Author: kevin

ONEUNITED BANK ANNOUNCES MARVEL COMICS AND VISA COLLABORATION TO PROMOTE FINANCIAL LITERACY

Offers Free Black Panther Comic Books to Encourage Savings

In celebration of National Superhero Day, OneUnited Bank, the nation’s largest black-owned bank, is proud to announce its collaboration with Marvel Comics and Visa, Inc to provide a free custom comic book (featuring Black Panther and Shuri) in its branches on April 28, 2023 and a digital version of the comic book to all participants in its 13^th Annual “I Got Bank!”  National Financial Literacy Contest.

The one-of-a-kind custom edition comic book was created by Marvel Comics and Visa, Inc. and includes financial literacy exercises developed by OneUnited Bank.

On April 28^th, National Superhero Day, the Bank will offer up to 500 comic books at its branches in Boston (Grove Hall), Miami, Los Angeles, and Compton on a first come, first served basis. No purchase required. For branch locations visit www.oneunited.com/locations.

The 13^th Annual “I Got Bank!”  National Financial Literacy Contest selects ten children to win a $1,000 savings account. To make financial literacy a core value of the Black community, the Bank is offering a free “I Got Bank” E-Book. In addition, every child who submits their entry online, can access a digital version of the Black Panther Comic Book.

Students from across the country between the ages of 8 and 12 are encouraged to read a financial literacy book of their choosing, and either write a 250-word essay or create an art project to show how they would apply what they learned from the book to their daily lives. Submissions must be emailed or postmarked by June 30, 2023.

The Bank will choose ten winners and award each winner a $1,000 savings account at OneUnited Bank by August 31, 2023. For more information, please visit: www.oneunited.com/book.

Teri Williams, OneUnited Bank President states, “We are excited to collaborate with Marvel Comics and Visa to promote financial literacy.

Our contest, free e-book, and now this new comic book make it easy for families to teach their children how to save and make financial literacy a core value in the Black community!”

“I Got Bank! What My Granddad Taught Me About Money” is published by The Beckham Publications Group, Inc. (Beckhamhouse). Comic Book: Investing In Each Other: Jim Zub (Writer), J.L. Giles (Artist), Carlos Lopez (Colorist). For more information about the official contest rules, please visit: www.oneunited.com/book.

The Power of Self-Esteem

Self-esteem is a very powerful trait, but unfortunately doesn’t come easy. We all have experiences in our lives that limit us, and how we feel about ourselves, and it usually starts in our childhood. You can go to therapy for years to resolve specific issues and still not be able to move past them. In this article, I talk about self-esteem and confidence. However, confidence is not what this story is about. The story is about self-esteem and how to improve it.

I also define what self-esteem actually, it is. I love your idea I got the idea from listening to a friend who consistently complains about being unable to find a mate. He is very successful, but he’s also very unhappy. No matter how often I tell him that he has personality flaws that are obvious to potential mates, he still comes back with the same complaint and blames the problem on others instead of taking stock of how HE contributes to the problem.

First and foremost, changing our self-esteem is about changing how we see ourselves let’s start by talking about self-esteem and confidence. Please feel free to respond with your thoughts, comments.

Self-esteem and confidence are related concepts, but they are not the same.

Self-esteem refers to a person’s overall sense of self-worth or self-value. It involves how much a person values themselves and how much they believe they deserve respect, love, and happiness. A person with high self-esteem feels good about themselves and their abilities and is more likely to have positive feelings about their life in general.

On the other hand, confidence is a belief in one’s ability to succeed in a particular situation or to perform a specific task. Confidence involves having faith in your abilities, skills, and knowledge to accomplish a goal or handle a particular situation. Confidence is situational and can fluctuate depending on the circumstances.

In summary, self-esteem is more about a person’s overall sense of self-worth and value. At the same time, confidence is more about a person’s belief in their ability to succeed in a specific situation or task. Both self-esteem and confidence are essential for mental well-being and success in life.

There is no one answer to why people have low self-esteem, as various factors can contribute to this issue. Some common reasons include:

Negative experiences: A person’s self-esteem can be greatly impacted by negative experiences, such as bullying, abuse, or neglect. These experiences can make a person feel unworthy or inadequate.

Comparison to others: Social comparison can also contribute to low self-esteem, as individuals may compare themselves to others they perceive as more successful or attractive.

Unrealistic expectations: Setting unrealistic expectations for oneself can also lead to low self-esteem. If a person constantly feels like they are failing to meet their expectations, they may develop feelings of worthlessness.

Perfectionism: Similarly, a perfectionist mindset can also contribute to low self-esteem, as individuals may feel like they are never good enough.

Childhood upbringing: Childhood upbringing can also have a significant impact on self-esteem. If a person grows up with parents or caregivers who are critical or unaffectionate, they may internalize these negative messages and struggle with self-worth as adults.

It’s important to note that low self-esteem is a complex issue, and multiple factors may be at play. However, there are ways to address and overcome low self-esteem, such as therapy, positive self-talk, and setting realistic goals.

