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life insurance
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Taji Mag Interview with Life Insurance Agent Auria Moore

Taji Mag was fortunate enough to catch up with Auria Moore, licensed Life Insurance! See her advice on a necessary, but seldom spoke of topic in our community.

life insuranceTaji: How did you dive into the life insurance business?
Auria: I was probably the least likely candidate for the Life Insurance industry. As a young teenager, I made a decision to be totally immersed in the fashion world. I wanted that “glamorous” life and pursued it through an education at Fashion Industries H.S. followed by a bachelors degree from the Fashion Institute of Technology. As I matured and became more aware of the world around me (not the fancy world I strived to be apart of, but the real world in plain view from my Brooklyn window), I began to feel a disconnect… a conflict of interest. I worked 50-60 hours per week, stressed over the sales of clothing… CLOTHING. Why??? Why was I making myself sick from the stress over something so trivial. And not just any clothing, but lines/brands that sell for, on average, $100 a piece yet cost $3 to produce. I was helping keep the 1% rich off of the blood, sweat, and tears of my own people. I came to the sad realization that my people (and I) needed a major wake up call and priority reevaluation. I experienced the life of a mundane 9-5…6…7 just to pay bills and put a little something nice on my feet or on my back. I learned there was something much more important that was IS missing in our community. And that’s financial awareness, financial preparedness, financial accountability for ourselves and our generations to come. I asked myself one question “Bobby and Susie have trust funds, why don’t we?”… the rest is history.

Taji: Why is life insurance important?
Auria: Life Insurance is not only important, but imperative for a number of reasons. The most apparent reason is the future protection for one’s family, estate, business(es), and any goals that have been worked towards passionately. Too many of us sadly have to go door to door, or most recently with the reach of social media, set up a “Go Fund Me” just to put a loved one to rest. It’s not bad enough dealing with the loss of a soul that can never be replaced, now everyone who depended on this soul will most likely endure physical and financial upheaval. A provider is gone and there’s nothing to show for him/her other than memories formed over the years. It’s just not fair. The less apparent reason is much greater than the here and now. My targetlife-insurance client is my urban community for a very specific reason. I’m a huge proponent of building Black wealth because until we can build our own and learn to support each other’s entrepreneurial endeavors with our own dollars, our opposition will always be able to break us down. There’s a statistic on the length of time the Black dollar circulates around the black community vs. other communities. Jewish dollars stay within the Jewish community for months. Asian dollars stay within the Asian community for weeks. On average, the Black dollar stays within the Black community for FOUR HOURS. We must build wealth amongst our own and hold onto it. The easiest way to do that is to inherit it and continue to teach our children and grandchildren about true wealth so that they are able to maintain and further grow the legacies we leave behind… and the best part of it all is that it’s so much more affordable than people think.

Taji: How affordable can life insurance be for someone on a low budget?
Auria: If you can afford to spend $25 on coffee or takeout over a span of 30 days, then you can afford to make yourself worth $1 million and pass that along to your family at the time they need it most. What does $25 do for you in a month? What can $1 million do for your family in a lifetime? It’s all about priorities and there’s no reason why your family shouldn’t be at the top of that list.

Taji: What are you doing to spread the word to people in the Black community?
Auria: I’m fortunate enough to be in contact with awesome forward thinking business-minded people like the production team behind Taji Mag. Features and community seminars allow me a venue to spread the word and continue to educate. Often, I am at Nicholas Brooklyn (located at 560 Fulton Street, Brooklyn, NY) just having discussions with like-minded and curious members of the community.  I will talk to any and everyone who will listen. I also rely heavily on word-of-mouth referrals and personal testimonials as any business owner does. If you are interested in making a better life for yourself and your family, I can be reached at (646) 673-3281. Feel free to call or even shoot me a text. I’m here for you.

Thank you Auria for sharing your insight and being available to our community. The more we know, the better we do!
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Two Black Men Open Mobile Shower for the Homeless

mobile showerLive Fresh aims to provide Palm Beach County’s homeless individuals and families with a fresh shower, personal hygiene essentials and, the opportunity to Live FRESH via their mobile shower.

