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The San Diego Monitor
THE MILLIONAIRE PROFILE Do You Fit the Mold?
T
he general premise of The Millionaire Next Door is that the pop culture concept of a millionaire is quite false and that most actual millionaires live a very simple lifestyle. The authors, Stanley and Danko, did extensive profiling of people whose net worth defined them as millionaires along with those whose salaries and age defined them as likely millionaires and, using this data, created a detailed profile of who exactly a typical millionaire is. From there, extensive interviews with these “typical” millionaires created a much more detailed picture of what it actually means to be a millionaire in today’s society. Many people who earn high incomes are not rich, the authors warn. Most people with high incomes fail to accumulate any lasting wealth. They live hyperconsumer lifestyles, spending their money as fast as they earn it. In order to accumulate wealth, in order to become rich, one must not only earn a lot (play “good offense”, according to Stanley and Danko), but also develop frugal habits (play “good defense”). Most books focus on only one side of the wealth equation: spending less or earning more. It’s refreshing to read a book that makes it clear that both are required to succeed. It’s as if people can be classified based on the following table (which is my own invention based on the authors’ findings): High Income Low Income Frugal wealthy breaking even (spartan) Spender breaking even (lavish) broke High-income spenders live in a house of a cards. Sure they have the money now to fund their hyperconsumer lifestyle, but what happens when that money goes away? It’s also difficult for low-income frugal folks to acquire wealth.
They need to learn to play financial “offense”. But those with low incomes who spend are in the biggest trouble of all. The wealthy, on the other hand, generally have a high income and a frugal mindset. They share other characteristics as well. 80% of America’s millionaires are first-generation rich. This is contrary to those who would have you believe that wealth is usually inherited. 20% of millionaires are retired 50% of millionaires own a business The authors write, “In the course of our investigations, we discovered seven common denominators among those who successfully build wealth.” Those characteristics are: They live well below their means. In general, millionaires are frugal. Not only do they self-identify as frugal, they actually live the life. They take extraordinary steps to save money. They don’t live lavish lifestyles. They’re willing to pay for quality, but not for image. They allocate their time, energy, and money efficiently, in ways conducive to building wealth. Millionaires budget. They also plan their investments. They begin earning and investing early in life. The authors note that “there is an inverse relationship between the time spent purchasing luxury items such as cars and clothes and the time spent planning one’s financial future”. In other words, the more time someone spends buying things that look good, the less time they spend on personal finance. They believe that financial independence is more important than displaying high social status. The authors spend far too much time beating home this point: usually millionaires don’t have fancy cars. They drive mundane domestic models, and they keep them for years. (There’s an entire 31-page chapter devoted to how millionaires shop for cars. It’s tedious. It may be the worst chapter I’ve ever read in any personal finance book. And the authors go on ad nauseum about the average price per pound of various vehicles. There’s even an appendix showing the average price-perpound for the most popular models.) Their parents did not provide economic outpatient care. That is, most millionaires were not financially supported by their parents. The authors’ research indicates that “the more dollars adult children receive [from their parents], the fewer they accumulate, while those who are given fewer dollars accumulate more”. Their adult children are economically self-sufficient. This chapter is fascinating. The authors clearly believe that
giving money to adult children damages their ability to succeed. They are proficient in targeting market opportunities. “Very often those who supply the affluent become wealthy themselves.” The authors discuss how one of the best ways to make money is to sell products or services to those who already have money. They list a number of occupations they feel have long-term potential in this area. They chose the right occupation. “Self-employed people are four times more likely to be millionaires than those who work for others.” There is no magic list of businesses from which wealth is derived — people can be successful with any type of business. In fact, most millionaire business owners make their money in “dull-normal” industries. They build cabinets. They sell shoes. They’re dentists. They own bowling alleys. They make boxes. There’s no magic bullet.
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Barbara McKinne: “The First Lady” of St. Stephens Cathedral COGIC
B
arbara McKinney is new to our community, she has been here almost three years by way of marriage to Bishop George Dallas McKinney. A practicing attorney from Texas, Barbara McKinney has settled into her new life as “The First Lady” of St. Stephens Cathedral Church of God In Christ, here in San Diego. On any given Sunday morning you can find this gracious woman of God at the St. Stephens Cathedral Church where her husband is the world renowned Bishop George Dallas McKinney. When asked how her transition into the role of First Lady has gone, Barbara McKinney responds, “when I was preparing to leave for San Diego, I ask my Pastor for advice and he said, “just love the people”” and that’s exactly what she has done making her transition a smooth one. The role of a First Lady in the COGIC church is traditionally that of one who sits pretty beside her husband and wears big hats. Barbara McKinney avoided this typical stereotype, and instead she has taken on a role of standing with her husband and working with him in the church and the community to make a positive difference in peoples lives. She is a native of Wichita, Kansas and has lived most of her life in the Dallas metroplex. A definition given to us by Webster’s dictionary defines First Lady as: A woman who has great importance, influence, or success; and this is Barbara McKinney. Having received her Bachelor of Science degree from Kansas State University with a major in Sociology, she worked with the Department of Housing and Urban Development in Kansas City, Kansas. She went on to achieve her Masters Degree in Public Administration from the University of Missouri. After graduate school, she worked with a Housing Development Corporation and then moved on to South Bend Indiana to be a part of a national housing experiment being conducted by the Washington based RAND Corporation. The program was called the Housing Allowance Program, in the late 70’s, the RAND Corporation conducted an experiment called Section 8, trying to determine what would