Who are we...?

I have not been on here in a while, guess I'd like to say I've been soul searching or.. or.. finding out who I am. Going through a lot of life's changes, experiencing different things thats making me learn more and more about myself. This is good..

signing off... over and out..

Sociological Phenomenon

In light of recent events...

Studies show that 2 out of 3 battered women return to their abusers...

Why is that?

For the Mami's

A little throwback joint For The Mami's

Swag

Now, a lot of people dont like soulja boy. And honestly, I hadn't.. But when I found out that him and his friends wrote and produced their music out of his house, I developed I knew found respect for him. We have to admit, he did reach a certain level of popularity ON HIS OWN ( and of course with the use of Youtube).

This song inspires me almost every morning. To me, it means just being happy. You are the ultimate decision maker when it come to your happiness. And when you wake up in the morning, feel good about yourself and be enthusiastic about the day. Me personally, My attitude dictates whether or not my day will end well, and when I say end well, I mean make any money.. I work and get spaid straight commission. Yep, so every morning I turn my swag on and get prepared to overcome any objection I may come up on during the day. Remembering any technical information someone my inquire on. But, everymorning when I turn my swag on I know I have what it takes to crush the competition. Come out on top and be number one.. Fellas, turn your swag on. Ladies.. Turn your swag on.. seize the day. You can have it all.. But for me personally... THE WORLD IS NOT ENOUGH!!!..

Profiles in African American History..

Colonel Charles Young was born March 12, 1864 to ex-slaves in the little hamlet of Mays Lick, Kentucky. He graduated from the U.S. Military Academy at West Point in 1889. This gave him the honor of being the third African-American to do so, in spite of the hatred, bigotry and discrimination he encountered as an undergraduate.
Colonel Charles Young is remembered and honored as a man of unique courage and inspiration. This was especially true for those of "goodwill", who knew him, and for those who followed him into battle. He stands honored both as an African-American and in the history of African-Americans in the U.S. military. His first assignment after graduation was with the Buffalo Soldiers in the 10th Cavalry in Nebraska, and then in the 9th and 10th Cavalries in Utah. With the outbreak of the Spanish-American War, he was reassigned as Second Lieutenant to training duty at Camp Algiers, Virginia.
On a day in June, 1918 retired Lt. Colonel Charles Young, made his way on horseback, 500 miles from Wilberforce, Ohio to this nation's capital, to show he was as always, fit for duty. There, he petitioned the Secretary of War (now called Secretary of Defense) for immediate reinstatement and command of a combat unit in Europe. The ride from Ohio to Washington D.C. brought bittersweet results. Young was reinstated and promoted to full Colonel, but he was assigned to duty at Camp Grant, Illinois. By the time his reinstatement and promotion were in effect the war was near its end.
Too weak to command in France they said, but not too weak to traverse and suffer the swamps of West Africa, Colonel Charles Young, was once again, assigned to Liberia as Military Attaché. He died at that post on January 8, 1922, while on a research expedition in Lagos, Nigeria.

Nigger Please !!!

Racism is Definitely Alive and Ticking. Your thoughts .. What would you have done, said, or how would you have reacted to seeing a dude roll past you with this T-shirt on?...

Classic!!

I must have watched this film about 100 times. Love this scene!

Harlem Nights.

Lesbian Or....

Lesbian

Now, I don’t know if this will offend you, but I have to tell you something. With all due respect – now I mean - with all due respect. You are one of the most beautiful women I have ever seen in my whole entire life. Now, I’m not sure of your sexual preference. I see you’ve been hanging out with the ladies real close, but at the same time our eyes connect from time to time. And I wanted to know if there was a possibility, that you might want to get some lunch or… or… eat some dinner with, or… go to the movies, or… or... Just hang out do nothing bug out and laugh and enjoy that space… with…. A… ummm……………………………………………………………………………………………………………………………………………………………………………………………………….. Man?

Name That Sample!!

Name that Sample!!

Clues: You dont have to listen to the Whole Song to get it.... He's a down south rapper, his album came out in 2008

GENIE

GENIE


This morning I woke up and I was still stuck in this damn bottle..

When I look out the Glass I can see "esoog yerg" stained on it. And I'm trapped.

I want to leave on my own but my mind is influenced by the contents I'm swimming in..

I can't think straight, my body feels heavy. And I just need to sit down for a moment......

Inside this bottle I have the ability to do whatever I like.

Under its influence PEOPLE have done whatever is considered taboo..

