Let me know if you have any specific questions or if there's anything else I can help with--I'm happy to guide you through the process!
FOREST OF THE RAIN PRODUCTIONS An Educational Affairs Organization |
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When is the best time to sell or buy a home, especially for first time buyers? Olivia Winfrey5/4/2024 The best time to buy or sell a home depends on your situation. But, with rates still pretty low and demand high, it's an excellent time to make a move if you're ready! For first-time buyers, ensure you get pre-approved for a mortgage before starting your search, and don't forget to factor in all the extra costs, like closing and ongoing expenses. And, of course, work with a realtor who knows the local scene! Let me know if you have any specific questions or if there's anything else I can help with--I'm happy to guide you through the process!
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Alert! Alert!! Protecting one's faith, wife, children, and community is not for the weak of men. Black men are to protect their faith, communities, and families. If a man is not holistically grounded in all areas of body and mind, he will barely protect himself. Ensuring one is healthy physically and mentally is the first form of defense training for all Black men, for if we are not fit to stand the stress and strains of being Black, then how will the foundations of our faith, community, and families survive? This comes after working toward a self-development/cultural foundation for some of us. Myriad sources will often test that self-development/cultural foundation. One can look at our social media platforms, which, for many men, have more influence than their faith or child-rearing. Messages that frequently inform the Black male community that it is okay to desire not to be a Protector are digested from ubiquitous media sources, and it is clear the overarching plan is to convince Black men they are not required, expected, or wanted to serve in the role of Protector. Themes of Black men versus Black women: Black women don't need a good man, a good Black man does not exist, and if a Black man deserves to be that "Good Black Man," he is likely pretending or worse, is homosexual, and using a relationship to hide his truths have strategically been sprinkled throughout nearly every corner of the Black culture tapestry. The strategy is designed to have Black men care more about these deficit thinking messages and place a higher value on them than the traditional historical and cultural norms and beliefs of Black men's role in the home and community. Ultimately, the goal is to pass this concept that the Black male's protection of his faith, community, and family is a joke and, more importantly, is anything but masculine. However, these messages are expected to penetrate into multiple generations until they have moved from the Black community's sub-culture to becoming our communities' traditions. Protection is the birth expectation of every Black male child; the issue is how to ensure the importance of that birthright. Three Questions about Black Excellence with Philanthropreneur, Investor, and Traveler Olivia Winfrey2/17/2024 Dr. Mike Robinson: How would you define Black Excellence? Olivia Winfrey: I see Black Excellence as the outstanding achievement by individuals of African descent in various fields, showcasing resilience, innovation, and success despite historical and systemic challenges. Dr. Mike Robinson: What does achieving and maintaining Black Excellence take? Olivia Winfrey: Achieving Black Excellence typically involves hard work, determination, perseverance, education, mentorship, community support, and a strong sense of identity and purpose. To maintain it, individuals often need to continue setting high standards, remain committed to personal and professional growth, uplift and support others within their community, and use their success to inspire and empower future generations. Dr. Mike Robinson: Why is it important to celebrate Black Excellence? Olivia Winfrey: Celebrating Black Excellence is crucial for several reasons: 1. Recognition: It acknowledges the achievements and contributions of individuals of African descent, highlighting their talents, skills, and successes. 2. Inspiration: It serves as a source of inspiration for current and future generations, showing what is possible despite obstacles and adversity. 3. Representation: By celebrating Black Excellence, diverse voices and perspectives are uplifted and represented, fostering a more inclusive and equitable society. 4. Empowerment: It empowers individuals within the Black community, boosting their self-esteem, confidence, and pride in their identity and heritage. 5. Education: It helps educate others about the rich history, culture, and accomplishments of Black individuals, promoting understanding and appreciation across different communities. CW Tests that Miss the Mark: How We Assess Athletes and Students by Karen Gross @KarenGrossEdu1/21/2024 Who couldn’t want data that gives one security in one’s selection of who will succeed at anything — sports or other avenues? There is real economic value if there were a test that determines NFL athletic success. By the way, there isn’t one test that can do that. Look at how many high draft picks and Heisman Trophy winners never find their way to real success in the NFL. Here’s a link to the WSJ piece: https://www.wsj.com/sports/football/cj-stroud-houston-texans-s2-quarterback-test-22a0729c?st=bulk8rr5b96ap5z&reflink=article_email_share What the story raised for me was a related question in the context of education and one I raise with my co-author Edward K.S. Wang in our forthcoming book, Mending Education: Hope, Creativity and Mental Wellness in Times of Trauma (Teachers College Press Sept. 2024). We are hooked on testing in education, as if multiple choices tests are the sine qua non of excellence and progress. And, we test students over 100 times between pre-K — 12. And yes, there was been diminished reliance on the SAT (I am sure that produces an economic downturn for The College Board (which constructs, charges for and runs the rest). But, here’s something we learned in the Pandemic that could stick: there are many ways to assess student learning and what we do currently with students is likely not the only or even the best way to measure knowledge or progress (and those are different things). Ponder portfolio assessments. Ponder oral tests. Ponder open ended questions. Ponder having a test that asks students what three questions come to mind as they read a selected text. Ponder demonstrations and posters and reports. Ponder research and writing. Ponder problem solving and assessing the steps, not just the answer. The opportunities for assessment are plentiful and we examine their benefits in our book. Let me be clear: I am not against assessment per say. I am against how we assess and the weight we give to certain tests. Not unlike the QB test, I worry that we discard some students’ potential because of tests. We say learning is not occurring in certain classrooms when it is but is not measured in the