10 Ways to Boost Self-Esteem

• Practice self-compassion: Treat yourself with the kindness and understanding you would offer a good friend.
• Challenge negative self-talk: Identify and challenge negative thoughts that make you feel bad about yourself. Replace them with positive affirmations.
• Focus on your strengths: Instead of focusing on your weaknesses, celebrate your strengths and accomplishments.
• Set achievable goals: Set realistic goals for yourself and celebrate when you achieve them.
• Take care of your physical health: Exercise regularly, eat a healthy diet, and get enough sleep to boost your energy and mood.
• Learn new skills: Challenge yourself to learn new skills or hobbies that you enjoy and can feel proud of.
• Surround yourself with positive people: Spend time with people who uplift and support you, and distance yourself from negative influences.
• Practice gratitude: Take time each day to reflect on what you’re grateful for and focus on the positives in your life.
• Take responsibility for your life: Accept responsibility for your actions and choices, and use them as opportunities for growth and learning.
• Embrace imperfection: No one is perfect, and that’s okay. Embrace your flaws and learn to love yourself for who you are.

The 1990s and 90s Rappers are often considered the “golden era” of hip-hop and rap for several reasons.

One of the primary reasons is the emergence of many iconic and influential artists and groups during this period.

Many of the most significant names in hip-hop history, including Tupac, The Notorious B.I.G., Wu-Tang Clan, Nas, Dr. Dre, Snoop Dogg, and Jay-Z, all rose to prominence during the 1990s.

In addition to the emergence of these artists, the 90s saw a significant evolution in the sound of hip-hop music. Sampling and creative use of technology allowed producers to create new and innovative sounds, while artists explored new lyrical themes and experimented with different styles.

Another factor that contributed to the success of hip-hop in the 1990s was its increasing mainstream popularity. Hip-hop became more widely accepted and integrated into popular culture, leading to increased airplay on radio and television and greater opportunities for artists to reach a wider audience.

Finally, the 1990s was a period of significant social and political change, and hip-hop music and culture reflected and responded to these changes. Many hip-hop artists used their music to address issues such as police brutality, racism, poverty, and inequality, giving voice to marginalized communities and raising awareness of social issues.

Overall, the combination of talented artists, innovative music production, increasing mainstream acceptance, and social and political relevance all contributed to the success of hip-hop in the 1990s, making it a particularly important and influential era for the genre.

Who Were the Biggest 90s Rappers?

Notorious B.I.G. (born Christopher Wallace)

… was a 90s Rapper and songwriter who rose to fame in the early 1990s. He was born on May 21, 1972, in Brooklyn, New York, and was raised in the Bedford-Stuyvesant neighborhood. Notorious B.I.G. began rapping as a teenager and gained national attention with his debut album, “Ready to Die,” which was released in 1994.

The album was a critical and commercial success, featuring hit singles like “Juicy” and “Big Poppa.” Notorious B.I.G. was known for his distinctive flow and storytelling abilities, which made him one of the greatest rappers of all time. Unfortunately, he was tragically shot and killed in Los Angeles in March 1997 at the age of 24, leaving behind a legacy as one of the most iconic figures in rap history.

Tupac Shakur (also known as 2Pac)

… was a 90s rapper, actor, and social activist who was born on June 16, 1971, in East Harlem, New York. He is widely regarded as one of the most influential rappers of all time, and his music often dealt with themes of social inequality, racism, and violence in America. Tupac’s career began in the late 1980s, and he released his debut album, “2Pacalypse Now,” in 1991.

He achieved massive success with his third album, “Me Against the World,” which was released in 1995 and became the first album by a solo artist to debut at number one on the Billboard 200 while the artist was in prison.

Tupac was also known for his acting roles in films such as “Juice” and “Poetic Justice.” Tragically, he was shot and killed in Las Vegas on September 13, 1996, at the age of 25. Despite his short life, Tupac’s music and influence continue to resonate with fans around the world.

Nas (born Nasir bin Olu Dara Jones)

… is a 90s Rapper and songwriter who was born on September 14, 1973, in Brooklyn, New York. He emerged on the scene in 1994 with his debut album, “Illmatic,” which is widely regarded as one of the greatest hip-hop albums of all time.

Nas’s lyrics often focus on urban life, social inequality, and the struggles of the African American community. Over the course of his career, he has released numerous critically acclaimed albums, including “It Was Written,” “Stillmatic,” and “Hip Hop Is Dead.”

Nas has been nominated for 14 Grammy Awards and has won one for his 2020 album “King’s Disease”. He is considered one of the greatest lyricists of all time and has influenced generations of rappers who have come after him.

Jay-Z (born Shawn Corey Carter)

… is a 90s Rapper, songwriter, record executive, and businessman who was born on December 4, 1969, in Brooklyn, New York. He is considered one of the most successful and influential rappers of all time, having sold over 100 million records worldwide and won 23 Grammy Awards. Jay-Z began his career in the 1990s, and his breakthrough album was “Reasonable Doubt” (1996).

He went on to release a series of critically acclaimed and commercially successful albums, including “The Blueprint” (2001) and “The Black Album” (2003). Jay-Z has also been involved in numerous business ventures, including fashion, sports management, and streaming service Tidal.

He is married to pop superstar Beyoncé, and the couple is known for their philanthropic work as well. Jay-Z is widely regarded as one of the most important figures in hip-hop history and has influenced countless rappers who have come after him.

