Video of the Week: Simone Biles

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Bonding With Your Family

by Kim Valerio

The fun that you can bring your family will always be treasured. There are available activity which you can spend time with the whole family. Adventure places are now offering a complete package for the family to enjoy while on vacation. They have a lot of activities available that all ages can participate. These will really build good relationship to each member of the family. With this attitude you are already building your strong relation with them while enjoying. There are also different adventures for the parents.

The choices of the right things to do are also very important in planning in whatever type of vacation idea they will have. This will make sure that no one will feel uncomfortable while on vacation, every member of the family will try to enjoy each prepared activities. Participating in every activity is also important to make sure no one is bored. During spare time you can also have an opportunity to discuss interested things with the whole family, this is one way to open up stories that will give time to every member to listen and will also lead to a much better relationship. The variety of foods prepared will make this a much enjoyable time because everyone will really enjoy eating.

If there is one thing to consider why to have this plan with your family are the kids. The participation they will have will really mean a lot to every activity. The ability to react on every task you will give them will also show if they are really enjoying what they are doing. The encouragement you will show them is important to develop their skills and confidence.

Next are the teenagers, observed more with these ages because these are the one that really show different attitude while doing activities. How they react is very important. The way they treat each other will also show on how they respect toward each family member. Each parent is aware that children at this age must be guided accordingly, they start to become more aggressive on what they are doing and they can easy adapt influences that lead them in a miserable life if they are taken for granted. With a strong family tie there is less worries that this will happen, with the idea of spending time with the family will really make your relationship stronger. Enjoy the fun with the whole family while having this kind of activities.

Families who are having fun by treating each other is very important to make sure that you do not keep secrets that are not important. Spend time to relax and enjoy at least once a week. This will motivate each member of the family to be more open and learn how to share ideas. The best thing in this world to make anyone become a complete person is to have a family to enjoy every moment with.

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Photo of the Week: Exercise! 

Video of the Week: Boarding Passes

Car Buying Tips: New Cars, Used Cars – Pros and Cons

J. D. Rucker

New car smell can be added to a used car. Rebates and discounts can make a new car priced like used. There are many different opinions on the advantages and disadvantages of buying a new car. There are just as many opinions regarding used cars. The real question is, “Which car is best for you?”

Some very wealthy people have never bought a new car in their lives. With so many super-low mile used cars out there, what’s the point of paying thousands more for a few less miles?

Then there are those who refuse to buy used, regardless of their financial situation. They would rather buy a brand new beater than get into a high quality vehicle that has had someone else behind the wheel.

After all is said and done, it really comes down to personality and goals when deciding between new and used cars. The 20/20 rule applies – 20 percent of people will never buy new, while 20% of people will never buy used. For the other 60%, this article is for you.


Between huge dealer inventories, the option of dealers trading and bringing in a vehicle from another dealership, and custom ordering becoming more popular, the selection factor goes hands down to new cars.

For popular vehicles, it is definitely possible to find a used car. The internet makes it simple for someone to search around the corner or across the country for that perfect used car. Still, it’s nothing compared the options available with new.

Price Matters

Even in today’s ultra-competitive new vehicle market where MSRP has been replaced by Invoice as the starting mark for price negotiations, a car still loses 10%-20% or more of its value the moment it hits the street.

Low mile used cars a year or two old can be dramatically less expensive than its brand new counterpart. There are exceptions – Honda, for example, tends to lose less off the top because they rarely have rebates and their reputation is very strong.

Other than the few exceptions, a used car is normally dramatically cheaper than a new one.

Interest Rate

For the 95% of us who borrow money and make car payments, interest rate becomes an issue. New cars are less of a risk for the lender, so their bank rates are lower than on a used car. The manufacturer loan divisions make it even more appealing to buy new with 0% financing available on most vehicles at some point after their release.

Two or three points against a $30,000 loan can mean big money on a 4-6 year note. For shorter loans, the rate is less important.

Loan Term

While the rate is normally lower for new cars, the term is usually longer. A prudent buyer can get the same payments on a used car that they can get on a new car, only for fewer payments.

