DO BLACKS LAG WHITES IN FINDING GOOD JOBS AND BUILDING WEALTH IN 2019?

You have to decide how you’re going to show up in life,” she said. “I’ve used some of my differences as a way to stand out and to hopefully count and matter — and hopefully create an opportunity for others.” Her advice to those who may want to follow in her footsteps: “Be confident in your own ideas.” “Be brave,” she said. “Bravery is not the absence of fear, it is overcoming ...

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A 52 – WEEK SAVINGS PLAN SO SIMPLE EVEN I DID IT!

Thursday night I was driving to the store (Ok it was a Bundt Cake Store- I lost momentary control!) and heard on the radio several Federal Prison Guards talking about the hardship of this partial government shutdown.  The inability to pay for gas, many single officers sleeping at the prison to save gas money. One guard in tears saying he and his wife discussed what could they afford to buy for their ...

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GOVERNMENT SHUTDOWN DEMONSTRATES WHY EMERGENCY SAVINGS IS NOT A WANT BUT AN ESSENTIAL NEED!

The partial government shutdown, which began Dec. 22, 2018, has stretched well into 2019 and may continue for weeks or months given the two parties inability to negotiate and behave like middle grade children. About 420,000 "essential" employees are working without pay, while another 380,000 have been ordered to stay home. In some cases, the furloughs have forced government employees to tap into their savings, apply for unemployment, add to their ...

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WEALTHY FOLKS BENEFIT FROM DOLLAR COST AVERAGING – WHY DON’T YOU?

To take advantage of ups and downs in the price of stocks, many investors, including myself, utilize Dollar Cost Averaging (DCA) as a strategy. DOLLAR COST AVERAGING: is an automated and disciplined investment strategy. It removes emotions from the investment process because you are investing a fixed amount of money at set periods. As the price of an ETF, Mutual Fund, or stock varies from month to month, you acquire the ...

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BUYING EQUITIES ON SALE!

So you are thinking about buying a new car?  Year-end sales are coming in a few weeks and the car manufacturers will discount thousands of dollars and offer zero interest.  Do you buy at today’s full price or wait?  Personally, I wait for sale prices for clothes, electronics, vehicles, equities, etc.  The stock market gives you sale prices when the market corrects and drops a few percentage points.  This is ...

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Do You Want or Need a Cadillac?

When I was young, there was a house I would notice when riding to my Grandmama’s house.  It was an old wooden structure house, which needed a new paint job and even had cracks in the wood so I could see inside the house. But what stood out, was the brand new four door Cadillac sitting in front of the house.  The house and the land was NOT worth the ...

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