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OP-ED: We Make a Difference – “Strength in Numbers”

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“Two are better than one; because they have a good reward for their labor.” Ecclesiastes 4:9 (KJV)

“And if one prevail against him, two shall withstand him; and a threefold cord is not quickly broken.” Ecclesiastes 4:12 (KJV)

Steph Curry did not win this year’s NBA Finals alone. ~ Strength In Numbers

None of us complete our insignificantly small or big goals in life alone. ~ Strength In Numbers

Charles Dickens wrote: “It was the Best of times and the Worst of times.” Hopefully the former will apply to Oakland. ~ Strength In Numbers

Those recent unusual June raindrops alleviated my having to spend $17 for a badly needed car wash. ~ Strength In Numbers

Though the Greeks and Shakespeare wrote plays that required men to dress as women, Bruce Jenner has been able to evolve into an authentic woman because of all those dollars. ~ Strength in Numbers (dollars that is)

As cell phones are starting to capture all sorts of images, more police are being required to wear body cameras. ~ Strength In Numbers

Walking down a hospital hall, grocery store aisle, or mall corridor, strangers wear various versions of a Golden State Warriors t-shirt, smile and often pause for brief conversations, if only to say, “Go Warriors!”

As baby boomers are starting to age, housing needs are changing as well. Let’s welcome change together. ~ Strength In Numbers

Lake Merritt is not experiencing the droves of daily walkers, runners and bike riders like it used to. Where have all those boomers gone? To the YMCA, 24-Hour Nautilus, 24 Hour Fitness and some to churches or Temples to pray for more mental/physical strength and overall good health.

Find a group to play cards, play baseball, or bowl with. ~ Strength In Numbers

It will get you out of yourself and into community.

If all of us can vote for a new president, governor, or mayor, we can build a new Coliseum complex and/or ball park in the port area. After all, doesn’t that land belong to Oakland? ~ Strength in Numbers

Las Vegas, the stock market and even t-shirt manufacturers continue to thrive by Strength in Numbers.

Who would have thunk it?

Little Riley steals the scene at one of the recent press conferences, made this “Daddy’s girl” and thousands like me follow the normally mundane after-game interviews. ~ Strength In Numbers

Finally, Happy Father’s Day to all of the past, current, and future NBA finalists and non-finalists who are and continue to be exciting role models. You’re our Spartacus’ of today. ~ Strength in Numbers.

“Two are better than one; because they have a good reward for their labor.” Ecclesiastes 4:9 (KJV)

“And if one prevail against him, two shall withstand him; and a threefold cord is not quickly broken.” Ecclesiastes 4:12 (KJV)

Steph Curry did not win this year’s NBA Finals alone. ~ Strength In Numbers

None of us complete our insignificantly small or big goals in life alone. ~ Strength In Numbers

Charles Dickens wrote: “It was the Best of times and the Worst of times.” Hopefully the former will apply to Oakland. ~ Strength In Numbers

Those recent unusual June raindrops alleviated my having to spend $17 for a badly needed car wash. ~ Strength In Numbers

Though the Greeks and Shakespeare wrote plays that required men to dress as women, Bruce Jenner has been able to evolve into an authentic woman because of all those dollars. ~ Strength in Numbers (dollars that is)

As cell phones are starting to capture all sorts of images, more police are being required to wear body cameras. ~ Strength In Numbers

Walking down a hospital hall, grocery store aisle, or mall corridor, strangers wear various versions of a Golden State Warriors t-shirt, smile and often pause for brief conversations, if only to say, “Go Warriors!”

As baby boomers are starting to age, housing needs are changing as well. Let’s welcome change together. ~ Strength In Numbers

Lake Merritt is not experiencing the droves of daily walkers, runners and bike riders like it used to. Where have all those boomers gone? To the YMCA, 24-Hour Nautilus, 24 Hour Fitness and some to churches or Temples to pray for more mental/physical strength and overall good health.

Find a group to play cards, play baseball, or bowl with. ~ Strength In Numbers

It will get you out of yourself and into community.

If all of us can vote for a new president, governor, or mayor, we can build a new Coliseum complex and/or ball park in the port area. After all, doesn’t that land belong to Oakland? ~ Strength in Numbers

Las Vegas, the stock market and even t-shirt manufacturers continue to thrive by Strength in Numbers.

Who would have thunk it?

Little Riley steals the scene at one of the recent press conferences, made this “Daddy’s girl” and thousands like me follow the normally mundane after-game interviews. ~ Strength In Numbers

Finally, Happy Father’s Day to all of the past, current, and future NBA finalists and non-finalists who are and continue to be exciting role models. You’re our Spartacus’ of today. ~ Strength in Numbers.

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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.

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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:

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.

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Oakland Post: Week of November 22 – 28, 2023

The printed Weekly Edition of the Oakland Post: Week of November 22 – 28, 2023

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The printed Weekly Edition of the Oakland Post: Week of November 22 - 28, 2023

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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.

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LA Auto Show was the venus for the Acura ZDX Type S details.

The post Acura ZDX Type S features first appeared on BlackPressUSA.

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