Tag Archives: Black people

Financial Planning; Short Term Plans, Long Term Actions.

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Financial illiteracy has plagued and largely impacted the African-American community for many generations. Most of us are lacking when it comes to the understanding of how money works and how to efficiently manage and build wealth. Our impoverished communities continue to rest in this state because there is no transfer of wealth. Wealth continues to be held and dominated outside of our communities because of our low receptivity to financial literacy. Though the tides are beginning to turn on this matter as awareness grows, we as a people still have quite a ways to go. How do we regain prosperity? How do we bring it back to our communities and families? How do we protect it and keep it? How do we go from “new money” to “old money?”

Every great accomplishment begins with careful and strategic planning. While planning may be the answer, it may NOT be the solution. Integrated financial planning as the answer only becomes the solution when it is followed through. You need a plan, it begins with a plan! Wealth building is an ongoing process of structured forced, systematic, efficient and consistent saving habits.

While having a generous income does help, it is not entirely about how much money you make or the lack there of. It is about having the discipline to start today with a meaningful amount that you can commit to monthly or annually regardless of your economic status. Truth is there will always be a reason or rather an excuse NOT to save or invest. You have to conquer that need of immediate gratification by giving up the things you want now, to invest in what you will need in the future. Don’t put it off any longer because there is a huge cost in waiting. Time is our most valuable asset as well as our biggest liability. Due to compound interest of returns over time, essentially the more time you have or the sooner you begin to save, the less it will cost you to achieve your financial goals.

Find a trusted and competent advisor to help you with your financial planning. Google makes it very easy to self-educate, so I am sure that most of us are well capable of doing our own planning. One of the biggest reasons that I recommend you leave it to a professional is that we all have emotional attachments to our money, believe it or not. When it comes to money most of our decisions are made based on emotions and feelings, rather than logic. I have found it to be very helpful to have a fellow colleague as my advisor even though I am in the profession as well. It gives you someone to hold you accountable and to help take out the emotions to make sound financial decisions.

This is my last bit of advice and what I believe will catapult your finances to new unseen levels; pay God first. First and foremost, even before you save or spend, pay God what is due to him. As a devout Christian, I believe that being a faithful tithe payer is imperative to our financial success. With EVERY increase the bible says to give10% to the house of the Lord. In fact it is one of the few areas in our lives that God says “TEST ME!” (Malachi 3:10).

Financial Post

Questions & Inquiries

Laud K. Anderson

Website: Laudanderson.nm.com

Email: Laud.anderson@nm.com

Phone: 732-310-6697

Pray, Plan, Persist

Between The World And Me, And Every Other Black Man.

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More times than others, I read books that compliment my moods. If I am happy, I will not even think to touch a Toni Morrison, but rather consider some work from Maya. When I want to feel hopeful, Ill grab Zora Neale. And on a rainy day, shade is usually being thrown from Richard Wright and Audre Lorde.

But I didn’t get a chance to choose this book, it just happened. And I realized that I not only read the book at the right time, but so did everyone else. And that was because we had no choice.

I took my seat on the Ta-Nehisi Coates’ bandwagon and I don’t think that I will ever get off. In fact, I might have to bully someone for their front seat  because his new book, Between The World and Me, helped heal my temporal fury.

The overall purpose, a letter to his son, was more than I can bare. The thought of constructing a letter that contained all the problems to Black male existence and not even giving a solution, because there is none that you can possibly provide, shows me all the revolutionary steps needed in the awakening  process.

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The idea of the body; existing physically, biologically, politically, and socially, was extremely necessary to digest. The consequences of not living  causes disembodiment. Both self-inflicted and inflicted, in which you have no control over. The tennis game of Coates analyzing his manhood versus raising a child to challenge manhood was extremely striking.

And the responsibility of mustering up a narrative that share Black America’s grief has already been acknowledged by one of the finest American writers ever, Toni Morrison.

‘The modern-day James Baldwin’ comparison straps this author with an extreme high award of valor, because someone has to fill the shoes. And Coates, with his blunt references and his bold opinions does nothing less than remind you of our Uncle Baldwin himself.

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This is no ordinary book review, because this is no ordinary book. I usually include fancy quotes and witty remarks, but it is nearly impossible to choose quotes that are more important than others.

I found myself in a salsa of emotions during my time reading because it is reflective of the current happenings in the world. This book does not put you in some kind of fairy tale land that you are able to get away from once you close the book. The reality is, the book is just as dark as the world we share.

