Or stop by and see all the wonderful, unique collections that are only avaliable at Blak Goddess Boutique. They have it all. So stop on by today. You won't be disappointed!
Location: 4891 Bldg A Finlay Street Richmond, VA 23231
Hours of Operation:
Monday: Closed
Tues - Fri: 10AM - 5PM
Saturday: 10AM - 3PM
Sunday: Closed
Blak Goddess works with their clients to achieve ultimate personal service. Enjoy the luxury of personal styling and shopping that works around your budget. Our goal is to minimize both of these by providing a personal shopping service that meets your particular needs.
For all of your AVON needs you are only a click away avaliable 24 hours a day, 7 days a week all while enjoying FREE DELIVERY.
Teaching kids how to value money, how to balance a checkbook, and how to understand the purpose and use of a credit card are not taught in our school system. We systematically overlook these critical topics because our educational structure focuses only on the financial aspects as they relate to us in adulthood.
It is vital for kids to understand the value, usages, and respect of this exchange tool; call money, at an early age. This will convey the monetary value of our currency to kids, so they can understand money during the most receptive phase of their life – the adolescent stage.
A credit card is not a license to shop uncontrollably; credit cards are used and recognized all over the world as an acceptable form of monetary exchange. This instrument gives the cardholder significant buying power to purchase items at will – when used in a sensible manner.
Responsibility is the act of doing the right thing and making the right decision in any situation. It takes a responsible person to save money, balance a checkbook, use a credit or debit card, plan for college and shop smartly.
Are you responsible? ________
Kids Under$tanding Money
From Chapter One – Savings Account
As Tamari and Rojay converse back and forth about dividing their newly found money, Deena, the oldest of the bunch, says, “A penny is the lowest currency we have in this country, so, as Tamari said, ‘We can’t divide it evenly.’
She pauses for a second, with direct eye contact on the penny, she continues, “This penny will be mine and the next penny that we find will go to Tamari, because she’s the next…
From Chapter Two – Checking Account
Each month, Julio notices his parents writing out the bills religiously, so one day he asks his papa, “What is that paper you’re writing numbers, words, and then signing your signature on?”
His papa looks at him and says, “These are checks. We use them to pay our bills and make purchases with the money in our checking account.”
From Chapter Five – Smart Shopping
Lisa’s best friend, Carla, drove up and toots the horn, signaling the start of several hours of shopping at the mall.
But before Lisa can take a step out the front door, her mom approaches for a hug and kiss goodbye, and to instruct her little angel to shop responsibly, and to also remind her, that this ease of spending has gotten a lot of kids into financial trouble over the years.
From Chapter Six – Preparing For College
Going to college is not a free pass out of your parents’ house to have fun for three to five years; it’s a true test of your ability to live and survive away from home on your own. This period will set you up for the unexpected challenges the world has to offer in the future.
Apply for all the scholarships your have access to and prepare for your SAT and/or ACT examinations early to maximize the best score to make yourself more marketable
Chapter Nine – Retirement
Planning your retirement from an early age will allow you to secure a retirement exit point to leave the work force. You should also; plan an exit strategy to allow yourself the lifestyle you would like to live when you retire.
Putting money in a financial vessel, such as a Roth or a traditional Individual Retirement Account (IRA) and taking the stock options from your employer, will significantly prepare you for a retirement.
R. Edward Norwood was born in Brooklyn, New York. He earned a Bachelor degree in Human Resource Management from HawaiiPacificUniversity, Honolulu, Hawaii. With the release of Kid’s Under$tanding Money, he is now a children’s book author.
The subject of money is not taught in our school's curriculum, so, he’s passionate about exposing this topic to kids at an early age. He enjoys finance and provides financial help to family and friends, but, he’s most passionate about providing children’s literature to develop future financial habits to our youths.
For more information copy and paste http://rodwoodbooks.com/ or just
Its going to be very difficult for us to start doing things like working together in harmony, take back our Black hair industry, respecting each other etc etc, if we don’t first create an atmosphere that speaks to all these conditions. That’s what using the words Slave System mean and will create. This is something we can all do it will not cost you anything just a little effort is needed.
