Financial Series #4 Consolidation and Forgiveness Clean Up Student Loans

Financial Series #4   Consolidation and Forgiveness Clean Up Student Loans

By, Afua Serwah Osei-Bonsu

 

Perhaps in your 40’s you become something that solidifies.  You clean up tattoos, you clean up credit.

One way to clean up credit and raise your score is to enter into many, many payment arrangements to get to the finish line of each debt one has incurred. Chop it up.  A good idea is to consolidate all your student loans, more than once if you take out more.  When you take out more loans several loans show up on your credit report, but when you consolidate, all the loans shrink down to one single loan and make your score go up.

The next thing to do is to see to the end of that student loan.  There is such a thing as “Public Service Loan Forgiveness” and after you make 120 consecutive payments while working in a non-profit, or a federal or government position or for the Police Dept. or Fire Dept.  or for Peace Corps or AmeriCorps-they will forgive the balance after approximately 10 years of payments.  It’s good to get on an Income Driven Plan that is doable and pursue a service option if looking for a job and having high debt in student loans 100,000+ think about those practical options.  You will breathe easier when you have all finish lines and your score will go up the more arrangements you have, for post-dated payments, the better your score.  Don’t let debts linger or fester see them to the finish.

 

 

 

 

 

Fit, Lean & Beautiful #31

Fit, Lean & Beautiful #31

By, Afua Serwah Osei-Bonsu

Some basic thoughts about what makes you rich and what makes you poor, led me to see that very often poor health can impoverish you and “health becomes prosperity.”

Salutaris Prosperitas

 Being impaired in anyway physically or psychologically can diminish one’s income.  Poor choices in childhood or as a young adult can lead to poor later health in aging. Be careful of promiscuity which led to a lot of epidemics and sickness.  Aging and ill health are likely two main factors that can lead to poverty.  Basic inability to work or care for oneself properly can lead easily into poverty.  Care in general of the body and positive health choices can be deeply wealth creating.  Making oneself as attractive or beautiful as possible and as healthy as possible, can build wealth.

It’s good to maintain the body with exercise, to scrub the feet of dead skin, to trim the nails clean, to push back cuticles, to manage stubbed toes, to trim the hair, to put drops in the eyes, to use Ammonium Lactate creams on the feet and hands to soften them, to keep the body disease free.  It’s important to keep weight down because weight on the neck impacts breathing, and impacts joints, knees and mobility.  What really makes you poor is often sickness, lack of education and aging which can all lead to lack of work in your own business or within a job.  What really makes you rich is often education, planning, health and work.

Aging itself can be painful and one may experience weird pains in knees etc. as you start to shrink in older age or while aging.

What really became paramount to this writer was how to achieve “happiness” or rather what is

“the work of happiness.”  It is believed that the work of happiness can be divided into three main areas that are:  “planning,” “sets,” and “money.”  Planning is then subdivided into about 60 plans believe it or not.  One can document their plans on paper, set them up and live them.

Laborare Felicitas: planum, scaena, nummus

The true work of happiness is how well you plan for example around the calendar your holidays, your dinner parties, your experience of seasonal foods, your travels, your major events and gatherings.  You can plan for cider mill visits or Chinese Take Out Food Parties with a few bottles of sake. You can plan to learn songs or Chinese Calligraphy, or read in certain languages at certain times before or after travels.  Other things one might plan are a balanced budget where you make certain that your expenses equal your income and needed savings plus leisure and holidays, retirement plans, assets, your children’s education, trusts, financial planning with savings and investments, emergency plan, serving goals, exercise goals, music plan, death plans, cleansing  the body and cleaning plans, skills plan, talent plan, collections plan, marketing plans, business plans, wealth building plans, daily/weekly/monthly and annual goals, debt plan, library planning, career variety, wisdom planning, growth planning, clothes and wardrobe plan, giving and contributions plan, house design planning, books plan, store plans, blog plan, joining clubs or orgs plan, technology plan, international affairs knowledge plan, beauty plan, estate planning, child planning, nature planning, degree planning, long term vision, bio planning, applications planning, awards planning, house financial plan, advanced studies and knowledge plans, time itself, sports plan, spirituality plan, vehicles and recreational vehicles plan, instruments plan, holiday décor plan, private instruction plan, your services plan, international locales, restaurants plan and on and on.

Your sets are how you set up your life, your home, vacation home and business, the actual “physical stage of your life.”  This would include how well you planned for education within your dwellings, fitness, your comfort, your culinary, your holidays, your furnishings and wall coverings, your art that inspires your life, your entire home design is included in your “set.”  All of these things will determine on a level how you live your life.  Did you plan for a pool or a BBQ Pit?  Did you think generationally? Do you have a place where you will educate your children? Did you plan a library? How fit can you be within your dwelling? Have you loved on your home or valued your home?  Do you get enough privacy?  Is your home a loving, welcoming and social home?  How many can you sleep in your home? Do you have good Feng Shui? Have you planned all four seasons?  Have you physically set the stage for grand and memorable holidays?  Do you have storage for boats or RV’s?  Have you built sandboxes and experiences for your children? Have you planned for gardens, house plants and landscaping?

Money will come to play when you plan your budget and incoming monies and attempt to balance them.  You should make a career plan and generally the more education the better.  It’s good to forecast in your plan that I will do this for 7 years then at age 54 for example I will enlist here and go there and get another degree and perhaps go overseas and retire in the Foreign Service.  It’s good to use lots of calendars and timeline trajectories, excel spreadsheets and writings to do the necessary work of happiness.

Stay tuned for upcoming book, “Happy Life,” by Afua Serwah Osei-Bonsu

 

Financial Series #3: Becoming a Financial Guru

Financial Series #3

Becoming a Financial Guru

By Afua Serwah Osei-Bonsu

There are many basic ideas one may eventually come to realize that make up financial literacy.  There is a basic scaffolding that is true for all beings that could have been initiated in high schools which seems to include things like taxes, career, businesses, assets, housing investments, retirement and perhaps the investments in one’s family or future generations as well as ones insured life.

It dawned on this writer that mastering one’s taxes may be a good part of financial literacy and creating ones financial profile or tax transcripts.  Things like publication 17 are available from the government printing office (bookstore.gpo.gov) give a good overview of personal income taxes and help one to achieve greater mastery in one’s financial profile.  It is as if there are key themes in taxes like housing, retirement, health, education, investments and stocks, dependents, and a variety of other credit bearing areas.  Things like the Homestead Property Tax Credit in Michigan lead many Michigander’s to have a return.   There are other details to look for like depreciation, or charitable contributions or key changes in one’s personal life and how that may impact how they file.  Even death may have several forms or adoption a credit or something like the Premium Tax  Credit for carrying certain health insurance.  Governors and Presidents have stashed a variety of credits and grants around at the IRS and grants at places like Michigan Works just in case people are wondering what and where those things are. Still lingering around are grants from the Obama era.  It is in ones best interest if for example they purchased a car or went to school to investigate which forms or areas correspond to those things.  There are credits for going to school like with forms 8863 and 8917.

