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Veterans Post

Help for Financial Stresses

BYLINE: By Freddy Groves

If your debts are so bad the stress of it is making you physically ill, you’re not alone. And if the weight of it all is stressing you mentally, you’re not alone there either. The past several years, with the economy and Covid and everything else, have made many of us wonder if there’s hope.
But yes … there is hope. The Department of Veterans Affairs has created the National Veterans Financial Resource Center (FINVET).
The purpose of FINVET is to help veterans learn to manage finances and handle the mental uncertainty of debt — and lower the risk of suicide, which can come with the stresses of finances.
The website (www.mirecc.va.gov/visn19/finvet) has tools, videos, calculators and resources for five different money-related issues: paying for essentials, saving money, increasing your income, managing debt and protecting your money.
Depending on your situation, one of those might be more important than the other right now, but they all have value.
Protecting your money can be a big one, with scammers on the line each time you answer the phone. Dozens of scams are identified, from payday lending to identity theft and scams aimed directly at veterans. Get familiar with all that the page has to offer so you’re not caught unaware.
Managing debt sometimes takes more than just additional income. Often it requires good information with advice and tools or learning ways to improve your credit score so you qualify for lower interest rates on big purchases like vehicles.
Paying for essentials can be a serious problem as well. Check the website for the many sources of help, ranging from emergency food assistance, to the national hunger hotline, to housing counselors.
The whole FINVET website is very well done, with mountains of good information no matter your financial situation, everything in one place. Bookmark the page so you can find your way back as time goes on and your situation changes.
And don’t give up. Sometimes all you need to fix a financial situation is information and a bit of support.

The Black Soul Music Experience Podcast

The Black Soul Music Experience Podcast where i do the history of Black Music by bringing in special guests from all generes of Black Music: musicians and those who were musicians, former radio d.j. personalities, d.j’s who does gigs, music historians, and those who once worked for music record companies. It’s on every Tuesdays available on Apple, Spotify/Riverside,Google, Amazon Music ,I-Heart Radio and Pocket Casts.

CONSUMER ALERT: THE NEW YORK DEPARTMENT OF STATE’S DIVISION OF CONSUMER PROTECTION REMINDS NEW YORKERS ABOUT RENTAL SCAMS

Avoid Sending Money for Rental Properties Without Verifying the Legitimacy of the Listing

Secretary Rodriguez said, “In today’s highly competitive housing market, renters are often targeted by scammers who use enticing offers to steal their hard-earned money.” Video Here: English and Spanish

Follow the New York Department of State on FacebookTwitter and Instagram for “Tuesday’s Tips” – Practical Tips to Educate and Empower New York Consumers on a Variety of Topics 

For this week’s “Tuesday’s Tips,” the New York Department of State’s Division of Consumer Protection is sharing tips to help New Yorkers identify and avoid rental scams. Rental scams are executed in a variety of different ways, but the goal is the same: bilk potential tenants out of as much money as possible or steal their personal information.

“In today’s highly competitive housing market, renters are often targeted by scammers who use enticing offers to steal New Yorkers’ hard-earned money,” Secretary of State Robert J. Rodriguez said. “Finding a place to live can be stressful enough without the added worry of being scammed, so I encourage consumers to follow our tips and learn how to spot a potential scam when looking for a new residence.”

Looking for a rental home or apartment can be an expensive and time-consuming process.  Renters are often competing for limited housing or looking for deals, and scammers are quick to take advantage of them. Rental scams do not just harm renters, they can severely damage the reputations and livelihoods of New York’s honest, hardworking real estate agents as well.

In 2023, the FBI received 9,521 real estate/rental scam related complaints with losses of over $145 million.

To help prevent a costly mistake, below are key tips on how to identify and avoid rental scams:

  1. Confirm that the rental listing is legitimate and verify the source of the listing. Scammers often post fake listings of properties that are not on the market, or may copy a photo or description of a property from another source to use in their ad. A few minutes of research can prevent you from putting a security deposit on a fraudulent rental or handing over your personal information. To verify if a rental is legitimate:
  • Search the location’s address. If ads come up for the same address, but with a different owner, rental company or rent amount, that’s a sign it could be a scam.
  • Run a reverse image search and see if you can find the listing anywhere else on the internet. Scammers may use photos from a legitimate listing to create a phony one. If you perform a reverse image search and find another listing of the home or apartment with a different address or contact information, that’s a red flag that it could be a scam. There are many reputable free reverse image search platforms online.
  • Visit real estate websites and see if the rental you want is also listed in another city or available on another website with a different email address or contact information.
  1. 2Verify the identity of any Real Estate Professional. Confirm that the real estate professional you’re working with is licensed in New York by following these steps:
  • Visit the eAccessNY Occupational Licensing Management System to look up their license.
  • nduct an independent online search for that real estate agent or broker and call the office phone number to confirm they are the agent handling the listing and to verify their contact information included in the listing.
  • Request to see a copy of the Department of State issued photo license and arrange an in-person or video meeting to compare the ID.
  • See what other people have to say. Look for complaints about the company or agent.
  1. Inspect the Premises. Avoid completing background checks, signing a lease agreement or paying any advance fees or deposits before having an opportunity to inspect the premises.
  2. Be suspicious if asked to use payment methods that are untraceable. Scammers generally conduct transactions by phone, text message or email and often ask for payment by wire transfer, prepaid debit card, money-transfer app, cryptocurrency, or other methods of payment that are not easily traceable. Instead, pay by check or credit card and get receipts for any payments.
  3. Make payments to the brokerage of record. In New York, it is unlawful for a real estate person to demand a fee directly from the prospective tenant. Fees are paid to the brokerage where the agent is associated with and the broker pays the agent for their services.
  4. Request everything in writing. It is always better to leave a paper trail. Real estate professionals are required by law to provide you with copies of all instruments relating to the transaction.
  5. Don’t give in to high-pressure sales tactics. Scammers may urge you to rent quickly before someone else gets the property, prompting you to possibly miss an important step in the evaluation process. While the rental market is tough right now with low supply and high demand, remember to be cautious about all the steps involved in a real estate transaction – including carefully reviewing the lease agreement and verifying the identity of those you are engaged with during the rental transaction.
  6. Protect your privacy. Scammers often request personal information and money for background checks, then disappear. Refrain from providing personal information or your social security number unless you are absolutely sure you are dealing with a reputable business or agent.

About the New York State Division of Consumer Protection
The New York State Division of Consumer Protection provides resources and education materials to consumers, as well as voluntary mediation services between consumers and businesses. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/consumer-protection.

For other consumer protection tips and consumer alerts, consumers can visit the DCP website or follow DCP on social media via Twitter at @NYSConsumer or Facebook at www.facebook.com/nysconsumer.

BIBLE TRIVIA

BYLINE: By Wilson Casey

1. Is the book of Iscariot (KJV) in the Old or New Testament or neither?
2. From Matthew 28:2, who rolled back the stone from the door of Jesus’ tomb and sat upon it? Simon, An angel, Villagers, Disciples
3. When Mary Magdalene and “the other Mary” came upon the risen Jesus, who did He ask them to inform? Priests, Disciples, No one, Villagers
4. From John 20, which disciple doubted Jesus had risen unless he could see the wounds? Peter, Andrew, Thomas, Thaddeus
5. How long did Jesus remain after His resurrection before He ascended into heaven? Instantaneously, 1 hour, 7 days, 40 days
6. According to the apostle Paul, more than what number of people saw the risen Christ at one time? 100, 300, 500, 1,000
ANSWERS: 1) Neither, 2) An angel, 3) Disciples, 3) Thomas (called Didymus), 4) 40 days (Acts 1:3), 5) 500 (1 Cor 15:3-8)
Find expanded trivia online with Wilson Casey at www.patreon.com/triviaguy. FREE TRIAL!

