Wednesday, September 30, 2015
We're BACK!!! The 12 Radio Show is back on the air!
On this episode, we'll talk about various hip hop topics. Join us for an informative and introspective look at hip hop.
Join host 12kyle and special guest, Q the 6th Man.
If you're a fan of Hip Hop, you DON'T want to miss this show!
Tonight's show will air from 9pm-11pm est.
You can call in (347)215-7162 or
Tuesday, September 29, 2015
Here is a pretty good article that I found the other day. You may find it useful...
What secrets about managing money do the rich know that the average person doesn't?
Below are some strategies that helped the rich get rich:
1. Track spending.
Know where your money is going. Look at your bank and credit-card statements every month. You'll uncover certain expenses for things you're not even using, such as club memberships, subscriptions, and automatic charges for services you've never used. Often these automated charges occur after you enroll in some "free" promotion, where the free part expires after a promotional period.
2. Periodically audit expenses.
Many expenses can change over time — like insurance costs. They can go up or down over time. Make sure you are paying the lowest insurance rates for homeowners, auto, and life insurance. Check your health insurance. You could be paying for dependents who left the nest, are on their own, and have coverage through their employer. Cable and internet costs can increase without you being aware of it. Calling your cable or internet provider to secure the lowest fees available should be an annual process.
Periodically shop cellphone plans. Increased competition in the cellphone industry is driving down monthly rates. Make sure you aren't paying more than you have to.
3. Purchase good quality used cars.
New cars lose value as soon as they come off the lot. Buying good quality used cars allows you to take advantage of this loss in value anomaly prevalent in the auto industry. Forty-four percent of the rich in my study purchased good quality used cars.
Typically these are cars coming off a lease. They may be two or three years old. At 125,000 miles, most cars will require some annual repairs. Expect to incur about $1,500 a year in repair costs when you hold on to cars beyond this 125,000-mileage mark.
That is still significantly less than you'd spend on a loan or lease for a new car.
4. Use coupons.
Even the wealthy in my study engaged in this money-savings habit. Thirty percent of the rich used coupons to buy food. Why pay more than you have to on groceries or other expenses?
5. Keep your housing costs below 30% of your monthly net pay.
Contrary to what you've been led to believe, most of the rich don't live in McMansions. Sixty-four percent of the rich in my study live in modest homes.
6. Bargain shop.
Far too many make spontaneous purchases, paying more than they otherwise would. That's a Poverty Habit. Shopping for bargains and taking advantage of sales events is a Rich Habit.
7. Take advantage of credit-card reward dollars.
Many credit cards have rewards programs attached to them. Typically, these rewards programs generate reward dollars that you can use at participating vendors. For example, the American Express reward program gives you about .88% back on every dollar you spend using an American Express credit card.
One of the participating vendors with American Express is Barnes and Noble, and 50,000 American Express Rewards Dollars translates into $500 in Barnes and Noble gift cards. You can buy 20 $25 Barnes and Noble gift cards and give them out as gifts for occasions like birthdays and holidays, and it'll cost you nothing.
8. Establish savings goals.
The rich make a habit of allocating their savings into different buckets, or categories. In order to do this, you need to establish an overall amount of savings you're willing to set aside each month.
For example, if you decide to set aside 10% of your monthly income, you might allocate 5% into your retirement bucket, 2% into your specific expense bucket, 1.5% into your unexpected expense bucket, and 1.5% into your cyclical expense bucket.
9. Automate the savings process.
This is where the rubber meets the road: implementation. Automatically direct each of the above savings amounts into each bucket's separate account via automatic withdrawal from your net pay or from your bank account. Automating your savings forces you to live below your means because you save first and spend what's left.
Money management is a process. Accumulating wealth is a process. It's all one big process this thing we call financial success.
But if you don't have a process or adopt good money habits, like the rich in my study, you will never be able to save. It just won't happen.
When you develop good money habits, you feel like you are finally in control of your life. It's empowering and it will increase your wealth over time. Keep in mind that it took most of the wealthy in my study 32 years to become rich. Accumulating wealth takes time and discipline.
Saturday, September 26, 2015
Thanks for checking out another edition of the 12 Radio Show. On this episode, I’m joined by the usual suspects…Rashan Jamal and eclectik.
This episode was recorded nearly 3 yrs ago (8/29/12) but it’s as entertaining as a recent show. We kick it and reminisce about childhood and growing up in the 80s.
We present to you...Childhood Memories!!!
Saturday, September 19, 2015
On this episode of the 12 Radio Show, I’m joined by my homie, eclectik. The concept of this episode came about when I asked him to join me for a show.
He said “what are we going to talk about?”
My response…”I’m not going to tell you!!!”
Unlike any of the other episodes of the 12 Radio Show, he has NO IDEA what I’m going to ask him. The only thing that he knows is that it will be a ton of random, off the wall questions! The questions aren’t meant to “stump” him…or you…the listener…but they are questions that make you think! The questions are wide ranging and speak to your personality and thoughts. To his credit, eclectik did a phenomenal job.
Check us out and tell me what you think. We present…theRandoms
Wednesday, September 16, 2015
Me & eclectik
You NEVER know what will be said when we get together to do a show.
I've got a list of random, off the wall, entertaining, comical, probing questions that I will ask him but he has NO clue about what these questions are.
