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Should I Buy A House Vs Buying An Apartment Complex


If you’ve never owned any real estate and your in the market looking at homes and apartment buildings, you make want to consider who’s going to pay for that piece of real estate.  Let’s say you’ve found a house you like and an apartment building in the same area.  The mortgage on the new house is $1500.00 and the apartment building is $1500.00. 


One person decides to buy the new house for his family.  Now, he’s the only one responsible for that piece of real estate.  So, if he loses his income, he’s going to more likely lose the house and hurt his credit.  Now the other person decided to buy the 4 family complex.  His mortgage is also $1500.00, however he decides to rent out 3 of the units for $500.00 each, which covers his mortgage.  So whether he has a regular income or not his still keeps his piece of real estate. 


Also, the second person decided to add solar panels to the property and switch everything over to electric, and increase rents to $850.00 for each unit.  He decides to pay all utilities for those three tenants.  He gains an extra $1050.00 in rental income and he still does not have to pay any of his income into this piece of real estate.  He also gets to save up to buy the house the first person lost and the tenants from the apartment complex are paying for that house to. 

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When trying to decide whether to use a credit union or a bank when applying for a credit card. There are a few factors to consider.


1.) With a credit union you are a member, or a stakeholder. With a bank you are simply a customer. Banks are for-profit institutions and their goal is to make money for the stockholders of the company. A credit union is not-for-profit entity and their goal is pass through the profits to the members. This comes in the form of added member benefits such as low fees and low rates.


2.) Its a misconstrued opinion that credit unions have limited branch and ATM locations. However, many credit unions belong to larger networks, such as the Credit Union Service Centers.


3.) Most credit unions offer credit cards just like a typical bank. What isn’t so typical are the exceptionally low APR rates they offer.


4.) Credit unions have many available ATMs, but they are also fee free! The average fee for an ATM is $2.33 and is on the rise. Now if you use your bank issued ATM card at a third party ATM, then you just doubled your fees. With a credit union ATM card, you can withdraw your own money fee free as long as it’s at a participating ATM. Even if you withdraw money from a third party, you may have to pay their fee, but most credit unions don’t charge for the transactions themselves. I’m too busy to walk into a branch office every time I want to withdraw some money, and I feel that I shouldn’t have to pay hefty fees when I do.


5.) At a credit union, credit cards, home equity loans, mortgages, auto loans, and personal loans all enjoy lower rates than you will find at a bank. At the same time, savings, checking, money market, and CD’s have higher rates. I don’t typically endorse putting any significant amount of your money into savings and CD’s as inflation tends to outpace them, however, most people feel more comfortable doing so and they might as well earn a higher rate!

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Save 90% on Food Buys

Start getting FOOD SAVINGS up to 90%

No cost to use this program!!!!


Of course savings is big part of creating your financial portfolio and legacy. Food is a necessity. Financial Saving is also a necessity

Using coupon on demand will help you save!!!!!

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It's All About the Heart

It's All About the Heart

Smokey Robinson sang, “Take it one heartbeat at a time.  Close your eyes and let your soul unwind.”  Michel’le sang, “Something in my heart, something in my heart it’s got me hooked on you.”  Al Green asked, “How do you mend a broken heart?”  Stevie Wonder said, “Show her your love with a dozen roses.  Make sure that she knows it with a flower from your heart”.  The Emotions sang, “You’re the one with the key to my heart”, and in the movie "Love Never Was the Issue- Episode Three: The Heart of the Matter", Ty Causey sings, "Is there a place in your heart to let me love again?"  All of these songs are about the heart, and "Love Never Was the Issue- Episode Three: The Heart of the Matter" is about the heart, too.  It is a love story about healing the Physical Heart, the Emotional Heart, and the Spiritual Heart.  It’s All about the Heart!

Love Never Was the Issue- Episode Three: The Heart of the Matter

streaming at

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Go Get Your Blessing! If You Missed It...

click here ---> <--- click here

Listen to your favorite Gospel and Praise music on The Alynetta Beck Gospel Experience Radio Show!

Every Sun. morning at 8am CST on KHAM Radio Station!
Call (318) 221-5422 for info.

If you missed the Alynetta Beck Gospel Experience as heard on, click the link below to listen to last week's archived show.

The Alynetta Beck Gospel Experience - If You Missed It


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Honoring Mom Doesn't End on Mother's Day

Mother’s Day is the day we celebrate the Heart and Soul of the family.  But how healthy is Mom’s Heart?  Heart disease impacts women more than any other disease.  That means Mom needs to make sure her heart stays healthy. 

