2012-08-28

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2012-08-18

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2012-08-03

A WHITE WOMAN TELLS SINGLE BLACK WOMEN WHY BLACK MEN PREFER WHITE WOMEN....http://BusinessCreditAmerica.com 1-888-821-6408x2

Dear Jamie:

I’m sorry but I would like to challenge some of your Black male readers. I am a White female who is engaged to a good looking, educated and loving Black man. I just don’t understand a lot of Black females attitudes about our relationship.


My man decided he wanted me because the pickings amongst Black women were slim to none. As he said they were either too fat, too loud, too mean, too argumentative, too needy, too materialistic or carrying too much excess baggage. Before I became engaged, whenever I went out I was constantly approached by Black men, willing to wine and dine me and give me the world.

If Black women are so up in arms about us being with their men, why don’t they look at themselves and make some changes. I am tired of the dirty looks I get and snide remarks when we’re out in public. I would like to hear from some Black men about why we are so appealing and coveted by them.

Bryant Gumbel left his wife of 26 years for one of us. Charles Barkley, Scottie Pippen, the model Tyson Beckford, Montell Williams, Quincy Jones, James Earl Jones, Harry Belafonte, Sydney Poitier, Kofi Anan, Cuba Gooding Jr., Don Cornelius , Berry Gordy, Billy Blanks, Larry Fishburne, Wesley Snipes…. I could go on and on.

But, right now, I’m a little angry and that is why I wrote this so hurriedly. Don’t be mad with us White women because so many of your men want us. Get your acts together and learn from us and we may lead you to treat your men better. If I’m wrong, Black men, let me know.

Disgusted White Girl, Somewhere in VA

>>>>>>>>>>>>>>>>>>>>>>>>>> RESPONSE

Dear Jamie:

I would like to respond to the letter written by A Disgusted White Girl. Let me start by saying that I am a 28-year old black man. I graduated from one of the most prestigious universities in Atlanta , Georgia with a Bachelor of Arts Degree in Business Management. I have a good job at a major corporation and have recently purchased a house. So, I consider myself to be among the ranks of successful Black men. I will not use my precious time to slander white people. I just want to set the record straight of why Black men date white women.

Back in the day, one of the biggest reasons why black men dated white women was because they were considered easy. The black girls in my neighborhood were raised in the church. They were very strict about when they lost their virginity and who they lost it to. Because of our impatience to wait, brothers would look for someone who would give it up easy without too much hassle. So, they turned to the white girls.

Nowadays, in my opinion, a lot of brothers date white women because they are docile and easy to control. A lot of Black men, because of insecurities, fears, and overall weaknesses, have become intimidated by the strength of our Black women. We are afraid that our women will be more successful than us, make more money than us, drive nicer cars and own bigger houses.
Because of this fear, many Black men look for a more docile women. Someone we can control. I have talked to numerous Black men and they continuously comment on how easy it is to control & walk over their white women.

I just want to set the record straight. I want A Disgusted White Girl to know that not all successful Black men date white women. Brothers like Ahmad Rashad, Denzel Washington, Michael Jordan, Morris Chestnut, Will Smith, Blair Underwood, Kenneth ‘Babyface’ Edmonds, Samuel L. Jackson, and Chris Rock all married strong Black women.

And, to flip the script, there are numerous white men, in and out of the spot light, who openly or secretly desire black women over white women. Ted Danson, Robert DeNiro, and David Bowie and Robin Thicke, to name a few.

I just don’t want a disgusted white girl to be misinformed. Stop thinking that because you are 20 and white, you are some type of goddess. Remember, when Black Egyptian Queens like Hatsepshut and Nitorcris were ruling Dynasties and armies of men in Egypt , you were over in the caves of Europe eating raw meat and beating each other over the head with clubs. Read your history!

It was the Black woman who taught you how to cook and season your food. It was the Black woman who taught you how to raise your children. It was Black women who were breast-feeding and raising your babies during slavery. It is the Black woman who had to endure watching their fathers, husbands, and children beaten, killed, and thrown in jail.

