Major Credit Woe

Major Credit Woe


According to Forbes magazine 7 out of 10 young adults made major credit mistakes before age 30. Sadly to say I was among this statistic. But how much does young adults really know about protecting and guarding their credit. If financial and credit management was a part of high school curriculum it could possibly reduce a friction of the credit mistake young adults make. Thinking back I don't recall discussing credit but I do remember applying for my first credit card at Macy’s at age 18. These common mistakes affect many young adults years later by either remaining on their credit report unknowingly or resulting in a high interest rate on other credit obtained later in life. 

Connect with Santasia:

Website: www.creditdonesimple.com
Twitter Handle: @mscandihill
Instagram Handle: @i_am_candihill
Facebook Handle: Santasia "Candi" Hill
Linked In: Santasia L. Hill

 

 

 

Collections & Charge-Offs

Collections & Charge-Offs


When it comes to charge-offs and collections both can really impact and harm your credit score. Having numerous of credit cards, high balances, and late payments affects your score negativity as well. When an account reaches the point that creditors turn your account over to a collection ion agency it has already caused your credit harm. Collection agencies are hired by creditors to collect on accounts. Most creditors turn accounts over to collection agencies when the account reaches 90-180 days past due. Collection agencies will try to collect as close to 100% of the amount owed as possible, because a percentage of the amount collected goes to the collection agency. By the account reaching a collection status it can be displayed on your credit report twice, once by the creditor and once by the collection agency. This can cause your score to drop by nearly 75 points. That's a huge drop on a credit standpoint.

If creditors determine your account is uncollectible the process of a charge off takes places and the account is closed, sold or transferred. This means the creditor will “write off” this account. However, if you ever plan to get any other credit it will be hard based off another creditor has classified you as unworthy of maintaining credit. But there are other creditors that will extend credit to you with a collection and/or charge off but the interest rate will be outrageously high. Please be smart about your credit because if you are not the cycle could repeat itself in another round of collections and another charge off. 

Santasia H~

 

Connect with Santasia:

Website: www.creditdonesimple.com
Twitter Handle: @mscandihill
Instagram Handle: @i_am_candihill
Facebook Handle: Santasia "Candi" Hill
Linked In: Santasia L. Hill

 

MEANINGFUL FREEDOM: AN EVOLUTION

MEANINGFUL FREEDOM: AN EVOLUTION

I still remember the day I left my corporate job as an international marketer for a large company. As I held a box containing my personal items, I said my last goodbyes to my friends and co-workers, to my office of five years, and even to the job title I worked so hard to earn. I remember driving back home and all of these birds dancing together in front of my car, as if the Universe was singing a song of freedom with me. I felt so free, so light, like I had left behind the weight of the responsibility of working for a large corporation, the weight of the title and the layers of business suit. Right then, I thought: “I AM FINALLY FREE!” There were so many emotions: a sense of nostalgia, a sense of peace, a sense of excitement for the unknown. It was a big step for me, a step that took 15 years to happen, that came after many experiences of working for large corporations. Many countries were traveled, cultures experienced, teams built and friends made. And, there were also so many challenges.
Suddenly, it was just me; my name was no longer associated with a company, title or routine. I told my husband I wasn’t going to work for couple of weeks, and I didn’t. I played until playing actually became boring. Freedom almost became a job, and after a few weeks, I asked myself, “What do I do with this freedom? Inner-guilt began to set in, and it led me to create a vision for my company, a mission, a website and a product. 
Years have passed, and I have learned that freedom is actually a state of being, a humbleness to the vastness of the Universe, a joy for the simple yet most profound of human experiences, like a smile, a hug, a sensual touch.
Freedom is a choice; for me; it’s learning that just as I left that day my corporate job and became free of that job responsibility, I can make that choice every day. The choice is mine to have the universe sing a song with me. I can choose to be authentic, to love myself unconditionally in areas in my life where I don’t have all of it together, to be open new doors to life’s opportunities, and even to constantly reinvent myself. 
Freedom is an evolutionary process. For me, it’s been an evolution that’s meant to be shared with others. Living my life in a constant state of freedom is far more complex than putting a resignation letter, and its complexity exists in the simplicity of the little choices and big choices that require courage to keep moving into a state of freedom. 
I knew others who left their corporate jobs, too. They told me that my actions inspired them and I was very surprised. I really didn’t expected that at all; I honestly didn’t realize that my choice for freedom could inspire others to do the same. Now I aspire to live a life of meaningful freedom because I know that with freedom comes the responsibility of choice. Every day, I ask myself why am I doing what am I doing. What drives me? And I have to evolve from a singular freedom to a freedom for the village, for the world. Yes, it starts with me, with you, with us.
I am free. I am living in a state of meaningful freedom. I am constantly evolving to using my freedom purposefully as my GIFT to the world—a creative GIFT that’s meant to be shared with and inspire others. I thank God for the GIFT of freedom I have been given as my birth right.
A lot of what was behind my reason for staying at my corporate job so long was outside approval. That was the “why no” side of the argument. But what about my own inner approval? I wanted a family, I wanted flexibility, I wanted freedom of self-expression and all of these really mattered to me. I only moved to “why yes” when I stopped listening to the voices of others, after realizing why it mattered to me. When I stopped listening to the invisible voices of the “others,” my own voice started to become clearer, and I was finally ready to listen. Just one change of perspective, literally moving from one chair to the next, from a place of “why no” to one of “why yes,” I had an immediate transformation. And you know what? It still happens to me every day in some aspects of my life, from the small choices like where am I going to invest my time in this week, to with whom I am going to partner?
Sure, there are days when I think, “I should just go back to corporate, it will be easier. I’d have a paycheck and insurance plan.” So what’s the reason I continue working on what I am building? In my freedom journey, the reason I still say yes to it all is because the “it” really matters: sharing stories, doing what we were born to do, honoring the work we love, and living in a constant state of flow and joy. Self-expression matters.

