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Showing posts with the label Finance

Time is Money

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Many aspiring entrepreneurs haven’t quite grasped this concept yet because they’re new to the whole idea of controlling their time. So, they undervalue it and allow others to underestimate it. Being an entrepreneur has many advantages, but it also has disadvantages. An advantage is that you’re able to take care of many errands during the day. However, the downside is that you have to remember to save time for making money and looking for other ways to make money. Entrepreneurs have to be innovators to stay ahead of the curve. So, we must always think outside of the box. For people that’ve worked 9 to 5’s, and have observed the many shortcomings of their employers, this is your chance to apply the correct methods to achieve your goals. Entrepreneurial Essentials 1)    No one can be an island unto himself/herself. So, one is going to have to form business connections. So, there’ll be some giving and some taking. Just make sure the relationship is mutually beneficial. 2)    Learn h

Roll-Overs

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Everyone should pay close attention to what I’m about to say. This is considered a complex maneuver in the financial industry—although it’s quite simple as long as you deal with experts. This is called a roll-over. To start, many people, nowadays, will work for 4-5 different employers throughout their working career. Moreover, it’s a good idea to invest in a 401K. 401Ks are employer-provided tax-deferred retirement accounts in which the employer usually matches the employee’s paycheck contributions to a stated percentage each pay period. Now, I’m currently doing a roll-over myself. When you leave a job and want to keep directly managing your 401K, and don’t want to leave it under the financial management of your former company’s financial institution, then you want to do a roll-over. Company-provided retirement plans can be seamlessly rolled-over into tax-deferred plans.  Update My rollover with through without a hitch. -Derrick Mills, 07/22/2018 1) Roth IRAs are tax-advant

Resume Reviews

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What's up fellow macks!   I've been getting a crazy amount of love for this post that teaches you how to skip the bullshit and get the DAMN job. (Shout out to everyone who hit me via private message asking questions.) This led to me dropping the full-length book on Amazon . Being able to help other cats get on their feet has been an enormous blessing for me. The book covers everything that the original post did--just in greater detail. It has a clear, concise step-by-step plan of action you can follow. I wanted to do more and, LITERALLY, show cats how using those same techniques I've used and talk about in the book could work for them too.  So, what did I do? I went to several forums and offered free reviews and modifications to people's resumes. Since United Players of America is the greatest of all-time, I wanted to make sure I made the same offer here. The only things I ask for in return are: 1.) That you let me and the forum know what happened when you

Never Ask for Things that you should be Given, Command Them

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This post goes out to all of the Aboriginal people in the diaspora. Many of us have a terrible knack for asking for things that should be given to us. I don't know when, but a long time ago, I broke that cycle.  For the longest, I haven't asked for things that should be given to me. I merely talk as if these things are already a given. Now, I'm going to give an example of a business negotiation that resulted in my company changing its compensation policy--at least for me. My company has a policy regarding its life insurance policies. It compensates the insurance agents via production-credits. The insurance agents get the production-credits--while the financial specialist receives the compensation. It doesn't matter if the insurance agent is licensed in life insurance as well. Now, how many aborigine people would take this policy as is? However, my personal constitution doesn't allow me to let people screw me out of money. So, whenever I'm presented a fishy d

WNBA: Wage Gap Problem

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Currently, a hot issue is the wage gap in the WNBA. These women have a right to be upset due to how low their wages are--compared to their male counterparts. However, their grievance shouldn't be with their male colleagues. Furthermore, they shouldn't look for the men to stand in solidarity with them. How often do we see women stand in solidarity with men--in regards to men's issues? Furthermore, the men of the NBA aren’t the ones that write their checks. That's the main reason why their grievance shouldn't be with the NBA players. Their issue should be with the WNBA owners that are underpaying them. However, taking to social media to voice their grievances isn't going to solve their wage gap concerns. This country was founded on slavery. Furthermore, throughout this country's existence, it has been plagued with having to combat labor unions. So, it's fair to say that this country doesn't believe in honest pay for an honest day's work. Unle

The Importance of Establishing Our Own Language

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This is a post that I’ve meant to make for the longest. This post deals, specifically, with establishing a code. The most crucial element of navigating White supremacy is our ability to communicate with each other without being censored. Furthermore, we need to limit hecklers and eavesdroppers as best as possible. Therefore, creating—or instead choosing—a different language to use amongst each other is essential. Now, it takes various elements of creativity to create a language from scratch. Moreover, I’m not equipped to do that. However, we don’t have to. Back in elementary school, I remember we had to learn Pig-Latin for a little bit of time. It was a very short duration for which we had to learn Pig-Latin. Moreover, after that small measure of time, I never had to use it again. However, in today’s times, using a unique language to encode our messages is more important than ever. Many notable YouTubers are routinely blocked for speaking unfavorable truths about the dominant socie