ways we currently measure. And, shouldn’t we be more concerned with progress and improvement as opposed to absolute knowledge measures (that aren’t all that good anyhow)? Yes, we want students to emerge from their schools with certain skills but what are those skills and are we measuring for them? Stated bluntly: we are failing that test. Sure, there are things that multiple choice tests can evaluate but those tests as presently constructed are fraught with problems — including the situational setting in which they are offered and the ease or lack thereof that students and educators feel as testing occurs. I am familiar with the post-test response of some elementary school students who were totally out of sorts post-test. They could not focus, they were physically active beyond the norm and they were jittery and somewhat dysregulated. Yipes. Here’s my point: NFL draft pundits failed by relying on a test of QBs — placing too much emphasis on this one particular measure (whether the score was or wasn’t accurate). And, in the process, we demeaned the athlete as lacking in overall cognition (something that is not fully measured in the test as it tests only some cognitive skills as I understand it — although I have not seen the actual test itself). We kept undercutting CJ Stroud’s intelligence. Go back and read the media postings. He had to feel terrible. Talk about a chip on one’s shoulder. Now, that singling out based on one test is what we also do in education: we single out students who don’t do well on the tests we give them. And we demean their teachers too. Really? We are that eager to differentiate. And no shock: the students who do worse are members of minority groups. And at the college/graduate level, do we ever measure the quality of the teaching and how that correlates to student learning? You all know the answer to that query. Here’s my advice: the CJ Stroud story is a cautionary tale well beyond QB selection. It is a cautionary tale about what we measure and how we measure success (howsoever that is define). And let the CJ Sroud tale enable us NOT to marginalize or diminish the capacities of others just based on one score. Even in medicine, we don’t rely on one score to determine disease diagnosis and disease management. One score: it’s just that. One score which must be contextualized and considered with many other test scores and assessment devices now in existence and to be created. And let’s aim to lift not demean those whose scores on any test aren’t ideal. We can start now. About the Author Karen Gross is a Gloucester MA and Washington DC based educator, author and artist, as well as an advisor to non-profit schools and organizations and governments. Her work focuses on student success across the educational landscape and the impact of trauma on learning and psychosocial development. She has dealt with institutions planning for and dealing with person and nature made disasters including the Pandemic, shootings, suicides, hurricanes and floods. She has also worked with leaders to stabilize their institutions in the midst and aftermath of crises (i.e. student dysregulation; harassment; discrimination). She currently is a continuing education instructor at the Rutgers School of Social Work and sits on the Advisory Council at Center for Minority Serving Institutions at Rutgers Graduate School of Education. She has been a visiting professor at colleges and universities across the US and Canada. She is the co-founder of the Virtual Teachers Lounge, which serves educators across the globe and conducts workshops and seminars for organizations dealing with student and educator struggles, including the impact of trauma on students, educators, families and communities. Previously, she served for 8 years as the President of Southern Vermont College and as senior policy advisor to the US Department of Education during the Obama Administration. Prior to that, she was a tenured law professor for over two decades in New York City. She has served on a number of local and national boards of non-profit institutions. She also served on President Biden’s campaign Domestic Policy Committee (focusing on education). In addition to writing award winning adult books (including Breakaway Learners and Trauma Doesn’t Stop at the School Door which form two of the three books creating the trilogy of which the current book is a part), she is the author of a children’s book series titled Lady Lucy’s Quest, several publications of which have been translated into Spanish. Her artwork, which of which is trauma-responsive, has been shown in online and brick and mortar galleries, appears in online magazines and catalogues, and hangs in various educational institutions across the US. A frequently blogger and commentator on issues of education, her work has appeared in the Evollution, Collegiate Exchange, Newsweek, New England Journal of Higher Education, InsideHigherEd, the Chronicle of Higher Ed, Age of Awareness (Medium), Forest of the Rain Productions and Authentic Insider, among other publications. During the Pandemic, she conducted more than 50 podcasts on trauma’s impact on education. She has been cited in numerous articles including Forbes, Parents, The Atlantic, ASCA, Romper, Forbes, and The New York Times. For more information, visit her website at www.karengrosseducation.com It is hard to be an educational administrator; I know from first hand experience. It is actually not a job; it is a lifestyle. Senior administrators do not have normal working hours. They work (or are on call) 24/7, although I often said I worked 36/7 as way of stating that the work was never done. And let’s be blunt: most people do not go into an administrator’s office because everything is going along swimmingly. People don’t come into your office to comment on how well you are doing your job. They come into your office because they have a problem and they expect that you will be able to solve it. I used to say that my schedule each day was different from what appeared in the calendar because something always came up – whether it involved students or parents or alums or faculty or staff or the community or some combination. All of this makes me worry about how administrators are faring these days (from the number of firings, the answer is not so well). I know the role of administrator is getting increasingly difficult with the passage of time; the post-Pandemic woes of a wide ranging sort are real. Were I a guessing person, I suspect most educational leaders are struggling with their work. I am quite sure most are struggling with their work/home balance. I assume many are dealing with their own health or the health of their family. I presume that social media has made matters worse and there is only so much badgering that one can take with ease. I know that in student centered institutions, we pay close attention to the wellbeing of our students – their academic health and their mental health. And this is hard work and not getting any easier. But, as important as students are (and they are), I think we need to ask not only how our students are managing but how our educators (including administrators) are