Cliff Notes: Here's Why Every Black Person Should Have a Business

In this video, Shonda Martin breaks down the concept of borrowing power and how it differs from your credit score. Learn about the factors that lenders consider when assessing your credit profile and discover practical tips to enhance your borrowing potential.Timestamps: 00:00: Introduction to Borrowing Power 00:20: What is Borrowing Power? 00:42: Credit Score vs. Credit Profile 01:09: Importance of Credit Profile Over Credit Score 01:32: Factors Influencing Credit Approval 02:11: Impact of Late Payments on Credit Profile 02:38: Time Since Last Missed Payment 03:38: Hierarchy of Late Payments by Account Type 04:19: On-Time Payments and Credit Profile Quality 05:22: Achieving 500 On-Time Payments 06:08: Tiers of Borrowing Power 06:28: Strategy to Reach 500 On-Time Payments 07:15: Resilience of a Strong Credit Profile 07:32: Summary and Key TakeawaysWatch the full video to understand how to optimize your credit profile and increase your borrowing power. Don't forget to like, comment, and subscribe!For this full class and more join EYL University at www.eyluniversity.comOur Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode, we sit down with Cam Kirk, the renowned photographer who documented the rise of Atlanta's music scene. Cam shares his journey and offers invaluable advice to new photographers, emphasizing the importance of mastering your camera early on and understanding lighting—highlighting strobe lighting as the best for photography.Cam dives into the three camera settings crucial for achieving the best image quality and discusses the art of properly framing people in photos. We explore whether technology might replace photographers and why Cam prioritized building relationships over money at the start of his career.Cam also reveals how he used his own money to put artists on billboards, elevating his brand, and shares the story of Nike being the first brand to pay him $20k for a shoot. He warns photographers about "work for hire" contracts and asserts that photographers own every picture they take, including the right to sue companies for using their images on merchandise.Cam has created a label to sign upcoming photographers, signing seven photographers and giving them $20k each. Over the past seven years, Cam Kirk Studios has served over 30,000 appointments. He reflects on touring with artists early in his career for only hundreds of dollars and how he helped Metro Boomin blow up by using the same formula that rappers use to achieve success.Join us for an enlightening discussion packed with insights and experiences from one of the industry's top photographers.#EarnYourLeisure #CamKirk #Photography #AtlantaMusicScene #MasterYourCamera #StrobeLighting #CameraSettings #FrameYourPhotos #PhotographyTechnology #BuildingRelationships #NikeShoot #WorkForHire #PhotographyOwnership #PhotographersRights #PhotographyLabel #CamKirkStudios #MetroBoomin #PhotographySuccessOur Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this clipof Market Mondays, our hosts Ian Dunlap, Rashad Bilal, and Troy Millings dive deep into everyone's favorite topic: Nvidia stock. If you’ve been wondering about the best time to invest in this tech giant, you're in the right place.Rashad starts the conversation with a burning question from viewers: What should we do if Nvidia doesn’t hit the desired $107 price mark? Ian emphasizes the importance of patience and strategy, advising to wait for a price pullback to around $112 or ideally $107 before making a move. He shares an inspiring story of someone who benefited immensely from strategic investments, leading to substantial financial gains and life-changing purchases.Troy highlights the need for flexibility in investment strategies. While having a game plan is crucial, sometimes you need to adapt. He explains his approach of modifying entry points based on the stock's movements and the importance of not missing opportunities by being overly rigid.Ian underscores the value of consistency, particularly when it comes to tuning into Market Mondays for weekly updates and advice. He stresses the importance of staying informed and focused, even amidst potential distractions.Rashad wraps up the discussion by pointing out that dollar-cost averaging can be a simple yet effective strategy for those wary of timing the market. Investing consistently every month can alleviate the stress of price fluctuations.Throughout this episode, our hosts offer a balanced mix of strategies, tips, and real-world examples to help you navigate the complexities of investing in Nvidia. They also touch on broader investment principles that can be applied to other stocks and financial decisions.Don't miss out on this episode packed with actionable insights!*Key Topics:*- Strategies for investing in Nvidia- Importance of waiting for price pullbacks- Flexibility and adapting investment plans- Benefits of dollar-cost averaging- Real-life success stories and examples- Consistency and staying informed*Timestamps:*0:00 - Introduction0:18 - What to do if Nvidia doesn’t hit $1071:05 - Success story from an Nvidia investor2:22 - The importance of modifying your investment plan3:43 - Staying consistent and informed4:52 - The simplicity of dollar-cost averaging*Show Hosts:*- Ian Dunlap- Rashad Bilal- Troy Millings*Subscribe to Market Mondays for more weekly insights and investment strategies!