Monday, August 31, 2015

Overcoming Family Financial Habits

While doing some reading on finances, I came across this article. I think you might get something from it.

Whether you realize it or not, your parents likely had a major influence on your financial habits. Studies, including the recently published
"Habit Formation and Learning in Young Children," show that the ideas about money you pick up during childhood tend to stick with you for life, whether you grow up just like mom and dad or have made choices in reaction to them.

"Most of our beliefs and habits take shape well before the age of 12, and that includes money habits," says Keith Whitaker, Senior Family Dynamics Consultant with Abbot Downing. "Most people may not want to believe that, but they know in their heart that it's true."

If your parents didn't talk about money, for example, you also probably feel uncomfortable when the subject comes up. If your family was always trying to keep up with the Joneses, you may equate money with success, and you may feel like you can never have enough.

If you strongly disagreed with your parents' financial habits, you may have reacted by choosing to take the opposite approach. But that too can be harmful when taken to extremes. For example, some people who grew up poor, or whose parents were extreme penny-pinchers, hated feeling deprived, so they may spoil their own children by giving them too much.

  • Potential harmful money habits you may have picked up from your parents include:
  • Overspending to show love
  • Extreme penny-pinching
  • Believing that money is the cause of world problems
  • Equating money with success and happiness
  • Associating money with personal conflict
  • Reluctance to talk about money

Whatever your money baggage, fortunately, you aren't stuck with it forever. "It is possible to change," Whitaker says, "but it takes a lot of work." He recommends these five steps:

  1. Reflect on your behaviors and feelings about money. Think back to your childhood and your parents' attitudes about money. Were they constantly fighting over money? Did they overspend and go into debt? Or were they extremely frugal? Try to recognize both the positive and negative lessons you learned from your parents, and how they affected your beliefs and feelings about money. "The first step in changing bad financial habits is becoming aware of your deep-seated beliefs about money and where they come from," Whitaker says.
  2. Focus forward and don't blame. While it's important to recognize your parents' influence, it's equally important not to assign blame, Whitaker says. "Blaming others won't help you move forward," he says. "Try to empathize with your parents and accept that they probably did the best they could do and, like all of us, they had their limitations. Show yourself grace, too."
  3. Clarify your goals. After you identify any bad financial habits that come from your upbringing, make a conscious decision to change. "Ask yourself, 'What are some other ways I can act?'" Whitaker says. If you tend to spoil your spouse and your children with monetary gifts, commit to spending time and having experiences with them instead. "Maybe you suddenly realize that you've been spending all this money on your child, but he's acting like a spoiled brat," Whitaker says. "It may be time to stop giving materially and start giving emotionally."
  4. Break big changes into small steps.  Rather than trying to change all at once, commit to taking a series of small steps in the right direction, Whitaker advises. If you're reluctant to create a budget with your spouse because your parents fought about money, start with one small piece of a budget. "Maybe you can do a better job of tracking your spending on just one type of expense, or saving for something specific," Whitaker says. "Instead of taking it all on at once, take on a manageable piece." If sharing specific numbers — such as the size of your estate — makes you queasy, you can start by talking about your estate in a more general way, without the dollar signs.
  5. Get help. Connect with people who can help you talk through your money issues and help hold you accountable. Friends, professional colleagues, counselors, or members of shared interest groups can help reinforce your desired behaviors and give constructive, positive feedback. And, of course, your relationship manager is probably your best resource on making good financial decisions. "As hard as it is, you can do something about your beliefs and your behaviors," Whitaker says. "I've seen it happen."

Wednesday, August 26, 2015

hip hop vol 4

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 

listen online

Monday, August 24, 2015

Beautillion Scholar

My name is Deion Dowling, son of Kyle and Sherice Dowling. I have been selected to participate in the 2015-16 Cotillion~Beautillion, sponsored by the Gwinnett County Alumnae Chapter of Delta Sigma Theta Sorority, Inc. and the Fortitude Foundation, Inc.
I am a junior attending Arabia Mountain High School in Lithonia, Georgia. I am a member of the Marching Rams Band, Debate Team and Future Farmers of America (FFA).

As a Cotillion~Beautillion participant, I have the opportunity to receive a scholarship for college based on the amount of funds that I raise. This program will assist in my personal growth through cultural activities, social etiquette, leadership and career development. The program culminates with a ball, March 5, 2016. I consider it an honor that I will be involved in such a worthwhile learning experience.

The donation deadline is March 1, 2016

Please visit the link below. Please share with your friends and family. Thank you for your support!

Wednesday, August 19, 2015

17 yrs old (12 Radio Show preview)

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.

9pm-11pm EST


Sunday, August 16, 2015

PODCAST: In the News


co-hosted by Vince & DLuvhall

Listen as we weigh in on different topics


Wednesday, August 12, 2015

In the News...12 Radio Show preview

3 microphones

3 great minds

3 sets of strong minded opinions

Tune in to the 12 Radio Show as we discuss a wide range of topics. Don't miss it!!

Co-hosted by Vince and DLuvhall


Wednesday, August 5, 2015

PODCAST: classic hip hop battles

"Back before the days of “beef”, Hip Hop was about battling, the battle for supremacy. All the emcee wanted to do was rock the party and be considered the best, and be better than whomever else was there

We would rhyme on the steps, in school, on the basketball court, or wherever we could. It was a competition to see who would get the most oohs and ahhs and who used words in a new or different way. Vocabulary was important, using current references was important, and most of the times in the one wrote anything!!! It was all off the top of the dome...

This was back in the day where a rhymer would hear something, get some money together cop some studio time and cut a response that week, and a song would come out in rapid fashion

No one was safe! If you thought you were nice, you were going to get challenged! I miss those days … the competition aspect of hip hop allowed the fans to really benefit from it because artists worked at their skills and word play and gave us dope material

You didn’t want to come wack
You didn’t want to be defeated
You didn’t want to look like an easy target
You wanted to be dope

…and this was when biting was not allowed. " -

On this episode, we will discuss some of hip hop's greatest battles, great diss records, their relevance in hip hop history, and some hip hop battles that NEVER happened.

Joining us on the show will be the hip hop historian and frequent show contributor, eclectik. Listen as we drop science on some of the best hip hop battles.