managing. We need to ensure that those who are caring for and helping students in any number of ways are doing well themselves. Trauma is transmissible for the record; that’s what secondary trauma is: trauma we get from another. I have often said, “You cannot pour from an empty cup.” This means we need to make sure we are regularly filling the cups of those giving to others. That’s a big undertaking and begs for administrators and colleagues to support one another. It begs for a culture that allows people to ask for help and for colleagues to suggest that help might be needed. We need to be aware, as we are with students, whether we see behavior or words or actions that suggest someone is struggling. And, we need to enable them to feel that seeking help is a sign of strength, not weakness. We aren’t judging; we are helping. Two incidents make me raise this point yet again – and I have raised it sadly in the past. Pre-Pandemic, the head of student mental health services at the University of Pennsylvania leap to his death from his apartment on a high floor – during World Suicide Prevention Week. How the university dealt with his suicide is a topic for another day but I have been plagued by a question since this tragedy: Did no one notice that this individual was struggling? Did no one see his pain and speak up? Did no one reach out? And if they did, did they follow up and make sure he was safe? Why was he alone if he was at risk? For the record, on my own campus, we called police for safety checks several times, not always with success but we did see the risks for sure and acted. The recent suicide of the VP for Student Affairs at Lincoln University in Missouri (an HBCU) has made me question why no one took action when they saw the anguish and distress of this administrator. Why did no one (or so it seems in the reporting) step in to help her? Her death has caused deep distress on her campus and led to the paid leave of the President while an independent investigation is undertaken. I don’t have all or even most of the facts; that’s for sure. But, the situation leaves me with many questions – largely unanswered -- about what occurred. And it should not go unnoticed that the administrator was a woman of color and the President is a white male. At least we need to ask whether race played any role in the failure to address the VP’s struggles? The tragedies at UPenn and Lincoln also raise for me the larger question of whether we are doing enough to support our colleagues, particularly those who are new to their positions, who are members of racial or ethnic minorities (and hence in a minority within education) and who may feel too vulnerable to ask for help. Yes, we can lament that too many administrators may not feel they have the freedom to ask for help without stigma and professional damage. That’s a big issue to be sure – one that calls for huge cultural change. We can also ask whether others within institutions reach out sufficiently to provide non-stigmatized help and support and whether administrators work sustain their colleagues (assuming they view them as colleagues). I’m asking whether we actually support each other in educational settings or whether, despite proximity, we let those around us struggle without intervention. We know, don’t we, who might be struggling with fitting in and feeling a part of a team? With the suicides of senior administrators and the departures of others across the educational pipeline (whether fired or departing), we need to pause and not just bemoan the losses. We need to think hard about how to prevent the losses and how best to support those with whom we work. Think about this. There are scandals on far too many campuses and somehow, people say they never saw them. Athletics is a key place for this. Really, no one know what was happening at Penn State or Michigan State? No one? Well, struggles with mental health may lead some to say they never saw it. They were surprised. They saw no indicators. Really? Could that be true? And if it is true, we are not looking hard enough or in the right places – both in athletics and in terms of mental wellness. So, here’s a suggestion for all administrators: take care of your fellow administrators with the same intensity with which you take care of your students. Both groups need your thoughtfulness, your support, your wisdom and your caring. Is that too much to ask? I think not. The consequences of not acting and reaching out can be grave. About the Author Karen Gross is a Gloucester MA and Washington DC based educator, author and artist, as well as an advisor to non-profit schools and organizations and governments. Her work focuses on student success across the educational landscape and the impact of trauma on learning and psychosocial development. She has dealt with institutions planning for and dealing with person and nature made disasters including the Pandemic, shootings, suicides, hurricanes and floods. She has also worked with leaders to stabilize their institutions in the midst and aftermath of crises (i.e. student dysregulation; harassment; discrimination). She currently is a continuing education instructor at the Rutgers School of Social Work and sits on the Advisory Council at Center for Minority Serving Institutions at Rutgers Graduate School of Education. She has been a visiting professor at colleges and universities across the US and Canada. She is the co-founder of the Virtual Teachers Lounge, which serves educators across the globe and conducts workshops and seminars for organizations dealing with student and educator struggles, including the impact of trauma on students, educators, families and communities. Previously, she served for 8 years as the President of Southern Vermont College and as senior policy advisor to the US Department of Education during the Obama Administration. Prior to that, she was a tenured law professor for over two decades in New York City. She has served on a number of local and national boards of non-profit institutions. She also served on President Biden’s campaign Domestic Policy Committee (focusing on education). In addition to writing award winning adult books (including Breakaway Learners and Trauma Doesn’t Stop at the School Door which form two of the three books creating the trilogy of which the current book is a part), she is the author of a children’s book series titled Lady Lucy’s Quest, several publications of which have been translated into Spanish. Her artwork, which of which is trauma-responsive, has been shown in online and brick and mortar galleries, appears in online magazines and catalogues, and hangs in various educational institutions across the US. A frequently blogger and commentator on issues of education, her work has appeared in the Evollution, Collegiate Exchange, Newsweek, New England Journal of Higher Education, InsideHigherEd, the Chronicle of Higher Ed, Age of Awareness (Medium), Forest of the Rain Productions and Authentic Insider, among other publications. During the Pandemic, she conducted more than 50 podcasts on trauma’s impact on education. She has been cited in numerous articles including Forbes, Parents, The