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Give Yourself Some Credit |
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Written by Administrator
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 Slow and Steady
I am sure that many of us, as we have attempted to purchase
assets and things not so asset-like, have had to fill out that little form
affectionately known as a credit application. Many times, they are shoved under our noses as we just about to check
out of a department store. Often we are
told, just as we decide on a living room suite, that we are entitled to
purchase it with, “No Interest! No Payments ‘Till March 2010!” The truth of the matter is, we should have
all been schooled in the area of credit and how it works before we ever filled
out that first application.
It’s a good idea to start building your credit slowly but
surely. Building credit is like letting
a pot of gumbo slow-cook over a fire.
The taste will be long-lasting and you’ll appreciate it for a long time.
If you are looking to establish credit for the first time or even looking to
rebuild your credit, you could begin by visiting your local credit union or
bank and telling them that you would like to establish credit by taking out an
unsecured loan for a relatively small amount.
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3 Financial Lessons We Can Learn From the Jena Six |
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Written by Administrator
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 I have been watching with great interest, the case of the Jena Six. For those of you who may not be aware of this high-profile case, it involves six young Black men in a central Louisiana town called, Jena. This town of 4,000 residents has been the hotbed of controversy, demonstrations, and media from all over the world. The issues began when a young Black man decided to sit under a tree on the school property, a privilege that up until that time, had been only reserved for white students. Soon after he did this ‘unthinkable’ act, a group of white students did an unthinkable act of their own, and hung a noose from the tree to send a message to the black students of Jena, “You don’t belong here. Remember you place”. This culminated in a fight where the 6 young black men are being charged with attempted murder and other charges in the beating of a white student and supposedly giving him a concussion (he later attended a party that evening). There have not only been inflammatory statements by other white students but by the District Attorney in that area. He was quoted telling a group of protesting Black students, “I could end your life with the stroke of a pen.” Since then fights have broken out and tensions have flared bringing this small town into the spotlight for many weeks.
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Written by Kandise Lucas, PhD.
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? Tithing.
There! I said it! So many ideas, fears, thoughts, etc. go through one’s mind when this word is said. It can be said by a preacher in a pulpit or a televangelist on tv…the well of emotions is same. Give ten percent of your income….remember, gross, NOT net.
I was raised as a “tither.” My mother, who is an ordained minister, always made sure that we gave a tenth of our allowance every week during Sunday school. As I grew and became more independent, I continued this practice.
For over twenty years, I cheerfully gave my tithe and much more to every church that I attended. Prior to arriving to service each week, I would neatly and thankfully complete my tithing envelope, making sure that my handwriting was neat and the flap was tightly sealed. I would then place the envelop in my bible under my favorite scripture for that week.
When Sunday arrived, I could not wait to get to church for Sunday school and morning service. The choir would sing, the mother of the church would testify, a deacon would pray, and then……it was time to pass the plate! I could finally give my tithe.
Approximately ten years ago, I joined a church in Richmond, Virginia, where I had relocated to be near my family and attend graduate school. I continued to bring my tithe on a regular basis because I enjoyed the act of giving and felt honored to support God and the ministry efforts of my church.
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Written by Kandise Lucas, PhD.
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 What would your money say if it could talk? I know, this sounds like a child-like and silly question, but it does have some merit to it.
If we were to sit down and honestly assess our financial health, spending habits, and saving efforts, I am certain that our funds would have a lot to offer us in terms of positive and negative feedback.
While I am an educator by profession, I am a "retail specialist" by choice. (A "retail specialist" is the professional term for "frequent shopper.") Now, before any thoughts of maxed out credit cards or using mortgage money to shop my life away come into play, I must share that I am a "thrifty retail specialist". That means that if it is not on sale or clearance, then, in most instances, I will not buy it. For me, the shopping smart is a woman's ultimate sport!
Having said all of this, as I was in line, in the process of satisfying my shoe craving by purchasing a pair of three-inch high, classic black leather pumps, my money spoke to me (and no!, I am not unstable, I just have a vivid imagination and I was open to listening.) My money thanked me for using it wisely by making sure that i conserved it and refrained from using it irresponsibly.
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