National Natural Hair Day Tomorrow

TOMORROW IS NATIONAL NATURAL HAIR DAY. TO PARTICIPATE YOU HAVE TO REMOVE ALL WEAVE / CLIPS / TAILS / PERMS / ADD-ONS / EXTENSIONS / DYES / TOUPEES / HAIRPIECES AND BRAIDS FROM YOUR HAIR. YOU CAN'T EVEN PRESS YOUR HAIR TOMORROW. WASH AND GO.

Natural Hair Day

Take a picture of yourself tomorrow and post the link here. I believe in the natural beauty of women, and I hope you believe in yourself.

Please visit my legal website: Las Vegas DUI Lawyer
See me on YouTube: Seattle Cop Punches Black Teenage Girl
Follow @Kevin_Cardinale

For Blacks: Mo Money in 2011?

My Financial Suggestions for Negros in 2011

Hello brothers and sisters!  Happy new year.  I hope you sat down at your desk and mapped out your year and planned everything you would "like" to do this year.  But, what about what you would like to financially achieve this year?  Very often Black folks, or even Americans in general, do not sit down at the beginning of a year and plan ahead for their finances.  Trust me on this one when I say, when you write it down, just the act alone, seems to help you achieve it.  I am always harping on what Black folks won't do.  So I like to put my money where my mouth is, and we'll go through this together and suggest what ought to be done.  Ever hear of a Black leader that does that?  They're so quick to tell you what shouldn't be done.  Black preachers climb the pulpit every Sunday and tell you what you can't do.  Black "leaders", a.k.a. NAACP wannabes, delight in telling you how you've been wronged.  But, not a damn one of them empower us.  Not a damn one of them tell us what we can do.

I don't think Black people have financial education.  I am no Warren Buffet but I will share with you some financial ideas that I think even the most financially uneducated brother or sister can not only understand, but financially do.

This Year's Financial Planning for Black People

I am going to tell you some things that might seem counter to what all the financial gurus are talking about.  But, what you don't know is most of those financial gurus are not talking to you.  They are talking to people who have $150,000 saved in the bank.  Do you know the average social security retiree has a whopping $50,000 saved in their social 401k plan?  There is no way they can retire off of that.  So all these speeches about what you should do with your money does not apply to you.  [and me]  We do not have the basic of the basic already sorted out, have at least $50,000 in savings alone.  So if I say something that doesn't jive with what your financial hero is telling you, understand that your financial hero makes about $300,000 a year and think everyone has $50,000 saved in the bank ALREADY.

The Easy Way to Save

Before you can save you have to get your spending under control.  If you go to a store more than twice a month, you are out of control.  That is including groceries.  Basically the idea is that most Americans are living waaaaaaaaaaaaaaay above their means.  They are shopping non-stop.  They are paying for things they do not need.

There are far more rich people that lived below their means and saved up, than there are that wandered into a pot of gold.  There are far more rich people that were stingy with their money than those that had riches fall in their lap.  Being wealthy takes planning and commitment.  Don't be afraid of the word wealthy either.  I consider wealthy to also cover how great your family is, spiritually.  Oh and by the way, these days having one million dollars is not considered rich anymore.

Now, all the financial gurus tell you that saving your money works against you.  The Federal Reserve Bank prints a cool $50 million a day.  That's right! A Day!  That means the $50 you put in your bank every paycheck by the time you walk out the door, is really only worth about $45.  Just that fast inflation is eating your money.  Now couple that with the fact of capital gains tax, which is %15 off of what you make in a savings account.  Right now across the land it's a bleak 1% OR LESS.  So if inflation of 5% and an additional 15% don't get you, your own spending will get you.

So why am I even discussing savings?  Because you have to have a foundation before you can anything with money.  You cannot talk about sound investing if you have no money to invest.  You do know that, at a minimum people are talking about having $20,000 or $30,000, when they are discussing investing.  And, they expect you to have that saved by age 26 or so.  So if you don't have that, all of that discussion doesn't even apply to you.

