Tag Archives: money

Black Homeowner Vulnerability And Misguidance

The Black man and the Black woman are still in a peculiar economic and social position across the entire globe. As the African Union is currently making dynamic strides and strong political moves to solidify a much long overdue stake-hold of the great continent of resource rich Africa, the Black world is still positioned to beg for change instead of creating it for themselves.

The African American Union is nowhere to be found. While the resources of Africa are still being squabbled over, and their Black political body seems to be continuing their own economic and sociopolitical fight to retrieve what was lost, the economic and sociopolitical body of Black American is still maintained within the crux of a dominant white and Eurocentric value system. The Black American still to this day finds him and herself evaluating his and her success against the white man and the white woman. It appears that it will be another fifteen generations until the Black man and woman in America understand that it is only through ethnocentric reevaluation from which true cultural and community wealth is built. The Black man and woman have not learned this and much of the problem can be attributed to the psychic violence against Black people from the omnipresent barrage of American popular culture, which teaches everyone to believe in their own individuality and self success attaining prowess. This ideology is suitable for many white people, but is not for the majority of Black people. Black people as a community cannot afford to uplift one singular individual up and out of the Black community. That process of elimination is nothing more than an exiting of our most valuable resource and that is the successful and economically enriching human resource. Our community mechanism is a very different one from any other and it is imperative to maintain our most precious assets as much as possible. These individuals must be able to bring back to the Black community what they have obtained and intelligently diffuse their wealth in a manner which will benefit them as well as the community as a whole. The Chinese and the Koreans do it, so can we.

The Washington Post recently published a series of articles about the economic downfall of homeowners living in Prince George’s County, Maryland, just outside of Washington DC.


Prince George’s County, historically within the last twenty years, was known as the neighborhood with the largest concentration of Black millionaires. Unfortunately when the subprime lending scandal blew over and many homeowners lost their home equity, Prince George’s County was one neighborhood that was hit the hardest. The predominately white communities surrounding the predominately Black enclaves have been able to recoup the majority of their equity since, however the Black neighborhoods have not been. The main reason is because no one wants to move into an all Black neighborhood simply because of this country’s racist psychology about Black people. This Black neighborhood boycott has kept the property value down in this particular neighborhood and the homeowners who have managed to stay are at their wits end. The problem is also compounded by Black people who flee the neighborhood, and rightfully so if they believe they are ruining their children’s future, and the Black people who boycott the neighborhood and choose to buy in the predominately white community believing their home equity is safer there. It is understandable to make these decisions from an individual standpoint, but this thinking only furthers the vulnerability of the Black community. It renders the Black communities as nothing more than neighborhoods, until another group buys in and creates a community out of what we have disposed of.

It is situations like the one in Prince George’s county when an African American Union would have probably done some good. Their could have been an effort to garner some financial and homeowner guidance to the community which could have educated them about the reality of American homeownership and real estate. The fact is that affluent Black people love to live around other affluent Black people and it is more important to protect the fact than to wish it the best and let it fend for itself. Those homeowners could have had an educated and culturally responsible real estate professional inform them of some of the pitfalls of refinancing and accepting new mortgage terms with new lenders. They could have probably been educated on the fact that home equity is not as important as holding on to the tangible asset of the actual home and the land in order to pass on to their children. They could have been informed of the reality of debt and how to manage it in a mature way so that even after accepting an initial loan that may have been out of reach when they first signed, that the community could have pooled their money together to save itself in entirety.

We must come together in order to defend ourselves from the economic and psychic violence which has plagued us for five hundred years. Too many of us are economically vulnerable and psychologically misguided. We can only reshape our children’s destinies for the better if we form true Black communities and work for ourselves together.



Funk Flex Should Have Texted HOV Back

Funk Master Flex made the critical mistake that a lot of Black people make in business, and that is becoming emotional. Under no circumstances was it or is it ever okay to publicize your private business conversation before you and the individual you are doing business with have collectively resolved your business matter and or subsequent business transaction. Whether Funk Flex understood that HOV was reaching out to him for business or personal matters is a nonissue. He may now have ruined a good business opportunity which could have benefitted both individuals, or at the least found out some vital information that could have aided in his further success.