A leader or government can utilize taxes to shape the economy, increase in one area and decrease it in another.  Another key idea in taxes may be how well you make itemized deductions with a variety of things such as health and dental etc., the general idea is to reduce your tax and increase your credits and end up with something as well as create in life your financial profile with the US Government that is your tax transcript.  It’s possible to also pre-select to increase your tax by adjusting your withholding allowance with the IRS to ensure a better financial outcome at year end.

A variety of things surprisingly can be written off like use of your home for business purposes or even fuel expenses may carry a credit.  There are three basic forms for personal income taxes that include the long form 1040 and the short form 1040 A and 1040 EZ.  What this writer recommends and what some venues are doing already which is making yourself a “worksheet” and documenting your annual key themes, your housing status, even renting can receive Homestead Property Tax, figuring out what your large expenses were and gathering receipts for those things especially out of pocket health care or dental expenses can be noted in a 1040 Schedule A.  One needs to start the year before,  gathering and figuring out what they will claim in the coming year and create perhaps an expanding file to place their specific receipts-not random receipts but key themes with key applications.

Mastering credit and loans can also be an achievement that increases long term wealth.  What this writer finds effective is to disassemble debt scaffolding and assemble wealth scaffolding.  How this can be achieved is by simply noting all ones debt and to reduce it, the key is to see it’s “end,” then cut it up into 2, 4 or 6 pieces to reach that end.  Interest is often so high people who pay minimum debts never get out debt.  Divide it by 4 into manageable pieces and “see the end”-it will dissolve by this date and it will disappear every time.  What is really good is to do the reciprocal and open a series of savings accounts as your bank will allow and start to stash for a large purchase or have a house fund, an emergency fund and a main savings then nickname them online which can be cute and rewarding.  Disassemble one and assemble the other and like magic one’s debt disappears and ones wealth appears!

What is good when building your emergency fund is to include enough to cover auto insurance deductibles and think through an accident and a need for a new car or time off work what would be your recourse and build up your emergency fund with those things in mind.

Other things one can do to achieve more respect that may improve one’s financial picture is to use ones last name.  Dress for example womanly and perhaps don’t choose the younger trendier look but a more refined mature profile.  It’s also good to give reverence to receive reverence or respect.  It’s good to work on one’s penmanship and hire an expert.  Lots of little touches can impact one’s bottom line and ultimate quality of life.

When one is building for example their career it is good to navigate how one will afford the most degrees they possibly can get.  There are many angles for getting degrees like military fellowships or working at Starbucks even offers tuition or many jobs offer tuition reimbursement.  The more education, the more money you can command so it is in ones best interest to investigate every way of getting degrees.  Even graduation parties or coming of age parties can contribute or get one a degree.

Planning your retirement can ensure your “good life.”  Many lives can be led in phase one and phase two when one is accessing retirement accounts and perhaps has saved a million dollar stash to retire with.  Very often people are looking for opportunities like stores or franchises or restaurants to retire into and make their stash “revolve.”  It’s good to have a long term plan for those things as well.  There are also places that still offer pensions which can also be nice, its good to look in places like government, auto industry and skilled trades for pensions.

If perhaps one publishes books or has self-employment things like Sep Ira from Merrill Lynch Edge can be good to save in retirement accounts or start one for your small business staff.  The more retirement accounts one has the better they accrue something like 12% and are government backed and are one of the best saving options out there, they are wonderful.  Outfits like “Bankers Life,” offer many financial products like 529 accounts, insurance, mutual funds, life insurance, and 401 K’s.

The other good thing this writer will say is she heard a proverb about how you plan so you don’t have to wait.

This writer also recommends talking to your bank.  Very often there are tiers in savings that reap certain interest rewards.  If you bring in $5,000 then perhaps the APR is a .5 %, if you bring in $25,000 then the APR may be 1.5%.  Graduate into those levels of savings for greater rewards in interest.  Find out what your bank offers.

In  your career “everything pays,” is the general rule whether it be laundry or mail or drinks or hot drinks or cars or health or hamburgers or education or security or engineering or the justice system-they all have their trajectories that all pay the more obscure the better.  One can get creative with many different areas and still have a very high income.

Another good thing to have is enough insurance to be okay or at least break even  and start over with things like “gap insurance” for financed vehicles.  Or a good renter’s policy because rentals get abused and uncared for and one can get into devastating situations with older uncared for homes with foundation problems and sewage backups-so renters policies are about $35 from State Farm and worth it.

 

 

 

 

 

 

 

 

Ms. Vielchenblau’s After Life

Ms. Vielchenblau’s After Life

At 837 North River Street, across from the Highland Cemetery in Ypsilanti,
Michigan, Ms. Vielchenblau began to plan her life, after death, while living
her life with death, or rather with the dead.  A close friend from China,
had said to her, “you lived your life strongly, you will live after death, strongly
as well.” The comment created in Ms. Vielchenblau a longing for a beautiful
afterlife.  She thought deeply about how she would die, planned her life,
and her dead life or her life after death. She wondered if she would die in the
foreign service oversea’s or from an illness? She wondered how she was likely
to die?

She aimed to coordinate her life with her death and her porch overlooking
the cemetery kept her dreaming.  Shortly after she purchased her house at
837 N. River Street, across from the Highland Cemetery she bought a plot in the
cemetery and so did her father and sister.  There is a turn off from River
Street, where her complex lays.

The house she designed was full of life. The house was a complex set, at an
inexpensive price, due to its location, across from the Highland
Cemetery.  The stairs going up leading to the three bedrooms, were extra
high, as if to heaven.

The complex, was laid out in several studios that would come to embody
areas, where she would have mastership eventually.  A music rehearsal
studio, was in the front room, with an upright piano, an old bi-level organ, an
upright bass, a violin, a guitar, a trumpet, drums, bandeer and of course she
studied voice.  There were lots and lots of sheet music, for the variety
of instruments, as well as her own compositions and songbooks.

Along the left wall, behind the rehearsal studio, were shelves lined with
books. The first shelf was organized into several library sections, followed by
a collection of cookbooks, in the hundreds, followed by shelves with numerous
fine and eclectic dish collections, including Italian printed plates, French
plates and wooden dishes, fine teacups with saucers, like her Prince Charles
and Lady Diana set from Harrods in London.  Across from the shelves she
built a small room, by adding three walls to the far wall and lined the walls
with a fragrant cedar to make a screening room.