And cast the blame on its sweet liquid goodness...

I would like to escape, if rubbed right by the right sensual lady..

Escape to fulfill most of her fantasies and wildest dreams..

Too bad she probably won't remember me in the morning........

And I'll find myself stuck again..

In this damn bottle..

Toyota Supra Twin Turbo

Short videos to sum up why this has always been one of my dream cars..

CRACKED ME UP !!!

I'm into silly shit like this... dunno why.. always has me rolling !

Rapist Glasses..





Pedophile Beards..

"Gives you that creepy sex face women just can't resist"..lol !!







Stay at home Dad




.. I just had a good laugh.. should carry me through the rest of the day!! ...

7 Things You Need To Know Before You Refinance

Courtesy: Luke Mullins, USNews.com

Mortgage rates have declined sharply in recent months. Here's how to take advantage
With mortgage rates dropping to record lows, it's no surprise that more and more homeowners are looking to refinance. Earlier this month, the Mortgage Bankers Association's refinance index--which tracks application volume--hit its highest level in more than five years. This wave of refinancing applications was sparked by record-low interest rates on 30-year fixed mortgages, which fell to an average of 4.89 percent for the week ending January 9. And although mortgage rates have increased modestly since then--hitting 5.24 percent last week-- interest in refinancing remains elevated. But while some borrowers will be able to turn these compelling rates into real savings, not everyone can get in on the action. To better understand the refinancing process, here are seven things you need to know to refinance in today's market.

1. Percentage point break: Despite the attractive rates, homeowners will have to thoroughly analyze their financial position before determining whether or not now is the best time to refinance. A good rule of thumb, however, is if your mortgage rate is a full percentage point or more higher than current rates, you should consider refinancing, says Orawin Velz of the Mortgage Bankers Association. "If your rate is about 6 percent currently, then it is a good time to think about it," Velz says. (Keep in mind that anyone trying to refinance a so-called "jumbo loan"--one that's too large for Fannie Mae and Freddie Mac to purchase--will face sharply higher rates, says Keith Gumbinger of HSH Associates.) The transaction fees lenders charge are another major consideration. Higher fees, of course, eat into the potential savings of a reduced mortgage rate. So the lower the fees, the better. "The fees that you should be paying need to be low enough so that you can recoup your money through the break in the interest rate in a reasonable period of time--usually under four years," Gumbinger says. (More on fees below.)

2. Half rejected: Although more Americans are looking to refinance, a significant chunk of applications won't be approved. In the first half of 2008, roughly 60 percent of refinancing applications were turned into loans, Velz says. "But because of the intensified turmoil in the second half of the year and continued decline in home prices, we believe that the rate has probably declined to [about 50 percent.]" In order to qualify for refinancing, homeowners will need to meet certain specific criteria.

3. FICO 740: While 720 is still considered by some to be a solid FICO score, it's not good enough to obtain the best rates in today's refinancing market, says Chris Freemott, president of All American Mortgage in Naperville, Ill. Instead, borrowers will need a FICO score of at least 740. "FICOs are everything," Freemott says. "[A FICO score of] 740 is the benchmark for the lowest possible rates." Borrowers that don't have this score can still refinance, but they're likely to face higher rates.

4. Equity and documentation: Home equity can be another significant barrier to refinancing today. The real estate crash has sucked a great deal of equity out of homes. Zillow says roughly one in seven American homeowners actually have negative equity—meaning they owe more on their mortgage than their property is worth. In order to qualify for refinancing, homeowners will have to have a minimum of 3 percent equity in their homes, Velz says. In addition to solid credit and home equity, borrowers will also need to be able to document their income in order to qualify for refinancing.

5. Fee paying options: Fees associated with mortgage refinancing vary widely from market to market and borrower to borrower. But on average, a $200,000 refinancing loan may come with up to $6,000 in fees, Gumbinger says. Borrowers have three main options for paying such fees. Those with enough cash may want to just pay the fees up front. Borrowers with less cash on hand may be able to opt for a higher interest rate instead of paying the fees. A third possibility is to have the fees tacked on to the principal of the mortgage, Gumbinger says. The key is to chat with your mortgage lender about structuring the fee payment so that it makes the most economic sense for you. "I've been doing this for 11 years now and… I've never written the same loan twice," Freemott says. "Everyone has a little difference to their situation."