Love Never Was the Issue- Episode Three: The Heart of the Matter is the story about Olivia Wilson and Sanders Wilson, a divorced couple who reunite after Olivia is stricken with a heart attack and Sanders volunteers to be her caregiver.  As the movie chronicles how Olivia and Sanders navigate the challenges in their new relationship, an abundance of important information about the causes of heart disease, how to prevent heart disease, and insight into rehabilitation from heart disease is woven throughout the story.  The movie serves as a unique and powerful platform for women’s heart health that educates, enlightens, and inspires.  It is a love story that promotes the healing of the Physical Heart, the Emotional Heart, and the Spiritual Heart.

Streaming On Demand at:



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Looking Sexy is Part of Feeling Sexy.....

Corsets have a long history. They bring all type of thoughts to mind. 

The corset has been an important article of clothing for several centuries, evolving as fashion trends have changed. Women, as well as some men, have used it to change the appearance of their bodies.

The corset first became popular in sixteenth-century Europe, reaching the zenith of its popularity in the Victorian era. The earliest image of a possible corset was made ca. 2000 BC. The image is of a Cretan woman, and the article of clothing depicted might be perceived as a corset; however, it is worn as an outer-garment. While the corset has typically been worn as an undergarment, it has occasionally been used as an outer-garment; corsets as outer-garments can be seen in the national dress of many European countries.

The term "corset" is attested from 1300, coming from the French "corset" which meant "a kind of laced bodice." The term "stays" was frequently used in English from c. 1600 until the early twentieth century

Now corsets symbol sexual power and freedom. Here are some designs that just shout I'm powerful. Click on the pictures for more information.


Taryn Waist Training Underbust Corset (797) Authentic Steel Boned Black Brocade Underbust Corset 20 Spiral Steel Bone, 4 Flat Steel BoneFront Length: 14 inch (35.5 cm)Side Length: 11.7 inch (29.7 cm)Back Length: 12.0 inch (30.50 cm)Fabric: BrocadeLining: 100% CottonFront Opening: Metal Busk


Eloise Gothic Corset Authentic Steel Boned Black Brocade & Faux Leather Underbust Corset 14 Flat Steel Bone, 2 Spiral Steel BoneFront Length: 11 inch (28 cm)Side Length: 9.5 inch (24 cm)Back Length: 11.5 inch(29.20 cm)Fabric: Brocade & Faux LeatherLining: 100% CottonOpening: Side Coil Zipper



Aliza Brocade Gothic Corset Authentic Steel Boned Black Brocade Overbust Corset 12 Flat Steel Bone, 4 Spiral Steel BoneFront Length: 14.5 inch (36.8 cm)Side Length: 12.5 inch (31.75 cm)Back Length: 13.0 inch (33.02 cm)Fabric: BrocadeLining: 100% CottonOpening: Side Zipper

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How Do You Achieve Your Goals

It is easy to feel stuck when you have not accomplished your desired goals. Achieving your goals makes you feel good about yourself and that you are on the right track in life. For this reason it is important to know how to get the assistance we need to usher us to success. Building community, mentoring and coaching are resources that are available to help you realize your business goals. Below are some suggestions on how to use these resources to achieve your professional and personal goals.

Building Community

One of the best uses of the Internet is that it can connect us to information and resources needed. At this time in the world, whatever your interest, you can find a group or community talking about it. In these online communities you can find information to further your progress in reaching your goals. You can also become a resource for someone who may post a question that you have the answer to.  Doing this can makes you feel good and gives you a sense of empowerment. 

Being part of a community also helps you know you are not alone. Most of the time when we feel stuck it seems that everyone in the world is moving forward but us. Actively engaging with others that have the same goal and working through similar challenges, helps you feel understood and motivates you to continue.  It helps you ‘focus on your potential and not your limitations’ as Alan McGinnis stated. Focusing on what you can do helps you be in a mental space to achieve your goals.


Another resource that helps you reach your goals is getting a mentor. When you are working towards a new endeavor that you do not have any experience or knowledge of, a mentor is valuable.  Overwhelming feelings arise when you working toward a new goal. There are times when you have no clue how you are going to achieve your goal.  A mentor is a person that has already achieved your goal, so they can see how you will be able to succeed. They have been where you are and understand your challenges. They can tell you what obstacles have to be removed to acquire your goals. In addition to these benefits, they can also tell you the various strategies to use to attain your goal.

Professional Coaching

Another resource to aid you in achieving your goals is working with a coach. Coaches are professionals that can help you identify the right strategies for you to use based on your life responsibilities. They can help you remain on track and offer ideas that you haven’t thought of that will be time efficient and effective. Like a mentor, they can also see you in the future with this goal achieved – they can see the best of you and for you when you feel lost in the details.

