“I Want To Help Women & They Want To Attack Me” Andrea Kelly Says Women Have Attacked Her For Speaking Out Against R. Kelly

Lifetime / NeueHouse NY Luminaries Present 'Surviving R. Kelly' With Civil Rights Activists And Survivors

Source: Chance Yeh / Getty

Anytime a woman decides to speak up and share her truth at the expense of a man, she takes a risk. The risk is heightened when that man is Black, famous and beloved. And while there have been dozens of women who have spoken out against singer R. Kelly and his sexual perversion and physical abuse, for one reason or another, people are attacking Andrea Kelly, the singer’s ex-wife and mother of his three children.

Andrea discussed the backlash she’s received in the last few months since going public with her story on tonight’s episode of “Growing Up Hip Hop: Atlanta.”

Talking to Deb Antney, Andrea said that just when she thinks her life is regaining a level of normalcy, another headline surfaces and she often learns of her husband’s latest indiscretion with the rest of the world.

In her confessional interview, Kelly said, “These past few months have been a roller coaster of emotion. When I think about the ways that I have been abused by Robert, from being hogtied, having both of my shoulders dislocated, to being slapped, pushed, having things thrown at me, the sexual abuse, the mental abuse, words can’t even describe. There’s some things that I don’t even speak anymore. I feel like once you give it to God, you better leave it with God. Because if I don’t leave it with God, I’m definitely going to be somewhere with my hands on the glass, visiting my children.”

Later, talking to Deb she thanked her for the support she’s extended to her over the years.

“I wish more women had somebody like you. You really know the sh*t I have been through. And this sh*t I been going through lately with Robert all in the press…Man, if I didn’t have women like you, I think I would be done with females because they have attacked me in such a way. And here I am putting myself in a position because I want to help women and they want to attack me!”

You can watch the clip of Andrea speaking with Deb and detailing her abuse, here.

“Growing Up Hip Hop: Atlanta” airs Thursdays at 9 p.m. ET/PT on WE tv.

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As New York struggles to undo the lies of anti-vaxers, moms step in to help

There’s no question: The ongoing measles outbreak in New York is in a league of its own.


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US intel shows Saudi Arabia escalated its missile program with help from China

The US government has obtained intelligence that Saudi Arabia has significantly escalated its ballistic missile program with the help of China, three sources with direct knowledge of the matter said, a development that threatens decades of US efforts to limit missile proliferation in the Middle East.


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Sticking to sports can help kids adjust

By participating in organized physical activity from the age of 6, children will have less risk of emotional difficulties by the time they’re 12, a new study finds.
K-12 Education News — ScienceDaily

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General Motors Gives the Iconic Chevy Blazer a Reboot with Help from This Young, Black Aerodynamics Engineer

What do you think of when you think of who typically drives a Chevy Blazer; a white dude—maybe in the Midwest or South? Someone who lives for off-roading their vehicle through dirt trails? Well, the Chevy Blazer has gotten a reboot in 2019. General Motors is targeting its new lineup of crossover Blazers to a younger, more diverse consumer market. And helping to lead that effort is someone who fits that demographic: Charles Muse—a 28-year-old aerodynamics engineer at General Motors.

“I’ve been a car guy since I was little,” says the Ohio State University grad who hails from Chicago. “I helped my dad restore his vehicle. I tore apart my car, broke it, fixed it, and broke it again,” says Muse.

He’s not just a ‘car guy’ though. Muse received both academic and sports scholarships to attend Ohio State where he played basketball. He also participated in a number of technical programs before attending college which he says fostered his love for aircrafts and flying. He ended up studying aerospace engineering.

It was at a career fair that Muse was introduced to the idea of working with General Motors. “I always thought ‘Oh, I’m an aerospace engineer major, I’ll go to Boeing, I’m going to go to Lockheed Martin – I’m going to work on aircrafts,” he recollects.

“And then I went to a career fair at General Motors and they said, ‘No, we have aerodynamicists. We work a lot with stringent fuel economy requirements that are coming out. We have a need for aero performance engineers.’”

A New Era in Crossover Vehicles

Muse spoke about his passion for the new Chevy Blazer and what it took to make the car come to life. His enthusiasm as he shows the vehicle and talks about what his role was in creating it is palpable.

“Overall, you can tell this vehicle has a very striking stance,” says Muse. “And that’s because when it was framed up we knew that we wanted to penetrate the crossover market and we wanted to do something dramatic. So we started out with the Chevrolet Camaro which is the born and bred American muscle car, and we took those proportions and we threw it into a crossover. That ideology just bloomed and grew into something that we could make functional.”

Chevy Blazer

(TalismanPHOTO for Chevrolet)

The new Chevy Blazer lineup is available in three models. The Blazer RS—is the sportiest iteration. The RS features a honeycombed grill and from the front, resembles the iconic Camaro design.

The Blazer Premier model has a bit more of a sophisticated look with more chrome detailing and a slightly sleeker design. The third version, the Blazer, has the same athletic design but not as much content packaging according to GM reps.

The demand for crossovers—vehicles that combine the features of a car with an SUV or truck— is growing. According to a report from Quartz, crossovers could make up 50% of US car sales by 2020.

That demand means it’s an ideal time for black STEM grads to land prestigious positions at car manufacturers, even if their academic majors may not seem a fit in the industry as Muse found out. He also spoke about how his aerodynamic knowledge led to implementing specific features in the new Chevy Blazer.

Aerodynamics Infused With Cars

Muse says he and his team “worked hand-in-hand with the design team” on engineering functions.

“If you [said] to me, ‘hey we got this fuel economy target,’ I know exactly what, from an aero perspective, I need to do for this vehicle to meet that target,” explains the engineer who also has a pilot’s license.

“But it’s also not going to look as pretty as I want. So I have to work with the designers and say ‘OK well, we have to maintain this feature line and this wheel base and this stance, to make it work.”

Chevy Blazer

(TalismanPHOTO for Chevrolet)

Crouching down alongside the vehicle, Muse points out various features. “Underneath the vehicle we have different panels and shielding; we have different features on the front, how we shape it – like this may just look like a little insert piece, but it’s there for function,” he says.

“We reduced the overall pressure on the vehicle. If you’ve even been on the highway and you put your hand out the window and it’s all nice and smooth – and then you turn your hand this way and it’s trying to push [it] up – [it’s] the same thing with a car and that determines your fuel economy.”

“I’ve changed things from wheels to the hood line,” he says. While the goal is to give the Blazer the athletic look, there are other considerations for engineers to work out.

“[The hood’s] height differential is purely driven by aero[dynamics] because if you have air that is flowing up –you might have seen, if you’ve driven in the rain, how the water creeps us and goes up your windshield—that determines at what point the air hits – and that’s a big enabler for aero performance,” he says.

“[We] can’t bring the hood up too much because there’s vision requirements – there’s pedestrian protection requirements – you don’t want to hit someone and then it puts that person directly into your windshield.”

From Ideation to Actualization

Muse says it can take over four years for a vehicle to go from concept to an actual production model.

Chevy Blazer

(TalismanPHOTO for Chevrolet)

“We have this design that starts as a sketch and we go to a clay model; figure out what we need to do what concepts we need to add to the vehicle; how do we need to shape it so that we can meet a certain drag number, or aero requirement that automatically translates to fuel economy,” he says.

“There’s so much you have to think about and boxes you have to stay within, but still we have an aero requirement that we need to meet. So you really exhaust all angles. It’s my job to figure out: Can I reduce the pressure of the car, get better fuel economy, and make it quiet while also maintaining the design? And the designer will come in and say, ‘yep, and we are going to make it black because that looks sexy.’”

 

 

 

 

Career | Black Enterprise

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These 5 Minimalist Wallets Will Help You Streamline Your Everyday Carry

It took me years to realize that I didn’t have to hold onto every single receipt and shove it into my wallet. And with that realization came the obsession with minimalist wallets. Give me a handful of card slots and a place to store some paper essentials (cash, coffee punch card, health insurance, you know) and I’m golden. We’ve taken the liberty of rounding up some of the best-reviewed and best-selling minimal wallets to keep your things safe while cutting down on your accessories footprint.

Travelambo Front Pocket Minimalist Leather Slim Wallet, $ 15 on Amazon: With a 4.6-star rating on over 5,800 reviews, this is a simple, minimalist wallet with some gravitas. It features three vertical and one horizontal card slots on one side. The other side has an ID window and a second horizontal pocket. Plus, the middle is a perfect cash pocket.

NOMATIC Men’s Slim Minimalist Wallet, $ 20 on Amazon: A more utilitarian take on the minimalist wallet, this is a slim, lightweight sleeve to hold up to 15 cards. And to get to those cards, it has an easy-to-use pull tab to reach your most used ones.

Read more at The Daily Beast.

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How an ‘Avengers: Endgame’ Mindset Can Help Rebuild the Black Community

More than 100 million people went to see Marvel Studios blockbuster, Avengers: Endgame. I’m a huge Marvel fan and according to these stats, I have to assume some of you are as well. The Avengers were able to save the world by adopting the mindset of “whatever it takes.” Black folks will have to adopt this same mindset, but it means understanding inclusion and how it will play a huge part in the rebuilding of the black community.

SPOILER ALERT! Skip the next paragraph if you have not watched the movie and read the one after it.

The last 10 minutes of the blockbuster is epic. Just as Captain America looks weary and helpless, and we think it’s over, and the good guys have lost (again), he gets a message to look to the left. A portal appears and out walks Black Panther and a couple of Wakanda warriors. You could hear everyone in the theater make a collective sigh among all the cheers. As portals continue to open, we see Spiderman, Dr. Strange, the Wasp, Star-Lord, Scarlet Witch and all our favorite heroes and she-roes appear on the battlefield.

Black Communities vs. Inclusion

That scene made me think about a question I ran across on Facebook:  “Black people, shouldn’t we build up the black community before we start fighting for inclusion?

It’s a good question that causes contemplation. My comment was this: we should do both. We need to build up our communities. But since most of us also work with and live beside people different from us, whom we are competing against for promotions, equal pay, level playing fields for our kids and ourselves—inclusion is paramount. This question has been lingering in the back of my mind for the past few weeks because I know there are many who feel this way and it deserves more conversation.

For more than 27 years now, I’ve been engrossed in advocating for the black community to be heard, to be respected, and to be resurrected to the prestige of the 1920’s Black Wall Street, which was in Tulsa, Oklahoma—where I live. If you are not familiar with Black Wall Street, you have some homework to do. It was the mecca for black-owned businesses. Unfortunately, it along with many black people were destroyed in 1921 and it is now referred to as the 1921 Tulsa Race Massacre. The entire black business community was burned to the ground by an angry white mob.

Even if you aren’t familiar with Black Wall Street, its irrefutable success is what I believe people in the black community imagine when we say, we need to support our own and keep our dollars in the black community.

I think we also imagine a magical place like Wakanda—where we own the country, are self-sufficient, make our own laws and live by a code of honor. Wakanda is a fantasy world created by Marvel Comics. It will never happen. Black Wall Street, in Tulsa, Oklahoma, was created by black businessmen and women. It was real, sustainable, undeniably successful and magical in its own way, born out of necessity. Could Black Wall Street happen in black communities across America? For that to even be a notion, one key tenant would have to be challenged: the ability to do it alone. We did it before, but time and circumstances were different. We need inclusion and there are many of us who don’t value it. So what is our endgame?

Let’s look at this situation from the perspective of the Avenger’s film that grossed $ 2 billion dollars in its weekend debut.

(Before you start shaking your head and saying, it’s just a freaking movie, you should know that Iron Man agrees with me.)

Robert Downey Jr., whose character, Tony Stark, plays Iron Man says, “The last eight minutes of that movie are maybe the best eight minutes of the entire history of…the whole run of them, in a way, because everyone’s involved.”

Applying the Avengers: Endgame Mindset to Rebuilding the Black Community

This mindset says, we don’t care about your color, your gender, your religion, whether you fly, are a robot, an ant, a wasp, a green monster or a raccoon, if you are willing to join the cause to fix this problem, we want and need you. Not only that, but the Avengers didn’t need to agree on everything to work together. In fact, there are many scenes in which they don’t even like each other. But it never stopped them from fighting for the world as it should be, a place where everyone is included and valued.

That is a movie. In reality, I would love nothing more than to have Black Wall Street back with one replicated in every city in America. It would be an amazing source of economic stability that would allow black folk to create our own wealth. Our pride would be indescribable. I stand a little taller just thinking about how resilient black business people had to be in 1920 to build something that amazing and progressive.

What does inclusion look like in rebuilding our black communities? It looks like wealthy black folks investing into black communities, while those living there take care of the investment to make it worth it. It looks like multicultural dollars, which means get your paper from every customer you can. It looks like adopting professional business practices from successful businesses no matter who is at the helm. It looks like interacting with city and government officials who are in positions to change policy so we can create equitable sources of income and build Tax Increment Finance Districts around our black communities to help sustain growth. Our endgame is to rebuild our black communities with 21st-century ideas that use our superpowers to collaborate with other superheroes who are down for the cause.

The ideas and opinions expressed in this article are solely those of the author’s and not necessarily the opinion of Black Enterprise.

 

 


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Russia Targeting European Parliamentary Elections With Help of Far-Right Politicans

Denis Sinyakov/Reuters

Russia and Europe’s far-right political parties are using the same fear tactics to influence crucial European Parliament elections to be held May 23 to 26. The New York Times reports that servers used to launch attacks against the Democratic National Committee in the 2016 U.S. elections are now hosting websites used by far-right parties in Germany and Italy.

European parliamentary elections are especially important in the Brexit age, when leaders will be looking to establish new Europe-wide regulations on immigration and Russian sanctions—issues which have traditionally divided the bloc. Russia benefits when leaders who are interested in lifting sanctions gain power in Brussels.

The Russian manipulation websites are focused on sowing fear about migration and over-regulation by Brussels. Most are linked back from social media misinformation posts that push anti-immigrant and nationalist stories across Europe. The Times reports that Russia is “undeterred” in the spread of misinformation with the intent to influence European elections despite recriminations after meddling in the 2016 US Presidential elections.

Read more at The Daily Beast.

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Online project management training that can help boost your career

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The reality show Shark Tank doesn’t paint a complete picture of all of the intricacies of running a business but it does give you an idea of what project managers do in real life.

Appointed PMs are in charge of overseeing the entire production cycle, and it’s their neck that’s usually on the line if something goes haywire. They’re also often the first people to get the boot since they fail to propel their teams to success.

The sheer amount of responsibility put on the shoulders of project managers is what makes them in-demand in the real world. Companies pay top dollar to professionals who are adept at producing deliverables accurately, on time, and within the budget. Read more…

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‘Lentils will help you run faster:’ Communicating food benefits gets kids to eat healthier

Affirming statements like ‘eat your lentils if you want to grow bigger and run faster’ are more effective at getting kids to make healthy food choices than presenting the food repeatedly without conversation.
Child Development News — ScienceDaily

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Vodafone presses Germany for more help in broadband rollout: Welt am Sonntag

Vodafone wants the German government to facilitate the rollout of ultrafast fiber broadband connections to homes and businesses by investing in the “last mile” of networks, the company’s Germany chief was quoted saying.


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Cardi B Keeps It Real About Changing Her Body After Baby With The Help Of Plastic Surgery

2019 Billboard Music Awards - Arrivals

Source: Daniel Torok / Getty

Cardi B isn’t ashamed to say she’s gone the mommy makeover route after having daughter, Kulture.

The 26-year-old star, who just picked up six Billboard awards at the show on Wednesday night, opened up about her post-baby body nine months after welcoming Kulture.

“I feel good, and then sometimes I feel like not, you know?” she told Entertainment Tonight. “Your skin is more stretched out.”

Despite the stretching skin, Cardi has gone to different lengths to feel good in it. When asked about the rock-hard abs she’s been flaunting these days and what she has done to get them, Cardi coyly said, “Stuff.” And while she wanted to keep some things a secret, she wasn’t afraid to share that she’d recently had work done again on her breasts.

“I just got my boobs redone,” saying she’s fully healed from the experience. “My daughter f–ked me up! She did. She sure did.”

This revelation comes after Cardi revealed in an Instagram Live video last year that she was thinking about having some liposuction and getting her breasts done over, saying, “my body’s still not where I want it to be. I still got like a lot of love handles right here. They’re not much, but I’m used to having a real tight stomach, so it’s like seeing all this extra skin and sh-t — where the f–k did you came from? I might just get a little lipo, you know what I’m saying?”