*#MarketMondays #Nvidia #StockMarket #Investing #InvestmentStrategies #Finance #NvidiaStock #TechStocks #DollarCostAveraging #FinancialFreedom #InvestWisely #StockMarketTips---Tune in every week for the latest advice and tips on making the most of your investments. Whether you’re a seasoned investor or just starting out, our comprehensive analysis and proven strategies will help you achieve your financial goals. Remember, the key to successful investing is staying informed and being adaptable.Keep learning, keep investing, and let’s secure that financial future together!Our Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this empowering talk, Kevia Williams emphasizes the importance of business ownership for Black individuals, highlighting how the tax code is designed to benefit owners over employees. Kevia explains how understanding and leveraging the tax code can reduce taxable income and increase financial freedom. She discusses real-life examples, including former presidents and corporations, who have minimized their tax burdens through strategic use of the tax code. Kevia also underscores the significance of understanding policy and accessing funds allocated for Black entrepreneurs. By grasping these financial and policy insights, Black entrepreneurs can reclaim resources and build lasting wealth for future generations. Don't miss this eye-opening discussion on financial empowerment and strategic business ownership!Our Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome back to another clip of EYL! In this exciting edition, we sit down with Brenna Murphy and Ricky Murphy, the dynamic duo behind Pink Nookie, to uncover the incredible story of how a singular event, Investfest, catapulted their business to new heights.When Brenna first heard about Investfest through a post shared by their social media manager, Jalisa, she had no idea that this decision would be transformative. Initially skeptical about the $2,000 investment, Brenna was convinced after reading testimonials from attendees who talked about how Investfest changed their lives. One comment, in particular, resonated with her—it spoke of moving to Atlanta solely because of the event. Having recently moved to Atlanta herself, Brenna felt a spark and decided to take the leap.Their first year at Investfest was a whirlwind of hustle and improvisation. Entering a room filled with elaborate vendor booths, Brenna and her team found themselves underprepared with just a banner and a pink tablecloth. But determination and last-minute trips to Hobby Lobby paid off—they sold out at the event! Fast forward to the next year, they returned as seasoned veterans with an upgraded setup, complete with a lit-up backdrop and a full team, prepared to seize every opportunity.Listeners can expect to glean invaluable insights from Brenna and Ricky’s experiences. They shared how vital preparation is, from anticipating inventory needs to shutting down their website and store temporarily to focus solely on Investfest. Their strategy paid off, and the effort to perfect every detail, from business cards to booth presentation, contributed to their success.The conversation delves deep into the hustle mindset that every entrepreneur should adopt. Rashad Bilal emphasizes that nothing in entrepreneurship falls into your lap; it requires stepping out of your comfort zone and hustling hard. Brenna’s statement that many vendors underestimate the potential impact of such events is a lesson in itself. Her proactive approach—engaging with attendees, capturing moments with celebrities for social proof, and understanding the event layout—sets an excellent example for aspiring entrepreneurs.One memorable anecdote includes an encounter with Dan Cathy, the CEO of Chick-fil-A, who walked through the marketplace early on a Sunday with bags of Chick-fil-A in hand. Brenna’s ability to seize the moment, engage with him, and even take a picture speaks volumes about her proactive approach.The key takeaway is clear: the success of Pink Nookie at Investfest wasn’t accidental; it was a result of careful planning, relentless hustle, and leveraging every opportunity. Brenna and Ricky’s journey showcases the importance of networking, the power of strategic giveaways, and the significance of being prepared to pivot and adapt as needed.Tune in to hear more inspirational stories, learn actionable strategies, and get motivated by this incredible entrepreneurial journey. Don’t forget to like, subscribe, and hit the notification bell for more amazing content from EYL!