DARR LL
BA S
P rt II of II
ATTOR EY
AT LAW
p
I L , Toyota
Motor Sal USA i inve ting $3
million over three ye in th
An I Urban Leagu Automotive
Training Center, which will recruit
train and help pi unemployedand
underemployed workers in automo­
tive repair job.
"Thi i mething not insignifi-
cant by any tandard," aid John W.
man.
Hi group i ending Jame
McDonald, owner of A. Berger Pa­
per Produc , to Japan in mid-May to
cultivate pro pecnve customers of'
hi fax and computer paper.
eRAl G MITII, uthor of the
Corporate Philanthropy Report, aid
that Japanese philanthropic dona:
tions in the United Stat ro e from
$ 0 million in 1986 to roughly $400
million by 1991. Although the pre­
ci breakdown i unclear, a fairpor­
tion of that money went to
African-American recipients.
··1 think there' been a hift from
the prestige givmg to cultural institu­
tions and universities toward minor­
ity and ocial causes," Smith said.
Anecdotal examples illustrate the
change. In Atlanta, Dr. Johnnetta B.
Cole, president of Spelman College,
a hi torically Black women's col­
lege, was given $120,000 from 12
corporations to establish a Japanese
studies program after she visited Ja­
pan.
.. We must make our own deter­
mination as to who the Japanese are
as a people. We can not simpli ti­
cally parrot what we hear, that the
Japanese are all racists," aid Cole.
Filmmaker Spike Lee, who's
been financially s ful in Amer­
ica, is also enjoyi ng a urge in Japan,
where he has established two cloth­
ing stores. They expect to take in
2.4 million in sales this year.
Black urban fashions are the rage
ument is led a Patient
t for Health Care Decisions.
Money Strategies by CHARLES GIVENS .
M t hospitals are familiar with
this f rm, it can drafted by an
ttorney. The patient advocate is a
rson (re1ativ or friend) who will
make all medical decisions for you.
Two d IS (doctor or psycbolo- .
gist) must decide that you canoot par­
ticipate in medical treatment
d . ions.
fJ1er that happens your patient ad­
v tc l given the authority to make
all medical d . ions. The patient ad­
vocate can remov you from any
medical treatment. This includ life
up rt machines.
the runaway train' stopped.
Bad chec charges have become
one of the biggest profit centers in the
banking bu in . It costs the bank
only about $1 to process an NSF
check.
Many banks will even bounce the
check if your ccount is only 10 or 20
cents hart. If you write a check for
$98 and you have $97.80 in your
account, rhe computer automatically
sends the check bac and charges your
account $20.
Deal with a bank or banker that
won't brand you a loser simply
because you made an error in your
account. Get the bank's policies on
nonsufficient funds checks in writing
so you know what to expect. Arrange
to bave any ovetdraft ch r d to yo
vings account, your MasterCard,
VISA or to a line of credit that the
bank will set up for you.
You-VC written a chec to a local
merchant 0 nds it to the bank.
The bank ltampl NSF (nqnsuOicient
fun ) on your chec sends it bac to
the merchant and charges your
ceount $20 for the trouble.
The merchant redeposits your
chec hoping that the funds will be
there. If not, the bank once again
returns your chec and charges your
ccount another d chec fee of $20
and stamps your check "endorsement
canceled" 10 that it cannot be deposit­
ed a third time. The merchant makes
you bring cash to the tore to cover
the bad check, plus charges you
another $15.
Strategy: Open a bank account with
automatic overdraft privileges. If you
run your c�king ccount close to the
wire, that bad check charge can start
the chain reaction of bouncing at er
checks. It is not unusual for t .
proce to cost $100 to $200 bef
"THE FRICAN-AMERI·
CAN community has an increasing
voice in the American political and
economic tructure, They are in­
creasingly playing a leadership role
in American oclety, witness the ar­
ray of Black leaders in the Clinton
administration," he aid.
Money al 0 talks.
"The African-American market
is also a big market, a more than $300
billion market," Hinata noted.
YOU DE IDE to have
any of the above I gal documens talk
to your family thendecideifyounecd
an attorney. If the matter seems com­
pli ed, talk to an attorney. Don't let
omeoneelse make a decision for you.
Remem r your ta is just
val uabl as the next car, bouse or meal
you buy. If you don't make the ded­
i ns meone e e will.
Kathryn Leary, a consultant who
has helped lead an effort to build
stronger African American commer­
cial relations w1th Japan, aid"a
. e d pan of it i discovering
there's a very good talent pool they
, \ didn know existed."
She recently took a group of high- .
level Japanese executives on a tour
in New York.
TIlED een a
Durable Pow r of Attorney aM a
I Guardianship I that with a wer of
attorney the Probat Court i not in­
volved. No hcarin are needed and
your busines remains private.
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