“Stop calling our fore father and mothers Slaves.” Just tell everyone our fore fathers and mothers were placed in the Slave System and that’s the way you are saying it from now on (Calling it by its rightful name). Calling them SLAVES
is a prim example of the slave system working in full bloom against us. Don’t try to explain it just make the statement. (Most people will understand because the statement speaks for itself.) It is not good to explain the Slave System but you can point to the things that most of us complain about, that’s the slave system. The slave system teaches us to always explain everything. When you explain everything it gives the Slave System information to make you sound like you don’t know what you are talking about. We don’t need words we need action. So don’t explain just keep saying you know longer accept the words SLAVE or SLAVERY anymore.
Ed Howard creator of the Kakakiki comb. Click here
To find out more about the Author
Give me 45 minutes and I'll teach you to change the way you think about and handle money...
is just SOME of the information you will find inside:
=> The first key to handling any money emergency. (Page 4) => The biggest mistake people make when they meet a financial crisis. (Page 5) => When to take out a home equity line of credit - and what to look out for when you do. (Page 5) => Why you should think twice before borrowing from your 401k or IRA. (Pages 5-6) => How smart citizens take on a hobby that can translate into cash when they're strapped. (Page 6) => How ignoring smaller details can lead to disaster. (Page 7) => The secret to planning ahead for unexpected (but inevitable) surprises. (Page 7) => How to put money away in an emergency fund - even when you don't think you have the discipline. (Pages 7-8) => A good rule of thumb for using credit cards ("...don't use the cards for anything can either [blank] or [blank]"). Best used when you can't get yourself to cut your plastic up. (Pages 8-9) => 7 ways to trim your expenses down each month starting at home. (Page 9) => The secret to creatively saving up a large chunk of cash just by reacting to everyday situations! (Like tipping your savings when you tip a waitress and 15 other ways to save.) (Pages 9-11) => 54 life changing financial tips to start adding to your life today (in the beginning, just try adding 2 or 3). (Pages 12-13) => 45 everyday tips for saving cash day in and day out (starting now)! (Pages 13-15) => 21 ways to keep your old lifestyle and save money doing it. (Pages 15-16) => 9 ways to save on energy costs around your home. (Pages 16-17) => The secret to keeping warm through the night even after turning the heat off (and it's not about piling on more blankets). (Page 18) => How to change the way you think about money. (Page 19) => How slightly changing your diet a few days out of the week could help you save $1,200 a year. (Page 20) => The "money-game" creative savers play to stock up a hefty chunk of cash. (Page 20) => What to do with those glossy catalogs that make it to your house (and tempt you). (Page 21)
Are you in desperate need of emergency cash? Get my guide right now and I'll teach you how to start finding extra dollars in all aspects of life. You'll learn how to cut out unnecessary costs and lighten the expense of others (like gas and energy prices). Just scroll up to see all the ways you can start putting together your emergency cash starting now. Once you do, your emergency will start to fit within a well organized plan that promises to get you back on track.
And best of all, you'll be able to sleep the whole night through, calm and cool, knowing your emergency is under control.
Since I have taken the step to start my own business. I have learned building a BRAND is very important. I wanted share with a website that is helpful increasing your google ratings by building brand awareness.
Ensure your business and employees are showing up positively in Google, engaging potential customers in social media, and tracking your reach and impact across the web.
Manage and grow your online reputation by building positive content around your name that shows up high in Google, promoting yourself to the right people on social media, and monitoring your progress as you build your personal brand.
FIND OUT YOUR BUSINESS GOOGLE GRADE
Some of the best features about Brand Yourself are
Free Website that can be built in minutes.
Connect your main social media accounts
Promote on Socials websites at once
and.....Find out "Who's talking about you"
In 2011, where everyone has a cell phone and people are logging on everyday, all the time, make sure you brand yourself and MONOTIZE everything you touch. Luv Ya. Peace.
Wanted: People Looking to Make Cash While Making Change!
Turn Your Business Card and Email Address Collection into Cash!
Would you like to build a solid income working in partnership with a successful Black business membership organization? Simply sharing the benefits of membership, which include the best internet marketing tools, discounts, savings, access to capital, networking and promotions.
Would you like to make an ongoing income just by referring Black businesses to any of your 17 websites? Could you use an extra $500 - $5000 per month or more? Want to make more than that?
Do you know two or three people who would like to have a business of their own but cannot afford the sometimes high start-up costs and risks associated with getting started?