I asked my bank if my account was terrible, two different banks told me that 90% of their account holders did not have enough in their account to buy an expensive meal.

So what can we do to save money? There is a financial term called a DRIP program.  It stands for dividend reinvestment program.  It means that you buy into the direct shares of a company, below the minimum of what a normal investor would have to pay, about $1,000.  Your buy in is then kept by the company and as your little money stays, they pay you an exact portion of what you make off of your "stock", when they pay out dividends.  However, instead of you getting the money, for your tiny portion, the company reinvests the money to buy you more stocks.  So, for instance, if you were to buy into the Proctor & Gamble DRIP program with $500, come time for them to pay out dividends, they take the $5 you earned and buy you more stock.  So you end up with $505 worth of stock in the company.  Over a long period of time, you might end up with 20,000 shares from just a tiny amount.

My suggestion is for you to apply the same principle to yourself and your savings account.  Most people put all of their money into their checking account so they can pay off bills and such, or buy groceries.  That is fine.  As long as you keep an up-to-date checkbook you will never go into the hole.  Setup your own DRIP program from your checking account, to your savings account.  Unless your bank is in the stone age, you can go online and do this.

Setup a daily or weekly transfer from your checking account to your savings account.  Now the amount is going to be the big question.  Put too little in and reaching $30,000 will take forever.  Put too much in, and unless you are really in control of your spending, you might run the risk of getting in trouble.  In trouble because the savings account is to be treated as if it is untouchable.  Under no circumstances can you take out money from your savings account.  That is the whole point of it being a "savings" account.

Think of it in terms of how much you are personally worth every day.  Let's say you make $100 a day.  Of that $100 how much goes to direct, unquestionable, expenses, i.e. rent, power, water, gasoline / transportation?  Now remember this is daily.  Let's say $50 a day covers all your expenses.  Then you might have $20 in questionable expenses, i.e. cell phone bills.  That leaves you with $30 a day to play around with.  Let's say you put that into your savings account, which gives you 1% interest:

• $210 a week or $30 a day
• 1% interest rate
• compounded monthly

That comes out to be $114,855.00 after 10 years.

Let's say you only put in $10 a day, at 1% interest into a savings account

• $70 a week or $10 a day
• 1% interest rate
• compounded monthly

That comes out to be $38, 285.00 after 10 years.

You can see right off that aggressively saving is going to get you there faster.  If your goal is to get to $30,000 it would take you 3 years if you only saved $30 a day or $210 a week at 1% interest.  To get to $30,000 in one year at 1% interest rate you would have to save $80 a day.

Now most black folk only think of themselves, by themselves.  Let's think outside the box right quick.  Imagine that your entire family contributed to the savings account.  You could probably easily save $80 a day, or more.  If you consolidated your families expenses by moving together and sharing the expenses, you could probably cut everyone's expenses in half.  Yes, I am talking about your grown children moving home, or you moving in with your grown children.  Outside of the U.S. people live with their extended family under the same roof, quite frequently.  And, before you start going down the path thinking I'm talking about some poor 3rd world country, I am talking about Europe, very wealthy countries.  Only Americans consider it their duty to move out and double their expenses, like idiots.  Or worse, get into a house that takes away more than 30% of their salary.  You do know that mortgage lenders do not want to lend you any money if all of your monthly debts exceed 36%.  That includes house note, car note, cell phone bill, power, water, garbage, property taxes, gas bill.  So if you made $100 a day, you better not have more than $36 a day in total bills.  That is $1080 a month in bills.  If you are paying more than that, in total bills, you are living WELLLLL above your means, i.e. you're broke.

What Can I Do With Thirty-Thousand Dollars in One Year?

So we are going to save this $30,000 this year.  The next question is, what do i do with it?  No we are not going to spend it all.  We are going to go into business for our selves / family.  Of all the business ventures you could go into, real estate is still the safest to get into.  With $30,000 you can leverage yourself into most single family properties, that you are going to rent out to someone.

So the plan is to get into a nice single family home and rent it out for "cash flow".  First you have to prepare yourself.  Buy every real estate book you can get your hand on.  Keep in mind, no one book is going to have all the answers.  Even text book real estate books, do not have all the answers.