The room she built, compartmentalized the rest of the adjoining space, into
areas and nooks.  The dining area was behind it, with a long ovular table
that had tall candlesticks and a blown glass sculptural object on top and the
walls were full of gold-framed paintings, her own.  She had the vision to
value the house and create what would become a historic house, with a placard
on the front, as did many Victorian homes in Ypsilanti.

On the side of the table, were two buffet tables for serving dinner parties
and drinks.  The paintings along with fine art illustrations represented
some of her finest works and were numerous.  The paintings had a variety
of themes including drawings of her daughter, historical references to her
house and photographs of staged and vintage scenes.  Across from the
dining table is the kitchen, where many culinary fantasies were manifested from
her cookbooks and culinary research.  She keeps one shelf of binders that
are filled with recipes, broken down into areas that include diverse cultures
and holidays, plus the largest binder that is her treasure, “The Vielchenblau
Family Recipes.”

Behind the dining area and kitchen is a small nook that she made into an
exercise and spa area.  The exercise and spa area has a recumbent bicycle
and a variety of hand-held weights, plus mats and a TV for exercising with
Falun Gong videos or Gaia exercise channels, that sometimes include dance
lessons or belly dancing.  There is a long massage table, that she
performed exercises on, as was done, while having physical therapy, after a
knee injury using velcro weights and straps.  There are also some stacked
blocks for stepping and stretching exercises and a half foam roll to stretch
particular regions of the leg and knee.  At nearly 46 years, she had begun
briefly to walk with a cane, after a knee injury while working in a culinary
role.

Directly perpendicular to the kitchen, a little on the side, is a door
leading to the back of the house, where there is her outdoor sanctuary. Nuzzled
between, the 4 bay garages that house cars and dry and wet art studios
including sculpture studios,  with the main house in the complex. 
The sanctuary area has trellises on both sides with shrubs and greenery to
create atmosphere and privacy from the road.  There is seating around an
outdoor fireplace, a stone rectangular table, with stone benches.  There
are two grills, potted plants, sculptures and a shrine.  The area is both
sociable and spiritual.

Behind the four-bay garages with art studios above and below is the carriage
house in the complex.  The carriage house is used as an office and for
writing.  The carriage house is a few feet away from the last bay of the
garage and in front of a beautiful cream and red-tiled fenced-in outdoor area,
where there are a pool and clubhouse.  What looks strange about the
exterior of the house is the common complex color of cream, which unites the
whole property except for the main house, which has an older antique colored
wood siding, a shade browner than watermelon.

The main house blended with the Highland Cemetery and was left nearly “as
is,” to leave it in keeping with both the Highland Neighborhood and The
Highland Cemetery.  Her favorite place in the house was the front porch
that had both walls and ceiling, the front door and a view of the Highland
Cemetery.  On either side of the steps, leading to the front porch, were
small stone gargoyles, the type one might find in an old Spanish city, such as
Valencia.  On the porch, Ms. Vielchenblau read poetry, drank tea’s, such
as Macha Green Tea with lemon, that she learned how to prepare from the last
restaurant she worked at, where she hurt her knee.  She sometimes read
poetry with her daughter and they came out with a stack of print outs and
exchanged each other’s poems or read their own.  She read with writer
friends on the porch and by herself.  The view of the cemetery weighted
the emotion of the porch and dramatized all that she read.  The porch had
4 outdoor chairs, with outdoor cushions, with little rod iron side tables next
to each.  The tables she bought large enough, to fit a tray with drinks
and a stack of writing.  There was barely grass around the house, except
for a small patch in the front that she barely had to mow to keep the house
up.  The lack of grass, was even a selling point, as Ms. Vielchenblau had
planned for frequent travel in the foreign service and as a Diplomat and didn’t
wish to be encumbered by a high maintenance lawn while travelling.

Ms. Vielchenblau staged literary weddings to a poetry character Little
Jinn.  The wedding napkins were embossed in 14 karat gold: “a Chinese
lamb, a blue rose.”  The guests stashed the napkins in purses and pockets
for later valuation.

From every area in the River Street house, Ms. Vielchenblau felt a
manufacturer.  She wished to value both the house with history and design,
plus all of her work within it.  She wished for after her death, the house
to remain intact, in the hands of her daughter and left as her daughter’s
inheritance and a museum.  The quality of the museum would be that of a
local social outcast, eccentric, born with royal ties, died while in Diplomatic
service and as a fine artist, composer, poet and even chef.  She leaves
behind many publications.  All of her artwork was made into catalogues and
left in print.  Her music was also published.  Strangely the entire
house was published and the quality was high.  The house was intended to
be a museum, book store, spiritual refuge and place frequented by those
visiting the dead.  All those who visited Highland Cemetery would make a
stop in the future, to her house in her afterlife.

She couldn’t decide whether to establish the house and move and build it as
a business from the afterlife-an afterlife business plan emerged- for her and
her daughter.  Her dead life took over her living life.  Death
becomes her life.

By Afua Serwah Osei-Bonsu

 

 

 

What the Top 202 Ways to Accumulate Monies for School are in 2017

The top 201 ways I know of to accumulate monies for school are:

By Afua Serwah Osei-Bonsu

1) FAFSA, www. fafsa.ed.gov, Stafford Student Loans, Pell Grant, Perkins Loan, SEOG Grant, Teach Grant, the federal grants and loans for undergraduate and graduate school

2) AmeriCorps Vista 1 year, $5770 grant for school

3) CO OP-work part time in the field to defray costs

4) Departmental and college grants

5) Scholarships Financial Aid Office, full ride, grants, transfer, community college transfer grants, recurring scholarships

6) Student org scholarships $1900

7) Foreign Service Fellowships, ask Diplomat in Residence for suggestions ~$37,500 or consular sponsorships for art exhibitions etc

8) MSHDA First Time Home Owners, MSU Extension Meeting, register for an “IDA Savings Account” with matching funds for school or house up to $5000

9) Blog Stores, Shopify, Product Sales

10) Book Publication

11) Graduate Teach or Grad Assistant

12) Chavez Teaching Scholarships

13) Save in 529 Accounts, stash for a PHD

14) Learn direct from manufacturers such as Point Carre or Pantogram Embroidery

15) www.afford.com, payment plans, tuition management systems

16) Multilateral savings plans life insurance, several savings accounts, 529, 401 K, rollover IRA, Disability Accounts