happen if people were given an opportunity to select their own housing versus living in public housing units. Barbara McKinney played an active role in this experiment. It was a success and exist today across this nation. While in South Bend Indiana, Barbara had a desire to continue her education and entered into the University of Notre Dame and pursued a law degree at Notre Dame Law School, where she received a Juris Doctor Degree. She worked as a Corporate attorney for Cummins Engine Company in Columbus Indiana before going into private practice in Dallas Texas. Barbara McKinney and Harold Calvin Ray (who is now Bishop Harold Calvin Ray of West Palm Beach, Florida) as Partners, started a private practice in Dallas. Later, Bishop Ray went on to West Palm Beach, and through Barbara’s compassion for people and the desire to give back to the community, Barbara started her own Law firm, BJ Warren and Associates, P.C. in the Dallas Texas inner-city, where she practiced for almost thirty years. “ When you work in the innercity particularly in the legal arena and you have a heart for people and their well being; giving back to the community just becomes a way of life” describes Barbara. While in Dallas, Barbara was very active with her church, she was a Sunday School teacher, member of the church’s board of trustees and active as well with the Texas Northeast Jurisdiction as a Trustee and Attorney for the Jurisdiction, under the leadership of Bishop J. Neaul Haynes. Whether in Dallas or San Diego Barbara has purposed to inspire all who come in contact with her. Upon first meeting Mrs. McKinney I was in awe of her beautiful smile that could light up a room, but even more than that was the positive, radiant vibe felt as Barbara began to speak of the importance of higher education. As she stressed how important it is for African Americans to go to school and even more so to college, it was evident that higher education was dear to her heart. She began
to share how it was imbedded in her, that this is one thing no one can take from you. She lights up as she talks about the signature program of Trinity Chapter of Links Incorporated. Barbara was a member of the Trinity Chapter in Dallas. So SMAART is Trinity Chapter’s signature Youth Program. The acronym represents students Set on Science, Math, the Arts, Aviation, Reading, and Technology. It is a four year work force development program designed to focus on minority females, ages 9-12. This program was designed to expose young women to non traditional professions. Barbara indicated this was one of the most extremely rewarding programs she has ever been a part of. NASA’s Aviation Challenge is one of the nations’s premiere aviation camps. So SMAARTers attend the one week session in Alabama given hands on training in aerodynamics,, propulsion aeronautics and additional science and math topics. The Nel Fisher Maritime Heritage Society and Museum has offered tuition-free education for So SMAARTers during summer camps in Key West, Florida. These are just a few of the programs SO SMAARTers are exposed to. A tremendous program and so rewarding not
only to the participants but to the Members of Trinity Chapter as well. This is one of the areas Barbara McKinney misses very much. Barbara’s success as a lawyer eventually led her to serve as the first African American Judge and first Female Judge of the Municipal Court in Waxahachie Texas. She also serves on the Judiciary Board of the Church of God in Christ. Having been the first female ever elected to this position, it is the Supreme Court of this International Denomination. Because her position on the Judiciary Board is critical serving and representing over 5 million people through the Church of God In Christ, Barbara serves with the highest level of legal competency and accountability. She is also Counsel for the International Women’s Department of the Church of God In Christ. Whether in the courtroom or on the Judiciary Board, it can not be easily overlooked that Barbara is eminently qualified through education. Although she is heavily armed with confidence, educational degrees and professional accomplishments, Barbara yet remains humble and true to herself. She remains compassionate towards people and her community, which is clearly evident through her new
business venture. One of the decisions Barbara had to make was whether she would practice law in San Diego and because of her federal license, she has practiced some immigration law since she has been here. Taking into consideration her own personal challenges and struggles with diabetes, she explained she wanted to do something in the area of educating diabetics. This is an area in most cases, she said where people do not have to die if they knew how to take care of themselves. So she did some research and launched a company called, National Healthcare and Education Services (NHES), a company that has been accredited by the National Association of Diabetes Educators to teach diabetic education. The classes are presently being taught by a Certified Diabetic Educator and Registered Nurses. She also told me of her vision of NHES to provide an educational program that will help diabetic patients change their behavior; creating healthier lifestyles by managing diabetes and other chronic disease. Talking further with Mrs. McKinney about NHES it became clearly evident her desire to make a difference in our community. As she Continued on page 6
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SAN DIEGO MONITOR
The San Diego Monitor
Why Have Young Blacks Given Up on the Church?
Let’s give them something to talk about, Miss Maxine is back! So come on out and help me celebrate my birthday!
For the last few weeks we have been discussing the question of whether we are disconnected from God. We have received numerous phone calls about these editorials. This week I am asking: have we sent a message to our children that God may not be hearing our prayers? Yes we attend church on Sunday, we pray morning and night, but our children are jumping in the bed at night without prayer. They are jumping up in the morning and omitting prayers of thanks and pleas for guidance. Have our children given up on prayer? Or is it the prayer warriors, the religious leaders, that have exemplified such a bad example that our children no longer believe in the power of prayer? Now don’t get me wrong, young people love to sing in the choir and make music. A gentleman once said to me that an Indian American went to a Black church where there was much noise, as the music was roaring. When the church was over the pastor asked the man if he enjoyed the service. The Indian replied, “Oh yes, lots of dancing. Lots of thunder, but never any rain.” Yes, we go to church on Sunday morning, midday or Sunday evening, but are we getting the results? We can no longer get our children to go to church. They can sing and dance, but pop culture has stolen them away. The church is losing influence. I have asked our children why, and it’s because they see no difference between their own actions and those of their spiritual leaders. Parents and leaders alike have adopted the mantra, “Don’t do as I do. Just do as I say.”