CONSUMER ALERT: New York Department of State’s Division of Consumer Protection Provides Tips for Consumers Planning Spring and Summer Travel

 

New Yorkers Should Know Their Rights and Be Aware of Travel Scams 

Follow the New York Department of State on FacebookTwitter and Instagram for “Tuesday’s Tips” – Practical Tips to Educate and Empower New York Consumers on a Variety of Topics

Secretary Robert J. Rodriguez: “Following our tips can help consumers safely book and enjoy their vacations while steering clear of scammers and protecting their hard-earned money.”

For this week’s “Tuesday’s Tips,” the New York Department of State’s Division of Consumer Protection is providing tips to consumers planning for spring and summer travel. As New Yorkers begin traveling again, consumers should be informed of their rights, shop smartly to safeguard their hard-earned money and stay vigilant to protect themselves from scams. Follow the New York Department of State on FacebookTwitter and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here.

“As warmer weather approaches and New Yorkers begin planning their spring and summer travels, it’s important to be on the lookout for red flags that could derail your trip before it even begins,” said Secretary of State Robert J. Rodriguez. “Following our tips can help consumers safely book and enjoy their vacations while steering clear of scammers and protecting their hard-earned money.”

SHOPPING SMART FOR TRAVEL

There are basic travel tips that consumers should be aware of when they are booking travel:

  • Plan For Possible Cancellations and Delays. Pack a change of clothes, electronic device chargers and snacks in your carry-on luggage to support travel disruptions. A cancellation that impacts your return home will require additional resources, budget for an extra day or two to sustain until you can get home.
  • Book early morning tickets. You will have greater options for getting to your destination on time.
  • Consider traveling to a larger airport. Larger metropolitan airports offer more direct flights than regional airports. Direct flights avoid missed connections and cancellations in a city outside of your hometown or destination.
  • Do your research. Consumers should always weigh in the factors of a trip before purchase, including price, location, availability of activities and cancellation policies. Also consider whether the location has any Covid-19 restrictions in place, such as testing or vaccination status, prior to booking the trip.
  • Get all confirmations in writing. To safeguard against scams via changes in agreements, consumers should always get confirmation of plans in writing, whether booking online, over the phone, or in person. Retailers are required to disclose terms and conditions to consumers—always receive a copy of the agreement and save it for reference.
  • Beware of “all inclusive” or too good to be true offers. All-inclusive offers sound great but can have hidden charges and fees in their terms and conditions. Consumers may not even be aware of such fees until check-out, when their bill is higher than advertised. Sometimes these offers come with an agreement to join a membership or participate in a presentation. Always inquire about mandatory fees that may not appear in the advertised price, such as resort fees and taxes. Read the fine print when taking advantage of an “all-inclusive” offer.
  • Try to pay with a credit card, if you can. Credit cards often offer more protection than paying by cash, check or debit card. Some credit card companies also offer perks like trip insurance or concierge service while traveling and may offer additional protections if the trip is cancelled. Check with your credit card company on the conditions of travel expenditure reimbursement.
  • Review your travel agreements. Did you know you have an opportunity to cancel a travel agreement? The New York State Truth in Travel Act safeguards consumers against fraud, false advertising, misrepresentation, and other abuses. Travel agents and promoters must provide consumers with written disclosures of all the terms of the travel service within five days of purchase or agreement. Consumers should review the terms of the agreements fully upon receipt and ensure they align with what the consumer purchased. Consumers have until midnight of the third business day after receiving the agreement to cancel. Consumers can also cancel any time during the five-day period prior to receiving the disclosures.
  • Use reputable travel agents/tour companies. Consumers should research thoroughly before choosing an agent or company to work with. Keep track of arrangements and contracts, and review terms and conditions, especially the cancellation and refund policies. Reservations often require a deposit that may not be refundable. If the trip is cancelled, the deposit might only be applied toward future travel or may be forfeited altogether. Consumers should be sure they understand the policy prior to putting down a deposit.
  • Consider trip insurance and whether you need a ‘Cancel for Any Reason’ policy. Travel insurance can offer consumers relief in case of emergency before or during their trip, as coverage ranges from incidents of lost baggage to missed connections to potential medical emergencies. However, most standard travel insurance policies do not cover trip interruption or cancellation due to COVID-19 because such standard policies usually exclude coverage for an epidemic, pandemic, or similar public health event. Some trip insurance plans offer ‘Cancel for Any Reason’ coverage at an additional cost, which is often substantially higher than standard travel insurance and normally only allows up to 75 percent refund of traveler expenses if the trip is cancelled.?Prior to purchasing a plan, review the terms of the policy and ask your insurer about coverage that may be excluded.

TRIP CANCELLATION

When all or part of a trip is cancelled, the cancellation policy and a consumer’s right to a refund will vary based on laws that regulate the company’s industry, who initiates the cancellation, when the cancellation is made, and the company’s own policy.

  • Airlines. According to the U.S. Department of Transportation, airlines may offer refunds, including the ticket price and any optional fees charged, for cancelled or significantly delayed flights, even when flight disruptions are outside their control. If an airline isn’t doing that, consumers can report it to the U.S. Department of Transportation. If consumers cancel a reservation for any reason, consumers will be subject to the refund policy agreed to at the time of purchase, which may be no refund at all.
  • Cruise Lines. Refund options may vary by cruise line. The cruise ticket contract lays out the company’s cancellation policies and your rights. For example, you may be offered a refund, credit, or voucher for a future cruise. If you opt for a credit or voucher, make sure the expiration date is far enough out that you can use it. Read more from the Federal Maritime Commission about consumer rights and the recourse that might be available to you.
  • Lodging. Cancellation policies for hotels, motels, and online accommodation marketplaces can vary greatly, even within the same company based on the season, room type, or length of stay. Some may offer a choice between a refundable or nonrefundable rate while making the reservation. Be sure you fully understand the cancellation policy prior to making a reservation.

If a consumer is having trouble getting a refund owed for all or part of a cancelled trip, they are encouraged to file a complaint with New York’s Division of Consumer Protection.

SIGNS OF A TRAVEL SCAM

The Federal Trade Commission warns against common travel scams. Some signs of a scam when booking travel include the following:

  • You have “won” a free vacation. Scammers will sometimes entice consumers with a free trip, but then disclose fees or deposits to get access. A prize should not include spending money and is likely a scam.
  • The details of your trip are vague. Consumers may be offered a stay in a five-star hotel or on a luxury cruise line, but then few details about the trip are presented. Always confirm and review the name of the company and location of the trip details.
  • You have limited time to accept the offer. Scammers often pressure consumers to make quick decisions about a deal, making it likely that the consumer will not have time to investigate the offer. Never feel pressured to agree to any terms you have not reviewed on your own.
  • You must pay in an uncommon way. Cryptocurrency, wire transfer, and gift cards are difficult to trace and perfect for scammers looking to take advantage of consumers, who will not be able to recoup their losses if they pay this way. If a travel company insists that you pay in one of these ways, decline the offer and report the company.

About the New York State Division of Consumer Protection
The New York State Division of Consumer Protection serves to educate, assist and empower the State’s consumers. Consumers can file a complaint with the Division of Consumer Protection at https://dos.ny.gov/consumer-protection.

For more consumer protection information, call the Division of Consumer Protection Helpline at 800-697-1220, Monday through Friday, 8:30am-4:30pm or visit the DCP website at https://dos.ny.gov/consumer-protection. The Division can also be reached via Twitter at @NYSConsumer or Facebook at www.facebook.com/nysconsumer.

New York State Division of Consumer Protection Warns the Military Community to be Aware of Scams Targeting Servicemembers

Secretary of State Robert Rodriguez Offers Tips to Increase Awareness to Help Prevent Fraud

July is Military Consumer Protection Month

The New York State Division of Consumer Protection (DCP) reminds active service members, veterans, and their families to be on alert for scams targeting the military community. The rise in these scams take a variety of forms such as deceptive financial services, identity theft, online shopping, employment and even impersonation, just to name a few. In recognition of Military Consumer Protection Month, DCP supports servicemembers by providing targeted scam prevention tips for the military community to empower them with actionable fraud prevention tips for greater awareness and control over their finances.

