A poor credit score can hurt your chances of success, whether you're looking for private student loans or shopping for your next set of wheels. But if your credit score is already in the 600's or below, there's good news: you can fix bad credit.
As a young adult, it is normal for people my age to believe themselves invincible. I know this to be untrue, but I often forget this fact. With Eric Garner's death, I am reminded that black men are certainly not invincible, rather, they are endangered.
Let's be honest, America is having a credit card debt crisis. We, as a nation, are $11.4 trillion in debt to credit card companies. Luckily, there is a very easy solution to stop paying all of that interest to the credit card companies, and it comes from the most unlikely source ... the credit card companies.
The sheer number of retirement accounts can make anyone's head spin. Once you've opened a specific type of account -- for instance a traditional 401(k) -- it's tempting to just figure you're set. But with more and more employers now offering a Roth 401(k) as well, it's smart to take a step back and consider the potential benefits of each.
Once again those families and communities that have long been and continue to be subject to discriminatory (and often predatory) behavior, pay a high price. But so do many who have not traditionally been victimized by these practices.
Tonight on PBS, I'm joined by Rubén Blades. The 10-time Grammy winner, Harvard law school grad and former presidential candidate in Panama reflects on his varied career and talks about his new CD, Tangos.
Here we are 50 years later, and if you're a woman of color, then you're still facing inequality in the workplace. According to a recent study, black women are making far less than their white, non-Hispanic male counterparts in the same jobs and positions.
If there was ever a contrast in the way two separate and seemingly removed from each other police abuse cases were handled, the New York Police Department and the California Highway Patrol cases fit the bill.
Just like a coach sees the difference in her players if they spent the summer lounging instead of being active, I certainly see a literary sluggishness in my students if they return to school in the fall without picking up a book or writing in their journals with true engagement.
Hepatitis C infection is a major public health concern for people of all races. To help increase Hepatitis C awareness, testing and access to treatment for individuals infected with the virus, we recognize National African American Hepatitis C Action Day (NAAHCAD) on Friday, July 25.
We have all bought into a social construct that permits us to feel good about perpetrating a fraud. Corporations, universities, government agencies, minorities and "good white folks" alike -- we are all complicit in pimping diversity.
Johnny Gill is one of our favorite R&B crooners, who will always be remembered for his contributions as part of New Edition, and for sizzling solo hits like 'My, My, My.' An important figure in the New Jack Swing music era, Gill continues his career today through acting, international touring and other amazing developments (which you can read about below). To celebrate Black History Month, Johnny has partnered with TV One on their 'Way Back When series,' which its producers describe as "a look back at dramatic, musical, and comedic portrayals of African American life from the 70s, 80s and early 90s." As a co-host of the series, Gill has brought his soul music expertise to bear on a deeper understanding of the black roots inherent in our pop culture past.
Mr. Gill took some time to talk with Black Voices about our inspiring music history, President Obama and our future as a community.
Thanks for taking the time to talk with me today. I am sure the Black Voices audience will be excited to hear what you have been up to lately. Do you have any exciting projects on the horizon?
Yes, there are actually several things that are going on. I am in the middle of finishing the first Johnny Gill CD after 14 years. I feel like you go through a period where you work hard, and you feel somewhat unappreciated in a lot of ways. But I've grown up a lot, and now I understand that it's not a question of who wants to hear from me, it's a matter of what I feel I need to say and where I'm at today.
I truly got a reality check when I watch my friend Gerald Levert pass away. When I watched my friend Luther Vandross pass away. I watched someone I didn't know personally, but who I met in passing over the years, pass away – Teddy Pendergrass. It really makes you put things in perspective.
What is most important to have when you leave this planet is a body of work. It's not about what sells. It's important to know that as an artist, you have to continue to express yourself. It took me a minute to get that. I'm still not sure that people want to hear from me. But I know that I have a lot of catching up to do, and not for myself – for my son. I've got to leave a legacy here that's for my son. I've gotten off to a great start, but there is so much more that I need to do, want to do and can do.
You will always be remembered for your work with New Edition. Do you still keep in touch with any of your former group members?
Yes! Ralph, myself and Bobby, we formed a group called The Heads of State and we've been touring for the last two years. We just got back from Spain, London and Amsterdam. It's just been incredible. And to watch Bobby come full circle has been more rewarding than anything. He's been doing so well. All it took to help him at this stage in his life was to acknowledge him for the good things he was doing. The more I acknowledged him, the harder he started working. And it taught me a lesson that we all need that, I know I do.
And I'll let you in on a little secret. We just finished up our final paperwork. We've signed with Irving Azoff of the Front Line Management company – we are putting all the pieces together for a New Edition reunion – all six of us. That's possibly going to take place some time this year. Everybody thought that they were ready to come together and go full-steam – and it's going to be all six of us.