Atlantic, ASCA, Romper, Forbes, and The New York Times. For more information, visit her website at www.karengrosseducation.com As we bid farewell to the past and usher in the promises of a new year, many of us embark on a journey of self-improvement. While resolutions may vary, one common goal that resonates with countless individuals is the commitment to a healthier lifestyle. As the New Year unfolds, what better way to kickstart this journey than by focusing on the cornerstone of well-being – healthy eating. The Power of Nutrient-Rich Choices The foundation of a healthy lifestyle lies in the food choices we make. Opting for nutrient-dense foods provides our bodies with the essential vitamins, minerals, and other compounds needed for optimal functioning. Consider incorporating a rainbow of fruits and vegetables into your daily meals, ensuring a diverse array of nutrients that support overall health. Mindful Eating for a Balanced Life In the hustle and bustle of modern life, we often find ourselves rushing through meals without paying much attention to what or how we eat. This year, make a commitment to mindful eating. Take the time to savor each bite, appreciate the flavors, and listen to your body's hunger and fullness cues. This simple practice can foster a healthier relationship with food and promote better digestion. Hydration: The Elixir of Life Water is the unsung hero of good health. Proper hydration is crucial for maintaining bodily functions, supporting metabolism, and promoting clear, radiant skin. Make it a habit to drink an adequate amount of water throughout the day and consider swapping sugary beverages for refreshing infused water or herbal teas. Staying hydrated is a small yet impactful step towards a healthier you. Small Changes, Big Impact Embarking on a journey towards healthier eating doesn't necessarily require a complete overhaul of your diet. Small, sustainable changes can lead to significant improvements over time. Swap refined grains for whole grains, choose lean proteins, and opt for healthy fats like those found in avocados and nuts. Gradual adjustments make it easier to adapt to a long-term, healthy eating pattern. Planning and Preparation The demands of daily life often make it tempting to opt for convenient, but less nutritious, food choices. Combat this challenge by planning your meals ahead of time and preparing wholesome, balanced options. This not only saves time but ensures that you have access to nourishing meals, even on your busiest days. Seek Support and Stay Consistent Embarking on a journey to healthier eating is often more enjoyable and sustainable when shared with others. Consider enlisting the support of friends, family, or a like-minded community. Share recipes, cooking tips, and celebrate each other's successes. Remember, consistency is key. Embrace the process, celebrate small victories, and don't be too hard on yourself during occasional setbacks. A Healthier You, One Bite at a Time As we step into the New Year, let's embrace the opportunity to prioritize our health through mindful and nutritious eating. Small, intentional choices made each day pave the way for a healthier, more vibrant future. Remember, it's not about perfection but about progress. Here's to a year filled with nourishing choices, vitality, and well-being. Cheers to the journey of a healthier you! About Dr. Brenda T. Bradley, Certified Health Coach I consider myself an energetic and engaging certified health coach. Through my work and passion for healthy eating and living, I decided to answer the call to become a health coach. I attended Hallelujah Acres health minister training in Gastonia, North Carolina. I also attended the Institute for Integrative Nutrition in New York City, where I was trained in more than 100 dietary theories and studied a variety of lifestyle coaching methods. I am a proud alumna of Capella University where I earned my doctorate in Organizational Management. Determined to break free from the Standard American Diet (SAD) which is known to do more harm than good, I set out on my journey to research food, diseases, and fitness. One of the biggest things about being a health coach is to understand that all the information and knowledge in the world is useless if you don’t put it to use or know how to implement it. To learn more about Dr. Brenda T. Bradley visit her website by clicking here! W.E.B. Framework: Empowering Women for Transformative Change By Dr. Shanelle R. Dawson @DrShanelleRD12/11/2023 The W.E.B. Framework (Wellness, Equity, and Business) is necessary approach to facilitating empowerment and achieving gender equality. This structure has emerged as an effective method for uplifting women, enabling them to transcend barriers and reshaping their futures. The W.E.B. Framework empowers women and paves the way for their evolution by offering transformative solutions with far-reaching effects, permitting them to thrive in all aspects of society. Wellness: Enhancing Physical and Mental Well-being The W.E.B. Framework begins with prioritizing wellness, recognizing that a healthy mind and body are fundamental to overall empowerment. By investing in accessible healthcare, education, and resources, women can lead healthier, happier lives. Supporting comprehensive programs that address wellness are a crucial aspect of women's empowerment. This philosophy encompasses physical, mental, emotional, and social well-being. By prioritizing wellness, women can take charge of their health and gain power and agency over their lives. Investing in healthcare services specifically tailored to women's needs, including reproductive health and access to proper nutrition, is essential. Additionally, promoting mental health awareness and providing resources for emotional support can have profound results in the areas of self-confidence, self-esteem and self-worth. Equity: Promoting Equal Opportunities and Protections Gender equity lies at the heart of empowering women as it guarantees equal opportunities and protections under the law. Through various initiatives like policy reforms, educational campaigns, and community support, we can eliminate systemic barriers that hinder progress. Emphasizing equitable access to education and employment, The W.E.B. Framework recognizes the importance of equity as a fundamental building block for empowerment. Achieving gender equity is an integral part of empowering women. This entails creating a level playing field where women have equal access to opportunities, resources, and the decision-making process. The method emphasizes the importance of dismantling gender biases and stereotypes, promoting diversity in leadership while encouraging women to actively participate in society and become global citizens. Business: Fostering Entrepreneurship and Economic Independence Business development provides women with the tools and resources needed to enhance their entrepreneurial skills, leadership advancement, and achieve economic self-sufficiency. By offering networking opportunities, mentorship programs, and structured training, we equip women with the knowledge and confidence necessary to identify, nurture, and seize business opportunities. By addressing systemic barriers, such as discrimination in education and employment, women can break free from limitations and reach their full potential. Establishing policies that guarantee participation in all aspects of business and providing legal protections further contribute to financial autonomy. How The W.E.B. Framework Transforms Lives 1. Economic Empowerment: The W.E.B. Framework enables women to transcend socioeconomic barriers by equipping them with the skills and resources needed to thrive in the business world. It helps women secure better job opportunities, build sustainable businesses, and eliminate gender-based wage gaps. 2. Personal Growth and Confidence: Focusing on wellness, equity, and business development cultivates personal growth and boosts self-confidence among women. When women feel supported, empowered, and equipped with the necessary tools, they are more likely to take risks, explore their potential, and challenge societal norms. 