“I will get my boobs done over,” she added. “I just don’t know when I’m gonna have the time to do it because I don’t think I got a whole month or three weeks for recovery.”

Well, seems like the star made time to recover just in time to be red carpet fresh for last night’s show.

This isn’t the first time she’s been honest about having work done. Cardi has spoken about having butt injections done during her time stripping, and getting work done on her breasts in the past. Being upfront about it all has seemingly given her the confidence to flaunt her curves, often doing so on social media and on stage. If you need some examples of this, hit the flip to check out more photos of Cardi showing off her body after baby.

Billboard Music Awards - Season 2019

Source: NBC / Getty

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A $22 fitness tracker is here to help you reach your swole goals

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In a perfect world, we’d all crush our workout goals without a personal trainer or Barry’s Bootcamp instructor behind us.

But the reason why we often let our fitness dreams fall by the wayside isn’t a lack of willpower, but a lack of visibility into all the progress we’re making. As the saying goes, you can’t improve what you don’t measure, and merely tracking your steps using your phone’s health app isn’t going to cut it.

If you genuinely want to stay accountable for your health goals, you need something like the Sinji Fitness Tracker — a trusty wearable that can track your calories, steps, sleep, and activity right from your wrist. Unlike pricer wearables like a Fitbit or an Apple Watch, the Sinji is super affordable. In fact, you can get one right now for 77% off. Read more…

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How an Accountant Can Help You Plan Your Startup

Whether you’re about to start a business or you’re setting
goals for an existing one, an accountant can help you create a solid Business
Plan with accurate financial calculations.

A Business Plan is a fundamental document for startups, with
information that encompasses several aspects of your business. Business owners
often create a plan to identify their goals, objectives, and strategies for
success; they’ll often use the plan to pitch their business idea to potential
investors and prove their ability to organize and accumulate resources.  

It’s common for companies to include hard numbers in their
plan to outline their company’s assets, production and operation costs,
calculated profit margins, and loan or investment repayments. In some
instances, companies will also attach their general financial statement.

So, when it comes to crunching numbers, business owners are faced with a decision: what’s worth more—time or money? On one hand, you could save money by managing your finances by yourself. On the other hand, you could save time by hiring a professional to crunch those numbers quicker than you ever could.

In this post, learn how hiring an accountant to organize and communicate the financial data can help you start a successful business.

Creating Financial Projections

Financial projections are a crucial aspect of a Business Plan because they provide a clear understanding of your current financial situation and a prediction of your full profit potential. However, a common problem associated with starting a business is being overly optimistic with financial forecasts. Although your calculations may seem conservative at first, achieving your business goals could take longer and cost more than you would think.

Accountants know that investors are looking for a realistic financial forecast, so they’ll
follow certain procedures to come up with believable projections. For instance:

  • They’ll examine your income statement, assessing the money you’ll earn (revenue) and
    spend (expenses).
  • They’ll create an accurate cash-flow projection, showing investors or loan officers your low
    credit risk.
  • They’ll summarize numbers in a balance sheet, painting a picture of
    your business’ net worth.

Finally, an accountant will present this information in a way that’s easily understood, often including charts and tables for demonstration.

Estimating the Cost of a Startup

After creating a comprehensive financial projection, an
accountant will have a clear view of the costs for starting your business. Too
many businesses fail because they don’t properly estimate the expenses for
their startup.

For instance, an owner might plan for the costs associated with renting a work space, filling inventory, and hiring employees, but they may overlook the price of office equipment, marketing and advertising, and the legal fees involved in setting up a Limited Liability Company or Partnership.

An accountant can help you identify one-time expenses, like
incorporation fees, from ongoing expenses, like taxes, so you can determine how
much money you’ll need to run your business.

Further, an accountant knows that some expenses can be
deducted (written off) from a business’ taxable income; they can help you write
off certain expenses, lowering your taxable income and increasing the amount
you save on taxes each year.

Managing Loans and Investments

The money you use to start your business may come from your personal savings, investments from a wealthy individual, a bank loan, or any combination of sources.

With multiple streams of money, it may be difficult to keep
track of payment deadlines and how much you owe to whom. An accountant can help
you pick a loan that works best for you and help you create an effective
payment plan so that you can pay off that debt as quickly as possible. They can
also help you decide if it’s worth it to refinance or consolidate your loans,
or cut unnecessary spending so you don’t fall deeper into debt.

Do I Need an Accountant for My Business?

Effective money managing can be the deciding factor for a
startup’s success or failure.

In the end, whether you choose to do your own calculations
or ask an accountant will depend on your situation. You may feel confident in
your own ability to manage your finances, or you may prefer to spend your time
focused on other important tasks.

Just keep in mind that hiring an accountant can be
worthwhile when it comes to creating realistic financial projections,
estimating honest startup costs, and efficiently managing your loans and
investments.

The post How an Accountant Can Help You Plan Your Startup appeared first on LawDepot Blog.

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Scientists turn brain signals into speech, may help people who cannot talk

People robbed of the ability to talk due to a stroke or another medical condition may soon have real hope of regaining a voice thanks to technology that harnesses brain activity to produce synthesized speech, researchers said on Wednesday.


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Ninja Says There’s ‘Always Going to Be Trash Talk’ Online, But It’s Up to Parents to Help Police It

Tyler “Ninja” Blevins, who scored a legion of fans with Fortnite livestreams that have hooked millions, says trash-talking in the online gaming community needs to be monitored – but said it’s up to parents to help police it, too.

“There’s always that friendly banter. Sometimes it gets a little rough,” Ninja, one of the 2019 TIME 100 honorees, said at the TIME 100 Gala Tuesday. “But I think that in general just the Internet as a whole is a place where people can say whatever they want with anonymity. It always needs to be monitored and people need to always be careful.”

But, he added: “I challenge parents to make sure that they’re reading their children’s tweets and their comments on Instagram posts and monitoring them. You know, be good parents.”

Thanks to the blue-haired pro gamer’s mastery of the insanely popular game, he’s extended his staggering reach into an offline empire. Blevins came to the TIME 100 Gala on Tuesday night in New York City to celebrate with the latest crop of luminaries

He said that becoming a professional gamer is incredibly difficult, but it’s achievable with hard work and dedication.

“I think you put your whole heart into what you want. And if you have the time — which everyone has the time — you can play 8 hours a day and still have 8 hours left in your day to go to school, do well, go to work. And even with a full-time job, you can still put in 8 hours,” he said.

Pittsburgh Steelers wide receiver JuJu Smith-Schuster took part in Ninja’s iconic record-smashing stream last year that drew Drake and Travis Scott, drawing more than 600,000 viewers so it was only fitting that Smith-Schuster wrote Ninja’s TIME 100 profile.

“I was among the millions of people all across the world who had been watching Ninja play ‘Fortnite,’ the popular video game, every day for months,” he wrote in TIME. “He was the unquestioned best in the world at his craft, something I had so much respect for both as an athlete and as a fan. Now, he was single-handedly blending gaming and pop culture.”

Sports – TIME

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Save over 80% on this training bundle that can help you break into DevOps

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Consider for a second that Westeros in Game of Thrones is a software company. Sansa would be the Operations department, and Daenerys would be in charge of Development. Meanwhile, Jon Snow is the DevOps Engineer whose primary role is to diffuse the palpable tension between the two so that Winterfell and the rest of Westeros can finally know peace.

See, as the head of development, Daenerys’ goal is to introduce new features and continuously improve the product. On the other hand, Sansa’s operations team is more concerned about the stability of the product. They’re aware that any big changes could potentially topple the system, so they try to defer them as much as they can. Read more…

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Viewpoints: Lessons On Compulsory Vaccinations And New York’s Ultra-Orthodox Jewish Community; Social Media Isn’t Doing Enough To Help Spread Truth About Measles

Opinion writers weigh in on the current measles outbreaks and the importance of vaccines.
Kaiser Health News

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A new world was found in our solar system, and you can help name it

name a planet

Being allowed to officially name a planetary body is a privilege that few are ever granted. Typically, new planets, moons, and other large objects found in space are named by the person or group that discovered them, but many of them are never formally named at all, sitting with their scientifically-designated label for years.

The minor planet 2007 OR10 is one such world and, although it was originally discovered in July 2007, it never received an official name. Now its discoverers want suggestions on what its name should be, and you can help.

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  1. A new world was found in our solar system, and you can help name it

A new world was found in our solar system, and you can help name it originally appeared on BGR.com on Sat, 13 Apr 2019 at 09:01:39 EDT. Please see our terms for use of feeds.


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Do You Have A High School Student? Here’s A Program That Can Help Change Their Life.

Disney Dreamers

Source: Disney Dreamers Academy / Courtesy of Disney

When invited to cover the Disney Dreamers Academy hosted by Steve Harvey and Essence Magazine, I honestly wasn’t sure what to expect. I haven’t been to Disney since I was in high school and I didn’t think I would get caught up in all the “magic.” Boy, was I wrong. The weekend ended up being inspiring, enthralling, and yes, magical.

First off: Disney holds nothing back in helping the high performing kids in attendance dream even bigger. The program is hosted over a weekend, with kids arriving on Friday and leaving on Sunday. The weekend is jam-packed with events, but the best part is that their all in the interest and the betterment of children. Each year, Disney and Essence chooses 100 kids to come for the inspiring weekend. The kids are allowed to bring one parent or chaperone for the event (yes, all of their amenities are covered as well).

Upon arrival, I dropped my things off and immediately rushed to a luncheon followed by a press conference where Tracey Powell, Vice President, Walt Disney Parks and Resorts and DDA Executive Champion gave opening remarks along with Michelle Ebanks, CEO of Essence Communications who explained what would occur over the weekend. Disney Dreamer Alumni also spoke to get current Dreamers excited for the weekend.

Disney is all about the magic and even if you think you’re not going to feel it, they will make sure you do! There is a daily parade at the Magic Kingdom and Disney organized to let the Dreamers’ lead it. Very cool and exciting for the kids. Afterward, the kids have an option to go to a Deep Dive. Deep Dives happen throughout the weekend with the kids being able to explore area of interests and connect with experts and leaders in that field.

Disney Dreamers

Source: Disney Dreamers Academy / Courtesy of Disney

In addition to Deep Dives, the weekend also consists of a lot of motivational speaking. Princeton Parker, Mikki Taylor, Lisa Nichols, Yolanda Adams and more poured words of strength, encouragement and love into the students. I surveyed the room and you could just see the kids sitting straighter, off their phones, and minds turning. The greatest part is that a lot of these speakers are returning speakers. Mikki Taylor helped found the program and Lisa Nichols also spoke to the students last year.

Of course, kids don’t just want to hear from adults, so the Dreamers’ Academy also brought in Black-ish stars Marcus Scribner and Miles Brown to talk about how they deal with balancing their dreams, enjoying being kids throughout the fame, and more.

In an interview with Steve Harvey. We discussed how the program had evolved. He reflected on past years and how he had met so many parents that had “poured everything into their children and forgotten about their own dreams.” Harvey admitted to being a “big dreamer” and still dreaming at 62, so he found it important to also make sure that parents were still doing the same. There were organized “Parent Tracks” to allow parents time to reflect, learn, and grow. The whole event felt like a family reunion. There was a family dinner and on Sunday, the commencement felt more like a Sunday church service.

Disney Dreamers

Source: Disney Dreamers Academy / Courtesy of Disney

Yes, throughout the busy weekend there is still time to enjoy Disney and all the parks. It’s a lot of work and character building, but also an equal amount of magic and play. The event is diverse, with kids of all races and a range of high school ages in attendance. This is like a hyped up summer camp and after speaking to Dreamer Alumni, they still keep in touch with people from their cohort.

If your kid or a high schooler you know is looking for an opportunity to ensure their future is bright, encourage them to apply to Disney Dreamers Academy. I wasn’t even a part of the program and left incredibly inspired by the students!

 

MadameNoire

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This start-up wants to help teachers buy their own homes

America's teachers are under financial pressure with student loan debt and low salaries, but one start-up is attempting to help our educators generate wealth through homeownership. Alex Lofton, co-founder and head of growth at Landed, a company offering down payment support and financial coaching to educators in the market for a home, joins "Squawk Box" along with an investor in the project Alexis Ohanian to discuss how the business model works.
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Countries that help working class students get into university have happier citizens

A study has shown that ‘inclusive’ educational policies that help working class students access higher education, such as delaying streaming children according to their ability until they are older, lowering the cost of private education, and increasing the intake of universities so that more students can attend all act to reduce the ‘happiness gap’ between the rich and poor.
Child Development News — ScienceDaily

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This $22 LED tracing pad will help you draw (and trace) like a pro

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It takes time to put in the hours needed to master a craft. Not all of us can be Bob Ross — in fact, this video is proof.

If you’re just getting started on your journey to being an artist, all this can be discouraging. But the age-old adage holds true here: small steps lead to big things over the long term. Aspiring artists have to start somewhere, and this LED Adjustable Tracing Pad that’s on sale provides an easy way to do just that.

It’s a brilliant, no-brainer of a tool, really: A clear acrylic surface with a light shining behind it. You slip your reference image underneath, and affix your drawing paper on top. Flip on the light and select one of three brightness settings, and you can quickly get started tracing drawings at the illumination level of your choice. This makes it an easy way to block out distractions and get in the artistic zone. Read more…

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April Fools hoax stories could offer clues to help identify ‘fake news’

Academic experts in natural language processing who are interested in deception have compared the language used within written April Fools hoaxes and fake news stories. They have discovered that there are similarities in the written structure of humorous April Fools hoaxes — the spoof articles published by media outlets every April 1 — and malicious fake news stories.
Literacy News — ScienceDaily

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Why Telling the NCAA to Pay Players Is the Wrong Way to Help College Athletes

The annual March Madness heist is under way. Let’s take a peek behind the curtain: while the cameras show supremely gifted college athletes delivering drama and thrills on the court, the NCAA has licensed every television broadcast to hoard a bonanza for people who never touch the ball.

Well-meaning voices call for the NCAA to pay players, but this demand is misguided. No college should be required to pay athletes, and no pay structure needs to be planned. The central question is whether college athletes should have the bargaining rights that other Americans take for granted. On this point, the NCAA is deaf to persuasion. It will hang on to its windfall tenaciously.

The NCAA system is not a creation of law. It’s a private compact of colleges and their athletic conferences, designed to impose a compensation ceiling on athletes by fiat and to demonize anyone who pays or receives a nickel above essentially the cost of college attendance.

Basic reform is simple: just recognize the right of each athlete to bargain for the value of his or her work. This is not a radical notion. Roughly 14 million of 20 million U.S. undergraduates have jobs outside the classroom, and no one thinks to regulate or confiscate those earnings. Only the players in commercialized college sports are victimized as cash cows, to the tune of several billion dollars per year.

A fair, free-market college sports industry would evolve on its own once athletes have their rights restored. Some revenue would be diverted to those players as the essential core talent, which is only fair. What’s amazing is how long we’ve allowed them to be robbed.

Such a system would favor the same 60 to 100 schools that are dominant already. The major conferences may adopt differing, nonmonopoly standards for their athletic budgets, but the vast majority of athletes would not be affected. A volleyball player at a small college could seek compensation like anyone else, but negligible revenue would make such a request moot. Most college sports could remain amateur in the only true sense of the word, being pursued for love of the game and voluntarily divorced from commerce.

But while the solution may be simple, it won’t be easy. The NCAA constitution blocks athletes from membership while professing devotion to their welfare, and NCAA officials resist the danger of granting college athletes even “limited” rights. Under pressure, they have stuck to the claim of exclusive authority. Small benefits called reform, such as a “full scholarship package” — which includes free tuition and a stipend — shrewdly fall short of rights or independent representation for the athletes.

External forces will be needed to compel significant change, and there is precedent on several fronts. In 1978, spurred by Cold War competition over Olympic medals, Congress passed the Amateur Sports Act to empower active athletes by requiring they have at least 20% representation on each governing committee for U.S. Olympic teams. This small but revolutionary step soon dissolved draconian “amateur” rules that had enriched the AAU, then the NCAA’s biggest rival. Defying hysterical predictions, the compensation since negotiated by Olympic athletes has hardly destroyed worldwide audiences for the Games. A similar law requiring representation for college athletes could be effective, and deserves consideration, but Congress has shown no interest in bucking the college sports establishment.

