Gold is money

What do you do when you go to the bank and they issue your retirement funds with worthless paper?  Quantitative easing is the formal name for the introduction of new money into the money supply. But another way of ‘telling it like it is’;  really simple – printing money out of thin air, because the government owns the presses.


When President Richard Nixon took the US off the gold standard in 1971 the country went into commercial paper,(IOUs) “fiat currency”. Because when the money supply was disconnected from the gold, and it became more plentiful to those in control. For the whole story see The Creature from Jekyll Island by G. Edward Griffin – A second look at the Federal Reserve.

In the HBO Movie “To Big To Fail” the bankers got greedy and the lenders got lacks. And when it failed Wall Street was bailed out while Main Street suffered. Now that the White House wants even less regulations, the government regulators (employees not politicians) are not looking at the foxes who control the hen house.

So now the question is what are you going to do to protect your nest egg? In the last go round, many not only lost their eggs (their money, IRAs) but they lost their nest, their biggest investment, their  homes. If you could save pure gold 999.9 % 24 karat certified by the London Bullion Association,  but in small amounts would you do it?  JP Morgan is the Banker who said, “Gold is money, everything else is credit”.

Saving $300 per month starting in 1990 would be worth $72,000 in 20 years. But due to inflation your $72,000 would only be worth $56,000.  Saving $300 per month in 24 karat 999.9 % physical gold over a 20 year period would be  worth $236,000. Because it’s an appreciating asset. It’s not a gold certificate but actual gold (1 gram, 2.5 gram and 5 gram increments only). They will store it of you or you can have it shipped directly to you. Money is important but so is peace of mind.

You can get a FREE account and start savings today.


What side of the counter are you on?

On Small Business Saturday, what side of the counter were you on?  As we approached another holiday season were you busy hunting for the best deals on Black Friday as a consumer but having nothing to sell the next day? 

In the summer of 2018 Maggie Anderson came back to Philadelphia and gave an update of the Empowerment Tour. Maggie wrote My Black Year which gained national intention as her family attempted to support Black Owner business owners in the Chicago area.

When she did her TEDx Talk she discussed the lack of Black owned businesses. If we don’t get involved with being on the other side of the counter we miss out and so does America. You can go to any major city and find a China Town or an Italian Market but there is no Black Market Place. 

The African American consumer market has passed the trillion dollar mark. But what do we have to show for that beside all the stuff we buy. That figure is larger than the entire nation of Spain. There is a reason and a solution, if there is a collective will. Black goes into more detail at .

My mother migrated from the South to escape an abusive relationship. When I got older I worked on the assembly line in Detroit while still in high school, but had to find a way off the line because of the daily grind. I personally witnessed the fall of the city during the 1967 Detroit Riots. The whole city didn’t fall, but most of the damage was done in Black neighborhoods; 2,000 building were destroyed, 7,200 people were arrested, 1,100 people were injured and 43 people were killed. I go into a little more detail in my book Standing in the Shadows, Listening to the Greats!!! 

America is about economic and political power. If you have no power you have no clout. America was built around neighborhoods and the people in these neighborhoods prospered as they did business with each other.  The Atlanta Black Star goes into more detail. . Martin was trying to leave a economic message before he left.

Lemar and Ronnie Tyler created a movie and provided a DVD titled Generation One The Search for Black Wealth. It takes a hard look at the numbers and gives a historical context to early wealth that was creation in the Nation. If you spend all you got what are you going to do if or when you loose your job?

If you don’t leave something behind then each generation must start over. And that applies to every ethnic group. The cost of housing has gone up and the cost of higher education is like taking out a mortgage. What is really sad is when companies lay people off right before the holiday. It’s the business cycle of clearing the books before the start of the new year, but it’s personal when it happen to you or someone you know. 





Practice what you preach

The late great Wayne Dryer (May 10, 1940 – Aug. 29,2015) was a man who practiced what he preached. He quit his college job lecturing on positive thinking and motivational thinking techniques and went on the road to sell his first book Your Erroneous Zones.

He sold so many books out of the back of his station wagon and showed up to so many book stores and made so many media appearances that he made the best-selling list before book publishers even notice what was happening.

 Dyer was born in Detroit and spent much of his first ten years in an orphanage on the East side of town. His father walked out on his mom, leaving her to raise three young boys. I was also born in Detroit and spent the first nine years with my mom.

My mom was starting over after having left her first five kids with their dad in Mississippi. He was so abusive that the last time he beat her, he said next time he would kill her, so she left in the middle of the night and headed North.

Dyer built his success with lecture tours a series of audio tapes a PBS program and regularly publishing new books. He would recount anecdotes from his family life and use his own personal experiences. The fact that he was also Navy veteran just added another level of experience.