Dr. Dre (born Andre Romelle Young)

… is a 90s Rapper, record producer, and entrepreneur who was born on February 18, 1965, in Compton, California. He rose to fame in the late 1980s as a member of the influential rap group N.W.A., and later as a solo artist and producer.

Dr. Dre is considered one of the most successful and influential producers in the history of hip-hop, having produced albums for numerous artists, including Snoop Dogg, Eminem, and 50 Cent.

He is also the founder and former CEO of Aftermath Entertainment and co-founder of Beats Electronics, which was acquired by Apple in 2014. Dr. Dre has won multiple Grammy Awards for his production work and is widely regarded as a pioneer of the West Coast hip-hop sound.

LL Cool J (born James Todd Smith)

is a 90s Rapper, actor, and entrepreneur who was born on January 14, 1968, in Bay Shore, New York. He rose to fame in the 1980s as one of the pioneers of the hip-hop genre, and his music often dealt with themes of love, romance, and social issues.

LL Cool J has released numerous successful albums over the course of his career, including “Radio” (1985), “Bigger and Deffer” (1987), and “Mama Said Knock You Out” (1990). He has also made appearances in films and television shows, including “NCIS: Los Angeles” and “Deep Blue Sea.”

LL Cool J is also known for his philanthropic work and his advocacy for various causes, including cancer research and education. He has been recognized for his contributions to music and popular culture with numerous awards, including a star on the Hollywood Walk of Fame.

Snoop Dogg (born Calvin Cordozar Broadus Jr.)

… is a 90s Rapper, singer, songwriter, actor, and media personality who was born on October 20, 1971, in Long Beach, California. He first gained fame in the early 1990s as a protégé of Dr. Dre, and his debut album, “Doggystyle,” released in 1993, became a massive commercial success. Snoop Dogg has released numerous successful albums over the course of his career, including “Tha Doggfather” (1996), “Da Game Is to Be Sold, Not to Be Told” (1998), and “Tha Blue Carpet Treatment” (2006).

He has also appeared in numerous films and television shows, including “Training Day,” “Half Baked,” and “The Voice.” Snoop Dogg is known for his distinctive flow and his laid-back, often humorous lyrics, and he is widely regarded as a pioneer of the West Coast hip-hop sound. He is also known for his collaborations with other artists and has worked with everyone from Dr. Dre to Katy Perry.

Ice Cube (born O’Shea Jackson)

… is a 90s Rapper, actor, and filmmaker who was born on June 15, 1969, in South Central Los Angeles, California. He first gained fame as a member of the influential rap group N.W.A., and later as a solo artist. Ice Cube has released numerous successful albums over the course of his career, including “AmeriKKKa’s Most Wanted” (1990), “Death Certificate” (1991), and “The Predator” (1992).

He has also appeared in numerous films, including “Boyz n the Hood,” “Friday,” and “Barbershop.” In addition to his work in music and film, Ice Cube is also a successful entrepreneur and has been involved in various business ventures, including his own record label, Cube Vision production company, and the BIG3 basketball league.

Ice Cube is known for his politically charged lyrics, and he has been an outspoken critic of police brutality and racial inequality. He is widely regarded as one of the most important figures in hip-hop history and has influenced countless rappers who have come after him.

Eminem (born Marshall Bruce Mathers III)

… is a 90s Rapper, songwriter, record producer, and actor who was born on October 17, 1972, in St. Joseph, Missouri. He rose to fame in the late 1990s with the release of his major-label debut album, “The Slim Shady LP” (1999), which won a Grammy Award for Best Rap Album. Eminem has released numerous successful albums over the course of his career, including “The Marshall Mathers LP” (2000), “The Eminem Show” (2002), and “Kamikaze” (2018).

He is known for his complex, often darkly humorous lyrics and his distinctive flow. Eminem has also acted in several films, including “8 Mile,” for which he won an Academy Award for Best Original Song for the hit song “Lose Yourself.”

Eminem has been recognized for his contributions to music with numerous awards, including 15 Grammy Awards. He is widely regarded as one of the greatest rappers of all time and has had a significant impact on popular culture.

The Wu-Tang Clan

… is an American hip-hop group of 90s Rappers formed in Staten Island, New York in 1992. The group is composed of nine members: RZA, GZA, Method Man, Raekwon, Ghostface Killah, Inspectah Deck, U-God, Masta Killa, and Ol’ Dirty Bastard (who passed away in 2004).

The group’s name was inspired by the kung-fu movies that its members were fond of watching, and their music often features samples from those films.

The Wu-Tang Clan’s debut album, “Enter the Wu-Tang (36 Chambers)” (1993), is widely regarded as one of the greatest hip-hop albums of all time.

The album’s gritty, streetwise lyrics and unconventional production techniques helped establish the group as a major force in the genre. The Wu-Tang Clan went on to release several more successful albums over the years, including “Wu-Tang Forever” (1997), “The W” (2000), and “8 Diagrams” (2007).

In addition to their music, the Wu-Tang Clan has also been involved in various business ventures, including the Wu-Tang Clan clothing line, video games, and documentaries. They are also known for their collaborations with other artists, including Busta Rhymes, Redman, and Nas. The Wu-Tang Clan’s influence on hip-hop and popular culture has been significant, and they are often cited as one of the greatest rap groups of all time.

