20 Million Predatory Loans Drained Over $2.4 Billion From Consumers

In 2022, predatory payday lenders drained $2.4B in fees from low-income, largely Black and Latino borrowers through high-interest, deceptive loans, Center for Responsible Lending report finds.


By Charlene Crowell | Washington, DC | March 28, 2025

New research from the Center for Responsible Lending (CRL) finds that in just one year – 2022 – cash-strapped borrowers took out over 20 million predatory loans totaling nearly $8.6 billion. The triple-digit annual percentage rates (APRs) and high costs attached to these loans – whether payday, single-payment or installment loans – drained more than $2.4 billion in fees from low-income borrowers.

CRL’s Down the Drain, report provides an update on the effects of payday lending, including online and app-based lending, that remains dominant in low-wealth, largely Black and Latino neighborhoods. Many of these lenders use misleading advertising to lure working people into a cycle of repeat borrowing and growing fees that can leave them struggling for months to repay a debt that reduces each subsequent paycheck.

Photo By Milton Kirby TitleMax Store Front

“Payday loans are designed to trap people in debt and this report shows the scale of the harm,” said report co-author Yasmin Farahi, CRL’s deputy director of state policy and senior policy counsel. “Predatory lending is a public policy choice. Congress and policymakers in states without common sense interest rate limits should enact these usury laws and the executive branch has a duty to enforce them – that is how to keep payday loan sharks at bay.”

Predatory high-cost lenders that offer loans with triple-digit APRs and high, often hidden fees, are trying to evade responsible interest rate limits that currently are in place in 20 states and the District of Columbia.

But these consumer-oriented reforms still leave 30 states where triple-digit interests rates remain legal, including Texas (662%), California (460%), Mississippi (572%), Alabama (456%), and Wisconsin (537%).

These abusive lenders often target working households and communities of color. A 2020 poll by CRL found that Black consumers were twice as likely as white consumers to live within a mile of either a payday lender or a pawnshop. The targeting of these communities can worsen longstanding racial economic disparities.

“Although payday loan fee volume declined early in the pandemic, the Down the Drain report shows a $200 million rebound from 2021 to 2022, reflecting increased strain on consumers’ finances,” said report co-author Lucia Constantine, senior researcher at CRL. “Especially considering changes in the market toward online and longer-term loans, storefront payday lenders in 2022 continued to drain a massive amount of wealth from people and communities with very little wealth.”

Among the report’s notable findings:

•             Between 2021 and 2022, payday loan fee volume increased in California by 20%, Texas by 22%,  and Florida by 17%. All are bigger percent increaes than the national fee volume experienced;

•             States where payday lenders took in highest fee volumes are: Texas at over $1.3 billion, Florida at over $252 million, California over $224 million, Mississippi at over $149 milion, and Michigan at over $78 million. Mississippi’s payday fee total, the fourth highest, is out of proportion to its population size, which is the 35th largest; and

•             In the only two states that collect and report statistics on online lending, the share of online payday lending increased from 2019 to 2022: Alaska from 55% to 57% and in California from 25% to 49%.

“As national payday lenders have continued to close storefronts across the country, the market share of online payday lending has increased. By 2019, online lending accounted 41% of single-payment payday loan volume nationally,” states the report.

“Beyond the impacts of the pandemic, the alternative financial services market has shifted online and expanded to include underregulated products like installment loans, earned wage advance, and buy now pay later”, the report continues. “Rent-a-bank’ schemes, in which a non-bank company uses an out-of-state bank offer loans that evade state usury caps, have also made payday lending more readily available even in states with legal protections.”

What Every Small Business Needs to Know About the Corporate Transparency Act

Small businesses must file beneficial ownership reports under the Corporate Transparency Act to combat financial crimes—though enforcement is paused as of March 2025.

All the latest updates about the Beneficial Ownership Information reporting requirement.

By: Miranda Fraraccio , Contributor

Under the Corporate Transparency Act (CTA), which went into effect on January 1, 2024, many U.S. small business owners are required to file corporate transparency reports with beneficial ownership information.

The CTA was enacted in 2021 to combat illicit activity including tax fraud, money laundering, and financing for terrorism by capturing more ownership information for specific U.S. businesses operating in or accessing the country’s market. Under the new legislation, businesses that meet certain criteria must submit a Beneficial Ownership Information (BOI) Report to the U.S. Department of Treasury’s Financial Crimes Enforcement Network (FinCEN). This report provides details identifying individuals who are associated with the reporting company.

The CTA was established to prevent individuals with malicious intent from hiding or benefitting from the ownership of their U.S. entities to facilitate illegal operations which, according to Congress, is a widely-used tactic that affects national security and economic integrity.

Who is considered a beneficial owner of a company?

According to the CTA, an individual qualifies as a beneficial owner if they directly or indirectly have a significant ownership stake in a company. This person either has a major influence on the reporting company’s decisions or operations, owns at least 25% of the company’s shares, or has a similar level of control over the company’s equity.

What information must be reported about a company’s beneficial owners?

All reporting companies must provide their legal name and trademarks, as well as their current U.S. address, which could be either the address of its main business site or, for foreign-based companies, their U.S. operational location. They’ll also need to provide a taxpayer identification number and specify the jurisdiction where they were formed or registered.

Businesses registered or established post-January 1, 2024, must provide information regarding the business, its beneficial owners, and its company applicants — including owners’ and applicants’ names, addresses, birthdays, and identification numbers (such as a license or passport number), and the jurisdiction of the documents. Businesses established before that date can omit information regarding company applicants, and must only submit information on the business and beneficial owners.

While the CTA does not require businesses to submit annual reports, the initial filing period may not be the only time you’ll be required to submit information.

“In addition to the required initial filing, there are requirements to update the original filing when things change,” explained Roger Harris, President of Padgett Business Services. “Some of the things that require an updated filing are not things a business owner has ever thought were important to track, and the timeline to report these changes can be as short as 30 days.”

Harris noted that business owners may be surprised by some requirements for updated filings. For instance, if a beneficial owner changes their address, legally changes their name due to marriage or divorce, or obtains a new driver’s license, it may necessitate an update to a company’s BOI report. Operational changes or a new delegation of authority could also qualify.

“If you make changes in the operation and delegation of duties within your business that could be considered to give a new person substantial control of your business, you could be required to update your filings, even if the person performing those duties did not own any of the business,” said Harris.


While the CTA does not require businesses to submit annual reports, the initial filing period may not be the only time you’ll be required to submit information.

Are businesses required to file with FinCEN as well as their financial institutions?

Many financial institutions require small businesses to submit beneficial ownership information, which protects the institution from being used for illegal activity. However, these are two distinct reporting requirements, and sharing beneficial ownership information with a financial institution does not fulfill a small business’s federal requirements.

Keep in mind, however, that FinCEN can share beneficial ownership information with other entities — including government agencies, law enforcement agencies, and some financial institutions.

What is the beneficial ownership information reporting process?

Two types of reporting companies will be required to submit BOI reports: domestic reporting companies, including LLCs, corporations, and other entities formed through filing with a secretary of state or a comparable office in the U.S.; and foreign reporting companies that are registered to conduct business in the United States through filing with a secretary of state or an equivalent office.

Businesses will not incur a fee for submitting their reports, and electronic forms are available on FinCEN’s website.

Where can business owners get help with their beneficial ownership information reports?

Though companies may opt to file their own BOI reports without legal assistance, Harris advised business owners against this.

“It may not be difficult to complete the forms, but with everything a small business owner must do to operate a successful business, I fear this is something that could be missed or not done [promptly],” Harris explained.

Instead, he recommends consulting a knowledgeable advisor, such as an attorney or an accountant, when filing the initial and/or updated reports to ensure they’re completed on time and to FinCEN’s standards.

“There are some issues in the law that could require an interpretation of certain facts to determine who is a beneficial owner that must be included in the filings,” Harris said. “If you find yourself in this situation, … consult with an attorney to help you decide how your set of facts fits within this law.”

For those with a straightforward path, Harris believes an accountant or tax preparer may be sufficient. However, he cautioned that not all accounting and tax professionals will offer this service due to potential insurance policy limitations.

“Some in the accounting and tax profession are not going to offer this service to their clients because the errors and omission policies these firms have will not cover these services,” Harris explained. “We are already seeing companies pop up that claim to be specialists in this area. If a business wants to go in this direction, they should make sure they choose a legitimate firm with the proper expertise and reasonable fees that will stand behind their work.”

CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.

CO—is committed to helping you start, run and grow your small business. Learn more about the benefits of small business membership in the U.S. Chamber of Commerce, here.

What Lies Beneath: The Drowned History of Lake Lanier

Revealing the hidden history of Lake Lanier, Georgia’s playground, where a thriving Black community named Oscarville was erased by racial terror and forced displacement, leaving a legacy of injustice and resilience.