Could you interest two or three people in a business opportunity, if these people knew up front that their business would be in profit after only a few sales? How about if they knew that their total investment would be only $27 per month, plus a little time and effort and their total reward would be virtually unlimited?
Could these two or three people do the same as you? Especially if doing so allowed them to have access to the same benefits, discounts, training, networking, support and unlimited earning potential?
How many new members would you and your network of associates enroll, if you knew you and they would earn residual income instantly. Plus an override bonus on all members placed within your Powerline?
If you're serious about making money while you learn how to make more money online, Black Business Builders is serious about you.
Check out all the details inside the Black Business Builders membership. You'll be very glad you did.
Here's my personal invitation to join Lucky Chic - the members-only, online sample sale with a fun twist! You now have the opportunity to start bidding on the hottest trends in fashion and luxury at up to 98% off.
LuckyChic.com is the premier online site where you can shop, bid and win must-have brands and luxury experiences. LuckyChic.com attracts the Web's growing consumer audience with the opportunity to win exclusive once-in-a-lifetime celebrity and travel experiences, and coveted retail merchandise in a variety of lifestyle verticals including fashion accessories, consumer electronics, beauty, home, and kitchen. Founded by tech entrepreneur Joel Fan, Lucky Chic was selected as one of 2010’s "Most Brilliant 100 Companies" by Entrepreneur Magazine.
Peace Everyone,
I hope all is going well with you. This is another opportunity that I think
you would love.
ZERO RISK, ZERO UPFRONT COST, GUARANTEED RESULTS!
For access to the information, go to: http://thecustomeradvantage.com and use my site-id: nailahpromo
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I am wondering if you can give me a little help. Nothing major, I would love to have your feedback on all of Nailah Promotions business venture that are launching.
If you have any questions ahead of time or just want to make sure this really came from me… contact me Nailah B @ [ 804-925-8133 ] or via email at nailahpromo@gmail.com
Join the fast-spreading movement to not buy gas on March 31st, 2011,
and together in unity we can show those big oil CEO's that we are fed up.
The idea is pretty simple: just don't buy gasoline on March 31
By filling up the day before the protest, organizers hope oil companies lose millions if not billions of dollars.
Instead of giving you money away try supporting a BLACK BUSINESS OWNER
If you do stop by a gas station and buy anything that isn't gas -- food, drinks, lottery tickets, charcoal, that ice scraper you've always wanted --
just don't pull up to the pump.
With the added publicity from the media, we are already making them nervous.
They are upset that a Facebook user Sarah Thompson (kudos for her)would create a day like this
but as the price of gas continue to increase, I agree that something need to be done.
Users on the site are constantly concerned if gas will rise to $5 or even $6 a gallon this summer.
"This is about taking a stand together against greedy people whose commodity happens to affect all other commodity prices," Thompson says.
And if you really want to save money at the gas pump, other way to help is to simple: drive less.
If you would like to participate in this event you can add yourself here: CLICK HERE
My Pastor, Dr Jackson will be a special guest tonight on Ayaba's Kitchen channel 95 (Comcast) and channel 36 or 63 (Verizon). Please tune in TONIGHT @ 9pm for another powerful interview that you don't want to miss!
**Upcoming Events:
JD HAZE LIV E@ REVELATIONS @SUNSET ANNIVERSARY EVENT SUN MAR 20. HARLEM CAFE 207W.BROAD. RICHMOND VA. ADV. TICKETS $8 IN ADVANCE $10 AT THE DOOR
THIS WILL BE A BLACK CARPET AFFAIR, BLACK IS THE COLOR OF THINGS. ...LIVE ENTERTAINMENT WILL CONSIST OF TWO BANDS, COMEDY,VOCALISTS, AND OF COURSE TRUE HIPHOP!!
Special Invitation to all SPIRITUAL, CONSCIOUS & CULTURAL CHILDREN OF THE MOST HIGH! Please join us at the SUAN for Worship Service this Sabbath (saturday) at 11:00am1423 Hull Street Richmond VA 23231 .
**Upcoming Events: Dr Neal Jackson will be a special guest live on Ayaba's Kitchen this Thursday. Please tune in to channel 95 @ 9:00pm! You don’t want to miss this...
