Anita Johnson's blog

Event registration for Big Girls Don't Cry Hangout powered by Eventbrite

The Frugal Habits of Millionaires - 360 Degrees of Financial Literacy

The Frugal Habits of Millionaires - 360 Degrees of Financial Literacy.

The ART of NEGOTIATING a FAIR Wage for Women on Vimeo

Join International Business Consultant Erica A. Murray and World Renowned Wealth Manager Anita R. Johnson, as they discuss negotiating fair wages for women on March 20, 2014 at 1pm CST. This is a FREE teleconference! Register at stadiumroar.com/theempowermentnetwork to secure your presence. Limited Availability...

via vimeo.com

I Have A Dream Too

My dream for my Grand Daughter; the dream is she not be judge by the color of her skin and texture of her hair because her parents are Black and German

 

My dream is for her never to hear the words “your hair is good.” For what the hell is good hair? “Well you are mixed.” What is she mixed with Flour, sugar, salt eggs? No; she was born of two people that loved each other and decided to have a child.

 

Black women spend an average of a TRILLION DOLLARS ON HAIR PRODUCTS ALONE but own only less than 10% of the industry. Black Women’s Net Worth is $1.00.

 

Don’t get me wrong I want my sisters to get their hair “DID” if they want. Wear it nature if you want-YOUR BUSINESS” But why do we select to measure others up to what somebody else has told us what beautiful is.

 

While we are talking about Blue Ivy, Pam Oliver and Gabby Douglas’s hair-these ladies they have made great strives (except Blue Ivy) walking the Red Carpet, meeting Presidents/First Ladies and making that money and set for life.

 

So I Got a Dream Too. Stop Beating Each Other Up Over Hair. 

null

http://www.anitarjohnson.com

Educating women with financial tools to create wealth building skills

With the divorce rate being over 50% one thing each woman should know if you are entitled to a portion of your spouse’s retirement benefit if you and your husband divorce.

As part of a divorce or legal separation, you may be able to obtain rights to a portion of your spouse’s retirement benefit or if he is entitled to any of your retirement. A woman should educate herself on qualified domestic relations order (QDRO) issued by the court.

Ladies never give up on your financial future. NEVER

www.moneywisomforwomen.net

www.anitarjohnson.com

www.moneywisomforwomen.eventbrite.com

916-452-4270

It is almost impossible to live without them; well at least that is what the banks and credit card companies want you to think. Credit cards have become the fabric of our lives. Family households average about four to eight credit cards. Having too many credit cards can damage not only your credit score, but your dependence on credit cards.

According to Federal Reserve more than 50% of Americans have an average of four to eight cards, with the card debt hitting $14,718. That is what you call power of the extra dollar. Fortunately, credit card debt is decreasing. However, 20 %of Americans polled in 2010 survey were asked, "When the economy is stronger will you continue to use your credit cards," over 40% said yes (CFO Magazine).

Paying off credit card debt is vital to your asset building. Any payments to credit card debt does allow you to contribute to retirement, emergency savings, and college education. For example, your balance is $3,000 at 17% with a $15 monthly charge paying $100 it will take you 50 monthly or to pay the $3,000 credit card. In 12 months you will need to pay $289 per month. That is a savings of over $4,000, which could be investing into a wealth building vehicle.

To keep control of your credit card:

• Ask for and receive your credit statement free from all three credit reporting agencies Checking your credit report once a year at a minimum requires you the examine each transaction making sure are the owner of each and every one of those transactions.
(say why)

• Track your income and expenses One of the most important acts you can do for yourself is to begin to have a clear, concise and understanding of cash flow. Tracking your finances allows you to have control how your money is earned and spent.

• Pay your bills on time. Paying your bills on time keeps your credit score high. The higher your score the lower your interest rate on borrowed monies.



It is important to that each of us keep (who is each of us/our) our credit at a level that can be managed. It is better to have and not need rather to need and not have.

Some people say that even though Ann Romney did not work outside the home, she raised five boys, therefore she knows what women who work and raise children. Well

It is almost impossible to live without them; well at least that is what the banks and credit card companies want you to think. Credit cards have become the fabric of our lives. Family households average about four to eight credit cards. Having too many credit cards can damage not only your credit score, but your dependence on credit cards.