Be sure to follow on twitter and facebook because we'll be posting the questions there and you'll want to answer them
Join us tonight from 9pm-11pm EST for theRandoms!!!
Tuesday, September 15, 2015
Here is some information that I came across a few days ago...
The whole point of Facebook is to share your life with other people. You probably have more than a few friends who fall into the over-sharing category. But don’t snicker. You may be one, too, and not even know it.
Here are five personal tidbits Facebook asks you to share that you’re much better off keeping to yourself.
1. Your phone number
It's a really bad idea to add your home or cellphone number to your Facebook page. Prank callers, stalkers, scammers and identity thieves would love to use this information against you.
Not only that, but there’s a Facebook trick that works pretty much most of the time. Anyone can use your phone number to search and find your Facebook page.
One security researcher, Reza Moaiandin, took it a step further and found he didn't even need to know a specific phone number. He wrote a program to generate every possible number in the U.S., U.K. and Canada, submitted the numbers to Facebook and got back information from millions of profiles that had poor privacy settings. If he had wanted to, he could have turned around and sold the information on the black market to hackers who build and sell "fullz," or packages of identity information.
If you do give your phone number to Facebook, be sure to hide it in your profile.
Go to Facebook and click on your name at the top of the page. When your profile page loads, click the "Update Info" button in the lower-right corner of your cover image. Go to "Contact and Basic Info" in the left column and next to your phone number click the "Edit" link.
Click the "audience selector" icon, which will either be a globe or a silhouette of two people or a lock. If you see the lock, you don’t have to do anything. But if you see the globe or silhouette, change it to "Only me." Now no one can see your phone number, and it won't show up in searches.
2. Your home address
Post a picture of your recent vacation or major new purchase and this puts you at risk. Think for a moment of all the terrible things that might happen if some nefarious person knew your home address. Remove it from your Facebook profile.
Follow the directions in the last section to get into the "Contact and Basic Info" section of your profile information. Look for "Neighborhood," and if there's an address there, click the "Edit" link next to it and wipe out the information. Then click "Save Changes."
One other place you might find your address is under events. If you create an event, it will likely have your address, so people know where to go. If that accidentally gets set to Public, then anyone can see it.
Either delete the event right after it happens, or tell people who are coming to message you for the address. Be sure to check back through your history to get rid of any old events or posts that have your address in them.
3. Anything work-related
Try not to leave any information on Facebook that reveals where you work. If someone from your workplace tries to search for employees on Facebook, she might find a post or photo she doesn’t like.
Similarly, if a hacker wanted to figure out whom to target if he wanted to break into your workplace's computers, social media would be his first stop. Of course, hackers are more likely to hit LinkedIn first.
Bonus tip: If you're worried about coworkers or employers creeping on your Facebook profile, then change these three basic features.
Again, you can use Facebook's timeline tools to do a scan of your past posts. Remove any information about your current job, especially if it's of a complaining nature. If you have posts about previous jobs, you might want to remove those as well. A current coworker or supervisor you decide to friend might see them and it could color her opinion of you.
4. Your relationship status
Including your relationship status on your Facebook page just invites awkwardness. The number of "likes" that you might get from people after you change your status from "married" to "it's complicated" will creep you out.
Certain relationship statuses are also a draw for cyberstalkers. At one point, there even was a Facebook app that would notify you if friends you flagged changed their relationship status to "single."
Don't forget the scammers out there who specialize in sweetheart scams. They use social media, email and dating sites to create a romantic connection with you and then swindle you out of money. You don't want them to see that you're single on Facebook and get ideas. It's easier just to remove your relationship status entirely.
5. Your payment information
Facebook is free, but it still wants your credit card number. Adding your financial information lets you buy gift cards and other products straight through the website. How convenient!
Of course, one of the best ways to accidentally get your credit card charged for something is to leave your Facebook profile open on your home computer. A small family member or a "joking" friend at your home could use it to spend money on something straight through Facebook. You don't want that to happen, do you?
Open your Facebook, click the upside-down triangle in the top right corner and choose "Settings." In the left column select "Payments," and then on the right go the "Account Settings" tab. You can see if you have any saved payment information and remove it.
This also keeps it out of the hands of any hackers who break into your Facebook profile.
This also keeps it out of the hands of any hackers who break into your Facebook profile.
Saturday, September 5, 2015
PODCAST - 17 yrs old
On this edition of the 12 Radio Show, we take a look back. We remember our lives at 17 yrs old. While it may be hard for some of you to remember back that far...we do a pretty good job on this podcast.
We take a look back at our world at 17. My co-hosts, LMarie and Ieisha, join me for 2 hours of fun!
Find out who was madly in love at 17...
Find out who viewed themselves as "delusional"...
Find out who spent $300 on a jacket then spilled bleach on it...
Rock with us for another edition of the 12 Radio Show...
Wednesday, September 2, 2015
*We could not do this show two weeks ago due to technical difficulties with blog talk radio...but we are BACK tonight..*
Remember when you were 17 years old?
I think we saw the world and ourselves differently at the age of 17.
We were no longer kids but we had yet to step into adulthood.
On this week's show, we'll take a look back at the 17 year old you. We'll ask questions to you and the audience about being 17 years old.
co-hosted by the ladies from the Soul Survivors Crew...LMarie, Ieisha, and Samantha.