Scams are surging nationwide, and members of the military community are frequent targets of scammers. Many service members are young, often live away from home with frequent relocations and are managing their own finances for the first time. They collect steady paychecks and receive a range of benefits, which makes them attractive targets for opportunistic scammers. According to Federal Trade Commission (FTC) data, fraud cost veterans, service members and their families $267 million in 2021, an astonishing 162 percent increase from the previous year. Furthermore, the median loss for military scam victims was $600, which is 20 percent higher than for the general public.

“In 2021, New York State had more than 20,000 active service members, and we recognize their sacrifices and unique challenges,” said Secretary of State Robert J. Rodriguez, who oversees the Division of Consumer Protection. “We are grateful for their service and everything they do to protect our nation, so it is especially important that we shield these brave men and women from financial and reputational harm.”

“The men and women of our New York National Guard appreciate the consumer protection support provided by New York State, alongside the thousands of other service members stationed across our great State,” said Major General Ray Shields, the Adjutant General of New York. “Highlighting these tips and raising awareness across the military helps strengthen individual and family preparedness to confront business scams designed to target our uniformed men and women. We thank New York state for placing attention on this important issue.”

The NYS Division of Consumer Protection recommends the following scam precautions for active duty servicemembers to help identify when something isn’t right to ensure that they are prepared to protect their personal information, accounts, identity, and money from fraudulent practices.

SCAM PREVENTION TIPS FOR ACTIVE-DUTY SERVICE MEMBERS:

TIP #1: PREVENT IDENTITY THEFT BY USING AN “ACTIVE-DUTY ALERT”

The Federal Trade Commission (FTC) reports that active duty servicemembers file reports of identity theft at much higher rates than non-military consumers. If you are called to active duty, put an “Active-Duty Alert” on your credit report to minimize your risk for identity theft. Benefits include:

  • Businesses must verify identity before issuing new credit
  • Lasts one year but is renewable
  • Removes names from marketing lists for unsolicited credit and insurance offers for two years

To add an Active-Duty Alert on your credit report, contact any one of the three main credit reporting agencies. Once you have placed an Active-Duty Alert on your credit report with one of the bureaus, that bureau will send a request to the other two bureaus to do the same, so you do not have to contact all three. https://www.identitytheft.gov/#/CreditBureauContacts

TIP #2: PROTECT YOUR PURCHASES AND INVESTMENTS

No matter where you shop, you should do your research first. It’s important to search online for credible opinions from trusted sources and compare reviews from a variety of websites.

Know what to look for when buying or selling a vehicle:

A vehicle is one of the most expensive purchases you will make. If you are buying or selling a vehicle, below are a few red flags to look for:

  • Be skeptical of so-called “military friendly” sellers:
    • Scammers often do this to get you to let down your guard. Be wary of anyone that is offering an “incredible deal,” sometimes claiming to be the family of a servicemember who was recently deployed or died in combat. In both situations, the scammer is using servicemember affinity to discourage you from looking too closely at the deal or negotiating in good faith.

  • Be cautious of fake websites or fake listings:
    • These fake websites often post ads that offer false discounts for military personnel and upfront fees that require a wire transfer.

    • Scammers often list vehicles for sale on online marketplaces like eBay, Facebook, and Craigslist. The scammers collect a deposit or the advertised price of the vehicle and then disappear.

  • If you’re buying:
    • Research the vehicle and its cost. Some dealers try to overcharge service members, offer unfavorable terms, or add on expensive optional products, like paint protection, service contracts or Guaranteed Asset Protection (GAP) insurance.

    • Don’t act on impulse or pressure. Salespeople will often want you to buy the car immediately but take the time to research the price and check out the car carefully, including getting a used vehicle history report.

  • If you are selling or trading in a vehicle, use a resource like Kelley Blue Book, Edmunds, or the National Automobile Dealers Association’s Guides to determine how much your current car is worth.

  • If financing, do extensive research to understand your options. Be wary of “instant approval” military loans (“no credit check,” “all ranks approved”) that can have high interest rates and hidden fees.

Learn to identify fake rental properties:

Scammers will often steal a photo from the internet to create a fake rental listing in an effort to steal your deposits or the private information on your rental application. Be cautious of listings that are advertising an unusually low rent or are much nicer than other properties at that price point. Make sure to pay any application fees or deposits by check or credit card. If you are required to pay a fee via wire transfer or money transfer app to see the property, it’s usually a fake.

TIP #3: KNOW WHO YOU ARE DEALING WITH

  • Imposter scam artists will often portray themselves as someone they are not to trick you into giving them your personal information or money. They may pose as a friend on social media, a romantic interest on a dating app, or a fellow service member to gain your trust. If anyone reaches out to you over social media, email, phone, text, or dating apps and asks for money or financial information, ignore them, and report the fraud. Never provide personal or financial information to someone if you did not initiate contact with them. These are often attempts to steal your identity and gain access to your money.

  • If a debt collector contacts you and you don’t recognize the company or the debt, first request information to ensure the debt collector and the debt are both legitimate. Unscrupulous debt collectors will often insist you owe a debt even if you don’t.

  • Be wary if you are asked to pay in an unusual manner, such as a money transfer app or by using a reloadable gift card. These methods are untraceable, and it’s nearly impossible to get your money back.

  • Be suspicious of anyone who communicates exclusively through social media, messaging apps or email. Be especially wary of those who refuse to give you alternate methods to contact them.

New York State Division of Consumer Protection serves to educate, assist, and empower the State’s consumers. If you’ve been a victim of identity theft, a scam or have questions about whom you are dealing with, contact the Division’s Consumer Assistance Helpline at 1-800-697-1220 on Monday through Friday from 8:30am to 4:30pm, excluding State Holidays. You may also file a consumer complaint any time at https://dos.ny.gov/consumer-protection

For more consumer protection tips, follow the Division on social media at Twitter: @NYSConsumer and Facebook: www.facebook.com/nysconsumer.

UPDATED w/VIDEO - Military Scam Tips Consumer Alert: New York State Division of Consumer Protection Warns the Military Community to be Aware of Scams Targeting Servicemembers

Secretary of State Robert Rodriguez Offers Tips to Increase Awareness to Help Prevent Fraud

July is Military Consumer Protection Month

The New York State Division of Consumer Protection (DCP) reminds active service members, veterans, and their families to be on alert for scams targeting the military community. The rise in these scams take a variety of forms such as deceptive financial services, identity theft, online shopping, employment and even impersonation, just to name a few. In recognition of Military Consumer Protection Month, DCP supports servicemembers by providing targeted scam prevention tips for the military community to empower them with actionable fraud prevention tips for greater awareness and control over their finances.

Scams are surging nationwide, and members of the military community are frequent targets of scammers. Many service members are young, often live away from home with frequent relocations and are managing their own finances for the first time. They collect steady paychecks and receive a range of benefits, which makes them attractive targets for opportunistic scammers. According to Federal Trade Commission (FTC) data, fraud cost veterans, service members and their families $267 million in 2021, an astonishing 162 percent increase from the previous year. Furthermore, the median loss for military scam victims was $600, which is 20 percent higher than for the general public.

“In 2021, New York State had more than 20,000 active service members, and we recognize their sacrifices and unique challenges,” said Secretary of State Robert J. Rodriguez, who oversees the Division of Consumer Protection. “We are grateful for their service and everything they do to protect our nation, so it is especially important that we shield these brave men and women from financial and reputational harm.”

“The men and women of our New York National Guard appreciate the consumer protection support provided by New York State, alongside the thousands of other service members stationed across our great State,” said Major General Ray Shields, the Adjutant General of New York. “Highlighting these tips and raising awareness across the military helps strengthen individual and family preparedness to confront business scams designed to target our uniformed men and women. We thank New York state for placing attention on this important issue.”

The NYS Division of Consumer Protection recommends the following scam precautions for active duty servicemembers to help identify when something isn’t right to ensure that they are prepared to protect their personal information, accounts, identity, and money from fraudulent practices.

