96 Month Auto Loans

While financing a car for 7 to  8 years may save a few bucks on your monthly budget, some think it to be one of the worst financial decisions you could ever make.

“You will be under water on your loan almost as soon as you drive the car off the lot,” says Alec Gutierrez, senior market analyst for Kelley Blue Book. Clark Howard agrees and suggests a car should be financed no longer than 42 months.

Read more of what experts are saying:


3 Surprising Foods Kids Should Not Eat This Summer…


When little ones are running around and playing outside, they’re active under hot conditions.

Hot Dogs are stocked with saturated fat, which is a factor in causing heart disease, even in tiny tickers.One study found that children who eat more than 12 hot dogs per month are significantly more likely to develop childhood leukemia

Pepperoni Pizza There are saturated fats and dehydration-promoting sodium, about 700 mg per piece. Kids need only 1,000 to 1,300 mg per day.

Ice Cream Depending on the brand, a one-cup scoop of plain vanilla ice cream contains more than 400 calories and 40 grams of sugar.

Healthy Alternatives

Add Spice to Your…..


Is drinking water a daily chore for you? BlackDoctor.org suggests ways to jazz up the taste…..

Add lemon and for detoxDrinking glass 00118.gif
cherries for flavor
natural(no sugar) fruit juice for vitamins and antioxidants
fruit for fiber
tea for detox, relaxation and antioxidants
soup for vitamins, fiber and protein
add bubbles for minerals…

“The Door” directed by Ava DuVernay

DuVernay’s sharp cinematic eye and a star-studded cast coupled with the covetable Miu Miu clothes displayed throughout the 9-minute production and you’ve got yourself a cinematic masterpiece.

“In the film, characters arrive at the door of a friend in need, bringing something of themselves,” DuVernay explains. “Eventually, we witness our heroine ready to walk through the door on her own. The door in the film represents a pathway to who we are.”

Do You Want to Be a Millionaire…?

ImageDennis Kimbro, a professor of business at Clark Atlanta University, spent seven years interviewing millionaires for his book: “The Wealth Choice: Success Secrets of Black Millionaires.” These folks included filmmaker Spike Lee; Bishop T.D. Jakes; Cathy Hughes; and Gregory B. Levett, the owner of four funeral homes in the Atlanta area. 

What millionaires have in common: They made a conscious decision not to be poor, and at one point in their lives, they could have all been classified as poor. I can tell you unequivocally that wealth is not a function of gender, it’s not a function of race, it’s not a function of conditions or circumstances, and it’s not a function of how the cards were dealt. Wealth is a function of choice. It’s a function of decisions. It’s a function of effort. It’s a function of faith.

What makes them different from the rest of us: They want to make sure their savings and investing makes them comfortable in life. There’s no beating on the chest for these men and women. They’re so thrifty and frugal. The average black millionaire has less than $2,500 in credit card debt. When I asked, “Outside of your mortgage, how much do you owe?” the answers came back less than $10,000. Twenty-five percent use coupons. The lesson here is that you can’t build wealth if you’re spending. Money isn’t what you earn, but what you keep. 

To read the entire article go to:


You Can Eat Healthy on a Modest Budget

A lot pf people profess how they want to eat healthier, but ‘it’s too expense and they can’t afford it.’  The USDA did a study last year that, they say, tImageakes that excuse off the table. 

Concannon said the study shows that carrots, onions, pinto beans and mashed potatoes are all less expensive per portion than ice cream, sweet rolls, pork chops and ground beef. In fact, protein foods and food high in saturated fat, added sugars and sodium were all more expensive than fruits, vegetables, dairy and grains based on these methods.

“This is great news for all getting by with a limited food budget,” he said. “You don’t have to compromise good nutrition.”

Ines Subashka, certified personal trainer, believes eating healthy is about satisfying your bodies need for energy and nutrients as opposed to your mind or emotions which often leads to eating more.  Some healthy items can be more expensive but you will need smaller amounts, which compensates for the price. Healthier foods satisfy the body longer than processed or unhealthy foods.

Some of the inexpensive healthy foods include:  brown rice, eggs, chickpeas and lentils, bananas, oats, russet and sweet potatoes, canned salmon, canned tuna in water, canned tomatoes, plain yogurt  lean beef, fresh bagged spinach, frozen veges and whole wheat breads or pastas.

Diane Carbonell blogs about her experiences on the journey to lose 150 lbs. She says, “I didn’t value the fruits and vegetables as much as I did the junk.  The junk was fast, available and made me feel good when I ate it.  The fruit was fruit.  Salad was salad.  It had no pizzazz and I gained no emotional comfort from eating healthy food.  I wanted junk and junk I got. I used money to justify my bad choices, when in reality I was spending much more than I needed to buy purchasing foods that weren’t healthy.”

The next you grocery shop, do some comparing and challenge yourself to buy fruits instead of cookies and ice cream. Also make a list with this new mindset and stick to it! Pay attention to the setup of the store. Some suggest that the outer perimeter includes the healthier food choices while the inner isles have the less nutritious stuff… 

To a healthier you…..



Single Ladies on Valentine…

Single on Valentine…Here are a few ways to LOVE yourself as suggested by Tonya Pendleton of Black America Web:

Go out with the girls…..enjoy singles events or somewhere to have fun!  The idea is to go out and have a good time that is not based around finding someone but just having fun.

Send Yourself Flowers…Your secret admirer is you!

Pamper Yourself…Go get your hair done, or get a mani/pedicure.  Take a nice, long, hot bubble bath. Play some music that makes you feel empowered and remember that taking time for yourself, especially if you have children, is essential for you and your family’s well-being..

Spend time with Loved Ones…A Valentine doesn’t have to be a man. It could be your kids or your favorite niece or your mom or dad.

Avoid Envy…Instead, find a couple to be your mentor, whether they know it or not. You attract what you are, so improving yourself is one of many good ways to find the relationship you desire.

Get Ready for Love…Rid yourself of any anger and hurt from previous relationships.  Love starts with you!

Happy Valentines Day Ladies….