By Milton Kirby | Atlanta, GA | March 24, 2025

Lake Lanier is often called Georgia’s playground—38,000 acres of water and 692 miles of shoreline that draw over 30 million visitors annually, even more than Niagara Falls. Officially named Lake Sidney Lanier, it honors a Confederate soldier, poet, and musician, a choice that reflects another complicated legacy. Just 50 miles north of downtown Atlanta, the lake is now a thriving resort area and scenic escape—yet its beauty obscures the troubled history beneath its waters and the name it bears.

But beneath its shimmering surface lies a history far less serene—one marked by racial terror, forced displacement, and the erasure of a once-thriving Black community named Oscarville. This is not just a lake. It is a flooded ledger of lives uprooted and stories buried, still seeking air.

The Making of Lake Lanier: Progress at an inhumane Cost

Lake Lanier was born of ambition and necessity. In 1946, the U.S. Army Corps of Engineers launched a project to control flooding, generate hydroelectric power, and supply water to a rapidly expanding Atlanta. The Buford Dam, completed in 1956 on the Chattahoochee River, made it possible.

The construction was vast. Crews built three saddle dikes, new bridges and roads, and excavated land for a power station. The price of progress was steep: 56,000 acres of land were seized—often through the forced hand of eminent domain. More than 250 families were displaced, 15 businesses were closed, and 20 cemeteries were moved. Thousands of lives were disrupted. Homes, churches, and entire communities were cleared to make way for a reservoir.

By August 1, 1958, the lake had reached its full pool elevation of 1,071 feet. What remained under the water were not only roads and buildings—but histories, headstones, and unanswered questions.

Photo by Milton Kirby Lake Lanier

Oscarville: A Community Buried but not Forgotten

Before the lake, there was Oscarville.

Founded during Reconstruction, Oscarville was a flourishing Black agricultural town. It stood as a testament to resilience in the face of systemic oppression. By 1911, its roughly 1,100 residents had built a thriving local economy. Fifty-eight families owned land. Others worked as sharecroppers, poultry farmers, carpenters, and cotton hands. They built schools, churches, and lives filled with dignity and hope.

But in 1912, that hope was shattered by a wave of white supremacist violence that would drive nearly every Black resident from Forsyth County—and from Oscarville itself..

The Racial Cleansing of 1912

The violence began with the assault and death of 18-year-old Mae Crow, a white woman. Three Black teenagers—Rob Edwards, Ernest Knox, and Oscar Daniel—were arrested. Before a trial could begin, a white mob lynched Edwards in the town square of Cumming. Knox and Daniel, both under 18, were quickly convicted by an all-white jury and publicly hanged.

What followed was a campaign of racial terror. White vigilantes calling themselves “night riders” looted homes, burned Black churches, and issued ultimatums: leave or die. Over 1,000 Black residents were expelled in just three months. Their land was abandoned, stolen, or sold under duress.

Oscarville, like other Black towns across the South, was wiped off the map—not by natural disaster or economic collapse, but by deliberate racial cleansing.

A Lake Built on Dispossession racial hatred

Decades later, that same land—emptied by violence—was sold or seized for the Lake Lanier project. Cemeteries were relocated, but many graves may still lie beneath the water. Submerged buildings, roads, and foundations remain intact under the lakebed, adding to the lake’s reputation for mystery—and its eerie nickname: haunted.

But this is no ghost story. It is a story of stolen legacies and the silent weight of injustice.

Today’s Lake, and the Communities It Now Serves

Today, Lake Lanier is a vital resource. It provides drinking water for nearly 6 million people and supports hydroelectric power, tourism, and recreation. Towns like Buford, Gainesville, and Cumming benefit from its presence, with marinas, lakefront homes, and rental cabins lining its shores.

The Lake Lanier Islands were created following the completion of Buford Dam in 1956. When the reservoir, Lake Sidney Lanier, was filled with water from the Chattahoochee River, the rising waters submerged vast portions of North Georgia. The high ground that remained above water became a scattering of islands — essentially, the former mountaintops of the region.

Development and Governance: LLIDA

In1962, the Lake Lanier Islands Development Authority (LLIDA) was established by the Georgia General Assembly as a state agency. Its mission was clear:

“To plan, develop, and operate four islands in the southern portion of Lake Sidney Lanier for resort and recreation purposes and to enhance the tourism potential of North Georgia.”

LLIDA oversaw the early development of the islands, initiating projects like:

  • The PineIsle Resort
  • The beach and its expansions
  • The entrance bridge
  • Waterpark attractions (now part of Margaritaville at Lanier Islands)
  • The Legacy Lodge (formerly Emerald Pointe)
  • Golf courses and equestrian stables

Initially, some operations were leased to concessionaires, but LLIDA resumed direct control in the 1980s. By the mid-1990s, LLIDA entered into a privatization agreement with KSL Lake Lanier, Inc., signaling a new era of resort management.

Ownership: The Williams Family & LLIMC

In August 2005, Georgia businessman Virgil Williams purchased the Lake Lanier Islands resort complex from KSL Corporation for $14.5 million. The acquisition was made through his company, the Lake Lanier Islands Management Company (LLIMC)— a local, family-operated business.

Under along-term lease and management agreement with LLIDA, LLIMC now:

  • Oversees daily operations
  • Manages long-term development strategies
  • Maintains the resort’s public-private partnership with the state

Amenities & Attractions at the Islands

Lake Lanier Islands offers a vast array of activities and accommodations, including:

Game Changer Arcade and Bar

A lively indoor attraction featuring:

  • Axe Throwing
  • Virtual Sports Suites
  • Duckpin Bowling
  • Arcade Games
  • On-site restaurant and bar

Legacy Lodge & Guest Exclusives

Guests of the Legacy Lodge, Legacy Villas, and LakeHouses at Legacy enjoy:

  • A 24-hour saltwater lounging pool
  • Poolside service from Bullfrog’s Bar
  • A 6-court pickleball venue
  • A 24/7 business center with free Wi-Fi, charging stations, and printer access

Additional Resort Features

  • Margaritaville at Lanier Islands water park
  • Lakefront dining and boating
  • Golf courses and trails
  • Special seasonal events and group activities

Revenue From Parking Fees Alone

One of the resort’s most straightforward — yet substantial — revenue streams is its daily parking fee of $20 per vehicle. With an estimated 30 million visitors to Lake Lanier each year, the potential income from parking fees is staggering.

By the Numbers:

  • If just 15 million vehicles (half the visitor count) pay the fee:
    • 15 million x $20 = $300 million per year
  • If every visitor arrives by car and pays:
    • 30 million x $20 = $600 million per year

Even under conservative estimates, the annual revenue from parking fees alone may exceed hundreds of millions of dollars, not including resort stays, dining, attractions, or retail.

But amid the jet skis and fishing tournaments, the story of Oscarville is often forgotten—or worse, never told.

Reclaiming the Past, One Story at a Time

In recent years, historians, educators, and community leaders have begun to reclaim Oscarville’s story. Efforts to memorialize the lost town are growing. Documentaries, articles, and educational programs are shifting the narrative—moving away from myths of hauntings and toward historical truth.

Oscarville was not a legend. It was a living, breathing community, destroyed by fear and greed, not by fate.

A Legacy That Refuses to Sink

Lake Lanier will always shimmer with beauty. But beneath its surface lies a reckoning still in progress. The story of Oscarville is not just about what was lost, but about what still lives—in memory, in truth, and in the movement to honor those who were forcibly silenced.

What lies beneath is more than water. It is a legacy. One that must not be forgotten.

One of the last surviving Tuskegee Airmen remembers struggle for recognition amid Trump’s DEI purge

Tuskegee Airmen Legacy Under Threat: Despite efforts to honor their memory, Black Air Force unit’s history is being erased under President Trump’s executive order, sparking bipartisan outrage and outrage from surviving airmen.

By Mead Gruver and Thomas Peipert | Aurora, CO (AP) | March 23, 2025

With members of a trailblazing Black Air Force unit passing away at advanced ages, efforts to remain true to their memory carry on despite sometimes confusing orders from President Donald Trump as he purges federal diversity, equity and inclusion programs.

Col. James H. Harvey III, 101, is among the last few airmen and support crew who proved that a Black unit — the 332nd Fighter Group of the Tuskegee Airmen — could fight as well as any other in World War II and the years after.

Col James H Harvey III (AP)

He went on to become the first Black jet fighter pilot in Korean airspace during the Korean War, and a decorated one after 126 missions. He was one of four Tuskegee Airmen who won the first U.S. Air Force Gunnery Meet in 1949, a forerunner of today’s U.S. Navy “Top Gun” school.

“They said we didn’t have any ability to operate aircraft or operate heavy machinery. We were inferior to the white man. We were nothing,” Harvey said. “So we showed them.”

Shortly after Trump’s January inauguration, the Air Force removed new recruit training courses that included videos of the Tuskegee Airmen.

The removal drew bipartisan outrage and the White House’s ire over what Defense Secretary Pete Hegseth described as “malicious implementation” of Trump’s executive order.

The Air Force quickly reversed course.