The courts are another venue for justice. Several times they have struck down the NCAA system as an illegal restraint of trade. Until 1984, the NCAA asserted a sole power to license each college football broadcast. That power vanished overnight when the Supreme Court upheld a demand from the major football colleges, led by Georgia and Oklahoma, to schedule their own unlimited broadcasts. In the late 1990s, when an NCAA rule restricted certain new assistant coaches to a $ 16,000 annual salary, some 2,000 assistants banded to file an antitrust grievance that won them the freedom to bargain, plus a $ 54.5 million settlement. NCAA colleges promptly found ways to pay assistant coaches many times the old limit.

Judges have acknowledged the same legal reasoning in recent cases brought by current and former college athletes. U.S. District Judge Claudia Wilken recently ruled the NCAA compact a violation of antitrust law because it captures “extraordinary revenues” for member schools by confining players to compensation “not commensurate with the value that they create.” This is a restrained understatement, and courts have not yet granted athletes anything like the direct relief awarded to big football schools and the assistant coaches.

So far, the judiciary seems unwilling to confront the NCAA’s self-serving bromide that economic rights for college athletes would diminish their educational experience. In truth, compensation would give players an incentive to stay in school — and standing to bargain for better academic life. Beyond that, it remains up to the colleges whether they treat prime athletes as legitimate students.

Universities should be a forum for clarity about whether commercialized sports can coexist with academic integrity, but such debate rarely takes place at the institutions born for fearless thought. My alma mater, the University of North Carolina, temporarily canceled a pioneering course on NCAA history as too controversial. Sadly, most professors never examine the conflicted juggernaut right there on campus.

The burden of change may thus fall on athletes. Some have already begun raising their voices. A recent strike by the football team saw the University of Missouri’s president resign quickly, and the University of Maryland dismissed its football coach after players spoke out against him following a teammate’s death in practice. Even symbolic gestures in defiance of NCAA rules, such as wearing an armband or a small patch discreetly labeled something like “RFA” (Rights for Athletes), or selling autographs for charity at a public ceremony, could provoke spasms of attention that sports broadcasts zealously avoid. Truly concerted action could topple the NCAA.

I am cheering for UNC in March Madness as always, and I don’t expect to hear a word about equity for the players. Armchair experts and well-paid commentators will continue to obsess about bracketology, upsets, momentum and a key player’s sore ankle. This is natural, because sports are a designated world where fans escape to cheer and boo as they please. Intrusions from real life can break the spell, provoking resentful cries for pampered athletes to shut up and play.

Sports-think gives fans a presumptive stake to say how college sports should be run, oblivious that the whole NCAA production rests on players who have no voice at all. Athletes become urgently important for moments on the screen, but we force their fundamental rights to fit our entertainment and convenience. Surely this perspective is backward. College athletes are young adults who love a sport they have played all their lives. Some don’t realize how badly they have been used until they are leaving school, which helps perpetuate the exploitation.

Sparks of courage are needed. Fans, being also citizens, should engage the larger arena of fairness. Nonfans should stop wishing for commercial sports to vanish, as though Plato might rescue the academy, and address sports corruption and dishonesty at the heart of our vital universities. My hope for March Madness, now and in the future, is some small sign of agitation over basic rights. Regardless, I’ll chant, “Go Heels!” for Carolina and keep pushing for those armbands.

Sports – TIME

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Silicon Valley techies are turning to a cheap diabetes drug to help them live longer

Doctors feel that taking metformin is mostly safe, but cautioned about the lack of clinical studies.
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Dax Shepard On Celebrating 14 Years Of Sobriety With A Little Help From Wife Kristen Bell | PeopleTV

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Alibaba’s Adhesive Buttons Help the Visually Impaired Interact With Smartphones

A design team led by DAMO Academy, the $ 15 billion research initiative formed by China’s premier e-commerce site, Alibaba, is working to make smartphones more accessible to the blind and visually impaired.

There are more than 1.4 billion smartphones in China, more than anywhere else in the world. China also has the highest population of visually impaired people, according to the latest data available from the World Health Organization.

“For people like us [the visually unimpaired], we have so many technologies, tools, and apps that make us better, happier,” said Chen Zhao, the research lead for the DAMO Academy’s natural human computer interaction lab, speaking at Fortune’s Brainstorm Design conference in Singapore earlier this month. “We’re spoiled by technology, but there are so many people that are left out.”

Zhao’s lab designs systems for interacting with technology using the five basic human senses: touch, sight, hearing, even taste and smell. At the Fortune conference, Zhao demonstrated the haptic solution her team has created to help visually impaired people interact with smartphone apps.

The solution is a combination of software, called Smart Touch, and hardware, called Braille Buttons. The six buttons adhere to the lower flanks of a phone’s screen, with three buttons aligned vertically on each side.

The buttons on the left always provide the same function: global navigation for the device. The top button prompts the software to read-out the screen’s current visual output; the middle button tells the voice to stop. The buttons on the right side, meanwhile, are dynamic, offering different functionality depending upon the app in use.

Zhao demonstrated the auto-read function to the audience at Brainstorm Design. At the touch of a button, a robotic Chinese voice emerged from Zhao’s phone, speaking almost too quickly to follow. “When I first heard that voice, I thought it was a mistake and told the team to fix it,” Zhao said, noting the speed. “But the real voice is three times faster than this.”

Why so speedy? Zhao said her research team found that many people with visual impairments process speech much faster than people with no sight difficulties. As a designer, that discovery reminded Zhao how important it is to work with clients to develop a solution together–rather than parachuting in and expecting to have the answer.

For more coverage of Fortune’s Brainstorm Design conference, click here.

Fortune

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Help, Whitney Wants to Wear a Pair of Literal Children’s Shoes

French brand Veja has long been making the holy grails of ethically-sourced, cool-looking footwear. (Just ask Megan Markle.) In a sustainable fashion marketplace littered with boho sandals and other festival-appropriate garb, Veja’s sneakers speak to a different aesthetic — one more likely to be …

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Fashionista

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‘Draft Beto’ grassroots group in California got early start that could help 2020 candidate

Even before former Rep. Beto O'Rourke announced his formal 2020 presidential run Thursday, he enjoyed political support in California, where a draft movement has included supporters throughout the state.
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Pioneering artist rediscovered with help from granddaughter she never met

Virginia Bayer never met her grandmother, Marguerita Mergentime, but she knew she was some kind of artist. Growing up on the Upper West Side, Bayer ate off boldly patterned place mats her grandmother designed, and heard that she’d even contributed to Radio City Music Hall’s decor. But it wasn’t until Bayer’s mother died, about 11…
Living | New York Post

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Diets Can Do More Than Help You Lose Weight – They Could Also Save The Planet

Fad diets have long been brushed off as selfishsuperficial quests to lose weight.

But if you study the actual content of popular diet books, you will discover that most tell a different story. Many inspire dieters to improve the health of their bodies, society and the planet.

It’s a topic I explore in my research, as well as my 2018 book, “Diet and the Disease of Civilization.” More than than merely guides for getting thin, diet books tell rich stories that urge people to change their lives to save the world.

Grand ambitions

Diets inspire change not because one is more effective than another, but because they tell stories worth believing in.

Peel away the nutrition advice and you’ll find that, while most popular diets ennoble seemingly selfish goals, they also insist that individual health is inextricably linked to the larger environment.

A quick review of diet books reveals their grand aspirations. Think of the Paleo diet. Hundreds of Paleo diets describe peaceful prehistoric communities rich with singing, dancing and storytelling. Today, leaders promise that “eating Paleo can save the world.”

Promoters of detox diets make similar claims. Detoxers believe that environmental pollution and toxins cause stress, obesity and other modern ills.

detox book from 1984 argued that humans cannot “dissociate our fate from the fate of the earth” and insisted that “what we have learned about freeing our bodies from harmful substances must also apply to cleaning up the world.”

Today’s diets go a step further, intimating that if you’re not “eating clean” you could be eating “dirty” foods full of pesticides, toxins and carcinogens. One diet book explains that clean foods are “not only good for one’s health, but equally important for the environment.” “The Kind Diet,” a popular vegan book written by actor and animal rights activist Alicia Silverstone and Victoria Pearson, is subtitled “A Simple Guide to Feeling Great, Losing Weight and Saving the Planet.”

Diet consequences

Arguably, today’s food world could use some saving.

The health consequences of how Americans eat have long been cataloged. For example, 2 in 3 Americans are overweight or obese, costing the U.S. economy an estimated US$ 190 billion a year.

But the environmental consequences of these food choices are just as stark. Agriculture is responsible for about one-tenth of greenhouse gas emissions. Farming consumes more than two-thirds of the planet’s fresh water.

And it’s specific dietary choices that are driving these environmental pressures. Animal products, for example, provide just 18 percent of the typical American’s calories yet take up 83 percent of all farmland. Just cutting down on beef would be more effective at reducing your carbon footprint than giving up your car.

The government’s role

This is where the government could learn from popular diet plans and promote sustainable diets for public health and the environment.

In its dietary guidelines, the U.S. Department of Agriculture encourages Americans consume a healthy diet that focuses on foods high in nutrients and low in sugars and saturated fats. But despite the recommendation of an advisory committee, it does not include language about food system sustainability or how such diets have a well-established link to human health.

The government is also discouraging other steps toward an environmentally friendly diet. Consider the new technologies of culturing meat from living animal cells – a technology that could cut out 14.5 percent of Americans’ anthropogenic greenhouse gas emissions. At the same time, the government is bending to industry concerns and enforcing needlessly strict definitions of meat, preventing soy- and lab-based products using the label.

History shows that today’s Department of Agriculture is missing a valuable opportunity. During World War I, the American government used diets to do more than improve individuals’ health. As the head of the Food Administration, Herbert Hoover urged Americans to stop wasting food so the U.S. could use it to prevent starvation in Europe. His efforts are now credited with saving the lives of about 7 million Belgians and 2 million French people.

Popular diets also picked up the humanitarian cause. One 1918 diet included a program dubbed “Watch Your Weight Anti-Kaiser.”

Today’s food authorities could do the same: urge Americans to eat better because the food system is actually a web. Our food choices have a profound impact on our health and the planet.

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Say What Now? Developer Creates MAGA App to Help Trump Supporters Find Safe Spaces Where Liberals Won’t Make Fun of Them

If you’re looking to harass a Trump supporter, look no further than a newly-created app 63rd Safe.

Technically, the app was designed to help the pro-MAGA find ‘safe’ spaces in public where they can go without the fear of being ridiculed by liberals — but you could most definitely use it for the opposite.

via Raw Story:

As the Daily Beast reported over the weekend, the new mobile app 63red Safe was designed to help Trump supporters find “MAGA-friendly restaurants” whose owners will not let antifa activists harass them for wearing pro-Trump clothing.

“63red Safe works like a conservative Yelp,” the publication reported. “Instead of reviewing the lighting and ambience, though, the site’s users rate restaurants and other businesses on a series of four questions, including whether the restaurant’s owners make political social-media posts and whether they allow customers to carry weapons.”

Appearing on Fox News, app creator Scott Wallace explained what could get a restaurant or other business branded as “unsafe” for fans of President Donald Trump.

“Users can review the restaurants and businesses, it’s just four quick questions, yes-or-no questions,” he said. “No. 1, does this location serve all customers regardless of political beliefs? Will they protect their customers if they’re under attack by others in the restaurant? There’s the open carry question, and does the location have a political presence in their social media?”

What a joke.

The post Say What Now? Developer Creates MAGA App to Help Trump Supporters Find Safe Spaces Where Liberals Won’t Make Fun of Them appeared first on lovebscott – celebrity news.

lovebscott – celebrity news

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10 Questions to Help You Decide Whether to Rent or Buy a House

Buying a house has long been the American Dream—a dream preceded by years of working saving, and renting. But if you make that transition from renter to buyer prematurely, you could end up having trouble making ends meet once you finally have that house. Even worse, you could face foreclosure. If you’re currently renting but considering making the leap to homeownership, the following questions will help you determine whether you’re ready to buy a house. If you answer “no” to any of the following questions, renting may be your best bet—at least for a little while longer.
Bob Vila : Trusted Home Renovation & Repair Expert

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Singing for science: How the arts can help students who struggle most

Incorporating the arts — rapping, dancing, drawing — into science lessons can help low-achieving students retain more knowledge and possibly help students of all ability levels be more creative in their learning, finds a new study.
K-12 Education News — ScienceDaily

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Ben Stiller and Bill Hader Help Spoof the Michael Cohen Hearing on Saturday Night Live

Ben Stiller and Bill Hader returned to Saturday Night Live this weekend to make fun of Michael Cohen’s Feb. 27 sworn testimony before Congress about President Donald Trump’s conduct.

Actor and comedian Stiller reprised the part of Cohen, the President’s former personal lawyer who is slated to be sent to prison for lying to the Senate Intelligence Committee.

“Thank you for inviting me here today to correct the record under oath. Of course, the first time I testified was also under oath,” said Stiller-as-Cohen. “This time, I like really mean it.”

Stiller went on to take questions from SNL cast members playing various members of Congress.

Among these was former-cast member Hader as Rep. Jim Jordan, the ranking GOP member on the House Oversight Committee.

“Mr. Chairman, you’re right that I’m angry,” Hader said. “I’m angry that I have to sit here through this two-bit dirtbag flea circus! I’m so angry that I couldn’t even wear a jacket today!”

Kenan Thompson, playing House Oversight Committee Chairman Elijah Cummings, offered Cohen one last chance to speak.

“Yes, your honor,” Stiller said. “Maybe I’m not a good person. Maybe I’m a liar. Maybe I’m a fool. Maybe I’ve ruined hundreds of people’s lives.”

“I’m sorry, is there a ‘but’ coming?” Thompson interjected.

“No there isn’t, thank you,” Stiller said.


Entertainment – TIME

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Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family

Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family


Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family

Author Michael Arceneaux discusses Jordyn Woods appearance on Red Table Talk  following the Tristan Thompson cheating allegations, and exactly how Woods beat the Kardashians at their own game.

Jordyn Woods was savvy as hell to enlist the help of Jada Pinkett Smith, essentially her play auntie, to deal with the controversy around her alleged some-sort-of-romantic-relationship with Tristan Thompson, the basketball player more known for cheating on Khloe Kardashian even after impregnating her. Whenever someone falls out of good graces with the Kardashians, select media outlets curiously start reporting all sorts of bad information about that person. Next, their lil’ friends who desperately cling to the celebrity-adjacent status they’ve netted from their Kardashian affiliation proceed to publicly pounce on that person. The end result is that ex-friend becoming something of a pariah.

See the fate of select former employees, Blac Chyna, and the artist formerly known as Kris Humphries, among others. The same thing was beginning to happen to Jordyn Woods. She not only had to move out of her BFF Kylie Jenner’s home, but she was officially on “Don’t bring her ass over to my house” status with the entire family. And naturally, the stories started pouring out of E! and Page Six, followed by keyboard thugging from the oh-so-happy-to-be-here friends of the Kardashians—roles now filled by Malika Haqq and Larsa Pippen. Why are those women in their 30s and 40s arguing with a barely twenty-something?

In any event, that sort of plan could work on Tokyo Toni’s daughter. But as they’re surely learning now, it won’t work on someone considered an extended family member of the Smith family.

Woods appeared on Jada’s Facebook series, Red Table Talk, on March 1st to share her side of the story. And if Woods wasn’t already very much aware of how the Kardashian family plays it, Will Smith certainly was. Will knows Woods through her late father who worked as a sound engineer on The Fresh Prince of Bel-Air, and he has only made one previous appearance on Red Table Talk. Knowing that he isn’t a regular guest, I laughed like hell when he FaceTimed into the show and dispelled the following advice to Woods:

“Take your medicine and tell your truth,” Will said. “This is a part of what growing up is…this world is not gonna break you. We won’t allow it.”

That is a very slick, Hollywood professional way of saying, “I’m not about to let that family play you.”

Smith did say something curious, though. When he said, “I watched you become a woman and I saw that one day we’d be here,” I interpreted that as, “I warned you about them.” After Will finished, it got even better because Jada did not let her off the hook.