SCAM PREVENTION TIPS FOR ACTIVE-DUTY SERVICE MEMBERS:

TIP #1: PREVENT IDENTITY THEFT BY USING AN “ACTIVE-DUTY ALERT”

The Federal Trade Commission (FTC) reports that active duty servicemembers file reports of identity theft at much higher rates than non-military consumers. If you are called to active duty, put an “Active-Duty Alert” on your credit report to minimize your risk for identity theft. Benefits include:

  • Businesses must verify identity before issuing new credit
  • Lasts one year but is renewable
  • Removes names from marketing lists for unsolicited credit and insurance offers for two years

To add an Active-Duty Alert on your credit report, contact any one of the three main credit reporting agencies. Once you have placed an Active-Duty Alert on your credit report with one of the bureaus, that bureau will send a request to the other two bureaus to do the same, so you do not have to contact all three. https://www.identitytheft.gov/#/CreditBureauContacts

TIP #2: PROTECT YOUR PURCHASES AND INVESTMENTS

No matter where you shop, you should do your research first. It’s important to search online for credible opinions from trusted sources and compare reviews from a variety of websites.

Know what to look for when buying or selling a vehicle:

A vehicle is one of the most expensive purchases you will make. If you are buying or selling a vehicle, below are a few red flags to look for:

  • Be skeptical of so-called “military friendly” sellers:
    • Scammers often do this to get you to let down your guard. Be wary of anyone that is offering an “incredible deal,” sometimes claiming to be the family of a servicemember who was recently deployed or died in combat. In both situations, the scammer is using servicemember affinity to discourage you from looking too closely at the deal or negotiating in good faith.

  • Be cautious of fake websites or fake listings:
    • These fake websites often post ads that offer false discounts for military personnel and upfront fees that require a wire transfer.

    • Scammers often list vehicles for sale on online marketplaces like eBay, Facebook, and Craigslist. The scammers collect a deposit or the advertised price of the vehicle and then disappear.

  • If you’re buying:
    • Research the vehicle and its cost. Some dealers try to overcharge service members, offer unfavorable terms, or add on expensive optional products, like paint protection, service contracts or Guaranteed Asset Protection (GAP) insurance.

    • Don’t act on impulse or pressure. Salespeople will often want you to buy the car immediately but take the time to research the price and check out the car carefully, including getting a used vehicle history report.

  • If you are selling or trading in a vehicle, use a resource like Kelley Blue Book, Edmunds, or the National Automobile Dealers Association’s Guides to determine how much your current car is worth.

  • If financing, do extensive research to understand your options. Be wary of “instant approval” military loans (“no credit check,” “all ranks approved”) that can have high interest rates and hidden fees.

Learn to identify fake rental properties:

Scammers will often steal a photo from the internet to create a fake rental listing in an effort to steal your deposits or the private information on your rental application. Be cautious of listings that are advertising an unusually low rent or are much nicer than other properties at that price point. Make sure to pay any application fees or deposits by check or credit card. If you are required to pay a fee via wire transfer or money transfer app to see the property, it’s usually a fake.

TIP #3: KNOW WHO YOU ARE DEALING WITH

  • Imposter scam artists will often portray themselves as someone they are not to trick you into giving them your personal information or money. They may pose as a friend on social media, a romantic interest on a dating app, or a fellow service member to gain your trust. If anyone reaches out to you over social media, email, phone, text, or dating apps and asks for money or financial information, ignore them, and report the fraud. Never provide personal or financial information to someone if you did not initiate contact with them. These are often attempts to steal your identity and gain access to your money.

  • If a debt collector contacts you and you don’t recognize the company or the debt, first request information to ensure the debt collector and the debt are both legitimate. Unscrupulous debt collectors will often insist you owe a debt even if you don’t.

  • Be wary if you are asked to pay in an unusual manner, such as a money transfer app or by using a reloadable gift card. These methods are untraceable, and it’s nearly impossible to get your money back.

  • Be suspicious of anyone who communicates exclusively through social media, messaging apps or email. Be especially wary of those who refuse to give you alternate methods to contact them.

New York State Division of Consumer Protection serves to educate, assist, and empower the State’s consumers. If you’ve been a victim of identity theft, a scam or have questions about whom you are dealing with, contact the Division’s Consumer Assistance Helpline at 1-800-697-1220 on Monday through Friday from 8:30am to 4:30pm, excluding State Holidays. You may also file a consumer complaint any time at https://dos.ny.gov/consumer-protection

For more consumer protection tips, follow the Division on social media at Twitter: @NYSConsumer and Facebook: www.facebook.com/nysconsumer.

New Yorkers with Disabilities

You can access resources for New Yorkers with disabilities, including mental health support, food resources, transportation, utilities, housing and more from the NYC Mayor’s Office for People with Disabilities COVID-19 resource page here. You may also contact my office at 212-828-5829 or at serrano@nysenate.gov.

Making Bible Study Relevant in the Digital Age

New interactive learning platform incorporates 

technology and multimedia

As Hudson Valley families settle into the new school year, thousands of residents will be focused on a different kind of education.

This month, Jehovah’s Witnesses are featuring a new interactive educational platform to help make Bible study more engaging and easier to understand: Enjoy Life Forever! — An Interactive Bible Course. This free publication, available in more than 700 languages on the Witnesses’ official website, jw.org, includes multimedia elements that encourage critical thinking and discussion between the student and instructor. 

Engaging students through interactive activities, discussions, feedback and … enhanced technologies resulted in improved academic performance compared to traditional lectures, lessons or readings.

— Aaron Aupperlee, Carnegie Mellon University

Brookelynn Hatfield, a volunteer minister in Saugerties, plays one of the videos from Enjoy Life Forever! — An Interactive Bible Course. Printed copies are designed to be used with the app JW Library or jw.org to access the videos that make Bible study more approachable for everyone. — PHOTO COURTESY OF JEHOVAH’S WITNESSES

“I’ve found that the videos, pictures and short paragraphs help students easily grasp the main points,” said Brookelynn Hatfield, a volunteer minister in Saugerties.

The digital version of Enjoy Life Forever! — An Interactive Bible Course contains quick-access links to scriptures and more than 200 videos. Printed copies are designed to be used with the app JW Library or jw.org to access the videos that make Bible study more approachable for everyone.

“Our approach is all about reaching people’s hearts by engaging their minds. This is how people learn,” said Robert Hendriks, U.S. spokesperson for Jehovah’s Witnesses, who have been publishing Bible study aids for more than a century. “Although we’ve always been about the printed page, we’ve adapted our methods to meet the needs of learners.”

That’s especially true for the younger generation, Hatfield said after using the publication in Bible study discussions with two individuals under the age of 25.

Enjoy Life Forever! — An Interactive Bible Course from jw.org is displayed on a mobile device. The digital version contains quick-access links to scriptures and more than 200 videos. — PHOTO COURTESY OF JEHOVAH’S WITNESSES

Carnegie Mellon University highlighted recent research findings on dynamic learning methods: “Engaging students through interactive activities, discussions, feedback and … enhanced technologies resulted in improved academic performance compared to traditional lectures, lessons or readings.”

Also available on jw.org are self-paced online Bible study lessons that cover the subjects: the Bible and its Author, the Bible’s main characters and the Bible’s message of hope. All content on the website is free, without requiring registration or subscription.

For more information about how to get the most out of Bible reading and study, visit jw.org.

Veteran Uncertain About Social Security and Healthcare Coverage

Dear Rusty: I’m not sure what I should sign up for in terms of Social Security: I am 64 and I am still employed full time and intend to stay employed until age 70. I am retired from the Navy and receive military retirement payments, and have military TriCare, as well as medical, dental, eye and life insurance through my employer. I don’t want to lose benefits, but I also don’t want to take Social Security until it reaches the maximum at age 70 (I think that is correct?). I will turn 65 in 4 months. Can you advise me? Signed: Uncertain Veteran

Dear Uncertain Veteran: First of all, thank you for your service to our country. From what you’ve shared, and since you’re still working full time, not claiming Social Security yet is a smart decision. If you were born in 1959 your full retirement age (FRA) is 66 years and 10 months and, if you claim SS before your full retirement age, you’ll be subject to Social Security’s earning test which would likely make you ineligible to receive SS benefits at this time. 