Announcing the reversal, Air Force Chief of Staff Gen. David Allvin said in a statement that the initial removal was because the service, like other agencies, had to move swiftly to comply with Trump’s executive order with “no equivocation, no slow-rolling, no foot-dragging.”

The videos were shown to troops as part of DEI courses taken during basic military training. Some photos of Tuskegee Airmen were also among tens of thousands of images in a Pentagon database flagged for removal.

“I thought there was progress in that area, but evidently there isn’t,” said Harvey, who blamed Trump for contributing to what he sees as worsening prejudice in the U.S.

“I’ll tell him to his face. No problem,” he said. “I’ll tell him, ‘You’re a racist,’ and see what he has to say about that. What can they do to me? Just kill me, that’s all.”

The Tuskegee Airmen unit was established in 1941 as the 99th Pursuit Squadron based at the Tuskegee Institute in Alabama. The 99th became the 332nd Fighter Group, which by war’s end destroyed or damaged more than 400 enemy aircraft in North Africa and Europe during the war and sank a German destroyer in action.

Of the 992 Tuskegee Airmen trained as pilots starting in 1942, 335 were deployed, 66 were killed in action and 32 who were shot down became war prisoners.

In 1949, two months after the airmen’s gunnery meet victory in the propeller-driven class, the U.S. Air Force integrated Black and white troops and the Tuskegee Airmen were absorbed into other units.

It took the Air Force almost half a century to recognize 332nd’s last achievement: Its success in aerial bombing and shooting proficiency in the gunnery meet at what is now Nellis Air Force Base in Nevada.

For decades, the winners were listed as “unknown” and their trophy was missing.

“We won them all,” Harvey said. “We weren’t supposed to win anything because of the color of our skin.”

Harvey trained during World War II but was not deployed to combat before the war ended. In Korea, he flew the F-80 Shooting Star jet fighter and earned medals including the Distinguished Flying Cross.

He retired as a lieutenant colonel in 1965 and received an honorary promotion to colonel in 2023.

Trump in 2020 promoted another of the last surviving Tuskegee Airmen, Charles McGee, to brigadier general. McGee died in 2022 at age 102.

Harvey still regards the Air Force Gunnery Meet as his biggest accomplishment, one the Air Force finally recognized in 1993.

Their missing trophy was found in a museum storeroom not long after.

“We were good, and they couldn’t take it away from us,” Harvey said. “We were good. And I’ll repeat it until I die.”

Silent Strength: Extraordinary Women in the Margins of History

Learn about the remarkable stories of 20 trailblazing women who broke barriers in science, art, aviation, and more, shaping history and inspiring future generations with their courage and determination.


By Milton Kirby | Atlanta, GA | March 23, 2025

As Women’s History Month comes to a close, the Truth Seekers Journal is proud to highlight a remarkable group of lesser-known women who have made extraordinary contributions to our world.

Women have long been the backbone of progress in this nation—and across the globe—often driving change, innovation, and justice without receiving the recognition they deserve. In this special feature, we aim to shine a light on these unsung sheroes whose legacies have shaped history, even if their names are not widely known.

Whether this is your first time learning about them or a welcomed reminder, we hope these stories inspire reflection, admiration, and continued curiosity.

We also invite you to join the celebration: share the names and stories of extraordinary women who have impacted your life or community. Scroll to the end of the article and add your tribute in the comments section—let’s continue writing women’s history together.

1. Alice Augusta Ball (1892–1916)

Alice Augusta Ball was a pioneering African American chemist whose groundbreaking work in the early 20th century provided the first effective treatment for leprosy. Born in Seattle, Ball earned dual bachelor’s degrees in pharmaceutical chemistry and pharmacy before becoming the first woman and first African American to earn a master’s degree from the University of Hawaii. At just 23, she developed the “Ball Method,” which chemically modified chaulmoogra oil to make it injectable and more easily absorbed by the body. This treatment brought hope to thousands suffering from Hansen’s disease until the 1940s.

Tragically, Ball died before she could publish her findings, and her work was initially credited to a male colleague. It wasn’t until years later that Dr. Harry Hollmann acknowledged her contributions publicly. Today, she is recognized as a chemist far ahead of her time—likely the first African American published in the Journal of the American Chemical Society. Her legacy is honored with plaques, a university medal, and a day named in her honor in Hawaii.


2. Faith Ringgold (1930–2024)

Faith Ringgold was a visionary African American artist and author known for fusing quilting with storytelling to explore themes of race, gender, and civil rights. Born in Harlem, Ringgold was deeply influenced by the Harlem Renaissance and earned both her bachelor’s and master’s degrees from City College of New York. Initially trained as a painter, she later embraced multimedia, becoming best known for her story quilts, which gave voice to Black American experiences through textiles.

Ringgold was a bold advocate for Black artists, often challenging museums on their exclusionary practices. Her art resides in major institutions like the Guggenheim and the Met. She also authored and illustrated children’s books, using them to instill pride and cultural knowledge in young readers. Ringgold’s vibrant art and tireless activism transformed American visual culture and elevated fiber arts to a powerful political medium.


3. Bessie Stringfield (1911–1993)

Known as the “Motorcycle Queen of Miami,” Bessie Stringfield shattered stereotypes by becoming a solo long-distance motorcyclist in the 1930s and 1940s. Born in Jamaica and raised in the United States, she learned to ride a motorcycle at 16 and set off on eight solo trips across the country, navigating racism and sexism along the way. She often disguised herself as a man and slept on her bike when motels denied her entry due to her race.

During World War II, she served as a civilian dispatch rider for the U.S. Army, completing rigorous military training. Stringfield later became a nurse and founded a motorcycle club in Florida. A fearless trailblazer, she was inducted into the Motorcycle Hall of Fame in 2002. Her legacy lives on in every rider who defies expectations to chase their passion.


4. Dr. Marie Maynard Daly (1921–2003)

Marie Maynard Daly was the first African American woman in the United States to earn a Ph.D. in chemistry, achieving the milestone at Columbia University in 1947. Her groundbreaking research helped identify the link between high blood pressure and clogged arteries, contributing vital insights into cardiovascular health. She also conducted key studies on proteins and cellular chemistry.

Born in Queens, New York, Daly was inspired by her scientist father and the book Microbe Hunters. She later became a dedicated mentor, establishing programs to support minority students in STEM. Daly’s brilliance opened doors not only in science but in higher education, leaving a legacy of intellectual excellence and equity in science.


5. Dr. Valerie L. Thomas (b. 1943)

Valerie Thomas is a physicist, inventor, and former NASA scientist best known for inventing the illusion transmitter, a device that laid the groundwork for modern 3D imaging. Despite facing racial and gender barriers, she graduated with a degree in physics from Morgan State University in 1964 and joined NASA shortly thereafter.

At NASA, she helped develop satellite image-processing systems, including for the Landsat program, and led projects that monitored global crop health. In 1980, she patented the illusion transmitter. Her work continues to influence visual technology in science and entertainment. Thomas is a trailblazer in tech innovation, proving the power of Black women in STEM.


6. Bessie Coleman (1892–1926)

Bessie Coleman soared beyond the barriers of race and gender to become the first African American and Native American woman to earn a pilot’s license. Born to a family of sharecroppers in Texas, Coleman worked in cotton fields and saved money while attending beauty school in Chicago. When no American flight school would accept her, she learned French and traveled to Paris, where she earned her license from the Fédération Aéronautique Internationale in 1921.

Returning to the U.S. as a media sensation, Coleman performed daring aerial stunts at air shows and inspired African Americans to pursue aviation. Nicknamed “Queen Bess,” she dreamed of opening a flight school for Black students. Though her life was tragically cut short in a plane crash at age 34, her courage and ambition blazed a trail for future generations of aviators. Today, aviation schools, streets, and scholarships bear her name in tribute.


7. Willa Brown (1906–1992)

Willa Brown was a dynamic aviator, civil rights activist, and educator who broke barriers in both aviation and politics. In 1938, she became the first African American woman in the U.S. to earn a commercial pilot’s license. A Chicago-based teacher turned pilot, she later co-founded the Coffey School of Aeronautics with Cornelius Coffey. Their school trained hundreds of Black aviators, including over 200 Tuskegee Airmen and instructors.

Brown also made history as the first Black woman to run for U.S. Congress (Illinois, 1946) and as the first African American officer in the Civil Air Patrol. Through advocacy and leadership, she helped integrate military flight training programs. Brown’s work helped change the face of aviation and demonstrated the power of community-based education and activism in reshaping opportunity.


8. Ann Lowe (1898–1981)

Ann Lowe was a trailblazing African American fashion designer whose exquisite gowns graced America’s high society for over five decades. Born in Alabama to a lineage of dressmakers, Lowe learned the craft from her mother and grandmother. After attending design school in New York—where she was segregated from her classmates—she opened her own salons and became the go-to designer for the nation’s wealthiest families.

