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?

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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…

Why Yet? Why not?!

Hello. I am Why Yet and if this is your first visit, welcome to my little slice of blog-dom. A little about myself. This is not my first blog, but this is the first blog I have semi-planned out how I want to manage my posts and ideas. I am a mother, a poet, a hopeless romantic with a dirty mind – which comes in handy with the poetry writing… I love seeing people set goals and reach them. Happiness and excitement is contagious. I am a crafter – I knit and I crochet. I may post about those later should the mood suit me. I am an Aquarius! I can’t leave that out so should my thoughts branch off at rocket speed, you know why, lol. I love a good book. The genre doesn’t even matter because I read romance, urban romance, science fiction, urban street, horror, mystery… but I digress.

This post is more so a reminder to myself and to you to remember to live life and not just exist in it. Especially with the soul-journey I am currently on that inspired my new collection of poetry, Reflections: Past, Present, Future (coming June 2018). So many times we get wrapped up in our daily responsibilities that we forget how to enjoy life, like a child. I am an avid Pinner. I lost count of how many boards I have on Pinterest but I know my pins are in the seven thousands. I have come across so many great ideas on Pinterest! The courage to forego searching for someone to employ me and create employment for myself came from quite a few suggested pins for work at home opportunities. And I truly do want to live, not exist.  I named this blog Why Yet’s Words to be that constant reminder to live and speak up in life. I almost named it Marki’s Bliss. Some of you may be thinking what is bliss? If it’s that good how do I get some? First let’s go to the source (by the way I am a word nerd so definitions and such may appear from time to time):

BLISS

  • Supreme happiness; utter joy or contentment ex) wedding bliss. *courtesy of dictionary.com*

Have I discovered my utter joy or contentment yet? No, but I am working towards it. I am learning to follow what makes me happy (as long as it doesn’t hurt others in the process) and I love making pretty things that are useful. I enjoy creating beauty and sharing.

My goal is to reach that point of utter joy AND contentment. Why does it have to be either or? I want it all. So buckle up and enjoy this journey of growth with me and in the process I dare you to search within and discover your bliss. What does your heart truly desire in this life?

National Women’s History Month

March 1st. The beginning of our month long celebration of women. I could rattle off a list of names from the history books but we, as women, should be bold and brass enough to celebrate ourselves as well. I am all about giving kudos to those who paved the path I now tread but I want to begin this month respecting my beginnings.

This month I want to honor the fabulous women who have helped shape my life with the very essence of theirs, starting with my mother. The most influential woman in my direct life. Words cannot express how thankful I am to have you in my life.

My mother raised five children, on her own, in the heart of a tough North Philadelphia neighborhood. Throughout the 80s and 90s she ran her home with a precision that would be considered extreme by today’s moralless standards. She understood how dangerous the streets could be having come of age in the gang-run streets of Philadelphia in the mid- to late 60s.

During a time when women and children were to be seen and not heard, my mother was outspoken, speaking up and standing up for what she believed in. Many times incurring the ire of my grandmother. Being raised in the South during the aftermath of the Great Depression, my grandmother’s reaction was to be expected.

Not one to give in to someone else’s idea of how she should live her life, my mother made ends meet selling dinners from our home until the last of us was school aged. Instilling in us early on the importance of going to school everyday sparked my love of learning.

Thank you mom for being the phenomenal woman you are. You are more than just a woman. More than just my mom. You are an inspiration to many through your perseverance.

Which woman inspired you to become who you are today? Leave a thank you for them in the comments.