#Investfest #PinkNookie #EntrepreneurJourney #BusinessSuccess #HustleHard #BlackBusiness #InvestfestSuccess #Networking #BusinessTips #EYL #ChickfilA #DanCathy #SmallBusiness #VendorLife #MarketingStrategyOur Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to another clip of EYL! In this special clip titled "Pink," we invite the dynamic duo Ricky and Brenna Murphy, creators of the innovative brand Pink Nookie, to share their insights into effective branding, marketing, and networking strategies. Rashad Bilal and Troy Millings guide this eye-opening conversation, revealing essential tips for aspiring entrepreneurs and seasoned business owners alike.Key Discussion Points:**Branding Beyond Social Media**:- *Nail the Look:* Brenna Murphy shares her unique strategy of keeping her nails and sometimes even her hair pink to always represent her brand. Learn the importance of personal branding and how small details can leave a lasting impression. - *Text Message Campaigns:* Inspired by the relentless strategies of Fashion Nova, Brenna and Ricky use creative and engaging text messages to keep their audience hooked. Discover why frequent communication matters.**Event Marketing at InvestFest**:- *Premium Booths:* Ricky and Brenna emphasize the significance of securing a premium booth at events like InvestFest. They share their own experiences, revealing how strategic booth placements can increase visibility and networking opportunities.- *Be Early and Prepared:* Discover why the early bird gets the worm, especially when it comes to networking at large events. Learn the benefits of arriving early and being fully prepared with business cards and a solid strategy.**Networking in Atlanta**:- *The Power of Presence:* Moving to Atlanta has been a game-changer for Ricky and Brenna. Learn how being in an entrepreneurial hub can open doors you never knew existed. - *Meeting the Big Leagues:* From meeting influential figures at InvestFest to networking at Hawks games, the Murphys share their remarkable encounters and how these connections have propelled their business forward.- *The Role of Mentors:* Ricky narrates his fruitful encounter with influential personalities who have acted as mentors, offering invaluable insights and contacts.**Relocation and Growth**:- *Taking the Leap:* Brenna and Ricky discuss the importance of leaving your comfort zone for greater opportunities. Moving from Indianapolis to Atlanta was their game-changer, and they explain why sometimes relocation is essential for business growth.- *Sacrifice for Success:* Ricky speaks candidly about the personal sacrifices he has made, including being away from his eldest daughter to build a better future. Learn why sacrifice is often a necessary part of achieving long-term goals.**Final Advice**:- *No Regrets:* Rashad and Troy highlight the importance of taking risks and not living with the "what-ifs." They emphasize that even if things don't work out, the experience and knowledge gained are invaluable assets.This clip is packed with practical tips and inspiring stories that will motivate you to think creatively, push your boundaries, and take strategic risks. Whether you're just starting out or looking to elevate your existing business, the insights shared by Ricky and Brenna Murphy will provide the roadmap you need.*Don't miss out on this treasure trove of entrepreneurial wisdom!*Make sure to:- Like 👍- Comment 💬- Subscribe 🔔- Share 📲#EYL #Entrepreneurship #Branding #Marketing #Networking #PinkNails #FashionNova #InvestFest #AtlantaBusiness #Mentorship #Relocation #BusinessTips #SuccessStories #BusinessGrowth #EYLMedium #Podcast #SmallBusiness #BlackEntrepreneurs #Strategies #EntrepreneurLifeOur Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to another impactful clip of Market Mondays! In this clip, hosts Rashad Bilal and Troy Millings sit down with Representative Bowman to discuss the stark economic disparities in one of the most diverse districts in America. This clip dives deep into crucial topics like affordable housing, black wealth creation, and reproductive rights, highlighting Representative Bowman’s insight and legislative initiatives.*Key Highlights:*- **Economic Disparities in the District**: Representative Bowman elaborates on how districts like his, encompassing both the affluent neighborhoods of Scarsdale and Rye and the economically challenged areas of Mount Vernon and South Yonkers, depict America's tale of wealth inequality. He emphasizes the close physical proximity but stark economic divide between these communities.- **Affordable Housing Crisis**: With Westchester County needing approximately 80,000 affordable housing units, Bowman discusses the legislative efforts to cap rental costs at 20% of salary. He points out the resistance from wealthier areas to allow affordable housing developments and underlines the role of federal policies and Wall Street in maintaining high housing prices.- **Financial Burdens**: Beyond housing, Bowman touches on the broader spectrum of financial challenges faced by working-class families, including childcare, utilities, food, and transportation. He advocates for higher taxes on corporations and the wealthy to fund essential services and infrastructure.