Where can you start to experience meaningful freedom? By getting in touch with the essence of who you really are: What is so natural to you that you hardly notice? Is there something you’ve wanted to do for many years and haven’t done yet? Create your own path forward, and I will meet you on that path. Begin your own evolution.

Virginia Nava Hieger is the author of Your Unique Gift: Finding Life’s Unique Gift Proposition and Meaningful Freedom: Finding Freedom Through Wholeness, two books aimed at empowering women on a journey of self-discovery, authenticity, wholeness and personal freedom. As a Transformative Power® guide, she believes each one of us has our own source of inner strength and that we simply need the tools to reconnect with it to let our light shine back out into the world. Visit her site at www.thetransformativepower.com. For a free ebook, email virginianava@thetransformativepower.com.

-Virginia Nava Hieger

Connect with Virginia:

Website: www.thetransformativepower.com
Twitter Handle: transformativep
Linked In: Virginia Nava Hieger

 

Where did the time go?

Where did the time go?

As a wife, mother, and entrepreneur time gets the best of us, would you agree?  
There are 24 hours in a day: 
 
8 hours of sleep (LOL) 
8 hours of our job
2 hours in traffic
2 hours of cooking and prepping for the next day
4 hours remaining! Now what happens to the husband and kids? Oh yeah little ME time? 
 
You can’t raise kids with only 4 hours in a day! Ensure you are reading with them having lunch or breakfast when you can. But they really need your time because while the other hours are being occupied the world is influencing them. 
 
Here are some easy steps that may assist you in time management: 
1. Get a schedule in place
2. Separate work and home
3. Ask for help
4. Don’t be a slacker
5. Set reasonable goals (S.M.A.R.T)  

- Keshea Way

Connect with Keshea:

Website: www.kesheaway.com
Twitter Handle: @taughtbyfaith
Instagram Handle: @taughtbyfaith
Facebook Handle: Keshea Way
Linked In: Keshea Way

It's Good To Cry!

It’s good to cry!

It’s amazing how emotional this time of the year can be. At a time of great joy, memories, and festivities; also comes grief, financial burden, and reality. The reality of what is here and what isn’t. The reality of who is here and who is not. It can sting and it can burn. Some pain runs so deep, that no tree, no egg nog, no 10 pound plate of turkey, dressing, ham or cake can replace. Some wounds and voids are complete holes in our hearts. If this is you, just know that you will get through this. I don’t know what it’s like to live with a hole in my heart but I’ve gotten pretty close to experiencing what death of a loved one close to you will feel like with divorce. I know it’s still different because we are both still living and co-parenting. Heck, we were together last night at spirit night. But the death of what “was supposed to be” is the emotional twist that adds a new dynamic to this holiday for me.