“There’s a family that feels betrayed by you,” Jada explained. She made Jordyn recount exactly what happened and acknowledge how it impacted peoples’ lives, and then pushed her to offer real contrition. I am so into Jada Pinkett Smith interview style, which is a mixture of concerned auntie and 1980s Barbara Walters or Oprah Winfrey.

And while some complained about it online, Jada was right to note that, as a Black woman, Jordyn Woods will experience far more harassment online no matter what. Not only is that unfair, it is hypocritical. Jordyn Woods was wrong, but it’s not like select Kardashian sisters haven’t been accused of similar behavior in their romantic lives.

Jordyn still might have been acting like the villain of many an R&B ballad, but her Red Table Talk chat was the best confessional performance I’ve seen since me right before a mass in 1998. Still, Khloé Kardashian remains unimpressed.

Khloé, I understand that you’re hurting and you have every right to be, but uh, have you met you? You’re celebrating Tristan for addressing the situation privately when your family has sold its privacy for a decades-long reality show? Keeping Up With The Kardashians is probably already rushing an episode tied around this drama, but you know, sure, okay.

With all due respect, Tristan Thompson has been a thot so no one can break up a home where a man already has his penis out the door the majority of the time. Khloé’s mission to malign Jordyn backfired, and I won’t link to any of the tweets mocking Khloé for her statement, but ouch. She is getting dragged up and down Cardi B’s internet, bless her heart. I hope Kris Jenner takes Khloé’s phone away, and I hope that family leaves Jordyn Woods alone.

I don’t condone what Woods did, but as she explains it, her behavior wasn’t actually as bad as first reported. She deserved to have her say and protect her image from being permanently tainted. Not only did she get to have her say with an A-list family who commands attention, she did so on a platform with s a much wider reach than the reality show that launched the Kardashians into fame. Jordyn Woods’ episode of Red Table Talk netted more than 6 million views in three hours.

In pursuit of overcoming her thot tale, she beat them at their own game with slicked back hair, subtle makeup, and some A-list friends. My hero.

Michael Arceneaux is the New York Times bestselling author of the recently released book I Can’t Date Jesus from Atria Books/Simon & Schuster. His work has appeared in the New York TimesWashington PostRolling StoneEssenceThe GuardianMic, and more. Follow him on Twitter.

The post Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family appeared first on HelloGiggles.

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New Bill Could Help Black Banks Raise Capital, Cut Costs, and Attract Black Investors

A new bill could help black banks raise more capital and boost small business lending in the African American community.

U.S. Representative Bobby Rush, D-Illinois, has introduced the Rescue Act for Black and Community Banks. The bill–initiated in January 2019–aims to, along with other measures, bring regulatory relief for black banks from Congress, boost wealth-building for black consumers and businesses, and help save black banks from failing.

The number of black banks in America totaled 22 in 2017, Federal Deposit Insurance Corp. data shows. That number is down an eye-popping 42 percent from 38 in 2012. The most recent number reveals there were only 23 black banks as of the third quarter of 2018.

Ryan Johnson, communications director for Congressman Rush, and William Michael Cunningham, an economist and banking expert who worked with Rush’s office on the bill, shared with BLACK ENTERPRISE some key points of what the legislation would do.

black banks

Rep. Bobby Rush

Johnson says Rush believes black-owned community banks play a vital role in communities because they reinvest in the people that live, work, and worship with one another.

“These financial institutions stimulate economic development and spur innovation amongst our entrepreneurs, augmenting the economic wealth African-Americans so desperately need. For black, minority, and rural communities to thrive, a new focus must be placed on the financial institutions serving them,” Johnson said.

The communications expert added that the bill establishes within the Treasury Department’s Office of the Comptroller of the Currency, an office to be known as the “Office of Black and Community Banks.” It authorizes the comptroller to provide them with the regulatory flexibility to encourage affordable small dollar lending.

He says the bill further establishes the “Minority Bank Deposit Program” to expand the use of minority banks, women’s banks, and low-income credit unions and requires federal agencies to develop plans to use these institutions, to the extent possible, for their banking needs.

The bill also could help African American banks boost black entrepreneurship where they operate and become stronger financial services providers.

“The push to solve the economic crisis in the black community will require fighting on several fronts: education, health, fighting discrimination, and the creation of wealth building opportunities,”  Johnson said. “The goal of this bill is not to make black banks compete with other banks, but to increase access to capital and credit for the black community. By doing that, this legislation will significantly increase entrepreneurial activity in the black community by supporting the development of many community financed small black businesses.”

Interestingly, Cunningham maintains the bill is an extension of the Black Lives Matter and Bank Black Movements. He said the bill seeks to partially or completely exempt black banks and community banks from a majority of federal banking regulations, helping level the playing field with larger white-owned banks. He noted regulatory relief for black banks would be done to the extent the comptroller determines appropriate without endangering the safety and soundness of the overall banking system.

Plus, he said the legislation requires a study on the use of New Markets Tax Credits (NMTC) by black and community banks. The program could potentially bring new investment into black banks through tax credits. Cunningham said it would allow individual and corporate investors to receive a credit that reduces federal income tax owed. Investors make debt and equity investments in specialized financial intermediaries, including some black banks, called Community Development Financial Institutions (CDFIs) and Community Development Entities (CDEs).

According to Cunningham, for every $ 1 million invested, an investor gets a tax credit of 39 % or $ 390,000 over 7 years, in addition to keeping any returns generated by the original investment.

The tax credits, which are scarce and limited in amount, are distributed by the U.S. Treasury. He added black banks, CDFIs and CDEs have not been able to get these tax credits from Treasury, claiming they have gone instead mainly to white nonprofits and firms like Goldman Sachs.

Simultaneously, Cunningham says the bill could make black banks much more profitable by reducing compliance and operating costs as well as removing unneeded regulations.

He estimates that each black bank could increase in market value by 25% if the bill passes in its current form.

The post New Bill Could Help Black Banks Raise Capital, Cut Costs, and Attract Black Investors appeared first on Black Enterprise.

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The best diaries and planners to help you organise your life

Whether you want page space or head space

best diaries

The best diaries are the ones that organise your life for you, right? Whether you want one that leaves enough space for you to note down your meetings and what you’re supposed to have prepared, or something for intention setting that’s also stuffed with inspirational quotes, there are so many out there for you to choose from.

These days, diaries and planners are more than your average pocket book with tiny lines. There are the best diaries for yogis, there are planners for foodies, and there are even doubled-up diaries for those with really hectic lives.

If you’re the kind of person who settles for a regular notebook, graffitied with doodles and half-written messages that you’ll never remember to read, then it’s time to shake things up.

Yes, you’re meant to buy diaries at the start of the year, but we’ve all been busy breaking our New Year’s resolutions. Sure, you’ve missed out on a month of writing out your plans, but it’s time to finally get your shit together.

So where can you find the best diaries?

Best diaries

kikki.K

best diaries

A5 Bonded Leather Daily Diary Dusk Blue, now £13.50

Who can resist the cute pages of a kikki.K? This diary has daily and monthly layouts so that you can keep all aspects of your life organised, from remembering brunch plans to keeping track of work deadlines.

Noble Macmillan London

best diaries

2019 Mezzo Diary Lemon, £59

The soft bound Mezzo diary includes a ‘to-do’ list on every right page, so no more cramming your life into a tiny daily box. The cover can also be monogrammed with your name or initials in the gift giver’s handwriting. Fancy.

Dailygreatness

best diaries

Yoga Yearly, £39.95

Whether you’re a beginner or a fully-fledged yogi, this day-to-a-view diary will help you to develop your own daily routine, and offers space for ‘gratitude, inspired action, self-inquiry and inspiration’. It also encourages mindful living,

Papier

best diaries

Flamingos, £21.99

If you want a diary on your own terms, this blank option is perfect. There are no fixed dates, so you can start it whenever you like, and it includes weekly and monthly views as well as pages for extra notes, goals and ‘to-do’s.

Busy B

best diaries

Busy Life Diary, £10.99

Hectic lives call for double diaries, and thankfully these exist. If your diaries are usually awash with scribbles because there isn’t enough room for everything, this is the solution. A diary with two copies of each week and month so that you can keep your work and social lives separate, but in the same place.

Zelo Journal

best diaries

Zelo Journal, £31.99

With a promise to help you ‘clear you mind and achieve your goals’, it offers a new spin on traditional diaries. Not satisfied with offering space purely for day-to-day planning, this diary has been created to help you list your goals, improve productivity and focus on the things you’re passionate about.

The post The best diaries and planners to help you organise your life appeared first on Marie Claire.

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Fashion House Prada Brings in Ava DuVernay to Help with PR Damage Control

After facing recent backlash over selling monkey-faced keychains that many saw as a emulating historically racist blackface, Prada is attempting to do public relations damage control by aligning itself with one of Hollywood’s most powerful black women, Ava Duvernay.

In a press release, Prada Group announced that DuVernay “will co-chair the Prada Diversity and Inclusion Advisory Council (“the Council”) to elevate voices of color within the company and the fashion industry at-large.”

The company also announced that artist and activist, Theaster Gates, will also serves on the council.

“Prada is committed to cultivating, recruiting, and retaining diverse talent to contribute to all departments of the company,” said Miuccia Prada, CEO and lead creative director at Prada in the press release.

“In addition to amplifying voices of color within the industry, we will help ensure that the fashion world is reflective of the world in which we live, and we are thrilled to be working with long-time collaborators, Ava DuVernay and Theaster Gates, on this important initiative. We look forward to working with the Diversity and Inclusion Advisory Council to help us grow not only as a company but also as individuals.”

Prada is one of the fashion brands that have come under fire for what critics say are racially-insensitive and sometimes outright racist imagery associated with their fashion collections. Fashion house Gucci ignited a firestorm recently by selling a black balaclava sweater that many say bears the racist emblem of the black Sambo caricature.

And Burberry recently apologized after a model walked the runway wearing a hoodie featuring a noose during its London Fashion Week show.

“My work amplifies the voices that have been absent from broad cultural conversations, and I am happy to partner with Prada to advise on processes that will make the company and industry more reflective of the world today,” said Theaster Gates via the press release.

 

 

The post Fashion House Prada Brings in Ava DuVernay to Help with PR Damage Control appeared first on Black Enterprise.

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Kaiser Permanente to Help Colorado Schools Build Resilience After Traumatic Events

DENVER — Every day, teachers interact with children who experience traumatic life events ranging from abuse and neglect to a natural disaster or the death of someone close. The effects of others’ trauma can negatively impact work and home life. To help improve the well-being of Colorado teachers, Kaiser Permanente is launching a locally-developed mental health and wellness program — the Resilience in School Environments Understanding and Practice (RISE UP) — in schools across the state.

RISE UP is a complementary learning session for school staff, administrators, and teachers, designed to foster resilience and support school staff as they work with traumatized students. The program helps school staff members develop systems to take care of themselves and support their own wellness.

“Kaiser Permanente has long recognized the need to care for the mental and physical health of students, staff, and teachers in the communities we serve,” said Curtis Robbins, Kaiser Permanente lead for community health, and RISE UP program architect. “Through RISE UP, we’re providing staff and teachers with the resources they need to foster a positive school climate that embraces trauma-sensitive interactions to make for better and safer learning environments for all students.”

RISE UP is a 2-hour session facilitated by Kaiser Permanente that uses theatre and interactive learning to engage participants in discovery and practical application. It is designed to provide a safe place to practice, question, discover, and learn through discussion, peer interaction, and self-reflection.

RISE UP participants are encouraged to reflect on the importance of building stronger relationships with all students — particularly those who’ve experienced trauma — while learning resiliency and other skills that can be used in student interactions. Staff and teachers are asked to draw on real-life situations to adapt their resiliency techniques to better meet the needs of their students.

“By using these real-life examples, we hope to help teachers and staff see what they did right and where they can improve not just for the sake of their students, but for themselves and their colleagues, too,” said Robbins.

The program, which is blossoming out of an initial pilot phase from 2018, has seen impressive results with educators and administrators. A survey was given to teachers and school staff at the 4 participating school districts during the pilot phase. Highlights from the survey include:

  • 84 percent of participants reported that they learned how to develop stronger relationship with students
  • 84 percent of participants reported feeling confident in their ability to develop stronger relationships with students who have experienced trauma
  • 78 percent of participants indicated they felt more connected to their colleagues after the session

The positive impact RISE UP is having in local Colorado schools is one reason Kaiser Permanente is expanding the program nationally throughout 2019. Kaiser Permanente RISE UP workshops will also be offered in Washington, Oregon, Hawaii, Georgia, Northern California, Virginia, Maryland, and Washington, D.C. RISE UP is part of Kaiser Permanente’s national Thriving Schools work, which promotes the health of young people by helping them establish lifelong patterns of healthy behavior.

The following Colorado schools will participate in the RISE UP project in the early 2019 school year:

  • Prospect Ridge Academy, Broomfield, Colorado
  • Upper Blue Elementary/Breckenridge Elementary, Breckenridge, Colorado
  • Silverthorne Elementary, Silverthorne, Colorado

 

###

About Kaiser Permanente Colorado

Kaiser Permanente Colorado is the state’s largest nonprofit health plan, working to improve the lives and health of all Coloradans for 49 years. We are comprised of the Kaiser Foundation Health Plan of Colorado and the Colorado Permanente Medical Group — one of the state’s largest medical groups with more than 1,200 physicians. We provide comprehensive care for our 650,000 Kaiser Permanente Colorado members through 31 medical offices across the state — from Pueblo to Greeley and in Summit and Eagle counties. We are also committed to our social mission and in 2017, proudly directed more than $ 122 million to community benefit programs to improve the health of all Coloradans. For more Kaiser Permanente news, visit kp.org/share or follow us @kpcolorado or like us facebook.com/kpcolorado.

 

 

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Scouted: QuickBooks Is Essential for Any Small Business Owner, and This $19 Master Class Can Help Get the Most Out of It

Quickbooks has quickly become one of the most popular programs to keep small businesses’ expenses and budgets in check, but it can get pretty overwhelming pretty quickly. This 7-hour class can help you and your business find your footing during this tax season and for the rest of 2019.

Using Quickbook’s data, business owners can easily create reports, summaries, and analyses to keep track of customer data, vendor information, and employee progress. This class can help make all of that data more easily digestible and can even help you make sense of the financial reports and bank statements that are logged in Quickbook’s program. It’ll even help you unlock some of the newest powerful features in the 2019 version of the software.

You’ll be able to create and access important information easily, which will make the process of understanding your business’s profits, tracking loans, and staying ahead of the curve for tax season a piece of cake. Let this course untangle that web of spreadsheets for you.

Read more at The Daily Beast.

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Could Sutter Health's new symptom tracker diagnose my bout of food poisoning? I put it to the test.
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Richmond Governor Scandal May Help Bid To Rename Street For Arthur Ashe

RICHMOND, Va. (AP) — A movement to rename a Richmond, Virginia, thoroughfare for groundbreaking black tennis player Arthur Ashe Jr. is cresting just as the state finds itself in turmoil over a blackface scandal involving the governor and attorney general.

The man behind the street renaming says the confluence of the two unrelated developments involving race and history could become an opportunity to start a conversation about race at a pivotal time.

“If we can rename the Boulevard after him, it would be a huge cultural step forward. This is where we can start with reconciliation and we can start talking about the issues,” says Ashe’s nephew, David Harris Jr.

“It would be an opportunity for the City Council to be leaders on this. We know what’s going on down the street at the state Capitol. This would be a way for the City Council to say, ‘We want to show you the way.’”

Ashe’s once-segregated hometown boasts an athletic center named after him, and a bronze sculpture of Ashe sits among Richmond’s many Confederate statues. But a proposal to rename a historic street for Ashe has been defeated twice since his death in 1993.

A third proposal comes before the City Council for a vote Monday amid the blackface scandal .

Leaders throughout Virginia’s political structure have called on Gov. Ralph Northam to resign after a racist photo on his 1984 medical school yearbook page surfaced recently.

Northam apologized, initially saying he appeared in a photo showing one man in blackface and another wearing a Ku Klux Klan hood and robe. Northam did not say which costume he wore. The next day he said he no longer believed he was in the photo but acknowledged wearing blackface the same year to look like Michael Jackson in a dance contest.

Days after Northam’s admission, Attorney General Mark Herring was forced to acknowledge that he, too, wore blackface in the 1980s while trying to look like a rapper at a college party.