17) www.finaid.org

18) www.fastweb.com

19) Military Benefits-www.afrotc.com/scholarships (Air Force & ROTC)

20) www.collegescholarhships.com

21) Gibill.va.gov

22) www.michigan.gov/mistudentaid, grants and scholarship search

23) www.michigan.gov/setwithmet   Michigan Education Trust

24) www.misaves.com   Michigan Education Savings Program (MESP)

25) Rhodes Scholar

26) Radcliff Fellow, Harvard

27) Endowment formulas

28) Skilled Trade Grants

29) Tuition Reimbursement

30) Consolidation of student loans helps some times

31) Blogging

32) Organized parties, graduation parties, coming of age celebrations with nice invitations

33) Family Trusts

34) Foundation Center, “Requests for Proposals” (RFP) for students

35) Work and go method

36) Work at home or “cockpit” work, outsourcing

37) Paid Internships

38) Company Scholarships

39) Zines, chap books, cook books

40) Apprenticeships

41)  Acquire expertise or professional skills to train, teach, lecture, tutor, or work

42) Sponsorship

43) Governmental Scholarships

44) Local Congressional Representatives Scholarships for region or state or federal

45) SBA Loan or Seed Grant

46) Schools that give Apple laptops to students (Full Sail)

47) Leap Frog Skills

48) Meet Up’s

49) Refined art skills like portraiture, painting, photography

50) School Foundations

51) Stratford Career Institute for basic career skills

52) Boot Camps and full immersion

53) Create value with information

54) Manufacturing

55) Working in general and savings plans, dedicated savings accounts

56) Direct Withdraw

57) Cleaning

58) Think Tanks

59) Publication of thesis or dissertation

60) Community Television or TV Shows or Talk Shows

61) Student newspapers or Magazine Submissions

62) Certified Non Profit Professional or CNP

63) Clubs, organizations and memberships that carry opportunities

64) Awards

65) Grants

66) Basic Human Account or Birthright Package

67) Life Insurance

68) Any job and afford.com, or your schools payment plan

69) Prints or dissemination in general

70) Acting, modeling, private artist model,  or class artist model eg. portraits or sculpture

71) Grandparents and parents, older siblings will often help

72) Kitsch parties, Tupperware, Christmas Pageant Sales, admissions

73) Research Grants

74) Advertising

75) Product or Service

76) Rentals

77) For Hire

78) Private Lessons

79) Night Sewing

80) DJing

81) Selling companies, writing a business plan or sale of an idea or concept

82) Work nights

83) Train to be personal trainer

84) Fulfillment

85) Start an organization

86) Be a Chef or Personal Chef

87) Bud Tender or Dispensary

88) Work in the Government or for State Department

89) Taxi Driver

90) Research Surveys

91) Wait Tables

92) Learn volume practices, steam cabinets for volume food service

93) Concerts, recitals, readings, lectures, tours

94) Self Publish

95) MIT Open Source

96) Ecommerce

97) Mortgage or Renovations Monies

98) Promotional Items

99) Events

100) Prosperous Zero

101) Make finery

102) Imports/Exports

103) Shops, restaurants, franchises, drive thru’s

104) Serve the community

105) Pharmaceuticals

106) Supply Chain

107) Plumbing

108) Electrician

109) Work Study

110) Childcare, nanny, Governess

111) Landscaping

112) Mowing, when grass grows you make money

113) Use Home Depot Plans to construct play houses or projects

114) Put up Christmas lights

115) Murals

116) Holiday products or services, entertainment, events, gatherings

117) University Research Studies

118) Volunteer Work

119) Work in a car dealership

120) Audio Visual

121) Tech Support

122) Repairs

123) Trainer of new tech, cell phones, social media etc.

124) Flyers, pamphlets, college bulletins

125) Rehearsal studios and private lessons

126) Art works

127) Article submission, syndication, or reprints

128) Crowd Funding

129) Social Media Promotions

130) Go into parents fields for contacts

131) Database, online rolodex, enters email, list serve

132) Administrative Assistant

133) Staffing agencies (UM Temporary, Manpower, Resource MFG)

134) Build a repository of knowledge

135) Go to the library

136) Build a home library

137) Refinance

138) Poetry

139) College Career Sites

140) Film

141) Library of Congress, building collections or documentation

143) a US Artist

144) Pedagogy

145) Exhibitions

146) Business Plan

147) Travel Writer

148) Critic

149) Tour Guide

150) Work at the hospital or in the pharmacy

151) Graduate Assistant

152) Kabbage.com  business expansion loans

153) SBA Business Loans

154) Fulfillments

155) Out of mortgage or Renovations Loans

156)  Grants to school for STEM

157)  Publications, columnist, freelance article and journal submissions

158) Inheritance

159) Trickle Down where older sibling pays for next in line

160) Franchise & Group of colleagues running a franchise, Teen Franchises

161) Go to President,/Government with A’s and Intentions or plans for contribution

162) Parents 529 Investment, Parental Retirement Accounts or savings

163) Work in parent’s business

164) bank loan

165) Sell postcards, key chains, promotional items

166) Self Publish

167) Valuable information

168) Investments, live off interest

169) Certifications (life guard, boating, swim instructor, personal trainer, plumbing etc)

170) Scholarship Databases finaid, fastweb, schools

171) Do things other people don’t want to do

173) Technology, programming, social media, apps, links, software engineering, IT

174) Training others

175) Lots of hours and manufacturing

176) Temp to hire

177) Executive Assistant

178) Two or three jobs

179) Jobsites, like Michigan Talent, Indeed, school sites, Craigslist

180) 403B, 401K, 529, savings accounts, learn to save, portfolio of savings accounts

181) Never taking out credit card accounts helps to have wealth above zero

182) Art Fair Circuits

183) Magazines

184) Prints

185) Diversity of Skill

186) Loops, Links, Webinars, Online Ads, Ecommerce Degrees

187) Bands, music, sheet music, composition

188) Theater, ticket sales, shows, performance in general

189) Graphic Design/Print Media

190) Assembly

191) Teaching in Online Schools

192) Teaching Community College

193) Quick Skill and resume building that helps to generate more income sometimes via volunteer & internship, classes, orgs

194) Become a Founder or CEO

195) Resume Writing

196) Business Plan

197) Gallery Representation or Art Dealer

198) Residencies

199) Big Box or Fortune 200 or Fortune 500 benefits and matching funds, tuition reimbursements

200) Product sales

201) RFP, Request for Proposals, eg. foundation center.org

202) Tax credits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Invisible President #1: This Weeks State of The State Address From Governor Snyder

Invisible President:  This Weeks State of the State Address from Governor Snyder

By, Afua Serwah Osei-Bonsu

In this week’s televised address “State of The State” by Governor Rick Snyder, the Governor highlighted that Michigan’s citizens were “coming home” for new opportunities and peaceful natural living after leaving for jobs and schools in other states. Michigan leads in the nation in terms of a sought after place to live. Michigan residents are coming home with fresh ideas and international experience, speaking multiple languages and with a taste for fine culinary and finery in general.  Local publications like “Hour Detroit,” offer a glossy version of the local restaurant and culinary “treasure trove” in Michigan.