**If you would like to visit the SUAN webpage, make online donations, tithes and/or offerings please visit suacnation.weebly.com.
HOLDINGS LLC is now hiring part-time professional, dependable, and hard working individuals in the position of Inventory Auditor for our office in RICHMOND, VA. We offer competitive wages/benefits and opportunities for advancement within our growing company. Minimum requirements are to be met for employment.
START DATE: MARCH 2011
-Salary: $7.25 - $12.00/hr (Based on Performance), plus $7.25/hr Travel Pay*
-High School Diploma/GED
-Reliable Transportation is a requirement to get to the office meets in the morning(we will provide transportation to and from the job sites).
-Must Pass Criminal Background Check
-Random Drug Screening (AICS is a Drug Free Employer. All employees are subject to random drug screening during employment).
-Early morning hours (will generally report to work between the hours of 3am-6am, sometimes earlier).
-Some Traveling is required to serve some of our out-of-town accounts. (Travel Pay* may apply to some of these accounts).
-Requires counting grocery items, materials, merchandise, supplies, equipment, etc...(may be asked to count in stockrooms and subzero freezers).
-Requires standing for long periods of time and bending to count merchandise stored in low places. Also the use of step ladders is required to count merchandise in hard to reach places.
-*Accuracy* (we are expected to be within a small margin of error when servicing our accounts)
-Training is provided before start, however experience in inventory auditing is a plus.
When responding to this ad, please be sure to include a reliable phone number where you can be reached.
You may also check us out online at WWW.AICSCOMPANIES.COM where you can learn more about our company.
Hey Everyone. I just finished my 1st video of ny personal testimony for "The Black Business Builders Club" I am so excited I wanted everyone to see. Feedback is welcomed and if you havent joined get in contact with me asap.
It's clear that the events in the world is commanding for each individual to take a more responsible path in their individual lives. So do that mean 2 more flat screen T.V.'s with the income tax this year? Or should the entire household have their passport I.D.s? Should it mean cash crops (investing in parcels of land for your own food) or Spring shopping in a world that's not going to care about what you have on in a period of anarchy?
Beautiful SeeAsia is sitting in for Isis 360, our resource Queen, providing us with an abundance of deals, loopholes, financial information, investments, etc. This week: SeeAsia is talking to the people about the best investments to make with your taxes this year. No more flat screen T.V.'s and useless gadgets that can't go with you when you die. Time to invest into what can give you a return back. Time to turn the falling dollar into a climbing investment that can save your life. 2/5/2011 - 9AM EASTERN STANDARD TIME (347) 994-3789
You can learn how to:
- Generate sales online
- Build your brand with video
- Package your ideas for profit
- Write a book in a weekend
- Get featured in print and broadcast media
- Attract a team with no money
- Create a 2-page document for investors
- Secure a celebrity endorser
- Go from websites to blogs
- Establish a community with social media
- Maintain a winner's mindset
- Partner with a non-profit
- Manage your time for maximum results
- Join a mastermind group
Thursday, January 20th
Doors open at 6:30pm EST. Event starts promptly at 7pm
TELEPHONE: RSVP to receive the dial-in information
Small Business Camp
Andrew Morrison is the founder of Small Business Camp - an entrepreneurial training and marketing services firm. In February of 2007, he trained 1,200 entrepreneurs in Nigeria, West Africa. The company delivers an intensive 2-day program that allows the participants to walk-in with just an idea and leave with a marketing plan, public relations strategy, money-making website, direct-mail campaign and 90 days of follow-up coaching. Previously he built a multi-million dollar company by providing innovative direct marketing services to Fortune 500 companies. He was featured in the Wall Street Journal, Entrepreneur Magazine, The Network Journal and Crain's Magazine 40 Under 40 and Advertising Age. He also appeared as a "Young Millionaire" on the Oprah Winfrey Show.
ClickBank pays you 75% when you sell WRITINGJOB's product.
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Membership Benefits, Resources, Tools & Training:
You Get a full set of totally complete and comprehensive Internet Marketing Audio & Video Training Tutorial Courses! You will be taught about Internet Marketing, Affiliate Marketing, CPA Marketing, Video Marketing, Network Marketing, Social Network Marketing and Viral Marketing and much more.
