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How start investing for the long-term

NNPA NEWSWIRE — Ask yourself why you want to invest: Is it to prepare for retirement, buy a home, or start a new business? How much money will you need for your goals? Then, organize your investment priorities by the amount of time needed to achieve them. Writing them down can help you think clearly about which goals you have, and which you need to start with.

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It’s never too early to start investing in your retirement. Take advantage of your employer’s plan, if they offer one. Set aside as much money as your employer is willing to match. (Photo: iStockphoto / NNPA)

Learn about the investment options available to you that make the most sense for your long-term financial success.

Investing can help your money grow. But before you move your money to anything riskier than a savings account or IRA, you should review the ways you can do so.

Making well-advised investments comes down to cultivating the right mindset and getting educated about the options available to you. Investing can be a means to secure your long-term financial health, but you should also consider the risks attached to each investment option, and how these relate to your own willingness to take on risk. Framing investment risk against your own long-term priorities can help you decide what investment vehicles will be best.

Follow these key steps to hone your investing strategy.

Choose investment priorities

Ask yourself why you want to invest: Is it to prepare for retirement, buy a home, or start a new business? How much money will you need for your goals? Then, organize your investment priorities by the amount of time needed to achieve them. Writing them down can help you think clearly about which goals you have, and which you need to start with.

Your investment priorities should also be informed by your particular financial situation. You should invest no more than you can afford to lose. That way, you won’t jeopardize your short-term financial health as you work toward achieving more long-term aims.

Invest in your company’s employer-sponsored retirement plan

It’s never too early to start investing in your retirement. Take advantage of your employer’s plan, if they offer one. Set aside as much money as your employer is willing to match.

Employer-sponsored retirement plans can take many forms, such as a 401(k), 403(b), or 457(b). Some people choose to manage their own investment portfolio by investing in a mixture of stocks and bonds. A portfolio with more stocks than bonds is considered higher risk, along with a potential for high returns on investment, while a portfolio with more bonds than stocks will be the opposite. If you choose to manage your own retirement portfolio, think about which balance makes the most sense for you.

That balance could also shift over time depending on your risk tolerance as you get older. For example, as you near retirement, investing in less risky bonds rather than stocks could be a better approach. Generally, you can afford to take on more risk earlier in your career because you have time to adjust if the market takes a downturn before you withdraw the money. Once you’re closer to retirement, you’ll want to take on less risk to help ensure your retirement funds are more secure when you need them.

Work with a financial planner

Everyone prefers a different level of autonomy when it comes to investing. While those who want to retain complete control can pursue a self-directed investment strategy, many find it helpful to seek outside advice. You can get started by visiting the Hands on Banking® website to get an understanding of the basics of investing and retirement, like how social security works, or what the difference is between stocks and bonds.

Another option to consider for guidance is robo-advisors. These online platforms provide an automated investment service, some of which with access to human financial advice. You can also seek the advice of a Certified Financial PlannerTM (CFP®) to build a unique plan that works best for you. A CFP can help you manage your goals and simplify the complex world of investing. To find a CFP in your area, visit the Financial Planning Association’s national database. See if there are free resources available to you locally as well.

As you plan to invest, keep your personal financial goals in mind and be ready to adjust your plan as your situation changes. When you prepare, investments can be a great way to help you reach financial goals.

© 2019 Wells Fargo Bank, N.A. All rights reserved.

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Federal Raids Target Migrant Kids, Split Families

BLACKPRESSUSA NEWSWIRE — The Trump administration has reportedly removed at least 500 migrant children from their homes across the United States and placed them into government custody, according to multiple sources familiar with the matter.

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By Stacy M. Brown
Black Press USA Senior National Correspondent

The Trump administration has reportedly removed at least 500 migrant children from their homes across the United States and placed them into government custody, according to multiple sources familiar with the matter. The children, many of whom were living with family members or other vetted sponsors, were taken during so-called “welfare checks” carried out by Immigration and Customs Enforcement (ICE) and other federal agencies. According to CNN, the operations are part of a larger campaign launched shortly after President Donald Trump returned to office, with federal authorities setting up a “war room” inside the Department of Health and Human Services (HHS) to review data on children who entered the country alone and were later released to sponsors. Officials have used the room to coordinate efforts between agencies, including ICE and the Office of Refugee Resettlement (ORR), which oversees the custody of unaccompanied migrant children.

