Whispers Of Black On Black Crime

There is a known crime wave that's been around for over 100 years and counting where other blacks or African Americans inflict pain or punishment on their own kind. No it isn't talked about on the local or national news and nothing is ever published about it in the local or national newspapers. But its well known and only talked or whispered about within the African American community. Everyday, every second, minute or hour African Americans or blacks are being murdered by their own kind. The fact is over 9,300 African Americans are murdered every year, with 93 percent of them being committed by their own kind. And that's not even counting the countless assaults, rapes, robberies or other crimes that are being committed on a daily basis. Why isn't this talked about or being reported? No one knows, but if an African American or black person is killed or murdered by a policeman or by another race there is an uproar within African American community, local or national Preachers, Pastors or the Black Lives Matter movement and the local or national news will have a field day reporting it.

 One main fact that all Americans should be aware of is that Black Americans are killed at 12 times the rate of people in other developed countries and no one is talking about it. The offending rate for blacks was almost 8 times higher than whites, and the victim rate 6 times higher. Most homicides were interracial, with 84%of white victims killed by whites, and 93% of black victims killed by blacks. Also when it comes to mass murders, when it happens in the African American community is far more server than any that are reported by the local or nation new agencies. The question is why isn't anyone talking or trying to stop African Americans from being killed or murdered by their own kind? Where is the local or national news media and where are all the Pastors, Preachers or Black Lives Matters movement? Where are the Governors, President of the United States or others politicians when it comes to this issue? If Black Lives. really mean so much to a community why aren't they trying to solve or fix the issue of, black on black crime? Why when a crime is being committed within the black community there are only talks on the streets or rumors of," Whispers Of Black On Black Crime? "

W.A.N.

Building Your Credit, While Making Money At The Same Time

Since becoming a finance manager for a local car dealership and assisting or helping clients acquire car loans or personal, I have found that many Americans lack a education when it comes to building their credit or managing their money. The main reasons for that is because this subject isn't taught in schools or being taught by their parents. If it were there wouldn't be so many American with little, bad or no credit scores at all. The fact is most Americans don't realize that having a good or great credit scores are very important and having a bad one could follow them 7 years or beyond. Without a good or great credit score some or most will be denied credit on things such as acquiring an auto loan, lease of apartment, eligibility of employment, purchasing a cell phone, personal or home loan and most hotels or car rental companies won't allow a person to rent a room or car without a major credit card. How important is credit? Lets put it this way without credit, in the credit world that person doesn't exist, people with bad or poor credit are treated like second hand citizens and those with good or above credit scores or ratings can almost write their own tickets. People with great credit scores get the best interest rates, can buy whatever they want, get a loan of any type in an instant and move first in line when trying to purchase a car, home or even when applying for employment.

The question is how does one build credit and what are the easy or simple steps to improve ones credit fast? After reading this blog I promise if you use these simple steps you too can start building your credit, while making money at the same time. The first thing a person must know before starting to build their credit is the credit bureau that whatever they do from this moment on will affect their lives forever. If you happen to be reading this I encourage you to take this very serious, because these steps will help you have a great credit score. Step one; get a unsecured credit card, sounds simple but in truth it isn't very easy. Why because most credit card companies won't approve a someone with bad, little or no credit. I know if you are reading this you may ask well if I need one to build credit how do I get one. That part is easy, all one has to do is go online then google credit card for bad or new credit users, after that's done just apply online. When approved then read the fine print , because you will find out that while this company or bank has approved you for the card it doesn't come without strings or a few little fee's attached. What are these strings or fee's, up front charges that the company or bank doesn't want you to pay up front. Sounds confusing? Let me explain if you apply for a Visa or MasterCard and have bad, little or no credit the company or bank will charge you a few just for having the privilege of a credit card. A example of this practice is being approved for $300.00 but once the card being received, the user will only be able to use $150.00 of it. What did the credit company do? Charged the user $150.00 in fee's just to have a credit card. For those who may be alarmed by this, please don't be because there is an easy way around this. Just pay the $150.00 once you receive the card and when used pay the balanced owed before the end of the month. Why you may ask? So that the credit company wont be able to charge you interest. Do this each time you make a purchase with your card and very soon the credit card company will raise your limit in an attempt to get you too make more purchases. Even if they raise your limit to $1000.00 never charge or purchase what you can't afford to pay off. Also by the credit company or bank raising your limit it also raises your credit score, as much as 100 points every 3 months. Which means you could have a credit score as high as 600 or even higher!

Another way to build credit is by taking a small simple interest loan, even if you don't need it. If a loan company or bank wants to loan you some money, borrow it , then put it in the bank and use the money you borrowed to pay the payments. Do this for 8 months straight with payments on time and watch your credit score rise while you make your payments. Also while the money you borrowed is in your bank you will make money on interest for the time it spent sitting in your checking or savings account. You may also take the money you borrowed and invest it in Cd's or in the stock market, but doing so comes with certain risk. Investing in the stock market one could loose or gain money with an up or down turn in the market. Investing in a Cd requires the money invested  to be secured for at least 1 or  2 years before an investor could regain the use of it. In life, investing and building ones credit come with risk. But the reward by doing these things for out weigh any risk taken. If a person is truly serious about building their credit quickly with an eye on making money, these are the easy and simple steps to do it. If you have little, none or even bad credit these steps will help you achieve a higher credit score and you will also be Building Your Credit, While Making Money At The Same Time.
W.A.N.

Keep The Dream Alive

For those who may think this just a normal or simple holiday, let me remind you of something. Those trips to the mall, dinning out at your favorite restaurant , using a public bathroom and being employed are just some of the things many of us now take for granted. If it wasn't for those special people(civil rights leaders) in our past who fought for our freedom and our rights, then none of us would be able to enjoy even the simple things we do today. Now millions of African Americans now can live and go after their dreams or desires. Lets keep Martin Luther Kings dream alive and start honoring his wishes by coming together as one. Stop the violence, stop the senseless killings and please stop the stupidity. Lets come together as one proud people under God! Peace be to you all and please lets keep the dream alive!
Enjoy then remember the late Martin Luther King,
W.A.N.