As comical as the radio rant may have been, it did not add any substantial nominal gains for his brand and it probably strained a good working and beneficial business relationship. It was simply immature and exhibited poor business etiquette and lack of savvy.

It was corny.



Mau Mau

You are scared, Black America. Not me. I am a fearless warlord bent on the overthrow of all of my enemies. I will take absolutely no prisoners. This warning goes for all who transgress my will, including the Black man who is loyal to my enemies. I write this to you in plain English. Take heed!

I am the Mau Mau. I am a nation within my own self. My borders are universal. I defend my borders to the death and I will not die. I impose strict tariffs on foreign exchanges. I set rigid embargoes on transgressive aliens. I do not invite the merchant from outside of my own market. He and his children are not welcome to satellite just beyond my horizons. This is no empire or kingdom. This is the law of the universe. Anyone who does not obey will be struck down and so will their descendants. There is no economy without my own permission.

My market only adheres to the Mau Mau codes. Mau Mau markets only. That means no products in or out that are not products of Mau Mau. The penalty for not observing this simple code is annihilation.

The border of Mau Mau is unlimited. Wherever there is Mau Mau there is Mau Mau law. This simple understanding will not be misunderstood by anyone, or else face extermination.

Tariffs in excess are imposed on all foreigners. These levies must be paid and all tolls must be garnished by the rule of Mau Mau. Any deviation of this directive will result in execution.

An embargo on all products alien to Mau Mau is predetermined by Mau Mau law. There is no inspection and only an exclusion of all alien products. Any breach of this statute is subject to the policy of immediate eradication.

I am Mau Mau and this is my eternal will.

“In my opinion, not only in Mississippi and Alabama, but even right here in New York City you and I can best learn how to get real freedom by studying how Kenyatta brought it to his people in Kenya, and how Odinga helped him, and the excellent job that was done by the Mau Mau Freedom Fighters. In fact, that’s what we need in Mississippi… In Mississippi we need a Mau Mau. In Alabama we need a Mau Mau. In Georgia we need a Mau Mau. Right here in Harlem in New York City we need a Mau Mau.” – Malcolm X


A Message Concerning The White Rapper

Now is the time for the Black nation to hold all of its guests, welcomed and unwelcome, to be accountable for their tribute to the Black nation. The white rapper has been allowed to enter within the borders of the Black nation, whether escorted or granted access, and has often gained much success from the commodity of the Black culture. The white rapper has time and time again used the Black culture to take from the Black market and resale their derived version of the Black culture to other markets. Meanwhile, the Black rapper watches as their own access to those same markets are limited to less than that of the white rapper. The white rapper has yet to offer their own contribution to the Black nation for the escorted and granted access into the Black culture and their gainful success from it. It is time for the Black nation to demand the white rapper prove to the Black nation they are worthy for further acceptance. Otherwise, the Black nation must disassociate itself with the white rapper and consider them an invader, an exploiter, and a thief.

Hip Hop and Rap music is a Black form of art. It is not a white form of art. Most people will agree, and anyone who does not agree is trying to fool their own self. Black people can and do sell Hip Hop and Rap music, and are successful at doing it. That is not an issue. Black artists do not have a problem independently entering the industrial markets of the music world and selling their recordings and performances for a profit. There are plenty of past and current examples of Black individuals who successfully exchange their products in multiple arenas of the entertainment industry. The Black nation supports these artists, whether someone believes it or not, the same way it always has and that is mainly through validation. Unfortunately, many people believe that Black people do not make up a significant amount of the consumer record sales and that it is pointless to cater to the Black demographic if you want to sell music, or entertainment as a whole. That is a lie. Black people are a large portion of the consumer body worldwide and make up a great amount of consumer record sales, when it is valid to do so. The Black consumer, however excessive to some or perceivably invaluable to others, is not a foolish consumer. It is time for the Black nation to openly reject these lies and rid itself of those who exploit its markets.