- **Black Wealth Creation and Reparations**: Bowman passionately argues for public investments to repair historical harms, such as redlining, which isolated and devalued black communities. He calls for federal dollars to be reinvested to rebuild these areas and promote self-sustaining wealth. He also explains that reparations are a vital step toward rectifying the federal government's century-long subsidization of white wealth at the expense of black communities.- **Importance of Entrepreneurship and STEM Education**: Highlighting the need for innovation and entrepreneurship, Bowman believes that financial literacy coupled with new ideas in technology can build wealth in black communities. He stresses the importance of STEM education to foster entrepreneurial thinking among youth.- **Women's Issues and Reproductive Rights**: Troy Millings shifts the conversation to women's issues, particularly reproductive rights and maternal mortality. Bowman commends New York’s strong stance on reproductive justice but points out the glaring issues of maternal mortality, especially among black women. He calls for more anti-racist training for healthcare providers and improved medical support for expectant mothers.This clip is jam-packed with valuable insights and solutions aimed at tackling some of the most pressing issues in Bowman's district and beyond. Don’t miss out on this enlightening discussion that underscores the necessity for systemic change and robust public investments.*Join the conversation* – share your thoughts and solutions in the comments below. If you find value in this discussion, remember to *like* and *subscribe* to stay updated with our latest content on economics, investing, and community upliftment.**Hashtags**: #MarketMondays #EconomicDisparity #AffordableHousing #BlackWealth #Reparations #FinancialLiteracy #STEMEducation #ReproductiveRights #MaternalHealth #CommunityBuilding #Investment #Legislation #SocialJustice #WealthGap #EconomicPolicy #HousingCrisis #Innovation #YouthEmpowerment #WorkforceDevelopment #PublicInvestment #Entrepreneurship---Tune in to understand how we can bridge the wealth gap and create a more equitable society through informed policy-making and community efforts. Thank you for watching Market Mondays!Our Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome back to Market Mondays! In this clip, we dive deep into the political landscape as we discuss the influence of big money on elections with our special guest, Representative Jamal Bowman. Join hosts Rashad Bilal, Ian Dunlap, and Troy Millings as they unpack the crucial subject of political funding and its impacts on democracy.In this insightful conversation, Rep. Bowman reveals the staggering $30 million being spent against him in the current election cycle, largely funded by super PACs and c4 organizations. He sheds light on how these super PACs operate, the implications of their spending, and how this monumental financial backing is being used to influence voters and sway election results.*Key Discussion Points:*1. *Understanding Political Funding:* - Rep. Bowman explains the basics of campaign funding, differentiating between direct contributions to campaigns and the role of super PACs and c4 organizations. - He highlights the disparities in campaign funding and the outsized influence of big money in congressional races.2. *The Role of AIPAC:* - The American Israel Public Affairs Committee (AIPAC) is identified as a major player in the political funding arena. Representative Bowman discusses AIPAC's specific interests and their reasons for targeting him. - A detailed look into AIPAC’s influence, their objective of supporting Israel, and their extensive history of lobbying for substantial U.S. military aid to Israel.3. *Combatting Big Money:* - Rep. Bowman shares his strategies for countering the immense financial power of super PACs. - The discussion covers the importance of grassroots campaigns, mobilizing volunteers, and creating an effective field operation to connect directly with voters.4. *Impact of Policies:* - Rep. Bowman defends his stance on Gaza, emphasizing his commitment to justice and human rights, despite the financial and political consequences. - He elaborates on the broader implications of reallocating the substantial funds sent to Israel towards domestic needs such as education, affordable housing, and childcare.5. *Legacy and Responsibility:* - Drawing inspiration from historical figures and movements, Rep. Bowman talks about the responsibilities of being a congressman with a distinct black consciousness. - He stresses the importance of continuing to fight for racial and economic justice and sees the financial attacks as a badge of honor for his commitment to these causes.Throughout this video, viewers will gain a nuanced understanding of the complex world of political funding, the role of powerful lobbying groups, and the ongoing struggle for fair and just policies in Congress. Rep. Bowman’s passionate and informed perspective provides a critical view into how democracy can be influenced by substantial financial interventions and what measures can be taken to uphold the principles of justice and equity.