Lowe’s most famous creation was Jacqueline Bouvier’s wedding gown for her 1953 marriage to John F. Kennedy. Though her name was omitted from news reports at the time, Lowe’s legacy has since been reclaimed. Despite being underpaid and often uncredited, her work exemplified couture elegance and artistic precision. As the first Black woman to own a salon on Madison Avenue, Lowe left a lasting mark on American fashion.


9. Betye Saar (b. 1926)

Betye Saar is a groundbreaking visual artist whose assemblages challenge racist stereotypes and elevate personal and ancestral memory into fine art. Born in Los Angeles, Saar studied design at UCLA and began her artistic journey with printmaking. After seeing an exhibition of Joseph Cornell’s work in 1967, she shifted toward assemblage, using found objects to explore themes of Black identity, spirituality, and empowerment.

Her 1972 piece The Liberation of Aunt Jemima transformed a derogatory “mammy” caricature into a revolutionary symbol, wielding a rifle and a grenade. Saar’s art became central to the Black Arts Movement and Black feminist art, and her work remains in major museums like the MoMA and the Los Angeles County Museum of Art. With her evocative storytelling and fierce reclamation of imagery, Saar continues to influence generations of artists.


10. Henrietta Lacks (1920–1951)

Henrietta Lacks was a young mother whose cancer cells, taken without her knowledge or consent, became one of the most important tools in modern medicine. Born in Virginia and treated for cervical cancer at Johns Hopkins in 1951, her biopsied cells—later known as HeLa cells—were the first human cells to reproduce indefinitely in the lab. Her cells fueled scientific breakthroughs including the polio vaccine, cancer treatments, and even space research.

Lacks died at 31, unaware of the vast scientific impact her cells would have. Her family only learned of the HeLa cells’ existence decades later. The ethical questions surrounding her case sparked national conversations about medical consent and patients’ rights. Today, Lacks is honored globally, her legacy a reminder of the Black body’s historical exploitation—and its immeasurable contributions to science.


11. Claudette Colvin (b. 1939)

At just 15 years old, Claudette Colvin refused to give up her seat to a white passenger on a segregated bus in Montgomery, Alabama—nine months before Rosa Parks made history with a similar act. On March 2, 1955, Colvin was arrested for her defiance. Though young and pregnant at the time, she went on to become a key plaintiff in Browder v. Gayle, the landmark Supreme Court case that struck down bus segregation laws in Alabama.

Colvin’s story was initially suppressed by civil rights leaders concerned with respectability politics, but her courage was undeniable. In recent years, her contributions have received long-overdue recognition. A retired nurse’s aide, she remains a living symbol of youthful defiance and the power of ordinary people to spark extraordinary change.


12. Barbara Hillary (1931–2019)

Barbara Hillary shattered expectations and made history as the first known Black woman to reach both the North and South Poles—after surviving cancer twice and taking up exploration in her 70s. Born and raised in Harlem, she worked as a nurse for 55 years and earned degrees in gerontology. After surviving lung cancer, which reduced her lung capacity, she was inspired to travel to the Arctic and began training in cross-country skiing and survival skills.

In 2007, at age 75, she reached the North Pole. Four years later, at 79, she stood on the South Pole. Her bold spirit defied stereotypes about age, race, and physical ability. Later in life, she became an advocate for environmental justice and climate awareness. Barbara Hillary’s legacy is a powerful reminder that it’s never too late to dream, explore, and inspire.


13. MaVynee Betsch (“The Beach Lady”) (1935–2005)

MaVynee Betsch, affectionately known as “The Beach Lady,” was a classically trained opera singer who gave up her wealth to become an environmental activist and fierce protector of American Beach—a historic African American beach community in Florida. Born into one of the South’s most prominent Black families, Betsch studied at Oberlin Conservatory and performed opera in Europe for over a decade.

After a cancer diagnosis in the 1970s, she redirected her life toward preserving the legacy and environment of American Beach, founded by her grandfather, Abraham Lincoln Lewis. Betsch gave away her entire fortune to environmental causes and became a fixture on the beach, educating visitors about its cultural and ecological significance. Her passion, eccentric style, and unwavering dedication earned her posthumous recognition as a humanitarian and environmental hero.


14. Maggie Lena Walker (1864–1934)

Maggie Lena Walker was a visionary businesswoman and activist who became the first African American woman to charter and serve as president of a bank in the United States. Born in Richmond, Virginia, during the Reconstruction era, Walker rose from modest beginnings to lead the Independent Order of St. Luke, a Black fraternal organization that provided social services and financial support to African Americans.

In 1903, she founded the St. Luke Penny Savings Bank to empower the Black community through financial independence. Under her leadership, the bank enabled hundreds of Black families to buy homes. Walker was also a champion of education, women’s rights, and racial justice. Despite becoming paralyzed later in life, she continued her activism from a wheelchair. Her legacy endures as a model of resilience, leadership, and Black economic empowerment.


15. Octavia Butler (1947–2006)

Octavia E. Butler revolutionized science fiction by centering Black protagonists and tackling themes of race, gender, power, and survival in futuristic worlds. Born in Pasadena, California, Butler battled dyslexia and social isolation as a child but found refuge in books and writing. She earned a degree from Pasadena City College and studied at UCLA before attending the Clarion Science Fiction Writers’ Workshop, where she launched her career.

Her novels—including Kindred, Parable of the Sower, and the Patternist series—blended speculative fiction with social critique, laying the foundation for Afrofuturism. Butler became the first African American woman to gain prominence in sci-fi and the first sci-fi writer to win a MacArthur “Genius” Grant. Her haunting, prophetic narratives continue to resonate, offering both warning and hope about the future. Octavia Butler didn’t just write herself into science fiction—she transformed the genre.


16. Fannie Lou Hamer (1917–1977)

Fannie Lou Hamer was a fearless civil rights leader whose voice—both literal and symbolic—galvanized a movement for racial and economic justice in the Jim Crow South. Born the 20th child of Mississippi sharecroppers, Hamer began picking cotton at age six and left school by 12 to support her family. She spent decades toiling on plantations, where she also served as a timekeeper due to her literacy—an early sign of her leadership.

In 1962, after being fired for trying to register to vote, Hamer became an organizer for the Student Non-Violent Coordinating Committee (SNCC). Her outspokenness and moral clarity brought national attention, especially when she co-founded the Mississippi Freedom Democratic Party (MFDP) to challenge the all-white state delegation at the 1964 Democratic National Convention. Her televised testimony detailing voter suppression and police brutality—delivered with unflinching honesty—shocked the nation.

Though denied political representation, Hamer continued to fight for justice through grassroots economics. She launched the Freedom Farm Cooperative and a “pig bank” to help Black families achieve food and land security. Despite constant physical threats and health complications from a forced hysterectomy, she never stopped advocating. Before her death in 1977, she helped found the National Women’s Political Caucus. Nearly five decades later, she was awarded the Presidential Medal of Freedom posthumously. Her words still echo today: “I’m sick and tired of being sick and tired.”


17. Miriam Benjamin (1861–1947)

Miriam Benjamin was a trailblazing inventor and educator who became the second African American woman in U.S. history to receive a patent. Born in Charleston, South Carolina, in 1861, Benjamin moved with her family to Boston where she attended the Girl’s High School, graduating in 1881. She began her professional life as a schoolteacher in Jacksonville, Florida, and later pursued studies at Howard University Medical School and earned legal training—eventually working as a government clerk in Washington, D.C.

In 1888, Benjamin secured a patent for her invention, the Gong and Signal Chair for Hotels. Her innovation allowed guests to discreetly summon attendants by pressing a button, triggering a bell and raising a visible signal behind the chair. Designed to reduce the need for waitstaff, the chair emphasized comfort and quiet, making it an attractive feature for hotels and government buildings. Benjamin even lobbied for its use in the U.S. House of Representatives, where a similar system was later installed. Her concept directly influenced the modern airplane call button and helped revolutionize customer service signaling.

Benjamin’s multifaceted career—as an inventor, teacher, medical student, and aspiring lawyer—reflected both her brilliance and resilience in the face of social and institutional barriers. Though her name is not widely known today, her contributions remain embedded in the very technology we still use.


18. Zora Neale Hurston (1891–1960)

Zora Neale Hurston was a literary icon and pioneering anthropologist whose work gave voice to the richness of Black Southern culture. Born in Notasulga, Alabama, and raised in the all-Black town of Eatonville, Florida, Hurston was shaped by her vibrant community and the oral traditions that flourished there. After earning her associate’s degree at Howard University—where she co-founded the school newspaper—Hurston won a scholarship to Barnard College. There, she became the first Black student and studied under famed anthropologist Franz Boas.

Hurston traveled extensively through the American South and the Caribbean, documenting folklore, spiritual practices, and oral histories of Black communities. Her anthropological work informed her fiction, which was rooted in authentic dialect and rich cultural detail. Her most celebrated novel, Their Eyes Were Watching God (1937), tells the story of Janie Crawford, a Black woman seeking autonomy and self-realization—defying both literary norms and societal expectations.

Though Hurston struggled financially throughout her life and died in relative obscurity, her legacy was revived by Black feminist writers like Alice Walker in the 1970s. Today, she is recognized as one of the foremost American writers of the 20th century, with a body of work that continues to influence literature, anthropology, and cultural studies. Zora Neale Hurston captured the soul of Black life—and ensured it would never be forgotten.


19. Mae Carol Jemison (b. 1956)

Mae Carol Jemison made history in 1992 as the first Black woman to travel into space, serving as a mission specialist aboard the Space Shuttle Endeavour. A true polymath—physician, engineer, dancer, and educator—Jemison shattered stereotypes and redefined what was possible for women in science and technology.

Born in Decatur, Alabama, and raised in Chicago, Jemison was a curious child who loved science and aspired to reach the stars. She entered Stanford University at just 16 years old, earning degrees in chemical engineering and African and African-American studies. She went on to receive her medical degree from Cornell University and worked with the Peace Corps in Liberia and Sierra Leone, providing medical care, managing health systems, and contributing to vaccine research with the CDC.

Inspired by the space flights of Sally Ride and Guion Bluford, Jemison applied to NASA in 1985 and was accepted in 1987. Her mission aboard Endeavour in 1992 included conducting bone cell research in microgravity. Jemison brought cultural symbols with her into orbit, including a West African statuette and a flag from the Alpha Kappa Alpha sorority, celebrating both science and heritage.

After leaving NASA in 1993, Jemison founded her own technology consulting firm and launched the 100 Year Starship project—an ambitious initiative to make interstellar travel possible within the next century. She also became an advocate for STEM education, especially for girls and students of color, and authored several children’s books. A lifelong dancer, Jemison even appeared in an episode of Star Trek: The Next Generation, fulfilling a dream inspired by Nichelle Nichols’ role as Lieutenant Uhura.

With multiple honorary doctorates and inductions into both the National Women’s Hall of Fame and the International Space Hall of Fame, Mae Jemison remains a powerful symbol of Black excellence, curiosity, and the limitless reach of human potential.


20. Dr. Mildred Fay Jefferson (1926–2010)

Dr. Mildred Fay Jefferson broke barriers in medicine and public advocacy, becoming the first African American woman to graduate from Harvard Medical School in 1951. She also became the first woman to graduate from Harvard in surgery, the first woman employed as a general surgeon at Boston University Medical Center, and the first woman admitted to the prestigious Boston Surgical Society.

Born in Pittsburg, Texas, Jefferson was a gifted student, entering college at 15 and eventually earning degrees from Texas College and Tufts University before making history at Harvard. Her medical expertise and commanding intellect made her a pioneer in surgery during an era when both her race and gender presented steep obstacles.

In the 1970s, Jefferson became a prominent figure in the right-to-life movement. She co-founded the Massachusetts Citizens for Life (MCFL) and later the Right to Life Crusade, Inc., serving as its founding president. Her articulate opposition to abortion rights earned her national attention, and she served as a board member and delegate to the National Right to Life Committee (NRTLC). Throughout her life, she was known for fusing her medical knowledge with passionate public advocacy, often speaking out on moral and ethical dimensions of healthcare.

Dr. Jefferson’s legacy is complex, encompassing groundbreaking medical achievements and decades of activism. Whether in the operating room or on the national stage, she defied expectations and left a lasting imprint on American medicine and political discourse.

A Five-Minute Walk to Recreation and Solitude

DeKalb County, Georgia, boasts 113 parks and 10 recreational centers, offering residents diverse opportunities for fitness, leisure, and cultural engagement, fostering a strong sense of community and well-being.


By Milton Kirby | Atlanta, GA | March 18, 2025

DeKalb County, Georgia, is home to an extensive network of parks, recreational centers, and performing arts facilities, offering its residents a diverse range of opportunities for fitness, leisure, and cultural engagement. With 113 parks spanning 1,728.5 acres, the county ensures that nearly every neighborhood can access green spaces, many within walking distance of the neighbors they serve, fostering a strong sense of community and well-being.

Michelle Long Spears D-2 – DeKalb Park Ranger M. Hritz

Neighborhood Parks and Walkable Recreation

Many of DeKalb’s parks are easily accessible on foot via sidewalks and bike paths, making outdoor recreation an effortless part of daily life. These small, walkable neighborhood parks provide a tranquil escape for residents seeking solitude, exercise, or social gatherings. Larger parks, such as Sugar Creek Golf Course (310 acres), Mystery Valley Golf Course (265 acres), and Wade Walker Park (176 acres), offer extensive facilities for sports, golf, and outdoor activities.

A Commitment to Community Well-Being

Under the leadership of Chuck Ellis, Director of DeKalb County’s Recreation, Parks, and Cultural Affairs Department, the county continues to enhance the quality of life for its residents.

“It is our job to create an opportunity for a better quality of life for the communities of DeKalb County through people, parks, programs, and partnerships,” Ellis states. “We encourage all members of the community to join us in promoting active and healthy lifestyles through participation in parks and recreational activities.”

Photo by Milton Kirby Pendergrast Park Play Ground

The department’s mission is to connect communities with exceptional parks, top-tier recreation facilities, and cross-generational programs designed to encourage physical activity and social engagement. Their work is guided by the DeKalb County Recreation, Parks, and Cultural Affairs Citizens Advisory Board, an 11-member body providing direction and oversight.

Recreational Centers and Facilities

DeKalb County boasts ten state-of-the-art recreational centers, each with multipurpose halls, classrooms, dining rooms, fitness areas, game rooms, and locker facilities. Many centers also feature 30′ x 75′ saltwater lap pools, which provide specialized fitness programs aimed at improving agility, balance, and coordination—especially for senior citizens. All facilities are ADA-compliant, ensuring accessibility for individuals with disabilities.

DeKalb County Recreation Centers:

Youth Sports and Community Engagement

The county’s recreational programs extend beyond facilities, offering a variety of youth sports and instructional clinics. From track and field to specialized training programs, DeKalb County encourages young residents to develop lifelong athletic skills while promoting mental and psychological well-being.

How to Register

Parents can sign up their children for youth sports programs through the county’s website or by contacting Sports Coordinator S.L. Summerour at slsummerour@dekalbcountyga.gov.

Upcoming Sports Programs

  • Spring Track and Field: This event is open to participants ages 5 to 14. Registration starts February 1 and ends March 1, with four scheduled track meets.

Pavilion Rentals and Community Events

For those looking to host gatherings, DeKalb County offers pavilion rentals for family outings, reunions, and celebrations. The county provides well-maintained spaces for leisure and social events, with reservations available online.

Pavilion Rental Fees

  • Small pavilions: $100 (accommodates up to 50 people)
  • Large pavilions: $150 (accommodates up to 100 people)
  • Out-of-county residents: Additional $30 surcharge

For reservations, visit DeKalb County Pavilion Reservations.

A Future of Recreation and Cultural Enrichment

DeKalb County’s vast park system, high-quality recreational facilities, and cultural programs play a vital role in fostering a healthy, active, and connected community. Whether it’s a five-minute walk to a neighborhood park, a youth sports program, or a cultural arts event, residents have endless opportunities to enjoy the best that DeKalb County has to offer.

For further inquiries, contact DeKalb Parks and Recreation at dekalbparks@dekalbcountyga.gov.

Selma’s Bloody Sunday makes 60 years – An estimated 15,000 mark the solemn day that changed America – minus Republicans

60th Anniversary of Selma to Montgomery March: Thousands Gather to Honor Foot Soldiers and Fight for Voting Rights. Inspirational speeches and reflections on the past, present, and future of American equality and justice were shared by prominent leaders and a 7th-grade foot soldier from 1965.


By Christopher Young

Where to even begin? So many in our country want to erase the truth. They are employing a sinful revisionist history. How in God’s world can they look in the mirror? The sacrifice of the foot soldiers on March 7, 1965, cannot and will never be erased, revised, or forgotten. Thank God for television. The whole world saw the vicious and bloody assaults at the hands of white Alabama State Troopers and others, upon innocent non-violent African-American marchers seeking the equality inherent in the right to vote. It is American history that the march from Selma to Montgomery (March 7-25, 1965) galvanized American’s support for the Voting Rights Act of 1965. The Edmund Pettus Bridge – a bridge named after a Confederate Brigadier General, Grand Dragon of the Alabama Ku Klux Klan, and U.S. Senator – will forever be remembered.

By Christopher Young – Edmund Pettus Bridge

Sixty years later, on Sunday, March 9, 2025, under overcast skies with just an occasional drop or two of rain, an estimated 15,000 people gathered to remember that historic day and those foot soldiers – their unyielding determination and courage playing out in a racist America – remembering the price that is never ever marked as ‘paid-in-full’ in our country.

On Sunday, there was no massive security operation, no metal detectors to pass through, no snipers on rooftops adjacent to the foot of the bridge where long speeches are normally provided during Democratic administrations. When there is no president or vice president in attendance, all those things go by the wayside where the bridge crosses the mighty Alabama River in the town of Selma, Alabama. A town with a population of 17,971 per the 2020 Census, where 81.2% of population are African American, and 28.3% live in poverty. 

The mood on the bridge this year expressed the full-range of emotions of We the People – from tears of joy to tears of anguish that the fight is never finished. Scores of faces were lined with seriousness, reverence, determination and awe – akin to a pilgrimage. By guesstimate, a solid 20% of marchers were age 21 and below. 

By Christopher Young – Alabama-Troopers-Shuford-James

This year there were some speeches on the other side of the bridge. Reverend Jesse Jackson was pushed in a wheelchair. Reverend Al Sharpton is always there. Others included NAACP President Derrick Johnson, National Urban League President Marc Morial, President of the National Coalition on Black Civic Participation Dr. Melanie L. Campbell, Selma Mayor James Perkins, Jr., Alabama Representative Terri Sewell (Selma native), House Minority Leader Hakeem Jeffries, Representative Maxine Waters, Rev. Senator Raphael G. Warnock, Alabama 2nd District Rep.

Shomari Figures, D-Mobile, reminded that “in two years we can make liars out of all those people who say we don’t vote,” Dr. Benjamin J. Chavis, Jr. – president & CEO of the National Newspaper Publishers Association, i.e. The Black Press, Bobby Henry – chairman of the Board of The Black Press, Reverend Mark Thompson – NNPA’s Global Digital Transformation director, and Kentucky Governor Andy Beshear, a Democrat, who spoke in favor of DEI, “…sixty years ago marchers were met by an Alabama governor full of hate and ignorance…I believe that diversity is a strength and never a weakness. I know we’ve got a lot more marching to go. If you’ll have me, I’ll be there every step of the way…”

“No Justice – No Peace” call and response was heard often, and a group of young people – Black Men & Women Live, from Atlanta, Georgia, chanted, “I am a link in this chain, and it will not break here.” Singing was heard throughout Broad Street leading up to the bridge, and included, We Shall Overcome and Ain’t Gonna Let Nobody Turn Me Around.

The Mississippi Link newspaper was privileged to meet with Reverend Dave Fulford (pictured above), a foot soldier still in the 7th grade and at the back of line with the other children on March 7, 1965, in one of his offices a couple miles from the bridge, just 90 minutes before he was due at the foot of the bridge to be part of the first wave to cross this year. He stressed the importance of education and hard work. He rose through the ranks at IBM to supervise projects in numerous countries. After retiring, he moved back to Alabama and started a non-profit – Blackbelt & Central Alabama Housing Authority that helps low-income families, seniors and veterans with housing issues, repairs, food, and health information. He continues service as executive director.

By Christopher Young – Dr.-Benjamin-J.-Chavis-Jr.-Reverend-Mark-Thompson

Additionally, he serves as pastor of Camden Mission Seven Day Adventist Church in Camden, Alabama.

Reverend Fulford shared some of his family and educational background and values. “We were taught as children to respect our country and stand up for what is right, liberty, and that all men are created equal. The other foot soldiers gave me a reason to live. We have lost our way as a country. Even here in Selma…black on black crime…we sacrificed so much and were living in deplorable housing…the leadership is appalling when you see what could be done and is not being done.”

What will you say to the readers of The Mississippi Link newspaper about these times we are in now after you have given everything in you to push forward and now, we are being pushed backward? “When I see what’s going on, I’m praying ‘Lord please help America to get back on track.’ One thing, in our nation, I believe in the Constitution, the Bill of Rights, and everything that we stood for as a country is now being changed. 

“The removal of DEI is awful…IBM saw the value of it…when I see what’s going on in America today, I just ask God to please help America to go back to when all men were created equal. Many people are losing their jobs, and grants. I write a lot of grants. That’s what I do for housing, and I don’t know what’s going to happen, so I just say Lord please help America, and the last thing I’ll say – one of our most powerful weapons that we have as Americans is vote, vote, vote. One person, one vote, is a powerful weapon.”

Dr. Bobbie J. Little – A Teacher First

Dr. Bobbie Jeanne Little: A Lifetime of Service and Education Discover the inspiring story of Dr. Bobbie Jeanne Little, a dedicated educator and advocate for youth and families, with a 45-year career in education and community service.


By Milton Kirby | Wadesboro, NC | March 17, 2025

Rarely do individuals discover their passion and calling early enough to allow it to be a part of their lifelong journey, but Dr. Bobbie Little did.

It is not often that the things, people, and places that I write about include my own personal experiences, thoughts, and emotions. This piece is different. Dr. Little is my sister. I remember vividly, as if it were yesterday, when she walked, no, she marched down the aisle with the kind of glee that you might see in the eyes of a six-year-old on Christmas morning to marry one of my five brothers in 1977.

Photo by Milton Kirby – Bobbie Little

Some years later, their ways parted. Even to this day, she remains a sister to the rest of us, and more importantly, she continues to be a thoughtful, generous, and caring daughter to my 94-year-old mother.

Over the years Bobbie and I have monitored each other’s careers, ups and downs, successes and failures. But somehow, along the way I lost track of some of her accomplishments. Could it be because my own work started to take more of my time and energy? Did I become a less concerned and loving brother? Or maybe, my subscription to the Anson Record expired and I did not notice for several years.

There has to be an explanation. Let’s hope that the journey we are taking today will help us discover some of her accomplishments and accolades, which I lost track of.

In my collection of memorabilia, I found the following: Thursday, April 9, 1987, from the Anson Record and The Messenger and Intelligencer, Bobbie Little Kirby Outstanding Young Woman of America For 1986. She was selected in recognition of her outstanding ability, accomplishments, and service to the community. Wednesday, July 31, 1996, Kirby will be the assistant principal in Mt. Gilead. Bobbie Little Kirby accepted a position with the Montgomery County School System at the West Middle School. In 2003, Leadership Anson graduated a new class; Bobbie was one of the 12 graduates of the seventh Leadership Anson class. Saturday, September 13, 2003, The National Association of University Women Wadesboro Branch, Honors Bobbie Jeanne Little as Woman of the Year 2003. This was an exceptionally special occasion as I joined her sister Georgia and her nieces in delivering our own tributes to Bobbie at this momentous occasion. Wednesday, May 26, 2004, Bobbie Little earns an education doctorate. Her dissertation, “Factors Relating to the Achievement Gap In Selected North Carolina Rural Elementary Schools.”

I frequently hear people say of someone else and, from time to time, themselves that they got “emotional.” I am still unclear on what that means. As someone who has lived more than half of my life, I am not embarrassed to say that as I worked on this piece, tears constantly dripped from my eyes. Each tear represented a time that Bobbie made me or someone else laugh or feel encouraged and cared for.

Dr. Little’s interest in the betterment of others showed through practically everything she touched, including her doctorate dissertation. She was concerned about student achievement in elementary schools in Anson County. She researched the problem and has worked tirelessly to remedy the achievement gaps.

When you read Dr. Little’s official bio, you see the following: “Dr. Bobbie Jeanne Little is the daughter of the late Richard and Esther Rorie Little of Wadesboro, NC, and was born and raised in the Ruby Orchards area of Lilesville, NC. She has served 45 years as an educator and advocator for youth and families. She began her educational career as a Reading Tutor at McRae School in Morven, NC and then as a bus driver and teacher assistant at T.W. Bennett Elementary School in Lilesville, NC. Furthering her studies, as she worked, she would earn a certification enabling her to serve as a teacher and assistant principal in Anson County Schools. She served as principal in Montgomery County and Wake County. Later, she was Director of Education for the Central Region of North Carolina’s Department of Juvenile Justice and Delinquency Prevention, she retired after 33 years of service to the State of NC.”

After retiring from the State of North Carolina, she began a new career as a college professor and clinical supervisor of student teachers in the Department of Education at Shaw University. She worked there for 10.5 years. While working at Shaw University, she also served as an adjunct professor at the University of North Carolina at Pembroke, supervising student teachers. At opportune times, Dr. Little taught at Richmond Community College, South Piedmont Community College, and Wake Technical Community Colleges as an evening adjunct faculty member.  Even though she has had an illustrious career and decades of service, she has agreed to return to Shaw University in the Fall of 2025.”

The view of Dr. Little, as she is known and called by most of her colleagues, is something like this. She is known for developing phenomenal relationships with parents and empowering them to be actively involved in their children’s education. One of her philosophies can be summed up as “For Children’s Sake.” While teaching in public schools, she often taught students who were not the highest academic achievers. However, overall, her students showed significant growth from the beginning of the year to the end of the year. When asked about this, she attributes much of this success to building relationships and communication between parents and stakeholders.

She truly believes that more learning will occur when students know that educators care about and believe in them. She believes that relationships built on compassion and trust will produce massive positive outcomes for all. While she was a classroom teacher, her firm and fair classroom management and leadership skills were recognized by her colleagues. She was encouraged to begin her studies in school administration.

Dr. Little did not go to college directly out of high school. She raised a daughter who eventually followed in her footsteps into education; she cared for both of her ailing parents until their subsequent passing. No, Bobbie’s educational journey was not typical, but the way countless others have achieved their educational success.

Mr. Michael Freeman – Retired superintendent Anson County, NC schools

As fate would have it, she worked during the day and attended college classes at night and on the weekends. She earned her Bachelor’s and Master’s in Education degrees from the University of North Carolina at Pembroke, her Education Specialist (Ed.S.), and Doctor of Education (Ed.D.) degrees from the University of North Carolina at Charlotte, and continuing education credit hours from the University of North Carolina at Chapel Hill through Principal Executive Programs.

Bobbie considers herself “a teacher first” in whatever capacity she serves. In her 40-plus years of service, she has received numerous honors and awards, including All-State School Board recognition for outstanding service to the education of North Carolina’s Children. Her fellow board members nominated her to serve on the North Carolina School Board Association’s Legislative Committee. She was appointed as Commissioner of the North Carolina Principal Fellows Program in 2024.

Dr. Little has also found time to serve on the boards of the State Employee Credit Union, Anson Regional Medical Services, Anson County Zoning Board, Anson County 4-H Youth Promises, Closing the Achievement Advisory Board, and Anson County Juvenile Crime Prevention Council. She is serving her fourth term on the Anson County School Board, where she has served as chairman and vice chairman.

On March 30, 2012, Dr. Little became the first African American and first female in Anson County to receive the North Carolina Order of the Long Leaf Pine Award for service from Governor Beverly Purdue. Since its creation in 1963, the Long Leaf Pine Award has been presented to honor persons with a proven record of service to the State of North Carolina or some other notable achievement and to others as a gesture of friendship and goodwill. Upon being named to The Order of the Long Leaf Pine, the honoree receives a certificate by which the Governor confers upon the recipient “…the rank of Ambassador Extraordinary privileged to enjoy fully all rights granted to members of this exalted order.

Bobbie has been recognized and honored by the North Carolina School Board Association, H.O.L.L.A. (Community Impact Award), National Association of University Women (NAUW) for service from the branch, sectional, and national levels, Governor’s Volunteer Award, and churches in the community. She is a member of Anson Women’s League, Linkon Chapter #564 Order of the Eastern Star, PHA, Lifetime Member of NAACP, and Golden Life Member of Union County Alumnae Chapter, Delta Sigma Theta Sorority, Inc.

Christina Rose former student of Dr. Little

In her spare time, she enjoys reading, fitness walking, traveling, and golf. When she is faced with challenging tasks, she finds solace on the golf course and fitness walking. She is a member of the Ladies Professional Golf Association-Amateurs, Sandhills and Charlotte Chapters, Carolina Golf Association, and the Seven Lakes Women’s Golf Association.

She does motivational speaking for programs serving youth during summer programs and other times. 

Did I mention that Bobbie has a forgiving heart of gold? In 1977, Bobbie bestowed upon me the honor of capturing her wedding day on film. I borrowed a large format camera from the high school photography instructor. I had only used the box-shaped Mamiya once before. I managed to find all the angles and did not miss a special moment during the wedding ceremony.  I soon ran out of film. Then I pulled out my Petri 35mm for the reminder of the ceremony. When the film was developed, I did not have one picture on the large format camera, I had loaded the film incorrectly. I did manage to get a few good shots with my Petri. I was forgiven.

It has been said that “imitation is the sincerest form of flattery.” Bobbie’s daughter watched her life journey and decided follow and imitate. Kimelon, is a graduate of UNC-Pembroke and UNC-Chapel Hill. She received certifications from Pfeiffer University and Gardner Webb University. She is employed by the Wake County Public School System in the Curriculum, Instruction, and Assessment Department serving over 40 elementary schools. She is pursuing doctoral studies currently.  Prior to this position, she taught in Anson, Durham, and Wake County Public Schools.

Webster defines a “living legend” as a person who is famous while still living for doing something extremely well.

Webster defines “famous” as widely known, honored for achievement, excellent, or first-rate.

Dr. Bobbie J. Little, my sister and a teacher first.

EU beer and winemakers fear business will dry up under Trump’s tariffs

US President Trump’s tariffs threat sparks fear in Europe’s drinks industry, with wine and spirits producers warning of devastating impact on jobs and exports, potentially crippling key markets.


Alcohol producers are reeling after the US president threatened retaliation against EU whiskey tariffs, leaving a key export market ‘dead in the water’

By David Chazan, Tom Kington, Isambard Wilkinson, Bruno Warfield | Friday, March 14, 2025

From picturesque vineyards that produce Côte de Beaune fit for Manhattan supper soirées to Belgian breweries whose beers delight blue-collar Americans, one question is on the minds of Europe’s drinks industry: how do we survive Trump’s tariffs?

Fear is rising that the president’s trade war will have a devastating impact and many have expressed fury at Brussels over what they perceive as a failure to accommodate Trump’s demands or, worse, a hostility towards the president that has exacerbated the situation.

With the president declaring that he would hit European alcohol exports with tariffs of up to 200 per cent, we meet the manufacturers who are on the front line of an existential fight they neither wanted nor expected.

Battle will take a lot of bottle

Thiébault Huber had a simple message for a teetotal president who has taken aim at wine and champagne. “Trump ought to relax and have a glass of burgundy to calm himself down,” said the head of the winemakers’ confederation in the region that produces what many people regard to be the world’s greatest wines.

However, he had little sympathy for Brussels bureaucrats, who he accused of starting the transatlantic war of words. Trump’s threat came after the European Commission said it would impose a 50 per cent surcharge on US whiskey imports in response to tariffs on steel and aluminium. “The European Commission shouldn’t have retaliated like this,” Huber said.

“We met a huge number of MEPs before they took the decision to increase the charge on imported bourbon. We told them not to do it, that the reaction from the US would be terrible, but despite all our warnings, here we are, threatened by tariffs that will annihilate the wine and spirits trade.”

Nicolas Ozanam of the Federation of French Wine and Spirits Exporters agreed. “We’ve been telling the European Commission for months that targeting American bourbon and whiskey serves no purpose,” he said. “No one wins from trade wars, they’re idiotic. Business will dry up completely.”

Burgundy exports nearly a quarter of its wines to the US but Huber said vintners were working on increasing their sales to other parts of the world. “Demand is rising in a lot of African countries, as it is in eastern European countries too. Asia is still an attractive market and Scandinavia is very active,” he said.

However, Christine Sévillano, head of the Federation of Independent Champagne Producers, warned that finding new markets was time-consuming and expensive. “It can take years to develop a market in a particular country. If we have to redirect our investment into other countries, it will be very costly,” she said.

France’s wine and spirits industry is one of its biggest employers. Hundreds of thousands of jobs could be jeopardised by disruption to trade with the US, which is the sector’s biggest export market, worth €3.8 billion a year.

Time to fortify the spirits

Until recent developments with the Diet Coke-drinking president, the sherry producers of southern Spain had been primarily focused on the drought that had left them fearing for crops.

The prospect of tariffs had a chilling effect on companies such as Barbadillo, for whom the US market represents a great hope for the future of its best wines. “It would be disastrous for business,” said Tim Holt, the international area director of the company, which is based in Sanlucar de Barrameda. He said the tariffs would leave one of his principal export markets “dead in the water”.

Fear has gripped wine businesses across Spain, particularly in the rioja and cava-producing regions of the north. Over the border in Portugal too, port and madeira are reeling from the possible impact.

“[It] would clearly and effectively remove Spanish wines and European wines in general from the entire US market,” said José Luis Benítez, director-general of the Spanish Wine Federation (FEV). Wine exports from Spain to the US reached a total value of 390 million euros last year. For cava producers, such as Cordoniu and Freixenet, the US accounts for 10 per cent of total sales.

The US market is important for Barbadillo sherry as an outlet for its premium wines. “I have just come back from a visit and there is a great appetite for premium sherry across the generations,” Holt said. “The US has huge potential for sherry and tariffs would destroy that.”

Feud over beer gets bitter

Benjamin Franklin, the founding father of the United States, knew a good pint when he saw one, once memorably noting: “Beer is proof that God loves us and wants us to be happy.”

The Americans who drink some 80 million litres of Belgian beer every year would agree. Their thirst is not limited to relatively upmarket offerings, with large quantities of cheap, mass-produced Dutch lager, such as Heineken, consumed.

Alain De Laet of Belgium’s Brouwerij Huyghe makes the famous Delirium Tremens beer, which has an intimidating alcohol content of 8.5 per cent, and carries the symbol of pink elephant. “We are immediately sending our entire stock of Delirium, two months’ production, to the US,” he told Het Laatste Nieuws. “About twenty containers, good for about 300,000 litres of Delirium in bottles, barrels and cans, will leave next week.

“Almost a quarter of our turnover comes from America. If Trump continues, our Delirium will no longer be saleable there.”

Dolf van den Brink, chief executive of Heineken, one of the biggest brewers in the world, criticised the uncertainty triggered by Trump’s announcement. “A trade war is in no one’s interest,” he said, stressing that companies can “stand up to the American trade whims together”.

He added: “We are the beer men and women. We are always a bit optimistic.”

Not so lovely bubbly

In recent years the Italians who grow grapes for prosecco have expanded to cover a planting area between Venice and the Alps. Many farmers have abandoned arable crops to switch to grapes as the sparkling wine appeared set to conquer the world. The boom times, however, may be over.

Trump’s tariffs may halt the sparkling wine’s triumphant conquest of the US. After prosecco’s invasion of the UK, North America has been the next target for north Italian producers, who have seen US sales soar by 51 per cent in the last four years.

“It would be absolutely unsustainable, it would ruin all the efforts we have made in the US to create a market and culture for our wines,” the prosecco producer Elvira Maria Bortolomiol told La Repubblica.

The 124 million bottles of prosecco sold in the US in 2024, for which American drinkers paid $1.86 billion, accounted for 19 percent of the entire Italian production of 660 million bottles last year.

Federica Boffa, who produces high-priced barolos, was defiant, claiming that American lovers of the wine would rebel against the US government. “This could be a boomerang — the Americans love our wines and I don’t believe they will keep quiet and swap Italian or French wines for a Napa Valley chardonnay or cabernet,” she told La Stampa.

No Retirement For Me

Jonathan Clements reflects on the life changes driven by his terminal cancer diagnosis at age 61. Despite his prior focus on frugality and saving for retirement, he now prioritizes enjoying daily life, simplifying finances, and ensuring his family’s financial security. His philosophy embraces making meaningful memories while managing his health challenges.


I Saved And Planned For A Long One. Then I Heard From My Doctor.

By Jonathan Clements

This won’t come as a big surprise: Dying makes you look at the world in a different way—the world of money included. Among friends and family, I’m known for hard work and self-discipline. I spent almost two decades at The Wall Street Journal, churning out personal finance columns every week. I saved so diligently that I could have retired at age 51, but instead opted to write books and launch a personal finance website. My self-control extends to exercise: I’ve run or bicycled pretty much every day since 1995.

Courtesy –  Jonathan Clements

What was my reward for this life of industry, frugality and clean living? In May 2024, at age 61, I got an out-of-the-blue diagnosis of cancer, the result of a defective gene. The cancer had metastasized from my lung to my chest, liver and brain. My oncologist said I might have a year to live. I’m hoping for a tad longer because my body has responded well to treatment. Still, it’s only a matter of time before cancer gets the upper hand.

In the meantime, I find myself wandering through life with a different mindset from almost everybody else. How so? Here are 19 ways that my thinking and my finances have been transformed by my diagnosis.

1. I spent nearly my entire adult life saving like crazy so I could retire in comfort—and yet, faced with my terminal illness, I have no plans to retire. Instead, I want to keep doing what I’ve been doing for years: getting up early, making coffee, exercising, writing and editing, napping after lunch, taking an afternoon walk, enjoying an evening glass of wine. These are the things that bring me pleasure each day, and I have no desire to stop now.

2. Do I regret my decades of frugality, including previously living for 20 years in a modest house I never much liked? Far from it. The money I saved won’t go toward my retirement, but it still bought me a lot of happiness—because it allowed me to avoid financial worries for much of my adult life.

3. I could spend with reckless abandon now, but my old frugality persists. My partner, Elaine, and I had been living together for four years and were already engaged when I got my diagnosis. We married four days later, partly because she won’t qualify for Social Security survivor benefits unless I’m still alive nine months after our wedding. Since then, we’ve taken a few special trips, and we have a few more planned. But I’ll only open up my wallet so far. You won’t find me paying $5,000 to fly business class to Europe.

4. Never an enthusiastic shopper, I’m now even less inclined to buy new things. Last fall, Elaine insisted I purchase new shoes for my son’s December 2024 wedding. I wear those shoes whenever I get the chance—because it’s the only way I could justify the cost.

5. Gifting has become a top financial goal. One reason I’m not spending like crazy: I want to make sure I bequeath a healthy sum to Elaine and my two children, now in their 30s, from my previous marriage. I also made some financial gifts right away, including writing large checks to my kids and funding 529 college savings plans for my two grandsons.

6. I’ve long invested aggressively, keeping 80 percent or more of my portfolio in stock-index funds. Now that I know it’s likely I won’t live more than another year or two, I’m even more aggressive. Why? I’m no longer investing for my retirement. Instead, I’m investing for my heirs, and their time horizon is far longer than mine.

7. Because old age is no longer in the cards, all kinds of issues are off the table. I don’t have to fret over future long-term care costs, or whether to choose original Medicare or Medicare Advantage, or how to minimize my retirement tax bill. Instead, my top priority is making sure everything is in good shape for my heirs.

8. As of my 62nd birthday in January of this year, I could have applied for Social Security. But I won’t. My goal is to get Elaine a healthy stream of Social Security benefits. After much research—including a consultation with the developer of opensocialsecurity.com, a free Social Security strategy calculator—I figured out that in our situation, I should skip claiming. Instead, Elaine will claim survivor benefits based on my earnings record when I die. Once she turns 70, she’ll swap to a benefit based on her own record.

9. I thought my financial affairs were well organized. I was kidding myself. I’ve spent months shredding old tax returns, ripping up investment statements and organizing what remains. I fear that if I don’t throw out unneeded paperwork, my family will think it’s important—and I will have bequeathed them unnecessary confusion.

10. There’s always more to throw away. I’ve moved four times since 2011, shedding possessions on each occasion. Yet I keep finding more things to toss or give away. My 13 years of downsizing have taught me to be ruthless. The fact is, there’s nothing that I’ve unloaded over the past 13 years that I wish I could have back.

11. For years, I’ve been carting around a box of old mail: notes from old girlfriends, Christmas cards from 1986, letters I got while at college. Mixed in there was some really bad poetry I wrote. Did I carefully review everything in the box? Hardly. I tore up most items after a quick glance and added them to the recycling bin. Am I glad my kids will never see all this stuff? You bet.

12. My finances were pretty simple, but I’ve been simplifying them even more. I’ve closed two of my four credit cards, liquidated a small IRA I inherited from my father, and folded a solo Roth 401(k) into my Roth IRA. All this is a whole lot easier for me to do now than it will be after my death, when family members will have to produce death certificates and prove they have the authority to act.

13. I’ve added Elaine to my various insurance policies and made her the joint account holder on my two checking accounts. One of those checking accounts is debited for all utilities—gas, water, electricity, inter-net, cell phones—so it’ll be easy for her to take over the household finances.

14. Two days after I was diagnosed with cancer, I sat down with Elaine and my children to walk them through my estate plan. I quickly realized one conversation wouldn’t be enough. Stuff that was second nature to a financial nerd like me was baffling to them—things like the difference between traditional and Roth IRAs and what a “step-up in cost basis” means. Since then, I’ve fielded countless questions from Elaine and my kids.

15. Even as I tidy up my affairs, I’m also getting the house fixed up, including taking on a two-month bathroom remodeling project. I’ve learned that this is an affliction that often hits men confronting their mortality: They want to make sure all is in good order for their spouse or partner.

16. Time has always been more valuable than money, and never more so than right now. I want to devote each day to the things that I really care about, while minimizing annoyances. What if contractors or customer service reps are being unresponsive? If necessary, I’ll play the C card, telling them I don’t have long to live. Yes, it’s surprisingly effective.

17. As news of my cancer has spread, I’ve been inundated with countless messages. If I read every book about cancer that’s been recommended to me or agreed to meet with everybody who wanted to visit, I’d have no time for the things that matter to me. The good news: When a dying man says “No,” people tend to listen.

18. I still want to make a difference in the lives of others. That’s why I continue to write and edit every day. In return, I end each day feeling fulfilled and with that pleasant sense of progress that makes me happy.

19. I refuse to feel angry about my bad luck or despondent over the years I’ll never enjoy. Instead, I’m determined to make the most of each day. I’ve long thought happiness has three key ingredients: a sense of financial security, time with family and friends, and doing work I love. My diagnosis has made me even more focused on those three things.

Every few months, I have a brain MRI and a body scan to see whether the cancer has spread. Every three weeks, I get blood drawn, which may offer a warning sign of trouble. Someday—maybe next month, maybe next year—the results won’t be in my favor.

Until then, Elaine and I will continue to make plans for the four or five months that lie ahead, but no more than that. It’s the frugality thing again. We can cancel hotel rooms and rental cars without penalty. But changing airline tickets and cruises can be costly. And I sure don’t want to be confronted by both death and cancellation fees.

Jonathan Clements is the founder of www.HumbleDollar.com and the former personal finance columnist for The Wall Street Journal.

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