Michigan continues to be a down to earth place to live-good, simple, living-medium sized cities not so small that you easily become “the talk of the town.” Michigan is “The humble state.”

The Detroit area out skirts have good schools for culinary including Schoolcraft College’s culinary program for those en route to becoming a master chef.  Michigan is a good place for independent international grocery and to open a restaurant.

Michigan shined as a new hub for manufacturing where even a coupon printing factory may generate millions of dollars. Manufacturing is attracting internationals to Michigan from countries like Albania, China and the Middle East.  University of Michigan has been compared to Harvard and was recently ranked in a number one position.

Michigan for multiple reasons such as manufacturing, good schools and The Great Lakes  warmly welcomes a large Asian population primarily Chinese to the state.   There are many loved  Indian, Korean and Vietnamese Restaurants and groceries.   Africans have flocked to eastern hubs and all over. International groceries have sprung up in every strip including Kasoa Market, an African grocery that sells things like mackerel in chili sauce, fufu, gari, plantain and guava juice. There is also Hua Xing Grocery, a large Chinese market with a whole aisle of noodles, tea break snacks, sake, teas, dumplings, Chinese vegetables and fresh fish.

It’s possible to enjoy  authentic and fresh Mexican cheeses and creams from “Dos Hermanos” Grocery on Michigan Avenue in Ypsilanti. In Michigan we are not talking about “borders” we are welcoming our international family.  Various citizens of Michigan are hoping to make this State “inhospitable to racism” and the contrary to promote a harmonious and loving melting pot.

Marijuana is  legal with an ID card in Michigan and has attracted many new businesses and eliminated a lot of crime. There are lots of places for outdoor camping and marinas.  The primary fruit crop that does well in Michigan is apples.  There are still lots of farms and rural areas and country living in general.

New business has been attracted to Michigan with the opening of breweries, Amazon in Livonia, The Google internet browser and search engine, the automotive industry and many others assuming and unassuming such as myriad cider mills, the non-profit sector or creative industry. Michigan enjoys a nice healthy mix that is part industrial and part natural, which can be an ideal.

Governor Snyder honored the military and spoke of “sharp shooters” and honored promising youth activism including from East Lansing High School who gave him “elevator pitches” in a recent meeting.

During his term Governor Snyder created several “commissions” to look at “best practices” internationally that may benefit Michigan’s infrastructure.  Very low unemployment and problems such as the Flint water crisis were well managed and cities like Flint are enjoying “resilience” as was written by the Community Foundation of Greater Flint.

The Governor said “up to third grade one is learning to read” then after third grade (they are utilizing reading) and “reading to learn.” Snyder is looking at issues involved with children’s education.

The Governor is working on a long term goal around community building hoping that like a contagion successful communities will support and model for each other.

A few days after the “State of the State” some Michigan women headed to Washington D.C. for a Woman’s March on Washington including owner of “All Sewn Up Sewing School,” Anne Reinstein. Even feminist and woman’s issues are being discussed in many homes and businesses. Feminist theory classes have heated up at Eastern Michigan University in the philosophy department where Ombudsman’s were contacted and grade grievances were filed.

Detroit continues to flex where new charismatic leaders such as L. Brooks Patterson are spotlighting Oakland County’s achievements in magazines.  Some think bankruptcy may have been a “smoke screen” planted to shield Detroit from rising internationalism and growing population counts in hip neighborhoods like Hamtramck.

Michigan’s educational institutions are leading in terms of preparing technological leaders at schools like University of Michigan Dearborn with good medical schools and schools of engineering or Lawrence Tech that has good architectural engineering programs and promotes fields like “computational biology” or Data Mining entered through its mathematics and computer science program door.   Michigan’s manufacturing has always attracted good engineering programs at Michigan State University, University of Michigan and Lawrence Tech, and still others at Michigan Technological University in the upper peninsula-in a natural reserved area-where the Governor is based.

 

 

 

 

Book Review of “Complex Knowledge: Studies in Organizational Epistemology”

By, Afua Serwah Osei-Bonsu

A review of “Complex Knowledge: Studies in Organizational Epistemology” by Haridimos Tsoukas provided a gripping portrayal of the issues involved in what is desired as a “field” rather than that which is-knowledge only based- of organizational studies and management research.

Tsoukas immediately grabs the hand of the reader and engages them with a riveting tale about fluxus theory which describes how the world flows, “fluxes”, “changes and how it’s sensitive to things such as context, time, beliefs, desires, power and loops.” He explains how the world is in fact an “open world” and not a closed world and goes on to develop the dialog into a parallel with the chaos and the cosmos. He goes deeper to make comparisons to “ecological theories” eg. fluxus in nature and still further to perhaps “Austrian Economics” or the diversity of mankind in terms of ethnography.  The research unravels and one is left connecting dots and looking at the evidence.

Tsoukas intended to make three key points in his book about complex knowledge, 1) regarding tacit knowledge, claims and adoption of ideas, 2) chaosmos, the mixture of chaos with cosmos parallel, and 3) in regards to the connected meta knowledge.

Tsoukas was concerned with “agency” in an organization, and “how organizational knowledge is embraced and informs practice.” Tsoukas advice to his reader was based on Weick’s quote was to “complicate yourself.”

Tsoukas goes on to break down research about the information marketplace quoting the MIT Media Lab and linking information with communication eg. computer and telephone as a new network system and subsequent knowledge system. The research transforms into a chilling thriller when Tsoukas begins to talk about how things turn into information and how things are experienced without being in close proximity. What stirs the reader later was the statement of “information at your fingertips.” The reader experiences both fear of and excitement for potential knowledge.

A few problems highlighted in the book describe all information turning into objects that are contained, stored and retrieved, the caricaturization of mankind in information systems and “observed purpose in information.”  Observed purpose in information related to an example where a condom manufacturer desired numeric data on the number of people having sexual intercourse.  For example, one could look at the population count and further to those in relationships or married to establish a statistic of likelihood or perhaps buried within the information marketplace information that is retrieved for purposes beyond “observed purposes.”