6. Shop around: Given tougher lending standards and falling home prices, homeowners--especially those without perfect credit profiles--may have to get used to hearing the word no. But just because one lender turns you down doesn't mean you can't find another who's willing to refinance your mortgage. "Two or three years ago, lenders were crawling through the doors and windows to serve you," Gumbinger says. "We're 180 degrees out from there right now. You have to go find the lenders." So shop around. Research rates online, call up different lenders, and find out who's willing to offer you the best deal.

7. Be patient: The wave of refinancing applications comes amid a period of significant downsizing in the lending industry. That means there are fewer employees on hand to handle the surge in business. As a result, expect slow service. "The time to even find out whether your loan has been approved or not could run 30 days," says Mark Hanson, a managing director who handles real estate and finance research at the Field Check Group.

"The Davos Question"

(CNN) -- What will be the biggest question asked at Davos this year? The environment, economic development and energy security will all be hot topics discussed by the rich and powerful who will gather in Davos, Switzerland for the World Economic Forum from January 23 to 27.

"The Davos Question"

The question being posed is:

"What one thing do you think that countries, companies or individuals must do to make the world a better place in 2009?"

Blackonomics part 2

(Compliments INGDirect.com)

It's your financial future. Take charge.





Stock downturns. Declining house market. These are things you don't have control over. But on the home front, it's another story. Here's a list that can help you get the year started off right:


Keep a record of where your money goes. Look at your spending over the past three months. Leave nothing out. And then, cut expenses where you can.


Change your energy consumption habits (turn your thermostat down five degrees and save 10% in fuel costs).


Watch what you spend for food (avoid frozen dinners - you'll be paying $300 a pound for those veggies on the side).


Try to establish an emergency savings fund that will cover three to six months of expenses.


Make sure your savings and checking accounts are FDIC-insured.



If you're facing a mortgage foreclosure, look into Hope for Homeowners (a federal program that can help refinance mortgages for borrowers who are having difficulty making their payments).




If you didn't qualify for the 2008 financial stimulus and your income has fallen dramatically, you could qualify for a "recovery rebate credit" on your 2008 tax return.




If you're a first-time homebuyer, look into the new tax credit from the IRS that can equal up to 10% of your home's purchase price, up to $7,500.




Amp up your 401(k) contributions if retirement is more than 10 years out (you should be putting away 10% to 15% of your income).



Clean up your own credit (get a free copy of your credit report and look carefully for incorrect, misreported or out-of-date information).

If anyone is interested in opening an ING savings account, they offer a $25 credit if you open it with $250 or more. There are no account minimums and unlimited withdrawals and transactions.. with a very competitive APY ...check it out..

Like we were in fifth grade... Let Me Get a Do Over !!

What if you had a magical "do-over" button that you can press in those situations where the outcome lead to you wanting to kick yourself in the ass?..

Would you use it?..

I know there's been a point in time where all of us had an epiphany and said "damn ! I wish I hadn't acted that way!" Or, "wow I wish I would've taken that approach." Would you press that magical button that would rewind the hands of time and give you a second chance to do whatever it was,"the right way"?

The other night I sat and thought about it to myself. I said, "shit ! , I should've acted differenly, I wish I had a magical do over button."

But in retrospect the experience did teach me a lot about myself. It turned on a light in my brain in the section that had been pretty dark, and made me think that if something or some situation didn't go as planned maybe it wasn't meant to be.

If it wasn't meant to be, and if I did have a magical do over button to press and pressed it, the outcome probably would not change.

Do you believe in fate?

Do we have control over what is or isn't meant to be?

The older I get the less control I seem to have over the inevitable. I can't literally force a doctor to use my products, I can't literally force a girl to like me a certain way.

I'm learning more and more to just be who I am and let things fall into place.

Take care of my responsibilities, be who I am, and let things fall into place!

That's a hard thing to do for many of us because it leaves you vulnerable. It takes control out of your hands and puts it in this intangible belief in "whatever happens....happens", and happens for "a reason"...

I used to think that idea fuckin sucked, but I am beggining to see that maybe everything does happen for a reason.

Maybe I'm suppossed to work harder for that sale, Maybe that girl I want to be feeling me isn't really feeling me right now so I could be alone and reflect on life with no distractions...

Reflect on Life..

What Do you think?

Our Deepest Fear

A favorite of mine..


