Posts

Investment Alternatives

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So, in this post, I’m going to talk a little bit about investment alternatives. One thing people should look into are variants of indexed universal life policies. They mimic the stock market to an explicitly stated percentage rate. They allow you to borrow money from your built-up cash value for emergencies without affecting the death benefit—provided your cash value surpasses the death benefit. Alternatively, the borrowed money will just subtract from the death benefit amount. However, the real attribute is that they don’t lose money—even when the stock market goes down. They still earn 1%. Moreover, an experienced agent can cover your inheritance passed down from a loved one so that you can receive your money without, even, having to pay taxes. Also, this policy can be written on your children. It can be used as an alternative to a College Savings Plan—provided you buy the policy when your children are young, and you overfund the policy. Next, annuities are another great vehicle

Unemployment Rate Mindfuckery

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Unemployment rates are much higher than studies dictate. Unemployment lasts up to 6 months. However, due to the depression we’re in, people are remaining unemployed well beyond 6 months. However, when it comes time to determine the unemployment rate, these people aren’t counted. However, they never disappeared; they just fell off the listing. Going further, the major issue now is under-employment. We have a massive under-employment catastrophe going on. People are working 2 to 3 jobs just to make ends meet. This is all due to the hyper-inflation we’re experiencing. So, no, the real unemployment rate is through the roof. Furthermore, under-employment is astronomical. Moreover, these problems were going on during the Obama administration. By the way, under-employed people still do boost the employment rate even though they’re not making ends meet. The reason being, they don’t increase the unemployment rate because they don’t draw unemployment. (If you enjoyed this post, then plea

The Universe Has a Funny Way of Working Itself Out

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As you know, I work in the insurance industry. So in other words, I am an entrepreneur. However, outside of my clients, I do still have bosses. Furthermore, my bosses offer me advice to the best of their knowledge—and based off of their biases. Now, regardless of what one does, we live in America, and America is still racist at its core. Therefore, regardless of what degree of freedom one attains through his/her profession, racist prejudices will still be incorporated. Now, with the aforementioned, I have been advised that I needed to dress up my image a bit more. I need to take the pen out of my shirt, and I need to stop wearing skullcaps because it doesn’t look professional. Now, if I were a game-goofy clown--that believes everything his/her white counterpart tells him/her--, then I’d accept this advice with no questions asked. However, I’m not. I understand that some people are racists and will create any excuse to voice their disdain for me. So with that in mind, I do not take

Why Black People Need To Build Businesses Rather Than Look For Jobs

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Before I say what I'm about to say, I am not saying don't get a job to pay your bills and buy your trinkets in the meantime. What I'm saying is as Black People, Melanoid People, Moorish Gods, etc. (whatever you want to call us), we need to start focusing on building businesses here's why: Entrepreneurship is all about solving problems. What's the biggest problem in the country right now? Racism? Yes, but that's not going to go anywhere so deal with it from a position of power instead of at the bottom of the foot of the oppressors. Classism? Yes, that's also not going anywhere either because it's the wealthy and powerful who used racism in this country in the first place. Leadership? Be your own leader. Tariq Nasheed is a hell of a napalm-spitter, and we love his works, but with that being said, he is not our leader--nor does he want to be. So what is the biggest problem in the country right now? Unemployment! "But I thought you said don

Guys with No Game

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What inspired this post is constant blaming of oneself I’ve seen done by guys. Years ago, when I touched down back in the States and began hitting up the scene, I did not obtain the results that I would have liked. Each time I would leave an interaction—that didn’t go well--, I would analyze the exchange. Each time I would find that there was very little for me to improve upon. Now, in the game, you learn to analyze yourself and critique yourself. So much emphasis is put on critiquing oneself that critiquing the other individual gets looked over. However, that is exactly what was transpiring with me. I was doing mostly everything right, while the females were doing mostly everything wrong. However, the notion of critiquing the other individual did not originate from me. I learned to start evaluating the woman’s interaction with me from Tariq Nasheed. He did a podcast--many years ago—on Mack Lessons Radio, where he talked about evaluating the female after you’ve evaluated yourself.

Team Management

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In this post, we’re going to speak on how to schedule women in--or should I say around--your life. I’m going to share a theory of mine and why I came to this formula. Now, it is a theory, so feel free to tweak it to your liking. Alternatively, if you have a different angle on it, please share with the board. My reason for coming up with this formula is because in the past I’ve let women with potential slip through the cracks because I was either preoccupied with other women or just not including them in my schedule. Now, with that being stated, no woman--including one's mother--should run a man’s life or his day-to-day schedule. However, let’s keep it 100. If you continue to neglect her, she won’t be neglected for long.  So, I initially thought to myself “What’s a way to keep women that admire me--on some level or another--around longer?” Now, this isn’t some magic trick to keep her in your life. Plenty will come and go--the good ones on down to the jump-offs. However, this w

Anti-Intellectualism and the "Dumbing Down" of America

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There is a growing and disturbing trend of anti-intellectual elitism in American culture. It’s the dismissal of science, the arts, and humanities and their replacement by entertainment, self-righteousness, ignorance, and deliberate gullibility. Susan Jacoby, author of The Age of American Unreason, says in an article in the Washington Post, "Dumbness, to paraphrase the late Senator Daniel Patrick Moynihan, has been steadily defined downward for several decades, by a combination of heretofore irresistible forces. These include the triumph of video culture over print culture; a disjunction between Americans' rising level of formal education and their shaky grasp of basic geography, science and history; and the fusion of anti-rationalism with anti-intellectualism." There has been a long tradition of anti-intellectualism in America, unlike most other Western countries. Richard Hofstadter, who won a Pulitzer Prize in 1964 for his book, Anti-Intellectualism in American Lif