The Black market is the essence of Hip Hop and Rap. Hip Hop and Rap is a product of the Black market. The lyrics and the instrumentals are all forms and developments of Black market intricacies, and more importantly, Black culture. You cannot use Hip Hop and Rap as a product without using Black culture and the Black market. In many ways, Black culture and Hip Hop as well as Rap and the Black market are all one in the same. So it does not make economical sense to the Black nation for someone who is not a direct and natural product of these entities to take from them, amass wealth from them, then show no evidence of redistributing any wealth directly back to them. It is time for the Black nation to point out all perpetrators who delve in these acts of piracy, and even those who commit treason to allow it. Point them out and demand they submit to retribution. Otherwise, the Black nation should no longer accept them as a representative of Black culture. They must be invalidated.

The Black people who have escorted and granted the white rapper access should be the first within the Black nation to demand they redistribute their gains back to the Black nation from which it came. Their products are a product of the Black nation, and those products represent and redefine the solace in despair and poverty of the Black nation. The sale of the deprived image given to them by the Black nation is one they do not own themselves, and the mask they wear is a Black face painted white. They do what the Black rapper does and instead of being called coon they are called edgy. They do what the Black rapper does and instead of being called a whore they are called seductive. They do what the Black rapper does and instead of being called nasty they are called racy. They do what the Black rapper does and instead of being called racist they are called political. They do what the Black rapper does and instead of being called ignorant, they in fact are called genius. They cannot do all of this without prior access and validation by the Black nation, because it would not make sense or be accepted by other markets if this were not the case. No one in any market enjoys spending their money on a product which is not certified as authentic. It is time the Black nation pressure the white rapper to show their hand in the uplifting of the Black nation. The Black nation must see this now, otherwise it must close the doors on these cheapskates and hoodwinks.

The Black nation must now see those who enter within its border act according to the uplifting and development of the global Black nation. The Black nation must demand these characters and actors redistribute back into it from their own disproportionate wealth gained from the used and abused culture of the Black nation. It is not the Chinese, Japanese or Asian culture from which the white rapper is imitating. It is not the Arab or Jewish culture from which the white rapper is imitating. It is not the Latin or South American nations from which the white rapper is imitating. Most of all, it is not their own European culture from which the white rapper is imitating. It is the Black nation from which the white rapper is imitating. The Black nation owes it to itself to demand the unpaid arrears the white rapper owes it for their ongoing campaign to seek Black validation in self serving entertainment endeavors which do nothing to benefit the Black nation. By not benefitting the Black nation, these white rappers’ allowed and self aggrandized neglect toward their agency to the Black nation does more to degrade the Black nation than it does to build the image of the white rapper. The Black nation must recognize this as evidence it has to set an embargo on fraudulence and begin to demand and reap these too often and long squandered earnings which leave its market and never return.

It is time, Black nation.


Create Money

My son is a rich man. He’s not even born yet. His mother and I have created wealth for him before he can conceive of it for himself. My mother and father created this wealth for him, even before I could conceive of it. Their mothers and fathers created wealth for them as well. We are all rich people. As long as one lives he or she is rich, however one must recognize and realize this fact of matter. Our wealth is passed down from the generations before us. Our job is to receive it, create more wealth from it, and deliver it to others.

Money is a representation of time and how that time is or was spent. The value of that time spent is relative to the magnitude at which that time spent is or was worth to others. The more the time spent is worth for others then the more value there is to the money which represents it. Money means absolutely nothing without someone to signify its value. A dollar in the hands of no one is nothing more than a worthless shred of paper. It is a figment of matter which will erode in time if left unattended. One must attend to it and deliver it to another in order for it to matter. One who receives it must acknowledge it as a valuable note of time spent for it to belong to a derived currency of exchangeable commodity. This is the meaning and essence of money.