3. Breaking Stereotypes and Shaping Culture: By prioritizing the W.E.B. Framework, we challenge traditional gender roles and stereotypes. Providing training programs, mentorship, and networking opportunities help women develop the necessary skills and knowledge to succeed as entrepreneurs and business leaders. By nurturing and supporting women-owned businesses, communities can drive growth and profitability while promoting financial inclusion. This not only boosts the economy but also enables women to exercise influence and autonomy over their lives. 4. Transformative Impact: Focusing on the W.E.B. Framework can have a transformative impact on the lives of women. When women are supported in terms of wellness, equity, and business opportunities, they become agents of change in their communities. Empowered women are more likely to invest in the education and well-being of their children. Empowered women become role models, inspiring future generations to strive for success, shatter glass ceilings, and creating a cultural shift where gender equality becomes the norm. 5. Collective Impact: The ripple effect of empowering women through the W.E.B. Framework extends beyond individuals, leading to positive intergenerational outcomes. Furthermore, their increased participation in decision-making leads to more inclusive policies and practices. The philosophy, with its focus on wellness, equity, and business opportunities, provides a pathway for empowerment. Communities benefit when investing in women is prioritized. This structure creates a positive cycle of progress, as empowered women reinvest their knowledge, skills, and resources back into their communities, fostering sustainable growth. Summary: The transformative nature of the W.E.B. Framework presents an incredible opportunity to change the trajectory of lives worldwide. By focusing on wellness, equity, and business development, the system empowers women physically, mentally, and economically. This approach not only creates individual successes but also contributes to a more inclusive and prosperous society. The holistic nature of this framework emphasizes well-being, ensures equity in all spheres, and enhances business skills, thereby creating transformative change. It is crucial for governments, organizations, and individuals to collaborate and prioritize the promotion of woman-centered initiatives. Only by doing so can we truly empower women and enable them to shape their destinies. Let us strive for a future where women thrive and contribute to the betterment of society as equals by continuing to prioritize the W.E.B. Framework and working collaboratively to create a future where every woman can prosper. Together, we can shape a more equitable and empowering world. Dr. Shanelle R. Dawson, principal owner of the Global Families of Companies, is a Consultant, Coach, Author, Professional Speaker, and former Candidate for Onondaga County Legislature. Her expertise is in areas of Education, Entrepreneurship, and Employee Engagement and Retention, through the leans of Equity. Her passion is Community / Individual Empowerment, and she has spent her adult life encouraging others, cultivating relationships, and advocating for the underserved. Recognizing the importance of mindfulness, nutrition, and fitness, Dr. Dawson formed Global SAGE Wellness, her virtual Health and Wellness Enterprise. GSW offers a wide array of yoga classes and guided mediations. Additionally, GSW offers whole food, plant based (WFPB) nutritional information, guidance, and coaching as well as WFPB recipes. Our goal at GSW is to help individuals make informed decisions about health and wellness while simultaneously understanding the environmental impact of the Standard American Diet. Term life insurance is perhaps the easiest to understand because it’s straightforward without a savings or investing component. You buy a term policy because of the promise of a death benefit for your beneficiary should you pass away while it’s in force. For many people, it’s a way to make sure that their minor children are provided for, and their mortgage is paid after they die. As the name suggests, this basic form of insurance is only suitable for a certain period, whether five, 20, or 30 years. After that, the policy expires. Benefits
Dan Williams is an Insurance Consultant who helps individuals use life insurance to lower debt and build wealth. Dan is a top-notch, hands-on professional in the Financial Services Industry committed to serving people with good character and excellence. He crossed over from the Credit Repair industry to Life Insurance when his mother passed away without any insurance to help put her to rest. Since that moment, he has made it his mission to educate as many people as possible about the importance of protecting yourself, building wealth, and leaving a legacy. Dan believes that everyone deserves first-class service and a second chance. With a focus on consumer education and providing a unique and personalized experience, he is committed to working to eliminate the burden of financial uncertainty. At the same time, over 100,000 individuals have aplan of action and peace of mind for the future. Dan’s clients include everyday people, major financial banking institutions, real estate brokerages, and mortgage lenders all over the United States. Whole life is a form of permanent life insurance that differs from term insurance in two ways. Whole Life insurance never expires as long as you keep making premium payments. Additionally, Whole Life Insurance provides some cash value in addition to the death benefit, which can be a source of funds for future needs. What are some benefits to Whole Life Insurance? Whole Life Insurance allows you to borrow against or withdraw from the policy for other financial needs. It is essential to know that loans and withdrawals are generally tax-free, and loans may have beneficial terms. You can lock in your premiums for life. However, there are drawbacks to Whole Life Insurance. For example, the costs of Whole Life Insurance are more than comparable term policies. Also, if you let the policy lapse within the first few years, you