I just finished writing the most gut-wrenching chapter of one of my upcoming books. It took everything in me to write it, but I can’t explain the power of getting it out has just revealed to me.  Behind every tear was toxins leaving my body. Each tear reflected a bit more self-forgiveness, a bit more self-respect, and a bit more compassion for what was.

It’s ok to cry. Crying is a cleanser, a detox, a release, and a nurturer. As bad as the pain feels, the clarity that comes after a good cry could be just the thing you need for your next chapter, New Year, and New View.

- Tierra Destiny

Don’t box your GIFT—instead, wrap it in a bow of unlimited possibility

Don’t box your GIFT—instead, wrap it in a bow of unlimited possibility

We are taught to put things in boxes and to choose labels. We are constantly labeling ourselves, the world around us, and putting things into the various boxes of life.
Living with boxes and labels feels somehow comforting; it feels like this is the way to understand something, to comprehend it better. As I became a mother, I experienced even more of this phenomenon of labeling: Mother, working mother, single mother, stay-at-home mother, mompreneur, soccer mom, art mom. As I stepped out of the corporate world, I went from being an executive and corporate woman to being an entrepreneur and a solopreneur to being a mompreneur, a marketer, an author, an artist, a messenger, a cleaner, a dog walker, a wife, a writer, and a craft jewelry maker. 
The truth is, none of these boxes or labels truly fit me; it’s as though they simply become more confusing and less of who I truly am. Labels and boxes are limiting versus expansive; they shrink conversations, minimize our views of the world and others. We start forgetting who we really are. I started forgetting who I am, as I began associating myself with all of these labels, and then I suddenly had to live by all of them. 
As I grew as a mother, I realized there are no words in any vocabulary that truly describe my motherhood style. There’s no book that offers the right words to describe me. I am the author of my whole life, I am still actively writing the story, and the words are given to me and created by me along the way. 
I started realizing how much of my life, I had been so concerned about the box and the labels that I had forgotten was inside. I had forgotten to ask myself what it was that really wanted to be expressed through me.
A GIFT is indescribable. Beyond words, it grows and expands, and has a transformative nature all its own. It’s deeply humbling and so very warm; it makes your heart come alive at one of its deepest rhythms possible. Its unique feeling is even bigger than having butterflies in your stomach when you fall in love; it’s more like having a dove within, a beautiful white bird opening its wings wider and wider, and it comes from within. It’s a light that pours from inside, outward, the highest expression of your soul, where your body, mind and heart all come together to serve one and another. It is being and feeling alive. It is connecting with your deepest self, the end of the longing for something else, because right there, there it is. 
A GIFT is beyond words, it is expansive; just as you wrap it, it naturally unwraps itself as a constantly expanding game. As the Dalai Lama says, it is “a smile from within.” It doesn’t play by the rules because it is free from judgment, to be graceful and loving. It grows in depth with love, and it can see and feel beyond the world of boxes and labels into something deeper. It has a vision that is deeper that eyes can see, a heartbeat that continues to keep it alive, and it finds a vessel from which it can serve and share. It wants to feel an expansive community where each gift supports another, where the gift is honored and serves as an offering for the world, for humanity.
A GIFT is as big as the sky, as tall as tree, as beautiful as a bird’s song, as grounded as roots on earth, and as genuine as a child smile, it has many rhythms, like a symphony. It is both rooted and ethereal; it is magical. It is beyond normal understanding, and is only understood with the heart and spirit. It is shared by open and willing minds and hearts who seek to open the gift within who choose love and courage as a way of being.
A GIFT is your own art form, your own unique real self-expression; a genuine style that is in total alignment with yourself and is grounded in love, compassion and openness. It encompasses a fullness from spirit, and is a gift for you to both receive and to share.
A GIFT’s unique voice is your own. Giving a gift a voice is a way to share your story, your wisdom, and your learning; to honor and pay it forward to re-gift it for all humanity and future generations. We share the gift of our stories on our journeys and are serve as their vessels, their messengers. This is how we give back to our villages, tribes, and communities. When we move from knowledge to learning and then to sharing our learning with the world, that is when we shine light onto the paths of all gifts on the path. 
A GIFT of stories from our ancestors, and were given the words, art, creation, and imagination with which to lovingly serve as the continuing voice that breaks through the darkness of life. We each have within us inner wisdom, resources, value, and power that are aligned with a deep inner why or reason for being, and in this way we share our gifts beyond the labels and boxes created by the world, where others can hear our voices and find their own unique gift expression within. There, they can reunite, reconnect, reintegrate within the deepest sense of themselves. 
Being a GIFT has been the most humbling experience of my life. Sharing stories that richly illustrate my own gift journey continues to help me grow and expand. It’s given me the deepest experience of a human expression, and taught me to appreciate more, to stop more often and ask myself whether I am in the presence of a gift. Am I only looking at the label or the box? Am I sharing and expressing my gift? Am I having a gift conversation? Am I teaching from a gift place? It’s brought me to so many beautiful questions like these to reflect upon throughout my life and my journey.
May your GIFT journey be magical, beautiful, and beyond words. May you find the courage within yourself to receive your gift, and in that receiving, come to recognize that it wasn’t ever yours to keep. In truth, it belongs to humanity so that it can experience the depth within your heart, mind and soul in the spirit of love.