I wrote an blog about AARP coverage of those approaching the end of life and they featured comments from Bronnie Ware’s book “The top five regrets of the dying”. Nobody wished they had worked more. Almost all of them had wished they had lived the life they were destined to life. 

Dyer worked as a high school guidance counselor before he became a Professor of Counseling Psychology at St. John’s University in New York City. His focus was on positive thinking and motivational techniques.

I started blogging because I was taking early retirement. I chose personal development because it kept me straight during tough times. My mom sent me to stay with my dad while she went into the hospital. When she came out they decided to let me stay with him, so I spent the next nine years with him.

I dedicate my first book to my mom. “Standing in the Shadows, Listening to the Greats!!!” Subtitled – A blog novel of true stories of ordinary people who overcame all kinds of odds to become extraordinary, who then turned around to help others. If you don’t write your own story, nobody else will.


When Dyer talked about listening to that infinite voice I took heed. I didn’t cross the police line (The 1967 Detroit Riots) but I worked on the Chrysler assembly line, I walked the flight line in Libya, North Africa, and I supported the front lines in Germany as a two-time military veteran (US Air Force and US Army). 

That is my story and my legacy. What will be yours?


Google Doodle Honors Vets on Veterans Day

On Nov. 11, 2018 (Veterans Day) Google honored Olivia J. Hooker by featuring her story on the Google Doodle. It was their salute to all the military veterans on Veterans Day.  As an Air Force and Army veteran I listened to all the stories.


When Olivia started to tell her story, and she said that she was 103 and that she was the first African American to join the US Coast Guard in 1945. I became curious, so I went to Wikipedia, the on-line Encyclopedia to learn more.

Hooker applied to the Women Accepted for Volunteer Emergency Service (WAVES) of the US Navy, but was rejected because of her ethnicity, so she enlisted in the US Coast Guard instead. She was one of only five African American females to first enlist in the Coast Guard Women’s Reserve (SPARS) program. She thought she would be working in the galley, scrubbing pots and pans but she performed administrative duties. She earned the rank of Petty Officer 2nd Class before the program was disbanded.

Olivia J. Hooker is also the oldest survivor of Black wall street and the Tulsa Oklahoma Riots. The Greenwood neighborhood of 10,000 residents were totally destroyed. And at that time it was one of the most prominent concentrations of African American businesses in the United States during the early 20th century.

The Tulsa Race Riot of 1921 was one of the most devastating massacres in the history of US Race relations; 10,000 African Americans were left homeless and property damage amounted to $1.5 million in real estate and $750,000 in personal property ($30 million in 2017 dollars all together). Olivia was only six when she survived the riots.

Olivia did more than survive she thrived. She went on to earn her master’s and her PhD and became an Associate Professor at Fordham University. She was also a founding member of the American Psychological Association (APS) and she served as the early Director of the Kennedy Child Study Center in New York.

In 2015, the Staten Island Coast Guard Dining Facility was named in her honor and a Coast Guard Training Facility at the Coast Guard Headquarters in Washington D.C. was also named in her honor.

President Obama in his address to the United States Coast Guard Academy, Class of 2015 said that her story captures the persistence and patriotism of people willing to do the hard thing during difficult times. The mob destroyed her father’s clothing store, they looted her house and they even burned the little cloths for her doll, but she didn’t give into bitterness. She said, ” It’s not about you or me. It’s about what we can give to this world.” I call it leaving a lasting legacy!

I was home along in my last year of high school (dad was out of town for the weekend) when the 1967 Detroit Riots broke out in which 2,000 building were destroyed, 7,200 people were arrested,1,100 people were injured and 43 people were killed. I was not shot or arrested so I was able to enlist into  the Air Force to escape the assembly line. I transitioned into the Army by way of the R.O.T.C. program. As I publish my first book we will see what kind of legacy I will leave.


Not Voting is VOTING

Not voting when you can, is the same as voting to hand over your power to someone else. Remember the old tale about the ostrich burying their head in the sand. If you put your head in the sand, guess what gets exposed?

Indifference, apathy, and ignorance are bed fellows which allow others to take advantage of our system of government. This country was built on a set of principles that have stood the test of time. Part of the problem is too many think their vote doesn’t count when it does, or the system is rigged. If it didn’t matter, why is there so much voter suppression.


The other problem is civics education has been taken out of the schools. I remember taking civics classes when I was in school, but then again, I over 60. Justice Sonia Sotomayor and fellow Justice Neil Gorsuch in their CBS Sunday Morning interview with Mo Rocca said that only 25% of American citizens can name the three branches of government. What is funny, but sad is the fact that 10% of the population think that Judge Judy is one of their colleagues.

Justice Sandra Day O’Connor developed a video program ( to teach kids about the democratic process. She said that it’s not something that gets passed down through the gene pool, it must be taught and learned anew by each generation. There is a video game titled “Win the White House” and “Do I have a right” which covers protection under the United States Constitution.