Go ahead, it is safe to pick up.

Book Review: Our Black Year.

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“..because you are dealing with a Black people who are inflicted with their own sense of inferiority.”

Maggie Anderson tells us the small story of feeling frustrated about the economic conditions of Black people. She wanted to make a change. And she did. Deciding to take a huge risk with her family, The Andersons decided that for the next year they would only purchase and support Black businesses. What does that look like? How is that even possible? Our Black Year is the record of their results. Her findings are not only ludicrous, but they also shed light to the biggest elephant in the room: Black people lack capital, which correlates to the oppression that we suffer from every day.

It is obvious that when we need to think about the Black dollar, and how much we are suffering from the lack of investing in our own products, businesses, and communities. This book proves that we have a stronghold on spending power, yet we barely own anything. Strange, right? We have the power to keep designer brands and corporations in business, yet we can’t find ways to fund our own businesses properly.

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Things like leakage, gentrification, urban planning, impoverished neighborhoods, and domination of other ethnic businesses are all discussed in the book for the plight of economic empowerment.

To sum, a very impactful paragraph slapped me in the face:

“These cold realities – that buying from businesses in Black neighborhoods doesn’t necessarily work, that so few Black-owned establishments have shortcomings—become clear in the early days of The Ebony Experiment. Uncovering the reasons why [the experiment] would take longer.

Despite a few points of privilege that needed to be checked (in my copy of the book, I definitely marked and scratched a few of her ideas) Maggie’s experience of simply buying Black for an entire year was filled with many emotional, physical, and mental roller coasters.

With dense research and great references, it is clear that Maggie finds herself torn between the facts and her actual opinion. I noticed that many of her personal statements were contradictory towards the facts that she presented about the state of the Black community and the lower class. I think this distinction is also important in understanding how people can disagree with the how’s and why’s of our institutional state of, well, lack.

I won’t give too much of the book away, because I am URGING folks, as usual, to begin to think about their financial future. This book is definitely a great start to begin to get your mind going about the economic state of the Black community.

Gonna leave you guys with one more gem:

“How will history view this generation of African Americans? Will they say that we had it all, that we made headway in corporate America and in the legal and educational arenas, but we earned our individual success and left our neighborhoods for disrespectful outsiders to raid? Will they say that we sold our history, potential, dreams, and destiny in exchange for the comforts of suburban life, shunning our own entrepreneurs and professionals, and treating them with condescension? Did we squander our chances? Fail to deliver on so much promise?”

Happy reading!

The Music & Metaphysics of Sun Ra

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Sun Ra, the “godfather” of Afrofuturism in music and pioneer of the genre “free jazz,” is in a league of his own. His large body of creative work and personal style speaks directly to the souls of Black folks everywhere, seeking to use art as a platform for Black liberation. With the help of his Intergalactic Myth-Science Solar “Arkestra” (see: band), Sun Ra used free jazz, old Egyptian symbols, and “far out” ideologies concerning the state of Black identity in his 1974 film “Space Is The Place,” which is a total embodiment of what Afrofuturism is all about. Through his eccentric costumes, Afrocentric radical thought, and almost incompressible “transmolecular” sounds, Sun Ra takes his followers on a journey of “imagining possible futures through a Black cultural lens.” (Ytasha Womack)

In the film “Space Is The Place,” what first catches the eye of viewers is Sun Ra’s stand-out appearance. This alone speaks volumes for the energy this man brings through his artistry. By looking at him dressed as the Ancient Egyptian god Ra, you’re immediately taken back to a time when Black ruled the world. Sun Ra’s alternate universal appearance brings the past and possible futures to the present in an attempt to spark both memory and possibilities into the mind of Blacks here on Earth. The film begins with Sun Ra descending from space in spaceship which unifies with the yellow cape and Sun crown worn atop his head. At first glance this is both shocking and exciting for the viewer. His style, in my own words, can be best described as ancient Egyptian Pharaoh meets futuristic space alien. He is clearly not of this planet, as he won’t let us forget throughout the remainder of the film.

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            Sun Ra totally rejects Earth as his home. In an attempt to escape the rigidness of racist white supremacist societies and the many stereotypes forced upon him and his people, he takes the form of an intergalactic god. Bound by no definition or ideology that isn’t his own, he returns to Earth to square off with his arch nemesis “the overseer,” who is an amalgamation of Black archetypes, specifically the Black man as “pimp,” which were commonplace in most Blaxploitation films during the movie’s release. Sun Ra’s god portrayal was an alternative challenge to this archetype. He rejected racist white lens of his Black being and defined himself as “the altered destiny; the presence of the living myth.”