“Feeling Revitalized Encourages Sustainable Happiness”

“We will select service areas throughout Palm Beach based on critical need and community partnerships with local government, local faith based groups and non-profit organizations that assist the homeless. We will use our premiere mobile shower /personal hygiene facility, to make sure everyone in Palm Beach County has the ability to take a Fresh Shower. We will provide access to personal hygiene essentials including: Towel Soap · Shampoo · Conditioner · Toothbrush · Toothpaste · Dental Floss · Mouthwash · Lotion · Sunscreen · Sanitary Napkins (for women) · Condoms. We will provide support and assistance where possible. In doing this, we create a platform for refreshed communities, who generate fresh ideas, and begin embodying the notion that Feeling Revitalized Encourages Sustainable Happiness. By means of Genesis Community Health’s “outreach/ visiting clinics”, we will provide healthcare that brings services to the homeless. These clinics offer various health screenings, HIV Counseling and Testing, and referral services, linking the individual to a primary care facility and overall care with other supporting and partner organizations.”

Interested in Helping?

Almost 2.5 million youth, under the age of 18, experience homelessness in America each year. This historic high represents one in every 30 children in the U.S. Palm Beach County ranks #2 in Florida for children living in spaces not designed for human habitation. The average age of a homeless child in Palm Beach County is 7…

Help them make an IMPACT by contributing today! With your support, they can make sure our homeless brother sisters and children in Palm Beach County can live fresh.

Want to help out in a different way? Click here to check out the Live Fresh Wishlist!

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Black Woman Business Grant
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BFABW is Granting $250 via the Black Woman Business Grant

Buy from a Black WomanBuy from a Black Woman (BFABW) is currently accepting applications for their Black Woman Business Grant. The Black Woman Business Grant is a small $250 grant that will be awarded to a black woman who is in the beginning phase of starting her business. This grant is to help with start up costs, legal form fees, supplies, or any other minuscule items that appear when starting a business. BFABW is a supportive movement to help bring awareness to Black Women business owners. Black Women are the least socially supported yet, the highest-ranking group of entrepreneurs in this country. BFABW wants to change the narrative for those Black Women who own businesses.

BFABW’s Mission: To educate, empower and inspire Black Women by providing the tools and resources that will allow them to be successful and socially supported.

 BFABW Vision: To be a trusted resource that helps educate, empower and inspire Black Women in business.

The Black Woman Business Grant is awarded once a quarter. This round’s winner will be announced April 19. Applications close 15 April at 5 pm EST. More information and applications can be found at www.buyfromablackwoman.com/#!black-woman-business-grant/k90k2!

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Facts Barbados
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“Facts Barbados” are Dope Playing Cards with Bajan History

Facts Barbados
Facts Barbados Inc. recently launched a product which showcases Barbadian history, proverbs, and the meaning to the proverbs. The deck includes 52 playing cards with facts about Barbados and old time Barbadian proverbs. They can be used as a gift or memento for family and friends, an educational tool particularly for children who may not know old time Barbadian sayings, and fun family & friend interaction. The deck is cool, easy to travel with, and only costs $5 BDS.

Follow them on Facebook, Instagram, and Twitter for more on Bajan culture.

 

 

 

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5 Black Children Owned Businesses
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5 Black Children Owned Businesses

Black Owned Businesses are so important to have in our community. However, it’s even cooler that young black entrepreneurs are starting businesses! Here’s a list of 5 Black Children Owned Businesses!

5 Black Children Owned Businesses

  1. Mo’s Bows

  • Moziah Bridges started this company in Memphis, Tennessee in 2011. He couldn’t find any stylish or cool bowties so he decided to create his own! His products have been featured all over!

Website: www.mosbowsmemphis.com

5 Black Children Owned Businesses

  1. BeeSweet Lemonade

  • BeeSweet Lemonade came to life when Mikaila Ulmer, at age four, was encouraged to make a product for the Acton’s Children’s Business Fair. Two events occurred; she was stung by a bee and her Great Grandmother Helen sent her family a recipe book from the 1940s that had a recipe for Flaxseed Lemonade. After this, she became obsessed with bees and how they impact the environment. Her Lemonade is sold in natural food delivery companies and restaurants.

