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RTT14
Re Think -et Trinket Be Bold! Stay Beautiful!
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The company is Re Think-et Trinket and its passion is creating. Our job is to get one of these unique creations to you.
What do I do? The answer is that I create wearable art. Some call it jewelry but I prefer the term wearable art. Many ask why that term? It is very simple, because my pieces are creations formed in my mind. The process is an orchestrated vision that comes to life as a tangible, wearable object of beauty. I do this by creating with crystal, glass, stone and surgical stainless steel.
I have created 4 collections to date. They are; Maxloutwo, Willie D., Carlos E, and The at The Cross Collection. My at the Cross Collection was created for a Christian Book Store, all my other lines represent my family.
Re Think-et Trinket was created on the unforgettable date of June 2nd, 2014. I say this for the simple reason it was conceived in my mind a few months prior to me placing the business on paper and clearly seeing my vision for the company. One thing I do know is the vision and the creating is a gift from above.
June 2nd, 2014 was one of the proudest moments in my life! My paperwork was completed, filed and the fees paid with ReThink-et Trinket’s name in print. A legitimate business, and it was my very own. It was such an exciting moment for me. I had an epiphany and realized that I alone am 100% responsible for the success or failure. Even in difficult times and yes, there are plenty.
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In the last 5 years I have laughed at things I should cry over and cried about things I have absolutely no control over. Talk about mixed emotions during this journey! I have even asked myself what sense does that make? None, however, it happens, and I embrace it. Those moments do not happen as much now as in the beginning, but I still have my moments.
CEO, Boss Lady, Girl Boss, entrepreneur, small business- owner, all these titles come with a hefty price. Both emotionally and financially. All lessons learned are steppingstones for me to climb higher and achieve the goals set for the company.
What are my dreams and goals? My dream is to have ReThink-et Trinket in boutiques, gift shops, big box stores all over the country. I dream of standing in line and noticing the lady in front of me wearing a pair of ReThink-et Trinket earrings. I imagine gazing at the television and noticing a bracelet on the weather lady created by me. These are just a few of my dreams! My Goal is to stay on track and build the business to a higher level of success!
Here at ReThink-et Trinket, we are forever creating and never duplicating. Can I share a bit of advice? Never give up your dreams, stay focused and be bold. Always stay beautiful not just physically but spiritually as well. Never surrender, and never be ordinary! We are ReThink-et Trinket! Quality handcrafted one of a kind creations. Visit our online store www.rethinkettrinket.com EXPERIENCE THE PIECE!
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1115 Garvin Place, Louisville, KY 40203, Phone: 502.276.0660
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Embracing Community Capital and Crowdfunding Community Capital and How It Impacts the Black Community
Community Capital solves a fundamental problem — The Untied States economy doesn’t work for everybody, it works great for a very small group of well connected, wealthy, and powerful people, but works very poorly for the rest of the people especially the Black community. How do regular and ordinary people take back the economy and make it work for them? Community Capital is a way to take back the economy and make it work for everybody. The winner takes it all economic paradigm is on the collapse and community capital is one emerging paradigm to replace the old economy. Community Capital provides an opportunity for every group of people to invest, to profit, to own, and to engage in the civic discourse in the community where they live, and become socially, politically, and economically empowered! The goal is to have everyone participate in the economy as investors and not just workers and consumers. If your role in the economy is simply as a worker you are feeding labor into the machine or if you are only a consumer then you are not getting a benefit for your input. The only way to be fully invested in the economy is as an investor or business owner. Equity Crowdfunding In this age of wealth inequality, runaway development and gentrification, it’s easy for communities to feel powerless in the face of rapid change. Linda P. Smith founded Buy
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The Block, a real estate crowdfunding portal and the first portal that is African Americanowned, to help change that dynamic. A revolution in early stage finance is changing the way inner-city African-American communities relate to capital formation, real estate development, entrepreneurship, and job creation. The JOBS Act, is transforming how early stage investing and community economic development works. Buy The Block has created the infrastructure for the AfricanAmerican community to shift some of the $1.3 trillion we have in purchasing power to small Black-owned businesses, inner-city real estate development, and tech businesses that lack access to capital to grow and prosper.” Buy The Block offers an alternative financing source for developers and entrepreneurs and allows the community to be the financiers for these community deals. As investors, we don’t always necessarily get access to the deals XYZ developer that we’ve never seen or heard of before comes in and before you know it, the whole neighborhood gets turned around. Buy The Block, allows individuals to play a role in their community. They can actually see their money being put to work, and potentially get a return or interest. Even a single $100 or $500 investment in an apartment complex in Detroit, for example, can help to turn a block and a community around. There is empowerment in it. ProjectCrowd At ProjectCrowd, we are not only looking to level the “financial capital” playing field but by empowering aspiring African-American business owners and real estate developers through crowdfunding and community capital. But, we’re also trying to level the “social capital” playing field by connecting these same business owners and developers to the crowd. Understanding Crowdfunding Our goal, at ProjectCrowd, is to create a new paradigm where investors become customers and brand advocates for the local businesses and real estate development where they invest their time, talent, and treasure. We want to create investors that become customers of the businesses they have invested in and promote their brands on social media, provide business advice, or make valuable connections to potential suppliers, customers, or business partners. We are excited about the potential of crowdfunding and community capital to significantly strengthen our entrepreneurs and developers’ social capital over time. ProjectCrowd is creating an economy where everybody has the opportunity to invest on a level playing field. Ownership is core to power and when everybody has the opportunity to invest and own something in their community they are empowered and will become more civically engaged in their community. The Buy Black Imperative Businesses drive our communities and the economies of those communities, which is why supporting local establishments is so important. Black people overwhelmingly do not support Black-owned businesses, which in turn don’t support the communities
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where Black-owned businesses and Black people reside. Unlike other races and cultures such as the Jewish, Hispanic and Asian communities, which vigorously support one another’s businesses Black-owned business don’t get the same support within our community. Equity Crowdfunding allows all people but especially Black people of the United States to invest in our own businesses and to increase the longevity and influence within our community. Invest Black Buy Black
Supporting Black-owned businesses will create jobs, build wealth, build up communities and provide economic prosperity. In turn, this can help decrease crime by infusing money into communities, which can then support schools, libraries and community centers. The children of that community — and of all communities — who grow up seeing businesses owned by all races will understand there is a level playing field in the world of entrepreneurship and that everyone has access to the American dream. Don’t our children deserve to live in a world where diversity shown in every facet of our communities? The Benefits of Crowdfunding Both rewards and equity crowdfunding offer a wide range of advantages over traditional business financing. With benefits ranging from a wider pool of potential investors to more nimble fundraising options, crowdfunding is going to continue to evolve into more
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popular, and more powerful funding method for startups, local businesses, and innercity real estate development. Though funding is almost always the main goal of a crowdfunding campaign, it can also be a fantastic way to gain visibility, validate your business, grow your customer base, and more. It’s more efficient than traditional fundraising When you’re an early-stage company, local retail business, or real estate development focused on building your business and attracting seed capital, you might not be able to afford all the time and attention that pursuing traditional financing demands. Compared to applying for a loan or seeking out accredited investors yourself, setting up a successful crowdfunding campaign on an equity crowdfunding platform is far more efficient and effective in getting your message out to the right people. With the right platform, you can tell your business’ story, produce a quick video, set up some enticing rewards, and benefit from having everything in one centralized location where potential backers can find you. It’s a place to build traction, social, proof, and validation A strong, highly visible crowdfunding campaign can provide validation and social proof that’s vital in charting your path forward. When potential customers show interest in your startup’s product or service, you’ve generated social proof—demonstrating that other people believe in what you’re doing. Once early adopters vet and buy into your idea, others are more likely to follow suit. Social proof is translated into traction—whether it’s a large number of backers, pre-orders, or media attention—that’s invaluable as you pitch to other investors. It’s an opportunity for crowdsourced brainstorming to refine your idea Hear your would-be backers poking holes in your business plan or asking some tough questions? Take it in stride and accept it as free, crowdsourced brainstorming. The basis of a startup is finding some important, unmet need that your customers have, and deciding to be the one to do something about it. Thus, it’s important to seize any opportunity for customer feedback and consider it in planning your startup. One of the greatest things about crowdfunding is how close it gets you to your customers, giving you a chance to engage them and field questions, complaints, feedback, and ideas. You never know—your company’s next great idea could come from somebody who is a staunch member of your crowd. It gains you early adopters and loyal brand advocates The people that power your idea’s social proof are your early adopters and potential brand advocates. They’re the people who believe in your story, product, or service, enough to stake their money on its longevity and long-term success. These early adopters are key to the success of your crowdfunding campaign and the momentum you keep after closing, being the ones most likely to share your vision with friends and family and promote it through their social networks.