The cognitive wheels turning, in terms of organizational epistemology, how do all the dots connect?  One problem may exist where Tsoukas has justified evidence regarding “potential and absent.”  The evidence suggests the “finite” representation is never complete and that there is more in “reserve.”  “That to be aware of potential is to become.”  The crux had to do with the need for potential and how things could be different and how information was confined to what has been-“as are, not as might be.” The build-up of the book describes entrapment in the status quo by scholars who may fail to recognize potential.

Tsoukas research rejected rationalist epistemological approaches in favor of “post rationalism.” One goal of the book is to look at the nature of knowledge within an organizational context inclusive of “vocabulary, practice, enactment, mutual constitution, improvisation, and how an organization justifies what they know.”

One problem that organizations face is “overcoming dominant forms of knowing.” Tsoukas desires to replace dominant forms with complex forms of knowing thus the parallel to chaosmos and fluxus and ultimately a “theory of complexity.”  It becomes the sensitization of an organization to context, time, change, events, beliefs, desires etc.  Tsoukas presented an Empiricist model rejecting earlier Rationalist models which he wished to graduate from “within the world and within tradition” to discover “flow, flux, change.”

Early philosophers such as Heraclitus were also highlighted in the book. Heraclitus is a Greek Philosopher whose research had to do with change being fundamental to the Universe. Heraclitus has the famous quote that “no man ever steps in the same river twice.”  Part of Heraclitus “claim to fame” was that he “taught himself by questioning himself.[1]

“Diogenes relates that as a boy Heraclitus had said he “knew nothing” but later claimed to “know everything.”[14] His statement that he “heard no one” but “questioned himself,” can be placed alongside his statement that “the things that can be seen, heard and learned are what I prize the most.”[15][2]

               Heraclitus is perhaps the father of philosophy. Empiricism was concerned with a posteriori and more investigative models that were gained by experience. [3] Rationalist was concerned with a priori as if that which is from God or innate methods. Tsoukas overtly rejected innate concepts from Rationalism which his alignment with Heraclitus suggests.

A beautiful point the book makes has to do with the description of poetic praxeology.  The 7 points in poetic praxeology listed were: 1) motives in human action, 2) influence of past, 3) transmutation into new forms in present 4) opaque intentionality, 5) chance allowed events, 6) feedback loops, 7) context inescapable.  Tsoukas described “all humans as in fluxus.”

The book generally relies on social scientific and philosophical research to support its claims.  What becomes paramount in the book is a subtle goal about “how creative action arises.”

Useful philosophers listed in the book as relevant to Tsoukas research are: Bergson, Dewey, Gadaner, Heidegger, James, Lakeoff, Tyre, Polanzi, Toulmin, Taylor, Whitehead, Wittgenstein.

The book not an “art book” or “poetry book” but references popular or obscure concepts relevant to both.  Fluxus in Tsoukas book of “Complex Knowledge” whirls and dazzles and could buttress conceptual work related to fluxus in high art.   The book presents research which could become the frame work or seed of emergent fields of study which were formally housed in epistemology courses or in dialogs about knowledge.  “Complex Knowledge” presents well-crafted research, stylishly modeled after Konl Weick’s style of research. “Complex Knowledge” published on Oxford Press is very fine reading with lovely chaotic imagery, language, and relevant content.

[1] https://en.wikipedia.org/wiki/Heraclitus

[2] https://en.wikipedia.org/wiki/Heraclitus

[3] Markie, P. (2015). Rationalism vs. Empiricism in The Stanford Encyclopedia of Philosophy in the Stanford Encyclopedia of Philosophy, (Summer 2015 Edition), Edward N. Zalta (ed.).

 

 

 

Financial Series #2: On the Path to Prosperity

Financial Series 2- On the Path to Prosperity

By Afua Serwah Osei-Bonsu

Improving ones credit score can be done with thorough diligence.  It’s important to make sure closed accounts actually get formally closed to make sure things get updated properly.  There is a big difference between an open account and a closed account-the closed account does not go up, it goes down only.  Closed accounts start to look old and come off of credit reports. Open accounts sometimes linger to long on your report.

Absolutely close all accounts giving negative reportage in your credit reports.  Some credit accounts, in fact most, create negative credit scores frequently.  Were one to investigate perhaps the majority if not all of their clients arrive to a negative credit status.  Credit is fundamentally negative.  One person is living below zero while another profiteer lives

above zero off them.  Even certain cultures and religions promoted credit card companies in their scriptures and beware of this type of ensnarement.  If you want good credit, carefully chose what it can be.  I would avoid all credit card scams and instead whenever possible chart paths for building up wealth and borrow only things such as mortgages or student loans and avoid credit cards all together.  If you avoid credit cards you will likely build your financial life above zero and never give a creditor the opportunity to damage you in the public eye. Good credit is probably no credit cards.

Its also possible to critically analyze employment and staffing agencies in your region to have back up plans for work after assuming a mortgage or a student loan.  There are also new high yield disability savings accounts offered by the  government that help to offset the blow of a sickness or health crises.

If you have a debt of for example $800 on a credit card, tell the creditor you would like to have $200 payments on such and such a day for 4 months.  Close the account before you even pay it off and force it down.  The key is think small of the debt and spread it out in large enough payments that it goes away. Satisfying debts is a mentality.

Another rule for credit reports is when you check it, they check it.  Don’t abandon your credit report or forget about it, check it frequently and challenge things that should be removed.  Work to clear all negative items.  Things like late payments are starting in more recent reports to carry more penalties.  It’s recommended to always go over your report with a lawyer as credit reporting has been plagued by racism and frequent inaccuracy.  Take time in the New Year to hire a firm like Lexington Law to go over every detail of all three of your credit reports every year.

One key thing to remember when attempting to rid of debt is to add up all your key numbers in terms of interest and late payment fees and to never pay the minimum payment that often does not exceed these fees and forms the “con.”  It’s possible to pay and endlessly pay on a credit loan, if you pay the minimum and to never address the principal. Make certain to divide the debt up or break  it into manageable pieces and pay it off, not constantly-but to pay the principal off.

Now a’ days we are living more and more in microcosms and what you choose, decisions you make follow you when online. These microcosms follow you and become your profile and even dictate which catalogs are sent to your home etc.-you tap into tribes and networks.  The everyday choices you make matter.  Even the tapping into tribes and networks impacts ones prosperity.

A letter from a lawyer can inspire a creditor to be accurate in their reportage and to remove old things with urgency.

Beware of who reports negatively about you to the credit agencies as those are accounts to close immediately.  These are relationships that may choose to quickly damage your credit rating and should be avoided in the future.  Never reinstate an entity that has reported severely in your credit report.