You Get a massive E-book & Software Library with hundreds of Private Label & Master Resell Rights products on a variety of personal and business related subjects. Use them to grow personally and professionally. Or simply find what you want to sell and you KEEP 100% of the Commissions!
You Get the right to send an Unlimited Amount of Audio and/or Video Messages to other members within the BBB Club. This is great for team and alliance building as well as for Training, Joint Ventures, Advertising, Promotions and Collaborations!
You Get the right to send an Unlimited Amount of Audio and/or Video Postcards to your friends, family, associates, prospects and general public to help promote whatever business or social interests you may have. You can even upload videos to the postcards from video sites like YouTube and put them on the cards along with your personal message and website links and contact information.
You Get the right to give away an Unlimited Amount of Travel, Entertainment & Shopping Certificates. This benefit gives you access to the best line up of promotional travel opportunities. Plus, packages for Entertainment, Shopping and Dining. They can be used for both online and offline promotions. Give them away to customers, clients, prospects, family and friends. Take a well deserved vacation yourself. PDF certificate files can be customized with your name and contact information.
You Get Daily Conference Calls, Bi-Weekly Training Calls, Free Business Website to Promote Your Primary Business or Interest, Several Promotional Club Websites Including One Like This and So Much More ... The List is too large to include everything on this page.
You Get an Affiliate ID with complete Back Office Administration and Member's Area which links you to a very Lucrative and Generous Membership Referral Pay Plan with UNLIMITED earning potential. This is NOT Multi-Level Marketing, NOT Cash Gifting, & NOT a Money Scheme or Scam.
We offer every Member who is interested in earning additional revenue with our Affiliate Program the opportunity to build a Solid, Ongoing Residual Income from the Sale of Membership Subscriptions. Participation in our Affiliate Program is totally optional.
The Black Business Builders Club is both an Exclusive and Inclusive Business Membership Network. People of All Races, Creeds, Colors, Nationalities, or Religions are invited to join.
Earn 40% per sale. Get bonus $10 for free
Program Details
Commission Type Pay-Per-Sale 30% for each sale you deliver.
Initial Deposit $10.00 USD - Just for signing up!
Payout Requirements $25.00 USD - Minimum balance required for payout.
Payout Duration Payments are made once per month, for the previous month.
Being a business owner is one of the best ways to become financially independent. However aspiring business owners face many obstacles. One of the many obstacles that potential business owners face is funding. A great idea is nothing without the proper funding needed to get it off the ground. Therefore one will have to find ways to fund one’s venture. If your desire is to own a business you should always set money aside. Here are five ways to fund your business ventures.
Create a Venture Fund
A venture fund is an account you use in order to fund your business ideas. A venture fund should be separated from your emergency fund. A venture fund should be allocated to monthly. Each time you get paid you may want to add to your venture fund. One can open a high interest rate saving account and have your funds directly deposited into the account.
Fire A Bill
One of the main reasons we cannot save money is the fact that we have too many bills. One of the best ways to fund your ventures is to have extra money. Having too many bills keeps you from getting an important source of funding. Therefore one of the best ways to build your entrepreneurship fund is to pick a bill or any bill and fire it. One has to make the necessary sacrifices in order to fulfill one’s dream. Look at your bills and choose one you can go without.
Borrow Money
One of the most conventional ways to fund a venture is to use other people’s money. One can get a bank loan to fund a venture. Banks are known to have high lending standards for businesses. In many cases banks would like you to personally be liable for the business. Meaning if the business fails you can be financially liable. Banks also require you to have an ironclad business plan. A secondary source of business financing is the Small Business Administration. The Small Business Administration is a federal agency desired to support small businesses. The Small Business Administration provides a great resource for aspiring business owners. One can apply for loans and grants from the SBA. A loan requires that you pay back the principal and the interest to the lender. The lender has rights to the assets of one’s business if the loans are not successful. Equity
Another source of business funding is equity. Business owners can sell equity in their business to venture capitalist and angel investors. The tradeoff is that the funding source will have ownership in your business. They will also have rights to the profit of your business. In many cases they will also want to be able to govern the decisions of your business. This can be good or bad depending on the venture capital you are working with. Finding angel investors and venture capitalist was difficult once upon a time but now with the internet it has become easier. There are three websites aspiring business owners can go to in order to receive money. You will have to be able to pitch your business idea and will even need a business plan. The websites are Go Big Network, Go4Funding and RaiseCapital. These websites bring business owners and business investors together. Sell Your Stuff
Many of us have hundreds of dollars of stuff in our possession. One person’s trash is another person’s treasure. One can sell unused items via Craigslist, Ebay and/or Amazon. One can use the funds in order to help fund their business. The process for selling items is fairly simple. All one needs is a camera, computer, paypal, a product and a mailing address.
