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Apple and Google Plan to Launch an App that Tracks You and Your Phone Inorder to Slow the Spread of Coronavirus! With it? or Not?



On Friday, two known bitter foes Apple and Google said they plan to launch a joint effort to help public health authorities control the spread of the coronavirus aka The Rona.

The two tech giants will release software tools that let developers create apps that turn people’s smartphones into contact tracers using Bluetooth technology.

  • Contact tracing = a virus containment method that catalogs newly infected people and everyone they’ve been in recent contact with. That way, officials can map, and hopefully slow, the virus’s spread. 

There are many concerns about privacy (and rightly so) because the thought of these two tech giants tracking the world’s movements doesn’t exactly play well. But the companies say the platform they’re developing will protect user privacy.

  • The apps wouldn’t track locations, just devices’ contacts with other devices, anonymously. 
  • The ACLU said the plan “appears to mitigate the worst privacy and centralization risks.” 

Looking aheadthe companies hope to release the support software next month. What are your thoughts? Are you with it? or Not? Let us know below

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Ash Exantus aka Ash Cash is one of the nation’s top personal finance experts. Dubbed as the Hip-Hop Financial Motivator, he uses a culturally responsive approach in teaching financial literacy. He is also a speaker, and bestselling author of six books. Ash has established himself as a thought leader and trusted voice with Corporate America, Colleges, Churches, and Community based organizations. Ash is best known for helping people maximize their full potentials by giving them the inspiration, tools, and resources needed to live their best lives. For more info on Ash please visit


Teaching Your Children The Importance Of  Wealth



You’ve worked hard to build your estate, and maintain it over time. Eventually, it will be time to leave your estate to your children. How will you make sure that they are prepared?

Just as you have a responsibility to manage your wealth, you have a responsibility to educate your children about how to manage it. Children also have a responsibility to learn. It’s your job to show them the way.

The dialogue about family wealth changes over time. Children might have a certain frame of reference as teenagers, but that dynamic changes once they marry and spouses are introduced into the family. The conversation about transfer of wealth happens over and over again, at different milestones in life. As the point of departure nears where there will be some significant asset transfer, all of the cumulative talks where you have been educating and steering the child over time will have to be used in their OWN lives.

Monday ( Sept 21) on the “Ash Cash Show” Ash Cash shared praise and admiration to his daughter, her growth and respect for money is inspiring, as she is active in the family  business. At the tender age of twelve, seeing her using her earned income to purchase her own items, was a delight for him to see.  Like most parents should, Ash Cash used the best time to start talking to his child about money and the family’s assets as early as he felt comfortable. The process ultimately has two parts that should be handled separately: teaching money skills, and revealing family wealth.

Think of it as a process of apprenticeship, where your children will learn from you how your family’s estate should be handled. Incremental learning and incremental responsibility will be the cornerstones of a successful education process.

When you feel like your children are mature enough to handle wealth management, and you respect the people they are becoming, it’s time to go to the next step and educate them about the family’s wealth and their inheritance. YES! THEIR INHERITANCE. Advisors say, that making them aware of your family’s wealth, and their responsibilities pertaining to it, early on will set them up for the best chance of success.

Allow your children  to sit in on business  conversations  and learn to communicate as a business owner. You need to allow the next generation to make their voices heard when it comes to philanthropic endeavors. Don’t just sit around a table and make decisions about which organizations to give family money to, encourage your heirs to participate in the work these organizations do, and experience the difference that money makes.

It’s important to teach children the story and context that’s behind the accumulation of family wealth. It involves other members of the family who built something that is being passed down. In that story, there are highs and lows, setbacks, victories, and all of this is important in setting the context for stewardship. Share with them how complex it was to achieve the wealth and what it takes to keep it.

The education is KEY. If you have a portfolio and you look at its value over time, your heirs need to understand how different withdrawal rates will affect that value. It’s frequently an eye-opener for children and families when they realize that they have to be very deliberate about this process in order to preserve the wealth through generations.

Remember: This sense of accountability will permeate their lives and help them behave in matters of generational wealth.




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Black Wall Street 2.0



Are we starting to build Black Wall Street 2.0 with the latest merger between Broadway Financial Corporation and City First Banc Corporation?  In August, two black owned banks, Broadway Financial Corporation and City First Banc Corporation decided to come together to create the largest black-led minority depository institution in the United States.  Broadway and City First each hold a strong financial position as Community Development Financial Institutions (CDFIs).  Both banks have a history of advancing economic and social equity through capital in low to moderate income communities.   As of June 30, 2020, Broadway and City First have deployed a combined $1.1 billion in loans and investments in their communities since 2015.