There is also the option of extending the term on a used car purchase to the length of a new car. Vehicles last longer. There are loan companies that will extend a note to 6 or more years on a 3 year old vehicle because they expect it to still be running after that amount of time. In those cases, the payments can be much cheaper than on a new car.

Peace of Mind

Going back to the new car smell, the new car knowledge is very appealing. A rough driver who doesn’t do car maintenance and likes to drive 90 mph in their Kia Rio can really hurt a vehicle, even with low miles. When you buy a used car, you take the risk of getting that car and not knowing the bad things it went through for months until it starts having problems prematurely.


Vehicles are not like homes. They depreciate, regardless of what happens to the market. Some depreciate less than others, but no matter what, every day makes it worth less than the day before.

Used cars have already absorbed the initial depreciation and are closer to leveling out on the depreciation scale. The first 2-4 years of a vehicle’s life result in a loss of up to 75% of its original value. In the first couple of years of a standard 5 year note, it is nearly impossible to trade in a vehicle that was bought new with no money down and not have negative equity.

With used cars, it is still difficult, but not nearly as hard as it is with new cars.

Final Thoughts

How often you trade, how well you negotiate, and the make and model of the vehicle you buy will determine a lot regarding the pros and cons of a new or used vehicle. Prudent buyers will seek out dealerships such as New and Used Cars in Oklahoma City to help determine which is best.

If there is no local dealership that is trustworthy enough, do the research online. Check out Kelley Blue Book for new car values and Los Angeles Used Cars | Memphis Used Cars to compare used car prices.

Information is the key to making a good decision, whether you buy new cars or used cars.

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J.D. is a freelance writer and Search Engine Optimizer specializing in automotive websites and car dealers. His clients include New and Used Cars in Oklahoma City and Los Angeles Used Cars | Memphis Used Cars

Photo of the Week: Black Business Month


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Video of the Week: Friendship

In recognition of Friendship Day on August 7th, I dedicate this video to my friends:

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When Inspiration Meets Destiny

by Chuck Gallagher

“A person often meets his destiny on the road he took to avoid it”. (Jean De La Fontaine)Many people go through life searching for meaning and purpose. Some people don’t think about anything other than what they are doing today, while other folks do nothing but dream. The question that many find hard to answer is, how does what I do today tie into my dreams and destiny? When we get caught up in the toils of everyday life, we often find that our awareness is clouded by daily activities. Perhaps it’s hard to see how what we do can have greater meaning and purpose in life, let alone manifest an outstanding destiny. One thing is for sure; deep down we all want our life to mean something.

It seems that some find destiny early in life, while others find it later. Some are caught up in basic need to survive, while others stumble right in to living their dream. Many early successes are seen in the performing arts. I’m sure at their early age, Paul McCartney or John Lennon had no clue that playing music would leave such a rich legacy. The lyrics to the song, “Imagine” craft such a beautiful concept of where we could be in this world. The Beatles, to some, were just a longhaired group of teens strumming guitars. But their destiny, found early in life, has left us with a rich heritage of music with deep meaning.

Others have found their destiny long after they found success. Oprah Winfrey has always wanted her life to mean something. She has a burning desire to be an inspiration to people and to generously share wealth that has been entrusted to her. As part of that, she has created boys and girls clubs in the town she grew up in, because as a little girl she began dreaming of her own possibilities. Likewise, she has created the Oprah Winfrey Foundations. Ms. Winfrey believes that educational opportunities allow for possibilities to grow. She has given a great deal back to the world and yet, it was when her academy for girls opened in Africa that she felt she met her destiny. Oprah says, “All my adult life I have been searching for a way to give back what I’ve been given. It wasn’t until I fell in love with the beauty and the spirit of people in Africa that the act of giving came full circle for me.” ( By touching one life it will reproduce itself hundreds of times over. What a wonderful gift to the girls and women of Africa. They are given the opportunity to live the possibilities of their lives through their uplifting and the education they will receive.