In addition to a bold, eccentric, style and an autonomous definition of self, Sun Ra’s main goal while on Earth was to free those “ghetto” Blacks who couldn’t escape the many labels they were caged by. He teleported into a recreational room filled with “good time” Black youth in an attempt to reach them by countering their accusations of him as “unreal” by confirming:

I am not real, just like you in this society. You don’t exist. If you did your people wouldn’t be seeing equal rights…You’re not real. If you were you would have some status among the nations of the world. So we’re both myth’s…I came from a dream that the Black man dreamed long ago. I’m actually a present sent to you by your ancestors.

In this message to his people, Sun Ra forces the youth to think critically about their place in society. He challenges their ease in the identities bestowed upon them by the white man and urges them to be the natural creators they were born to be. In a sense he is saying “you don’t matter here, on this planet, anyway, so why not be whatever you want to be.” This stream of afrofuturist thought is one of the most standout scenes in the film, for it is the crux of Sun Ra’s “job” there on Earth.

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            Sun Ra’s music, much like the language he uses throughout this film, is seemingly nonsensical. He continues the traditional use of coded language Blacks have used for centuries as a tool of communication and survival in order to confuse the listening ears of slavers and government agents looking to infiltrate any plans of liberation. One could describe the sounds of his free jazz genre as purely improvisation. He seems to make up notes and sounds and compilation of the two as he goes along to make the statement that as a free Black, not bound by Earth, he can do as he pleases and present himself in his own choice. Likening himself to the wind, viewers can better grasp the radical essence of Sun Ra’s artistry when he makes the powerful statement of “I, the wind, come and go as I choose, and none can stop me.”

With such powerful messages from both past and the future, one begs the question of where an artist like Sun Ra emerges from. From my viewpoint, he is afrofuturism in the flesh, in that he lives and breathes this “kingdom of darkness and Blackness [where] none can enter except those of the Black spirit.” A kingdom where “nothingness” and boundless sound waves reign supreme in a land, similar to Kemet, where Black is free to just be.

Watch the Brilliant film below to get a better understanding of the “other world” in which Sun Ra dwells:

“All About Love: New Visions” (bell hooks) Final Discussion

Hello everyone! Thank you soooo much for participating in our previous discussions on bell hooks’,  All About Love! This space is solely created to get in depth with the final portion of the text. On twitter, we usually send out a series of tweets tell you how we feel about the book, but we never really get to know what’s going on in your head too much. So, we want to try something a little different. We are going to pose a few questions about the book to start the discussion off, but we want all book club participants to get the discussion rolling and connect with each other! Answer a question, comment on an opinion, create your own question, do it all!
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Questions to ponder:
Chapter 9: The Heart Of Love
-Hooks discusses the idea of “privilege of power” through the patriarchal system. In what ways does patriarchal thinking affect both men and women in relationships? Have their ever been a time when you felt that a relationship was hindered because of a reflection over power or control?
“To know love we must surrender our attachment to sexist thinking in whatever form it takes in our lives.”
Chapter 10: Sweet Love
“Sexual pleasure enhances the bonds of love, but they can exist and satisfy when sexual desire is absent.”
How do you feel about hook’s strong statement? How can this be applied to the normalcy of casual intercourse?
Chapter 11: Loving into Life and Death
“All the worship of death we see on our television screens, all the death we witness daily, does not prepare us in any way to face dying with awareness, clarity, or peace of mind. “
We never really talk about love and how it correlates to death. So how did this chapter show realization to your personal lost loved ones and the fetish that our society has over death?
Chapter 12: Redemptive Love
Probably our favorite chapter, learning how to heal a broken, misused heart to love again.
“No matter what has happened in our past, when we open our hearts love we can live as if born again, not forgetting the past but seeing it in a new way, letting it live inside us in a new way.”
What stuck out in this chapter for you? What have you learned about redeeming your own past for your own hearts sake?
Chapter 13: When Angels Speak of Love
Love and spirituality: How can those factors relate to each other? And more importantly, why is love the central commonality in all spiritual intents and religions?

Feel free to answers the questions or post final thoughts on the book in the comments section below or tweet them to us on twitter! (@AfroMadu)

Restoring Your Chilly Season!