Meanwhile, for all of Richmond’s hometown pride in Ashe, repeated attempts to rename a city street after him have failed. Harris initially resurrected the idea of renaming the street after his uncle last year.

Called simply “Boulevard,” it’s a busy 2.4-mile (3.9-kilometer) stretch dotted with restaurants, museums and stately homes. Modeled after grand European boulevards in the late 19th century, Boulevard was designated as a state and national historic landmark in 1986.

At one end sits Byrd Park, with tennis courts where Ashe was denied access during his childhood because of segregation. The athletic center named for Ashe is also on Boulevard.

City Council member Kim Gray, whose district covers a portion of Boulevard, has sponsored the Ashe renaming ordinance.

Some residents and business owners say they don’t want to change the historic name. Others cite the inconvenience and expense of officially changing their address, including getting new letterhead and signs.

Harris and Gray say they understand those concerns but also believe racism may underlie some of the opposition.

“I find it hard to believe that people get that angry over stationery,” said Gray, who said she’s received racist emails over the proposal.

Longtime residents insist they have nothing but admiration for Ashe but believe there are better ways to honor him than legally changing the name of their street. A group called the Boulevard Coalition wants the Richmond History and Culture Commission to hold citywide community discussions about how to honor Ashe and then make a recommendation to the City Council.

The controversy comes at a time when Richmond, a one-time capital of the Confederacy, has been grappling with calls to remove Confederate statues. Richmond’s Monument Avenue features statues of five Confederate figures, including Gen. Thomas “Stonewall” Jackson. Ashe’s statue was erected among those rebel icons in 1996, but only after rancorous debate.

Harris said renaming Boulevard after Ashe would give Richmond a chance to shed its past image and show it has become a progressive city.

“We’ve celebrated things that have been associated with slavery for years. Well, let’s celebrate equality, inclusion and diversity, as opposed to the slave picture we’ve had in Civil War history,” Harris said.

Ashe was the first black player selected to the U.S. Davis Cup team and the only black man to ever win the singles title at the U.S. Open, Wimbledon and the Australian Open. He was also well-known for promoting education and civil rights, opposing apartheid in South Africa and raising awareness about AIDS, the disease that eventually killed him.

Richmond Mayor Levar Stoney urged the City Council last month to approve the change, calling Ashe “one of Richmond’s true champions.”

A 2004 city ordinance says street names indicated on city maps for 50 years or longer should only be changed under “exceptional circumstances.” Gray and Harris say they believe naming Boulevard after Ashe is one of those circumstances.

But City Council member Parker Agelesto, whose district covers part of the street, said his constituents favor an “honorary renaming” that keeps Boulevard as the street’s official name.

“Nobody wants this to be controversial, and Arthur Ashe is not a controversial figure,” Agelesto said. “The question is: How do you make it successful for all parties involved?”

PHOTO: AP


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4 Ways to Help Loved Ones Dealing with Financial Hardships

After experiencing the longest government shutdown in history, many federal workers and contractors who experienced financial hardships are still trying to recover.

The government shutdown tested people’s financial preparedness, and many unfortunately failed. Also, with another possible shutdown looming, many people are frightened that this will catapult them into homelessness.

Approximately 1 in 3 Americans do not have emergency savings to cover a $ 500 emergency, according to personal finance website Bankrate. This statistic became a heartbreaking reality when real life financial hardship stories recently surfaced due to the federal furlough.

Unexpected emergencies like medical bills, the death of a family member, job termination, or an unwarranted furlough, are common causes of most financial traumas. The reasons people do not set aside money for these unexpected emergencies range from unlivable wages, sluggish salary raises with rapid inflation, unfair wage gaps, or even poor financial habits.

When a loved one is dealing with a temporary financial hardships, there are ways to provide assistance or relief.

4 Ways to Help Loved Ones Dealing with Financial Hardships

 

Lend money

If you have the financial ability to lend money to a loved one and are confident you will be repaid, offer a short-term loan. Treat the loved one with compassion, but explain the offer is a loan and is expected to be paid back.

Write up and sign an agreement between you (lender) and the loved one (borrower) to clarify the financial transaction as a loan.

Debt.org shares that a loan agreement between loved ones should include:

  • The names of the parties involved
  • The date of the loan agreement
  • The amount borrowed (principal)
  • Interest rate (if applicable)
  • Repayment terms (monthly payments over a specific period or a lump sum on a certain date)

In the event of nonpayment, the loan agreement should also include:

  • Modification of loan terms
  • Taking ownership of collateral
  • Possible legal action

Hard feelings and arguments between relatives and friends occur when money is lent in good faith but not repaid. So, take the advice I give to my clients who consider lending a loved one cash …

“If you can’t afford to give the money, don’t lend it.”

 

Give money

Instead of lending the money, give the loved one the amount of cash you can afford as a gift.  By giving money as a gift you release the possible future tension in the event the loved one does not pay you back. Consider it as a few early birthday or Christmas gifts.

When giving money, do it privately, discreetly, and without pity. Many loved ones suffer in silence, financially, because they do not want their business shared.

Assure the loved one that you will not share the monetary gift to anyone. Respecting the loved one’s need for privacy is important, especially if they are a very private or prideful person.

 

Pay a bill directly

Consider paying a specific bill or expense directly if you prefer not to give a loved one cash, or they do not want to accept your loan or monetary gift.

Paying a utility, car payment or insurance, or even a rent or mortgage payment, will release a significant financial burden.

Some companies, like PECO, formally Philadelphia Electric Company, allow people to help out and pay a bill on behalf of their customers.

 

Provide a service

Perhaps you may be unable to give a loved one money.

An act of service will go a long way when it comes to helping a loved one experiencing financial hardship. Sometimes, taking time to do something for someone is more helpful than giving money.

Some amazing acts of service can include:

Care for the kids

Offer to babysit or care for their elderly family member who requires special attention. This will free up some time for the loved one to work another job, or get some much-needed rest.

Cook a few meals

You may be aware of a loved one who is struggling to feed their family. Cook and deliver meals for a few days to offset their grocery bill, and relieve the burden of cooking.

Chauffeur for a day

If a loved one does not have transportation, be their chauffeur for one or a few days. Driving them to appointments, run errands, or their job will be much appreciated.

Clean up the house

Clutter can sometimes cause just as much stress as the financial trauma. Offer to clean a loved one’s kitchen, bathroom, bedrooms, or the entire home to eliminate that responsibility from their list. Often a clean environment can calm our consciousness to better deal with difficult situations.

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Can beer help a mom breastfeed?

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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People Share Why They Don’t Use Financial Advisers; Some Alternative Ways to Get Financial Help

Many people just do not want to meet with a financial adviser despite the fact that using one may provide numerous financial advantages. Financial advisers provide objectivity of financial situations and give advice to help establish a more secure financial position.

A few personal finance professionals, authors, teachers and bloggers, from the Elevate Community, dedicated to uplifting people of color financially, shared their perspectives:

“Just Not Ready”

Just like weight loss, financial wellness is one of the top three new year resolutions and personal goals. Most people generally know what to do to improve their financial situation, but some are just not ready to do it.

“We like comfort!” says Andre Albritton of The Millennials Next Door. “A financial adviser will give recommendations outside of our comfort zone which can be a frightening experience.”

Money mantras like “save more and spend less” and “pay yourself first” have been stated by every financial expert. The reality is if a person is not mentally ready, they will not execute any plan.

Cost

On television, rich and famous people seem to be the only ones talking about meeting with financial advisers. This creates the perception that it takes thousands or millions of dollars to work with a financial adviser. The consumers living paycheck to paycheck with minimal or no assets (like a home, investments, etc.) may presume it is too expensive to meet with a financial adviser.

Many middle-class Americans are working hard to pay their bills and make ends meet. Paying to meet with a financial adviser may seem premature or unrealistic.

Denial

“People put off seeing a financial adviser for the same reason they avoid going to the doctor or dentist” shares Alfred Edmond Jr., BLACK ENTERPRISE Your Money Your Life Podcast host and co-author of Loving in the Grownzone. “They don’t want to deal with the choices, remedies, or lifestyle changes that will likely be necessary to improve their condition.”

People that practice avoidance in the hope that the problems will go away, or correct itself will deny the problem, and chose not to deal with the financial situation. Unfortunately, avoiding the dis-ease in the bank account will leave a person vulnerable to more financial hardships.

“People are embarrassed about their current (financial) situation and believe their choices got them in that predicament” explains Atiya Brown of Live Financially Savvy Podcast. “Since they don’t know the extent, they may tend to ignore and avoid.”

Pride

Almost 10 years ago, my pride almost put me in the poor house. I remember being ashamed to admit my major money mistakes and felt like a failure. I locked myself in a self-inflicted private prison of shame.

People suffer in silence because of their pride and the shame they feel because of making money mistakes. Making the decision to let go of the shame and ask for guidance will help to release the guilt.

Product Pushers

Julien Saunders of rich & REGULAR states, “Some financial advisers have a tendency to be pushy. Although well-intended, some (financial advisers) can make a person feel pressured. Consumers must fully understand the implications, alternatives, or cost to them as the investor.”

Some financial advisers are perceived as product pushers. Product pushing financial professionals turn off and scare away many consumers. Even though consumers know that financial advisers sell products, they do not want to feel pressured into purchasing products they don’t understand.

Stranger Danger

People do business with people they like, know, and trust. Sharing secret financial skeletons with  someone you don’t know can be extremely uncomfortable. It is even more frightening to give control of your money and assets to that stranger.

Patrina K. Dixon of It’$ My Money says, “Some people have trust issues. Therefore, if they do not trust the financial advisor, they will not be safe to share relevant information the adviser may need to assist the client.

 

Some Alternative Options to Using Financial Advisers 

Many are not ready for the financial commitment to meet or work with a financial adviser. Here are some alternative options and resources to help you “start where you are.”

Financial Blogs and Podcasts

Financial blogs are an excellent resource for free money tips and strategies. Here are a few blogs and podcasts to check out.

Tanya Rapley’s My Fab Finance Blog teaches millennial women of color how to regain control of their finances, overcome financial challenges, and pay off debt.

Talaat and Tai McNeely host the His And Her Money Podcast. Their podcast and blog aim to help married couples reach their financial goals together.

Marsha Barnes’ The Finance Bar Blog connects individuals to their financial wellness. She offers one-on-one coaching and an app that shows where your money is going.

Online Financial Tribes

John Hope Bryant, the founder of Operation Hope stated, “If you hang around nine broke people, you will be the tenth.” Connecting with people who have similar financial goals or have achieved the success desired is essential to financial success. Here are a few online financial tribes to check out.

The Live Richer Academy founded by Tiffany Aliche, who is known as The Budgetnista, is a membership-based online platform that offers courses designed to help participants take their finances to the next level.

Founded by Sandy Smith, of Yes I Am Cheap blog, Hustle Crew is a private Facebook group community that provides resources on entrepreneurship and starting a side hustle.

Financial Coaches

Financial coaches educate clients on the basics of money and credit management. They help their clients establish financial goals and create a customized plan to reach those goals. Financial coaches act as accountability partners to encourage and challenge their clients to success.

Financial coaching services range free through a non-profit programs to a few hundred dollars per hour to work with popular financial coaches privately.


Black Enterprise Contributors Network 

The post People Share Why They Don’t Use Financial Advisers; Some Alternative Ways to Get Financial Help appeared first on Black Enterprise.

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Democrats Say Possible Howard Schultz Presidential Bid Could Help Trump Win Second Term

A number of top Democrats say President Donald Trump could win a second term if former Starbucks CEO Howard Schultz runs for president.

Schultz said he is considering a bid for the 2020 presidential election as an independent during an interview that airs during this Sunday’s 60 minutes.

Democrat Juli?n Castro, who was the Obama administration’s secretary of Housing and Urban Development and recently announced his own bid for the race, spoke out against a possible Schultz run during an interview with CNN’s Jake Tapper.

“I have a concern that if he did run, that essentially, it would provide Donald Trump with his best hope of getting re-elected,” Castro said on CNN’s “State of the Union” Sunday.

Schultz, a Democrat himself, sees his possible run as a way to break from party-oriented politics, according to The Atlantic. He has already spent the past year hiring consultants, The Atlantic reports.

“We’re living at a most-fragile time,” Schultz told CBS’s Scott Pelley. “Not only the fact that this president is not qualified to be the president, but the fact that both parties are consistently not doing what’s necessary on behalf of the American people and are engaged, every single day, in revenge politics.”

Although 57% of American voters now disapprove of Trump’s job, Castro added that the President’s support is about 42% no matter which Democrat ultimately runs against him. If an independent party were to appeal to enough undecided voters, Trump could win the 2020 race.

Other Democrats that have spoken out against the prospect include former Obama senior adviser David Axelrod, Sen. Brian Schatz of Hawaii, and even the Democratic Party of Washington State, the HuffPost reports.

“I would suggest to Mr. Schultz to truly think about the negative impact that that might make,” Castro said.

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7 Ways to Help Your Kids Unplug This Winter

With darkness falling early and cold weather often limiting regular outdoor activities, your kids are apt to spend more time in front of screens during winter, using phones, computers, TVs, and other electronics and filling their hours with games and social media.

While media and digital devices are an integral part of our lives today, research has shown that face-to-face time with parents, family, and friends is even more important in promoting your child’s healthy development. By thinking creatively and being proactive, you can ensure that your kids enjoy a wintertime filled with fun, unplugged activities, and family connections.

Make a plan
Start by talking with your kids and creating a media use plan that you can all agree upon, then stick to it. The American Academy of Pediatrics offers a useful template, including a digital time calculator.

Much like the way you plan your child’s nutritional diet — ensuring lots of healthy fruits, vegetables, proteins, and grains and limiting extra sugar — you should be intentional about your kids’ daily “activity diet.” Prioritize those activities that are important for healthy development: 8 to 10 hours of sleep a day and one hour of daily exercise, plus family time, outdoor play, reading, and hobbies. Then create space in the daily schedule for the “dessert” of screen time and be consistent in enforcing daily limits.

Get outside together
A nightly walk can be a fun and easy way to get outside and get exercise. To keep the kids engaged, create a scavenger hunt-type list and bring flashlights. One night you could focus on spotting (and hearing) different types of animals. Another night could be devoted to scents (fireplace smoke, pine, etc.) or sounds (barking dogs, a siren, branches creaking). On weekends, head to your nearest park for a nature walk. Buy a bird book and encourage your kids to keep a list of the feathered friends they spot. End each walk by enjoying a warm mug of hot cocoa together.

Get your game on
Winter is the perfect time to break out the board games that have been gathering dust in the closet. For preschoolers, board games are a fun way to learn to follow rules, focus, and take turns. For older kids, these games offer a chance for healthy competition and face-to-face interaction. Old-fashioned favorites like Monopoly and Risk can be strung out over several nights or long afternoons. Or keep things interesting by having a running tournament (chess, checkers, backgammon), with results posted nightly. Share the fun by inviting other families over for Game Night and ask them to bring their favorite game to share.

Set up a creative corner
Tap into your kids’ inner artist by creating a space for them to draw, color, paint, sculpt, or construct every day. Just as schools have begun recognizing the value of providing a “maker space,” you can help your children unleash their creativity by setting aside time and providing the resources they need to create and build.

Encourage your bookworms
Cold weather offers a cozy time to curl up with a good book. The most important thing you can do to encourage your kids to love reading is to read aloud to them, notes the American Academy of Pediatrics — even after they know how to read for themselves.

Plan a weekly trip to the library and encourage your kids to use the hour you spend there choosing reading material from a wide variety of genres: poetry, nursery rhymes, fairy tales, science fiction. Whether they are 4 or 14, help them find some non-fiction books or magazines that speak to their passions — baseball, dinosaurs, bugs, or the American West. Find a book series that appeals to the whole family and carve out time each night for a family read-aloud hour, with family members assigned different characters to read.

Tap into the power of play
For kids of all ages, unstructured play is serious business — helping them build thriving brains, bodies, and social bonds. In fact, many pediatricians have begun to write a “prescription for play” for kids of all ages. The key is to create an opportunity for your children to take the lead and follow their own curiosity.

The tools you provide don’t have to be flashy or fancy.By simply equipping them with boxes, blankets, and chairs, kids can spend hours building a fort in the family room. Or put together a basket of “grown-up” clothes or inexpensive props or costumes from the local secondhand store and encourage your children and their friends to put together a production to perform for the family.