Although reaching a goal can feel like a daunting task, there are options that can help you. We live in a time where a lot of answers are at the end of our fingertips. Replace the feelings of stress and being unfulfilled by taking steps to find information or people that can help you achieve your goals.

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Importance of E-Presence in the Google Age
By []Maria Lisa

In the world that we are living in today, we want everything to be a click away and internet provides the platform to do just that. Many term an IT expert as the engineers of the modern era and why not it is due to them that we can buy, sell, learn, teach and do pretty much everything that comes to mind. Websites and web designing play a pivotal role in today's society. Long story cut short, a well managed website brings profits and recognition to any business.

In the digital age websites are the most effective tools to attract customers and the best way to utilize this tool is to have as much and as easily understandable information as possible information displayed on your websites. As the end user loves web pages that save their time, cost and energy.

To have a compact website that covers all aspects and gives the user all the information that he desires through a simple yet attractive interface the web designer needs to know what exactly the customer is looking for, one has to get into the shoes of the customer and understand his needs and preferences like his own. i.e the website developer or the designer or for that matter even the programmer should know exactly what information does the customer need, how to facilitate him/her and keeping things clear and simple without compromising on presentation.

Bottom line is website development must be precise, on the target and object oriented in order to get maximum output.

Coming to the technical side there there are various diverse technologies being used for website designing. Some of the major technologies that are being used most commonly are as follows:

Server-side scripting (e.g PHP and ASP)

Markup languages (e.g HTML, XHTML and XML)

Style sheet languages (e.g CSS and XSL)

Multimedia technologies (e.g Flash and Silverlight)

Database technologies (e.g MySQL, MSSQL)

Client-side scripting (e.g JavaScript and VBScript)

Furthermore websites may also be divided into static and dynamic depending on the utility of the website and the designing budget. A dynamic website usually comes along with a content management system using which you can easily update content sitting anywhere in the world if you have access to internet.


The benefits of having a website are countless in this era that would be remembered as the GOOGLE age for the years to come. Here are some very important advantages of website development and having an e-presence:

1- 24/7 access to customers/users whenever and wherever they want it.

2- Having an online presence means you have a global presence, meaning feedback from any part of the world is made possible opening new avenues to expand your business and getting recognition.

3- Comfortable way to do business, all you need is a laptop and an internet connection to be a businessman doing business worldwide sitting on your living room couch with all the comfort you need to work efficiently.

These and many other advantages make []website design ing & []website creation and development a hot cake in the market and make you realize that doing business is not so hard anymore. All you need is a little bit of determination, a whole lot of skill and some patience.
That is the secret behind having a successful e-presence!

Article Source: [] Importance of E-Presence in the Google Age


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How to Change Your Thoughts

News reports and social media can spark fear in our minds at times. Media’s delivery of national and international health issues, political attacks and the state of the economy can make us feel vulnerable, and we begin to worry. In these times, it is important to have a personal strategy to process these messages in a healthy and honest manner.

It is valuable and healthy to feel compassionate for others and world situations. However, allowing the messages to paralyze us mentally where we replay stories in our minds can be counterproductive to us and the situation.

The negative media you replay in your mind affects your emotions and ability to be productive. It’s important to identify those habits that take you off task such as watching the news or reading social media posts.  Once you are aware of what is taking you off track from working on your goal, you can change it.  This realization can also help you choose a better way to manage the information you hear about world events in a constructive way.  As you continue to be aware of world events, choose behaviors that will honor your humanity about the incident without losing yourself in the information. There will always be events that happen in the world that are disturbing and cause you feel a host of emotions, but it is important to know what you can and cannot do to help. Worrying and losing focus on your personal goals and responsibilities is not always the right choice.

Learn to practice exercises that bring you back to yourself. Take the time to feel the emotion that comes to you for you. Be honest and embrace your emotions for a period.  Can you help in a way that honors your feelings and that is constructive?  If you cannot change the situation, acknowledge this truth and be compassionate and return to your life’s responsibilities and goals where you can make the best affirmative impact. Take the time to bring your mind back to the space where it can serve you well. Read material that will bring your thoughts back to a place where you can take in information with perspective. Come back to yourself.

When you realize that you have thoughts that take you away from your goals and responsibilities, this is the time to get help and support to create an exercise that will help you change your thoughts back to your goals and dreams.  Reaching your goals means keeping them in the forefront of your mind and taking actions that will lead you to the realization your aspirations.

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Calling Africa


If you're a business person in Nigeria or Ghana, please contact me. I'm looking for a secure drop off and also seeking information about pop up shops, I know that landlords in Africa prefer to let long term but times they are a changing.

