Friday, November 27, 2015

8 Things Wise People do.


My Advice….



 

Life’s Interruptions

 

 As we are going about our business and something new, unplanned, many times unpleasant, comes and takes us off the planned course we are, were on –Life’s Interruptions.

 

What do I do when life throws me a curveball?

What do I do when things don’t go as I have planned?

Ask Ruby  

8 Things Wise People do.

 

1. They spend less than they earn

They routinely spend less than they earn success for themselves to a life of becoming debt free.

Tip:  In other words, pay yourself first.

 

2. They live within a budget

They spend and pay their bills, with confidence, they live life with an expression of joy.  I know how much I make, I know how much I save, and I know how much I spend!  

Tip: The best way to budget is by using credit cards for all items that you can pay for with cash.  Pay all credit cards off at the end of the month.  Pay cash for any items under $25.

 

3. They buy what they need

They realize the difference between what you need and what you want.

Tip:  Buy everything you need and negotiate for all the stuff you want.

 

4. They buy quality

They pay the lowest price for the highest quality brands that have proven to stand the test of time.   

Tip:    Buy quality over brand name.

5. They buy in volume

They buy what they need at one time. Making numerous trips to one store almost always leads to over-spending.

 

Tip:  Make a list and check it twice.  Buy in bulk if there is a discount.

6. They use discount coupons and vouchers

They pay less for everything they buy.

Tip:  Use money-off coupons, loyalty cards and discount vouchers to save.  

7. They comparing prices

They use price comparison websites and other online tools to find the lowest prices.

Tip: Think twice about prices and be will to walk away.

8. They make money the hard way, they earn it

They know how hard it is to earn money, so they're not fooled by scams and cons that offer little return on their money.

Tip:  If it sounds too good to be true, then it probably is.

 

Dr.  Ruby Mae Chapman, The Wisdom Store, Napolean & Ada Moton Chapman Institute, Children’s Advocate, Scholar, Researcher and Writer - visit my blog:  http://ask-ruby.blogspot.com/ for more inspiring reading.

Let's We Forget?

Harold Lee Washington (April 15, 1922  – November 25, 1987) was an American lawyer, politician who was elected as the 51st Mayor of Chicago in February 1983. He was the first Black to serve as Mayor of Chicago, in office from April 29, 1983 until his death on November 25, 1987.
At a party held shortly after his re-election on April 7, 1987, he said to a group of supporters, "In the old days, when you told people in other countries that you were from Chicago, they would say, 'Boom-boom! Rat-a-tat-tat!' Nowadays, they say [crowd joins with him], 'How's Harold?
John Fitzgerald "Jack" Kennedy (May 29, 1917 – November 22, 1963), commonly referred to by his initials JFK, was an American politician who served as the 35th President of the United States from January 1961 until his assassination in November 1963.

Civil rights

The turbulent end of state-sanctioned racial discrimination was one of the most pressing domestic issues of the 1960s. Jim Crow segregation was the established law in the Deep South.[203] The Supreme Court of the United States had ruled in 1954 in Brown v. Board of Education that racial segregation in public schools was unconstitutional. Many schools, especially in southern states, did not obey the Supreme Court's decision. The Court also prohibited segregation at other public facilities (such as buses, restaurants, theaters, courtrooms, bathrooms, and beaches) but it continued nonetheless.[204]
Kennedy verbally supported racial integration and civil rights; during the 1960 campaign he telephoned Coretta Scott King, wife of the Reverend Martin Luther King, Jr., who had been jailed while trying to integrate a department store lunch counter. Robert Kennedy called Georgia governor Ernest Vandiver and obtained King's release from prison, which drew additional black support to his brother's candidacy.[204]
In his first State of the Union Address in January 1961, President Kennedy said "The denial of constitutional rights to some of our fellow Americans on account of race - at the ballot box and elsewhere - disturbs the national conscience, and subjects us to the charge of world opinion that our democracy is not equal to the high promise of our heritage."[205] Kennedy believed the grassroots movement for civil rights would anger many Southern whites and make it more difficult to pass civil rights laws in Congress, which was dominated by conservative Southern Democrats, and he distanced himself from it.[206]
Kennedy also was more concerned with other issues early in his presidency, such as the Cold War, Bay of Pigs fiasco and the situation in Southeast Asia. As articulated by brother Robert, the administration's early priority was to "keep the president out of this civil rights mess". Many civil rights leaders viewed Kennedy as lukewarm, especially concerning the Freedom Riders, who organized an integrated public transportation effort in the south, and who were repeatedly met with violence by whites, including law enforcement officers, both federal and state. Kennedy assigned federal marshals to protect the Freedom Riders as an alternative to using federal troops or uncooperative FBI agents. Robert Kennedy, speaking for the president, urged the Freedom Riders to "get off the buses and leave the matter to peaceful settlement in the courts."[207]
On March 6, 1961, Kennedy signed Executive Order 10925 which required government contractors to "take affirmative action to ensure that applicants are employed and that employees are treated during employment without regard to their race, creed, color, or national origin."[208] It established the President's Committee on Equal Employment Opportunity. Displeased with the pace of Kennedy's addressing the issue of segregation, Martin Luther King, Jr. and his associates produced a document in 1962 calling on the president to follow in the footsteps of Abraham Lincoln and use an Executive Order to deliver a blow for Civil Rights as a kind of Second Emancipation Proclamation - Kennedy did not execute the order.[209]
In September 1962, James Meredith enrolled at the University of Mississippi, but was prevented from entering. Attorney General Robert Kennedy responded by sending 400 federal marshals, while President Kennedy reluctantly sent 3,000 troops after the situation on campus turned violent.[210] The Ole Miss riot of 1962 left two dead and dozens injured, but Meredith did finally enroll in his first class. The instigating subculture at the Old Miss riot and at many other racially ignited events, was the Ku Klux Klan.[211] On November 20, 1962, Kennedy signed Executive Order 11063, prohibiting racial discrimination in federally supported housing or "related facilities".[212]
In early 1963, Kennedy related to Martin Luther King, Jr., about the prospects for civil rights legislation: "If we get into a long fight over this in Congress, it will bottleneck everything else, and we will still get no bill."[213] Civil rights clashes were on the rise that year.[214] Brother Robert and Ted Sorenson pressed Kennedy to take more initiative on the legislative front.[215]