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It doubles as marketing and media exposure Press coverage will create more eyes on your campaign and create lasting brand awareness for your business. This can come in the form of a feature story on a popular news station, blog, or print publication, and is a great way to bring in backers outside of your personal network. A good feature story or Twitter mention can create a powerful snowball effect, putting you in touch with major investors you might not have otherwise reached. Whether they read about your new product or development on a popular blog or hear about your innovative campaign from a friend, a successful crowdfunding campaign is a great way to capture new investor interest. Crowdfunding has grown into an excellent way for entrepreneurs, local business owners, real estate developers, and early-stage companies to validate their business, find capital, engage early adopters, and get the exposure they need to grow. To recap, some of the most powerful ways a crowdfunding campaign can help build more startup momentum than other financing methods are: It’s more efficient than traditional fundraising. It generates traction, social proof, and validation. It’s an opportunity for crowdsourced brainstorming to refine your idea. It gains you, early adopters and loyal advocates. It doubles as marketing and media exposure. Why Crowdfunding for the Black Community Crowdfunding is essentially the opposite of the mainstream approach to business finance. Traditionally, if you want to raise capital to start a business, launch a new product, or develop real estate you would need to pack up your business plan, market research, and prototypes, and then shop your idea around to a limited pool or wealthy individuals or institutions.
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The Realities of Traditional Funding for Blacks
These funding sources included banks, angel investors, and venture capital firms, really limiting your options to a few key players. In the Black community, the number of Black founders obtaining funding from these sources is dismal at best. Black Americans’ entrepreneurial experiences contrast dramatically with these groups. Modern disadvantages experienced by Blacks include racial segregation, low levels of earnings, lack of wealth, poor education, lack of experience in operating a business, employer discrimination and difficulty in getting a loan. The Impact of the Racial Wealth Gap In April 2000, a congressional study found that “Most banks largely ignored AfricanAmerican neighborhoods, even those with above-average incomes,” forcing many Blacks to depend on expensive and abusive lenders. In addition, while the average white family’s wealth in 2009 was $113,000, the average black family’s wealth was a fraction of that, $5,700. These liabilities make it harder for blacks than other groups to obtain loans, lines of credits and other financial services which are crucial to starting and running a business.
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The Advantages of Crowdfunding You can think of this fundraising approach as a funnel, with you and your pitch at the wide end and your audience of investors at the closed end. Fail to point that funnel at the right investor or firm at the right time, and that’s your time and money lost. Crowdfunding platforms, on the other hand, turns that funnel upside down. By giving, the entrepreneur, a single platform to build, showcase, and share their pitch resources. This approach dramatically streamlines the traditional model. With crowdfunding, it’s much easier for you to get your opportunity in front of more interested parties and give them more ways to help grow your business, from investing thousands in exchange for equity to contributing $20 in exchange for a first-run product or other rewards. What Is Crowdfunding The passing of President Obama’s JOBS Act in April 2012 ushered in crowdfunding as the word of the day. While this concept has arguably been around for centuries, it is still formally recognized as a new industry to many consumers, particularly those outside the United States. Crowdfunding is, by definition, “the practice of funding a project or venture by raising many small amounts of money from a large number of people, typically via the Internet.” Why Crowdfunding Developed There is a seemingly nonstop global recession, and small businesses are struggling more than ever to stay afloat, and entrepreneurs are facing terrible odds. Small businesses finding capital for expansion from the banking industry has been unfeasible for the last seven years, and startups finding the needed funding in the more traditional venues of Angel Investors or VCs seems to be impossible. But, in this financial environment Crowdfunding offers these individuals an increased probability of success by showcasing their businesses and projects to the entire world via the Internet and social media. How Crowdfunding Works There are numerous crowdfunding platforms where consumers can safely ask for or donate money. While each site offers their unique culture, the general concept is the same across the board. Project creators can create a profile typically containing a short video, an introduction to their project, a list of rewards per donation, and some text and images to elaborate. The idea is to create a compelling message that will resonate with the readers. Why Crowdfunding Works The idea of “it’s not what you do, but why you do it,” is the message that drives crowdfunding. By focusing on a bigger purpose, the impact of a brand or project will be able to create a unique community of like-minded individuals. Each campaign is set for
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a goal (a publicly stated amount of money) and a fixed number of days. Once the project is launched, each day will be counted down and the money raised will be tallied up for visitors to follow its success. How It Works in Practice Instead of traditional investors, crowdfunding campaigns are funded by the general public. Typically, most successful projects receive about 25-40% of their revenue from their first, second and third degree of connections. This could include friends, family, work acquaintances, or anyone that the owner is connected to, including their second and third-degree connections. Once a project has seen some traction, unrelated consumers start coming out of the woodwork to support campaigns they believe in. The Reality of Crowdfunding There is a huge misconception that creating a successful crowdfunding campaign is as simple as hitting submit and waiting for it to go viral. While this has happened to many brands, the vast majority of projects require an immense amount of marketing and management skill and phenomenal effort on the part of the project creator. Utilizing social media, creating email distribution lists before the project launches, contacting local media, are all necessary steps to take if you are serious about your goal. Remember, this is not a platform to ask for a handout. If you expect people to join your cause, you had better be prepared to prove your salt.