Next, become an expert in accounting. Read everything you can on accounting.  If you do not know about money, you will never keep money.  Understand that accounting is only going to tell you how money is tabulated.  However, it is a basic principle that is unquestionably necessary to learn.  Every Black person in America should know accounting to the advanced level.

Next, comes understanding taxes.  Every Black person in America should learn taxes inside and out.  So many Black people are raped by the federal, state and local government through taxes, it isn't even funny.  And, I used the word rape literally.  Black folks pay, per capita, the highest taxes of any other racial group and yet have the lowest median household income in the entire nation.*  There has got to be an end to it.  Know your taxes.  Take advantage of tax shelters and tax deductions.  Your children are your biggest way to save yourself from taxes.  While you keep pushing them away and telling them stupid crap like, "man up" and move out the house, you're killing yourself with taxes.  Idiot!  Stupid is, as stupid does.  Black folks shoot themselves in the foot, face and head all day long and then turn around and wonder why they're in the state that they're in.

I suggest you print this article out and sit down at your desk and plan out your year:

• learn everything about real estate
• learn everything about accounting
• learn everything about taxes
• save $30,000 this year

Now that sounds like a financial new year's resolution that you can achieve.

 Please visit my legal website: Las Vegas Nevada DUI Penalties
See me on YouTube: Seattle Cop Punches Black Teenage Girl

For Blacks: He Wasn't Man Enough for Me

Black Girl You're Doing it Wrong

Pay a million dollars for a sick beat, get a catchy hook and then lay down the most F*ed up lyrics talking about how a Black man is a douchebag, and you have a national hit.  You will be sure it will go to the #1 spot in no time.  Is there something to these songs?  Where are these songs coming from?  Are there Black men out there, just breaking Black women's heart after heart?  Where are these casanovas?  The answer is, there are none.  There is no mass Black man heart-breaking club.  Oh, I'm sure there are some male Black gigolos out there, don't get me wrong, but there is no lonely-heart club out there for Black men.  So where do these songs come from?

They come from music producers hell-bent on trying to bring the Black man down.  And, you buy it.

But, this article isn't about retarded folk who make retarded music and the retarded folk that buy it.  This article is about how YOU can assure yourself that you are not going to end up with a scrub.

There are More White People on Welfare Than The Total Black Population

The Truth about Welfare

Watch any talk show, conservative news show or read a liberal newspaper, and they all give the same message, "Black people are on welfare and have been for generations." In fact one presidential campaign made it their double-talk slogan, "no more generations of welfare recipients", "stop people living off the public dole." Republicans and Democrats alike all jumped on the bandwagon. News casters picked up on the slogan and asked the question, "who are we talking about?" They received no direct answer but were given the old, nod and wink "you know who we're talking about."



This lie that Blacks live off of welfare has been spread so far and wide and repeated over and over and over so much that common ignorant people have come to accept it as fact. In fact, even Black people themselves have accepted as fact. You have Black comedians accepting it as fact and then assuming it to be fact, make up jokes with that as the basis of their punchline.

The fact is, white people are a majority of the welfare recipients. In fact, white people make up more than Blacks and Latinos put together on welfare. In fact, there are more white people on welfare than there exist Black people in America. Let me repeat, there are more white people on welfare than there are Black folks.

Of all the welfare recipients, only 22% of them are Black. Yes, that's 1/5th of the welfare recipients are Black. That, my friend, is a small number. White people make up nearly 50% of all welfare recipients.

So how did this racist stereotype come about that Blacks are on welfare? Or, I should ask, how did people agree with it when there is such a huge white population on welfare?

One word: Ignorance.

If you are ignorant of the facts, people can tell you anything and get away with it. If you are ignorant of the facts, people can take your money and you not even know it is being taken. If you are ignorant of the rules, people can throw you in jail and you agree to it.

