The National Black Public Consortium

The National Black Public Consortium

I am always researching organizations and programs that cultivate the rich culture of our black community.  Recently, I stumbled across an organization called the National Black Programming Consortium. The National Black Programming Consortium (NBPC), founded in 1979, develops, produces and funds media content about the black experience for public media outlets, including television, digital radio, […]

Stop Answering Your Phone: Part 2

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I have promised you a solution to deciding whether you should answer the phone or not. Here, I deliver. The solution is simple and has been around for a long time.  It is something we all know and have always believed.  Here it is:   We must practice the Golden Rule to “do unto others as […]

The New Black Migration: Part I

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Demographics are rapidly changing in the United States. However, a shift in population is becoming even more prevalent and apparent in inner cities. Suburban sprawl had numerous effects on changing the look of major urban centers around the nation, with one of these effects being a change in the urban demographics. When it came to […]

Single Family Home vs. Multiple Unit Properties

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Deciding whether to buy a single family home or a multiple unit property is a easy decision for me, because I am fifty-three years old, and I can remember buying my first home. It was not a multiple unit property, but I wish it was.  I made the mistake that many other first time homebuyers […]

How Do I Qualify for a Home Loan?

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Qualifying for a home loan is not as easy as just walking into a bank. One of the strings attached to the low interest rates are the incredibly stringent lending requirements. The Consumer Financial Protection Bureau released a new set of Qualified Mortgage Standards that came into effect in January 2014, largely as a result […]

The Financial Reality of Homeownership

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More so than ever before, buyers are finding themselves up against an array of obstacles that must be overcome prior to obtaining the keys to their new home; the first of which is saving for that down payment. Outstanding debt, checkered employment histories, and a lack of documentation are other substantial obstacles that will hinder […]