Thursday, March 27, 2008

Are you a slave to debt?

Are you a slave to debt?




If you do not know what is on your credit report, then you do not know if you are debt slave or not. Harriett Tubman knew it was impossible to free slaves who were not aware that they were indeed slaves...



Far too many in our community ignore the cost of debt and the calls of debt collectors. Money management or money mismangement is the legacy we hand to the next generation. Our children learn their fiscal habits from us. They are aware of our habits of shuffling cards, ignoring and blocking calls, and stacking mail we have no idea of how to or intention of learning to deal with so we can live in peace.



Many of us assume since we do not make a lot of money there is nothing that we can do. That is not true. We can to small but regular steps to establish money management skills that will improve our sense of physical well being and our fiscal health.



One suggestion I make to kin and friend is to check their credit reports each year as they prepare their tax returns. Thanks to legislation we are able to obtain one report that is aggregated from all three major reporting agencies annually. Apply tax refund, job bonuses, or raises towards paying off lingering debt. If you find errors invest the time to contact the credit reporting agency and the creditor and identify the error with as much detail as possible and ask for a correction. This annual check up is a good basic step. Click here: AnnualCreditReport .



Once we have our debt diminished we can become investors and savers which empowers us to become independent in pursuing our dreams and helping others.



Know what is on your report. Know where your money is being spent. Know where your money is invested. Knowledge is power. Know who to turn to for help and knowledge as you learn to become a money master rather than living as a debt slave!



I freed a thousand slaves I could have freed a thousand more if only they knew they were slaves." - Harriet Tubman

Wednesday, March 26, 2008

"I come to this with a lot of interesting talents..."Mrs. Michelle Robinson Obama


"The double jeopardy of being black and female in a racist and sexist society may well make one less afraid of the sanctions against success. A non-subservient black woman is by definition a transgressive- she is the ultimate outsider." Mamphele Ramphele


Michelle Robsison Obama is leading the way in demonstrating how we, citizens of the United States, can best advocate and support Barack Obama's pursuit of the presidency. She has no example or role model to which she can look or cull wisdom borne of their own experience.



Michelle Obama has opened her marriage, family, and life to America; for the future of our nation she has put aside her immediate life: career, volunteerism, and personal interests to invest herself in the democracy of our nation and future of the global community. While maintaining a loving supportive partnership with her husband in parenting and politics she has enthusiastically greeted supporters, staunchly listened to and graciously responded to critics, and managed to maintain a smile that reveals a sense of peace that comes from being grounded in faith.



Michelle Obama has refused to ignore the challenges that come with gender and racial bias; she like her husband have broached the topics that divide us in an endeavor to unite us. Political foes have called the Obamas delusional race baiters and others have ridiculed them for having delusions of unity in the midst of diversity. Yet, Michelle Obama has risen day after day to continue teaching us that we must dialogue even when others dismiss our ideas and ideals.



We really are 15 countries, and it's remarkable that each of us thinks we represent the real America. The Midwesterner in Kansas, the black American in Durham - both are certain they are the real American. Maya Angelou



Michelle Obama has endured the skewering of her pastor and husband. Pundits assert only neglectful or worse parents would have exposed their children to the remarks of their pastor and the reaction of some of the congregants. God bless Michelle for having the courage of her convictions and daring to teach her children to be Christian is to be informed and involved. Yet, Michelle Obama has stood with her husband and continued their efforts to win the nomination of the Democratic Party with integrity. The continued strenth of character exhibited by Barack Obama is the result of a loving, prayerful, compassionate, and intelligent wife who not only shares his vision but has the gifts and talents to support the vision of Barack while working to manifest her dream of an America that will see her daughters more clearly than it has ever seen their dear mother or our brave foremothers.



Michelle Obama understands that to be an advocate for women does not mean she is an enemy of men. Likewise, to share her perspective on the reality of racial and gender relations in America is not refusing to acknowlede and honor the racial and gender equities that have been achieved by persons uniting into movements to create a more perfect union. She has taken this season of politics to give us eudcation on what has been, what is, and more importantly what can be America. If it is beautiful, is up to us.




Anything that is as old as racism is in the blood line of the nation. It's not any superficial thing--that attitude is in the blood and we have to educate about it. Nannie Burroughs




Michelle Obama epitomizes the greatness of America. In this nation that is a union of fifty states, comprised of innummerable ethnicities, multiple socioeconomic conditions there is the beauty of potential. Opportunity is not always equal, life is not always fair...and yet in this young nation that has changed so much and often by resistance, revolution, protest, movements, and people banding together to overcome the shortcomings. While our nation was created with documents that were based on the Magna Carta those documents marginalized women and minorities; through amendments, legislation, and other tools of modification we have dared to envision a more perfect union throughout our history. Let us be mindful to protect the freedom of speech, including Michelle Obama's right to freedom of speech. We are the land of the free and home of the brave...America can withstand self-examination, questions, critiques, doubts, fears, lamentations. Michelle Obama is but one shining example of the possibility of our citizens to move from marginality to marvelous.