Keep an eye on the weather forecast: Whenever the temperatures permit, make plans to meet up with other families at the local playground or ball field and let the kids run wild together. Unstructured play, inside or outside, has the added benefit of being a stress-buster. According to the American Academy of Pediatrics: Kids who engage in play build safe and nurturing relationships that protect against stress and help build social-emotional resilience.

Safeguard screen time
When your kids do spend time enjoying the treat of screen time, there are steps you can take to ensure their safety and prevent negative outcomes. Co-viewing or co-playing a video game with your children is one way to stay engaged and give you a better idea of how your kids are spending their time. And younger kids learn better from media when they share the experience with an adult, according to the American Academy of Pediatrics.

Stay plugged in to who your child is playing with online, as well as the software, apps, and websites they are visiting. Make sure TVs and mobile devices are turned off at least an hour before bedtime, since the blue light can interfere with sleep. Recharging devices overnight in the kitchen or living room will ensure kids aren’t tempted to wake up and use their devices during the night.

Above all, be a good digital device role model and limit your own use so that you can be fully engaged during meal times, car trips, vacations — any time you spend with your kids.

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How movies and Martin Luther King Jr. help my son understand his Blackness

How movies and Martin Luther King Jr. help my son understand his Blackness


How movies and Martin Luther King Jr. help my son understand his Blackness

On Martin Luther King Jr. Day, an HG contributor writes about her son, his school project on Dr. King, and the realities of raising a Black child.

My 13-year-old son has been diligently working on a project for National History Day. According to the National History Day website, more than half a million middle and high school students around the world conduct historical research on a topic of their choice. The theme for this year’s project is “Triumph and Tragedy in History.” Students are encouraged to use various forms of media to research and present their final project. The two historical figures that my son is interested in exploring are Muhammad Ali and Dr. Martin Luther King Jr., and as he began diving deeper into his research, it opened a greater conversation for us about what he watches on screen, how he views himself as a Black teen, and how he thinks the world sees him.

We watched hours of archival footage of Martin Luther King Jr., Muhammad Ali, and the terrible atrocities they experienced as Black men in America. My son had a hard time watching Black people get attacked by white police officers, arrested for boldly expressing themselves, or lynched for drinking from the wrong water fountain.

During a break from research, we went to the movies to see The Hate U Give. Based on Angie Thomas’s YA novel of the same name, the movie is about a 16-year-old girl who witnesses the death of her childhood friend at the hands of a cop during a routine traffic stop. Attending the movie with my son on the heels of watching documentaries about the civil rights movement was a profound, unforgettable experience. He was engaged from the moment the film began with the main characters dad giving his children the “talk” about what to do when they get pulled over by a police officer. It is a talk that every Black parent has been forced to have with their children for decades. It is hard. It is painful. It is necessary.

Martin Luther King Jr. being shoved back by Mississippi police during march
Underwood Archives/Getty Images

The scene when a young man is murdered by a cop in front of his best friend is gut-wrenching. We knew he was going to get shot. We knew who was going to shoot him. But seeing it unfold stung. The media images we’d been watching from another era played out on the modern-day big screen, just as they still play out in the news and on our social media timelines today.

Sixty-some years later, images of Black people dying at the hands of racist police officers are eerily similar to the murders in the Deep South that Martin Luther King preached about.


That movie highlighted so many injustices that Black parents deal with daily. History has documented the tears of Black mothers and fathers burying their children due to racism. For generations, the message has stayed clear: Black skin is considered a threat; white skin is not. Martin Luther King’s dream that all children will one day be judged by the content of their character and not their skin color is a dream that has yet to be realized.

And raising a Black child to have confidence and pride in his heritage continues to be an uphill battle.

Everything in our society tells my son that he will one day be feared—maybe even hated—because of his melanin. As his mother, I am tired of painful conversations, but I will keep having them. I am too terrified to send my child into a world that may never see his heart or his humanity, and I understand the potential deadly consequences of that reality.

But our children are more than hashtags, and we need them to know that. Media like The Hate U Give is important because it reminds us of the power of community and illuminates the injustice wreaked by a broken criminal justice system. Still, I want more movies like Black Panther that show positive and powerful images of Blackness. Imagery and representation matter, and my son is not a threat. He is a compassionate, humble, silly, messy teenager—when will the images he sees on screen reflect that reality? Hopefully, it won’t take another sixty years.

Martin Luther King Jr. and his children
Hulton Archive/Getty Images

A few nights ago, I watched my son working on his history project. He was studious, deliberate, and focused. I couldn’t help but think that this too is a part of Dr. King’s dream. That a young Black male in middle America can know his worth, strive for excellence, and create opportunities for himself in the face of adversity.

As I walked to the kitchen, my favorite history progeny took his headphones off for a moment, and called out to me.

“Hey mom, it would be lit if Martin Luther King Jr. could see all the history projects about his life.”

I smiled inside; indeed, it would.

The post How movies and Martin Luther King Jr. help my son understand his Blackness appeared first on HelloGiggles.

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Can Music Help You Heal?

Can music be a part of your healing? It’s not just possible, it’s actually being used to help patients of various kinds. Deforia Lane has used music as part of healing therapy for patients suffering from various illnesses including cancer. Here is more information about how music can heal.

WHAT EXACTLY IS MUSIC THERAPY?
Music Therapy is the clinical and evidence-based use of music interventions to accomplish individualized goals within a therapeutic relationship by a credentialed professional who has completed an approved music therapy program.

Music therapy interventions can be designed to:

  • Promote Wellness
  • Manage Stress
  • Alleviate Pain
  • Express Feelings
  • Enhance Memory
  • Improve Communication
  • Promote Physical Rehabilitation

{Music therapy is a 75 year-old profession formally established in 1950. (Nat. Assoc. for Music Therapy). Physicians noted that shell-shocked soldiers in the VA hospitals were more compliant & less combative when music was a part of their daily protocol.

The medical model values data and research and Michigan State was the first university to establish a fully accredited degree in music therapy.  Now there are 8000 music therapists and 70 colleges & universities that offer a bachelors, masters or a Ph.D in music therapy.

HOW DID YOU GET INVOLVED WITH PRACTICING THIS TYPE OF TREATMENT?
After completing a degree in vocal performance (opera) from the University of Cincinnati College Conservatory of Music, I married, became a mother and when our first son was 5 I returned to complete a masters in music.  “Intro to Music Therapy’ was an elective which took me by storm and my life has never been the same.

It was the perfect merger of my love for music and my need to nurture and connect with people beyond the stage.  I was hired immediately as a music therapist at a developmental center for children with disabilities and was amazed at how music could address the needs of children with autism, cognitive delays, enhance their communication and increase their socialization skills.  Seven years later, I was invited to start a music therapy program at University Hospitals Cleveland Medical Center and that held my heart and soul for 34 years.

HOW CAN MUSIC THERAPY ADDRESS THE NEEDS OF CANCER PATIENTS?
Research has demonstrated music’s significant influence on the brain – it affects both hemispheres. Through MRI’s and PET scans, and modern technology we are able to better understand how to use music to impact physical, emotional, psychological and social well being.

We use it to decrease pain perception, reduce anxiety and depression, increase muscle strength/endurance and improve neurologic function.  Using combinations of guided imagery, instrumental music 60 – 80 bpm, & breathing techniques oncology patients’ pain can be significantly reduced.

AFTER MUSIC THERAPY, WHAT CHANGES HAVE YOU SEEN IN PATIENTS?

Mr. Mercer, dignified elderly deacon at his church had a stroke which left him unable to speak.  He tried but his words were not intelligible.  I chose one of his favorite songs – “This Little Light of Mine.”  It was important he be familiar with words and rhythm.  I took his hand and kept time on it by tapping with my hand and began to sing, articulating each word and making continuous eye contact. By the end of the first line he was mouthing the words in time to the music and by the end of the fourth line he filled in the missing word  – “shine”.  By the end of the song he completely sang the entire last line  – the first time he or his wife heard him speak with clarity.

With other patients whose speech has been affected by stroke, depending on what part of the brain is affected, we use a technique called Melodic Intonation Therapy.  This uses the rhythm and melody of music to enable a person to learn to speak again.  It’s transforming and gives hope to regaining a sense of normalcy.

WHY IS MUSIC THERAPY BENEFICIAL FOR PATIENTS TO USE?

Music is a part of our lives from first cry to last breath. We are born having heard for months the sound of our mother’s heartbeat, the sounds of her voice, perhaps he singing or her music, feeling the movement of her walking, dancing.

Music is a part of birthdays, graduations, church services, school dances, ceremonies and brings with it a range of emotions which are imprinted on our mind and heart.  We can use those inherent music experiences to  stimulate the brain to reconnect us with hope, physical and emotional strength.

 IS MUSIC THERAPY THE SAME FOR ALL PATIENTS?

Not at all. Because the experience of music is different for each of us it is best to customize its use to the needs of each patient.  That may change as their illness improves or as their disease progresses.

WHAT HAPPENS DURING A TYPICAL MUSIC SESSION?

Each session is based upon the specific patient goal, i.e., to decrease pain, improve the quality of their gait, to encourage movement & range of motion, etc. So I may use a wind instrument, recorder, to increase deep or steady breathing and improve oxygenation. Or a parent whose prognosis is poor may want to write a song for their children or spouse, so I facilitate that process by taking their words and setting them to the genre of music they choose.  Co-treating with physical therapists I can play music of the patient’s preference that supports the force and range of their muscle movement and range of motion.  Sessions vary widely.

 IS MUSIC THERAPY COVERED BY MEDICAL INSURANCE? IF NOT, WHAT IS THE COST RANGE?

In outpatient psychiatric settings it is normally covered and in some inpatient medical settings as well but it is it is handled differently by each insurance company.  For the best information on that because it can differ from state to state our American Music Therapy Association is an excellent resource.  www.musictherapy.org or 301 589-3300.

CAN HEALTHY INDIVIDUALS BENEFIT FROM MUSIC THERAPY?
Absolutely. To reduce stress, choose music to calm your mind and body, perhaps to prepare you for sleeping or before a challenging conversation.  To energize you when you’re feeling unmotivated – I listen to gospel music or Motown to clean my house;  as background to start a conversation with your children;  and nothing energizes me more to work out and exercise than music.  You walk farther and longer when you use your favorite songs.

HOW MANY SESSIONS SHOULD ONE PARTICIPATE IN?

Depending on the desired outcome it may be one session or I know some who have been in music therapy for months and years.

HOW HAS BEING A BREAST CANCER SURVIVOR, IMPACTED YOUR WORK WITH ORGANIZATIONS SUCH AS SUSAN G. KOMEN AND THE AMERICAN CANCER SOCIETY?

I identify with the fear, challenge, uncertainty, need for support and hope that a cancer diagnosis brings. I’ve been diagnosed twice within 10 months and I sought help to deal with it in support groups sponsored by the American Cancer Society. Once I began my position as Director of Art & Music Therapy at University Hospitals, I realized the importance of research to find the best treatment and applied and was the recipient of grants from local foundations and national organizations such as Susan G. Komen. I’ve been invited me to share the work of music therapy all over the world for which I am most grateful.

TELL US ABOUT THE PLAY SING SISTAH, SING.
There is great disparity regarding cancer in the AA community.  We contract cancer in greater numbers than our white counterparts and we die from it more frequently.  That is unacceptable to me and I wanted to do something about it. I asked two female friends of mine who look like me and had experienced cancer if they would be share their stories in the form and to sing the songs that encouraged them through their cancer journey.

They both had voices of gold!!  They agreed and together we weaved information into a 20-minute skit about breast self examine, prevention, what treatment entailed and we tried to dispel some of the myths that are so common in our communities (don’t let them cut you open, because the cancer will spread; you can’t get breast cancer once you’re an old lady past menopause; if you have it don’t worry your daughter by telling her – she won’t get it because you have it).

The audience naturally gravitated to the songs (gospel/inspirational) we sang – powerful.  Our dialogue was authentic and transparent, we even offered to show them our scars.  They seemed to identify with us, were easily engaged in dialogue, signed up for free mammograms. We performed this in inner-city high rises, churches and community centers for over 3,000 women.

HOW CAN SOMEONE FIND YOU TO GET MORE INFORMATION?

A: American Music Therapy Association

8455 Colesville Road Suite 1000

Silver Spring, MD 20901

216 301 589-3300; Fax: 301-589-5175

www.musictherapy.org

Deforia Lane answers ‘Text Tom’ questions on the next page.

 

Life & Style – Black America Web

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6 tools to help grow your website’s traffic, all currently on sale

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How to help yourself live longer


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Nurse Alice: When Your Help isn’t Wanted with Suicide Prevention

Saturday Night Live creator Lorne Michaels is reportedly sending Pete Davidson to “get help” after the comedian posted a now-deleted suicidal message online, hours before the show aired on NBC recently. And from the sounds of it, Davidson is going along with recommendations.

i really don’t want to be on this earth anymore. i’m doing my best to stay here for you but I actually don’t know how much longer I can last, read the actor’s cryptic Instagram post.

Davidson was confirmed to be fine Saturday by the New York Police Department, which visited NBC Studios to check up on him following the alarming post. He briefly appeared on SNL when he introduced musical guests Miley Cyrus, Mark Ronson, and Sean Ono Lennon.

His friend, rapper Machine Gun Kelly, rushed to New York City to support and be by Davidson’s side. Kelly wasn’t the only one who rushed to Davidson’s side over the weekend, however. A source told Us Weekly on Monday that pop star Ariana Grande, the comic’s ex-fiancée, showed up to NBC Studios, too, but Davidson refused to see her. Sources also say he even changed his phone number after the break up to further distance himself from Grande.

Earlier this month, Davidson stated on Instagram that he’d been bullied for months both before and after his split from Grande in October. He said he’d spoken about his borderline personality disorder and about “being suicidal publicly only in the hopes that it will bring awareness and help kids like myself who don’t want to be on this earth.”


Rejected Help

We can only imagine that Grande was hyper-concerned by Davidson’s concerning tweets, especially since her other ex-boyfriend, rapper Mac Miller, died earlier this year. But what do you do when your help is rejected?

It is possible that you can say all the right things and your friend will still be upset with you. Each person is an individual with unique thoughts and feelings, and being angry and upset is the nature of depression. Sometimes people will lash out at those trying to help them because they are hurting and don’t know where to direct those bad feelings. Whoever is nearby becomes a convenient target and, as a result, they may direct anger toward you and reject your assistance. And something else that you have to consider is: Could you have in any way contributed to their unhappy feelings? If so, this may be another reason why they are not receptive to your offers of help.

If this happens, try not to take it personally. Stay calm and continue to do what you can to love and support your friend in whatever way they will allow. According to board-certified psychiatrist Dr. Nicole Washington, “If you do find yourself on the receiving end of an angry reaction, just give that person space. This is not the time to argue, reason, or explain why you did what you did. Maybe once everyone involved has cooled down, a discussion can be held where you both get to express your views of what happened.”

Washington goes on to say that if this is able to occur, take this time to talk through what is helpful for them and what is not so that you know how to better respond to them in the future during these times.

The priority is that the distressed person gets the help they need, even if it isn’t from you. So don’t get salty and turn a blind eye if this happens; rather, continue to be supportive. These can be awkward, complex, and even challenging situations, but focus on the individual’s safety. If the person is in immediate danger – don’t leave them alone, call 911 and get help. Make sure to be on the lookout for warning signs of suicide and know when to seek help from others, even in cases when your help is rejected.

The post Nurse Alice: When Your Help isn’t Wanted with Suicide Prevention appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Orlando Brown Seeks Help From Dr. Phil With Snake-Eye Contacts

Orlando Brown is seeking help from Dr. Phil and wearing snake-eye contacts to his session.

Brown, the ex-Disney star (“That’s So Raven”) has been spiraling out of control allegedly due to drugs and who knows what else including mental issues. It seems his situation has become so dire that he’s at the point where he’s looking for a savior in the doctor.

The meet-up with Dr. Phil is set for Friday. Reportedly it’s an intervention-type setting that was put together by one of Brown’s friends. Speaking of mental issued, the friend says the ex-actor is suffering from a mental disorder and on top of that, has burned so many bridges … he’s run out of people and places to go for help.