Once all the negative accounts are dealt with a plan for wealth building can be started.  What’s really great are the 529 Education accounts for each of your children, life insurance, family trusts, 401K’s, outside IRA to roll into, pensions, military service and benefits, Dividend Stocks, and all kinds of diverse savings accounts.

The ways up in life are diverse.  One easy way to save up a million is in a 401K.  Just sign up for a 401K in every job and keep building them up with matching funds as high as you can get it.  You can let multiple 401K’s roll into an IRA with financial firms such as Hantz. You can use your 401K to race with your mortgage and pay off your mortgage or student loan with it later on.  It’s possible to save up to $250,000 in an education fund.

Renovating real-estate or property valuation can be a great way to increase ones net worth via a simple appraisal.  Try adding high lux features like heated floors, or heated drive way or a pool, or tennis court or fire pit from an architect’s a la carte list.

Focusing on value, service and care often brings wealth by aligning with human necessities.

The more you serve your population and meet their needs, the greater the long term profit.  One can become a pioneer or community builder or agent of change.  Think about making diplomatic invitations and sometimes even inhospitable to racism or prejudice which can increase prosperity and value in a community.

It may be wise to even ensure prosperity moves into future generations and stock up on life insurance and 529 trusts for children.

When my mother died she left me a cook book.  At the first sign of children, plan for their trusts and education, even when they are just a thought.

Everyone also needs to retain a general practice attorney and schedule time for careful estate planning.

The first big investment to make and perhaps the most profitable is ones training, skills and education.

How to pay for all those degrees can be challenging.  There are fellowships and military benefits, by filling out the FAFSA  at www.fafsa.ed.gov, one can usually see if they are due any financial aid to get a degree.  Sometimes it’s necessary to plan to use matching funds in a savings program like the IDA which is accessed through MSHDA homebuyer classes in Michigan, or an employment sponsorship or co op, Pell Grant, Stafford Loan, departmental scholarships, and pay cash in installments from your wages.  Websites like www.afford.com may help a student to pay in installments with tuition management systems. What you major in dictates often how much you can take out in loans and receive in scholarships.  One school may offer $300 in loans another may offer $15,000.  It depends on the prospects or assumed potential of your chosen degree.

The challenge is really how to get several degrees because knowledge doesn’t come on a platter and very often people need alot of education.  Education automatically opens up many opportunities.  Education is one part of the key to the way up.  What’s really stellar is to enlarge your vision of wealth to include your education and pursue scholarship and mastership.  You can publish as you go.

I am sure you heard about those people who made money quarterly (the writers) or the ones who were making money every minute (the manufacturers) ? Or that other one who made money in his sleep (the ecommerce pioneers).  Forbes Magazine used to have the billionaire profiles which were an interesting yardstick to see who was doing well on Earth and how they did it. You might think about how you can serve your community and build your career around it or how to design your life interesting and prosperous with a variety twists and turns.

Invisible President: An Analysis of Unpaid Labor in Washtenaw County and Unpaid Labor in General

An Analysis of Unpaid Labor in Washtenaw County and Unpaid Labor in General

By, Afua Serwah Osei-Bonsu

A student wishing to build their resume with volunteer work or humanitarian service may elect as an option, an unpaid position.  Unpaid positions can be extremely valuable for professional development and even status greater than an employee.  What can ultimately happen to a student or anyone signing on to an unpaid position is the assignment to themselves of a zero wage which may elicit disrespect from peers or other paid workers. There is a case where a volunteer at a theater working alongside paid workers was called a “slave,” which is true of a theater in Ann Arbor. In this case the volunteers felt prestige for service work and the employees felt superiority as wage earners.

Some businesses may have the majority of their work force unpaid and be completely reliant on unpaid labor. Even when working unpaid, “thank you’s” may be hard to come by.  People will in fact look down on you when you are working without a wage.  Will you even get a reference from an unpaid position?  Will they even remember your name? Should there be a record of your employment and a reference required? Should references always be required for every position?

In some instances disrespect extends to consultants and employees who use “two voices” for management and unpaid workers. 

Many managers show a “lack of interest in paying” their employees. Payment for some managers is not their priority and barely on their radar.  A paid worker may represent a threat and upset the hierarchy?  The lower you are, the higher they feel, the less you receive, the more sushi for them.

Unpaid labor also becomes cumbersome in discussions of salary history with potential employers who may view them as a low-pay or even an unpaid equivalent.  Unpaid labor is still further cumbersome in the presence of rampant racism and historical slavery.  There is no requirement that an internship, for example be unpaid, the good ones tend to pay.

How do positions come to be unpaid? Unpaid positions may represent a kind of theft.

Just because they didn’t pay, doesn’t mean they still don’t owe. There are several options including:  the department of labor, invoicing, collections agencies or starting your own collections agency, put it on their credit report and give them a rating, harassing phone calls, threatening letters, a lawyer, a blog, government, report to news/press, racism registries with state and local government or your own, setting up your own law firm, arbitration and binding contracts, speaking in legal terms and citing infractions, public letters, out of business strategies, replacing business in your community, researching legal cases on Linux and the internet, keeping a journal, or calling the police to report theft, filing a police report or opening an “Office of Pain and Suffering” that will replace your money.

A brief sampling of Washtenaw County produced a variety of unpaid positions such as internships, docents, board members, student groups, volunteer work, student jobs, independent fundraising, starting your own business, advocacy work, consulting,  film festivals, art festivals, fashion studios, start-ups, non-profits, family businesses, searches on student employment websites and we may also include minimum wage labor as labor that is barely paid or not equivalent.

What generally happens in some cases is one person has paid themself and neglected to pay the rest of the staff, sometimes pursuing interns or volunteers.  Other times in the cases of university faculty and staff, all receive departmental budgets and often neglect to spread their budget across all employees. Unpaid labor presents a “larger piece of the pie” for someone else and perhaps overall savings or profit for the department or company.

Very often it is a failure of management to identify proper funding channels or to value others as they do themselves.  The management may reach as high as the American government that may not have considered the trials of non-profits who fill the variety of holes in the American social system when planning their budgets.  Very seldom will the national or local governments be inclusive of local businesses that serve their communities in their budgets and should.

The downfall of a community with an abundance of unpaid labor is that it indicates something about that community.  It may present evidence of poor leadership, inadequate business skills, racism, and misappropriation of funds and may even be a huge crack in the wall.  Internships may save a company money and may appear to be a win-win situation but other factors may show that accepting a low wage for your work may create devaluation of mankind and in the workplace, presenting long term obstacles.