The fact that the adult American Negro female emerges a formidable character is often met with amazement, distaste and even belligerence. It is seldom accepted as an inevitable outcome of the struggle won by survivors, and deserves respect if not enthusiastic acceptance. - Maya Angelou




Michelle Obama...I can only speak for myself; I am a Black woman, I am educated, I am a mother of sons and daughters, I am a Christian, I am a registered voter, I am a wife, I am a sister, and much more. With all that is within me as an American, I say to you "asante sana!".

Saturday, March 22, 2008

The March on Washington for Jobs and Freedom

"If we accept and acquiesce in the face of discrimination, we accept the responsibility ourselves and allow those responsible to salve their conscience by believing that they have our acceptance and concurrence. We should, therefore, protest openly everything ... that smacks of discrimination or slander."
Mary McLeod Bethune

The International Day for the Elimination of Racial Discrimination is observed annually on 21 March. On that day, in 1960, police opened fire and killed 69 people at a peaceful demonstration in Sharpeville, South Africa, against the apartheid "pass laws". Proclaiming the Day in 1966, the General Assembly called on the international community to redouble its efforts to eliminate all forms of racial discrimination. Racial discrimination is alive and permeating the global community. As an Black citizen in the United States of America, I am concerned with how this nation is upholding, advocating, and supporting racial equality and eradicating racial injustice within our socioecnomic sytem. A review of the United Nations assessment on America's progress in this area reveals that this nation is not yet brave enough to take the steps necessary to create a nation that is truly the land of the free. Read and review for yourself at United Nations web site.


Racism in America is not resolved because we as a nation refuse to come to the table and look at the historic development and present sustainment of racism. An honest dialogue cannot be had when the terms are pre-defined and the outcome pre-determined. We must be willing to remove all vestiges and verbage of discrimination. We cannot hold ancient documents more precious than human dignity. America needs to form a Racial Repentance and Resolution Forurm. This body would begin the endeavor of creating a more perfect union by having founding documents of colonialism and racism removed and call for the drafting of documents that create a society that is not built on racism or patriarchy.


The uplift of women is, next to the problem of the color line and the peace movement, our greatest modern cause. When, now, two of these movements-woman and color-- combine in one, the combination has deep meaning. WEB DuBois

Continuing to add to documents that were wretchedly and patently discriminatory in their creation does not transform those documents to egalitarian. We cannot recreate using the same pathetically flawed reason and expected to reach conclusions that will be reasonable and right. In America in the new millenium Blacks experience disparity is social and physical ills. Our generations suffer from Post Traumatic Slavery Syndrome, and Racism Denial Disorder to the point that even some Blacks have begun to believe the delusions fed to them by mainstream media and society. Sadly, some of us have become so desensitized to the vernacular of racist code that we do not recognize or translate the meaning.


For example, the encouragement for Blacks and other minorities to adopt and adapt to 'American Values' = Assimilate. There is also a faction of Blacks refusing to assimilate who are just as toxic because they want to hold the community of Blacks hostage to the past and demand that we as a race stagnate. These confused souls want us to hold on to the dear and departed leaders and their practices as if there is no possibility of new generations bringing forth dynamic, intelligent, and focused leaders for the present. We honor the past; however, we must embrace, uplift, support, and respect those rising from our communities to lead our community beyond the point that Medgar, Malcolm, and Martin left off -- far too early.


Our children are more likely to experience incarceration than education, our health is impeded by capitalistic system that denies health insurance by sending our jobs overseas or refusing to create jobs with living wages and benefits in our own nation. Our communities suffer economically and ecologically as businesses flee the urban core leaving huge plants and waste in our neighborhoods and our people unemployed.

The March on Washington for Jobs and Freedom took place in Washington, D.C., on August 28, 1963. What will we be doing forty-five years later...August 28, 2008?


The revolution is at hand, and we must free ourselves of the chains of political and economic slavery. The nonviolent revolution is saying, "We will not wait for the courts to act, for we have been waiting hundreds of years. We will not wait for the President, nor the Justice Department, nor Congress, but we will take matters into our own hands, and create a great source of power, outside of any national structure that could and would assure us victory." For those who have said, "Be patient and wait!" we must say, "Patience is a dirty and nasty word." We cannot be patient, we do not want to be free gradually, we want our freedom, and we want it now. We cannot depend on any political party, for the Democrats and the Republicans have betrayed the basic principles of the Declaration of Independence. Martin Luther King 8-28-63