The Power of the Crowd
The 2012 JOBS Act and digital communication tools have ushered in the age of the crowd economy where platforms like Buy the Block allow African-Americans to invest with their peers to provide the needed capital to support Black entrepreneurs and
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real estate developers by investing with our peers. Black people in the United States have a combined purchasing power of $1.3 trillion which would make us the 13th largest economy in the world, yet our wealth is encroaching zero as our income and education attainment continue to rise. We must as a community, embrace the crowd economy pool our immense financial resources through impact investing, crowd investing, and entrepreneurship to create companies and build inter-generational wealth. What is an Investment Club Investment clubs are a great idea for Black professional organizations and Black churches. Why do I say this? A lot of people that are new to investing don’t want to go it alone so joining or creating an investment club provides the structure to build confidence and investment knowledge for people that don’t have a lot of investment experience. An investment club consists of members who study stocks, bonds, real estate, and private placement investments. The goal is to have each member take an industry and report to the group why they think it is a great investment. Many times they will pool their money together in order to make joint investment decisions. Crowdfunding Has Opened the World of Private Placement Crowdfunding will allow tens of millions of ordinary people will be able to buy shares in startups and early-stage companies online. This is a dramatic departure from the restrictive rules that U.S. investors and entrepreneurs had lived under since 1933. The deals that make equity offerings will be the same kinds of deals that have been making equity offerings to angel investors for decades, through more traditional financing channels. Many of the deals that have raised all the money they can from founders, family, and friends (the three Fs) and still need capital to grow, but are still too small to attract the interest of commercial banks and venture capital firms. Will now be available crowd investors at a much earlier stage which increases the risk, but also increases the potential reward? Real Estate Investing Through Crowd Investing Entrepreneur Lynn P. Smith is the founder and CEO at Buy The Block one of the only Black-owned platforms in the country that is dedicated to making investments in real estate as a group more accessible. The movement is presently on its way to recording massive success in funding for diverse development projects across Black communities in the US. This enviable initiative offers every Black American an opportunity to invest as little as $100, and connect with other investors – with an added advantage of helping every member buy a piece of their first block. With the platform, acquiring property or block of choice in one’s local area is achievable. Getting the funds to make such a big difference can also be without hassles. Leading the Way through Policy and Technology
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The ability to share wealth depending on each person’s investment makes it a win-win situation for all block investors. With the focus on the Black communities in America, Buy the Block is on track to raise millions of dollars in funding for development projects in these communities. Having the capacity to take on more significant projects and contracts, Buy the Block believes that they will soon change the face of crowdfunding real estate investing in the country and the wealth building process for Black America. The first African American-owned crowdfunding portal, its symbolic power, and economic potential are undeniable, especially in the commercial real estate. Buy the Block creates a revolution in early-stage finance that is changing the way inner-city African-American communities relate to capital formation, real estate development, entrepreneurship, and job creation.
Black Professionals Organizations
There are many Black Professional organizations that have hundreds of thousands of members if not a million members. These organizations are not only helpful for AfricanAmericans to learn to navigate in their professions, but they could be the very foundation of creating investment clubs. The associations already exist all they have to
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do is form the clubs and begin investing via crowd investing. For example, the Association of Black Accounts has over 200,000 members. If we are to make a move toward economic and political empowerment as a group then the path is being blazed by crowd economy entrepreneurs. The Black Church Annually Black Churches rack in over $14 billion tax-free, yet this demographic data has grown worse as time moves forward into the future. In many Black neighborhoods, there is a church on many corners (sometimes 3-4 per block), a liquor store, and businesses that aren’t owned by Blacks. These businesses that are not Black-owned plague our communities in many ways. The majority of people that live in the Black community don’t own the place where they reside. With a goal to build wealth and community equity using Regulation Crowdfunding and impact investing. The Black Church has a significant role in making this goal a reality. One way forward is to form investment clubs inside of Black churches that use crowdfunding and crowd investing to empower the community both politically and economically. There must be accountability of the money to improve the situation of the people through the crowd economy. Takeaway The United States has been and continues to be very hostile to Black people and in response to this high level of state-sponsored hostility, many African-American professionals have formed their own associations. These associations provide a path forward for young professionals and the opportunity to find mentors, but in the age of the crowd economy, there is an opportunity for these same associations to create investment clubs that will allow group investment in Black-owned businesses and real estate development through crowd investment. The Black Church has a long history of providing guidance for the Black community. The Black Church was one of the primary institutions that taught the former slaves how to take full advantage of their new freedom and US citizenship. During the Civil Rights era the Church led the way in the fight for full citizenship, and today the Black Church must take its place as the leader in the fight for economic empowerment through crowd investing for business and real estate development.
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