The 2024 earnings limit (limit changes yearly) when collecting Social Security early is $22,320 and, if that is exceeded, Social Security will take away $1 in benefits for every $2 over the limit (half of what you exceed the limit by). If you significantly exceed the limit, SS will declare you temporarily ineligible to collect SS benefits until you either reach your FRA or earn less. The earnings test no longer applies after you reach your FRA. So, if you’re now employed full time and plan to stay so until age 70, and you expect at least average longevity (about 84 for someone your current age), delaying until age 70 to claim Social Security is how to get your maximum Social Security benefit. 

As for your healthcare coverage as a veteran: TriCare requires you to enroll in Medicare Part A (inpatient hospitalization coverage) and Part B (coverage for outpatient services) at age 65, but you do not need to take Social Security when you enroll in Medicare. You must, however, enroll in Medicare at age 65 or you will lose your TriCare (military) healthcare coverage. You could choose to delay enrolling in Medicare at 65 because you have “creditable” employer coverage, but if you do so you will lose your current TriCare coverage and need to rely solely on your employer healthcare plan. In that case, you would still be able to enroll in both Medicare and TriCare-for-Life without penalty prior to your employer coverage ending and have coverage under both programs thereafter. I suggest you contact TriCare directly at 1-866-773-0404 to discuss your personal TriCare coverage after age 65. You can also go to www.TriCare4U.com

Whenever you enroll, Medicare will be the primary payer of your healthcare costs and TriCare will be the secondary payor. Your vision, dental, and prescription drug coverage would be through TriCare (Medicare does not cover those services) or acquired separately. Just remember, you must be enrolled in Medicare Part A and Part B to have TriCare-for-Life coverage after age 65. 

BOROUGH PRESIDENT GIBSON JOINS THE WILDLIFE CONSERVATION SOCIETY AND OTHER PARTNERS TO DISTRIBUTE TOYS TO VETERANS' FAMILIES AT THE BRONX ZOO

Bronx, NY – On Saturday, December 16th, 2023, Bronx Borough President Vanessa L. Gibson, and officials from the Bronx Zoo joined Roadway Moving, the Transport Workers NY-NJ State Conference, the Borough President’s Veterans Advisory Council, the NYC Department of Veterans’ Services, the New York State Department of Veterans’ Services, Lehman College, Cricket Wireless, and Heart to Heart at the Bronx Zoo to distribute over 200 toys to local children of Bronx military families in need at the Dancing Crane Pavilion.

Spanning two Borough President administrations and now in its 15th year, this event has become a tradition in the Bronx. The partnership between the Bronx Zoo and Borough President Gibson continues to honor community members who have served their country but find it challenging to make ends meet during the holiday season.

“Our veterans and their families have sacrificed so much for us and now it is time for us to give back to them,” said Bronx Borough President Vanessa L. Gibson. “I want to thank the Bronx Zoo, Roadway Moving, the Transport Workers NY-NJ State Conference, our Veterans Advisory Council, the NYC Department of Veterans’ Services, the New York State Department of Veterans’ Services, Lehman College, Cricket Wireless, and Heart to Heart for their partnership to ensure the families of our men and women in the armed forces have a joyous holiday season.”

“One of our most important roles as the Bronx Zoo is being a supportive neighbor in the community. We are honored to be a part of Bronx Borough President Vanessa Gibson’s efforts to give back to veterans and their families during this holiday season. From all of us here at the Bronx Zoo and WCS at large, we are forever grateful to veterans for their service to our country,” said John F. Calvelli, Executive Vice President of Public Affairs at the Wildlife Conservation Society.

In addition to the Veterans’ Toy Giveaway, Borough President Gibson joined Senator Gillibrand on International Day of People with Disabilities to advocate for federal funding for veterans in the FY`24 Spending Bill, to bring attention and awareness to the issues impacting veterans living with disabilities, and to name Luis Soltero-Rodriguez as the new Chair of the Borough President’s Veterans Advisory Council. The Borough President also co-sponsored a resolution with Council Member Eric Dinowitz that passed in the City Council proclaiming November as Veterans Appreciation Month, which highlights the contributions of veterans to our city and creates opportunities for civic engagement across New York City`s institutions.

The Wall That Heals is Headed to New York City!

The Wall That Heals is Headed to New York City!

This official replica of the Vietnam Veterans Memorial in Washington, D.C. will be visiting Flushing Meadows Corona Park in Queens from Sept 27 – Oct 1, 2023. 

For more information visit the-wall-that-heals (nyc.gov)

If interested in volunteering visit The Wall That Heals – Volunteer Signup (formsite.com)

In Memory Program

The Vietnam Veterans Memorial Fund’s In Memory program honors those who returned home from Vietnam and later died. 

To have a loved one considered for the In Memory program when The Wall That Heals visits New York City, you must submit your application to VVMF by August 28, 2023

To apply online, www.vvmf.org/In-Memory-Program or download and fill out the PRINTABLE APPLICATION HERE and mail to the address listed on the form. 

If you have any questions please email: InMemory@vvmf.org or review the VVMF Frequently Asked Questions section.

BOROUGH PRESIDENT GIBSON AND SENATOR GILLIBRAND TO HOLD PRESS CONFERENCE IN SUPPORT OF NY VETERANS LIVING WITH DISABILITIES

Bronx, NY – SUNDAY, December 3rd at 10:00 AM: In honor of the International Day of People with Disabilities, U.S. Senator Kirsten Gillibrand and Bronx Borough President Vanessa Gibson will hold a press conference at the Throggs Neck Memorial Post-American Legion to call for support of New York veterans living with disabilities. A champion of American veterans, Senator Gillibrand will be highlighting federal programs and resources she’s fighting to secure for New York in the FY24 spending package. Following the passage of the Borough President’s resolution declaring November as Veterans Appreciation Month in New York City, she will formally announce the appointment of her new Chair to the Bronx’s Veterans Advisory Council and their shared vision to collaborate with elected officials, city agencies and nonprofit partners to ensure Bronx veterans have equitable access to housing, healthcare, and other essential resources in the borough.

 

They will be joined by State Senator Nathalia Fernandez, Assemblymember Michael Benedetto, City Council Member Marjorie Velázquez, NYC Department of Veterans’ Services Commissioner James Hendon, Commissioner of the Mayor’s Office for People with Disabilities Christina Curry, and Chair of the Bronx Borough President’s Veterans Advisory Council Luis Soltero-Rodriguez.

Dear Neighbor,

What a week! We hope you have been enjoying Bronx Week 2023 as much as we have. These celebrations have been a true labor of love and we are so happy to share these experiences with all of you. Thank you to everyone who joined us for our Veterans Appreciation Luncheon, Centenarian Celebration, Silent Disco, and Health Day!

We hope you’ll join us once more for our Prom Dress & Suit Giveaway this Thursday at 4 PM-8 PM at Borough Hall and at our Bronx Week Food & Arts Festival, Parade, and Concert on Sunday, May 21st along the Grand Concourse.

Once again, thank you to The Bronx Tourism Council, Bronx Economic Development Corporation, Montefiore Einstein, and all of our other incredible sponsors who have been working alongside our team at Borough Hall to ensure that Bronx Week 2023 is successful.

Click here for our calendar of events. We hope to see you there!

As always, if you have any questions or concerns, please do not hesitate to contact our office at 718-590-3500 or email us at webmail@bronxbp.nyc.gov.

In partnership,

Bronx Borough President Vanessa L. Gibson

Bronx Week Veterans Appreciation Luncheon

By Robert Press

This was the first Bronx Week scheduled event after the introduction of Bronx Week. The Veterans Appreciation Luncheon is a favorite of all the members of the Armed Forces and of all wars which the United States sent troops to fight in. In the front was the special table that is set up to remember those who did not return from fighting to protect the country. 

Mr. Gary Axelbank was the emcee of this Bronx Week event, and did his usual excellent job of introducing speakers and honorees. After the singing of the National Anthem by veteran Belinda Barnes the invocation was given by Bishop Rosario, and there was a moment of silence as the names of fallen soldiers were read from the previous year. Mr. Axelbank then acknowledged Bronx District Attorney Darcel Clark and Deputy Bronx Borough President Janet Peguero, the representatives of other elected officials, he then introduced Bronx Borough President Vanessa L. Gibson. 

Bronx Borough President said, “Today we gather to celebrate and appreciate the men and women who have served our country in the armed forces”. She then called out the various branches of the armed forces to hear those members respond, and the loudest cheer came from those that had served in the U.S. Army. She introduced her Veterans Advisory Committee and mentioned that she is trying to have the city council declare November as Veterans Appreciation Month, so veterans are appreciated for not just one day, but an entire month. BP Gibson introduced Joe Mondello the chair of her Veterans Advisory Committee. Mr. Mondello explained the importance of the empty table at the front to remember the soldier who did not return from wars to protect the country. 

Vivian De Cohen the Director New York State Veterans Services, James Hendon of the NYC Department of Veterans Services, Balavenkatesh Kanna MD, MPH the director of the Bronx VA Medical Center, and Wendy McClinton CEO of the Black Veterans for Social Justice (who was the keynote speaker) all spoke, and then it was time for the Honoree Recognition. The five Honorees were Mrs. Roxanne Gonzalez-Jimenez, Courtney Lanier, Dondi McKellar USN(MST), Sidney T. Clark, and Ed Deglomini.  

Bronx Borough President Vanessa L. Gibson then gave closing remarks and called to the podium Pastor Jay Gooding for the closing prayer. Bronx Week runs through Sunday when the Bronx Week Parade, Food Festival and Concert take place along the Grand Concourse from East 167th Street through East 158th Street. Go to Ilovethebronx.com for the calendar of events for Bronx Week 2023

 

Senate & Assembly Members Dems Announce Legislation Supporting Veterans

Albany, NY – On Tuesday, May 23rd at 12:00 PM, Senators Nathalia Fernandez, Jessica Scarcella-Spanton and Assemblymembers Harvey Epstein, Catalina Cruz will hold a press conference for 2 critical pieces of legislation designed to support and assist our nation’s veterans: S4515 and S3586. S4515 relates to adding veterans to protected classes for unlawful housing discrimination. S3586 Establishes the Alex R. Jimenez New York state military immigrant family legacy program.

MAYOR ADAMS REAPPOINTS JAMES HENDON AS COMMISSIONER OF NYC DEPARTMENT OF VETERANS’ SERVICES

 NEW YORK – New York City Mayor Eric Adams today announced the reappointment of James Hendon as commissioner of the New York City Department of Veterans’ Services. Hendon will continue to lead the department to provide the city’s veterans with essential services and programs focused on pivotal areas, such as economic empowerment, housing security, benefits, health and wellness, and culture. 

“James Hendon has devoted his career to serving our country and our city, and we are honored to have him continue to serve the tens of thousands of veterans living in New York City as commissioner of the Department of Veterans’ Services,” said Mayor Adams. “As a combat veteran and lieutenant colonel in the U.S. Army Reserve, James has illustrated a sincere commitment to ensuring his fellow veterans have access to services that are both impactful and compassionate. He has a proven track record of being an innovative leader, and I am proud to reappoint him to this role.” 

“Commissioner Hendon is truly a tireless advocate for the city’s veterans and their families,” said Deputy Mayor for Health and Human Services Anne Williams-Isom. “As a combat veteran, he knows the courage required to serve, the strong bond between service members, and the support needed when returning home. The Department of Veterans’ Services plays a key role in helping service members in their transition to civilian life and is a resource throughout their life whenever they need it. I look forward to continuing to work with Commissioner Hendon in the coming months and years.” 

“I am humbled and overjoyed to be given the opportunity to keep serving New York City’s military veterans and their families,” said Commissioner James Hendon. “Mayor Adams has a vision of making New York City a place where, rather than spend disproportionate amounts of time and resources pulling people out of the river downstream, we prevent them from falling into the river upstream in the first place. We at the Department of Veterans’ Services embrace the mayor’s vision as it applies to our veterans and their loved ones. We proudly channel the mayor’s passion, viewpoint, efficiency, and sense of urgency as we empower the city’s veteran community to reach new heights.”  

“I am pleased with the reappointment of New York City Department of Veterans’ Services Commissioner Hendon,” said U.S. Senate Majority Leader Charles Schumer. “New York City’s veterans are well-served by his effective and accountable leadership, and I look forward to continuing to work with the commissioner to ensure that our veterans have access to high-quality resources.” 

“I am pleased that the Adams administration recognizes the great contributions Commissioner James Hendon has made for veterans in New York City, said Charles B. Rangel, former congressman; statesman-in-residence, City College of New York. “I look forward to the mayor’s continued support for Commissioner Hendon and the New York City Department of Veterans‘ Services that has done so much for our city’s military veterans.” 

“I am happy to hear that Mayor Adams has reappointed Commissioner Hendon,” said New York City Councilmember Bob Holden. “As chair of the City Council’s Committee on Veterans, I’ve worked with him over the last eight months, and he has been a strong advocate for our veterans. I look forward to continuing to fight along with him for our veterans‘ needs.” 

“I want to wholeheartedly congratulate my partner in New York City, James Hendon, on his reappointment as the commissioner of the New York City Department of Veterans’ Services,” said New York State Division of Veterans’ Services Director Viviana DeCohen. “I look forward to continuing our work and shared mission of providing the best services and programs for New York’s veterans, service members, and their families together.” 

“Congratulations, Commissioner Hendon,” said Wendy McClinton, chair, Veterans Advisory Board; and CEO, Black Veterans for Social Justice. “Remember, Forward Ever, Backwards Never! I look forward to our continued collaboration.”

“Commissioner Hendon has been a great partner to the VA,” said Bruce Tucker, interim medical center director, New York Harbor. “His leadership has brought a high degree of collaboration between the VA and New York City to connect veterans to care and services. I am looking forward to this continued partnership with the commissioner and Department of Veterans’ Services.”    

“Commissioner Hendon and the New York City Department of Veterans’ Services have been amazing partners to the Bob Woodruff Foundation and its mission,” said Bob Woodruff, founder, Bob Woodruff Foundation. “We are thrilled to continue our collaborative efforts to support and serve New York City veterans under Commissioner Hendon’s visionary leadership.” 

About James Hendon 

James Hendon is the commissioner of the New York City Department of Veterans‘ Services. Previously, Hendon served as director of the New York University Veterans Future Lab, a small business incubator for practicing and aspiring entrepreneurs who are U.S. military veterans or veterans‘ spouses.

veteran entrepreneur himself, Hendon is the founder and former CEO of the Energy Economic Development Corporation, an organization that provides green energy workforce development training throughout the New York City area. Previously, Hendon served as the COO for BlocPower, a U.S. Department of Energy-sponsored company that helps nonprofits, small businesses, and faith centers perform energy efficiency retrofits. He previously worked as an associate in the Real Estate Investment Banking Group at Deutsche Bank. 

Before entering the civilian workforce, Hendon spent seven years in the U.S. Army as an active-duty infantry officer, where he deployed as a mortar platoon leader and battalion public affairs officer to Iraq, worked as an admissions officer for West Point, and served as the senior advisor to the Afghan Border Police in Afghanistan. 

Hendon also served as a mayoral appointee on the New York City Veterans Advisory Board. He has volunteered as a longtime mentor for the Eagle Academy for Young Men in the Bronx. Hendon has participated in various fellowships, including the Council of Urban Professionals, the Truman National Security Project, the Environmental Leadership Program, and Presidential Leadership Scholars. 

As a drilling U.S. Army reservist, Hendon, a Lieutenant Colonel, currently serves as the battalion commander for 1st Battalion, 411th Regiment, 4th Cavalry Brigade — a logistics support battalion. 

