Did You Check Your APR?

When comes to credit cards and loans be sure to check the facts about the annual percentage rate (APR) before signing on the dotted line. Is fixed or variable? Under what circumstances can it be raised?

Suggested Reading:4 Keys For Smart Credit Card Use

Great Black Speakers Bureau – Al Duncan – African American History Month Speakers

Great Black Speakers features Al Duncan as one of its premiere speakers for Black History Month.

Great Black Speakers Bureau Launches New Line of African American History Month Speakers

Duncan Nugget® #74: Emotional Mastery

It takes 3-5 seconds for the chemicals that produce emotions to flood your system. So the age-old aphorism about counting to ten before you respond has an equal amount of science and common sense behind it.

Real Estate Q & A: Invest in Real Estate?

Q: What’s up Al? I need some advice… I’m livin here at school and I just recently rented a house… my old land lord currently wants to sell my old house for about 78k. I was thinking if I bought the house then rented it out it would be a way to get a income… what do u think? –(Russell H., college student)

Identity Theft Tip 4

When is the last time you checked your credit report? Have you ever checked it? Here’s a tip:

Be sure to check your credit report at least once a year. Get a free credit report from www.annualcreditreport.com

Suggested Reading: 4 Keys For Smart Credit Card Use

Inside The Mind Of Celeste Francine Jackson

“Tolerance leads to cooperation; cooperation leads to unity, and unity leads to progress.”

–Celeste F. Jackson

A couple of years ago I was having a great time conducting a seminar on personalities and thinking styles. During this interactive seminar I used a few of the students as examples. Out of those students, one young lady in particular stood out and the end of the seminar we started talking.

In order to find out if I was really on my game, she challenged me to identify her thinking style. (That’s what I love about Millenials—they are open to new ideas and very skeptical at the same time so you better be on point when dealing with them.)

She gave me a big smile to signal her approval as I identified the correct thinking quadrant for her and then she told me her name: Celeste Jackson.

Duncan Nugget® #23: Productivity

People always ask me a question:

“Al, where do you find the time?”

They want to know how I am able to have over 100 speaking engagements per year, write dozens of articles, maintain two blogs and two websites, run two businesses (currently starting a third), serve on two boards, chair a steering committee, volunteer for over hundred hours per year, mentor dozens of students one on one, and have time for my family. The answer is simple:

I don’t try to find time; I make time.

For example:

By spending 1 less hour per day surfing the web or watching TV, you will have an extra 28-31hrs. every month to work on achieving your goals. That’s 336-372 hours per year!

Suggested Reading:
A State of Mind Called Time