Anyway if you're in either of these locations or you have any helpful information please get in touch and we can speak more via email or whatsapp.



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Importance of Vision in Life

The purpose of your life becomes important as you get older. This is especially true when a person matures from imitating their heroes and mentors. Just as Oprah stated in an interview, she realized she could be a much better Oprah instead of trying to be a Barbara Walters. When we reach this point, we focus more on having a vision for our lives.

Having goals is the beginning step to forming a vision for your life. When we set a goal and achieve it, the next step of growth is becoming excellent at that skill/talent. Upon excelling at a skill, the question or innate inclination will begin to nudge at you asking “is this it?” Or, as Miles Davis experienced early in his career, someone will point out to you that you are excellent at imitating someone else. However, the knock of opportunity comes everyone gets the call to be unique. Answering this knock means you develop a vision for your life that is larger than your goals, it is your life’s vision.

Just as goals direct our energy and attention in a constructive manner, having a vision reveals your purpose. Although developing a vision for your life brings you to the mature understanding that you are working toward something larger than yourself, it does require you to think and be uniquely you. You begin to think about your legacy and being part of something that contributes to others in a good way. To catch the vision for your life, you have to think independently asking what makes you come alive.

Naturally, you are unique. You are the only version of you that will ever be on this planet. It is right for you to believe you are distinctive, extraordinary, and you are here for a purpose. Also, it is important to know life is a learning process. This truth with the practice of goal setting and achieving goals will help you recognize your life vision. This vision will escalate you to the next level of your amazing life. It will demonstrate your value and each day you will get up with a purpose.

Once you clearly identify the vision for your life, you will work tirelessly. Start now by paying attention to what you are good at and like doing. Listen to the compliments others give you about what you do well. Keep a list of these skills and qualities to become conscious and to excel at these talents. Cultivating your excellence in these areas will connect you with others that like or need what you do well. Your excellence, achieving your goals, and becoming aware of your unique skills leads to the vision of your life. Your vision will then drive your life to the stratosphere of an extraordinary life experience that contributes to the world while bringing you to your purpose.

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 A while back, I attended a college graduation ceremony and observed something that verified something I already knew; but hadn’t actually thought about. Seated in front of me was a young mother and next to her was her newborn baby. The infant couldn’t have been more than two weeks old as it sat in the plastic car carrier oblivious to the world. What I observed was this mother’s constant and deliberate attention to this new person. Every few seconds she would look inside the carrier to see if everything was alright. The baby was sleep, yet the new mother kept watch much like a mother robin does with her newly hatched babies; or like a mother lion does with her baby cubs. And it occurred to me that there is a special bond between child and mother that is pure and natural. It cannot be duplicated. It cannot be replicated. Grandma doesn’t have it. Auntie doesn’t have it. And definitely Dad doesn’t have it. That bond between mother and child is like no other bond ever created. You can’t describe it. You can’t study it. You simply have to know that it is.

And while the bond gets tested many times as a child grows, the bond remains intact. Mom will defend you to the Supreme Court if need be, yet be your harshest critic when you act a fool. I instinctly knew that this bond existed, but when you get to be grown, sometimes you have to be reminded of what you know. That’s what the woman at the graduation ceremony did. She reminded me that the Spirit created the bond between mother and child to be like no other human connection on earth, and because of that, we are blessed more than we can ever comprehend.



What is all this noise about Mother’s Day?  Why are people breaking their necks to celebrate this manufactured holiday created by the greeting card companies?  All your mother ever did for you was:

*Carry your butt for nine months while being your sole source of survival.

*Provide immediate nutrition at her bosom the minute you were born.

*Change your smelly diaper after you messed all over yourself.

*Protect you from dangers that you never even knew existed.

*Be your first teacher about being Careful, being Fair, being Honest, and being


*Believe in you when you didn’t have the good sense to believe in yourself.

*Be the first person to Love you unconditionally.

So now you pick one day out of 365 to buy the flowers, the candy, the necklace, the dinner that the advertisers tell you to buy so that your mother is celebrated appropriately.

This is what your really mother deserves.  She deserves to be able to say her prayers at night and be able to thank the Lord for a child that is Responsible, Caring, Safe, and Happy.  A child that does the Right Thing, because it’s the Right Thing to do.  Your mother loves you unconditionally, and always will.  So be worthy of that love by simply being a better child, a better citizen, a better person.  Instead of making the flower companies and the phone companies rich one day a year, make your mother Proud Everyday.  Do that, and Everyday will truly be your Mother’s Day.

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