Happy New Year!

20181222_1721172019 is in full swing. It has been quite some time since I have posted and for good reason. Many changes have occurred and are occurring. Isn’t that always the case with the New Year?

As in previous years, I have chosen to set goals – not resolutions. For me goals are more solid and once I set my mind on what I want to accomplish for the year I’ve noticed people and situations arise to assist in completing those goals.

This year started with a nasty government shut down and R. Kelly. What a combo of distractions. With R. Kelly many people don’t realize this behavior touches a nerve because too many of us have family members like this that we are ashamed to admit to having. In researching my family history I have discovered molestation and rape of family members. These stories are tucked deep and anyone who dares to shed light on them will incur the wrath of the elders in the family, not to protect the innocent but to protect the perpetrators, out of fear of the family being publicly shamed.

No healing can come from shaming the survivors and protecting the abusers. This behavior only ensures that the energy continues through the family lineage. Genetic memories hold all of the happy and sad moments in our lives. Tragedy and trauma affects us down to our DNA, that is why PTSD is so widespread amongst veterans, crime victims and survivors of natural disasters.

With this government shutdown it is appalling that one individual is allowed to hijack the country and essentially hold it hostage until demands are met. That is unconstitutional. Period. Our elected officials are failing to reign the president in. But again each day is a new way to start anew.

The beautiful fact of life is that with a new day and a new year we can make new choices. That is what this new year is about – making new choices to change what we don’t like into what we do like. My goals this year include me trying new things and further stepping out of my comfort zone. What new choices are you making for the new year?

Income Protection

I missed a Friday or two. Sometimes life shows up because she never stops. I am learning and growing as I am teaching. The best way to solidify what you are learning is to teach it to someone else. Have you ever heard of income protection? Did you know you can calculate your income protection number? Do you know what your income Protection number is?

Income protection is the amount of life insurance or assets an individual needs to cover any potential loss of income due to the unexpected death of the primary (or sole) income earner so the survivors can be financially sound until the youngest dependent is at least twenty years old.

You can have your income protection number (IPN) calculated by a financial coach or advisor. If you do not have one or do not know where to find one, comment below. Don’t forget September is Life Insurance Awareness Month. “Friends don’t let friends go without life insurance.” – unknown.

Financial Fridays – Life Insurance

Many people are suspicious when they hear life insurance. Images of sheisty salesmen similar to the car salesman that will sell you junk at a high price comes to mind more often than not. Before I dispel some of that information I want to share that it’s Life Insurance Awareness Month. I just found out it’s a thing yesterday.

I’m glad it is a thing because we need the facts on life insurance so we can make educated decisions when (not if) we purchase life insurance. Note to the hecklers, life insurance is least expensive when you’re young and healthy.

Many people mistakenly purchase life insurance believing they only need enough for burial. When the idea of life insurance came about there was no such thing as funeral expenses. Life insurance was created as an income replacement in the event the husband died unexpectedly. The widow left behind doesn’t have to work and can still manage the household and child(ren) without becoming destitute.

How many of you have insurance on your electronic devices? Why do you insure objects? For those of you with some life insurance: are you fully covered or covered enough to get buried? Would you underinsure your home? Would you underinsure your car? Why would you feel ok with underinsuring your life with too little or no life insurance?

To find out more or to schedule a free consultation comment with your email address.

Financial Fridays

Good morning! Happy Friday! Happy end of summer (maybe)! Happy back to school! Happy end of August!

I haven’t been on in a while because I have been learning so much these past 8 weeks I am near bursting with wanting to share it all. I am looking to shift gears in my writing here so just stick with me. Financial discussions have always been touchy where I grew up. All of the adults around me kept their finances a secret because of the idea that everyone was out to steal from them. Maybe that was true, maybe it wasn’t. I didn’t grow up during their era. What I do know is that those beliefs created behaviors that essentially crippled the financial growth capabilities of the family for several generations.

What I am starting with this post is a forum for financial education awareness. In order for us to discover a solution for the poverty and poverty-influenced thinking in our communities we have to first acknowledge the poverty that exists. Next we have to honestly face and openly discuss why the poverty exists. What behaviors are we performing and accepting that contributes to our poverty-mindset?

What behaviors can we shed to make room for new financial beliefs and habits to create the financial future we want? For more information, comment below.

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New Adventures Begin With You

Have you ever had an opportunity to do something or go somewhere and missed it because you froze in fear? It’s okay, because it happens to the best of us. I’ve had my moments. How I have been getting through some of those moments is asking myself, “How will I feel about myself passing up this opportunity?” Usually the answer to this question spurs me to make a decision and I am usually pleased with the outcome.

This past weekend was one of those moments. I’d found out about the Sistahs In Business Expo, in Philadelphia, on Thursday and according to the ticket site Eventbrite, Friday was the last day to purchase tickets. I was on the fence since the expo was Saturday. Then I saw Vivica Fox was going to be the keynote speaker! I knew not going would bother me like when I missed Gabrielle Union’s AND Jenifer Lewis’ book signings earlier this year. Bam! Decision made. I was going and bringing the little ones with me. This was a once in a lifetime opportunity.

So many entrepreneurs were in the building! It was beautiful and the energy was electric! My children didn’t fully understand the beauty they were submerged in, but as they get older and wiser they will. One of our highlights was not only getting a signed copy of Ms. Vivica A. Fox’s book but pictures with her as well!

Never give up on goals and aspirations you have for yourself. Your future self will thank you for it!

Self-Acceptance

The beginnings of July. The seventh month. For those who watch the celestial rotations, this month is powerful. Many believe the planetary alignments influence our behaviors and our beliefs.

I believe that subconsciously that could be true as I feel a pull on my spirit sometimes during full moons. I also feel the energy of a room when I walk into it letting me know if something or someone is “off”.

My greatest challenge is to listen when my spirit “pulls” at me. It is for my protection. Accepting that I can feel that pull is a sign that my intuition can be fine-tuned a little more enough for me to accept and utilize it. Self-acceptance is the key this decade. I am who I am.

Emotional Adjustments

My daughter graduated from kindergarten two days ago. I am a proud momma. It’s taken me two days to re-contain my emotions before I could write about it.

She’s my only daughter and the reality that she’s not a baby anymore is not lost on me. I look in her face and I see her infant face but I also see a younger version of myself.

She’s courageous and open-minded, curious about the world she lives in and (in a few ways) more bold than I ever was in speaking up and out about what’s going on around her. I don’t want to smother her or block her from exploring her own potential. The only way to grow into that is for me to explore my own potential more fully so as not to stifle hers. She is me 2.0. The upgrade. She’s in beta mode and I want to ensure she has every opportunity accessible to her.

So, I have quite a few emotional adjustments to make to myself. Recognizing the maturity in her (it’s a battle sometimes when my Aquarius clash with her Leo) is hard because I don’t want her to grow up too fast. *grabs tissue* She just left preschool last year and now she’s a first grader. Sigh…