Website: http://beesweetlemonade.com/

5 Black Children Owned Businesses

  1. Church Boy Clothing

  • Brandon D. Hill opened this boutique in Detroit, Michigan at nine years old. He started this business so people could afford dress clothes and casual wear for less. He works in his store on Friday evenings and Saturday afternoons and his family operates the business on weekdays. He sells consignment and new dress clothes, shoes, socks, belts, shirts button ups, denim, cufflinks, mens bracelets, and rings for young boys. He is putting his profits towards his college fund for Howard University.

Address: 8900 E. Jefferson Detroit, MI 48214 (off of Marina drive)

5 Black Children Owned Businesses

  1. Cory’s Cookies

  • At nine years old, Mr. Cory decided to sell hot cocoa because he wanted to give his mother enough money to purchase a car. He spent all of his free time selling hot cocoa, lemonade, and cookies in front of his home and the Roman Inn in Englewood, New Jersey. Later, he expanded his business and started to sell sugar free oatmeal raisin cookies for his health conscious customers.

Website: www.mrcoryscookies.com

5 Black Children Owned Businesses

  1. Maya’s Ideas

  • Maya started this company in 2008 when she was eight years old. She is an environmental activist, entrepreneur, eco-designer, and artist. She makes eco-friendly clothing and accessories. Maya even has international customers in Denmark and Australia. 10 to 20 percent of her profits go to environmental organizations.

Website: www.mayasideas.com

It’s so joyful to know that these children are helping out their communities while doing something that they love! List more in the comments and we’ll update this list!

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Serengeti Teas and Spices: A Harlem Fav

Serengeti Teas and Spices: Rushing down the street battling the wind and zig-zag walkers, I sigh in relief seeing the unmistakable ‘S’ sign a few feet ahead. Stepping through the door, I get the same feeling as if I were stepping into a sanctuary. The street and the wind are way above the frequency of the hushed tones and background music inside. With the door closing behind me, I notice that I too am on a higher frequency and need to come down. There are chairs to my left, chairs and tables to my right, and low counter seating ahead, all of which are filled by people who seem to issue a silent welcome. The natural lighting, the dark brown of the wood and walls coupled with the Black and White tiles, gives this place a warm and old school charm like only Harlem can. Floating on in, there are wall to wall shelves filled with canisters of—you guessed it—Tea. I can’t help but take slow steps to read the names on each group of differently decorated and colored metal cylinders. “Tanzanian Usambara Breakfast Tea” “Nairobi Street Chai” “Masai Hibiscus Berry Fruit tea” “Tanzanian Dragon Claw Black Tea Rose Blend”. The two Men behind the counter—yes, Men—have a certain agility about their movements that you know they know exactly what they are doing. One even has on a shirt that says ‘I love my job’ and I can’t help but think ‘I love your job too’. Opening the menu handed to me I cannot believe how many teas are on each page and how many pages there actually are. As an avid, almost fanatic, tea drinker, I am beside myself with excitement; that is until I realize that I have to pick just ONE. Decisions decisions; fine, okay, I want Chai (My Defaultea—get it?). I love Chai tea; there is just something to the spice and full body of the flavor that encompasses my soul. Anyhow, even having narrowed it down to a category, I am left with multiple choices that I simply cannot handle; time to ask the experts. Waiting at the counter, I do not want to interrupt the craftsman (you have to see it for yourself), but before I can build up the nerve, he lifts his head and comes to my rescue. What can I get for you?” I wish I knew. I panic and ask him for the Spiciest Chai they have, and he asks me if I want milk. Of course! Would I like it sweet? Of Course! Is there any other way to drink Chai? With a chuckle and a retort, he is back to the far end of the counter to concoct my potion. It is now a few minutes after my arrival and having played hop-scotch with the women walking to the bathroom and Mr. “I Love My Job” carrying full pots of tea to tables across the room, I decide to take a seat. I am in the far left corner of the space, which seems to give the best view in totality. I almost feel tucked away, as if someone saved me this spot, next to the glass jars of curry powder and Cocoa for sale. The door opens a few more times, and with each entrant, their bustling is adjusted by the calm and ambiance of the Teas. The couple off to my left, seated at the ‘bar’ below the large clear vats filled with bright iced teas with lemons, is deep in conversation over their pot to share. Those sitting at the two-person tables across the room seem to have found space for privacy while still remaining a part of the over-all feel. Continuing my gaze back toward the counter in what seems to be perfect timing, my cup is ready. One of the best things about tea is often the smell, and with one full inhalation through my lid, I know I am in for a treat. First sip: Heaven. I asked for Spice and got more than I imagined. Second Sip: Heaven and a scolded tongue. I think I will wait; I did order a tea to go, right? Payment is made and Thank you’s are given, of course there is a ‘come again’. “I live in Brooklyn; you all are going to have me traveling to Harlem for tea!” And with a light laugh, I am back onto the street, in the wind and stream of people. I grasp my cup of tea holding on to my bit of peace (an unexpected gift from Serengeti) and stride toward the train station; I will definitely be back soon.