There was a time when politicians worked across the aisle to get things done. Now it’s party politics over anything else, and as a result, nothing seems to get done. Normal people who have a job to do, and don’t do their job, are fired. Politicians go through a long legal process. Politicians are usually replaced by other politicians from the discretion of the voters during elections.

Some people are learning what is not healthy for the country. We should be constructive, not destructive. Faith, commitment and the principles of democracy are more important than a political stand.

The last political man to take a stand was Senator John McCain. He was the gladiator who defied the party and stood up against the man who wanted to be king.


Blogging leaves a Legacy

If you are a blogger keep blogging. You can overcome almost anything if you keep going. Reginald F. Lewis was the head of Beatrice International Foods, one of the largest food companies in the country. In 1987 TLC made world news with a $985 million buyout.


The Reggie Lewis continued with the American Legacy Television Special. What kind of statements will your family and friends say about you when you are gone. Reggie wrote a book titled Why should white guys have all the fun?  And he had fun building his empire and setting the stage for others Black Entrepreneurs.


Buying 64 companies in 31 countries is a huge undertaking no matter who you may be. Only a person with vision does something like that. His mother, Carolyn Fugett talked about some of the things he had to overcome to keep going.

His colleagues said he was very smart and highly focused. He knew what he wanted, and he had the talent to get to where he wanted to go. As an entrepreneur we may know where we want to go but, we need a vehicle that gives us reach and speed to get to where we need to go.

His mother talked about giving him some tough love. When Reggie was young he wanted to leave home, but she explained that if he didn’t want to follow the house rules we would end on the streets or in jail. She told him that he needed to find out who he really was: Mama baby or mama little man.  His mom left his dad because he didn’t have enough drive. He didn’t have the drive, so he settled. Reggie made up in his mind that that would not be him when he got married.

I wrote a blog about the life lesson we learn when we are kids. They determine what we will do later in life. Reggie’s mom took over his paper route when he went to summer camp for two weeks and delivered the papers herself. When he came home, he asked her about his money. She told him that he didn’t deserve the money because he didn’t make an agreement before he left so he didn’t deserve the money.

When he went to law school he made sure no one else took advantage of him.  Harvard Law School seemed like a perfect fit for him. A college professor said that Reggie seemed right at home.

Four years out of law school he had Ben Chavis, the Civil Rights Leader as his client. In 1992 Reggie gave $3 million dollars to the Harvard Law school. At the time it was the most that anyone who had given that much before. When you give that kind of money, most schools name something after you: They dedicated the Reginald F. Lewis International Law Center in his honor.

Along the way he met a strong intelligent woman who supported him for 24 years. He left a legacy that will be lasting. What kind of legacy will you leave.


Will this be the Year of Political Pink Power?

Will 2018 be the year that more women get elected into political office? According to CBS News more than 500 women are running for all kinds of political positions. Some media folks are calling it “The Pink Wave”.


Jahana Hayes is just one example. In 2016 she was selected as the “National Teacher of the Year”. Now she is a candidate for the House of Representatives in the 5th District of Connecticut. I don’t know if it’s a ‘sexist thing or a political thing’ but 92 % of Democrats think it’s important that women get elected into political offices while only 50% of Republicans feel the same way.

To me, Jahana Heyes is an American success story of persistence and determination. She went from teen mom to become a Social Studies Teacher and mentor for at-risk kids in a high poverty school district in Waterbury CONN. to “National Teacher of the Year”. The students would say she didn’t get it, and she told them she did.

Hayes grew up in public housing until her family got evicted when she was in the fifth grade. Her mother was an addict most of her life. When Hayes got pregnant at 16, she earned her high school diploma in a program for teen parents in the basement of Waterbury’s City Hall. When she made it to college she worked three jobs to take care of her family and while earning her degree.

When she returned home to teach, she realized that a lot of the students were living in the same conditions that she had, when she was younger. She told them her story and then she developed programs to help them to overcome some of the challenges she had faced when she was in their situation. For her efforts she was recognized as “Connecticut’s Teacher of the Year”.

As the “National Teacher of the Year”, she traveled around the country and the world leading workshops for other educators. When she went to Tunisia on a trip sponsored by the State Department as part of her duties, her daughter called and told her that her grandson wanted to know if her trip to African was to find a new home? Someone kid on the school bus told him that, “We have a new President and they are going to build a wall, so all the Brown people will have to leave”. That’s probably when she got the idea that she could do more than just teach.

I visited Tunisia when I was stationed at Wheelus Air Force Base in Libya during the base closure by Col. Muammar Gahafi. The Base Commander Col. Daniel “Chappie James” left a lasting impression on me because he went to become a trail blazer. I believe Jahana Heyes will go on to blaze some trails before she is through.