The Smash-mouth Job Search Guide

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As someone that’s worked since he was 16--and has held well over 30 jobs--I’ve seen everything in the book as far as jobs go. I've fried fish at Long John Silvers, shelved VHS tapes at Blockbuster (for minimum wage), worked for the top entertainment search engines (CitySearch and YellowPages.com), and I gained a security clearance when I was working for the Department of Education (at upwards of $80K a year). *Warning: Some of the stuff listed wouldn’t be looked at fondly by human resources managers if they knew you were gaming the system but we all need to eat and I’d rather see my people bend the rules than catch a case on some dumb stuff.* I’ve seen cats asking for interview advice before so here’s what I’ve done nearly word for word to get a job regardless of the industry and you can try it out for yourself to see if it works. 1. Resume My resumes have always been stark–no fancy heading or lettering; never on any bullshit colored paper either. Visit this link http:

My Encounter with a 38-Year-Old Ratchet

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All right, I’m going to share with my readers my encounter with a 38-year-old ratchet. (Forewarning, this will be a long post.) Tonight, I was at the southern legends of hip-hop concert. I sat in the second section, so I was kind of close to the stage. There were mostly females on my row, and I was sitting in-between them. While sitting there, I stayed in my lane, and simply listened to the concert. Due to this, the females took notice that I did not make a pass at any of them. (It’s funny how if a guy situates himself around females long enough, and does not make a pass at any of them, the women will begin to make passes at him. :-D ) Explanation of this. I don’t like to spit at females at these elaborate events because often they have these diva complexes about themselves. When I spit at broads, I like to get at them in ordinary places. Many are still bitches, but it lessens the chance to deal with the diva complex. Back to the story. So, the female sitting to the right of

Media Manipulation

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I want to talk about various instances of media manipulation. While on LinkedIn, I recall seeing articles talk about the economic progress that is taking place in America. Now, from my previous articles, we know that the exact opposite is occurring. Another example of media manipulation is things related to the Kardashians. Most Black people don’t observe the daily happenings of the Kardashians. Whenever Kim wears a Black hair doo--which the media will rename something else, i.e., calling cornrows boxer braids, we don’t notice until an article pops up about Black people allegedly upset about it. These articles will pop up and tell us how we feel about specific topics and then sheeple will get in line and invoke that feeling. The same media manipulation attempts to transpire when a Black spokesperson gets on camera and states his/her opinions on relevant topics. Often, the person speaking is reading from a pre-approved script and is voicing what White supremacist suspects want him/h

Ignorance Is Not a Luxury Afforded to Black People

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Several months ago, I was at a shopping center to print off a document so that I could mail it off. I had already labeled my envelope and was going into FedEx Kinkos with my thumb-drive, envelope, and book of stamps. Now, as I got out of my car, a breeze blew by blowing my book of stamps out of my hand and into the car next to mine. The reason my stamp-booklet was able to blow into the car next to me was that it was a luxury drop-top Porsche. Moreover, it had its top dropped. Now, when it happened, for a split second I thought about opening the back-door (my stamp-booklet fell on the floor of the backseat) to grab my booklet. However, I immediately realized that would not be a good idea. If I did that, it would be presumed that I’m trying to either steal something or the vehicle itself. So, due to this, I decided that I’ll have to contact security to have them contact the driver so that he/she can pass me my stamp-booklet. Now, in this situation, I went into Kinkos first, and by t

Jobs that Black Men can get without Begging

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In today’s economy, Black men essentially have to beg employers to hire us; the reason being is that we’re in an employer’s market . Therefore, it doesn’t matter how qualified we are, we still end up competing against numerous, desperate, candidates that are willing to accept gigs for less than what they're worth. Furthermore, companies discriminate against hiring Black men anyway. To add further to our employment disenfranchisement, many companies have outsourced their jobs to staffing firms. So, companies are able to fill roles without having to pay benefits. Also, when the tasks have been completed—and things begin slowing down—companies are able to layoff its workforce without having to pay unemployment. This keeps workers—specifically Black workers—constantly living in a state of panic. You never know when you may get let go. It also doesn’t help that many companies aren’t concerned with having reputable reputations. So, they don’t care at all about reneging on their agree