Virginia Nava Hieger is the author of Your Unique Gift: Finding Life’s Unique Gift Proposition and Meaningful Freedom: Finding Freedom Through Wholeness, two books aimed at empowering women on a journey of self-discovery, authenticity, wholeness and personal freedom. As a Transformative Power® guide, she believes each one of us has our own source of inner strength and that we simply need the tools to reconnect with it to let our light shine back out into the world. Visit her site at www.thetransformativepower.com. For a free ebook, email virginianava@thetransformativepower.com.

- Virginia Nava Hieger

Connect with Virginia:

Website: www.thetransformativepower.com
Twitter Handle: transformativep
Linked In: Virginia Nava Hieger

 

Tears!!!!

Tears!!!! This surprise feature written with heart alongside a leader I respect is soooo SPECIAL!


FEBRUARY 29: It’s ‪#‎LeapDay2016‬ and we want to enjoy this last day of ‪#‎BlackHistoryMonth2016‬ highlighting some Bulldogs who have taken HUGE ‪#‎LeapsOfFaith‬. 
Tierra Destiny Reid (BSFCS ’03) is the CEO and Founder of The Retail Campus and TDR Brands International. She took a setback from corporate downsizing in 2009, and turned it into her first ‪#‎LEAP‬ into entrepreneurship and opened Stylish Consignments. This step actually lined her up to find her purpose in empowering women in business! By 2012, she had sold her store and launched TDR Brands International which has led to her being an Oprah Winfrey Network Ambassador, motivational speaker, conference host- including one taking place in SOUTH AFRICA in 2016! She wants all women to "Shine Bright, UNAPOLOGETICALLY!" James “Jay” Bailey (M ’99) recently took his second #LEAP in 2015 by launching the Phoenix Leadership Foundation. After leading Operation Hope, as CEO, in Atlanta to great heights, he saw a need in our community and decided to make a real difference for young Black males. The foundation funds and develops programs providing positive role models and creating leaders. Their goal is to inspire youth to rise from the ashes of their circumstance and soar towards living in their purpose! He brings so much to the table including being only 1 of 8 Americans honored at the White House in 2012 as a “Champion of Change". That is the power, pride and ambition he is pouring into our young men!
Both of these outstanding Georgia Bulldogs have been nominated for the UGA Alumni Association’s 40 Under 40 awards, and have been honored in their communities. While in college they were both active on campus in numerous organizations and their respective sorority and fraternity - Alpha Kappa Alpha Sorority, Inc. and Alpha Phi Alpha Fraternity, Inc. 
Thank you Tierra and Jay for having the faith to take the next step, even without seeing the stair. You are inspiring us all to take our own #LeapsOfFaith!
‪#‎ugablackalumni‬ ‪#‎UGABABHM‬ ‪#‎UGABlackExcellence‬ ‪

Tears!!!! This surprise feature written with heart alongside a leader I respect soooo SPECIAL!

- From @ugablackalumni

Is there an elephant in the room?

Is there an elephant in the room?