“I called in because Orlando he has mental problems,” the 31-year-old’s friend told the television host in the clip. “He’s burnt so many bridges no one wants to deal with him. If you can’t help him, he does not have a chance.”

Here’s more from TMZ:

The clip’s pretty shocking — both because of what the friend says about the “That’s So Raven” star … and the look in Orlando’s eye(s) when he sits face-to-face with Dr. Phil.

We broke the story … several of Brown’s friends staged an intervention for him in October to encourage him to enter a rehab facility. It worked — but only temporarily — and it’s clear people are still very concerned about him.

As we reported … Orlando’s been in and out of handcuffs several times in 2018, including after he was busted breaking into a restaurant in September.

Oh yeah, let’s not forget about the insane time he was busted by bounty hunters back in April. He was arrested in his underwear!

And there’s this:

“Out of nowhere he’ll say, ‘Michael Jackson’s my father. I own Neverland,’” his friend told Dr. Phil.

The full interview airs today, Friday (12/21/18). Check your local listings for “Dr. Phil” air time(s).

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More help wanted? Some Trump advisers question Mulvaney’s fitness for job

The White House still has a help wanted sign, Democrats wait for Beto O’Rourke’s 2020 decision, President Trump’s immigration policies will soon be under a microscope, and the House GOP shields Trump from an awkward decision. It’s all on Inside Politics.


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Big Booby Benevolence: Woman Launches $100K Bra GoFundme To Help Other Women In Need

Stephanie Nelson AKA Persephanii

Source: Stephanie Nelson / Instagram

With a bust size of 34S, Stephanie Nelson knows a little bit about the struggles of finding a bra that fits and supports her situation properly. Ms. Nelson has launched a $ 100,000 GoFundMe effort to support other women in the journey of locating bras that both look and feel good in an overall bid to promote breast health.

Some readers might remember Nelson as one of our Baes and Baddies entries under the name persephanii, and as we noted then, her curvaceous frame is without a doubt a head-turner. However, she’s noticed the plight of women of her busty ilk in noting that many of them are wearing ill-fitting bras and how that could be contributing to their back pain and the like.

From GoFundMe:

I am a size 34S and I have no pain associated with my back and shoulders from having large breasts! It was not always like that. I wore poor suppprting bras thatugged on my back and shoulders to the point of me considering having a breast reduction.

Breast health is extremely important. Finding the right size is even more important. Many women walk around with pain in their back, shoulder and chest because they cannot find the right size. As a breast healthy woman I fear there could be a correlation to breast diseases and wearing poor supporting bras. I would like to raise money to not only purchase new bras for myself but also do give aways and events and help other women with large breasts find bras that fit well, improve their posture and help get rid of pain.

With all of that being said. BRA’S are expensive. Please donate if you’d love to see a reduction in pain and more confident breast healthy women near you!

Nelson kept it a stack in saying she wants to cop new wears for herself, but the larger goal of helping others is really the best part in all of this. Salute to her.

If folks would like to support Stephanie Nelson’s bra fund, click here.

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5 adult summer camps that will help you feel like a kid again

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 Most people are certainly fine with aging and the idea that whether we like it or not, we are getting old, or older. However, others simply refuse to accept the fact that those good ol’ days when they were young and careless are nothing but a distant memory. As we get older, especially when we start having our own kids, there’s a growing need and wish to stick to our younger-self version as tight as possible. Perhaps we want to feel and seem young in our kids’ eyes, or maybe we just want to go back to those kid-free days and the only way to do so is to live vicariously through our own flesh and blood. Nothing screams childhood more than summer camp, but as we get older, let’s just say that our summer plans are becoming more and more, well, lame.

Good thing adult summer camps have become more and more common. Anyone who used to go to those kinds of camps as a kid knows there’s nothing more fun than doing all these fun activities and not having one care in the world. Grown-up summer camps have become a trend in recent years and they include all the perks of a summer camp, only with a few mature twists like yoga classes, happy hours and the most important thing, there’s no curfew. We’ve rounded up five camps that will help you relive those childhood memories. It’s time to unleash your inner kid and head to an adult summer camp this summer.

Camp No Counselors

Just as the name suggests, this all-inclusive site that already has more than 15 locations around the world, is everything you can expect from an adult summer camp, and more. Once you arrive, you will get your room key where you get to sleep on bunk beds as well as your t-shirt. All of your favorite childhood games will be accompanied with a beer in one hand and a cocktail in the other. Water games, talent shows and themed night parties are all part of the itinerary, oh and the open-bar of course.

Camp Bonfire

It’s time to make new friends and there’s no better place to do so than at Camp Bonfire. Sure, the name might sound a bit cheesy, but trust us, there’s nothing cheesy about the place. It’s all about the idea of making new connections while sitting by the fire and watching the lake with a beer in your hand. Settled in the Poconos Mountains, Camp Bonfire will allow you to be on your own schedule where you can mix and match the times of the activities.

Camp Grounded

In the technological world we live in, there’s no doubt that we all need a break from our phones and laptops from time to time just to relax in the most natural way possible. During your four-day stay, you get to choose from 25 different sessions. It’s a real digital-detox in every sense of the word. No screens, no technology, no talking about what you do for a living and no agenda really. It’s an opportunity for you to unplug, literally, connect with yourself again and experience the real camp life, like they used in the old days.

Soul Camp

Speaking of unplugging and relaxing, Soul Camp is the place for you low-key adventurers. If you can’t enjoy even five minutes of quiet time or a long and relaxing bath, then this place is probably not for you. But if you need have some soul searching to do and love to listen to inspirational talkers and meditate, then you need to book your spot at Soul Camp asap. Making dream catchers and doing yoga for instance, is part of the curriculum.

Camp Throwback

Not sure if this camp was founded before or after the famous social media hashtag was alive, but the only difference between this camp and the one you remember from when you were a kid is the booze factor. Settled in Ohio, this adult camp includes all the classics. From bonfires and sticky marshmallows to team effort activities. Do you feel like a kiddo yet?

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‘Teach Flu A Lesson’ Strives to Help Kids Stay Healthy This Season

No one wants to be sick, especially during the holidays, which is why it is especially important school-aged children get the annual flu vaccine this fall.

According to the Centers for Disease Control and Prevention, flu is the leading cause of illness, and last year’s flu season was the deadliest in more than a decade. Young children are especially at risk. The flu spreads quickly in tight quarters such as elementary school classrooms, and children’s developing immune systems may be more susceptible to colds and flu. Children who live in low-income communities may be at even greater risk because their access to health care and preventive vaccines is often limited.

Thanks to the voluntary Teach Flu a Lesson program, thousands of underserved students throughout Southern California can receive increased protection against the influenza virus this season at no charge. The innovative partnership among Kaiser Permanente, the California Department of Public Health, 10 school districts, and 11 nursing schools is making more than 8,000 flu vaccines available at school-based vaccination clinics.

By providing the vaccine to communities with below-average vaccination rates, Teach Flu a Lesson helps ensure the most vulnerable communities can reduce their risk for infection and enjoy better health this winter.

“This program is so important — it is not only about protecting the individual child, but also protecting the school from a larger outbreak, and protecting the student’s family, including younger siblings,” said Margaret Khoury, MD, pediatric infectious disease specialist and regional lead of the Kaiser Permanente Southern California Flu Vaccination Program.

“Reaching out to the community and making protection available to children every flu season is the way to go,” Dr Khoury said. “Removing obstacles to getting the flu shot is the key to our success and what makes this program a model.”

Bradley Jacoby, DO and Riverside Community College nursing students.

Bradley Jacoby, DO, Southern California Permanente Medical Group (bear costume), and Riverside Community College nursing students partner for the Teach Flu a Lesson program.

This year, Teach Flu a Lesson is expected to be especially successful because of the return of FluMist, the nasal spray vaccine option. Working with the California Department of Public Health, Kaiser Permanente is making both FluMist and the standard flu shot available to young students with their parent’s or guardian’s permission. Kaiser Permanente also helped to secure assistance from local nursing schools, whose nursing students are administering the vaccines.

“The FluMist is great,” said Kevin Moore, practice specialist at Kaiser Permanente, who helps lead the Teach Flu a Lesson program with Lisa Buffong, associate medical group administrator. “It is quick to administer and less traumatic for students compared to a shot, and we know it is just as effective.”

This year, 112 Southern California schools are hosting the vaccination clinics. Participating school districts include:

  • Antelope Valley: Lancaster
  • Los Angeles County: Baldwin Park and El Rancho
  • Orange County: Anaheim, Buena Park, Santa Ana, and Savana
  • Riverside County: Riverside
  • San Bernardino County: Yucaipa
  • South Bay: Torrance

“Every year, many students miss important instructional time in the classroom because they are home sick with the flu,” said Christopher Downing, superintendent, Anaheim Elementary School District. “The value of the Teach Flu a Lesson is that it helps lower this public health barrier and ensures access to a flu shot for all of our students.”

Now in its sixth year, Teach Flu a Lesson began at schools in early October and will continue through mid-December.

“As we head into the holiday season, the key to staying healthy for children is getting the vaccine, combined with handwashing, and of course healthy eating and sleep,” said Dr. Khoury. “That’s the recipe for wellness.”

To learn more about Kaiser Permanente Southern California’s work in the community, please visit http://community.kp.org.

The post ‘Teach Flu A Lesson’ Strives to Help Kids Stay Healthy This Season appeared first on Kaiser Permanente.

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Hypnotherapy: can it really help you drink in moderation?

Shots and shiraz may have fuelled her twenties, but now Nicola Moyne is on a quest to banish the booze. Here, she discovers if the power of hypnosis is more potent than the festive pull of pinot

hypnotherapy

As a child of the 80s, my teenage years were a blur of WKD Blues and garage music. A minimum of four nights a week were spent in small-town bars or kaleidoscopic-lit clubs, swigging alcopops and cheap, vinegary wine to the dance-floor beats of Artful Dodger and Bobby Brown. Regular blackouts prevented me (sometimes thankfully) from remembering the night before and no matter how many times I staggered or slurred, I always wanted ‘one more glass’.

Fast-forward to my mid-thirties and drinking had become, not unsurprisingly, a habitual nightly routine. One large glass of red with dinner had slowly morphed into two. Soon enough I was able to quaff an entire bottle, and decanting Tesco’s finest Malbec (my middle-class poison of choice) on a Monday evening had become as natural as brushing my teeth in the morning – as had sleepwalking my way through the following day in a foggy, hungover haze.

Then there were ‘the incidents’: the nights out where I drank myself into oblivion with other hard-drinking friends and had to be helped home by kind strangers on the train. Invariably, I remembered nothing from the evening past my third glass, but I always woke fully clothed, feeling ashamed, anxious and demonstrably sick. Some mornings I realised that I had fallen and cut my knee/chin/elbow; others that I no longer had my purse/phone/coat. I tried drinking gin instead, but it turns out that’s addictive too. Something had to give.

It proved a timely decision: last month, a report published by the World Health Organization found 13.5 per cent of all deaths among people in their twenties are linked to alcohol. Similarly, a recent study by the Global Burden of Diseases has concluded that ‘the safest level of drinking is none.’

But the thought of never drinking again, of forgoing a flute of champagne to celebrate a birthday or having a glass of full-bodied red with friends over Sunday lunch once every so often didn’t feel right either. I wanted the holy grail: I wanted to be able to control how much and where and when I drank; I wanted to achieve moderation.

‘Unlike a lot of other therapies that tend to rake up the past, hypnotherapy provide a tool for positive change’

I turned to Ailsa Frank. A leading UK-based hypnotherapist and motivational coach with a proven track record in addressing the nation’s drinking problem, Ailsa has helped thousands of people to quit or drastically reduce their alcohol intake through the tool of hypnosis. More than 70 per cent of her clients initially seek help for alcohol-related problems and over the past 13 years, she has rolled out an increasing number of hypnotherapy workshops, one-to-one phone sessions and audio downloads to meet the growing demand. There’s also her book, Cut The Crap And Feel Amazing, which, rather incredibly, Ailsa wrote in just 10 weeks.

‘I used the power of self-hypnosis to write that,’ she laughs. ‘I literally told myself that I could do it; that I was doing; that it was done,’ and, day-by-day, I ploughed through the pages. Your mind is incredibly powerful and, unlike a lot of other therapies that just tend to rake up the past, hypnotherapy provides a real tool for positive change.’

So how does it work? ‘Memories, habits and patterns are stored in the subconscious part of your brain, so when you learn a habit – like tying your shoelaces when you’re a child – it becomes automatic. Learning to drink alcohol in a certain way is exactly the same thing, and it will become a deeply ingrained, automatic habit that’s hard to shift.’

In my first phone session with Ailsa, we spend 30 minutes discussing my life generally. Am I stressed at work? (Not particularly.) What hobbies do I have? (Too many to list here.) How often do I drink? (Usually every day.) Why do I want to stop? (To escape increasingly horrific hangovers, focus on my health and generally grow up a bit). Then we get down to business.

I’m asked to lie on my bed or sofa and switch my phone to loudspeaker or plug in headphones. I opt for the latter options and listen intently to Ailsa’s soothing voice, which instructs me to rub my arms from shoulder to elbow and fix my eyes on a comfortable spot on the ceiling. I’m then instructed to close my eyes and start counting backwards silently to myself as Ailsa starts the hypnosis part of the session. I’m vaguely aware of experiencing rapid eye movement as she asks me to visualise myself walking down a set of stairs and out on to a beautiful garden, where there’s a shimmering pond and stepping-stones bathed in different colours that lead to a winding road, presumably symbolising my life.

From here though, the details become a little fuzzy. I’m asked to visualise my worries as pebbles that I let go of by dropping into the pond; to see myself as a child in the garden, confident, playful, cared for; and to imagine doors to new opportunities opening up along the winding road to sobriety.

I’m not asleep – in fact I’m very aware of Ailsa’s voice throughout and what she asking me to visualise – but I am incredibly relaxed. I’m asked to convey what I’m thinking or feeling and we communicate on and off throughout the hour-long session. Afterwards, however, the details of what she has said to me are vague. I remember stepping-stones and roads and seeing a happy five-year-old version of myself, but nothing much in between.

‘If your conscious and subconscious minds don’t match, you won’t truly break the habit’

‘We are in a state of hypnosis at some point most days,’ Ailsa explains. ‘For instance, when you drive somewhere but can’t remember the journey itself or how you got there, or when you have absolutely no idea what junction you’re at – that’s because your brain has entered a hypnotic state.

‘Hypnotherapy is just a relaxation tool that allows you to access a memory bank – the part of your brain that stores habits – so that you can break them and build new ones. It is a way to clear up the deeper parts of your mind so that you can perform at your very best,’ she says.

Over the course of six weeks, I have two more one-to-one phone sessions with Ailsa, lasting 45-60 minutes each and listen to a 10-minute relaxation recording before bedtime each night. I even cajole my partner, Richard, into having two sessions with Ailsa to get us both on the same sobering page and break habitual evening drinking together (basically, I figure there’s safety in numbers).

drink in moderation

Initially, I’m skeptical about the feasibility of drinking in moderation. Going teetotal, I get: you’re eradicating temptation by taking yourself out of the game. But being able – let alone wanting – to drink just one glass of wine seems completely alien to me.

‘My clients tell me it’s the same feeling as having too many cups of tea – when you’re offered another one, you simply say you don’t fancy it because you genuinely don’t,’ Ailsa says, reassuringly.

Sure enough, after session one the mid-week drinking stops immediately. We’d both been trying to cut down on drinking alcohol after work prior to the sessions, but after having hypnotherapy, neither of us has to battle with ourselves as we pass the alcohol aisle in the supermarket.

‘Where hypnotherapy differs to will power is that it alters not only your conscious mind, but your subconscious too,’ Ailsa explains. ‘That’s why people who complete Dry January often struggle to keep up good habits once February rolls round – they may have altered their conscious mind, but they haven’t reframed their relationship with alcohol in the subconscious part of the brain – and if your conscious and subconscious minds don’t match, you won’t truly break the habit.’

I start to notice other small shifts. For instance, I start buying sparkling water and filling my usual wine glass with it of an evening to relax. It feels just the same as drinking wine, minus the fuzzy head and rambling conversations over dinner. I also start running more regularly and practicing yoga twice a week – a goal I’d worked towards for at least a year but never quite managed. I start eating healthier lunches and dinners, and getting up earlier, feeling refreshed and energised rather than shattered and slightly depressed. The change is noticeable and quite remarkable.