According to Federal Reserve, more than 50% of Americans have an average of four to eight cards, with the card debt hitting $14,718. That is what you call power of the extra dollar. Fortunately, credit card debt is decreasing. However, (percentage or the exact #) of Americans polled in (year) survey were asked, "When the economy is stronger will you continue to use your credit cards," over 40% said yes.

Paying off credit card debt is vital to your asset building. Any payment to credit card debt does allow you to contribute to retirement, emergency savings, and college education. For example, your balance is $3,000 at 17% with a $15 monthly charge paying $100 it will take you 50 monthly or to pay the $3,000 credit card. In 12 months you will need to pay $289 per month. That is a savings of over $4,000, which could be investing into a wealth building vehicle.

To keep control of your credit card:

• Ask for and receive your credit statement free from all three credit reporting agencies Checking your credit report once a year at a minimum requires you the examine each transaction making sure are the owner of each and every one of those transactions.

• Track your income and expenses. One of the most important acts you can do for yourself is to begin to have a clear, concise and understanding of cash flow. Tracking your finances allows you to have control how your money is earned and spent.

• Pay your bills on time. Paying your bills on time keeps your credit score high. The higher your score the lower your interest rate on borrowed monies.


It is important that each of us keep our credit at a level that can be managed. It is better to have and not need rather to need and not have.

Examine What Love is Not Before Shopping for Valentine’s Day Gifts



Agency Promotes Responsible Spending for All Consumers





Riverside, Calif. – (Feb. 7, 2012) - Cupid will likely try to convince shoppers to put their good financial judgment aside this Valentine’s Day, and instead don heart-shaped financial blinders when shopping for that special gift.



The National Retail Federation estimates that consumers will spend $17.6 billion during this one holiday, or $126 per person, up 8.5 percent from 2011. “This spending will certainly be a nice boost to the economy,” said Melinda Opperman, senior vice president for Springboard Nonprofit Consumer Credit Management. Springboard has been providing financial literacy education to youth and adults since 1974. “Consumers who are already in financial distress, or on the cusp, should not feel compelled to spend, putting their own economic well-being at further risk,” added Opperman.



Springboard suggests that consumers consider the following list of what love isnot as they shop for their Valentine:



· Love is not spending more than you can afford on a gift. Regardless of the motive, being overly generous when money is tight is really no gift at all, to the recipient or the giver.

· Love is not being a pretender. Honesty, including financial honesty, is key to any relationship. Don’t pretend that you have money you don’t by playing the big-spender role.

· Love is not making financial decisions with the heart. Even though emotional spending can give a temporary high, it can also lead to guilt and buyer’s remorse.

· Love is not avoiding the financial realities. Burying your head in the financial sand and living as if there were no money problems only digs the financial hole deeper.

· Love is not giving a gift that will soon be forgotten. Most people cannot remember what they received last Valentine’s Day. Making a purchase simply to have a gift in hand will be equally forgettable and a waste of money.

“Spending irresponsibly is no way to say ‘I love you.’ However, showing that you are financially reliable is a tangible expression of that sentiment. It’s a gift that’s meaningful, always in style, won’t wilt or add pounds,” continued Opperman.



If you need help finding extra money in your budget, consider reaching out to Springboard and asking to speak with a certified financial counselor. Across the nation, Springboard offers personal financial education and assistance with credit counseling, housing counseling, debt and money management through educational programs and confidential counseling. Springboard offers financial workbooks, calculators and other helpful resources, which may be accessed and downloaded for free at http://credit.org/blog/ .



About Springboard Nonprofit Consumer Credit Management

SPRINGBOARD® Nonprofit Consumer Credit Management is a 501(c)(3) nonprofit personal financial education and counseling organization founded in 1974. Springboard is a HUD-approved housing counseling agency and a member of the National Foundation for Credit Counseling, a national organization of nonprofit credit counseling agencies, and a member of the Association of Independent Credit Counseling Agencies. The agency offers personal financial education and assistance with credit counseling, housing counseling, debt and money management through educational programs and confidential counseling. Springboard is

accredited by the Council on Accreditation, signifying the highest standards for agency governance, fiscal integrity, counselor certification and service delivery policies. The agency provides pre-bankruptcy counseling and debtor education as mandated by the bankruptcy reform law. The agency offers nationwide phone counseling services and has locations in California, Arizona, Nevada, New Mexico and Texas for in-person counseling sessions. Not all types of counseling are available in-person at all locations, please call for details. For more information on Springboard, call 800-449-9818 or visit their web site atwww.credit.org.