could face surrender charges. Finally, any outstanding loans will reduce your death benefit. Dan Williams is an Insurance Consultant who helps individuals use life insurance to lower debt and build wealth. Dan is a top-notch, hands-on professional in the Financial Services Industry committed to serving people with good character and excellence. He crossed over from the Credit Repair industry to Life Insurance when his mother passed away without any insurance to help put her to rest. Since that moment, he has made it his mission to educate as many people as possible about the importance of protecting yourself, building wealth, and leaving a legacy. Dan believes that everyone deserves first-class service and a second chance. With a focus on consumer education and providing a unique and personalized experience, he is committed to working to eliminate the burden of financial uncertainty. At the same time, over 100,000 individuals have aplan of action and peace of mind for the future. Dan’s clients include everyday people, major financial banking institutions, real estate brokerages, and mortgage lenders all over the United States. Introduction: Educators play a crucial role in shaping the lives and futures of students from diverse backgrounds and situations. Recognizing this, a new methodology called the CARDS Method has emerged, emphasizing the importance of educators serving as counselors, advocates, role models, disciplinarians, and even surrogate parents (CARDS). Moreover, the recent addition of the TIPS (trauma-informed, person-specific) component to the CARDS Method has further enhanced its effectiveness in supporting students dealing with trauma. From this construct, we explore how the CARDS Method and TIPS Framework empower educators to serve students from diverse communities better. Understanding the CARDS Method: The CARDS Method provides a comprehensive approach for educators to connect with students on a deeper level, fostering an environment of trust, empathy, and support. By recognizing the unique challenges and strengths of students, educators can provide support and guidance that goes beyond traditional teaching methods. This empathetic approach fosters trust, promotes cultural understanding, and forms the foundation for effective teaching in diverse settings. Let's investigate each component and its significance: 1. Counselors: Educators who embrace the counselor role create safe spaces where students can freely express their thoughts, concerns, and aspirations. By actively listening and providing guidance, educators can help students navigate challenges and make informed decisions. 2. Advocates: Advocacy is key to addressing the unique needs of students from diverse communities. By amplifying students' voices, advocating for their rights, and promoting inclusivity, educators can ensure equal opportunities for all students. 3. Role Models: Students often look up to their educators as role models. By embodying values such as integrity, respect, and cultural sensitivity, educators inspire students to strive for excellence and contribute positively to society. 4. Disciplinarians: Discipline is essential for creating a conducive learning environment. Educators who uphold fair and consistent disciplinary measures foster a sense of accountability, responsibility, and mutual respect among students. 5. Surrogate Parents: In many situations, educators serve as surrogate parents, providing emotional support and a nurturing environment that promotes holistic growth. By fostering a sense of belonging and care, educators create a foundation for students to develop their full potential. The Importance of the TIPS Framework: To address the increasing prevalence of trauma among students, the integration of the TIPS Framework within the CARDS Method has been instrumental. This collaborative model promotes a cultural shift within organizations, emphasizing respect, inclusion, and appropriate response to trauma at all levels. The integration of the CARDS Method and TIPS Framework offers numerous benefits for educators working with diverse communities. To begin with, it allows for a deeper understanding of individual trauma and its impact, enabling more effective identification and intervention. Additionally, it promotes a cultural shift within school systems, emphasizing respect, inclusion, and appropriate response to trauma at all levels. This transformative approach not only benefits learners but also creates a more supportive and inclusive environment as a whole. Here's why it matters: 1. Trauma-Informed: The TIPS component equips educators with the knowledge and skills to recognize signs of trauma and respond empathetically. This understanding helps create safe spaces that facilitate healing and resilience. 2. Person Specific: Recognizing that individuals respond differently to trauma, the Person Specific aspect of TIPS emphasizes tailoring support to meet each student's unique needs. By adopting a personalized approach, educators can ensure effective interventions and foster a sense of individual worth. Benefits for Educators and Students: The CARDS Method, combined with the TIPS Framework, brings forth several benefits for both educators and students: 1. Improved Student Engagement: By promoting a safe, inclusive, and supportive environment, educators can enhance student engagement, leading to improved academic performance and overall well-being. 2. Enhanced Teacher-Student Relationships: The CARDS Method encourages solid teacher-student relationships built on trust, respect, and empathy. These connections create a sense of belonging and foster a positive learning experience. 3. Trauma-Informed Support: The TIPS Framework enables educators to support students dealing with trauma, promoting their healing journey and ensuring their educational needs are met. 4. Empowered Educators: By embracing the CARDS Method and TIPS Framework, educators feel empowered in their roles and equipped with the tools to make a positive impact on students' lives and contribute to the community at large. Conclusion: In an increasingly diverse educational landscape, the CARDS Method and TIPS Framework are potent tools for educators working with students from diverse communities and situations. By integrating the CARDS Method and TIPS Framework, educators can build a support system that honors the strengths, talents, skills, and contributions of every individual they serve. This cohesive and empathetic approach enables teachers to meet the ever-changing needs of individuals from diverse communities, fostering a more inclusive and supportive community. As educators move towards embodying the roles of counselors, advocates, role models, disciplinarians, and surrogate parents, they create inclusive spaces that cater to the specific needs and aspirations of students and with the integration of trauma-informed practices through the TIPS Framework, educators effectively support students dealing with trauma, paving the way for their academic and personal success. As we continue to navigate the complexities of our diverse world, the CARDS Method and TIPS Framework provide valuable guidance for