President Kennedy's Civil Rights Address, June 11, 1963.
On June 11, 1963, President Kennedy intervened when Alabama Governor George Wallace blocked the doorway to the University of Alabama to stop two African American students, Vivian Malone and James Hood, from attending. Wallace moved aside only after being confronted by Deputy Attorney General Nicholas Katzenbach and the Alabama National Guard, which had just been federalized by order of the president. That evening Kennedy gave his famous civil rights address on national television and radio, launching his initiative for civil rights legislation—to provide equal access to public schools and other facilities, and greater protection of voting rights.[216][217]
His proposals became part of the Civil Rights Act of 1964. The day ended with the murder of a NAACP leader, Medgar Evers, in front of his home in Mississippi.[218] As the president had predicted, the day after his TV speech, and in reaction to it, House Majority leader Carl Albert called to advise him that his two-year signature effort in Congress to combat poverty in Appalachia (Area Redevelopment Administration) had been defeated, primarily by the votes of Southern Democrats and Republicans.[219]
Earlier, Kennedy had signed the executive order creating the Presidential Commission on the Status of Women on December 14, 1961.[220] Former First Lady Eleanor Roosevelt led the commission. The Commission statistics revealed that women were also experiencing discrimination; their final report documenting legal and cultural barriers was issued in October 1963.[221] Further, on June 10, 1963, Kennedy signed the Equal Pay Act of 1963, a federal law amending the Fair Labor Standards Act, aimed at abolishing wage disparity based on sex.[222]


Kennedy meets with leaders of the March on Washington in the Oval Office, August 28, 1963.
Over a hundred thousand, predominantly African Americans, gathered in Washington for the civil rights March on Washington for Jobs and Freedom on August 28, 1963. Kennedy feared the March would have a negative effect on the prospects for the civil rights bills in Congress, and declined an invitation to speak. He turned over some of the details of the government's involvement to the Dept. of Justice, which channelled hundreds of thousands of dollars to the six sponsors of the March, including the N.A.A.C.P. and Martin Luther King's Southern Christian Leadership Conference (SCLC).[223]
To ensure a peaceful demonstration, the organizers and the president personally edited speeches which were inflammatory and agreed the March would be held on a Wednesday and would be over at 4:00 pm. Thousands of troops were placed on standby. Kennedy watched King's speech on TV and was very impressed. The March was considered a "triumph of managed protest", and not one arrest relating to the demonstration occurred. Afterwards, the March leaders accepted an invitation to the White House to meet with Kennedy and photos were taken. Kennedy felt the March was a victory for him as well and bolstered the chances for his civil rights bill.[223]
Nevertheless, the struggle was far from over. Three weeks later, a bomb exploded on Sunday, September 15 at the 16th Street Baptist Church in Birmingham; by the end of the day, four African American children had died in the explosion and two other children shot to death in the aftermath.[224] Due to this resurgent violence, the civil rights legislation underwent some drastic amendments that critically endangered any prospects for passage of the bill, to the outrage of the president. Kennedy called the congressional leaders to the White House and by the following day the original bill, without the additions, had enough votes to get it out of the House committee.[225]
 

Friday, November 20, 2015

7 Things You Should Say To Your Mate


My Advice….