Finding ways to build your business with these ideas for small businesses to keep you in the loop

John Witherspoon had always been an entrepreneur at heart. From a young age, he had a knack for spotting opportunities and turning them into successful businesses. Over the years, he had started several companies, some of which had done very well, while others had failed.

However, he had learned something valuable from each experience and had become a seasoned entrepreneur with a wealth of knowledge and experience.

But despite his successes, John had noticed that the business landscape was changing rapidly. New technologies were emerging all the time, and businesses that failed to keep up with the latest trends risked falling behind. John realized that in order to stay ahead of the competition, he needed to be aware of these new technologies and understand how they could be used to benefit his businesses.

One day, John was attending a conference on emerging technologies. The conference was attended by entrepreneurs, investors, and tech enthusiasts from all over the world. John was excited to learn about the latest innovations and how they could be applied to his businesses. As he walked around the conference, he saw a wide range of cutting-edge technologies, from AI and machine learning to blockchain and virtual reality.

John was particularly interested in a startup that was using AI to revolutionize the healthcare industry. The startup had developed an AI system that could analyze medical data and help doctors diagnose and treat patients more accurately and efficiently. John saw the potential for this technology to be applied in other industries as well, such as finance and logistics.

Later that day, John attended a talk on blockchain, which was becoming increasingly popular in the financial industry. The speaker explained how blockchain could be used to create secure and transparent transactions and how it could be applied to other industries as well, such as supply chain management and digital identity verification.

As John listened to the speaker, he realized that blockchain could be a game-changer for his logistics business. By using blockchain to track shipments, he could ensure that products were delivered securely and efficiently and that all parties involved in the supply chain were held accountable for their actions.

Over the course of the conference, John learned about many other new technologies that could be applied to his businesses. He met entrepreneurs who were developing products and services that were truly innovative, and he saw the potential for these technologies to disrupt entire industries.

At the end of the conference, John left feeling inspired and motivated. He knew that in order to stay ahead of the competition, he needed to be aware of these new technologies and how they could be used to benefit his businesses. He made a commitment to himself to stay informed about the latest trends and innovations and to continue learning and growing as an entrepreneur.

Over the next few months, John started to implement some of the new technologies he had learned about at the conference. He invested in AI for his healthcare business, which improved patient outcomes and reduced costs. He implemented blockchain in his logistics business, which made the supply chain more transparent and efficient. And he experimented with other new technologies, such as virtual reality and augmented reality, which improved the customer experience and increased sales.

As John’s businesses continued to grow and evolve, he realized that his commitment to staying informed about new technologies had been a key factor in his success. He had been able to identify new opportunities and stay ahead of the competition, and his businesses had become more efficient, innovative, and customer-focused as a result.

Looking back on his journey as an entrepreneur, John realized that the business landscape was always changing, and that staying informed about new technologies was essential for success. He had learned that being aware of emerging trends and technologies was not just a matter of staying up to date, but was also a way to identify new opportunities, innovate, and stay ahead of the competition.

In conclusion, the story of John illustrates the importance of entrepreneurs being aware of new tech trends. The rapid pace of technological change

Entrepreneurs should pay attention to new technology trends for several reasons:

1. Competitive advantage: Being aware of new technology trends can help entrepreneurs stay ahead of the curve and outcompete their rivals. By leveraging new technologies, entrepreneurs can offer new and innovative products or services that differentiate them from competitors.
2. Increased efficiency: New technologies can streamline business processes and reduce costs. For example, cloud computing can make it easier and cheaper to store and access data, while automation can reduce the need for manual labor.
3. Improved customer experience: New technologies can enhance the customer experience, making it easier and more convenient for customers to interact with a business. For example, chatbots can provide quick and efficient customer support, while augmented reality can allow customers to try on products virtually before making a purchase.
4. Future-proofing: By paying attention to new technology trends, entrepreneurs can prepare for the future and ensure their business remains relevant and competitive in the long term.

In summary, keeping up with new technology trends is crucial for entrepreneurs who want to stay ahead of the competition, improve efficiency and customer experience, and future-proof their business.

1. Artificial Intelligence (AI) – Entrepreneurs can leverage AI to automate routine tasks, optimize workflows, and gain insights from large amounts of data. AI can also be used to develop new products and services, from chatbots to virtual assistants.
2. Internet of Things (IoT) – IoT devices provide real-time data that can be used to monitor and control various aspects of a business, from supply chain management to customer experience. Entrepreneurs can use IoT technology to create new products and services, from smart homes to wearable devices.
3. Blockchain – Blockchain technology can be used to create secure and transparent systems for managing transactions, contracts, and records. Entrepreneurs can use blockchain to develop new business models, from decentralized marketplaces to digital identity verification.
4. Augmented Reality (AR) – AR can be used to enhance the customer experience, from virtual product demos to interactive store displays. Entrepreneurs can use AR to create new marketing channels, from gamified advertising to immersive product launches.
5. Cloud Computing – Cloud computing enables entrepreneurs to access computing resources on-demand, without the need for on-premises infrastructure. Cloud technology can be used to build and scale new businesses, from e-commerce platforms to SaaS applications.
6. Cybersecurity – Entrepreneurs need to protect their businesses from cybersecurity threats such as data breaches, ransomware, and phishing attacks. Investing in cybersecurity solutions can help prevent these threats and ensure business continuity.
7. Quantum Computing – Quantum computing can be used to solve complex problems in fields such as finance, logistics, and healthcare. Entrepreneurs can use quantum computing to develop new algorithms and models, leading to breakthroughs in their industries.
8. Edge Computing – Edge computing can be used to process data closer to the source, reducing latency and improving efficiency. Entrepreneurs can use edge computing to develop new products and services, from autonomous vehicles to smart cities.
9. 5G – 5G technology can be used to create new business models, from remote work to telemedicine. Entrepreneurs can leverage 5G to provide faster and more reliable connectivity, leading to new opportunities for innovation and growth.
10. Robotics – Robotics can be used to automate routine tasks and increase efficiency in various industries, from manufacturing to healthcare. Entrepreneurs can use robotics to create new products and services, from delivery drones to surgical robots.

