It has been stated that the best time to plant a tree was years ago, the second-best time is today! And in terms of improving our credit standing, it is imperative to take actional steps today, if we are to accomplish our financial goals as a consumer.

In a recent episode, a credit expert authored a book encouraging teens to start familiarizing themselves to how credit scores can impact their future since the educational system has fallen short in this regard.

In this blog with your permission, I will speak about improving our credit history, succinctly, forthrightly, and without any gingerbread. Therefore, I encourage parents to help their teens to prepare them for the real world of credit, however, many parents find it a taboo to discuss this subject with their own, often because their own credit standing, in many cases, is tenuous at best.

​When you hear a familiar piece of music, how does it affect you? Does it transfer you into the realm of unforgettable memories? Does it soothe your nervous system and puts you into a pensive state of mind? Speaking for myself, it does the foregoing and much more.

In a recent episode, an Author, Entrepreneur and Musician talked about his mother who was encumbered with dementia; however, the power of music had a calming effect and would bring her to the time in history when she first experienced that music. These moments were incredibly special to her, she was transported back in time, and it confirmed to my guest that she was not entirely cognitively lost, he said.

Of course, this is only one case in point, however, a growing body of research suggest Listening to or making your own music affects the brain in many ways that may assist to encourage good health and manage chronic pain. We must ask ourselves as to what is going on neurologically.

When we think in terms of curiosity, immediately we may think of the idiom "curiosity killed the cat", which implies that being curious can lead to a precarious or dangerous situation. From my perspective, However, curiosity is a wonderful thing that is conducive to wanting to know, adding enrichment to our repertoire of knowledge.

In a recent episode, two professors discussed the book they authored, making a valid assertion that curiosity is the power of making connections, therefore, it is something we practice in lieu of a personality trait, but deals with the quality of investigation prompted by making connections based on our ongoing growth of experiences.

The quality of curiosity makes for exploring and looking for the answers in connection with our personal interests, always pondering on questions that cover our personal spectrum of interest which varies from one person to another. Hence, if it were not for this quality, we would not have had the Einstein’s of the world.

It has been understood that we think      around 400 words a minute, called inner voice or internal chatter, and sometime in the process a word or two will slip and become audible. Does that resonate with you? I wonder, how many of those words are positive or negative self-talk.

Positive self-talk is without question a powerful method for increasing self-confidence and suppressing negativity, which only creates unwanted anxiety and stress.

In a recent episode, a former National Super Heavyweight Boxer spoke of his story of growing up doing poorly academically, socially, and so many times bullied by his schoolmates until he had reached a point of either giving up or fighting back.

He decided to join a gym, however, it was several miles away and it took him about three hours one way which afforded him the time to self-talk, and this was the beginning of turning around in making a personal difference.

The practice of fasting has a long history, in the 5th century the “father of medicine”, Hippocrates was known to make recommendations for food abstinence for those displaying health conditions.

What is daily Fasting? To capsulize the concept, daily or intermittent Fasting is a practice we all engage without realizing it and is interrupted by your morning break-fast or first calories or caffeine.

In a recent episode, a medical journalist was inspired to author the "The Oldest Cure in The World” because of his own health issues and in his research made some amazing discoveries of which I hope to share with you in this blog.

Did you Know Roku means six in the Japanese language, representing the fact that Roku is the sixth company Anthony Wood started in 2002? And because of this company and similar providers, TV cable is going by way of the dinosaur in a big hurry.

In a recent episode, my guest discussed the best streaming TV devices we can take advantage of when eliminating cable TV. And in this blog, I hope to share some tips he revealed and much more for the sake of free family entertainment.

For the longest time I resented the fact that TV cable had a monopoly on the industry giving you the ultimatum of entertainment packages, take it or leave it. I decided the latter when there are so many options that you can choose and not be committed contractually to a cable package.,

When we are asked how old we are, it gives reference to how long we have been existing from birth, it is straightforward, cut, and dry. However, when you are asked how you feel from a physical standpoint, it is referring to your biological condition or constitution, which can be positive or negative from a health standpoint. So, my question to you, what is your preference of physical measure?

In a recent episode, a 91-year-old active athlete told me he does not feel his chronological age. Why? And in this blog, we will examine the dichotomy between chronology and biology, which I find fascinating.

My guest, at the age of 61, began his training as a track and field sprinter and after so many awards authored the book, A Sprint to The Gold: How I Won the National Senior Olympics Without a Coach or Trainer.

As you walk down the sidewalk, ever seen a little delicate white bloom of a beautiful and stubbornly determined flower surrounded and wedged in by concrete? You cannot help but to be fascinated by its delicate beauty, its resilience and its vulnerability as people amble, saunter and trudge over and around it without any concern by most yet appreciated by a few. I have seen grown men be awed by its wonderment and compelled to get on their knee to examine it closer and even take a picture. I am not a professional environmentalist by any measure, but we must admit that our natural abode or home is dynamic, stirring and moving as we consider that each one of us is an integral part of nature. So, we must ask ourselves, what can I personally do to enhance and encourage the beauty in my natural living space?

With that said, in a recent episode, my guest elaborated on how we can contribute to the betterment of our entrusted environment by practical tips and tricks as an immediate plan of action.

​When we think of New York, we think of the Big Apple, when we think of Chicago, we think of the windy city, however, when we think of Los Vegas, we think of Sin City because of its well-known unfettered avarice nature. And is it not true humans have the propensity to dub a country, a city, and of course, a person by their reputation or their legacy?

But on the other side of the coin of greed, there is altruism or the concern for the welfare of others, unless they are hiding behind philanthropy for the purpose of recognition, fame or to receive accolades which falls into the definition of greed, this disparaging human behavior is so insidious to say the least.

In one of this week's episodes, and author shared the history, the psychology and the methodology scammers or fraudsters deploy to satisfy their insatiable appetite of greed for personal gain, and it has been ongoing since time immemorial.

The story goes this way, a mature fish while swimming encountered two young fish and asked, "how's the water?" The two young fish quickly replied, "what the heck is water!?" Is it not true, many of us get used to our day in and day out of life that we just do not question our personal world? And in today's context of our discussion is the choppy waters of our indebtedness. If you are someone that does not appreciate plain talk, this blog is not for you in terms of considering the trappings of debt.

In this week's episode, a financial expert who authored the book entitled Going Broke Is No Joke! 52 Money Tips Everybody Should Know, where she shares the realities of personal finance, especially, for the sake of those in underserved communities.

Do you know that debt reveals a lot about ourselves? Yes, it is all based on our cultural environment which demands immediate gratification, and it affects our psychology as a consumer.