As the founder of Radio One, Inc., the Omaha, Nebraska, native is one of the most powerful women in black radio owning and operating upwards to 69 radio stations in 22 cities. Catherine Elizabeth Hughes began her radio career in 1973 as general sales manager at Howard University's station (WHUR), where she created the "Quiet Storm" format. Seven years later, she purchased her first radio station. Now, she's an owner and a television personality of TV One. (Photo: Film Magic)
Victor Malafronte, Getty Images
The Business of Black Music
With his groundbreaking variety show, 'Soul Train,' the Chicago native will go down in history for having produced the longest running show of its kind in the history of television. Images of beautiful black people enjoying the sounds of soul is what the visionary was able to put out to the masses way before booty-shaking music videos became commonplace on black entertainment networks. (Photo: AP)
With an $800 family loan, the former pugilist built Motown Records into a powerhouse of hits during the 1960s. Acts such as The Temptations, Stevie Wonder, The Supremes, Smokey Robinson & The Miracles and The Jackson 5 were legends in their own right providing the foundation for future generations of music stars such as Rick James, Teena Marie, Diana Ross, Boyz II Men and India. Arie. Movies such as 'Lady Sings the Blues' and 'The Wiz' and TV projects such as 'Motown 25' and 'The Temptations' helped carry the strong black-founded entertainment brand into the new 21st century. (Photo: Wire Image)
The former Columbia Records and Interscope Records heavyweight has helped guide the careers of Nas and Mary J. Blige during the 1990s. Nowadays, the Brooklyn, New York native (who reportedly attended five colleges in two years) is one of the most formidable forces to be reckoned with in the urban advertising arena handling business for General Motors, Hewlett Packard, McDonald's and Coors Brewing Company. Along with Will Smith, Jada Pinkett-Smith, Lisa Pryce, Tommy Mottola and Jay-Z, Stoute owns the Carol's Daughter beauty product line. (Photo: Wire Image)
As the president of Motown Records, the former radio promotions expert oversees the careers of Lil' Wayne, India.Arie, Marques Houston, Ja Rule and music legend Stevie Wonder. Before taking on her current post, the Wharton School of Business graduate made history as the highest ranking black woman in the record business, as chief of The Elektra Entertainment Group, where she molded the careers of EnVogue, Missy "Misdemeanor" Elliott, Gerald Levert, Keith Sweat and Busta Rhymes. (Photo: Wire Image)
As one of the most sought after producers in the music business, the Virginia native (real name: Timothy Z. Mosley) has crafted hits for the likes of Justin Timberlake, Madonna, One Republic, JoJo and Nelly Furtado. Not bad for someone who was originally put on my Jodeci singer DeVante Swing in the early 1990s. Timbaland's visionary appeal first sparked with his early work with Aaliyah, Ginuwine and his longtime association with Missy "Misdemeanor" Elliott. (Photo: Getty Images)
Hailing from Hickory, Mississippi, Bob Johnson (born Robert L. Johnson is a force to be reckon with in the entertainment and sports world. The founder and former Black Entertainment Television CEO banked a cool $1billion once he sold the company to media giant Viacom in 2000, making him the first African-American billionaire. Since stepping down as BET chairman in 2005, Johnson is currently the chairman of RLJ Development and part-owner of the Charlotte Bobcats NBA team alongside Michael Jordan and rapper Nelly. (Photo: Getty Images)
Jimmy Jam & Terry Lewis
The Minneapolis-based duo has been producing hit records dating all the way back to 1981 when they were in The Time (along with Morris Day). Since then, the all-black clad soulsters opted to stay behind the scene and mastermind timeless classics for artists such as Janet Jackson, Whitney Houston, Boyz II Men, Michael Jackson, Mariah Carey, Usher, Patti LaBelle, The Isley Brothers, Mary J. Blige, and Chaka Khan. Jimmy Jam is currently the Chairman of the National Academy of Recording Arts and Sciences, which produces The Grammy Awards. (Photo: Wire Image)
Marion 'Suge' Knight
As the head of Deathrow Records, the former college football star turned bodyguard put west coasts hip-hop on the map in a big way by any means necessary. During its formative years, the storied label has hit-makers such as Dr. Dre, Snoop Dogg, The Dogg Pound and Tupac Shakur in its stable. (Photo: Wire Image)
VJ Ralph McDaniels
As the creator and executive producer of 'Video Music Box,' Ralph McDaniels stood at the forefront of bringing hip-hop and R&B music videos to the masses way before it became popular. Though the New York City-based show gained its popularity on a regional level, McDaniels' ability to be the first place for breaking talent had a resounding impact throughout the industry nationally. Today, the Queens, NY native is heard on the renowned rap music radio station, Hot 97. (Photo: Retna)
The Bedford Stuyvesant, Brooklyn born attorney has become the go-to-guy for entertainers in need of some savvy legal wrangling. Most famous for helping Prince get out of his deal with Warner Bros. Records, the dashing playboy has ironed out contracts for Stevie Wonder, Roberta Flack, Chaka Khan, Usher, D'Angelo, Faith Evans, Ciara, L.L. Cool J, Kanye West, Nas, DMX, Wesley Snipes, Spike Lee, Russell Simmons and many others. He is also one of the co-owners, along with real-estate developer Bruce Ratner and hip-hop artist Jay-Z, of the New Jersey Nets. (Photo: Wire Image)
Your fans will be glad to hear of this, because New Jack Swing was a favorite period in black music. What do you think of today's male R&B singers like Tyrese and Trey Songz?