practitioners dedicated to making a positive impact in the lives of those they serve while fostering connection, compassion, and community within educational settings. Life insurance for homeowners is a way to help protect the financial investment you make when you purchase a home if something unforeseen happens to you. The amount you put into your home is substantial. Beyond the listed price are closing costs, inspections, and taxes. When your family relocates to your new home, movers must be hired, household items must be purchased, and utilities must be set up. Depending on your choice of residence, you may also need to pay for repairs or renovations before (or shortly after) you move in. It’s a lot to think about, so it’s not surprising that many people overlook the importance of life insurance and increasing their coverage when buying a home. When you become a homeowner, purchasing life insurance is a way to protect your family and ensure that your loved ones can stay in the home if anything unexpected happens to you. If you already own life insurance, you’ll likely need to increase your coverage to sync it with the amount of your mortgage. Your life insurance policy’s benefit—the amount your beneficiary will receive—should be enough to pay off the mortgage. That way, you know your family will not lose their home. Dan Williams is an Insurance Consultant who help individuals use life insurance to lower debt and build wealth. Dan is a top notch hands on professional in the Financial Services Industry who is committed to serving people with good character and excellence. He crossed over from the the Credit Repair industry to Life Insurance when his mother passed without any insurance to help put her to rest. Since that momenthe has made it it mission to educate as many people as he can about the importance of protecting yourself, building wealth and leaving a legacy. Dan believes that everyone deserves first class service and a second chance. With a focus on consumer education and providing a unique and personalized experience, he is committed to working to eliminate the burden of financial uncertainty while over 100,000 individuals with a plan of action and peace of mind for the future. Dan’s clients’ include everday people in additionto major financial banking institutions, real estate brokerages, mortgage lenders that are located all over the United States. Not everyone needs life insurance. People who’ve accumulated enough wealth to cover their final expenses and who don't have dependents can usually forgo paying for life insurance. On the other hand, there are several groups that should strongly consider life insurance. Read on to discover some key points on who needs life insurance. KEY TAKEAWAYS
These are few indicators. Dan Williams is an Insurance Consultant who help individuals use life insurance to lower debt and build wealth. Dan is a top notch hands on professional in the Financial Services Industry who is committed to serving people with good character and excellence. He crossed over from the the Credit Repair industry to Life Insurance when his mother passed without any insurance to help put her to rest. Since that momenthe has made it it mission to educate as many people as he can about the importance of protecting yourself, building wealth and leaving a legacy. Dan believes that everyone deserves first class service and a second chance. With a focus on consumer education and providing a unique and personalized experience, he is committed to working to eliminate the burden of financial uncertainty while over 100,000 individuals with a plan of action and peace of mind for the future. Dan’s clients’ include everday people in additionto major financial banking institutions, real estate brokerages, mortgage lenders that are located all over the United States. Contact Dan Williams for more information and to see others benefits that comes with life insurance. (540) 628-5167 danwill4508@gmail.com Note: This article is not an endorsement by Forest Of The Rain Productions It's crucial to instill in your family the importance of embracing an abundance mindset —one that believes in limitless possibilities Youdeline A. Deravines Crafting Generational Wealth: A Holistic Approach to Lasting Legacy Generational wealth is not just about passing down financial assets; it's about leaving a legacy of well-being that enriches the lives of your descendants for generations to come. Building this legacy requires a holistic approach that combines both financial prosperity and the well-being of mind, body, and soul. The Power of Mindset Mindset is often gets overlooked as a key factor in creating generational wealth. How you perceive wealth, opportunities, and challenges profoundly influences your financial decisions and actions. For instance, I've encountered individuals who aren't keen on life insurance simply because the idea of leaving money behind for their family members to “enjoy” (as they put it) after their passing make them feel uncomfortable. The truth is, this discomfort stems from a mindset issue. It's crucial to instill in your family the importance of embracing an abundance mindset—one that believes in limitless possibilities. This mindset values legacy-building, where each family member understands the impact of their actions and financial choices on future generations. Additionally, it's essential to instill the value of resilience—a mindset that welcomes change and actively seeks opportunities in adversity to help your family navigate economic fluctuations. Health Is Wealth: The Vital Connection Health and wealth aren't separate entities; they are intertwined. Sadly, we live in a time where so many of us are more focused on securing the bag at the expense of our health. A healthy body and mind enable you to work, earn, and enjoy your wealth. Neglecting your health can jeopardize your financial security and legacy. 1) Prioritize your physical health through regular exercise, a balanced diet, and routine check-ups. A healthy body can reduce medical expenses and increase your earning potential. 2) Mental health is equally important. Manage stress, pray, practice mindfulness, and seek professional help if needed. A clear, focused mind is more adept at making sound financial decisions. 3) Avoid the trap of overworking at the expense of your health and relationships. Balance your professional and personal life to ensure long-term well-being. 4) Foster strong emotional bonds within your family. Healthy relationships and open communication create a support system that empowers each family member to achieve their potential. The Fiscal Mindset A fiscal mindset is more than just managing your finances; it's a way of thinking that shapes your financial decisions. Here’s how to cultivate it: 1) Start by educating yourself about money matters. Understand the basics of budgeting, investing, and financial planning to make informed decisions. 2) Set clear financial goals and priorities. Determine what matters most to you and your family. Is it funding your children's education, starting a business, or ensuring a comfortable retirement? Knowing your goals will guide your financial choices. 