You are now being logged in using your Facebook credentials
Allstate Gospel Superfest Battle of the Bands New Talent Search to Return in August!

Allstate Gospel Superfest Battle of the Bands New Talent Search to Return in August!

Producers of the Allstate Gospel Superfest

The Allstate Gospel Superfest Battle of the Bands New Talent Search to Return in August!- Jacksonville, Memphis & Washington, DC Chosen to Host the 2014 Competitions -(BLACK PR WIRE) – Cincinnati, OH – Producers of the Allstate Gospel Superfest will conduct its sixth annual new talent initiative in three major U.S. cities this coming…

Read More...
Dorothy Buckhanan Wilson Installed as International President of Alpha Kappa Alpha Sorority, Incorporated

Dorothy Buckhanan Wilson Installed as International President of Alpha Kappa Alpha Sorority, Incorporated

Charlotte, NC (BlackPR.com)

Dorothy Buckhanan Wilson of Milwaukee, Wisconsin, a business executive, was installed as the 2014-2018 International President of Alpha Kappa Alpha Sorority, Incorporated (AKA)

Read More...
Nielsen Expands Communications Leadership Team with Key Media Relations Hire

Nielsen Expands Communications Leadership Team with Key Media Relations Hire

New York (BlackPR.com)

New York (BlackPR.com) -- Nielsen today announced that Andrew McCaskill has joined Nielsen as Senior Vice President, Corporate Communications. He will report to Chief Communications Officer Laura Nelson.

Read More...
Voter Suppression: It’s Mobilization Time

Voter Suppression: It’s Mobilization Time

Written by Peter Grear

With this article we will start detailing the ingredients of a revisable action plan that needs comments and revisions as we move toward the Tuesday, November 4, 2014 General Election.  

Read More...
Las Vegas Comedian James Bean's Candid Account Of His Struggle With Suicide

Las Vegas Comedian James Bean's Candid Account Of His Struggle With Suicide

WHEN THE HUMOR IS GONE

James Bean has shown insight and understanding of the darkest moments of many people’s lives as well as ideas on how one could begin to create a life worth living even out of the depths of despair.” -– Rhonda Duncombe, LMFT, LADC

Read More...
Voter Suppression: NC Black Republican Advisory Board

Voter Suppression: NC Black Republican Advisory Board

Written by Peter Grear

Educate, Organize and Mobilize: I confess that I’m amazed. The Republican National Committee and the Republican Party of North Carolina announced last week that they have launched theNorth Carolina Black Advisory Board (BRAB) 

Read More...
Tips for Managing Stress in Your Life

Tips for Managing Stress in Your Life

Written by State Point

Stress is not only unpleasant; it can be overwhelming, ultimately preventing you from solving the problems that caused the stress in the first place. But getting focused can help you feel happier and be more successful professionally, financially and in your relationships, say experts.

Read More...
Voter Suppression: Defeating it requires two massive efforts

Voter Suppression: Defeating it requires two massive efforts

Written by Peter Grear

For black voters, Benjamin Jealous expressed what I believe to be the critical message for black voters when he said that the best way to overcome massive voter suppression is through a massive wave of voter registration.  Thankfully, the NAACP is putting this theory into action through the Youth Organizing…

Read More...
Black Women are Taking Care of Business

Black Women are Taking Care of Business

Written by Freddie Allen

Instead of breaking the glass ceiling, Black women have increasingly started making their own. According to the Center for American Progress, an independent, nonpartisan progressive institute, Black women are the fastest-growing group of entrepreneurs in the country.

Read More...
Voter Suppression: Is it partisan?

Voter Suppression: Is it partisan?

Written by Peter Grear

Educate, Organize and Mobilize: I’ve been doing commentaries on our Campaign to Defeat Voter Suppression since November, 2013.  Because the right to vote is fundamental to our democracy, I’ve tried to promote a non-partisan theory of voter enfranchisement. 