We perceive ourselves as either rich or poor even without money. Money does not determine the state of being rich or poor, rather it represents the state of the time spent amongst the perceived rich and the poor, whether delivered or received. The poor can deliver money to the rich and neither party feel either rich or poor. Likewise, the rich can deliver to the poor and both feel rich. The rich can believe they are poor, and the poor can believe they are rich, all while no one possesses any money. The fact is, the state of being rich or poor is based solely on how one perceives themselves and more importantly how their time has been spent. This idea is rooted into the sayings “time is money” and “money is no object.” However, those sayings are misleading, because time in fact is not money and money is actually an object. The truer saying is money represents time spent. How well or how poor someone spends their time is not a representation of money, however it does represent itself in their feeling of wealth or poverty. One must have a clear understanding of the difference between time and money in order to amass wealth.

Getting money is quite simple. Often times money is usually laying on the ground unbothered for anyone to casually pick it up and put it in their pocket. Most people walk by pennies and nickels everyday and pay them no mind because they feel it is not enough money to care to stop what they are doing to obtain it. It is understandable that such a small amount in the currency of today someone would care less about these coins and little bits of loose change, but this is one of the easiest and most convenient ways to get money. After all, if getting money is all someone would want in life then there it is sitting right there for them with very little effort to receive it. It is the idea that getting money will create wealth that leads a person astray and misguided. They will spend all of their time doing whatever it takes, whether time spent well or time spent poorly, all for the simple task of getting money. Most of the time the money they receive from simply trying to get money is not enough to satisfy their true and instinctual goal of amassing wealth. They do not feel wealthy once they get the money they’ve been seeking so they continue spending their time trying to get more money and begin to believe to themselves that they are in fact poor. They feel poor all the time while trying to get money because they do not have the amount of money they believe they need or want in order for them to feel wealthy. They have confused getting money with wealth, and have not seen the difference between the time they’ve spent and the money they have received for it. The two things are not the same. They cannot tell that others have not valued the time they’ve spent the way they would like them to because they were so focused on getting money that all others had to do was deliver them a calculated amount of it without having to truly appreciate them or their time in exchange. That is time spent poorly. While questing to get money they do not notice most of all that they are not spending their time well with others! They are selfishly seeking the object of money in exchange for this unappreciated time, therefore they receive what is current to the value of that time spent with others, which consequentially is of little value. Simply getting money will most likely lead to one simply getting money and nothing more. One would have to make believe they are rich in order for spending all their time only to get money to be fulfilling and equal to building wealth.

It is the creation of money which is equal to amassing and building wealth! Once the difference between time and money is clear then a person will spend all of their time well and wisely! They will appreciate others and will share meaningful time and energy with them. Ideas will be exchanged and innovative products and new tangible creations will arise. It is the time well spent that will garner more from others. The service of one another’s time and energy being appreciated will equate to higher values and substantially gainful working relationships. In time, these relations will cultivate networks of thinkers, builders, and energetic intellectuals who agree to work and share the time it takes to create the products one would want and more than that, but need! You see, it is the time well spent with others which creates those products we spend so much of our time to obtain. It is the time well spent that is of highest value to everyone! You cannot amass and build wealth based upon poorly spent time. Your time spent poorly will not equate to a fortune. However, one may get plenty of money while spending all of their time poorly. It is not a matter! Time spent poorly does not matter at all. One will have to believe he or she is rich in order to enjoy spending their time poorly. Why delude in such an idiotic perplexity? Spending time well and wisely is truly fulfilling and leads to actual wealth! You see the difference! Money is an object! Time well spent is wealth! They are different and will never be the same thing. Nevertheless, money can surely be created and gotten through one spending all of his or her time very well with others! It is key to first notice how well one spends their time alone which must be mastered. Only then will others see the worth in appreciating their own time spent with that him or her. Time spent well alone through seeking what it is that is worth building and creating is the beginning of amassing wealth. The creation of wealth starts by first thinking about it to oneself! One must then develop their wealthy creation and offer to share it with others. It will surely be greatly appreciated no matter how much or how little in the beginning. It will grow wealth so long as one continues to build upon it with more time well spent. To create money is to create an idea worthy of others spending their time well with that same idea. That is how wealth is built! This is how money is created. One must understand how to create money.