Oh those are some outrageous statements aren't they? Guess what? People have been doing that in this country for over 2 centuries. It has gone full speed in the past 40 years. Now the media is in on the game, so all bets are off. If people have an agenda to push, it goes all out like gangbusters because the media can loop the message day and night, every hour, on the hour. You cannot compete with the truth, when the media tells you a lie. If the media wanted to reverse the color of grass and the sky, don't you know people would go along with it? If the media looped, "new grass color discovered, blue not green; new sky color discovered, green not blue." The media has done it in the past.

For instance, marijuana is a plant. It has thousands of uses, such as: making paper; making clothes; making rope; making polymers. In fact, the plant is so great that every material it makes is better than any other material on the planet currently. Hemp is the name of the plant. Hemp ropes are far stronger than silk ropes. Hemp paper is 3 times better than wood paper; lasts longer without fading; and doesn't take toxic chemicals to make it into paper. Hemp clothing doesn't destroy the earth to create; they are far easier to wash; don't get dirty as easily; they repel stains. In fact hemp makes hundreds of medical remedies that pharmaceutical companies cannot duplicate. A man wanted to push forward his investment in wood paper. He made the hemp plant seem diabolical, so he enlisted the media. Within a year, hemp was made illegal and people were afraid to go near it and thought it was satanic.

Do you see the power of the media? If they can change people's opinion about a plant, of course they can change and manipulate social perceptions about facts that aren't real. Who cares if someone is racist? The problem is the media going along with the agenda and pushing it forward. And, it's not just one source of media. They all do the same thing.

Think back for one second. The latest news story was plastered on every channel, local and national centers. And, they always have the same facts. No matter how independent your local station claims to be, they jump on the same bandwagon everyone else does.

Let's look for a second at a huge national story: the Laci Peterson case. Here's a case where a Latina went missing, was 7 months pregnant and who's body was found decapitated and various parts of her arms and legs were missing;and her body washed ashore nearly a year later. In the media, they pointed to Scott Peterson. They found out he had extramarital affairs. Surely if he was cheating on his wife he must have murdered her. But wait! I turn your attention to another national story: the Evelyn Hernandez case. Here's a case where a Latina went missing, was 7 months pregnant and who's body was found decapitated and various parts of her arms and legs were missing;and her body washed ashore 3 months later. Woah!

Did you just have deja vu? Everyone knows Scott Peterson murdered his wife right? Uh, did he also murder Evelyn Hernandez? What's strange is, we actually know where Scott Peterson was the whole time. And yet, they still convicted him. In fact, they just assumed he did it.

The reality of the two cases were so out of this world, that no one wanted to actually speak it allowed. So, the media just convicted poor "horny devil" Scott Peterson, and we all just nodded and looked the other way. What's the reality you ask? Well since you asked. In the south west there are known and documented cases of witchcraft and occult secret societies. These cults perform heinous sacrifices. The police have documented cases of it. But, you don't hear it in the news for some reason. The media keeps it hush hush. So the cults are the truth, but a regular man is on death row. While he did cheat on his wife, it doesn't mean he killed her, nor does it justify him being put to death. Regardless of the feminist organizations that wish it so, it is not right.

This is a case of the media gone wild. And, we sit back and take it. I could pin point case after case, news story after news story that are false, bigoted, and passing on misinformation. Misinformation is the biggest and largest crime that is going on.

If you've been reading my blog, I've already pointed out that:

• Black unwed fathers spend more time and money with their children than any other unwed fathers.
• Blacks pay their debts on time and more often than other races.
• Blacks have a much lower divorce rate than other races.
• Blacks have less out of wedlock children than other races.
• And now, Blacks are the least people to be on welfare than other races.

All of these stereotypes the news and shows put forth, media. But, we all accept it as fact. We think because we saw it on T.V. it must be true. When in fact, the opposite is true. Could it be that people are basing life decisions off of lies? Could it be politicians are making laws based on lies? Could it be the Federal Government is making policies based on lies?

