advice
It takes a village to raise a family; advice and tips to make the most of yours.
Black families need to talk at the dinner table.
So what has brought us here? The need for knowledge, we are just learning about the conversations as black families that we are very much in need of having. And to make a well-informed decision, knowledge is key. Fiduciary. What is the definition of this word? The Cambridge English Dictionary defines it as a person or an organization who is responsible for the managing of money or property that belongs to some other person or organization suitably or responsibly. This mostly means, they look out for the people they serve not the shareholders. Whether it's life insurance, health insurance or even real estate companies. Take time to find as much as you can about these companies. You will find that most of these companies want to first, educate customers on the difference between them and other companies. They want you to not only understand the cost of their products but, the real reason you need it. What an eye-opener, when a life insurance company tells you. Look! Sir or Madam. "Life insurance is not for the dead, it's for the living that's left alive to maintain a decent living". Your rent and other utilities along with food other bills are all still due and coming in the mail. The family's way of life will be at stake. These and other conversations must be had at some point. The dinner table is the best place where families that eat together should be talking about things like this. The Department of Family and Children Service offers some tips on this subject and other conversational starters on their family topic sites on getting the conversation started. Like being at the doctor's office. We need to start asking questions about things we do not understand. Black families are learning, saving money is like finding money. Being more informed about the purchases we make is very valuable. It has been said, "All the insurance in the world means nothing if you can not afford it". Dealing with the right company that will help you bundle up your accounts is a good thing. Home, life and auto all bundled together will help you save time and money. All of this while getting the best bang for your dollar. This is what black families are missing. Young adults need to be added to some these family talks. If they are old enough to understand like 17 and up. This makes them feel good and a part of the conversation. To adults, you should be to ones teaching them some critical thinking. Especially before getting them a credit card, teach them about debt. If you want them to know the truth then you should do the teaching of whatever that lesson is. A study done by CreditCard.com shows this to be true. Overall, this was true for almost all families. If you looking at some investments then look at a company called, Fisher Investments. This is a fiduciary investment company. They will structure all of their products and services around you and your needs. These are the types of companies I've learned, we all should have been dealing with. Why you may ask? Look at it like this, you don't go to a bank to buy life insurance. Learn about insurance in general. What is the difference between Whole Life, Universal Life and Term Insurance? Learn it then teach it! I think with proper research, you will find that Term Insurance is best. I hope this information has helped and you can use it to help you in your research so you can talk with your family. I would like to take this time to thank you for this read. If you like and agree with me helping you to have more information to make a more informed decision. Please continue, to read, like and share my work to support my ambitions.
By Horace Albert5 years ago in Families
The Little Black Book
THE LITTLE BLACK BOOK With my head down, I trudge down the street towards my apartment building. Just as I was about to cross the street, I glance up and catch a glimpse of a person in a bright red jacket on the other side of the street. For some reason, it appears as though they are purposely headed straight at me. So I pick up my pace and add in a few weaving steps to get, but the stranger matches my weaves and steps into my path, forcing me to stop short.
By Carson Wells5 years ago in Families
The First Time
The first time! There is a first time for everything. But does it cross your mind that the first time could mean just about anything? It's scary when those words exit your child's mouth. These words could mean anything. When we were younger and had our first time, we would hide it from our parents.
By Laura mclean5 years ago in Families
REMY
REMY Remy loved early mornings. The type of morning where the sun was nowhere close to being out and the day seemed late rather than early. He and his Pops had a thing: getting up before the ass crack of dawn and just talking. Talking about dreams, aspirations and their feelings. Something the both of them had been deprived of. You see, Pops never had anyone ask him how he was feeling; if he was ok, if he needed someone. So, every time something bad happened, he kept it inside. He never spoke to anyone about it. But he turned out all right. He met a girl, married her, and started a family. And for a long time, his life, his family’s life, was more than he could have ever asked for. Until, his wife got sick. The type of sick, that has no fix. He stood by his wife’s side until time was up. When it was, his life was ripped to shreds. And for a while, things stayed like this; nothing getting better… till there was no use in trying anymore.
By Daniel Rocha5 years ago in Families
How are you communicating your feelings?
Hi, welcome to my post. You’ll find information on aspects of homeschooling like languages, organisation and We are a family that believes in learning every day and grabbing adventure when it presents itself. I am the Mama and I am have never fit the mould. Being part of the LGBTQ+ community, neurodiverse and aiming for anything but the typical nuclear family. My dream life is not the typical 9-5, which was not the life my partner expected to end up living as he has grown up with traditional values. We have similar goals for our life together and for our children.
By J . Turner5 years ago in Families
Motherhood
Remember the first smile? The first skin-to-skin contact? Those are memories that you will carry with you forever. Memories that we keep in a book to look back on as our children grow older. Motherhood changes you, even if you don’t think that it will. I never thought becoming a mother would change how I view the world. How I want my children to grow up. All that has changed in the back of my mind. Those little humans as I call them have helped me to view this world from a different view. They’ve opened my eyes.
By MICHELLE SMITH5 years ago in Families
Mental Health during COVID-19
If you are reading this you are probably a parent or adult with whom this relates to. I first want to thank you, because honestly you could have spent your time doing other things, like laundry or sex. But you chose to come here and hangout- thank you! I promise this will be informative and educational straight from the mind of a practicing mental health professional and clinical social worker.
By Tanisha Robinson5 years ago in Families