Penguin Economics And The Idea Of Circularism

One day about three years ago I was laying on my living room couch and had what most would call an epiphany. Some people think that moments of clarity only happen once or twice in a lifetime, however I’m lucky to say I’ve had several in my 30 years on Earth. They’re lasting milestones in my thinking and I never forget what the memory taught me. This particular time it was a very simple concept that continued to grow and develop in my mind over the course of a year. I guess it’s still in development because yesterday it struck a new cord.

The idea is a common notion, except it is articulated very soundly in my mind. I’ll start with the basic element, which is a circle. To breeze over some deep and nerdy geometrical and mechanical physics lessons, you have to fully understand that there are no mathematical equivalents to what is considered a straight line. In short, straight lines don’t exist in nature. They are solely figments of intellectual design. What do occur in nature are fractals. To keep it simple, it is nature’s way of creating the illusion of a straight line. You see fractals when you look at a snowflake in a microscope, or when you gaze at a spiderweb. What’s interesting to one who may not know much about fractals is that they’re created by curves and semi circles, thousands of them. So until otherwise discovered thru modern science, everything in all ways are a part of and constructed by three hundred and sixty degree elemental parts.

That leads me to the first phase of my notion. Imagine a picture of a galaxy. Use a picture of the Milky Way if it makes things easier. Observe how there’s more light in the center than on the outskirts of it. Science has proven that a tremendous amount of energy resides in the center and less of it on the outlying parts. Similarly, this is the function with other observed galaxies in our close proximal universe. This happens with most sources of light in general, the center has more energy than its edges. No reason to explain why because it’s a known fact. What’s important to note is that at some point, whatever is furtherest away from the center of these systems will inevitably find its way to the center. It is also true in just about any instance of a self generating energy source like our Sun, and even the Earth. These are natural examples of self sustaining energy sources, as well as life forms.

Before I go into the next part of my thought, let me say that humans are not penguins and penguins don’t use money. That being said, I think people can learn a lot about how we use money from penguins.

I’m a capitalist. I don’t think I’d choose any other economic philosophy currently in practice today to thrive within. I believe capitalism is the best option on the market right now. I do however think there can be something better. What about something like “Circularism?” Not based on the paradigm of a triangle, but simply a circle instead. Circularism has more wealth in the center instead of the top, and the working class revolving around it instead of at the bottom holding it up. Not socialism, and heavy government regulation. Plain science and physics. Imagine an economy that distributes wealth in a natural cycle, that over time a population will have regenerated its own wealth throughout its entire self by simple geometrical forces. Take in account that goverment regulation is unavoidable to any economic philosophy, but regulation doesn’t have to be a determinate in whether a philosophy works well or not. The most crucial element to the cultivation of an economic philosophy is fear. Fear drives every social phenomenon.

Now that I’ve formed my basis, described my model, and presented my concept, let me elaborate on what I believe. As we creep into the mid part of this century, privacy will become more of a luxury to us than it is a commodity to us currently. Our privacy has everything to do with the future of our global economy. The less privacy our community has, the less value can be placed into capitalism. Wealth cannot be hoarded in a glass vault. As technology becomes more and more invasive and people become just as extraverted online, the price of privacy will shoot to new heights. The inclination of wealth distribution in this new environment will undoubtedly shift, and not in favor of the wealthy. Who does that scare? The wealthy, of course. Trillions of dollars will be spent on keeping money secure for private citizens and corporations will come in droves to cash in on the new privacy and personal data industries. As cash money digitizes and the percentages of hard cash with dead presidents printed on them grows smaller, wallets will be all the more vulnerable to pick pockets. Not only will the cyber crooks be on the prowl, but advertisers, city agencies, retailers, and anyone who needs your money will have faster and faster and faster access to your assets. This isn’t a story from a science fiction novel. This is reality.