You're right they are.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Black Women are the Problem with Black Men

Black Women Single

Oprah Winfrey said it on her show, so obviously she and her staff have seen the same research I have: 70% of Black women are single. This has to be devastating news. And, before you ask about other races, I don't know. And, not to be blunt, I don't care, for the purpose of this article. I wrote an article, that seems to be quite popular: Top Ten Reasons Black Men Won't Date / Marry a Black Woman. Invariable the feedback goes along the same lines as the reasons the Black men gave in the national study on the subject: Black women's pride pushes everyone away, including Black men.

Black Women Dogging Black Men and Singing About It

Hate Against Black Men

There is a lot of hate speech, being put forth by women these days, started mainly by white women. Black women and the media have picked up this mantra. The notion is that they were so downtrodden, by men that they had to start a movement. The original version was women's suffrage. Don't get me wrong, women's suffrage is a great thing, however the movement was hijacked by nefarious individuals who had a much broader, yet hidden agenda that had nothing to do with the political and financial equality of women.

How to Fix Black Relationships

For Blacks by Blacks

The intended audience are only African Americans. If you are not the intended audience and you find what I say in here offensive, this is your opportunity, right now, to leave. No one is forcing you to read this, and I do not expect any disrespect due to you being insulted.

In this article I'm going to discuss the problems that present themselves within Black relationships. I will not mince words. I repeat, I will not hold back as to the facts, numbers and what my research so far has shown to be the problems affecting Black men and women today, in America. If you are hurt by anything said in here, I say take it to heart and look inside yourself to see if there's actually something about you, that needs to change. Because, something definitely needs to change.

Let's get some number out of the way right now.

1. 70% of black women are obese
2. the Black female is the most single person in America
3. 70% of black people are single, unmarried, without children

Ok I presented those brief numbers so everyone is on the same page.

In my previous article Top 10 Reasons Black Men Won't Date / Marry a Black Woman I listed 10 reasons black men have vocalized they will not date nor marry black women. The argument against the relationship seems, to me, to be one sided.

Black women have adopted causes that were not intended for them at all.

Women's Liberation

The single most divisive issue amongst Black men and women is the women's liberation movement. Black women flocked to this movement thinking it was intended for them. Their white counterparts invited them to join the movement thinking that the Black woman suffered the same inequalities that the white woman suffered. However, the Black man never treated the Black woman anywhere near the horrible way the white man treated his woman. The Black man saw the Black woman as an equal partner in the Black struggle from the beginning, that the first African slave landed on this continent. It is the Black woman who left the Black man by joining the women's lib movement. Mind you the movement has taken a very nasty turn, having been taken over by lesbianism. It is now something completely unwholesome to the furthering of a Black relationship. Heck it's completely unwholesome to the furthering of any relationship.

Please do not mistake the equal pay issue with women's liberation. The two are completely separate.

Black women did not need liberating from their black men. Black women from the beginning, due to the slave master dividing and conquering the slaves and breaking up families from the very beginning, had to raise the children, fathered by white slave owners, to the chagrin of their white wives. Imagine this going on, and Black men still took these Black women into their homes and made them their wives even after being raped by the white slave owners.

It's pretty much a slap in the face to then turn around and point the finger at Black men and say they are at fault for some reason. Black men have always accepted Black women, up until now.

The Inherent Problems with Black Women

The single most largest problem Black men have with Black women is: they are masculine. I know that sounds just ... wrong, but, that's what they, Black men, are saying. And, I totally agree.

"Why can't a man be a man?"

This is the tired mantra sisters put forth to try and switch the argument around. The reality is, the Black woman is masculine: acts like a dude. It is the worst characteristic a woman, who's in the prospect of some day getting married can have.

Black women are masculine:

• the want to run the relationship
• they want to be independent of the Black man
• they want to boss the Black man
• they talk over the Black man

White women's liberation never had these problems. White women's liberation was about political and financial equality. You see how the cause was never intended for you? Like idiots you took the movement way too far. And, because of it, you act like a man. What's worse, you then turn around and say why can't the man be more manly. You stole his pants, what more do you want?. Did you want to be single? If you don't want to be single, stop acting like a man. No man wants to date another man. Let me repeat, no real man wants to date another man or anything manly or anything masculine.