When you are running the entire ship, it is easy to get burnout and become stagnant and complacent, but small business owners don’t have that luxury.

I have always been very adamant about the direction, goals, and focus of my business, never letting anyone or anything change that.

I realize now that’s a mistake. If you notice, most older business owners think they have their formulas patented when it comes to the success of their business and we don’t. Trends change, and we have to be willing to keep up with them and to keep learning or we stop growing.

Example of Stagnant and Complacent, EBONY Magazine

EBONY magazine was struggling, and I remember I stopped reading it in the 80s because it never moved past that period. The stories were boring and predictable, and the owner John H. Johnson thought the formula that he had been using for decades would continue to work forever and it didn’t.

The magazine didn’t hone in early on technology and quickly fell from grace. They had been struggling for years finally making the changes when it was WAY too late.  

Readers had moved on long before. They wanted to stick to the tried and true from 65 years ago and do business the way they had always done it. That’s an immediate recipe for failure and disaster.

When we get older, and we are out of touch if we don’t surround ourselves with education.

 I passed a music store the other day while walking down the street the owners were well into their 60s and they had a dirty beige carpet on the floor and paneling on the walls from the 70s (remember that fake wood paneling).

There was not one sole customer in the store. Next door was a Mac repair store that was very state of the art, they were packed.

As business owners, we realize how vital our businesses are to us, we are married to them, and they are our children. When someone insults your children by saying they are misbehaving, you are apt to stand up in defense of your child, but what if they really misbehave?

Shut up and Listen

A man who has rarely been supportive of my businesses and I had a long conversation yesterday, and he insulted my business, so I thought when he compared me to other urban industry sites that I don’t consider to be competition for me.

Long ago, I surmised he was an arrogant bastard who wanted to see me fail instead of someone willing to take the time to tell me the truth. Clients who pay us are certainly valuable but so are the clients who don’t do business with us… especially when we can find out WHY.

Yesterday I did something different, I shut up and listened to this man. I took the emotion out and heard what he said for the first time, and when he was done, I realized there were at least two or three things that he was right about when it came to my business. Things that I had never explored and needed to in order to grow.

The one thing that older people do, which often makes us unemployable, is that we are indeed set in our ways and unwilling to learn or listen to anyone younger. Just about EVERY person that I know who is over 45 is like that and they wonder why they can’t get any work.

This man is actually older than me but he works in another part of the industry that is one of my targets.  He comes face to face with this side of the industry daily, which is much rarer for me.

Today I’m working on implementing those changes to grow my business and at the end of the day, I greatly appreciate what he had to say. Sometimes you have to just shut up and listen and realize value is not always monetary.

Jenny Johnson is self-employed and had always been an ambitious person.

After years of working for someone else, she finally decided to take the plunge and become self-employed. She had a passion for graphic design, and she knew she could create a thriving business with her skills. The first few months were exciting. She worked long hours, but it was worth it when she saw her business grow. However, as time passed, she felt more and more exhausted.

At first, she tried to push through it, telling herself that this was just what it meant to be self-employed. She told herself that she was lucky to be doing something she loved, and that the hard work would pay off in the end. But as the weeks turned into months, her exhaustion grew worse. She found herself struggling to focus on her work, and her creativity was suffering. She started to wonder if she had made a mistake in starting her own business.

One day, while she was working on a project for a client, she realized that she couldn’t remember the last time she had taken a day off. She had been working every day for months, even on weekends. She had stopped exercising and had stopped seeing her friends. Her work had consumed her life. It was then that she realized that she was suffering from burnout.

Jenny knew she needed to make a change. She took a day off, something she hadn’t done in months, and spent it doing things she enjoyed. She went for a walk, cooked herself a nice meal, and read a book. It was the first time in a long time that she had felt relaxed.

The next day, she made a plan. She started by setting boundaries for her work. She decided that she would no longer work on weekends and that she would take at least one day off each week. She also started taking breaks during the day, going for a walk or doing some yoga to clear her mind.

She also started to prioritize her health. She started exercising again and made sure to eat healthy meals. She made time to see her friends and family and started doing things that brought her joy, like painting and hiking.

As she started to make these changes, she noticed a difference. She felt more energized and focused. Her creativity started to return, and her work improved. She was no longer feeling burnt out and was able to enjoy her work again.