A person’s net worth isn’t anyone’s business until they’re in the public eye. Average people don’t want anyone to know how much money they have because they simply don’t have enough of it. If they did then it wouldn’t even matter to them who knew how much they had because it’s not like it’s gonna get up and hop into someone else’s bank account without raising some law abiding eyebrows. What’s interesting is how much personal information the average person openly submits to the public via the internet, as opposed to what personal info the wealthy do. You figure hey, we know everything about the wealthy already. We do know a lot about the people who control most of our wealth, but we don’t really know details. They’d love to keep it that way. That is where capitalism wins, for now. Soon there will be a new generation of wealthy citizens who have a different perspective on what’s private and what’s public information. These people will be the people who uploaded their first profile pictures onto social media when they were 13 years old. Privacy will have a whole new meaning and people will be a lot more public about everything. That is where capitalism begins to fade into history.

Personal bank accounts will be a public affair. Maybe not the Bank of America joint account with mom, or the Chase primary checking, or the Fidelity retirement account. These institutions will hold steady as long as they can. The new accounts will be the future of our global economy, the Bitcoin account, the Paypal account, the mobile wallet you downloaded and put $15 dollars in but have yet to use. These new economic technologies are going to revolutionize the exchange of money and assets. People are currently selling their homes on their iPhones. At that rate of exchange, it will be no time before people are verifying assets for sales via instant message. Why not have your entire portfolio listed online via your “This Is Everything I Have” profile? That way people can just open that up and see if you qualify for that business loan, or that mortgage for the condo you need in Florida. “Everyone’s doing it!” Just like every trend, people will be drawn to what is popular and what makes sense to them as a person in a group and not in solitude.

Circularism is an adaptation, and not a takeover or just another revolution. You cannot regulate fear, you can only react to it. The fears I described are fears of today that will grow into the future. Capitalism can’t sustain a healthy economy in an environment where privacy is a luxury. The more people know, the less they spend. Capitalists survive primarily on the grounds of access, and keeping others away from the commodity they have access to. Access is the fundamental key to information technology. Computers are on the brink of their own turning point. The quantum computer, which relies on quantum codes or the next version of binary code, to calculate algorithms. This will also raise the stakes of how quickly we will be able to access information. The future is very bright for snooping online.

Enter the industrial snooping age. Less work, more snooping on who’s doing work and how much work they’re doing. That’s the ticket to cyclical wealth distribution. I’m not talking about little old factory worker snooping on big giant corporate CEO’s accounts in the middle of the night on a laptop. I’m talking about the freelancer on the mobile device at a coffee shop going thru lists of public account profiles of other small business owners looking for a match for a new venture, on the “Venture Match App.” Goverment economic regulators and staunch capitalists didn’t see that one coming. It won’t be an invasion of privacy that will sit capitalism down in its rocking chair. It will be publicity that will turn the tides of wealth distribution and create a free flowing cycle of economic freedom for a larger proportion of our population. The faster people trade ideas, the faster people will trade their assets, the faster people will trade their wealth.

Of course the rich will still get richer, and the poor will still get poorer, but at what rate and at what ratio? A different one. Relative to the polarity of wealth distribution today, almost anything would be more ideal. How about everyone just be poor? That would actually be better than some people having nothing while one person has everything. I don’t want everyone to be poor, but I do believe some could do just fine with less. Extravagance has always set it’s foot stern into economy. It for the most part seems to turn the wheels of the capitalistic money machine. The thing is that extravagance still looks back at fear for motivation. So the light dims on extravagance as privacy becomes less abundant. A beacon is shone on stoicism when the public is not only watching, but is also the judge. Without fail, our global economy will have to endure multiple losses in the transition into the public data age. As our thoughts become a part of the exchange of communication at the click of a button, our wallets will soon be at the whim of the tide called hysteria. We can’t avoid these certain laws of social science. We can only adapt. The good thing is there will be a new philosophy to adapt to, and I believe that philosophy will be Circularism.

What do penguins have to do with global economy?

Illegal Immigrant With 7 Kids On Food Stamps And Public Assistance For 20 Years

This is interesting, to say the least.