Trump officials claim the effort is aimed at protecting children placed in unsafe conditions or with unqualified sponsors, pointing to cases where children were released to individuals with criminal backgrounds or those involved in smuggling. Homeland Security spokesperson Tricia McLaughlin said the welfare checks have led to the arrests of some sponsors and the transfer of children into ORR custody. Federal data shows more than 2,500 children are currently in ORR custody. CNN reported that the average stay has grown significantly, from 67 days in December 2024 to 170 days by April 2025. Former Health and Human Services officials say new vetting rules—including income requirements, government-issued ID, and DNA tests—have made it far more difficult for parents and guardians, particularly those who are undocumented, to reclaim their children.

In some cases, reunifications that had already been scheduled were canceled. A recent lawsuit details how two brothers, ages 7 and 14, remain in government care because their mother cannot meet new documentation requirements under the revised policies. Mark Greenberg, a former senior HHS official, stated that the approach puts children in a difficult situation. “To the extent, the goal is to determine whether children are in danger or in need of help, this isn’t a good way to do that because it creates fear that anything they say could be used against their parent or family member,” he said. Immigration enforcement agents reportedly have visited children’s homes and asked about their journey to the U.S., school attendance, and upcoming immigration court appearances. Legal advocates say these visits, which sometimes include the FBI, are not standard child welfare procedures and can create fear and confusion among minors.

An FBI spokesperson confirmed the agency’s role, saying, “Protecting children is a critical mission for the FBI, and we will continue to work with our federal, state, and local partners to secure their safety and well-being.” Multiple outlets noted that the Trump administration has not provided clear evidence that large numbers of children are missing. Instead, it has referenced a Department of Homeland Security inspector general report from 2023 that noted more than 291,000 unaccompanied minors had not received notices to appear in immigration court. Former officials note that these figures do not necessarily indicate that the children are missing; some lacked updated addresses or were affected by administrative backlogs.

Within HHS, officials were instructed to expedite policy changes. Former ORR Ombudsman Mary Giovagnoli stated that a senior ICE official, Melissa Harper, was temporarily appointed to lead ORR. Her short tenure was followed by Angie Salazar, another former ICE official who now frequently communicates with White House Deputy Chief of Staff Stephen Miller. Trump’s team argues the Biden administration allowed thousands of unaccompanied children to enter the country without sufficient oversight. Jen Smyers, a former ORR deputy director, stated that all sponsors underwent thorough vetting, including Department of Justice background checks and reviews of the sex offender registry. “No amount of vetting is a predictor of the future,” she said. The Miami Herald recently reported that a 17-year-old foster child in Florida was removed from his home in shackles and transferred to ICE custody. The boy and his mother had crossed the border without documentation, but he had been living in a state-supervised foster placement. The case raised concerns about the state’s cooperation with federal enforcement and the message it sends to immigrant families. Concerns about federal custody of vulnerable children are not confined to immigration.

In North Carolina, a 7-month-old baby died after being left in a hot minivan by her foster mother, who now faces charges of negligent child abuse and involuntary manslaughter. In Hawaii, dozens of children have been forced to sleep in government offices and hotels due to a shortage of foster placements. In North Dakota, a foster couple has been charged in the death of a 3-year-old after surveillance footage showed the child being repeatedly assaulted. “These cases show what happens when systems meant to protect children fail them,” said Laura Nally, director of the Amica Center for Immigrant Rights Children’s Program. “There’s a growing concern that these welfare checks are being used to carry out mass detentions of sponsors and unnecessarily return children to government custody.”

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Protests of a Costly and Historic Parade

BLACKPRESSUSA NEWSWIRE — President Trump is planning an elaborate and costly celebration for the 250th anniversary of the U.S. Army that coincides with his birthday.