Our deepest fear is not that we are inadequate.
Our deepest fear is that we are powerful beyond measure.
It is our light, not our darkness that most frightens us.
We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous?
Actually, who are you not to be? You are a child of God.
Your playing small does not serve the world.
There is nothing enlightened about shrinking
so that other people won't feel insecure around you.
We are all meant to shine, as children do.
We were born to make manifest the glory of God that is within us.
It is not just in some of us; it is in everyone.
And as we let our own light shine,
we unconsciously give other people permission to do the same.
As we are liberated from our own fear, our presence automatically liberates others.

- by Marianne Williamson

Boats and Hoes... K.C., Jo-Jo, and Devonte..!

two clips to make ya laugh today !..


hahahahah! Boats and Hoes !





Remember this scene?!! Classic !!

Fcuk It.. (explicit)..

Damn I fuckin hate you. Fuck You Yo !..

Fuck your beautiful face that lured me.

Fuck your personality that got me stuck.

Fuck your sexy ass body that stays on my mind all the time..

Fuck the phone you use to call me 25 fuckin times in a row when I'm in the fuckin shower....

Fuck the letters on your dumbass querty keyboard you type whenever you want to text me a hundred million goddamn times!

Fuck your bluetooth!

Fuck your car!

Fuck your leave in conditioner you have to put in your hair every goddamn muthafuckin morning.

Fuck your whitening toothpaste you choose to brush your teeth with...

Nah fuck that! Fuck your fuckin dentist for cleaning your fuckin teeth every couple of fuckin months! That fuckin traitor..!

Fuck your parents for making you! Yea, I said it, so the fuck what... Fuck em! They don't like me because of where I'm from anyway!.. Fuckin stuck up pair of fucks!

Fuck your siblings for being fuckin related to you so closely!

Fuck the bed you sleep on, with all your comfortable ass comforters and shit... Yea ! I know they're jus fuckin sheets... So what !! Fuck em!!

Fuck the clothes you wear! Yep, fuck em!

Fuck your stupid ass shoes you wear on your bigass stupid ass fuckin feet! Yea! I think your feet are fuckin big, I never told you that! So ha! Fuck them fuckin banana boats !..

And fuck your fuckin face.... again ! Fuck it again!! No ! I don't want to actually fuck your face, I'm saying FUCK YOUR FACE! I want to throw a fuckin creme pie in it everytime I envision it in my fuckin mind.!!

I want to..... fuckin... Fuckin.... Say " MAKE UP!!!! " and hit you with a fuckin powder puff with a whole bunch of fuckin powder on it!.. And leave you standing there all white and shit.. with fuckin powder all over your goddam face!

And last but certainly not muthafuckin least.......

Fuck YOU.... You as in your whole mutha .......

Fuckin.......

Being .....

Fuck your piece of shit being that makes up YOU... you trifling ass cheatin ass lyin piece of slut shit..

Fuck off and go fuck yourself.....

Sigh..... I feel better now... ....

Blackonomics part 1

Here's what's real and what's relevant, and in the wake of all this economic crisis talk, I thought it was important to take a step back and put some things into perspective.. The economy is really shitty right now and I think all of us as minorities/ lower income individuals.... should evaluate our money situation and think about the future. Yes! That's right the future! Are you saving money RIGHT NOW?...

Do you have an investment vehicle in place that can help the money you have sitting there actually grow, and not just accumulate dust?..

Were you aware that you can lend your money to banks for a small fee or percentage rate? I always bring up this subject to people I know because we all have to save up for a rainy day or those days where we decide we aren't going to work anymore. At the beginning of the year what I usually do is write down all my major outstanding debt(college loans, car, motorcycle....etc..), then I map out a plan to decrease that debt by a certain amount in a certain period of time. I also write down my monthly bills and expenses. Then, with whatever I have left I decide how much to put into savings versus frivolous spending money.

I think we all need to do a better job of not spending money we don't have. This epidemic of credit tries to infect us all.. Now I'm not saying don't ever buy anything on credit, I'm just saying it should be a carefully calculated action. Taking into account how much you'll really end up paying when you actually pay off your purchase, and the time period you plan on paying it off in.. Do you have a 401k, life insurance plan, or an IRA in place?

If you do.... Do you track its progress?... How much are you contributing to it?.. Did you know that you can decrease your tax liability by the actual amount you contribute to your IRA and 401K?... There are max contributions you can make, but it is definitely worth it so you can keep more of your money....

A lot of people don't see how much of an impact this has because it's money they won't see until they get to retirement age.. Hey, in my eyes a dollar now is definitely worth a dollar later.. Lets evaluate where we stand financially before it’s too late!