EDITORIAL It’s coming back to haunt us. We can no longer ask our children to pray or to follow our Lord when we don’t do it ourselves. It is great to act sanctimonious, but do our children believe that the religious leaders are showing us God’s way? If religious leaders even still believe that, they’re certainly not living as such. Perhaps it’s time for us to take a look at ourselves to see what message we show our children? Until Next Week, Willie Morrow
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OMNILOGUE© - “All of us communicating with each other, so that we all come to a collective understanding, so that we all work toward the same goal.” ©
A PLAN “The Omnilogue” vision is one of a global community developing and prospering in unity…” Capital – Wealth Development: Sufficient stores - banks, credit unions, mutual funds, hedge funds, etc. – under the control of community members who have demonstrated their commitment to the community and understand how money works. Do not be afraid of wealth, or think of it as a bad word. Wealth is required for human development. It is the perspective on wealth and its purpose we must work on. The wealth of the world is for the world! Not for the individual. If the world is taken care of, all the individuals in the world are taken care of. Greed must be eliminated! A collective consciousness must be cultivated to encourage the African American family and village to pool our money. Whether a dollar a paycheck or $1000 a month or a $1,000,000 investment, African Americans must be educated to see the future economic success of our individual selves as intimately and inextricably connected to the success of our familial and communal selves. As long as People of African Descent in this hemisphere continue, for the foreseeable future, to face isolation and alienation from critical systems of this hemisphere’s cultural and societal values (sometimes called racism), we must unite as a family among families in the family of humanity to protect and defend our multi/intergenerational self interests. We have value in the human family that is worthy of preservation and cultivation. People of African Descent must re-establish family ties, and think in the interest of wealth accumulation for the benefit of future generations – our great-great-grandchildren. We must develop a plan that encompasses all of our children and rewards them fairly for their behavior that supports the future of the family. Myself, my sisters, and my brothers have to look at every child in the next generation and determine what policies and plans to put in place to serve their needs as best we can estimate them, with enough flexibility for the children to handle their business when they inherit those resources. They will not, under normal circumstances, inherit these resources until they have DEMONSTRATED their capacity to manage them in the interests of the generations to come. Greed and foolishness will destroy this process. Each generation, and each individual in each generation, must understand that “stacking chips” is not for the benefit of any one generation, or any one or small group of persons, to the detriment of another. For Africans in America to participate fully in the economy of America, and the world, we have to become inter-dependent with everyone else in the economy. But first, we must become economically independent. To do this we have to develop our own community-based economic infrastructure. This requires capital – and a plan. We have enough money in our community to do this. We just have to organize it for our own best interest, and for the best interests of our children, our grand children, our great grand children, and our great great grand children. I believe we can develop the Vision for this, and create a Plan. Peace. CMH
Residents split on southeastern San Diego Walmart, Target By Nathan Max SAN DIEGO — Residents from several southeastern San Diego communities were divided about whether to support bringing a Walmart or Target into their community during an open forum Tuesday night. Both big-box chains have expressed interest in opening a store at the approximately 8acre Hillside Property, which is north of Market Street and east of 47th street. Walmart hopes to build a 120,000-squarefoot two-story facility with surface and underground parking that would sell general merchandise and groceries. The size and look of a potential Target is still being discussed, residents were told. “This is a great place to have a retail center,” City Council President Tony Young told an audience of about 200 during his opening remarks. “This is a community that is deserving of this type of investment.” The forum was the first in a series of meetings to determine what to do with the open space. On Tuesday, residents ate a complimentary dinner, listened to a presentation, completed a questionnaire and then shared their opinions. Residents seemed about evenly split. Supporters said they liked the idea of having a place to shop in proximity of their homes. “Mom-and-pop stores have outrageous
MCKINNEY
“Cleanliness is next to Godliness”
Continued from page 3 advised me that the company’s primary classes will be held right here in our community in church’s, recreation centers, senior housing facilities and other places in the community. While the program is Nationally Accredited NHES is a program that is definitely needed locally. NHES recently celebrated its grand opening on February 3, 2011. The grand opening was attended by many community advocates who share in the vision of NHES to help people live a quality and healthy life. NHES wanted to celebrate those leaders in the community who have committed to healthy lifestyles and nutrition for families and children in the San Diego Community. During the Open House Certificates of Commendation where given to, Anthony Young, City Councilman 4th District and President of the San Diego City Council; Sheila Jackson, President of the San Diego Unified School Board; Dr. Wilma Wooten, M.D. M.P.H, President of the San Diego Society of the National Medical Association and the Health Officer for San Diego County; Fred Martinez, CEO of San Ysidro Health Center; and Rudolph Johnson, III, President and CEO of Neighborhood House Association. We commend these leaders in their fight to promote a healthier life style in our community. Barbara states NHES does recognize it takes time to change behavior and overcome a disease so complex as diabetes, she says, “our goal is for all participants to live a healthy and quality life. We recognize it
prices, and their fruits and vegetables aren’t that good,” Valencia Park resident Jack Williams, 68, said after the meeting. “They’re not fresh. I feel Walmart would do a better job getting better products for the neighborhood at a cheaper price.” Opponents had a variety of concerns, including traffic flow and congestion and the need to support small businesses. Some residents said they would prefer to see the land turned into a park, while others had different ideas. Julia Julina, a 17-year-old City Heights resident, said she would prefer to see a hospital or educational center instead of a big-box chain. “A quicker drive to Walmart is convenient, but a quicker drive to a hospital can save a life,” she said. Jerrett Gray, a 29-year-old Chollas View resident, said a Walmart or Target shouldn’t exploit the community.“I see their usefulness but they (need to) understand that they are there to serve us,” he said. “We’re not there to serve them.” There will be at least two and possibly three more community meetings on the subject, according to Jennifer Vanica, president and CEO of the Jacobs Family Foundation & Center for Neighborhood Innovation. The next meeting has not yet been scheduled. takes to time to change behavior, and that’s why we are committed to an extended follow-up program for at least 12 months after the initial year of diabetes education and follow up.” NHES could not have been launched without the hard work of the Sr. Vice President, Dr. Lorraine Johnson, Patrick McKinney, the Chief Financial Officer, Shanetha Buchanan, the Administrative Director and Simone Benham, RN. CDE, our Program Director. So from Law school to a newly inspired business, Barbara McKinney brings us back to one of Webster’s definitions of First Lady, that word is success, she continues to support and love her husband, church family and this community. She strives to inspire, influence the community, encourage higher education, promote and advocate for justice and educate through her business, and continuously strives for excellence through the life she lives. As she genuinely cares for others and their well being, and as Barbara has set the pace to strive for excellence she has given us a new meaning to First Lady. So back to Webster’s definition of First Lady: A woman who has great importance, influence and success; yes Barbara McKinney is married to Bishop McKinney which gives her the title First Lady by right, but she clearly exudes all of the attributes of a First Lady and has earned the title. San Diego’s own jewel our First Lady, Barbara McKinney. for more information please visit www. ststephenscogic.org to receive more info about National Health Care and Education Services, Diabetes program please call (619) 6775658 or visit on line at NHESonline.org.