 

Life’s Interruptions

 

 As we are going about our business and something new, unplanned, many times unpleasant, comes and takes us off the planned course we are, were on –Life’s Interruptions.

 

What do I do when life throws me a curveball?

What do I do when things don’t go as I have planned?

Ask Ruby  

7 Things You Should Say To Your Mate

If you have a healthy minds, bodies, and spirits the 7 things you should say to your mate should be uplifting, motivating and loving. You will never have enough money, and remember love is one of the most sought after treasures in life. Having a loved one, wife, husband, significant other, whatever you want to call them, to go through life with is invaluable. So, let’s keep them with loving words.  Start each rising of the sun and the closing of the same with these words, “Let words of my mouth and the mediation of my heart be acceptable in thy sight, God you are my strength and my redeemer”. 

 After listening and talking to men and women in relationship, here are the phrases that they want to hear keep the sparkler in the relationship.

1. “I am listening.”
You might think he/she is overreacting or even over-analyzing, but in healthy a relationship, you should try your very hardest to understand your partner’s perspective. Actually listening to their feelings and leaning in to show appreciation for their perspective motivates and encourages their stake in the relationship and increases their value.

When your partner feel like they’re allowed to communicate their thoughts and feelings openly, it leads to commitment and love that builds your connection. Encourage your partner to express his/her feelings, Lean in and listen to understand why they feel or believe what they do or say, and consider saying something like: “You’re being brilliant.” “And now I once again can see why I love.” “And now I once again can see why I love.”

2. “I care now more than before.”
If any phrase is heartwarming, this is it. Immediate a big smile. It’s a clear marker on the pathway to long and loving relationship is when one or both spouses become interested in the actions, thoughts, and activities of the other.  Going so far as to tell your partner you are in the relation with all of your heart, mind, body and spirit speaks volumes.

It’s such a caring way of conveying interest, and a better option is to both sit down take a deep breath and to look deep into each other’s eyes and say what you’re really feeling. “I care now more than before.”
If you truly do care now more than before. .It’s a clear marker on the pathway to long and loving relationship.  

3. “You/I/We will always ______.”
Wow. If you’re saying something in absolute phrases (i.e., “You always”, “I always”, “We always…”) these phrases are truly music to your mate’s ears. If someone is doing it always and it gets to your mind, body and spirit every time they do it, then say this is music to my ears!  Sharing what
“You/I/We will always ______.” And speaking in we phrases turns most person completely on or leads them in the direction that you want them closest to where both of you would like to be a trusting and faithful mate.   A mate thinks “I know how my mate will feel/think about the decision I am about to make. He/she trust me to always …”

Also another loving way to communicate is to always treat your mate as your best friend and partner.  Consider saying something like, “When you always______, it makes me always feel loved or that you will always care. I will always _____ you.

4. Nothing at all.
Saying nothing at all can be golden in your marriage.   When one partner says
nothing at all, it effectively brings the mate closer and allows you to listen and lean in and hear, and feel, what he/she has to say. In this moment you have given and shown total respect and regards for what your mate is saying or feeling. 

Saying nothing at all, is an indirect approach to demonstrating to your mate that you are listing.  Another indirect to saying nothing at all is by holding your mate’s hand in your hand and lovingly look deep into each other’s eyes and say nothing at all.



5. ¨Divorce is not an option.¨
It seems obvious, the marriage vows  says “Let no man/woman destroy or threaten what God brought together in marriage.
Divorce is not an option mean you believe in conflict resolution, which builds, makes, and maintains the foundation of your marriage.

When life’s interruption knock on your financial or bedroom door, try going for a walk or going to the gym. Clear your head. When you come back, you’ll be in a much better place to talk. To really get to the bottom or top of the matter seek counseling.

6. “Try, try, and try again.”

We all know marriages and truly meaningful partnerships are full time life situations and you have to try and try again. But when a person says I am sorry and let’s counseling, it’s like they’re believing and trusting.  It is saying to each other I love you and I want our relationship and marriage to work.

 Remind your partner and remind yourself that whatever it is, it may be hard or it may be difficult, and it may take both of you awhile. But the marriage vows are manifested in a relationship only if you truly believe what the marriage vows mean.  “Try, try, and try again.”

7. “I love you because? ¨
there is something about you that is so different from anyone else I have ever met. My life with you have made a big difference in how I deal with life’s interruptions. When we are together there is just that little something about the way you………..that reminds me of how much I appreciate  your spouse does do for you. It might just motivate him or her to do more of the same
“I love you because? ¨ 

 

 

Dr.  Ruby Mae Chapman, The Wisdom Store, Napolean & Ada Moton Chapman Institute, Children’s Advocate, Scholar, Researcher and Writer - visit my blog:  http://ask-ruby.blogspot.com/ for more inspiring readings.

