Tag Archives: Elissa Gabrielle

The Second Amendment

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With all that talk about the Second Amendment I wonder if you knew the real reason for the Second Amendment. Did you know why it says “State” instead of “Country”? Well, much like most early laws it was to preserve the slave patrol militias in the southern states, which was necessary to get Virginia’s vote. What was called militias initially; it was a reference to “slave patrols” regulated by the states.

Laws were passed in Georgia, for example, that required all plantation owners or their male white employees to be members of the Georgia Militia, and for those armed militia members to make monthly inspections of the quarters of all slaves in the state. The Georgia statutes required patrols, under the direction of commissioned militia officers, to examine every plantation each month and authorized them to search ‘all Negro Houses for offensive Weapons and Ammunition’ and to apprehend and give twenty lashes to any slave found outside plantation grounds.

Let me add that this was not germane to Georgia alone but most southern slave holding states!

Before and up to the signing of the Constitution hundreds of substantial slave uprisings had occurred across the South.  Blacks outnumbered whites in many areas, and the state militias were used to both prevent and to put down slave uprisings. The fact is that slavery could only exist in the context of a police state, and the enforcement of that police state was the explicit job of the militias.

Think about it, if slaves had guns then they could be emancipated, which would collapse the institution of slavery, and the southern economic and social systems.

I am not going to expound upon this debate further because when black people, i.e., the Black Panthers, tried to exercise their right under the Second Amendment am going to agree with the profound actor Danny Glover who made this comment on the Second Amendment something called CONITEL was developed and the California Governor sign a bill to deny that right.

The fact is that the Second Amendment was conceived largely to preserve the institution of slavery and to suppress Native Americans. Actor and Activist Danny Glover said this recently: “I don’t know if you know the genesis of the right to bear arms,” Glover said. “The Second Amendment comes from the right to protect themselves from slave revolts, and from uprisings by Native Americans. So, a revolt from people who were stolen from their land, or revolt from people whose land was stolen from, that’s what the genesis of the Second Amendment is.”

Anyone who has read the Constitution knows that it says nothing about the rights of people of color or women. Therefore to think that the Second Amendment had anything to do with the rights of all people are simply wrong.

I am a veteran, served this country, and love it but something there is a huge void between fact and fiction. I would suggest that all of us be careful when those on the right and others connect the word of a Dr. Martin Luther King to this debate, as again it is fiction far from fact. And that’s my Thought Provoking Perspective…


13 Ways to Stop Stealing From Yourself

28959_426173968522_7887579_nAre you a thief? If you are in debt and have no savings or retirement you are a thief and are stealing from yourself.  According to a new report by the Consumer Federation of America and the Certified Financial Planner Board of Standards, 38% of Americans are living paycheck to paycheck.  One out of every 7 Americans has 10 credit cards.  According to the Federal Reserve Bank of New York, more Americans owe money on student loans than on credit cards. 

The Consumer Financial Protection Bureau (CFPB) estimates that 30 million Americans have debt with collection agencies. 43% of Americans spend more than they earn.   According to a new University of Michigan report 1 out of 5 families owes more on credit cards, medical bills, student loans and other unsecured debt than they have in savings.

Many Americans have no emergency fund and little or no retirement savings. According to EBRI’s 2012 Retirement Confidence Survey 60% of employees state that the value of their savings and investments is less than $25,000.  Due to the recession and its after-effects many Americans were unemployed for long periods of time and exhausted their savings and retirement accounts and racked up mounds of debt.

Each time you swipe your credit card interest is accruing on the credit card balance.  If you don’t pay the balance off at the end of the month your credit card balance will continue to grow.  Paying for an item with a credit card on average costs 110% more than the original cost of the item.  Owing credit card debt makes the credit card companies rich and makes you poor.

Many Americans are so focused on paying down debt they forget about saving money.  No matter how much debt you owe you should also contribute to a savings account. Invest in yourself by contributing to a savings account.  You should have enough in an emergency savings account that covers your total monthly expenses and bills for 9-12 months.  You should put yourself first and follow the “Pay Yourself First” principle by putting money aside towards a savings account even if it is $1 a week then pay everyone else.

If you are living paycheck to paycheck find a way to reduce your spending such as bring your lunch to work, skip the Starbucks and bring your own coffee from home, shop at discount grocery stores and discount stores such as Aldi’s, Save-a-Lot, Wal-Mart, Target, Bottom Dollar Food, Grocery Outlet and buy store brands, use coupons. You may prefer to buy meat, dairy products and fruits and vegetables at a local farmers market or a regular grocery store.

Buying items you cannot afford it simply stealing from yourself.  Buying a car that costs more than your annual salary, owning a home that is upside down, owing student loans with a balance of $50,000 or more is not practical and causes extreme financial hardship.  If you make sacrifices earlier in life and do research to find the best offer for a loan or credit card, contribute regularly to a savings account and educate yourself about interest rates, credit card and personal finance you will be in a better financial position.  You will have to make hard sacrifices to get yourself out of debt.  Here are 13 ways to stop stealing from your yourself.

  1. Pay in full. Pay balance in full each month to avoid paying finance charges.
  2. Pay bi-monthly. Pay half of the balance with 1st paycheck of the month then pay the remaining balance with 2nd paycheck of the month.
  3. Pay weekly. Pay the minimum monthly payment the 1st week after you get the bill, and then each week pay as much as you can toward the monthly balance. Repeat this every month.
  4. Pay extra. Pay as much as you can when you get the bill, and then pay more towards the bill when you get extra money.
  5. Automate. Set up automatic payments from your checking account the day you receive your paycheck or the day after you receive your paycheck to pay down debt.
  6. Use unexpected income. Use your income tax refund, economic stimulus check, bonus check or sell new or used items on eBay.
  7. Negotiate. Negotiate for a lower interest rate, get fees waived or request a settlement to help reduce the balance owed to make it easier to pay down debt.
  8. Create a budget.  Balance your checkbook and create a budget to identify what you owe, what you earn and what you spend to find areas where you can reduce spending. Pay no more than 35% of your total monthly income towards housing, pay no more than 15% towards transportation, pay no more than 10% towards debt excluding mortgage, pay 10% towards savings and pay no more than 25% towards remaining expenses to create a balanced budget.
  9. Live Below Your Means.  Buy needs vs. wants; buy only the things you need, delay the things you want until you have the money to purchase the item.
  10. Pay with cash. Use credit cards for emergencies only and purchase items with cash.
  11. Purchases. Avoid making bad decisions such as buying rent-to-own furniture or buying a big screen television and other items that have no value.
  12. Pay on time. Avoid paying late fees whenever possible. If you know you will pay a bill late contact the company to setup payment arrangements.
  13. Keep balances low. Keep credit card balances at 20% or less of the credit limit.
By Harrine Freeman, Speaker, Financial Trainer
202-251-2503
One of Black Enterprises’ TOP 12 FINANCIAL MINDS (2010)
Winner of the 2011 New York Book Festival
Author How to Get Out of Debt: Get an “A” Credit Rating for Free

http://www.hefreemanenterprises.com/

htpp://johntwills.com


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