
By Gwendolyn Riase (pictured), Contributing Writer (Editor's note: The below article is that of Gwendolyn Riase and not necessarily the opinion or position of Cleveland Urban News.Com or the Kathy Wray Coleman Online News.Com. Her comments are her opinion and are not meant to serve as any legal, financial or other advice)
CLEVELAND, Ohio-Most of us keep a sharp eye out for potholes on the road. It can really cost you big bucks to replace your tires, rims and hubcaps. These are literal potholes. But there are also financial “potholes” that will devour you and all your money without a watchful eye for them, as well. Here are two to consider:
Lump Sum Settlements – Let’s say you sued someone and won a sum of money that is to be paid monthly or yearly until it is paid to you in full. Or you have an inheritance or win the lottery. You may have a large sum of money coming to you, but you’ll only be paid in small amounts (yearly or monthly) over a number of years. Some companies are willing to offer you a large lump sum of money now so you don’t have to wait before you’re paid in full. Of course, the lump sum is a much smaller amount than what is due to you.
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By Kathy Wray Coleman, Associate Publisher, Editor, Cleveland Urban News.Com and the Kathy Wray Coleman Online News Blog.Com

By Kathy Wray Coleman, Associate Publisher, Editor
By Kathy Wray Coleman, Associate Publisher, Editor, Cleveland Urban News.Com and the Kathy Wray Coleman Online Newsblog.Com
CLEVELAND, Ohio- (Editor's note: Below is a response by Kimberly Brown (pictured) to the guest editorial of Larry Woods, who called Brown a hater for her guest editorial to Cleveland Urban News.Com opposing Cleveland Mayor Frank Jackson's (pictured) education plan and the 15 mill Cleveland Municipal School District operating levy on the ballot for November. Among other provisions, Jackson's plan, which is now state law with Republican Gov. John Kasich's support, replaces teacher seniority with merit pay and hands public funds slated for the majority Black district for charter schools. The Cleveland Teachers Union leadership team, all nine Blacks on Cleveland City Council, Congresswoman Marcia Fudge (D-11), all of the Black state legislators from Cleveland but state Sen. Shirley Smith (D-22), and the Cleveland Plain Dealer and Call and Post Newspapers support the mayor's controversial plan. Community activists generally oppose it and Cleveland Urban News.Com www.clevelandurbannews.com and the Kathy Wray Coleman Online News Blog.Com have not taken a formal position on the controversial issue but will do so in coming weeks. And the aforementioned Black officials that backed the plan are not necessarily backing the levy, though Cleveland Ward 8 Councilman Jeff Johnson, who enjoys some support from grassroots factions on community matters, is among those that have publicly announced support of it. The mayor controls the schools under state law, and appoints the Cleveland Board of Education).
By Larry Woods, Guest Columnist