Funding a business venture can be difficult. However there are many options available in order to take your business to the next level. One will need to be focused and make sacrifices, but your dreams can become a reality
In my everyday line of work, a good credit score is often times essential for me and a client to work together. There is only one instance where some one’s credit score has no bearing on our ability to work together and that is when the client is paying cash with no financing. In the real estate industry, cash deals happen but the majority of what makes this industry, and most other industries, tick is access to capital via some form of financing. However, if the applicant for credit has a poor credit score and a history of late or non payment of bills, they will simply be denied credit and asked to come back when their score is sufficient. You can improve your credit score in no time with 5 easy steps.
Pay down your credit cards – Obviously, one way to improve your credit score is to pay down the debt you already have. What isn’t so obvious is which debt you should pay down first. Because normal life circumstances often leaves us with long term debt like student loans and mortgages, you shouldn’t worry about paying these down immediately. These debts are understood and weight differently in the calculation of your credit score. Credit cards on the other hand is the debt you want to pay down if not completely off as soon as possible. According to MSN Money, keeping a balance below 30% of your credit limit on each card will help your score significantly.
Use your old credit cards – In the calculation of your credit score, older accounts bear more weight in the calculation. They show more your payment history and your ability to manage credit. However, if you haven’t used them in a long time, they start to lose their luster in the calculation because non usage is almost as bad as having no credit at all. So, if you have any old cards that you never use, bring them back out 3-4 times a year and charge a small amount. But remember to pay that small amount down or off before the due date of your next statement.
Check your report for accuracy – In all the years I have lived on this Earth, there are some things that are pretty obvious to me. But, for some people, those same things don’t even register on their radar. So I’ll go ahead and say it. When it comes to your credit report, you definitely want to check your credit report to make sure it is accurate. Every individual is entitled to one free credit report a year so you have no excuse not to check it. When checking it, you want to look for any negative items like late payments, collection accounts, or items showing unpaid. One can only imagine the damage things like this can cause to your credit score. Now, imagine if these things showed up on your report and they were never supposed to be there in the first place? It happens. So when you check your latest credit report, check for inaccuracies and be prepared to dispute and ill findings.
Pay your bills on time – We all have bills and some have more than others. Whatever your current situation, it doesn’t matter. What matters is that every bill has a due date and it is your absolute responsibility to make sure you pay that bill on time. Depending on the bill type, they may or may not report late payments to the credit bureaus. However, if you take too long to pay the bill, they very well could not only report the late payment to the agency, but also send your past due account to a credit collective. An account in collections is just another hit on your credit score that you do not want because they will not go away until a monetary judgement is satisfied.
Request new credit with caution – The idea here is to balance the credit you do or do not have with your current credit situation and your current credit limits or amounts accessible. If you already have plenty of credit, then you do not want to take on more than you can manage. Remember, unused credit does not factor in highly when computing your credit score. However, if you have poor credit and are trying to rebuild your credit situation, then applying for new credit via an installment loan or revolving line is a step in the right direction. Just make sure you manage the new credit perfectly and pay your new bill on time.
One of the good things about your credit score is the fact it can always improve unless you already have what is considered ‘perfect’ credit. So, although you may have some blemishes today, tomorrow’s outlook could be improved with just a few easy steps in the right direction. Earlier in the article I mentioned everyone is entitled to a free credit report each year. To obtain your free credit report, go to www.annualcreditreport.com. Just to be clear, this is a report only and will not furnish your most up to date credit score. For a few dollars, you can obtain the report and the score almost immediately. Monitoring your credit report and maintaining your credit score is critical and will always threaten your ability to secure a loan for some of life’s biggest purchases. Don’t hurt your chances tomorrow because of steps you didn’t take the time to complete today. Your credit will follow you throughout your entire life so you might as well take as good of care of it as you can.
In-Person: International Palms Resort