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By April Ryan

It will rain on President Trump‘s parade on Saturday if most weather forecasts correctly predict the chance of storms. President Trump is planning an elaborate and costly celebration for the 250th anniversary of the U.S. Army that coincides with his birthday. When asked if he plans to attend the massive D.C. celebration, New York Democratic Congressman Greg Meeks exclaimed,” Heck no!” He elaborated, saying, “It is clear to me that what Donald J. Trump is trying to do is to emulate Vladimir Putin.” Trump and Putin, the Russian president, are friends. Meeks feels “that’s where he initially got the idea from when he saw the tanks going down the street and how people bow down to Vladimir Putin, how…that authoritarian runs his country where no one questions what he does.”

Meanwhile, around the nation 1600 protests are scheduled to coincide with what is happening in Washington, D.C. Democratic Congressman Al Greene confirms he will attend several “No King Day” protest rallies and marches in his home state of Texas. The congressman questions the president’s comments about using “force” for anyone trying to stop the parade. Reverand William Barber plans to be in Philadelphia on Saturday. “We are having a rally bringing people together,” the civil rights leader confirmed. The leader of Repairers of the Breach added, “Those rallies are gonna be massive and multiracial of every race, color, creed, religion, geographic area, so this is not a moment. We must have a constant movement.”

Weeks ago, DC Mayor Muriel Bowser warned the parade, and all its military might, and pageantry would cost “many millions of dollars” just to repair District streets after the heavy artillery tanks rolled down the historic roads in the nation’s capital. Tall gates and other barricades around the White House are part of the parade’s security measures. The Secret Service has warned of a high-security presence in the area for the parade. You can expect to see military tanks, dozens of other military vehicles, and thousands of service members marching along a route stretching nearly four miles from the Pentagon to the White House.

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Critics Question 2024 Results as Musk Tactics Surface

BLACKPRESSUSA NEWSWIRE — Now, a Wisconsin nonprofit has filed a legal complaint accusing Musk, his America PAC, and a Musk-affiliated group called United States of America Inc. of violating state election laws by bribing voters.

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By Stacy M. Brown
Black Press USA Senior National Correspondent

Donald Trump’s return to the White House in 2024 has reignited questions about election integrity, particularly after his remarks thanking Elon Musk for what he called a “landslide” win in Pennsylvania. “He knows those computers better than anybody… all those vote-counting computers,” Trump said. “So, thank you to Elon.” The comment set off alarm, including Texas Rep. Jasmine Crockett. “So, Trump is rambling on about he and Elon rigging the election?! Am I missing something or is he confessing to yet another damn crime?!” she posted on social media.

Now, a Wisconsin nonprofit has filed a legal complaint accusing Musk, his America PAC, and a Musk-affiliated group called United States of America Inc. of violating state election laws by bribing voters. The Wisconsin Democracy Campaign and two voters allege Musk handed out $1 million checks and that his PAC paid $100 to registered voters who signed petitions and gave their contact information. Wisconsin law prohibits offering anything of value over $1 to encourage someone to vote. The complaint also cites violations of the state’s lottery ban. The plaintiffs are asking a court to declare the actions illegal, prevent future violations, and award damages if applicable.

The lawsuit follows a failed attempt by Wisconsin Attorney General Josh Kaul to block Musk’s actions earlier this year. Kaul argued that Musk’s conduct amounted to illegal inducement, but courts declined to intervene before the April state Supreme Court election. Jeff Mandell, president and general counsel for Law Forward, which represents the plaintiffs, said this new case is being filed under more typical legal timelines. “We’re trying to create … accountability in a more regular timeline, in a way that gives the courts the opportunity to look at this more carefully,” Mandell said.

Musk, who served briefly as a Trump adviser and led a short-lived federal agency focused on cost-cutting, has denied wrongdoing. He initially promoted the giveaways as rewards for early voters but later revised eligibility criteria following legal scrutiny. The controversy has added fuel to growing concerns over anomalies in places like Rockland County, New York, where Vice President Kamala Harris reportedly received virtually no votes despite Democratic victories in other races. “We know exactly what happened and how it unfolded, and we’re asking the court to say this is not acceptable,” Mandel has said.

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