3) Create a budget that aligns with your goals. Track your expenses, cut unnecessary spending, and save consistently. Building wealth requires discipline and consistency in saving and investing. 4) Invest your money wisely. Diversify your investments to spread risk and consider long-term strategies. Understand the power of compound interest and how it can grow your wealth over time. 5) Education is pivotal for generational wealth. Support your family members in pursuing higher education and acquiring valuable skills. Higher education doesn't necessarily entail attending college; it can also involve investing in a coaching program or learning a trade. This broader view of education opens doors to better career opportunities and enhanced financial stability. 6) Protect your assets and financial future through insurance and risk management strategies. Health and wealth are interconnected, and unexpected events can impact both. Ensure you have a safety net in place. Leveraging Life Insurance for Generational Wealth Life insurance is a powerful tool in building generational wealth. It offers a safety net and financial security for your loved ones, ensuring their well-being in times of need. Moreover, life insurance can be leveraged to create wealth within the family. Whether it's using the cash value to buy a home, start a business, fund your child’s education, supplement your retirement income or invest in opportunities that contribute to generational wealth, life insurance provides a flexible and strategic means to achieve these goals. It can be the bridge that connects your financial past, present and future, ensuring your legacy lives on. You possess the power to reshape your family's financial trajectory; feel free to book a free generational wealth strategy session with me www.calendly.com/DYoudeline/Consultation to explore these possibilities. Learning by Example Remember, children are like sponges, constantly absorbing habits, behaviors, and actions. Your financial decisions and mindset serve as their first lessons in money management. Therefore, it's crucial to come together as a family to discuss finances openly and honestly. These discussions not only provide financial education but also strengthen familial bonds. As I always tell my clients, you may not have come from a wealthy family, a wealthy family can certainly come from you. 1) Share your values and principles regarding financial responsibility, resilience, and compassion. These values form the basis of your family's legacy. 2) Serve as a mentor to guide younger family members in their financial and personal journeys. Your wisdom and experience are invaluable assets. 3) Instill a sense of social responsibility by engaging in philanthropic activities as a family. This not only benefits the community but also reinforces the importance of giving back. 4) Recognize and celebrate family achievements, whether they are financial milestones, educational accomplishments, or personal growth. Celebrations create a sense of unity and purpose. In conclusion, generational wealth isn't solely about material riches; it's about leaving a legacy of financial stability, well-being, and opportunities for your family. A powerful component of this legacy is the mindset you cultivate. By nurturing a holistic approach that encompasses financial fitness, education, health, and strong family bonds, you set the stage for a prosperous and fulfilling multi-generational journey. Remember that your actions today shape the future of your family's wealth, making your efforts not only an investment in the present but also a gift for generations to come. Youdeline A. Deravines Generational Wealth Strategist www.calendly.com/DYoudeline/Consultation IG/Tik Tok: @Yourontrackgroup OnTrack Financial Group Empowering Wealth & Legacy Through Insurance, Personal Growth and Entrepreneurship. Dr. Mike Robinson: How can Black businesses position themselves for government contracts? Vicki Morris: As for being better positioned for government contracts, networking is a big part of the equation. Attending matchmaker events, also getting all the designations and maintaining the status of the designations can be a factor. Government contractors should be actively searching sites for new RFPs and RFQs. Seeing who won the contract last, and making sure the Black owned business has made the necessary connections and built the necessary relationships with the existing contractors to be a part of the team of contractors working the gov contract. Another tip would be to join associations where other more successful contractors are members. Become active in these organizations and build deeper relationships with people and companies that are doing the things you want to do. Vicki Morris has more than 20 years of marketing and communications experience. She is an avid strategist at heart. Vicki believes in asking the right questions to the right audience to help her client develop an on-point marketing strategy that is customized to create a message that resonates with the customers her clients most want to reach. Vicki graduated from Georgia State University with a degree in Marketing. She has worked in corporate America as a systems application engineer for an international telecommunications Vicki is married to Earl Morris and the couple has 2 adult sons Joseph and Michael. She resides in Madison, AL with her husband and they are happy empty nesters. Eight Reasons Students Should Consider Attending an HBCU. -Kimberly Sellars-Bates @ksb19089/11/2023 I was the first person in my family to attend college. My parents needed to learn about college tours, applying to schools, FAFSA, or scholarships. All they knew was that all I talked about since I was a little girl was going to college. My high school counselor offered some assistance with college choices. She told me how beautiful Florida was and encouraged me to apply to a college in Florida. No one was prouder than my parents when my acceptance letter arrived. The summer before I was to leave for college was spent shopping and saying goodbye to family and friends. My family and I packed the car to head to the Sunshine State for pre-band drill so I could audition as a dance girl. I was excited to leave my parents and live as a carefree college student. Full transparency: Although the state and campus were beautiful, it was much further from home than I was comfortable with. When football season started, we played a game in Alabama. When the bus turned onto campus and saw the omega symbol to the right, I knew I would transfer. I applied to Alabama State University (ASU) when I returned to Florida. At the end of the summer, when my parents told me that instead of taking the long drive to Florida, I would have to ride Greyhound, I revealed that I had transferred and would now be only 2 1/2 hours away in Montgomery. They were ecstatic, and so was I. On the first day of the pre-band drill, I knew I had made the right decision by attending an HBCU. It was one of the best life decisions I ever made. There are eight reasons students should consider attending an HBCU.
Dr. Kimberly Sellars-Bates |