If You're not a Part of Us Then You're the Enemy

How did Black women fall so far off the wagon that they have turned on the Black man? What did the white woman say to convince you that the Black man wasn't being put down by the white man enough, that you need to beat him up too?

It is amazing that the Black woman has been right next to the Black man at the very instant they landed here, both as free men and as slaves. She has witnessed and suffered through the same atrocities that the Black man has gone through. Yet, now she acts as if all of that was a fantasy and the Black man isn't being put down, incarcerated, demonized, stereotyped on a daily basis. Today's Black woman acts totally against the Black man.

It's a sad situation indeed. Divide and conquer. Stop being weak minded. It's like in the Star Wars movies, where you'll see an in-your-face example of the weak minded, when the Jedi plays his mind tricks on people.

The solution

It's so simple, I'm sure you know what I'm going to say. Act like a lady. Go look up the definition if you're unfamiliar with it.

Stop dating worthless scrubs who are going nowhere. Very often Black women will date, or meet Black men who are on a "road to nowhere". Not only that, but they line up and take turns dating the chump. In the mean time, the Black man that's in college is being hounded by latinas, white women and any other woman with some sense. And, the Black woman looks up and he's a doctor with a White wife. What did you expect? I'm sure you've heard the saying "drop that zero and get with this hero". Stop dating trash. While you were busy dating trash for 10 years, the white woman has scooped up the best and the brightest.

"I love me a thug"

A zero you mean? Is that what I heard you say? Let me peep you to some knowledge. 99% of rap music is written by white men, with the intent to denegrate the Black race, objectify Black women, and elevate the worst in society. 85% of Black men have jobs and a home. The median Black household income is $30k a year. That means there's a whole lot of single brothers pulling in $30k a year and have their own home, while you're dating jobless zeros who live on people's couches. These stupid songs Beyonce sings, are not the reality of the black race. These ridiculous songs Lil Wayne sings, are not the reality of the Black race. Those are zeros.

"But they got money"

And they end up in jail and the feds confiscate all of their money and houses. Zeros!

Wear a dress. Be a lady. Stop dating zeros.

Asian women work just as much as Asian men. They have a 85% marriage rate. They have a median household income of $60k a year. Black women need to learn something from their Asian sisters. Oh and Asian women never joined the women's lib movement. They were aware that they were a minority and were very happy with their Asian husbands.

My hope is the the Black woman will read this article, become introspective and realize she is pushing away the very person she wants to be with, the Black man. We need to mend the Black relationship, get married and produce children. We need to realize that we are Black first, in everyone's eyes, then a Black man or a Black woman, and not the other way around. Black women need to love, honor, and obey their Black men. Black women need to nurture their Black men. If a Black man comes home, realize that the white man has beat him down all day long. You, of all people, should be the last person to try and emasculate him. The Black woman needs to mend and heal her Black man, stand next to him and be the lady he wants you to be.

Please check out my legal website at Las Vegas DUI Attorney
Watch me on YouTube at Shakaama Live

Top 10 Reasons Black Men Won't Date / Marry a Black Woman

Black Women the Most Alone



So many Black women are alone. The Black American woman is the single most, unpartnered person on the planet. [this is not unwed mothers, this is single women] Is there a rift between black women and black men? At first blush you would think that there would be no reason why a black man would not want to date a black woman. But, as in business, since we are in modern times and for the most part black people are not considered 2nd class citizens any more, the dating pool for black men is wide open. Black women now have to compete with all races to date black men. It might seem strange to the average reader that I would couch those words in that way, i.e. women competing for a man. However, that is exactly how the gender work. It is not the man that primps and preens himself, it is the woman. The woman primps and preens herself to attract the best possible man, not the other way around. If I were concerned about people's feelings, I'd try to beat around the bush, but seriously, there's a multi-billion dollar beauty industry. Do you really want me to kid around with you?

[UPDATE: I am taking applications for dating, Dark Black educated women to the front of the line, the rest, I'll get to you, if I don't find my love at first site first. ] [yes I got jokes]