Another example of how inspiration meets destiny is the story of Jack Canfield, the speaker and author of the Chicken Soup for the Soul series. Jack states so clearly on the documentary movie, The Secret ( that he discovered through his mentor that he was raised with a very negative viewpoint about money and therefore he, too, had such an attitude. Since we attract what we think about, he was not making money and not allowing his passion in life to develop. He was inspired but, by his own thoughts, getting in the way of his destiny.

He learned that whatever a man can conceive, a man can achieve. He decided that he wanted to earn $100,000 in a year. So, thinking he should apply the principle he learned, he created a $100,000 dollar bill and put it over his bed. This way every morning when he awoke and every evening when he retired he would visualize the money coming to him. To some this may seem hokey…but if more people applied the principle, achieving one’s destiny could manifest more quickly.

One day, while showering, Jack had an inspired thought. He determined that if he sold 400,000 books at $.25 each, he would earn $100,000 that year. The problem was, he didn’t know how that would happen. But the idea made sense – inspiration! The next day, while grocery shopping, the National Enquirer magazine jumped out at him. Perhaps he could market it there…after all, it was widely read.

Shortly thereafter he was giving a talk to teachers. After the talk a woman approached him wanting to interview him. She was a freelance writer for the National Enquirer! The article was published and his books sold. He made almost $100,000 that year. His inspiration met his destiny in the sum of all those events. Jack Canfield’s ( Chicken Soup for the Soul series has inspired millions to understand that life has meaning at a far deeper level than what we often experience day to day. He has helped many come to understand just how we can achieve rich and meaningful lives showered with success.

For me, inspiration and destiny came in an unsuspecting way. Expecting to succeed and manifesting what I wanted never seemed to be hard. I suppose that I was, what some people call, an unconscious competent. That means, I didn’t know how I did what I did, I just did it. Nonetheless, for years I felt that my inspiration and destiny was to create wealth.

Having grown up in the projects, early on I didn’t know what wealth was, but I knew that it had to be better than what I had, and I wanted it. While others living in the projects saw their life as a dead-end street with no future, I saw where I was as a stepping-stone to something far better. I knew I was capable and after college strove to be “somebody”. Achieving success legitimately required effort, but was not hard. Unfortunately, patience was not one of my strong suits. Therefore, in a moment of temptation, I made an unethical choice and stole money from one of my clients. Every choice has a consequence. The moment we make the choice the consequence is set into motion.

The consequence of that first lapse of ethical judgment and other lapses that followed was Federal prison. It was there, that my destiny was formed and my inspiration was found. Having lost everything, I found, through a simple program that allowed select inmates to speak to youth, that my destiny was to use that experience in a way that could help others see the wisdom of making ethical choices.

Today, I speak about choices, the illusion of success and what it means to truly be “somebody”. With the strong push for success that drives corporate America and the need to gain a competitive advantage for our youth, I find that many, both youth and adult, are confused about ethical choices and success. It seems that the two concepts are at odds and many are confused about how to achieve, what I call, “Ethical Success.” As a Sales Executive in a publicly traded company and a keynote speaker, I share programs on issues concerning ethics, the illusion of success, and achieving inspiration and destiny. While my audience is primarily business groups, the Choices Foundation (a non-profit organization) was created to offer the opportunity for youth to hear the same message. Through this organization, I am able to address college and university students, teaching these principles from personal experience. I find this inspiring and my destiny.

For information on the Choices Foundation (a non-profit organization) and the presentations on ethics given by Chuck Gallagher, contact Chuck at or visit

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On a crisp October day in 1995, Chuck Gallagher took 23 physical steps… opened a door… and began a new experience that was life-changing. Gallagher explores that experience and the success that followed… while involving the reader in ways that could be life-altering for them. Gallagher captures the heart of the audience in an honest way that deals with human emotion. For information on Chuck’s keynotes and workshops go to or for a free ezine on Ethical Choices contact Chuck at

Photo of the Week: Stay Away From Easy


Click here to read more on anything worth having won’t be easy.

Video of the Week: Stand up! Vote together!

Click here to read more about Rev. William Barber, II.