I had the pleasure of working with those two guys. It was wonderful. The response was so great that people were talking to us about forming an actual group together. We did a tribute for the O'Jays, and the response was just overwhelming.
Let's talk R&B music history. Who are some of the great male singers of the past who have most inspired you?
Let's start with Stevie Wonder. Donnie Hathaway. Luther Vandross. Teddy Pendergrass. Marvin Gaye, obviously. Peabo Bryson. There are a slew of vocalists that have come before me and had a great influence.
How were you affected by the death of Michael Jackson?
Ironically, right before I got on with you, I had just hung up with Janet. I'm kind of like everyone else. It goes beyond Michael as an artist. I've only met Michael a few times, but because of my relationship with Janet – we've been very close for many years – my heart goes out to the family first and foremost.
Then you take a step back to look at what he contributed to the world. That record he has for giving the most as a celebrity? When you look at him giving to so many charities, at his love for kids, which was found never to be anything but that love – to be crucified for it. But, he never wavered. He never got angry. He never said "I'm going to be selfish now." At the end of the day, you have to see the truth about where his heart really was.
In a strange way, I can identify with what Michael went through. I work hard. I give all day every day to people, and it's never reported. But it's not about me being acknowledged. But to work so hard, and then to be crucified. To be lied on. It really has an impact. He really, truly got crucified.
Can you talk about the importance of black music to our struggle in America? How has music strengthened and supported us as a community?
Music for us has been like food. Like air. It has taken us and carried us for many, many years simply because it's all we had. That's why when you look at trends in music we are normally at the forefront of it. And if you look at music in general now, everything started with rhythm and blues. Now it's taken a new shape.
Musical is so magical. It can take you on a journey, from being happy, to being sad. When you look all over the world, even with hip hop, you see kids who, through music, are trying to emulate what we do. I've been all over the world. The love and respect they have for soul music, for black music – it's amazing.
When you look at Elvis, Jackie Wilson had an influence on him. When you look at the Rolling Stones, you are seeing Howlin' Wolf. The Beatles, everyone, if you look back and start to see where their influences come from, it speaks volumes.
There is a big debate every year about whether Black History Month is still relevant. Please share your thoughts and feelings on the month.
I think Black History Month is definitely still relevant. I just think it needs to be on a bigger scale today. It should go above and beyond just a month of reminding people about black history. We are truly some of the most remarkable people on the planet when we think about where we come from. We've had to make something out of nothing. There should be more taught about black history in school, and all over the world. We've come a long way, and we've still got a ways to go.
But when you look at what we have accomplished, it speaks volumes. We have our first black president. That's why I get angry when people act like the honeymoon is over, and they now want to criticize Obama. There is no one man, short of God, who can turn this situation around in one year. Give him some time to work. It really disturbs me to hear people like Danny Glover, people who I have great respect for, talking about what Obama did do and isn't doing. We have to support him and hope that he can continue to pave the way for others to have an opportunity to sit in that position one day, and to have the country have faith and believe that we are capable.
What are the key issues we as a group need to work on as we move forward?
In my 43 years of living, the one thing that I've noticed about our people is that we have many people in our community that think small. A lot of our people are entertained by looking into entertainers' lives. They dwell on it, and talk about it everyday. I wish that we would take a step back and look at people who have made an impact through their work, and get the message that "if they can do it, I can do it."
I did not get where I am today by worrying about other peoples' lives, who's sleeping with who, who's gay, who's straight, who's in, who's not, who's hot, who's not. There has been a focus on who's inspired me and what I want to do with my life from that. We need to look at the people who are accomplished, whether it's Obama, or some of the athletes, or the list goes on to people in different areas. If we look at what some of our African American heroes have accomplished, it's important for that to be the focus. That way we can continue to grow and develop and make headway for the next generation that's coming.
I find that we waste more time in tearing each other down in our own community than anybody. There's nothing that we have taken over, that when we decide to do it, we don't master. Whether it's golf. Whether it's tennis. Whether it's running a country. The list goes on. It's only the people who are focused who understand that you have to keep your eyes on the prize. It's not going to come through sitting around and watching television, or being on the Internet.
Do you have any words of wisdom or encouragement to share with the BlackVoices.com audience?
I want us to continue to grow as we have over the years, so that we will be able to look back and see the progress that we've made and that we are making.
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