Written by Lauren “Lola Valentine” Jones about a windy day in late April of 2015 at www.serengetiteasandspices.com.

Serengeti Teas and Spices

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Sponsors for the Taji Mag Vol 3 Release Event

MUCH LOVE TO OUR SPONSORS!

The OMhh Store | www.OhMyHeavenlyHair.com
Shop NayMarie | http://shop.NayMarie.com
TheOneWillFocus | www.TheOneWillFocus.com
Saphya Shoe Straps | www.Saphya.com
Rubylipsllc | www.rubylipsllc.com
ZenBaby | www.etsy.com/shop/ZenBabyCrochet
Viclay | www.Viclay.com
Vel-j-re | www.facebook.com/veljre

YaYa’s Cakes | www.facebook.com/yayascakesny
Papi Wine

omhhyaya2papiRL1WF2saphya2Shop NayMarieViclayBusinessCardaWVeljreZenBaby

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The Alhambra Ballroom Proclaims Bridal Royalty

Each year, Harlem’s historic Alhambra Ballroom celebrates the start of the wedding season with a showcase of culinary delights in the opulence of their Grand Ballroom. Beneath the draped chandeliers, local wedding vendors joined in to display their specialties in bridal services for budding couples. For this years event the Alhambra welcomed a refreshing, new approach to their presentation lineup, Bridal Royalty, by showcasing ethnic bridal gowns created by TeKay Designs “Queen of the Brides” gown collection. The Queen of the Brides is a prestigious and award winning luxury brand with design and production in Houston Texas and Ghana, Africa. The Fashion Designer, Ms. Kimma Wreh is internationally recognized for her ethnic inspired, and Afrique-Chic fashion creations.

“Queen of the Brides introduces a re-imagination of the conventional wedding. When we saw photos of these dresses on the Internet we knew the Queen of the Brides gowns would be a great fit for our bridal showcase.” explains Alhambra’s CEO Tracey Dechabert. Harlem is a place of history, ethnic diversity and there exist a cultural pride about African aesthetic. Harlem’s brides need to see that there is a cultural alternative to contemporary bridal fashions. The gown, just like cuisine can set a tone to your wedding day that intuitively shares your families heritage. The fusion between cultural fashions and cultural foods can be an experience that resonates throughout generations.” Says Dechabert.

Queen of the Brides offers formal gown creations that includes quality pieces of jewelry that reference a historical time period. The collection exemplifies diverse cultures, as each gown represents a woman of royalty who has left an indelible mark on humanity. The collection includes gowns named after Queen Nefertiti, Queen Cleopatra VII of Egypt, Queen Cleopatra Selene II, Queen Ankhesenamun of Egypt, Mumtaz Mahal – Mughal Queen of India, Queen Manta Tisi of South Africa, Queen Padmini of India, Queen Amina of Zaria Nigeria, Queen Nzingha Amazon of Matamba West Africa, Empress Candace of Ethiopia, Queen Consort Margherita of Italy, etc. The menswear line is culturally inspired  with aesthetic themes that ranges from historic to contemporary design.

“We are really honored to have been asked to present Queen of the Brides to the Harlem community. New York is a melting pot of ethnic cultures and that’s what makes this city an ideal place to present gowns that represent queens from varied cultures. Now, anyone can express their heritage and be a royal bride.” Explains Fashion Designer, Kimma Wreh.