Hendon is a graduate of West Point, the Harvard Kennedy School, and the Columbia Business School. He is also a graduate of the Earth Institute’s Program in Conservation and Environmental Sustainability.

MAYOR ERIC ADAMS DELIVERS REMARKS AT ANNUAL MAYOR’S VETERANS DAY BREAKFAST

Commissioner James Hendon, Department of Veterans’ Services: It is my pleasure to introduce the 110th mayor of the City of New York, New York Police Department captain retired, New York state senator emeritus and former chair of the Senate Veterans Homeland Security and Military Affairs Committee, and Brooklyn borough president emeritus, mayor of the City of New York. Ladies and gentlemen, the Honorable Eric Leroy Adams.

Mayor Eric Adams: Thank you. Thank you. Good morning. This is probably one of the most significant days in our city, if not our country, where we turn a conversation into an actual declaration. It’s one thing to say we support our military, our men and women who adorn the uniform, as we sit under the tree of freedom that they watered with their blood. It can’t be just something we articulate, it’s something that we believe. As I drove over here this morning, I reflected on the day during the sixties when I was a little boy and we got the call that my uncle, my mother’s brother, was killed in Vietnam. And that day became so real for me that the conversation of the war left the television station and it entered into our living room. And I rededicated my life to how important it is to be part of this great country.

And it broke my heart when I read a survey that stated that 52 percent of Americans said they would not defend this country if it was attacked by a foreign enemy. But let me tell you something, I’m one of the 48 percenters. I’ll protect this country throughout my entire life. And when I wake up in the morning, I wake up every morning and say the same thing: I pledge allegiance to the flag of the United States of America, and to the republic for which it stands, one nation under God, indivisible, with liberty and justice for all. And so even when bombs burst in air and that red glare give proof through the night, that our flag is still there. Those bombs don’t have to be physical. It could be the bombs of COVID. It could be the bombs of financial uncertainty. It could be the bombs of losing our employees or employment. It could be any bomb. One thing we can be sure of, that flag will continue to fly because of the men and women who sacrificed their lives to make sure that flag flies.

And to anyone foreign or domestic, there is only one country on the globe with dream is attached to its name. There’s no German dream, no Polish dream, no French dream, but dammit there is an American dream. And this dream is alive and it is well every day. And so the men and women who fight to protect this country, we honor you, we respect you, and we recognize your sacrifice and services. And there’s someone else we recognize. When I retired from the Police Department, I remember my mother collapsing in my arms because of those 22 years she watched Eric and my brother Bernard serve this city. We honor the family members — the family members that watched their loved ones go abroad. The family members that watched their loved one on the frontline defending this country. The family members that lose their loved ones to battle. We honor you, family members. We know what you represent. We know how much you give, how much you sacrifice. Each time your loved ones serve this country, you too serve this country. And we thank you for what you do as well.

And so I’m happy today to march and walk on behalf of the men and women that served this country. And our administration is still with those men and women. You have Commissioner Iscol, Commissioner Hendon, Commissioner Molina. So many of the men and women who fought abroad are now here fighting for you every day. And because of them, I can probably say New York is not coming back, New York is back. Thank you very much.

Yesterday, Today, and Tomorrow: Serving Our Nation's Veterans

he U.S. hadn’t yet entered World War II in 1941 when Josephine Herrick first began teaching “defense photography” as the founder of the War Service Photography unit of American Women’s Voluntary Services. Later in the war, she and her colleagues taught photography in St. Albans Naval Hospital to help wounded servicemen recover and return to civilian life. In 1946, after the war had ended, she incorporated her group as Volunteer Service Photographers to keep bringing the power of photography to veterans.
 
Now renamed in Josephine’s honor, our organization still holds fast to serving military veterans through our photography education and exhibition programs. We continue to use photography as a pathway for veterans’ wellbeing and connectedness—providing skills and opportunities to amplify their voices and explore their experiences through images.
 
This fall, we are working with more than 25 vets online and in person in New York City and Buffalo through our partnerships with the Harlem Vet Center (part of the U.S. Department of Veterans Affairs), the Odyssey Project, CEPA Gallery, and Downtown Community Television (DCTV). These programs depend on the extraordinary dedication and creativity of our teaching artists: Yael Ben-Zion and Terry Karney, co-teachers of our online courses; Brendan Bannon, founder and leader of the Odyssey Project; and his teaching assistants, Rob Healey in Buffalo and Pierre Osias in New York City.
 
New online classes this winter are starting soon, and we’re planning for ongoing mentoring and new in-person and online workshops and classes in spring and summer of 2023, including a special evening at the Intrepid Sea, Air & Space Museum.
 
Special thanks go to our major funders for our veterans programs: Creative Forces Community Engagement Grants, part of the National Endowment for the Arts’ Creative Forces® initiative, in partnership with Mid-America Arts Alliance; the New York City Council’s Veterans Community Development Initiative, administered by the Department of Youth and Community Development; and the Phillip and Edith Leonian Foundation. Cameras for the Odyssey Project provided by Canon U.S.A.
 
Please join them in supporting our work with veterans. Your donation continues Josephine Herrick’s legacy of serving those who serve.

MAYOR ADAMS ANNOUNCES FIRST SECTION OF EAST SIDE COASTAL RESILIENCY PROJECT COMPLETED AS ASSER LEVY PLAYGROUND REOPENS WITH NEW FLOODWALL AND RESILIENT PLAY AREAS

ESCR Project Will Help Protect Communities from Future Storm Surge and Sea-Level Rise, Improve Access Via Expanded Connections Between Communities and Waterfront, Provide Enhanced Public Space with Upgraded Facilities and Resilient Design 

Project Will Create Nearly 1,000 New Jobs for New Yorkers

NEW YORK – New York City Mayor Eric Adams today celebrated the completion of the first part of the East Side Coastal Resiliency (ESCR) Project that represents a new class of resilient infrastructure for New York City. The project will offer coastal protection that protects New York City’s waterfront neighborhoods from devastating storm surge and regular tidal flooding, while also improving accessibility, increasing ecological diversity, and delivering improved recreational amenities to a vibrant and highly diverse community. The entire project — expected to be complete in 2026 — is also creating nearly 1,000 new jobs in New York City and has involved a multitude of city agencies, including the New York City Department of Design and Construction (DDC), the New York City Department of Parks and Recreation (NYC Parks), the New York City Department of Environmental Protection (DEP), the Mayor’s Office of Climate and Environmental Justice (MOCEJ), the New York City Economic Development Corporation (NYCEDC), the New York City Department of City Planning (DCP), and the New York City Department of Transportation (DOT).

“Climate change is here, and with it are hotter temperatures, heavier rainfall, and more dangerous flooding,” said Mayor Adams. “The East Side Coastal Resiliency project is more than infrastructure; it’s how we will protect our city from rising seas and stronger storms. This one project will create good jobs, put cutting edge technology and engineering into action, and, most importantly, protect more than 100,000 New York City residents from extreme weather. New York City is leading the way on climate, and we will continue to address the extreme weather threats that every neighborhood faces with the urgency it demands.”

“It’s simple powerful logic, we need strong walls to protect against increasingly stronger storms,” said Deputy Mayor of Operations Meera Joshi. “Today we celebrate an important milestone in completing New York City’s 2.4-mile corridor of storm protection, as the city models how to protect cities and citizens from the dangerous effects of climate change.”

 

“One of the nation’s largest resiliency projects doesn’t just prevent flooding, East Side Coastal Resiliency also enhances open spaces and recreational spaces for more than 110,000 residents,” said DDC Commissioner Thomas Foley. “Asser Levy Playground is the first of five park areas to reopen with new resilient play equipment and flood protection integrated into the landscaping. Other local parks will be rebuilt with new bridges, better pedestrian access, new play areas, and thousands of new trees. This comprehensive approach to planning and integration is a model for future coastal protection projects that seek to improve waterfront access.”