‘People forget just how good they feel when they don’t drink on a regular basis. If you have a daily drinking habit, you’re essentially always playing catch-up with yourself, which becomes exhausting and can have a huge detrimental effect on your career and relationships,’ Ailsa says.

However, the true test comes just after my third and final session: I’m going on a girl’s weekend. With my hard-drinking friends. To an undisclosed location. I start to panic that my new, wholesome habit of drinking very little and only in social situations when and if I fancy it, is going to come crashing down around my smug sober self faster than you can pour a glass of pinot.

Incredibly, though, it doesn’t happen. Not at the airport when everyone is joyously quaffing prosecco; not on the plane when everyone orders a cheeky bottle of Merlot; not even on the ‘big night out’ when the girls are merrily clinking their goblets of aperol spritz. And not because I’m forcing myself to stay off the booze or morosely sipping my one glass of shiraz while the rest of the revelers party up a storm, but because I’m genuinely having a great time without it. I feel happy, confident and completely content to just have the one, or even – shock, horror – none.

‘My once-toxic relationship with alcohol has gone through an unequivocal break-up’

I enjoy sipping a lovely glass of locally produced valpolicella with dinner each evening, and order a deliciously sharp gin cocktail at a swanky underground bar. But it’s clear that my once-toxic relationship with alcohol has gone through an unequivocal break-up.

Where once I would have ordered three large glasses of anything, now I savour a few sips of a good-quality red and want nothing more. I feel full and in control; like I’m sat at a table heaving with amazing food, but I’m completely content after a few delicious mouthfuls, favouring the sparkling water I now instinctively order instead. What’s more, I go for a morning run. Twice. On holiday.

Feeling refreshed and thrilled that I’ve finally mastered the art of drinking in moderation, I return to the UK half expecting my partner Richard to have cracked open a few beers while I’ve been away. ‘Beer?’ he says, slightly confused when I ask how he got on without me. ‘I was out sailing all weekend – I didn’t even have time to think about drinking,’ he admits.

Which pretty much sums up what Ailsa is trying to achieve with each and every one of her clients. ‘Life will always be a roller coaster – we all experience loss and stress, which is why so many people lose themselves in drinking at some point – but if we actively reframe our thoughts to look for the amazing, for the positives, we can create a happy, fulfilled, more balanced life; one where we always live in the best moment and enjoy passing through.’ That’s something I think we can all cheers to. Just make mine a sparkling water…

 

‘Take Control Of Alcohol’ and ‘Stop Binge Drinking For Women’ hypnosis downloads by Ailsa Frank are available at Ailsafrank.com at £14.99; Cut The Crap And Feel Amazing by Ailsa Frank (£10.99, Hay House) is a dip-in, no-nonsense guide to shedding habits that are holding you back. Utilising the power of positive thinking and self-hypnosis, the book delivers actionable tips on how to reframe your thoughts on everything from alcohol reduction and clearing debts to dealing with heartache and health. For one-to-one hypnotherapy phone sessions (£150 each; 2-4 required) contact Ailsa Frank via her website.

 

 

 

 

 

 

 

 

 

 

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The US Army is forming a ‘Fortnite’ team to help with recruitment

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The United States Army is in a bind. It failed to meet its recruitment goal this year, so it’s looking for other, newer ways to drum up interest with today’s youth.

The Army has decided to get into esports.

In an attempt to appeal to today’s youth, the Army is putting together teams to compete in esports and competitive games like Fortnite, Overwatch, League of Legends, Madden, and Call of Duty, according to independent American military newspaper Stars and Stripes.

Stars and Stripes reports that the Army is interested in having soldiers represent the branch of the U.S. military in competitions, tournaments, and other such events as a way to get the Army brand out there and connect with young players who may be interested and eligible to join the military. Read more…

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Influencers Help Change the World’s View of Haiti

Wanda Tima didn’t feel proud of her Haitian heritage as a child. “I grew up always hearing nothing but bad things about Haiti,” she told Black Enterprise. Born to Haitian parents in Turks and Caicos, the 35-year-old entrepreneur moved to a community in South Florida in the early 90’s where Haitians were stigmatized. “Kids were being told that Haitians eat cats and all Haitians have AIDs,” she said. In addition to the taunts and scorn, Haitian students were subjected to physical bullying and violence. “I watched Haitians get beat up on the school bus and there would be a lot of gang-related fights all the time with Haitians versus Jamaicans [and] Haitians versus everybody [else]. It was so uncool to be Haitian.”

Finding Her Roots

Wanda Tima

Wanda Tima, founder of L’union Suite (Instagram)

It took years before Tima fully embraced her lineage, which was triggered when she had an identity crisis as a young adult. At the time, she felt disconnected from her Haitian peers and detached from the culture at large. “You have a generation of kids, like myself, [who] were only Haitian by name,” she said. “My mom wasn’t speaking Creole to us at home and we weren’t listening to Haitian music. There wasn’t any Haitian culture in my house.” As a result, “I never really understood where I fit in.”

It wasn’t until she graduated from Bethune-Cookman University, an HBCU in Daytona, Florida, that she realized she couldn’t plan for her future without first connecting with her roots.

“There was a missing piece that I didn’t have any information on,” she said. “I was going through a phase of trying to learn more about Haiti and the culture.”

Her parents, however, discouraged her from exploring her ethnic background or visiting Haiti, so she started researching the country on the web, which led her down a rabbit hole of depressing news. Rather than becoming discouraged, Tima became determined to change the narrative. In 2011, she created L’union Suite, a digital platform that highlights positive news about Haiti and Haitians around the diaspora. Today, it’s one of the most popular websites for Haitian-American lifestyle, tourism, culture, and entertainment news, reaching tens of thousands of readers on a monthly basis, plus millions more on Instagram, Facebook, and Twitter.

Hait

Karen Civil and Wanda Tima circa 2017

To further empower people of Haitian descent, Tima launched a business directory called Haitian Professionals in 2015, that helps entrepreneurs gain business and exposure. In addition, she works closely with Karen Civil, a Haitian-American influencer and marketing strategist, to hosts charity events and raise money to support different projects in Haiti like a computer lab in a school in Cap-Haitian, Haiti’s second largest city.

The Beauty of Haiti

Haiti

Steph Lecor with students from the Institut Sacré-Coeur du Cap-Haïtien (Photo credit: Rosslin Mozart Louis)

In October, Tima celebrated the seven-year anniversary of L’union Suite by inviting a group of U.S.-based millennial women entrepreneurs, artists, influencers, and members of the press to Cap-Haitien. The goal was to expose the world to the beauty that lies beyond the protests, violence, and natural disasters that are frequently reported through American news outlets. Despite the negative depictions of the nation, “Haiti is no different than most other Caribbean countries,” said Tima. “Yes, there’s poverty; yes, there’s a lot of help that’s needed; yes, the government has a lot of issues; but, at the same time…there are beautiful parts of the country.”

During the trip, the influencers — which included singer Dawn Richards; BET correspondent Amanda BoozMecca Moore, the owner and publisher of THINK PYNK and PYNK Branded LLC; singer and reality TV star Azia Toussaint; recording artist Steph Lecor; actress and entrepreneur Shelah Marie RhoulhacSandy Pierre, a marketing specialist at Hearst Integrated Media; and this reporter — shared their experiences with their massive collection of Instagram followers. The four-day trip included a visit to a local school and a tour of the Sans-Souci Palace, an ancient royal ruin built in 1813, that was named after Jean-Baptiste Sans Souci, an African-born slave who helped lead the Haitian Revolution. The women also spent a day on Amiga Island, a stunning beach destination in Labadee, where local fishermen caught and grilled red snapper, crabs, and a Creole conch dish known as lambi. They also dined at popular Haitian restaurants like Lakay and Lolo and stayed at the luxurious Satama Hotel, which sits at the top of a mountain overlooking Northern Haiti.

Haiti

The Sans-Souci Palace in the town of Milot (Photo credit: Rosslin Mozart Louis courtesy of L’union Suite)

Richard, an independent recording artist formerly signed to Bad Boy Records, was in the middle of a tour with her singing group, Danity Kane, when she received Tima’s invite to travel to Haiti. Honored by the invitation, the New Orleans native immediately cleared her schedule. “I am overwhelmed and very grateful that I had the opportunity to see my roots first hand,” the Haitian American singer told BE. “Not only am I able to see Haiti through my own eyes…but I get to do it with other women who look like me.”

Likewise, Lecor, who is signed to DJ Khaled’s We The Best Music Group, was delighted to return to Haiti. “I used to come every summer up until I was 12 years old,” said the first-generation Haitian-American singer. “Those were the best summers of my life.” She continued, “When Wanda called me two days before the trip, I jumped on the opportunity to be here,” she said, adding, “as soon as I got here…it felt like home.”

While appreciative of Haiti’s allure, Lecor is not remiss of what many people think of Haiti, like President Donald Trump who notoriously described it as an “s–thole” country. “The perception is that Haiti is unsafe, dirty, and dangerous,” she said, admitting that it’s hard to drive through the impoverished neighborhoods. As a result, the landscape, culture, and people are overlooked.

Haiti

Amiga Island in Labadee, Haiti (Photo credit: Rosslin Mozart Louis courtesy of L’union Suite)

Toussaint, a star on BET’s “Hustle in Brooklyn,” had dreamed of visiting Haiti, the country where her father was born, as a little girl. However, she said seeing the poverty and devastation juxtaposed to the scenic landscape was “bittersweet.” “Even [though] the places have gone through so much destruction and hardship, it’s [still] a beautiful place,” she said. She added that Haitians have not lost the grit needed to survive. “I saw a bunch of people who still had pride, still had hope, and the strength, courage, and the willingness to move forward.”

influencers

Mecca Moore, Sandy Pierre, Amanda Booz, Selena Hill, Shelah Rhoulhac, Wanda Tima, Steph Lecor, Azia Toussaint, and Dawn Richards at the Sans-Souci Palace (Photo credit: Rosslin Mozart Louis courtesy of L’union Suite)

After returning to her home in Sunrise, Florida, Tima said the trip was “beyond successful.” In addition to a great experience, the women networked and connected with each other as well as with locals all while shining a positive light on Haiti through social platforms. L’union Suite’s “social media impressions during the trip were record-breaking,” said Tima, “and now more and more people know about the work we are doing in Haiti and want to not only vacation [here] but [also] assist in giving back at the school.”

Furthermore, the trip reaffirmed Tima’s commitment to uplift Haiti and spotlight its beauty and strength. “I come from a lineage of people who are leaders and unapologetically strong. I am the daughter of the first Black republic. We are such truly a group of resilient people,” she said. “The more I learn about my history and our contributions to the world, the more I fall in love with who I am.”

 


Editor’s Note: This story was updated on Nov. 6, 2018.

 

 

 

The post Influencers Help Change the World’s View of Haiti appeared first on Black Enterprise.

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Here’s How The New FICO Credit Scoring Will Help Your Credit

Have you checked your credit score lately? Well, a new FICO credit scoring system is expected to debut in early 2019—and it may lead to a favorable boost in your credit if your bank activity is in line with standards.

The Fair Isaac Corp., the originators of the coveted FICO Score, is planning to create a more holistic credit scoring method. Traditionally, a borrower’s credit-worthiness has been calculated based on payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Now, Fair Isaac Corp. will factor in a person’s ability to manage liquid assets such as checking, savings, and money-market accounts.

This new credit metric, the UltraFICO Score, is FICO’s solution to broadening lending eligibility. Experts believe this shift in credit scoring will increase access to credit products by leveraging consumer-driven bank information to assess an individual’s financial management capabilities. Lenders will now see an enhanced view of financial behavior that can impact lending outcomes and approval ratings.

Credit scores are synonymous to the report cards you get in school. It shows how well you’ve performed in a variety of financial areas to determine how likely you are to repay a loan. These scores are used by a variety of lenders to assess your credit personality and risk profile.

FICO estimates the UltraFICO Score scoring will improve credit access for the majority of Americans, especially those with credit scores ranging from the upper 500s to lower 600s and individuals with limited credit history or financially distressed individuals who are regaining their wind.

Most FICO scores range from 300 to 850, and the highest scores get access to the best interest rates in the market. According to FICO, the average FICO in the U.S. as of September 2018 was 704, rising approximately 15 points higher than average scores a decade ago when the recession was near its peak.

If you’re hoping the new credit scoring will work in your favor, pay close attention to the additional data points that will be taken into consideration and create a plan that will give you optimal results.

 

The post Here’s How The New FICO Credit Scoring Will Help Your Credit appeared first on Black Enterprise.

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So Sad: Black Navy Sailor Attempting to Help ‘Stranded Motorist’ Shot and Killed [Video]

21-year-old Curtis Adams, an active duty Navy sailor, was driving in Mountain View, Calif., Saturday morning when he saw a man near a vehicle that he believed the man needed help with.

Curtis, along with his girlfriend, pulled over to offer his assistance. He was unaware the man was actually trying to steal the car.

The car thief pulled out a gun and shot Curtis before his girlfriend called 9-1-1. He was transported to UC San Diego Medical Center where he died.

via The Root:

According to NBC San Diego, the suspect, who was caught Sunday, was also involved in another shooting minutes before he shot Adams. The accused shooter has been identified as 21-year-old Brandon Acuna.

Acuna, who has a long criminal history, “was booked into San Diego County Central Jail on charges of first-degree murder and second-degree burglary and held with no bail,” NBC San Diego reports. 

The police are still investigating the motive behind both shootings. 

So sad.

The post So Sad: Black Navy Sailor Attempting to Help ‘Stranded Motorist’ Shot and Killed [Video] appeared first on lovebscott – celebrity news.

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A New Way To Score Credit Might Help You

YOU JOIN US THIS MORNING WITH CREDIT SCORE NEWS. WHAT DO YOU HAVE FOR US THIS MORNING?

An interesting story broke last week that could benefit some of our listeners with below average credit. Fair Isaac Corporation, the company responsible for the widely used FICO credit score, announced it would soon be testing a new score that takes a borrower’s bank account balances and cash management practices into account to supplement that traditional credit score metrics.

The goal of this new score is to provide a new path for people with borderline credit to qualify for loans or credit cards. Fair Isaac will partner with Experian, one of the big credit reporting bureaus, to test the new formula next year.

 \HOW WILL THIS NEW SCORE WORK?

The current system of calculating a FICO credit score – the three-digit number that lenders use to evaluate a borrower’s ability to repay a loan – are based primarily on a borrower’s history of repaying mortgages, loans and credit card balances.

The new score, which Fair Isaac is calling UltraFICO, would into account factors like how long accounts have been open, the frequency of activity and evidence of saving.

IF THEY ARE CONSIDERING ACCOUNT ACTIVITY, DOES THAT MEAN THEY HAVE ACCESS TO YOUR BANK STATEMENT?

A great question, Tom. Obviously, it would make many people nervous to let Fair Isaac or any company have access to your account details. Instead, UltraFICO would be offered to customers who were not otherwise able to qualify for credit or a loan with their traditional FICO score.

Lenders would then have to get a borrower’s sign off to collect information about their cash management habits and create an UltraFico score. Specifics like where you are spending money are currently not expected to be tested.

WHO WOULD BENEFIT?

Fair Isaac Corporation has said the UltraFICO would likely be most helpful for  people with credit scores in the high 500s to the low 600s, or those with scores just outside of a lender’s cutoff. A

dditionally, people who have limited credit history, like young people, and those who had a financial rough patch and are restoring their credit would likely benefit too. The company said that those who opt for UltraFICO could see their score jump 20 points if their banking behavior is deemed positive.

THIS IS AN INTERESTING PROPOSAL, BUT CAN YOU REMIND US HOW TO BOOST OUR REGULAR CREDIT SCORES?

It’s about the fundamentals. First, pay your bills on time. Because credit scores are designed to give lenders an idea of how reliable you are, the best thing you can do is be consistent. If you often forget the date or pay late, I would recommend signing up for automatic payments.

You also want to pay close attention to your credit cards. First, you want to keep your credit card balances as low as possible, if not at zero. High balances and high credit usage – the ratio of credit used to credit available – will be noted.

You also want to avoid having balances across a number of cards. Finally, review your credit reports regularly. With increased hacking and scammer activity, you want to be vigilant for false activity on your credit report.

 


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