Growing up it was a must to have an elephant in the room, the elephant signified dignity, power, pride and reliability. The elephant is one of the largest animals in the jungle not to mention the tremendous strength and wisdom it carries. Have you heard the saying "I have the mind of an elephant"? The elephant is thought of as one of the most intelligent creatures. The life span is 60 plus years and throughout their years they are very compassionate and deeply committed. 
 
As humans we are much like elephants. We show compassion, wisdom and strength. The development of relationships that are fostered through family, friends and neighbors we build each other up and support in the time of need. The elephant does the same with community of the jungle when babies are born they hover around to celebrate and take care of the elderly of the jungle by honoring them. 
 
This large yet graceful animal has poor eyesight, but with FAITH his other senses are keen. For Faith is not what is seen but knowing and believing so I am more than sure this animal has tons of FAITH. With my FAITH I would love to be the ELEPHANT IN ANY ROOM.  
 
I AM WISE, I AM STRONG, I AM GRACEFUL, I AM A LEADER, and I AM FAITHFUL

- Keshea Way

Connect with Keshea:

Website: www.kesheaway.com
Twitter Handle: @taughtbyfaith
Instagram Handle: @taughtbyfaith
Facebook Handle: Keshea Way
Linked In: Keshea Way

Living Vs Existing

Living Vs Existing

"You haven't lived until you have learned to breathe." I was driving to the office one day when I heard this saying in my spirit. I begin to ponder on it and it brought tears to my eyes. The first image that I could see was when a baby is first born.

Pregnancy doesn't equate living, it is merely the anticipation of life. How many of us can recall and reflect on being "pregnant or pregnant with something"? To be pregnant with something, means that we are holding something that is so dear that has yet to be birthed, nurtured and matured. That's how it is with your dreams, visions and desires. But it's just conception until we give birth to it and it has life blown into it.

I want to take a minute to look at the how something has the potential to live or to exist. Anything living is thriving, growing, and maturing. Anything that is just existing is lingering, barely surviving. Many of us can possibly find ourselves in one or the other and have at some point in life. Life has a way of causing some people to just exist, mean you are lingering. Sometimes many don't even know they are just existing. It's a normalcy to them. How can one just be existing?

Easy! Focused more on survival than creating substance. For some that's all we know. We believe that there's no more options or very few options. Ok, so that's the hand you were dealt? Then let's change the card game that you're playing. Instead of playing Go fish, let's play Solitaire. Increase your leverage and change your strategies and influencers. People with different mindsets play Solitaire from those who play Go Fish. That's a different discussion. Existing! You want to start the business but you're lingering at "I thought about it". You want to get married but when it comes to trust you say "I don't know if I will find the right one". You want to travel and your words are "but the bills have more frequent flyer miles than I do". You get the picture?

That's existing because what should feel like life feels like exhaustion, as if life is being drained from you. At some point in life you have to take your decisions and direction by the horns and create a space to live and not just exist. There's a saying that says "Surely I was born to do more than work and pay bills". That is so true. So how do I live and not just exist? I am glad you asked. The key is to learn to breathe!!! Inhale and exhale. You haven't lived until you have learned to breathe. Anything living is breathing. That's why it's so important that babies cry when existing the womb and into the world. That cry clears the lungs and that cry denotes breathing; which confirms that the baby is living!!

You may need to cry to clear your lungs. It's ok! There's Kleenex for baby tears as well as adult tears. Crying is normal, pride is unhealthy. But once you've cleared your lungs and wiped your tears, it's time to Live and not just exist. Give that vision, life; that relationship, life; that ministry, life; your family, life; and so much more. So it failed before. No it didn't fail, that strategy just was befitting for that plan.

Try again! It's time to get rid of or walk away from what's not giving YOU life. Whatever isn't giving life is lingering and you can't afford to linger. Be mindful of your environment, it may not be conducive to positive living. Toxic environment and connections give off toxic air; which is more fatal and worse than second hand smoke. For those who feel like they have passed slap out due to past trauma(s), that have caused you to stop breathing, today we administer CPR to you. We are our sisters and brothers keeper. You will live again. You were create for so much more. Inhale. Exhale. Live the life that's worth living.

- Melody Joy

Connect with Melody:

Website:www.stilettoauthority.org 

Twitter Handle:@melodyjoy_ 

Instagram Handle:@stiletto_authority 

Facebook Handle:Melody Joy (Stiletto Authority) 

Linked In:Melody France