When we see things happening in society and fail to QUESTION it, we are actually, failing to grow. If we are not part of the solution, we are part of the problem. Why is most of society in poverty? Why are there so many homeless people on the streets in every city you visit? Why are there so many children in foster care? Why do we have so many in private prisons? Why isn’t financial education courses taught in schools? Why are history books so outdated? Makes you think, right?! I hope so. Ask the questions, think of solutions, we can make a difference. Song by Billy Holiday “God Bless the child”.

Them that’s got shall get Them that’s not shall lose So the Bible said and it still is news Mama may have, Papa may have But God bless the child that’s got his own That’s got his own
Yes, the strong gets more While the weak ones fade Empty pockets don’t ever make the grade Mama may have, Papa may have But God bless the child that’s got his own That’s got his own
Money, you’ve got lots of friends Crowding round the door When you’re gone and spending ends They don’t come no more Rich relations give Crust of bread and such You can help yourself But don’t take too much Mama may have, Papa may have But God bless the child that’s got his own That’s got his own

Make That Change

  • Take a look in the mirror
  • Be the change you want to see in the world
  • When you think about quitting, think about why you started
  • Read a self-development book, gain more knowledge
  • Each one teach one
  • Surround yourself with positive, supportive and successful people

Keep on improving and learning people. Ask the hard questions and then do something about it.

I hope you enjoyed reading my thoughts on life. Like, share and/or comment. Strong families, create strong communities, and nations! Feel me?

Thanks for reading, until next time…

Peace, Love, and Prosperity,

ET – Your Financial Literacy Advocate

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credit-vs-debit-2While shopping this holiday season, remember that the Federal Reserve is closed on the holidays. Why does this matter, you may ask yourself. Well, here is why it matters:

  1. Signing for your purchases (choosing credit): When the Federal Reserve is closed, your transactions are not posted to your bank account or credit card in real-time. Basically it’s delayed until the next business day. So the money in your account from Friday isn’t the money you will have after Monday. You must deduct all of your receipts from your shopping adventure BEFORE you spend another penny to be sure that there is enough money to cover those gifts. If you have already done this- great, you should be set.
  2. When using debit (entering your PIN), the money is deducted immediately (real-time) and shows as pending on your account activity. This is the best option in my opinion; however, that choice is yours’ to make. So, if you choose to use method number (1), just follow the instructions provided.
  3. Balance your register (checkbook)- this will determine if you’re on point with your spending from the start and after the bank has updated their systems with all your holiday shopping. In this instance, on Tuesday night.

The most important thing about this post is to prevent insufficient fund fees from hitting your account. Being mindful of your spending habits/triggers will help to relieve anxiety before, during and after the holidays. Trust me, your friendly customer service representatives at the bank will thank you. winkingsmiley

My years of customer service training is definitely serving its purpose and I appreciate the opportunity to share with you some of my experiences in finance. Thanks for reading, remember to like, share, and/or comment!

Happy Holidays! See you next year. Until then..

Wishing you and yours peace, love, and prosperity

ET

*featured image credit to rightful owner

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giving back

Source: The ENTowner Build a Legacy, Inc.

Giving back to community. #Be about it , not just talk about it. #empower #knowledge #author#conscious

#love conquers all “…but above all things- be true to yourself and your purpose”~ ET

#entbuildalegacy #live your legacy, Walk in your #legacy. #abundance #inspire #motivate #educate

     This journey of self-discovery has been amazing. Also, very challenging. If you are a first time author, you know exactly what I mean. Even seasoned authors will attest to the amount of time and effort that goes into living in your purpose and how overwhelming it can be at times. For some it’s all about the fame and glory, if that’s all you’re in it for that’s fine. As for me, I have a different agenda and if fame and glory, riches and wealth come with it, that was a part of my destiny all along.

I’m so glad that I decided to walk out in faith although I almost didn’t because of fear of failure or not being perfect. Every post I share with you has been about my growth as an individual and I hope that my experiences in life will shed light on the power of believing in yourself, and persevering through uncertainty.

It’s been a long day and now I’m ready for some relaxation. So, I thought I’d type a few words here and call it a night. Look for my next few articles where I discuss some things I learned from self-publishing. Like whether it’s a good idea to use a vanity publisher or not and what to look out for if you do.

That’s all for now. Until next time…
Peace, Love, and Prosperity,
ET (signing off)

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