Jenny realized that being self-employed didn’t have to mean working all the time. She learned that taking care of herself was just as important as taking care of her business. She realized that she needed to set boundaries and prioritize her health and wellbeing to be successful in the long run.

It wasn’t easy to make these changes, and there were times when she felt like she was letting her clients down. But she knew that taking care of herself was the only way she could continue to provide quality work for her clients.

Jenny’s journey through burnout taught her a valuable lesson about the importance of self-care. She realized that it was okay to take a break and that doing so didn’t mean she was failing. She learned that taking care of herself was the key to success and that working all the time was not sustainable.

As Jenny’s business continued to grow, she made sure to keep these lessons in mind. She continued to set boundaries and prioritize her health and well-being, knowing that doing so was the key to her success. And as she continued on her journey, she felt grateful for the experience of burnout, as it had taught her a lesson that she would never forget.

Self-employed burnout is a real concern for entrepreneurs and freelancers, especially those who work long hours and are passionate about their work. Here are some tips to help you avoid burnout and maintain your productivity and well-being:

1. Set clear boundaries: Establish clear work hours and stick to them. Set aside time for personal activities that are important to you, such as exercise, family time, and hobbies.
2. Take breaks: Taking regular breaks throughout the day can help prevent burnout. Take a 10-15 minute break every hour or two to rest your eyes and stretch your legs.
3. Prioritize self-care: Make sure to take care of your physical and emotional health. This can include exercise, healthy eating, and stress-reducing activities like meditation or yoga.
4. Outsource or delegate tasks: If you’re feeling overwhelmed, consider outsourcing or delegating tasks that don’t require your specific expertise.
5. Plan for downtime: Make sure to schedule in some downtime for yourself. This could be a vacation or simply a day off to relax and recharge.
6. Get support: Connect with other self-employed professionals or join a community to share experiences and receive support.
7. Learn to say no: It’s important to set limits and say no to commitments that will add to your workload and stress level.

Remember, taking care of yourself is essential to your success as a self-employed professional. By implementing these strategies, you can avoid burnout and continue to thrive in your work

Black-owned banks and founders have a long and important history in the United States, dating back to the early 19th century.

During that time, many states passed laws prohibiting Black people from accessing traditional financial institutions, which led to the emergence of community-based financial institutions.

The first Black-owned bank in the United States was the Savings Bank of the Grand Fountain United Order of the True Reformers, which was founded in Richmond, Virginia, in 1888. The bank was established by the True Reformers, a Black fraternal organization, to provide financial services to its members and the wider Black community.

Other Black-owned banks were established in the following decades, including the Capital Savings Bank in Washington, D.C., which was founded in 1889, and the Citizens Savings Bank in Nashville, Tennessee, which was founded in 1904.

During the Civil Rights Movement of the 1950s and 1960s, Black-owned banks played a critical role in providing financial support to the movement and its leaders. For example, the Rev. Dr. Martin Luther King Jr. and other civil rights leaders kept their personal accounts at Black-owned banks, and these banks provided loans and other financial support to civil rights organizations.

Today, there are over 20 Black-owned banks in the United States, with assets totaling over $5 billion. These banks continue to provide vital financial services to underserved communities and play an important role in promoting economic empowerment and financial inclusion.

Here are 10 Black bank founders who have made significant contributions to the banking industry:

1. Maggie Lena Walker – Walker was the first Black woman to charter a bank in the United States. She founded the St. Luke Penny Savings Bank in Richmond, Virginia, in 1903.
2. Althea L. Waters – Waters was the founder and president of the Black-owned Unity Bank and Trust Company in Boston, Massachusetts, which opened its doors in 1963.
3. John W. Rogers Jr. – Rogers is the founder and CEO of Ariel Investments, one of the largest Black-owned money management firms in the United States. He also serves as the chairman of the board of directors of the Chicago Urban League.
4. William T. Coleman Jr. – Coleman was the founder and chairman of the board of directors of the Independence Bank of Chicago, which was one of the largest Black-owned banks in the United States before it closed in the 1980s.
5. Preston D. Pinkett III – Pinkett is the founder and CEO of City National Bank, the largest Black-owned bank in the United States. The bank is based in Newark, New Jersey, and has branches in several states.
6. Robert James – James is the founder and CEO of the Carver State Bank in Savannah, Georgia. The bank was founded in 1927 and is one of the oldest Black-owned banks in the United States.
7. Michael Grant – Grant is the founder and CEO of the National Bankers Association, which is the largest trade organization for Black-owned banks in the United States. He is also the president and CEO of New Millennium Bank.
8. Howard L. Fuller – Fuller was the founder and president of the Malcolm X Liberation University in Durham, North Carolina, and the co-founder of the National Black Economic Development Conference. He also served as the chairman of the board of directors of the Independence Bank of Chicago.
9. Kenneth Kelly – Kelly is the chairman and CEO of First Independence Bank, which is based in Detroit, Michigan. The bank was founded in 1970 and is one of the largest Black-owned banks in the United States.
10. Teri Williams – Williams is the president and CEO of OneUnited Bank, the largest Black-owned bank in the country. The bank is based in Boston, Massachusetts, and has branches in several states.

