Featured
BOOK REVIEW: Lose Your Final 15
By Terri Schlichenmeyer
The Bookworm Sez
Somebody passed you a plate of cookies.
It was the holidays so, of course, you had to take one. Or three, because they were good; and when the fudge came around, you had that, too. And some pie, cheesecake, punch, homemade candy, now your pants are tight, you feel lazy, and your bathroom scale is screaming.
Yep, it’s time to step back and step toward “Lose Your Final 15” by Rovenia M. Brock, PhD.
When she was just 9 years old, growing up in Washington, DC, Rovenia Brock had a dual life-changing experience: she lost her mother to cancer and she met her mother’s friend, a dietitian who taught Brock the “relationship between diet and health.”
Remembering the woman’s words, Brock went to college to be a “nutrition educator” but, like many women of color, she “worried that men wouldn’t find me attractive unless I put a little more meat on my bones.” That was unhealthy and she knew it, so she created her Final 15 program.
To begin, take the “Self-Assessment Test” and put yourself in the “F-15 Mindset.” This will help you make better choices when faced with cravings. Also, remember that some hunger is emotional, and that you can understand the difference.
In the planning phase of the Final 15, Brock recommends that you eliminate sugar, sodas, and alcohol. Eat breakfast early, and then “eat often.” Get lots of sleep, and “take special care” if you’re a nightshift worker. Understand that buying dairy products, vegetables, fruits, and fish is not merely a matter of going to the grocery store.
Phase 1 teaches readers the basics of eating and exercise. Phase 2 adds more choices to both. Phase 3 of the Final 15 diet is the “Coast and Maintain” phase for lifelong health, but that doesn’t mean letting your guard down.
“You can’t declare victory,” Brock says, “and then return to your old habits.”
Those last fifteen pounds, as they say, are the hardest to lose when you’re dieting. But “Lose Your Final 15” helps the first pounds go, the last pounds go, and every ounce in between.
It won’t be easy, but author Rovenia M. Brock offers step-by-step handholding and useful advice, as well as fat-burner exercises. There are lots of charts inside this book, but nothing too scientific; you’ll also find simple recipes that don’t require a Food PhD to make. For a little added encouragement, “Dr. Ro” includes success stories from people who’ve shed their poundage and kept it off.
Readers, however, should know that some chapter sub-headings may seem misleading: you shouldn’t, for instance, “Drink Half Your Body Weight in Water,” but you should read the section. The actual page on eating snacks “That Are No Larger Than Your Closed Fist” has more succinct meaning.
Read. Carefully.
You might read a little repetition while you do, but it will underscore what’s inside this book. If those holiday cookies went from lips to hips and you’re walking them off now, “Lose Your Final 15” is a book you shouldn’t walk past.
“Lose Your Final 15” by Rovenia M. Brock, PhD, c. 2016, Rodale, $26.99; 285 pages.
#NNPA BlackPress
How to Use Credit Wisely
(NewsUSA) – As the holiday season approaches, more people are out shopping, searching crowded stores and online promotions for the best discounts, and using their credit cards to pay for it all. But beware the financial dangers of credit use — how you pay for these deals could safeguard your budget or lead to debt. […]
The post How to Use Credit Wisely first appeared on BlackPressUSA.

A CERTIFIED FINANCIAL PLANNER professional can help you guard against costly credit mistakes, paving the way for a financially sound festive season and beyond. Learn more about how to use credit in a way that works for you with the insights below.
Choose Your Credit Card Wisely
Whether you’re shopping for holiday gifts or purchasing necessities like groceries, the credit card you use can make a big difference. There are several factors to consider:
- Interest Rates. Rates generally run from 21-33%. The standard bank card charges at the low end of the range, and retailer credit cards (those typically with the store’s name on them) charge as much as 33%.
- Cash Back. Among the best deals are bank cards that offer cash back ranging from 1-4% of your purchase.
- Rewards Points. Some cards have rewards programs where you earn points that you can redeem for products or services. They may seem attractive but are worthwhile only if you’re actually interested in the rewards offered.
- Cash Discounts. While retailer credit cards have the highest rates, some offer big cash discounts at the point of purchase. That may be the only time they’re worth using.
Improving Your Credit Score
Boosting your credit score can help you qualify for the lowest available interest rates on auto loans, personal loans and mortgages. If you can, pay the full balance when your credit card bill arrives. But most importantly, never miss a payment. Paying on time not only avoids late fees, but also is a key factor in improving your credit score. The easy way to ensure timely payment is to set up automatic online payments.
A CFP® professional can help you develop other strategies to save money while improving your credit profile, including the following:
- Identifying which debt to pay down first.
- Switching to balance transfer cards that don’t charge interest for a year or longer.
- Converting high-interest debt with interest payments that are not tax-deductible to lower-interest debt whose interest payments are tax-deductible.
Establishing Credit
Lenders offer credit to people with a long and reliable credit history. Most young adults don’t have one. There are various ways to obtain credit, but steer clear of debit cards that claim they can help you build a credit history. When you consider the costs and requirements, they’re usually no bargain. You have better and cheaper options for establishing credit. Here are three of them:
- Get a secured credit card.
- If you have a student loan, make sure you’re up-to-date with payments.
- If you pay rent, ask your landlord to report your on-time payments to the credit bureaus.
The choices we make in managing credit can have a lasting impact on our financial journey. As you navigate the complex credit landscape, remember that CFP® professionals can offer tailored guidance for your unique circumstances. Whether it’s identifying strategic debt payments, exploring balance transfer options or establishing credit responsibly, a CFP® professional can provide a roadmap for achieving your financial goals. Find a CFP® professional today.
The post How to Use Credit Wisely first appeared on BlackPressUSA.
Activism
Oakland Post: Week of November 22 – 28, 2023
The printed Weekly Edition of the Oakland Post: Week of November 22 – 28, 2023

To enlarge your view of this issue, use the slider, magnifying glass icon or full page icon in the lower right corner of the browser window.
#NNPA BlackPress
Acura ZDX Type S features
LA Auto Show was the venus for the Acura ZDX Type S details.
The post Acura ZDX Type S features first appeared on BlackPressUSA.

LA Auto Show was the venus for the Acura ZDX Type S details.
The post Acura ZDX Type S features first appeared on BlackPressUSA.
-
Activism4 days ago
Oakland Post: Week of November 22 – 28, 2023
-
Activism2 weeks ago
Oakland Post: Week of November 15 – 21, 2023
-
Activism3 weeks ago
Oakland Post: Week of November 8 – 14, 2023
-
Activism4 weeks ago
Oakland Post: Week of November 1 – 7, 2023
-
Bay Area3 weeks ago
“California Draining:” Stanford Report Explores Why More Californians Are Moving to Texas and Arizona Than Ever Before
-
Activism3 weeks ago
Survivors, Officials Attend State Memorial Honoring 35 Firefighters Who Died on Duty
-
Activism3 weeks ago
The Lookout: What You Should Know About California’s New Gun Laws
-
#NNPA BlackPress2 weeks ago
T.I. and Tiny Open Affordable Housing Complex in Atlanta