Black women were born with two strikes against them; being Black and being a woman. And, through all this, Still They Rise! It is because of the Black women’s strength, elegance, power, love and beauty that I could never date anyone except my Black Queen. It is not just the outer beauty that captivates and draws me to them. It is not the fact that they come in all shapes, sizes, colors and shades that I love them… that I find most appealing about Black women.

Their strong spirit, loving and nurturing souls, their integrity, their ability to overcome great obstacles, their willingness to stand for what they believe in, and their determination to succeed and reach their highest potential while enduring great pain and suffering is why I have fallen in love with black women.

I honestly believe that your anger is geared more toward jealousy and envy more so than snotty looks. If this were not so, then why do you continuously go to tanning salons to darken your skin? If you are so proud to be white, then why don’t you just be happy with your pale skin? Why do you continue to inject your lips, hips, and breasts with unnatural and dangerous substances so you can look fuller and more voluptuous like Black women?

I think that your anger is really a result of you wanting to have what the black woman has.

BOTTOM LINE:

If I were looking for a docile woman, someone I can walk over and control, I would give you a call. But, unfortunately, I am looking for a Virtuous Woman. Someone that can be a good wife and mother to my children. Someone who can be my best friend and understands my struggles. I am looking for a soul mate. I am looking for a sister and; unfortunately, you do not and CANNOT fit the bill.

No offense taken, none given.

Signed,
Black Royalty
 

2012-08-02

How to get money for you business with out borrowing for the banks. http://BusinessCreditAmerica.com 1-888-821-6408x2

Here's some great alternatives to get monet for your business. http://BusinessCreditAmerica.com