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Lincoln’s top state ranking rare for San Diego boys basketball team By Steve Brand, Special to the U-T Jason Bryant got his wish. After the Lincoln High boys basketball team downed Cerritos Gahr last week in impressive fashion, 8352, the Hornets coach said the win — along with previous No.?1 Long Beach Poly losing — opened the door for Lincoln to be No.?1 in the state. CalHiSports agreed, making the Hornets, 31-1 and winners of 21 straight, the top-ranked team with Santa Ana Mater Dei and Poly right behind. “It’s great. It’s an honor,” said Bryant, who is preparing his team to defend its Southern California Regional championship against Fontana Summit at 4 p.m. Saturday at USC’s Galen Center. “There are a lot of good teams in the state, but I definitely believe we deserve it. There have been good teams in the past, like Horizon, but it’s much more difficult to be No.?1 in Division IV or V. Being in Division II helped us.” What also helped the Hornets was beating Corona Centennial earlier in the season. It was Centennial that John R. McCutchen stunned Mater Dei in the Southern Lincoln sophomore Tyree Robinson and the Hornets will Section championships before Mater defend their Southern California Regional Division II title Dei upset Poly last week. No San Diego boys basketball Saturday against Fontana Summit. team has been ranked No.?1 during the season since state playoffs started in 1983. The Point Loma girls, winners of four straight titles from 1984-87, were No.?1 in 1986 and ’87. The last San Diego team to be No.?1 at the end of the year in the CalHiSports state rankings was Hoover’s 1945 club. Lincoln’s No. 1 ranking was not unanimous. MaxPreps left the Hive at No.?3 behind Mater Dei and Poly. Furthermore, the Hornets could win the regional and still drop to No.?2 in CalHiSports if Mater Dei can avenge the loss to Centennial in the Division I regional championship game Saturday. In the national rankings, Lincoln stands No.?7 in MaxPreps’ Xcellent 25, No.?9 in MaxPreps’ computer-generated Freeman Rankings and No.?10 in ESPN’s Powerade Fab 50. The only other San Diego Section team still competing in the state playoffs is the La Jolla Country Day girls. The Torreys will play L.A. Windward in the SoCal Regional Division IV final at 5 p.m. Saturday at Ontario Colony High.
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Reality TV and the SAT: Did students miss the point of the essay question? By Lylah M. Alphonse Students, parents, and school officials are crying foul over an essay question on last Saturday's SAT college admissions test, in which test-takers were asked to consider the merits, if any, of reality television. "I know basically nothing about reality TV, so I just had to talk about the few shows that I did know about and their effects on long-term mentality. Ugh," one student wrote on the discussion boards at College Confidential. Another student quipped: "i wrote about Man vs. Wild and MTV 'made.' One of my friends who is reallllly smart doesn't have cable, so i wonder how it fared for him." But people who are outraged about the issue may be missing the point: The essay is supposed to evaluate the test-taker's writing skills, not his or her knowledge of a topic. To that end, there was more than enough information provided in the question prompt for students to pick a side—
you didn't need to watch "Jersey Shore" or "The Bachelor" in order to answer it. Here's the actual essay prompt: “Reality television programs, which feature real people engaged in real activities rather than professional actors performing scripted scenes, are increasingly popular. These shows depict ordinary people competing in everything from singing and dancing to losing weight, or just living their everyday lives. Most people believe that the reality these shows portray is authentic, but they are being misled. How authentic can these shows be when producers design challenges for the participants and then editors alter filmed scenes? “Do people benefit from forms of entertainment that show so-called reality, or are such forms of entertainment harmful?” Not every test taker received the same essay prompt; some opened up their tests to find a question about whether photography represents
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real life of just a photographer's point of view. Students have 25 minutes to complete the essay, which counts for 30 percent of the overall writing-section score (grammar questions count for the other 70 percent). The writing section was added in 2005 and is worth a total of 800 points, bringing the highest possible SAT score up to 2,400. “The central task of the SAT essay is to take one side of an issue and develop an argument to support that position," Laurence Bunin, senior vice president for operations and the general manager of the SAT Program at the College Board, said in a statement. "If presented with a topic about balancing the risk of climbing a mountain with the reward of reaching the summit, for example, a good writer could compose a strong essay without ever having reached the summit of Mount Everest." “We acknowledge that not all students spend valuable hours watching reality television shows, nor are we recommending that students watch these programs," Bunin said. "However, we have found from our pretesting that students not only grasp but are quite interested in the underlying issues covered in the prompt: the effects of television on society; the desire for fame and celebrity on the part of “ordinary people”; the authenticity and value of various “real-
istic” representations (an issue central to the study of painting, film, drama and literature)." Perhaps students, having spent their high school years taking standardized test after standardized test, couldn't see that there's no one correct answer to the essay question. Or maybe the glow of Snooki's tan blinded them to the fact that the essay prompt wasn't about specific reality TV shows, but about authenticity and deception. In a SAT guide posted at College Confidential, Silverturtle, a senior member form Illinois, points out that "thoughtfulness and clarity of conception" don't matter much when it comes to the SAT essay section. "The graders will spend about two minutes (at most) on each essay, and the result is a rather shallow and formulaic analysis of your writing," Silverturtle writes. "They do, after all, have to get through hundreds of thousands of essays within a couple weeks." But maybe it's a moot point, anyway: In 2007, The College Board admitted that, according to its own research, 56 percent of 1,000 or so four-year colleges ignore the essay section of the SAT during the admissions process. “This is not great writing,” Deborah Shaver, the director of admissions at Smith College, told the Boston Globe. “These aren’t higher-level learning measures.”