The bridal showcase was interactive, entertaining and offered a variety of food dishes for sampling. The fusion between fashion, food and music stimulated every sense to create an experience that offers couples unique cultural ideas for creating their special wedding day. Dechabert states, “Harlem is also growing more culturally diverse and we wish for this bridal showcase to be all-inclusive with vibrant cultures.  At the Alhambra, we take pride in delivering on request for many types of international cuisine from our ethnically diverse clients.”

www.tk-designs.com | @TeKayDesigns
Queen of The Brides - Harlem, NYC, Bridal Royalty Queen of The Brides - Harlem, NYC, Bridal Royalty Queen of The Brides - Harlem, NYC, Bridal Royalty Queen of The Brides - Harlem, NYC, Bridal Royalty Queen of The Brides - Harlem, NYC, Bridal Royalty Queen of The Brides - Harlem, NYC, Bridal Royalty

Photos by:

Macintosh Smith & Manonce Manonce
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Fashioning Our Economics by Uri B.

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Fashioning Our Economics

Fashioning Our Economics: The quest to secure our financial futures often eludes us as the future can seem so far off. The idea of ‘the Joneses’ and other symbols have been used to propagate a culture of consumerism within our communities. While hypnotized by their possessions, we fail to consider how the Joneses acquired their wealth. We can’t name wealthy African Americans (that aren’t entertainers) without stuttering, yet, our continuing to save for $1500 monogrammed handbags or identical chronograph watches pulls us further away from our financial freedom while allowing others to maintain theirs.

As a recovering shopaholic (self-diagnosed) on a journey to financial freedom, I would like to humbly share key lessons I have learned on managing finances as a young business owner and future law student; this list is in no particular order nor is it exhaustive. We’ll have moments of weakness, but it is paramount you don’t beat yourself up! This is not a sprint; bear in mind the light at the end of the tunnel is a new house and even better: an economy built For Us, By Us.

~ Save at least 20% of every dollar you receive. This includes monies earned from the 9 to 5, the side gig and the “just because” cash Aunt Jackie balled into your hand; EVERY penny counts.

~ Set a budget and penalties if violated. Making the budget is easy, but sticking to it can be hard. However, if you want to save money you can’t spend it- that simple. Be sure that you are setting reasonable expectations for yourself by including lines for pampering and entertainment. Various online banking apps have customized settings where you can get alerts about balances, deposits, and bill payment dates. If you violate your budget, set penalties such as paying double the next week or skipping a night out.

~ Stay away from store credit cards! They will eat you ALIVE! The interest is ridiculously high and it just encourages you to spend money that you don’t have.

~ Cook more… eat fast less. Eating lunch out every day will drain your pockets. Set time aside to go to the grocery store to stock up on what you need to prepare meals for the week. You can search for *recipes online to keep it interesting and tasty. It’s a healthier option that saves you a few bucks every month and maybe even takes a few inches off the waistline. What more incentive could we need right?

~ Date night in. Now, I love a night out as much as the next person, but the drinks, food, entertainment… it all adds up, especially if you’re out every weekend. Instead, you can stay in and invite other couples over for game night or have your own wine tasting with a few bottles of wine and make a cheese and veggie platter. I promise you, it’ll be a lot more romantic and comfortable.

~ Be trendy and shop thrifty. Designer labels and department stores do not serve us, the faster we realize this the sooner we can take control of our economy. According to Bianca Bailey for Atlanta Black Star, our “… designers represent less than 1% of apparel products sold in department stores, yet… the black community is on track to spend 1.1 trillion dollars by 2015.” Needless to say, if they aren’t checking for us we need to check on ourselves.**Thrift stores and consignment shops are great places to get great fashion forward pieces with character at a reasonable price.

~ BUY BLACK. In order to build our economy we must contribute to it. Our people are represented in every industry, it’ll just take some perusing to find them. Your budget is a great place to start the initiative; dedicate at least one line item to supporting black business per month. And please lets try not to complain about price points because you did not consider that when you purchased Mr. Monogram or your latest time piece. No one else can build our individual and collective wealth but us, so let’s get to Fashioning our Economy!

*http://www.forharriet.com/2014/10/five-black-women-food-bloggers-to-know.html
**Shops to check out in Bedstuy, Brooklyn are Tracy Chambers Vintage and Calabash, both owned by dynamic black women. Bianca Bailey is the creator of Consignments Cousin’s Vintage, a source for everything vintage in the Atlanta area.

Written by Uri B.

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