Asset-Based Lending
HOW IT WORKS Companies sell their receivables, or invoices, to a factoring company, which gives the companies 80 to 90 percent of the value upfront and the rest when the invoices are paid off. Some lenders offer loans based on a company’s purchase orders, contracts or inventory.
WHO USES IT Business-to-business companies that cannot wait for payment and especially troubled companies, because an invoice factor depends on the client’s ability to pay, not the borrower’s solvency. Purchase-order, contract and inventory loans require more creditworthiness from the borrower. “If you’re in the office supplies business and you get an order from Staples, you can use purchase-order financing, and it can level the playing field,” said Neil Seiden, managing director of Asset Enhancement Solutions, a financial adviser in Port Washington, N.Y.
COST Purchase-order financing costs 4 to 5 percent monthly, while the effective annual interest rate charged by factorers is usually 18 to 30 percent, said Mr. Walsleben, who is also a co-owner of the Hamilton Group, a factoring company.
SUPPLIERS Liquid Capital, the Interface Financial Group, Triton Business Solutions, Simplified Leasing, Rosenthal & Rosenthal and scores of other firms offer factoring and other asset-based lending services. Many are members of the International Factoring Association trade group.
Lease-Back
HOW IT WORKS A company sells its real estate or equipment for cash and simultaneously leases it back.
WHO USES IT Healthy companies with warehouses, manufacturing locations or other properties that hold value that could be put to use elsewhere. The borrower sells at market value, usually the average of several appraisals, and leases the property back at the market rate for 10 to 25 years.
COST The lease-back adds a monthly lease payment where previously there was none. Companies get less value from equipment than real estate because, unlike real estate, equipment depreciates over time, and lenders tend to value it at what is known as forced liquidation value, a lowball price based on what it would fetch at auction. Equipment lease-backs can create tax burdens as well. “If I own a press outright for 10 years and it’s worth $1 million, but it’s on the books for $250,000, and I sell it for $1 million, I’ll have to pay tax on a gain of $750,000,” Mr. Walsleben said.
SUPPLIERS AIC Ventures, W.P. Carey, Calkain Companies and many others. Borrowers can search on the Commercial Finance Association trade group’s Web site.
Cash Advances
HOW IT WORKS A business receives a lump sum from a lender, which then takes a percentage of the business’s daily card receipts until the loan, plus a predetermined fee, is paid.
WHO USES IT Restaurants and other retailers. Business-to-consumer companies generally have more limited financing options because they do not have wholesale invoices to factor or factories to borrow against.
COST Twenty percent and up, but highly variable.
EXAMPLE When he needed money last year to cover utilities and taxes during the slow winter months, Dennis Sick, owner of the Mohegan Manor restaurant in Baldwinsville, N.Y., took out a $45,000 advance on credit card receipts. The lender said he would take 13 to 18 percent of Mr. Sick’s daily credit card sales until he had received $64,000, which would take 12 to 15 months and give him an annual rate of 35 to 40 percent. But Mr. Sick ended up paying the $64,000 in seven months, giving the lender an annual return of some 70 percent.
SUPPLIERS AdvanceMe, RapidAdvance and many others. The North American Merchant Advance Association trade group gathers many providers.
Nonbank Loans
WHO USES IT Seasonal businesses, microbusinesses and other businesses that cannot meet bank requirements.
HOW IT WORKS Lighter Capital, a revenue-based finance company in Seattle, offers loans of $50,000 to $500,000 to small businesses with high gross margins. The borrower pays Lighter Capital 2 to 8 percent of its monthly revenue until the repayment amount is reached, and usually gives the lender warrants for 1 to 5 percent of the company. The country’s 400 or so nonprofit community development financial institutions, on the other hand, fill the role of small community banks, lending to microbusinesses. “Our clients are supplemental income businesses, like cupcake trucks and Main Street businesses whose lines of credit got called,” said Claudia Viek, chief executive of the California Association for Micro Enterprise Opportunity, a network of California C.D.F.I.’s.
COST Lighter Capital’s chairman, Andy Sack, said the cost of obtaining financing from his company was around 20 percent annually. Ms. Viek said she expected California C.D.F.I.’s to make some 2,000 three- to five-year loans of up to $50,000 this year, at an average interest rate of about 8 percent. The rates can go as high as 14 percent.
EXAMPLE “In the past, we would go to the local bank and get loans on signature,” said Christi Riggs, 40, co-owner of Lone Star Linen laundry service, based in Taylor, Tex. When the bank said no, Ms. Riggs took out a loan from On Deck Capital, a New York-based company that analyzes business performance data — cash flow, credit, even social media information — to review loan applications from small businesses. Once granted, the loans, up to $150,000, are repaid through automatic daily bank account withdrawals, much as a merchant cash advance works. The short-term loans, typically for three to 18 months, charge an annual rate of 18 to 36 percent, said Noah Breslow, chief executive of On Deck. Ms. Riggs ended up paying $27,750 on a six-month loan of $25,500, or an annual rate of about 18 percent.
SUPPLIERS Lighter Capital, On Deck Capital, Kabbage and others. Many C.D.F.I.’s are members of the CDFI Coalition.
Peer-to-Peer Loans
HOW IT WORKS Individual investors combine to lend money to small-business owners through online vetting platforms like Lending Club.
WHO USES IT Small-business owners with good credit scores who need money to expand or to buy equipment.
COST Depending on the owners’ credit ratings, annual rates can run from less than 7 percent to more than 25 percent. The loans are small, however, with a maximum of $35,000 at Lending Club.
EXAMPLE When Hannah Attwood wanted to raise money to open a cloth diaper supply and cleaning service, she went to four banks. “They just kind of laughed at me,” said Ms. Attwood, 34, founder of Adore Diaper Service, based in Ventura, Calif. She applied to Lending Club on a friend’s suggestion, and within a week, 61 investors had jointly given her a three-year, $6,000 loan at 11.36 percent. She combined the loan with an equal amount of savings to buy industrial washers and dryers and cloth diapers.
SUPPLIERS Lending Club and Prosper dominate the peer-to-peer market in the United States.