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DON’T WALK AWAY FROM YOUR HOME!!! YOU NOW HAVE PROTECTION!!! THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS: SECTION 1. Section 580e is added to the Code of Civil Procedure, to read: (a) No judgment shall be rendered for any deficiency under a note secured by a first deed of trust or first mortgage for a dwelling of not more than four units, in any case in which the trustor or mortgagor sells the dwelling for less than the remaining amount of the indebtedness due at the time of sale with the written consent of the holder of the first deed of trust or first mortgage. Written consent of the holder of the first deed of trust or first mortgage to that sale shall obligate that holder to accept the sale proceeds as full payment and to fully discharge the remaining amount of the indebtedness on the first deed of trust or first mortgage. (b) If the trustor or mortgagor commits either fraud with respect to the sale of, or waste with respect to, the real property that secures the first deed of trust or first mortgage, this section shall not limit the ability of the holder of the first deed of trust or first mortgage to seek damages and use existing rights and remedies against the trustor or mortgagor or any third party for fraud or waste. (c) This section shall not apply if the trustor or mortgagor is a corporation or political subdivision of the state. Section 580e has been added to the California Code of Civil Procedure, effective January 1, 2011, and prohibits banks holding a first mortgage from approving a short sale and then pursuing the seller for a deficiency. SB931, which was signed into law on September 30, 2010, makes lenders accept the short sale proceeds as payment in full for a first mortgage secured by one to four units, providing the lender approves the short sale. SB931 protects homeowners and investors(it is not limited to consumer transactions, nor to homeowner occupied dwellings). Fortunately, I have short sales I am working with right now that will be able to benefit from this new law. I am going to close them as quickly as possible. You know the banks are going to try and find some legal way to get around this new law. If you are contemplating doing a short sale in California, you might want to put that home on the market during the first 3 months of this year. Some lawyers are predicting that once banks get up to speed, the law will be challenged. This law should eliminate many useless foreclosures. Remember when everyone was walking away from their mortgage when they could not get a good loan mod? This does not have to be the case anymore. As of now, homeowners who sell their homes with a short sale versus getting foreclosed on, could possibly purchase another home in about 18 months to 2 years. If credit is an issue, this should give you time to correct the problems. In a foreclosure situation, however, don’t expect to purchase another home for about 7 years. These time frames are not set in stone, and are on a case by case basis. I know of a couple who did a short sale and was able to purchase a new home within a year. This may not be typical. Let’s look at your situation. CONTACT US BEFORE THIS LAW IS REPEALED!!! Gloria M. Baker Parkwood Capital Inc. Direct:(619)770-7753 www.sandiegomlsdirect.com goseeglo@eparkwood.com DRE 01821017 NMLS 266509
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Retail Therapy: Does Sadness Mean Spending? It’s a practice so common it has come to be called retail therapy. And in a recent study, researchers uncovered evidence of what shopaholics have known for years — that people may be willing to spend more on themselves when they’re feeling sad. The study of 33 volunteers, to be published in the June 2008 edition of Psychological Science, found that feeling sad leads to self-centered thinking — and this, in turn, can lead to a greater likelihood of dropping extra cash on something to make you feel better. To reach their conclusions, a team of researchers from Carnegie Mellon, Harvard, Stanford and the University of Pittsburgh showed volunteers either a video clip that showed grief following a tragic death or a neutral clip from a nature show. Afterward, participants had the chance to purchase an ordinary item — a sporty water bottle. They found that people who’d watched the sad video clip offered an average of 300 percent more money for the item than those who had viewed the neutral clip. “The key contribution our paper adds to the literature is that a high degree of self-focus can carry over to spending,” says lead study author Cynthia Cryder, a graduate student at Carnegie Mellon University. Other psychological experts not directly involved with the research agree that the findings are interesting. “Many people go shopping when they feel a little down or badly about themselves,” says Nadine Kaslow, professor and chief psychologist at the Emory School of Medicine in Atlanta. “Shopping can temporarily take people’s minds off their troubles. Also, shopping for things we like can help us feel better about ourselves — for example, clothes make us feel we look better.” This is not the first study to show a sadness-spending link. “The two are related because they both deal with a way of filling up the emptiness inside that focuses on making their outside more attractive,” says Beverly Hills-based psychiatrist Dr. Carole Lieberman, whose research on compulsive shopping goes back to the mid-1980s. She has since appeared on the Oprah Winfrey show to discuss the phenomenon and penned the entry in the Encyclopedia Britannica explaining the behavior. “The way I discovered it was because I was treating a lot of eating disordered patients at the time, and found that after I cured their eating disorder, they developed a compulsive shopping disorder,” she said. But it may well be the first time that this connection has been studied in such a highly controlled experiment,
notes study co-author Jennifer Lerner, a professor at the Harvard John F. Kennedy School of Government. Still, psychological experts not affiliated with the study say more research may be needed to draw solid conclusions. “Tightly controlled experimental studies like this one offer unimpeachable evidence for the idea that emotions or thoughts influence spending behavior,” says Paul Duberstein, director of the Laboratory of Personality and Development at the University of Rochester School of Medicine and Dentistry. “Having said that, I am concerned that the authors’ interpretation of the data is not spot-on.” Specifically, Duberstein says, showing a video clip about death may have led to thoughts and emotions about death — feelings that are already known to increase the urge to spend. Cryder responds by noting that the controlled nature of the study ensures that sadness was the main emotion at play. “What we have measured is certainly sadness,” she says. From Crying to Buying Lieberman says there’s a strong rationale for the connection between sadness and spending. “People who are sad, miserable or depressed usually feel an emptiness inside,” Lieberman says. “So they engage in behaviors that fill up this emptiness, such as eating too much, drinking too much or spending too much.” The increased buying only occurs for sad people who are self-focused, Kaslow said. “In addition, it is the first project to that actually looks at what sad people might do financially to secure a commodity — that is, what buying decisions would they make. This is very relevant to the real world, where people have a bad day or time in their life, feel sad, and shop to feel better.” But Kaslow is also quick to point out that the findings most likely only apply to those people who are a bit down — not those who are clinically depressed. “When people are really depressed, they typically don’t have the energy or inclination to shop,” she says. Those who subscribe to the healing powers of retail therapy may do well to remember that overindulgence can cause a sad situation of a different sort — the kind that hits you right in the wallet. “Sometimes people shop beyond their means when they are stressed out and the bills then just add to further stress,” Kaslow says. Lerner says that she hopes the research will help people make better decisions when it comes to emotions and spending. “Consumers should make a habit of reevaluating the major purchases they’ve made to lower the probability that an emotional state caused their spending,” she says. “We would like to determine whether this purchasing actually makes them feel better. We suspect that even if it does make them feel better, it’s only in the short term.”
