantage of giving 11-30 million illegal aliens a path to citizenship.  This has been to no avail.  None of the politicians in the Democratic Party will touch this issue.  It’s not fair that they will not be up front with the Black community but what is even worse, the Black community and its leaders will not demand to know the answer.  For numerous reasons, mostly political, I have not asked any candidate to support any recommendations of mine regarding illegal aliens.  This is a complicated issue we as Black folks must first understand, and secondly, articulate a position for our representatives to take on our behalf.  But in the meantime, call or write your representative asking what the impact of 11-30 million illegal aliens becoming citizens will have on our community.  If they don’t respond, remember them when the next election rolls around.

With regard to the sad state of affairs of the Black family, it is almost criminal that no one in a leadership role will even talk about it.  Being part of the Baby Boomers generation, we were raised in solid families with solid family values.  What I am seeing today is foreign to what I observed growing up.  These broken families, headed by females with quite a few living below the poverty level, are for the most part dysfunctional.  And these dysfunctional families plight can be directly associated with previous laws, policies and procedures.  Zero tolerance, 3 Strike Out Laws, and Aid to families with dependent children (with stipulations of no man in the household and no gainful employment) are just 3 of the laws, policies and/or procedures which got our families to where we currently are.

For over 8 years I have attempted to get someone to address this issue.  And for over 8 years, the politicians will not touch it.  I mentioned this during the last presidential election as one of the reasons I would not vote for Hillary Clinton.  She made it perfectly clear that the families of illegal aliens were a priority in her first 100 days in office.  Not a word about our families.

Over my 8 plus years of Look Forward My Brother, I have contacted almost every Black politician in the State of Maryland as well as the NAACP under Ben Jealous and the Congressional Black Caucasus of Maryland regarding our family crisis.  Current candidates who gave me an audience and were receptive of my presentation on the crisis within the Black family are Sharon Middleton, Adrienne Jones, Dr. Jay Jalisi and Jill Carter.  I only asked that they support our efforts to propel this topic to the state and federal levels.

Congressman Cummings flatly refused to allow me to give my presentation to him or his staff.  After numerous attempts to meet with Ben Jealous or his staff at the NAACP, I received a missive advising that my request was being forwarded to Mr. Jealous.  But prior to anything taking place, Mr. Jealous resigned his position with the NAACP.  And I have not heard anything else from that organization or Mr. Jealous.  A reasonable person could easily come to the conclusion that neither the NAACP nor Mr. Jealous care about the plight of our families.

My presentation has been given to numerous organizations and politicians around the State of Maryland.  It has been very well received with much support for what we are attempting to do.

Because of their support for this worthwhile cause of putting our families back together and because of the outstanding job they are doing as representatives of the people, I am in support of Sharon Middleton, Adrienne Jones, Dr. Jay Jalisi and Jill Carter.  Also because of the outstanding job they are doing as representatives of the people, I am in support of Governor Larry Hogan and State’s Attorney for Baltimore City, Marilyn Mosby.

I would ask that you also consider casting your vote for the above mentioned.

“Together we stand as one united people of African ancestry”

Larry C. Smith, President
Look Forward My Brother

Leaders Of A Beautiful Struggle Must Not Be Politically Restrictive

Leaders of a Beautiful Struggle (LBS) is hosting a Democratic Candidates for Governor forum on June 2nd in Baltimore, Maryland USA. While this is nice, it, in my opinion, is not truly beneficial to the Black community. While restricting it to only Democrats, it is limiting our collective data base of facts and in its own way is attempting to direct our votes only to the Democratic candidates. We as a people do not have that luxury. We need the help of all who are in a position to assist. LBS should not get caught up in the “one party forever syndrome” and consider all things beneficial to our community and its people.

Are We Ever Going To Get Over Donald Trump Being President?

Are we Black folks ever going to get over President Donald Trump being president? The man is in office and that is a fact. Now believe it or not, he currently has the power of the pen. That is, he can do things for our community. And again, believe it or not, we need things done for our community. So let’s critically think the issues and make some sound decisions and try to get something for those less fortunate than yourself. And criticizing those who understand the power of the pen, well that’s not being forward thinking and is quite detrimental to our cause. Take a break, take a deep breath, step back and let those who understand the process move forward without your hindrance.

Baltimore’s Mandatory Sentencing Consideration, Maybe Not the Way to Proceed

So far (i.e., July 18, 2017 4:31 pm) there have been 189 homicides in our fair city of Baltimore, Maryland USA. Compare that to the nine, yes nine, combined combat related deaths of US soldiers in Afghanistan and Iraq. Sad to say but our combat troops are far safer in an active war zone than in Baltimore City.

There are a number of factors contributing to this carnage. And I would be the first to state that those factors should be considered when addressing a long term strategy to turn this situation around. But for now, we need some immediate short term action.

There are proposals for mandatory sentencing for anyone caught with an illegal gun. An illegal gun is any gun being carried (with a few allowances) within the State of Maryland for which no permit has been issued by the State of Maryland. The problem I have with this approach is that it does not consider some circumstances that could possibly warrant a law abiding citizen from doing just that. Example, the citizen hears cries of help from his neighbor or loved one a half block from his home. He/she notes multiple villains involved. Fearing for the safety of all, including them self, they pick up the family gun and head down the street. Technically, they would go to jail because of the law. And we also must remember how so many African American’s obtained criminal records during the sweeps in Baltimore to clear the corners.

My approach is very simplistic. We must first forgive our police department for some past errors and we must forgive ourselves for forcing the police department to apply police tactics to civic matters. We must then concentrate on those known trouble makers. From the minute they leave their place of residence to the time they return, law enforcement should be all over them. Stop them, search them, and make them know we know they are trouble. Most are on parole and if I am not mistaken, this would be a legal tactic.

Next law enforcement must get ahead of the curve when it comes to revenge killing. When there is a killing, find out the names of relatives, friends, etc. Let them know you are watching them. For those more-than-likely to seek street justice, monitor their everyday actions and let them know you are there. For both groups I have referred too, make it clear that if they don’t like what’s going on, leave our city.

It is war out there and I stand behind my proposals 100%.