Once upon a time, in the late 1980s and early 1990s, there was a party in Atlanta that became a legend. It was called Freaknik, and it was a massive celebration of Black culture and music that drew people from all over the country.

The first Freaknik took place in 1983, when a group of students from the Atlanta University Center decided to throw a party in the city. The event grew over the years, eventually attracting tens of thousands of people to Atlanta’s streets, parks, and clubs.

Freaknik was a wild and raucous party, with music blasting from cars and people dancing in the streets. It was a celebration of Black culture, and many saw it as a way to reclaim public space and assert their presence in a city that was often hostile to Black people.

The party was also controversial, with some Atlanta residents complaining about noise, traffic, and litter. In 1993, the city tried to shut down Freaknik, but the party continued, with attendees blocking streets and defying police orders.

Despite the controversy, many people look back on Freaknik with fondness, as a time when Black people came together to celebrate their culture and have fun. The party was eventually discontinued in the early 2000s, as Atlanta’s demographics changed and the city sought to distance itself from its wilder past.

But for those who were there, Freaknik remains a cherished memory of a time when Atlanta was the epicenter of Black culture and music, and a reminder of the power of collective joy and celebration.

Some of the things people did at Freaknik included:

1. Party and dance: Freaknik was primarily a party and dance event. People would gather at various locations throughout Atlanta to dance, listen to music, and have a good time.
2. Car shows: Car shows were a big part of Freaknik, with people showing off their customized cars and competing for prizes.
3. Barbecue and cookouts: Barbecue and cookouts were a popular way to enjoy the warm weather during Freaknik. People would grill and enjoy food and drinks with friends.
4. Street vendors: There were also many street vendors selling food, drinks, and merchandise during Freaknik.
5. Beach and pool parties: In addition to the street parties, there were also beach and pool parties where people could relax and enjoy the sun.
6. Traffic jams: Unfortunately, Freaknik also became known for its massive traffic jams as people traveled to and from the event. The congestion was so bad that some businesses and residents complained about the disruption to their daily lives.

It’s worth noting that Freaknik was eventually shut down due to safety concerns and complaints from the community, so many of these activities are no longer associated with the event.

Iyanla Vanzant is an American inspirational speaker, lawyer, New Thought spiritual teacher, author, and television personality.

She was born on September 13, 1953, in Brooklyn, New York, and is best known for her work as a host and executive producer of the television series “Iyanla: Fix My Life,” which airs on the Oprah Winfrey Network (OWN).

Iyanla Vanzant has authored more than 20 books on personal development and spirituality, including “Acts of Faith,” “One Day My Soul Just Opened Up,” and “In the Meantime.”

She is a popular speaker and has appeared on numerous television and radio programs, including “The Oprah Winfrey Show,” where she was a frequent guest.

Vanzant’s work focuses on helping people to overcome personal obstacles and achieve their full potential. She is known for her no-nonsense, direct approach to self-help and personal growth.

Here are 10 Great Motivation Quotes from Iyanla Vanzant

1. “The only way to get what you really want is to let go of what you don’t want.”
2. “No matter what the situation, remind yourself, ‘I have a choice.’”
3. “Everything that happens to you is a reflection of what you believe about yourself. We cannot outperform our level of self-esteem. We cannot draw to ourselves more than we think we are worth.”
4. “Everything we do is infused with the energy with which we do it. If we’re frantic, life will be frantic. If we’re peaceful, life will be peaceful.”
5. “When you stand in your own truth and allow your authentic self to be present, everything changes.”
6. “Forgiveness is not about forgetting. It is about letting go of another person’s throat.”
7. “You can accept or reject the way you are treated by other people, but until you heal the wounds of your past, you will continue to bleed.”
8. “Be willing to step outside your comfort zone once in a while; take the risks in life that seem worth taking. The ride might not be as predictable if you’d just planted your feet and stayed put, but it will be a heck of a lot more interesting.”
9. “Everything we need is already inside us.”
10. “When you stop living your life based on what others think of you, real life begins. At that moment, you will finally see the door of self-acceptance opened.

Iyanla Vanzant’s Fix My Life TV Show…

“Iyanla: Fix My Life” has had many profound episodes over the years, as each episode features individuals and families facing complex and challenging issues. Some of the most impactful episodes that have resonated with viewers include:

1. “Fix My Secret Life as a Gay Pastor” – In this episode, Iyanla helped a pastor who had been living a secret life as a gay man come out to his congregation and family.
2. “Fix My Transgender Life” – This episode explored the challenges faced by a transgender woman and her family, including issues related to acceptance, identity, and self-worth.
3. “Fix My Reality Star Life” – This episode featured reality TV stars who were struggling with addiction, self-esteem, and relationships, and Iyanla helped them confront their issues and find healing.
4. “Fix My Broken Family” – In this episode, Iyanla worked with a family who had been torn apart by infidelity, betrayal, and resentment, helping them to heal and rebuild their relationships.
5. “Fix My Loveless Marriage” – This episode dealt with a couple who were on the brink of divorce due to communication breakdown, trust issues, and unresolved past traumas.

Each episode of “Iyanla: Fix My Life” is unique and offers insights into the human experience, and the show’s profound impact is a testament to the power of healing and transformation.

Looking for the best music stores to satisfy your musical needs? Check out our top 10 picks for musicians and music lovers alike!