TOLD YOU HAVE TO WAIT 2 TO 3 YEARS TO PURCHASE A HOME RIGHT AFTER A SHORT SALE? NOT NECESSARILY! Call for more information. This is a pilot program and all interested homeowners need to contact us immediately! Here are just a couple of the criteria you need to be approved: • Must owe more on your present home than the actual market value • Must not have missed any payments • Your immediate purchase must be a smaller residence than your present one. Other criteria apply, and loan approval for the new property is on a case by case basis. To get additional information, email me at goseeglo@eparkwood.com, or call direct, (619) 770-7753. It’s worth it to you to find out if you qualify. STOP MAKING YOUR MORTGAGE PAYMENTS OUT OF YOUR SAVINGS OR RETIREMENT ACCOUNTS! GET BACK ON TRACK! GET ON WITH THE REST OF YOUR LIFE! THIS PROGRAM IS WHAT YOU HAVE BEEN WAITING FOR! Gloria M. Baker Parkwood Capital Inc. Direct: (619) 770-7753 goseeglo@eparkwood.com
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Have We Forgotten The Oath Of Hippocrates? Dr. Grady P. Anderson, Jr., M.D. To continue, last week I mentioned that the majority of healthcare professionals received a minimal instruction in Nutrition. This is true, as a matter of fact a colleague of mine who practices orthopedic surgery in Alabama spoke to me and informed me that he was considering going back to take some courses in nutrition. Now this is a person who finished medical school approximately 1970 or 1971. Now this is an excellent physician who finished med school over 40 years ago. The most important thing is that he has recognized that we may have not been taught all we needed to know. He is a very concerned physician and I know this because he is in private practice and takes time away from his office in order to keep abreast of new advances in his chosen area of expertise (out of the office means he is not generating any income to pay the BILLS). I looked forward to these meetings because we would compare notes on what works and what does not work. I can recall one of those side sessions when a friend of my family’s son who is also an orthopaedic surgeon and lives in Houston. He told me about a cure for a gram – infection of the bone caused by pseudomonas bacteria. You
can always tell when it is present because it has gives off a fruity odor and is green. His treatments was to cover the wound with sugar and watch the sed rate and when it was normal irrigate the wound with saline using what looks like a garden hose spray nozzle. This was followed by closure of the wound with large continuos suction drainage. The simple lesson here is; “Dilution is always the solution to pollution.” There is a lot of free advice around. One of them is a beer advertisement that says; “Someone knows more than you do! You should listen to them.” If you have purchased the I-Tunes CD by Dr. Blaylock as I recommended you would have heard him say that alcohol (ethanol) is the antidote to Aspartame poisoning. One or two beers works, but definitely not a six pack in just one sitting. You have got to use some commonsense. If you are lucky enough to have one of these doctors you are lucky because this physician takes the oath he took dates back millions of years. “First, do no harm.” Now the bad thing is that there are far too many physicians nationwide are closed-minded. You should think about this, would you continue to take your car to a mechanic who repeatedly wrongly repaired your car and charged you for his mistake. But we keep doing the same thing and expecting a better or different result. That is foolish thinking. There is a quote that says, “If you want something you have never had before, then you gotta to do something you have never done before.”
SD council invests $22M in city’s ragged roads By Robert J. Hawkins, UT The San Diego City Council took its show on the road today – approving nearly $22 million in asphalt paving and surface slurring for 121 miles of city streets to be completed before May 2012. The council picked up its contract extension option with SRM Contracting and Paving in the amount of $9,910,273 for the asphalt paving of 26 miles of city streets as well as upgrading 800 curb ramps with ADA compliant surfaces. The contract extension is a continuation of a contract issued in July 2010 for the same amount and carries the same unit prices and terms, according to a staff report. The council approved advertising for a collec-
tion of slurry seal projects that would cover 62 miles of streets at a cost not to exceed $8,014,837. The council also approved advertising for a second slurry sealing project, covering 33 miles of city streets for a cost not to exceed $ $4,040,000. “Our current backlog of needed infrastructure projects is estimated to be $800-$900 million. Reducing this backlog and preventing further deterioration of our streets and facilities is one of my highest priorities, so I am excited about today’s investment,” said Councilmember Todd Gloria, in a prepared statement. Gloria’s own District 3 gets 19 miles of repaired streets. See the link above for all streets receiving asphalt paving.