“Preparing our city for more frequent and more intense storms requires a visionary transformation of our public spaces, our infrastructure, and our approach to how our built environment serves New Yorkers,” said Kizzy Charles-Guzman, executive director, MOCEJ. “The completion of the first section of the East Side Coastal Resiliency project marks a critical milestone in one of the most ambitious and technically complex climate infrastructure projects in New York City history. The new Asser Levy Playground has been rebuilt as infrastructure to protect the community it serves from storm surge and sea level rise, and is an example of our work to ensure New Yorkers can live, learn, work, and play in safe, healthy, resilient, and sustainable environments, even as the climate changes.”

“ESCR is making beloved waterfront parks resilient and providing lifesaving flood protection for surrounding communities,” said NYC Parks Commissioner Sue Donoghue. “Thanks to this innovative project, Asser Levy Playground now has an upgraded basketball court and new play equipment — and, more importantly, the site is better protected to ensure it will continue serving New Yorkers for generations to come.”

“DOT is proud to be part of the great team of city agencies contributing to the vitally important East Side Coastal Resiliency Project,” said DOT Commissioner Ydanis Rodriguez. “We are thrilled to see the Asser Levy Playground reopen and we are excited for the upcoming improvements along the waterfront, including a wider and safer East River Greenway for pedestrians and cyclists, as well as three new pedestrian bridges. We commend Mayor Adams and our sister agencies, who have already made such significant progress on this massive project.”

 

“This revamped Asser Levy playground not only looks great, but it is also adding critical flood protection for this East Side neighborhood. This area was severely battered by Superstorm Sandy. We are proud to have played a role in planning for this public amenity and in protecting New Yorkers from the serious risks of coastal flooding,” said DCP Director Dan Garodnick.

Asser Levy Playground is home to the northern end of the ESCR Project, a $1.45 billion project that will  create a 2.4-mile flood barrier of berms, floodwalls, moveable gates and raised parkland that will protect 110,000 East Side residents — including 28,000  NYCHA residents — from future storms and tidal flooding. Of the $1.45 billion, $338 million of funding is being provided by the U.S. Department of Housing and Urban Development. The entire span of the ESCR project — located within the Federal Emergency Management Agency’s (FEMA) 100-year floodplain — will incorporate 18 movable gates from Asser Levy Playground (located along Franklin Delano Roosevelt Drive from East 23rd Street to East 25th Street) down to Montgomery Street. The entire project is being installed in phases to ensure the community has access to recreational areas during construction. This project is a crucial part of the Adams administration’s work to ensure that New York City is better prepared to withstand the impacts of climate change.

Asser Levy Playground now features 320 feet of new floodwall, along with a new 79-foot-long, 45-ton sliding steel floodgate. The first protective flood gate — measuring 42 feet and weighing 16 tons — was installed as part of the flood wall near Stuyvesant Cove Park in February. Once ESCR is completed, the floodgate will be closed ahead of any future flooding event. The wall will protect the adjacent Margaret Cochran Corbin VA Campus and Hospital, as well as the park’s recreation center and outdoor pool, allowing it to stay online after a major storm. The playground and basketball court areas have also been rebuilt with resilient materials and play equipment that has been designed to withstand future flooding. In the event of a storm, the playground will be able to reopen more quickly due to these new resiliency features.

The ESCR project is also upgrading East River Park, Corlears Hook Park, Murphy Brothers Playground, Stuyvesant Cove Park, and other open spaces in the area, making them more resilient and accessible for all, while adding new and improved amenities, including improved waterfront access through reconstructed bridges and entry points. East River Park will be elevated approximately eight feet with upgraded recreational facilities, new passive-use areas, and approximately 2,000 trees — including 50 different species selected for their ability to withstand salt spray and extreme weather. The ESCR project will also build footings for a future pedestrian bridge elevating the Manhattan Greenway over its narrowest point along the East River, improving community access to the park.

NYC Parks has additionally made numerous improvements to local parks and open spaces as part of the city’s response to the community’s need for supplemental recreational resources during project construction. New Yorkers looking for more information on where to play and relax during construction can visit NYC Parks’ Recreational Resources map.

The level of flood protection provided by ESCR is equal to the region’s “worst-case” anticipated 100-year storm in the 2050s, based on future climate change projections produced by the New York City Panel on Climate Change (NPCC), an independent body composed of climate scientists that advises city policymakers on local resiliency and adaptation strategies. The project uses an adaptive design that can accommodate the addition of two more feet of elevation throughout the project area should sea levels in the coming decades rise faster than current projections anticipate.

The city previously sponsored an ESCR “Call For Art” for New York City students from kindergarten to 12th grade plus local artists highlighting the importance of coastal protection and resiliency. More than 40 pieces were selected based on themes varying by grade level. Each piece was rated on the responsiveness to the theme, creativity, originality, artistic quality, composition, visual impact, and overall impression. Selected pieces have been reproduced on 12-feet by 5-feet vinyl banners and are on display throughout the East Side Coastal Resiliency project area. Students whose works were selected for display were honored at a ceremony at Asser Levy Playground in June.

“Asser Levy Playground has undergone many changes in the last decade,” said Manhattan Community Board 6 Chair Kyle Athayde. “A good bit of the park space we enjoy today used to be a street, Asser Levy Place. The street was de-mapped and repurposed to expand the park footprint to what we see today. Just a few years later in 2020, work on the East Side Coastal Resiliency Project commenced, and along with it came the closure of Asser Levy Playground. Our community felt this closure quite acutely as the closure came during the second wave of the pandemic, before the release of vaccines and when spending time outdoors was one of the few safe activities our community had. Manhattan Community Board 6 is overjoyed to see Asser Levy Playground reopened once again. As a district that suffers from a shortage of open space, the reopening of this playground means that residents of Manhattan Community District 6 have badly needed open space once again available to us!”

“We’re incredibly happy to see this vision come to life,” said Amy Chester, managing director, Rebuild by Design. “This project has shown that adapting to climate change will be hard and will require tradeoffs. We can learn from the past and work together to ensure that we are creating climate infrastructure that enhances communities every day — and helps protect us when we are hit with devastating weather.”

“We are proud to have worked alongside the city on this vital infrastructure project,” said Bruce Tucker, interim medical center director, VA New York Harbor Healthcare System. “By protecting our facility and the surrounding neighborhood from climate-related events, the East Side Coastal Resiliency Project will help us continue to deliver world-class health care to New York’s Veterans.”

The Emergency Rental Assistance Program (ERAP) can provide economic relief to assist households that are unable to pay rent and utilities due to the COVID-19 pandemic. The funds are provided directly to States, U.S. Territories, local governments, and Indian tribes. Grantees use the funds to provide assistance to eligible households through existing or newly created rental assistance programs.
 
An “eligible household” is defined as a renter household in which at least one or more individuals meets the following criteria:
  • Qualifies for unemployment or has experienced a reduction in household income, incurred significant costs, or experienced a financial hardship due to COVID-19
  • Demonstrates a risk of experiencing homelessness or housing instability and
  • Has a household income at or below 80 percent of the area median income.
  • ERAP is not guaranteed and will be determined on a case-by-case basis.
 
You can apply here.
 
If you need help completing the application, you can call Monday-Saturday, from 8:00 am – 7:00 pm at 1-844-NY1-RENT (1-844-691-7368). 

Now more than ever, your support will help America’s veterans find victory.

As veterans face new challenges, support for their victories is more vital than ever before. By finding space for our new print PSAs, you’ll help remind people to keep space in their hearts for those who have sacrificed so much.

DAV (Disabled American Veterans) helps more than a million veterans every year to find the health care, employment, education, and financial benefits they’ve earned.

Each of our new print PSAs features a real story of a real veteran, who has found their personal victory with the help of DAV. With your support, more veterans will get the care and benefits they need.

We hope you’ll help get these powerful messages out to your readers. You’ll find the PSAs for immediate download at davpsa.org. Resizes are available upon request.

Thank you for your support. And thank you for helping America’s veterans.

Sincerely,
Rob Lewis
DAV National Director of Communications

If you have any questions, or would like custom sizes, please contact Pam Atkinson at psa@dav.org or 410-626-0805.