Whether you’re a professional musician or just a music lover, finding the right music store can make all the difference. From instruments to sheet music, accessories to repairs, we’ve compiled a list of the top 10 music stores that cater to all your musical needs. Check them out and start making beautiful music today!

Guitar Center

Guitar Center is one of the largest music stores in the world, with over 280 locations across the United States. They offer a wide range of instruments, including guitars, basses, drums, keyboards, and more. They also have a large selection of accessories, such as strings, picks, and cables. Guitar Center also offers repair services and music lessons for all skill levels. With their extensive inventory and knowledgeable staff, Guitar Center is a go-to destination for musicians of all genres.

Sam Ash Music

Sam Ash Music is another popular music store chain with over 45 locations across the United States. They offer a wide range of instruments, including guitars, basses, drums, keyboards, and more. They also have a large selection of accessories, such as strings, picks, and cables. In addition to their retail stores, Sam Ash Music also has a robust online store with competitive pricing and fast shipping. They also offer repair services and music lessons for all skill levels. With its extensive inventory and knowledgeable staff, Sam Ash Music is a great option for musicians and music lovers alike.

Sweetwater

Sweetwater Music is a leading music store that offers a wide range of musical instruments, equipment, and accessories. They have a massive inventory of guitars, basses, drums, keyboards, and more and a vast selection of recording and live sound equipment. Sweetwater Music also offers free shipping on most orders, a 2-year warranty on most products, and a 30-day return policy. They also have a team of knowledgeable sales engineers who can help you find the perfect gear for your needs. With their exceptional customer service and extensive inventory, Sweetwater Music is the ultimate music store for musicians.

Musician’s Friend

Musician’s Friend is a popular music store that offers a wide range of musical instruments, equipment, and accessories. They have a massive inventory of guitars, basses, drums, keyboards, and more, as well as a vast selection of recording and live sound equipment. Musician’s Friend also offers free shipping on most orders, a 45-day return policy, and a price match guarantee. They also have a team of knowledgeable sales engineers who can help you find the perfect gear for your needs. With their exceptional customer service and extensive inventory, Musician’s Friend is a top choice for musicians and music lovers alike.

Reverb

Reverb is an online marketplace that specializes in buying and selling new and used music gear. They have a massive inventory of guitars, basses, drums, keyboards, and more, as well as recording and live sound equipment. Reverb also offers a buyer protection program, which ensures that buyers receive their purchases as described or get their money back. Additionally, they have a team of experts who can help you with any questions or concerns you may have. With their vast selection and reliable service, Reverb is a top choice for musicians and music lovers looking to buy or sell gear online.

The Top Music Stores for Finding Rare and Vintage Vinyl Records

Looking for rare and vintage vinyl records? Check out our list of the top music stores that specialize in hard-to-find gems. Are you a music lover on the hunt for rare and vintage vinyl records? Look no further than these top music stores that specialize in hard-to-find gems. From classic rock to jazz to hip hop, these stores have something for every music enthusiast.

Amoeba Music (Los Angeles, San Francisco, Berkeley)

Amoeba Music is a legendary music store with locations in Los Angeles, San Francisco, and Berkeley. Known for its vast selection of vinyl records, CDs, and DVDs, Amoeba Music is a must-visit destination for music lovers. The store also hosts live performances and events, making it a hub for the local music community. With a focus on independent and underground artists, Amoeba Music is the perfect place to discover new music and find rare and vintage vinyl records.

Dusty Groove (Chicago)

Dusty Groove is a Chicago-based music store that specializes in rare and vintage vinyl records, as well as CDs, DVDs, and other music-related merchandise. With a focus on soul, jazz, funk, and world music, Dusty Groove has a vast selection of hard-to-find gems that will satisfy even the most discerning music collector. The store also has an online shop, making it easy to browse and purchase records from anywhere in the world.

Reckless Records (Chicago)

Reckless Records is a Chicago-based music store that has been a staple in the city’s music scene since 1989. With three locations in the city, Reckless Records has a vast selection of new and used vinyl records, CDs, DVDs, and other music-related merchandise. The store is known for its knowledgeable staff and its focus on indie rock, punk, and alternative music. Reckless Records also has an online shop, making it easy to browse and purchase records from anywhere in the world.

Rough Trade (Brooklyn, London)

Rough Trade is a music store with locations in Brooklyn and London that specializes in indie, alternative, and underground music. The store has a vast selection of vinyl records, CDs, and cassettes, as well as books, magazines, and other music-related merchandise. Rough Trade is known for its live music events and in-store performances, which have featured artists such as Vampire Weekend, The National, and St. Vincent. The store also has an online shop, making it easy to browse and purchase records from anywhere in the world.

Waterloo Records (Austin)

Waterloo Records is a beloved music store located in the heart of Austin, Texas. The store has been a staple of the city’s music scene since it opened in 1982 and has a reputation for its extensive collection of vinyl records. Waterloo Records specializes in indie, rock, and alternative music, but also carries a wide range of other genres. The store hosts regular in-store performances and signings, and has welcomed artists such as Willie Nelson, Arcade Fire, and Spoon. Waterloo Records also has an online store, making it easy for music lovers to shop from anywhere in the world.