Read More...
Why vote? ALEC and the Doctrine of Exclusion

Why vote? ALEC and the Doctrine of Exclusion

By Peter Grear

Educate, Organize and Mobilize: Frequently, in going forward it is imperative to examine your history.  In 1638 the Maryland Colony issued a public edict encouraging the separation of the races that became the public policy of America. 

Read More...
Download Greater Diversity News Digital PDF Edition for FREE

Download Greater Diversity News Digital PDF Edition for FREE

FREE Full PDF Edition includes stories not featured on the website

The FREE Full PDF Edition includes stories not featured on the website. No paper, no hasel, read on your laptop or mobile devices. 

Read More...
Frontpage Slideshow | Copyright © 2006-2011 JoomlaWorks Ltd.

Home Page

Your Money Really Matters

Written by By Michael G. Shinn, CFP on 27 May 2010.

Having free will, we are in constant conflict between our Having free will, we are in constant conflict between our needs and our wants. The battle continuously rages for our resources, our time and our relationships. The enemy is omnipresent and constantly attacks us. We are being subjected to a war withinourselves and we don’t even know who we are fighting. The casualties of these inner personal wars are all around us. They can appear as the  financially overextended or even bankrupted; they can be either stressed out, chemically dependent or even mentally ill; they can be in a family feud or divorce court or even end up on the police blotter.

What are Needs and Wants

The war zone is in our head, with our needs on one side and our wants on the other.Our needs are what it takes to survive. At the very basic level, human beings need air, water, food, shelter, clothing, relationships and the basic means to continue to survive. Our wants are everything else beyond our needs. As an example we might want clean air, champagne, gourmet food, designer clothes, relationships with the rich and famous and a prestigious job to support our lifestyle.

You are probably thinking that life in a modern society is more than just basic survival and should include some components of the so called “good life” and I agree. The issue is realistically distinguishing between our needs, relative to our position in life and our wants. As an example, let’s think about transportation. I have always wanted
a Mercedes S500, which costs about $120,000 new. I drive on average one hour per day and therefore my car sits in the garage the other twenty three hours. Now, why do I want that car?

Well, it’s prestigious, it has all the latest gadgets and a good friend of mine has one. However, even in this materialistic society, do I need it and is this a good use of my resources? The honest answer is NO!

Who is the Enemy?

The enemy brainwashes us every time we turn on the radio, TV, computer or open a newspaper, magazine, and even our own mail. The message is powerful and can transform our perceptions of wants into obsessive needs. But who is the enemy? The enemy is within us and it is our fear and greed. We fear being too old, too fat, to skinny,
unloved, unhappy- just add too or unto whatever you fear and you will find a product or service to address that fear. On the greed side we buy more and more things we don’t need to try and satisfy our desire to attempt to control our lives and those around us. In too many instances, we become slaves to our fears and greed. We buy
things that we don’t need, with money that we don’t have and for reasons that we don’t understand. Ultimately, the enemy prevents us from achieving our financial goals and it stifles our ability to achieve financial freedom.

Reduce the Conflict

It is nearly impossible to eliminate the conflict between our needs and wants, but it is possible to reduce it to a workable level.
* Establish and periodically review your family and financial goals. Your goals will keep you grounded and help you through those periods when you have to prioritize your financial decisions.
* Live in the moment. A lot of fear and anxiety can be overcome by taking care of today and not worrying about the past or tomorrow.
* Pay yourself first and live on the rest. Setup payroll deductions and automatic checking account payments for your savings and investment plans.
* Sleep on it before making any major purchases over $500. Are there lower cost alternatives to buying the product or service---renting, borrowing, etc?
* If you have to use your credit card, can you pay off the credit card bill within 30 days?

The conflict between our needs and wants will rage on. However, because we do have free will, we have the ability to fight the enemy within us and move forward toward achieving our family and financial goals. Michael G. Shinn, CFP, Registered Representative of and securities and investment advisory services offered through Financial Network Investment Corporation, member SIPC. Visit www.shinnfinancial.com for more information or to send your comments or questions to shinnm@financialnetwork.com. (c) Michael G. Shinn 2010.

GDN Link Exchange