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I always find that the colder seasons allow me to reconnect with my purpose in life. I mean, I’m not able to sit on the beach or be outside as much, so I am now reluctant to be faced with, well, me. And it is clear that everyone can relate.
During this reflective time, following a  few guidelines in making sure that my hibernation season is effective as possible. Here are some tips:

 

1. Self Empow. 5Saving money: Although the holidays are quickly approaching, we want to remind ourselves that although we want to spend uncontrollably for our loved ones, they will still love us the same if we bought the 16GB IPhone instead of the 32GB. Becoming more knowledgeable about money and learning how to save more, invest more, and ultimately make more, is always a good skill to rely on. Besides, who wants to be broke anyway? Getting an upper hand on your green by learning some things during the fall and winter time. And stay tuned on our site, we might even help you reach your financial success!
2. Cleaning house: Yup, Exactly what I meant. Your space. It’s getting colder now, who wants aSelf Empow. 2 cluttered space? Take a weekend (or two) and begin organizing, disposing, and rearranging things in your home, room, car, office, etc. It pays off to have a clean space, especially when you feel that life is cloudy and cluttered with mental and even physical THINGS. Control what you can and CLEAN HOUSE! Trash things that you don’t need, organize things that you do need, and you will thank us later! De-clutter that mind and embrace your hibernation season with a little winter cleaning.
3. Self Empow. 3.Recovering connections: Even though it is cuffing season and everyone wants to call and remember the old friendships and old flings that was once started, it’s always best to reconnect with old, GENUINE, friends and family members that you missed during the summer nights with friends or loud music at concerts. Recovering connections can also allow you to get in conversation about things you would have never talked about through the basic text message or the small comments on Facebook and Instagram. Get creative with reconnecting! Have small get-together or coffee dates with the VIP’s in your life and reconnect! You will be amazed at the relationships and friendships you will make.
4. Self Empow. 4Becoming productive: With all this extra time on your hands, you can always do a little more with your productivity. Digging deep and finding that special hobby that you once loved will be great during this cold season. Whether it’s curling up with a good book, writing your life away, cooking up good eats, or even that blog site that you never get to, do it! It is never too late to catch your forgotten hobbies. Being productive with the things you like to do will only cross some things off your mega to-do list, but it will also bring you that inner happiness that is comparable to those warm, eventful summer days.

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5. Having Fun! There’s nothing like having a boring chilly season. Being bored AND cold is not too much fun. Just remember that although the warm season is months away, use this time to find your inner peace and happiness.

What’s Going On: A Glimpse of Black Consciousness and Reflections on Ferguson

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The story of 18­-year­old Mike Brown is a story our community knows all too well; Rodney King, Trayvon Martin and Eric Gardner are names of only a few victims who have gained national attention. Little to nothing has changed over the course of the years. It is disheartening to say nothing has no action has taken place over the course of the last few months in the Mike Brown case. Racism is still very much alive and martial law has become a reality in our country. As a response to the resistance in Ferguson, Governor Jay Nixon of Missouri has declared a State of Emergency and activated the National Guard in anticipation of civil unrest. The FBI expressed
concern for the Ferguson Decision and explains that it ‘will likely’ lead to violence, which would
seem to be a very valid claim since the the governor is sending an aggressive message.

Just last Wednesday, November 12, the parents of Mike Brown, Lesley McSpadden and Michael Brown Sr., spoke to the United Nations Committee Against Torture in hopes to receive assistance in the matter. But, despite the fact that people from around the world have rallied and protested around the events in Ferguson, the United Nations has denied any type of intervention. Lesley McSpadden and Michael Brown Sr. have expressed that the received no answer and no remorse from the committee.

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The murder of Mike Brown has left our community devastated by the harsh reality that we, as a people, are still very much oppressed by the system, and police are not here for the benefit of the Black community. There are too many instances of profiling that have led to be fatal. Malcolm X once declared “our right on this earth…to be a human being, to be respected as a human being, to be given the rights of a human being in this society, on this earth, in this day, which we intend to bring into existence by any means necessary”. It is through the unification of our communities that we will find our strength to rise above such tragedies. Mike Brown is one of many, Black men face more fatalities now than they did during the times of lynching. So what can we do to save us? The case of Mike Brown is not only a case of racism, classism, but it is a case of human rights. We all have the divine right to life and happiness.

So what will you do to protect yours?

Stay connected! As we would try to bring you the latest from Ferguson and the verdict of Mike Brown’s shooting.