Health Net learned of security breach in January By Janet Lavelle, UNION-TRIBUNE Health Net discovered on Jan. 21 that several computer server drives had disappeared from its Rancho Cordova data center, according to information on a hotline the company activated Tuesday in the wake of the security breach. Health Net declined to release that information Monday when the insurer issued its first public announcement of the breach, which it said involved personal information for 1.9 million current and past enrollees. The state Department of Managed Health Care said 845,000 Californians may be affected. The Woodland Hills company said it will offer two years of free credit monitoring services and identity theft insurance for those affected. For information, visit www.HealthNet.com or call the hotline at (855) 434-8081. Health Net learned of the missing drives from IBM, the vendor that handles the insurance company’s information technology infrastructure. After a
forensic analysis, Health Net said it determined that personal information from former and current Health Net members, employees and health care providers is on the drives. The information may include names, addresses, Social Security numbers, health information and financial information, the company said. On Tuesday, state Insurance Commissioner Dave Jones said Health Net agreed to give his Department of Insurance the findings from its investigation. Jones said his department will analyze whether the company did all it could to avoid the breach and remedy the problem once it was discovered. The Department of Insurance regulates PPOs and other insurance products. The Department of Managed Health Care, the state’s watchdog agency for HMOs, said Monday that it has begun investigating Health Net’s security practices. Health Net spokesman Brad Kieffer said Tuesday the company has no new information to release.
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Experts: Radiation not a concern for West Coast LOS ANGELES — Government experts are keeping a close eye on any radioactive particles that could travel from Japan to the West Coast, but insist there's no threat to public health. "Radiation is one of those words that get everybody scared, like `plague,'" said Dr. Jonathan Fielding, director of public health for Los Angeles County. "But we're 5,000 miles away." Some computer models tracking the possible path of radioactive material from the stricken Japan nuclear reactors suggest it could cross the Pacific, swipe the Aleutian Islands and reach Southern California as early as Friday. Even if particles waft to the U.S. coast, the amount will be so diluted that it will not pose any health risk, officials say. Wind, rain and salt spray will help clean the air over the vast ocean between Japan and the United States. Nuclear experts say the main elements released are radioactive cesium and iodine. They can combine with the salt in sea water to become cesium chloride and sodium iodide, which are common and abundant elements and would readily dilute in the wide expanse of the Pacific, according to Steven Reese, director of the Radiation Center at Oregon State. "It is certainly not a threat in terms of human health" added William H. Miller, a professor of nuclear engineering at the University of Missouri. Earlier this week, the U.S. Environmental Protection Agency deployed extra radiation detectors throughout the country to allay public concerns. On Thursday, President Barack Obama said "harmful levels" of radiation from the damaged Japanese nuclear plant are not expected to reach the U.S. The radiation stations will send real time data via satellite to EPA officials, who will make the data available to the public online. The monitors also contain two types of air filters that detect any radioactive particles and are mailed to EPA's data center in Alabama. That information, as well as samples that numerous federal agencies are collecting on the ground and in the air in Japan, also will be sent to the Department of Energy's atmospheric radioactivity monitoring center in California, where teams are creating sophisticated computer models to predict how radioactive releases at Fukushima could spread into the atmosphere.
Inside Lawrence Livermore National Laboratory near San Francisco, scientists, engineers, and meteorological experts were analyzing those charts and maps to help policymakers predict where radioactive isotopes could travel. "The models show what happens if the situation gets worse, if the winds change, or if it rains to predict what could happen," National Nuclear Security Administration spokesman Damien LaVera said. "The Nuclear Regulatory Commission has said they see no radiation at harmful levels reaching the United States, and we're not seeing anything that is inconsistent with that." An arm of the United Nations earlier this week made a forecast of the possible trajectory of the radioactive fallout from Japan. The forecast only showed how it might move, but does not have information about radiation levels. On Thursday, air quality regulators in Southern California said they have not detected increased levels of radiation. "So far there's nothing out of the ordinary," said Sam Atwood of the South Coast Air Quality Management District. The agency is continuing to monitor radiation levels at its three stations every hour and planned to post daily updates on its website. In the unlikely event that the situation escalates, the California Emergency Management Agency would coordinate emergency response efforts with state public health officials and local officials. "Worst-case scenario, there is no threat to public health in California," said the agency's acting secretary Mike Dayton. The California Department of Public Health, which set up a hotline for concerned residents, also has its own network of 8 monitors sampling the air, water, and soil for harmful substances, including radiation, said agency spokesman Ron Owens. Farther north in Alaska, people also have been asking where they can buy potassium iodide pills. Greg Wilkinson, a spokesman for the state Department of Health and Social Services, said the state doesn't monitor or track private inventories, but he also said it's seen no indication that potassium iodide will need to be taken by Alaskans in response to events in Japan. Health officials throughout the western U.S. have said there's no need to take them.