Some people are too self-centered to be good managers and employees may find that their portion of the payroll exists in managements personal accounts.  Ego, sexism, racism, ignorance may perpetuate a belief in someone’s mind that he/she has a value that others do not hold or a need that others are not worthy.

What should be brought into policy and law is an equivalent wage.  For example it may be necessary if you have been offered a job to tally the various tasks to see if your hourly wage is adequate to cover the amount of responsibility.  Perhaps America has devalued its people and disrupted work by electing a minimum wage, not to fall below as opposed to an equivalent wage to match.  It can be terrifying to receive a minimum wage that is not in keeping with the economy.  After a while, the people start to spill out into the street, when the economies go long term unbalanced.

Possible solutions government needs to take could be a thorough analysis of businesses under their umbrella to see which of those need government support or to possibly pay all wages from the government to stabilize business and society. The Federal Reserve doesn’t represent a small budget but an arbitrary budget that should also match the budgetary needs of  the country-not what is often said by officials that there is not enough in the budget or the budget is running out-a fallacy.

It may be necessary to institute an “Office of Fee Inquiry” that sets wages, prices, rents etc. to create a unilateral approach to employment etc. and balance the economy.  Very often subtle changes, even new landlords upset the local economy and may create social problems.  Long term neglect of employees also creates social problems.  People make economic decisions all the time unmonitored and uncaring of their impact on a community. Where in that chain can be inserted supervision? Someone may move to Ann Arbor from New York, get into rentals and gauge an aggregating increase in rents and destroy the town.

How does money get into the proper hands, how do budgets get properly allocated, how do we start to make this area inhospitable to racism? At universities students can often be added to payroll or placed into a budget somewhere.  The necessary caring doesn’t exist for enough management to show concern for their constituencies lives. Perhaps a gravitation away from hierarchal business strategies can be replaced with social models.  There are many things that could be solutions to the problems created by unpaid labor.

It is strange, it is as if shoes exist for an  unpaid job.  What was it like for example, to work in the south after slavery? Employers who do not pay adequately become stigmatized as well as position histories.

Watch out, for example for poorly planned positions and vacuous position titles which may indicate a workplace where management is ill equipped and uncaring.  Positions such as “intern” or “office assistant,” may represent jobs bearing poor designation  or “unspecified labor” and offered for a lower wage.  Positions should have titles, be well crafted, and with equivalent wage.

We as a people need to reexamine our current business models and address schools of business to plan new strategies. Hierarchal business models are obsolete. We must be entering a new era, where it’s time for caring and time for sharing of wealth.

 

 

Spring and Summer Book List

Spring/Summer Book List

By Afua Serwah Osei-Bonsu

Falun Gong Writings

Drawing books

The Art of Teaching Art By Deborah Rockman

Visual Thinking  By Rudolf Arnheim

The Art of Responsive Drawing   By Nathan Goldstein

Keys to Drawing By Dodson

Herbarium Books on Trees and Lichens and Michigan Nature

Lake Living books (Hiking tips, Fishing)

Recipe books

Dictionary to read

Language work books

French books

Twi Books

Spanish books

Publish Songbooks

Piano music

Read Latin

Grammar

Style Manual

Bon Appetit

Chef Books

The Only Grant Writing Book You’ll Ever Need  Ellen Karsh

The Everything Fundraising Book

New Directions for Philanthropic Fundraising Small Non Profits Mary Louise Mussoline

Jossey Bass Series

www.josseybass.com

Idiots Guide to Grant Making

Journals

Barnard Journals

The Elements of Style By Strunk, W Jr

Nation of Nations:  A Narrative History of The American Republic By, J.W. Davidson

Racial and Ethnic Relations By  J.R. Feagin

International Relations  By J.S. Goldstein

The New Dictionary of Cultural Literacy  By Hirsch, Kett

A People and a Nation:  A History of The United States  By, M.B. Norton

The Politics of United States Foreign Policy  J. Rosati

Women and The American Experience by N. Woloch

Atlas of The World   Oxford University Press

The Heritage of World Civilizations By A.M. Craig

  1. Central Asia: The Challenges of Independence By B. Rumer

Modern Latin America, T. E. Skidmore

Macroeconomics:  Economic Growth, Fluctuations and Policy R.E. Papell Hall

Principles of Microeconomics, G. Mankiw

Public Policy in the United States:  At The Dawn of The Twenty First Century By M.E. Rushefsky

Economic Policy Beyond the Headlines G.P. Shultz

Psychology and Life R..J. Gerrig

Psychology  Gross J Gleitman

Fundamentals of Management  R.W. Griffin

Managing Across Cultures By S. Schneider

Employment Discrimination Law D.P. Twomey

The Dynamics of Mass Communication  J.R. Dominick

The Investigative Reporter’s Handbook:  A Guide to Documents, Databases and Techniques

New Writing and Reporting  and Reporting for Today’s Media  B.D. Itule

Kiss, Bow or Shake Hands  By, T. Morrison

Public Speaking:  Finding Your Voice Plus New My Communication Lab with Etext  M. Osborn

Intercultural Communications:  A Reader By, L.A. Samovar

The Longman Guide to Style and Writing on the Internet  M.C. sammons

New Perspectives on Computer Concepts   J.J. Parson

Meditation

Foreign Affairs

Foreign Policy

U.S. News and World Report

The Economist

The New York Times

The Washington Post

Los Angeles Times

The Wall Street Journal

Pimsleur

Chess

Piano Music and Study books

Communications

Press Releases

Graphic Design

Linguistics

One King’s Lane

Wealth Through Workshops

A Pattern Book By Ryan Molloy

Servant Leadership By Robert K. Greenleaf

Leader to Leader Journal Spring 2006

Situational Leadership Hershey Blanched

Kouzes & Posner Model of Transformational Leadership

Lynda.com

Fileshare.com

Textile and crafting books

Dictionaries of the World

Dying textiles books

Popcorn Cook book

HTML + CSS

Design and Build Websites by Jon duckett

Javascript + JQuery  Jon Duckett

Java Murach

Tailoring:  the Classic Guide to Sewing the Perfect Jacket By, Editors of CPi

Classic Tailoring Techniques for Menswear:  A Constructionn Guide

Tailoring (Singer Sewing Reference Library)

Illustrated Guide to Sewing: Tailorinng A Complete Course on Making a Professional Suit

Couture Sewing:  Tailoring Techniques By, Claire Shaeffer

The Complete Book of Tailoring  By, Adele P. Margolis

The Shirtmaking Workbook:  Pattern, Design, and construction Resources More than 100 pattern downloads for collars, cuffs & Plackets.

Photoshop CS6 Visual Quick Start Guide