This merger will create jobs, close funding gaps, expand critical social services, and economic development.  As Brian E. Argrett, who is President and CEO of City First Bank and the Vice Chair and CEO of the new combined institution stated, “Given the compounding factors of a global pandemic, unprecedented unemployment and social unrest resulting from centuries of inequities, the work of CDFIs has never been more urgent and necessary”. “As part of this historic merger, we are demonstrating that thriving urban neighborhoods are viable markets that require a dedicated focus, long-term commitment and critical access to capital.”

Wayne-Kent Bradshaw, Broadway’s President and CEO and now the board leader also stated: “The new combined institution will strengthen our position and will help drive both sustainable economic growth and societal returns,” “We envision building stronger profitability and creating a multiplier effect of capital availability for our customers and for the communities we serve.”

This merger is a game changer in the financial industry to be the largest minority depository institution, but also for the communities the institution serves.  The economic development and growth this merger will bring to help create jobs, create opportunities for business owners, and homeowners are just the start.  The communities the institution will invest in will create social services by allowing children to see another career choice.  We are expecting great opportunities for this merger to show society when we invest in urban communities, the outcome for neighborhoods and future generations are sure to change.

We are continuing to take back our power as consumers and we are not waiting for anyone to save us. We are reaching back into our own communities by investing in them while changing the narrative.  This merger will open doors for new business owners to seek small business loans. The long-term renter that will have the opportunity to seek first-time home buyer’s guidance from a bank that not only looks like them but also can relate to their plight. The young graduate can start their career at one of the bank locations that will be created. Possibilities are endless with this merger from job creations to improving the people lives in the surrounding community.  It our modern day, The Banker, the movie based off a true story, starring Samuel L. Jackson and Anthony Mackie.  In the movie, the two crusaders purchased real estate, banks, and buildings to make opportunities available to the black community.

The merger is expecting to expand in the banks’ current geographic areas and to expand to other high-potential urban markets, throughout the United States.  The merger is expected to close the first quarter of 2021. We are looking forward to the future of Broadway and City First Banc, where this may be a start of the new Black Wall Street.

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The Business of Black Struggle: How Stereotypes Help Ad Revenue + How to Change the Narrative



What you see more online is what becomes reality for most in 2020. Politics, Pandemic, Black Lives Matter Movement and Small Businesses, all have became the growing highlights of socialmedia. Every person has the ability to search, post videos from their smart phones; which creates a perception of the world around us, including our relationship with ourselves.

Anyway you look at things, Advertisers don’t just shove things into ads. They study what people like and then try to design an approach that will appeal to their target audience. On “The Ash Cash Show” episode this past Friday, Ash Cash shared thoughts on Ad Revenue; how socialmedia is a powerful tool in Ad Revenue and how we as consumers can control the narratives on how the world sees us and markets to us.

When it comes to what goes into an ad, advertisers have a long list of techniques to choose from. They can decide whether you might like a funny ad better than a touching one, or whether it might work best to get you to see their product as the solution to something you fear (acne or body odor, for example).

Through social media, Black consumers have brokered a seat at the table and are demanding that brands and marketers speak to them in ways that resonate culturally and experientially—if these brands want their business. And with African Americans spending $1.4 trillion annually as of 2020, brands have a lot to lose. Scrolling through Instagram or Facebook, you will see what is important to consumers.


Black Consumer’s spending already significantly affects the bottom line in many categories and industries.The enormous buying potential of Black consumers has put a spotlight on many popular brands’ ability to navigate the nuances of culturally relevant and socially conscious marketing.

We have the power to change the way we are viewed on socialmedia and who gets our dollars. Who are you as a customer online? What is your primary social network? What online content are you consuming the most? Focus on your socialmedia presence and interest, this will protect your dollars. Activate and pay attention to your own social campaign that’s attracting brands to your communities.

55 critical social media statistics to fuel your 2020 strategy


Your content presence online is a representation of you and your community. Change the narrative of what represents you as a consumer. Learn about being equal in parts of the right media mix and alignment with the correct visual representation of your dollars.

You have to test, measure, and expand your messaging and content across various media formats. Track, listen, and learn what content drives the most engagement and conversion. TAP IN! Presently, African Americans comprise more users on YouTube, Facebook, and Instagram than non-Hispanic white consumers. With that power you can control how brands market and advertise.

As cultural trendsetters and informed shoppers, the influence and importance in our economy is stronger than ever. As such, brands have to sharpen their strategies, best to be ready to engage.






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