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Just Keeping It Real With Angela Harris Relationship Conversations Am I Responsible for His Insecurities? Absolutely NOT!!!!! As a woman am I to lessen myself, spend my time stroking the ego of a man who is insecure? I say ABSOLUTELY NOT!! Especially, if I had nothing to do with his insecurities. While I strongly believe it is important for wives to be their husbands biggest cheerleader, I don’t believe if he lacks self-esteem stemming from internalized issues, if he feels inferior because of his own predetermined, preconceived notions, that a woman has to lessen herself in order to make him feel good, especially when the lessening really puts the man in a position of feeling superior. Please understand this is not an indictment on all men, I love men. There are clearly some phenomenal men in our midst, this is simply an issue I hear from women on a regular basis and I personally have encountered men like this more times that I am willing to count. So I felt compelled to speak on this. I believe men are a remarkable creation of God, it’s just the truth must be told on this issue, then embraced and respected. It is then and only then that men and women can embrace each other fully and completely. So let the healing begin! Gladys Knight sings one of my favorite songs, “The Need to Be”. As a young girl I loved this song, little did I know, as a grown woman that song would become my personal national anthem. The lyrics that resonated with me were “to fulfill the need to be who I am in this world is all ask. I can’t survive in someone else’s shadow I need my very own little spot to stand. So if you’re sure it’s love just be sure it’s love for me and only me, because I am what I am and I have the need to be.” What those lyrics say to me is, while there is importance to the feelings and emotions of others, and I must be respectful of that, I can never lose sight of my own value, my own worth, my own dreams, and my own goals. I cannot and will not stop being the brilliant creation God has made me. I will not dumb down my conversation, underscore my views, rewrite my direction, or allow anyone, male or female, to pigeon hole me, ambush me, or push me against a wall because he or she can’t deal with the greatness in me. Realizing this is not a competition!!! If my knowledge is on par or greater than yours don’t hate me, or try to shut me down but embrace me. If challenged, increase in your knowledge. Find peace in this process, especially if my knowledge simply is, and doesn’t set out to shame you, up stage you, or minimize you, but encourages you through loving action to become the best that you can be. If my income is higher than yours don’t judge me as one who doesn’t “need” a man. Don’t take my higher income as the banner that says “I don’t need anyone”, “She’s independent”. Don’t let my income status define me, but spend time getting to know me. Applaud my accomplishments and stop turning them into a fowl taste in the mouth of others. Stop making a females success a dirty word or her independence sound like some emasculating trait. I am personally fed up with men, who disregard women, or label them as ballbusters, simply because they have succeeded so far in life. There is an equally bad taste in my mouth for men who disregard women who are strong, passionate, intelligent, able, confident, and willing, if necessary, to go it alone rather than to settle for less than the best of their equivalent. Let men be men and women be women. There is not a scripture that I can think of that says a woman should be under the foot of a man, walk behind him, or shriek at his very presence. There is not a scripture I know that criticizes a woman for being strong, supportive, intelligent, innovative, or sound in scripture able to teach others how to live a victorious life. So today I tell the world I choose to be who I am with no apologizes and anyone who cannot accept that can go to the devil. And may it be so with you!!!
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10 Laws of Social Media Marketing For business owners just getting started, a guide to build brand buzz and boost your bottom line. Leveraging the power of content and social media marketing can help elevate your audience and customer base in a dramatic way. But getting started without any previous experience or insight could be challenging. It’s vital that you understand social media marketing fundamentals. From maximizing quality to increasing your online entry points, abiding by these 10 laws will help build a foundation that will serve your customers, your brand and — perhaps most importantly — your bottom line. 1. The Law of Listening Success with social media and content marketing requires more listening and less talking. Read your target audience’s online content and join discussions to learn what’s important to them. Only then can you create content and spark conversations that add value rather than clutter to their lives. 2. The Law of Focus It’s better to specialize than to be a jack-of-all-trades. A highly-focused social media and content marketing strategy intended to build a strong brand has a better chance for success than a broad strategy that attempts to be all things to all people. 3. The Law of Quality Quality trumps quantity. It’s better to have 1,000 online connections who read, share and talk about your content with their own audiences than 10,000 connections who disappear after connecting with you the first time. 4. The Law of Patience Social media and content marketing success doesn’t happen overnight. While it’s possible to catch lightning in a bottle, it’s far more likely that you’ll need to commit to the long haul to achieve results. 5. The Law of Compounding If you publish amazing, quality content and work to build your online audience of quality followers, they’ll share it with their own audiences on Twitter, Facebook, LinkedIn, their own blogs and more. This sharing and discussing of your content opens new entry points for search engines like Google to find it in keyword searches. Those entry points could grow to hundreds or thousands of more potential ways for people to find you online. 6. The Law of Influence Spend time finding the online influencers in your market who have quality audiences and are likely to be interested in your products, services and business. Connect with those people and work to build relationships with them. If you get on their radar as an authoritative, interesting source of useful information, they might share your content with their own followers, which could put you and your business in front of a huge new audience. 7. The Law of Value If you spend all your time on the social Web directly promoting your products and services, people will stop listening. You must add value to the conversation. Focus less on conversions and more on creating amazing content and developing relationships with online influencers. In time, those people will become a powerful catalyst for word-of-mouth marketing for your business. 8. The Law of Acknowledgment You wouldn’t ignore someone who reaches out to you in person so don’t ignore them online. Building relationships is one of the most important parts of social media marketing success, so always acknowledge every person who reaches out to you. 9. The Law of Accessibility Don’t publish your content and then disappear. Be available to your audience. That means you need to consistently publish content and participate in conversations. Followers online can be fickle and they won’t hesitate to replace you if you disappear for weeks or months. 10. The Law of Reciprocity You can’t expect others to share your content and talk about you if you don’t do the same for them. So, a portion of the time you spend on social media should be focused on sharing and talking about content published by others.
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RELIGIOUS
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D I R E C T O RY Linda Vista Second Baptist Church 2706 Korink Avenue, San Diego, CA 92111 Tel. (858) 277-4008 / Fax (858) 277-8441 Email: second-baptist@sbcglobal.net “Welcome to Praise City” Weekly Order of Service Sunday: Early Morning Worship Power Hour Mid-day Worship
7:45 a.m. 9:45 a.m. 11:00 a.m.
Wednesday: Noon-Day Bible Study Evening Prayer Bible Study
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Dr. David C. Greene Sr. Pastor
Dr.William A. Benson and First Lady Rachelle Y. Benson
Total Deliverance Worship Center Sunday 8:00 am • Sunday 10:45 am • Wednesday 7:00 pm 6126 Benson Avenue, San Diego, CA 92114 619-262-8384 • www.bayviewbc.org
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MINISTER DONALD R. WARNER SR.
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