Saturday, November 7, 2015

Another one joins the Ancestors--A" Race Man"

Mr. Savage said he began his career in activist politics and journalism after serving in a segregated Army unit during World War II.
One of his early publications, the American Negro, was a protest magazine that was among the first to print a photograph of the mutilated body of Emmett Till, a Chicago teenager who was lynched in Mississippi in 1955 after reportedly flirting with a white woman. Mr. Savage said he ran the image before Jet magazine and the Chicago Defender, although it was those larger black publications that sparked national outrage over Till’s death.
In 1965, Mr. Savage founded Citizen Newspapers, a small chain of Chicago-area weeklies that railed against the city’s Democratic machine, personified by Mayor Richard J. Daley. With that maverick sensibility, Mr. Savage supported the political rise of Harold Washington, a friend and college classmate who became Chicago’s first black mayor in 1983.
“He was the architect behind the election of a black mayor,” Sidney Ordower, a political activist and Washington aide, told the Chicago Tribune in 1989. “You have to give him credit. He was the acknowledged leader of the independent progressive black political movement.”
Mr. Savage twice ran for Congress unsuccessfully before winning an open seat in 1980. He became the first African American to represent a district that in the 1960s and 1970s had seen a turbulent transition from a white industrial enclave to an area with a working-class black majority.
In office, Mr. Savage served on what is now the Committee on Transportation and Infrastructure. He consistently fought President Ronald Reagan’s defense budgets, arguing that expensive military programs such as the Strategic Defense Initiative — the so-called “Star Wars” missile defense program — were diverting money from programs that benefited the poor.
In 1986, the congressman co-sponsored one of the largest set-aside measures in history, calling for 10 percent of defense contracts to go to minority-owned businesses. The measure would have brought about $20 billion to those businesses, but it was killed in the Senate.

Thursday, November 5, 2015

King called for a "gigantic Marshall Plan" for the poor in 1964




King eventually realized that many white Americans had at least a psychological stake in perpetuating racism. He began to recognize that racial segregation was devised not only to oppress Black Americans but also to keep working-class whites from challenging their own oppression by letting them feel superior to blacks. "The Southern aristocracy took the world and gave the poor white man Jim Crow," King said from the Capitol steps in Montgomery, following the 1965 march from Selma. "And when his wrinkled stomach cried out for the food that his empty pockets could not provide, he ate Jim Crow, a psychological bird that told him that no matter how bad off he was, at least he was a white man, better than a Black man."
When King launched a civil rights campaign in Chicago in 1965, he was shocked by the hatred and violence expressed by working-class whites as he and his followers marched through the streets of segregated neighborhoods in Chicago and its suburbs. He saw that the problem in Chicago's ghetto was not legal segregation but "economic exploitation" -- slum housing, overpriced food, and low-wage jobs -- "because someone profits from its existence."
These experiences led King to develop a more radical outlook. King supported President Lyndon B. Johnson's declaration of the War on Poverty in 1964, but, like his friend and ally Walter Reuther, the president of the United Auto Workers, King thought that it did not go nearly far enough. As early as October 1964, he called for a "gigantic Marshall Plan" for the poor -- black and white. Two months later, accepting the Nobel Peace Prize in Oslo, he observed that the United States could learn much from Scandinavian "democratic socialism." He began talking openly about the need to confront "class issues," which he described as "the gulf between the haves and the have nots."

Tuesday, November 3, 2015

Somebody is calling our names

Those local chiefs came to this auction house to sell captives to European clients.
Lonnie Bunch: A male in the late 18th century, early 19th century would go anywhere from $600 to $1,500, which is probably about, oh, $9,000 to $15,000 today.
Scott Pelley: This was incredibly lucrative.
Lonnie Bunch: In the years before the Civil War, the amount of money invested in slaves was more than the amount of money invested in railroads, banks, and businesses combined. This was the economic engine of Europe and the United States.
Lonnie Bunch: By the time you got here....
The enslaved marched from the auction down this ramp and on to the ships.
 Mozambique Island rises from the Indian Ocean, south of the equator. It was one of the points in what was called the Triangular Trade -- goods from Europe to Africa, slaves to the New World. And, cotton, gold and tobacco -- back to the old.
In the 1400s, the Portuguese were the first Europeans to trade in slaves and they became the largest, followed by the English, French, Spanish and Dutch. On Mozambique Island the Portuguese built a fortress that they called St. Sebastian for the Christian martyr who was captured, chained and murdered in Rome in the year 288. The irony of that name, was the only thing here the Portuguese failed to grasp.