👉 *Don’t forget to like, comment, and subscribe to Market Mondays for more in-depth discussions on politics, finance, and more! Hit the notification bell to stay updated on our latest videos.*#MarketMondays #PoliticalFunding #JamalBowman #AIPAC #BigMoneyInPolitics #GrassrootsCampaign #DemocracyInAction #ElectionInfluence #JusticeInPolitics #IsraelPolicy #SuperPACs #CampaignFinanceOur Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome back to Market Mondays! In this clip, we dive deep into the political landscape as we discuss the influence of big money on elections with our special guest, Representative Jamal Bowman. Join hosts Rashad Bilal, Ian Dunlap, and Troy Millings as they unpack the crucial subject of political funding and its impacts on democracy.In this insightful conversation, Rep. Bowman reveals the staggering $30 million being spent against him in the current election cycle, largely funded by super PACs and c4 organizations. He sheds light on how these super PACs operate, the implications of their spending, and how this monumental financial backing is being used to influence voters and sway election results.*Key Discussion Points:*1. *Understanding Political Funding:* - Rep. Bowman explains the basics of campaign funding, differentiating between direct contributions to campaigns and the role of super PACs and c4 organizations. - He highlights the disparities in campaign funding and the outsized influence of big money in congressional races.2. *The Role of AIPAC:* - The American Israel Public Affairs Committee (AIPAC) is identified as a major player in the political funding arena. Representative Bowman discusses AIPAC's specific interests and their reasons for targeting him. - A detailed look into AIPAC’s influence, their objective of supporting Israel, and their extensive history of lobbying for substantial U.S. military aid to Israel.3. *Combatting Big Money:* - Rep. Bowman shares his strategies for countering the immense financial power of super PACs. - The discussion covers the importance of grassroots campaigns, mobilizing volunteers, and creating an effective field operation to connect directly with voters.4. *Impact of Policies:* - Rep. Bowman defends his stance on Gaza, emphasizing his commitment to justice and human rights, despite the financial and political consequences. - He elaborates on the broader implications of reallocating the substantial funds sent to Israel towards domestic needs such as education, affordable housing, and childcare.5. *Legacy and Responsibility:* - Drawing inspiration from historical figures and movements, Rep. Bowman talks about the responsibilities of being a congressman with a distinct black consciousness. - He stresses the importance of continuing to fight for racial and economic justice and sees the financial attacks as a badge of honor for his commitment to these causes.Throughout this video, viewers will gain a nuanced understanding of the complex world of political funding, the role of powerful lobbying groups, and the ongoing struggle for fair and just policies in Congress. Rep. Bowman’s passionate and informed perspective provides a critical view into how democracy can be influenced by substantial financial interventions and what measures can be taken to uphold the principles of justice and equity.👉 *Don’t forget to like, comment, and subscribe to Market Mondays for more in-depth discussions on politics, finance, and more! Hit the notification bell to stay updated on our latest videos.*#MarketMondays #PoliticalFunding #JamalBowman #AIPAC #BigMoneyInPolitics #GrassrootsCampaign #DemocracyInAction #ElectionInfluence #JusticeInPolitics #IsraelPolicy #SuperPACs #CampaignFinanceOur Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this video, we explore a wide range of topics in the music industry with insights from Bryan-Michael Cox. We discuss the nuances of royalty splits in country vs. hip hop music, whether artists who don't produce or write their songs should receive residuals, and why record deals are designed to keep artists in debt. We also delve into the importance of focusing on future competition and the impact of AI on the music industry.Additionally, we examine how clubs use music to control their crowds, the influence of bottle service culture, and the timelessness of today's music. Bryan-Michael Cox shares his thoughts on the lack of a music industry union, his initiative 'Illustrate New Ideas,' and BMF's club strategies. We also discuss the club economy, the success of "Lady's Love R&B" in Atlanta, and the different criticisms faced by Kanye West and Drake. Finally, we break down the role of a producer and the potential earnings of hit songwriters.#MusicIndustry #BryanMichaelCox #RoyaltySplits #AIinMusic #Songwriting #RecordDeals #ClubCulture #TimelessMusic #MusicUnion #LadyLoveRNB #BMF #KanyeWest #Drake #HitSongwriters #MusicProducers #Residuals #FutureCompetitionOur Sponsors:* Check out Acorns: acorns.com/EARN* Check out BetterHelp : betterhelp.com/EARNYOURLEISURE* Check out Monarch Money: www.monarchmoney.com* Check out ShipStation: https://www.shipstation.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy