Even though there are a few ways you can try and accelerate the process, it takes time to build credit. Credit cards can be one of the best ways to do so, and if you commit to using them properly, it can be worth the time you spend strategizing.
I've never been very good at saving. I'm a spender -- shoes, trips, nights out, you name it. It's a fact that became especially apparent to me when I found myself saddled with $10,000 of credit card debt after graduating from college.
Last Monday I was arrested in Ferguson, Missouri, along with dozens of other clergy, seminarians, and people of many faith traditions. As a white, middle-aged, married, mother of three and a rule-abiding Presbyterian, this was a new experience for me.
Being black or brown isn't the problem. Neither is my childhood dream of having a house full of black and brown babies. The problem is white supremacy. I don't mean the still-dangerous KKK or Aryan Brotherhood. The white supremacy I'm talking about is much quieter.
While it is true that, by far, the overwhelming percentage of black people in the South were doomed to spend their entire lives in slavery prior to the Civil War, it is also true that a small percentage lived as free citizens. And some were even able to prosper.
This is political gamesmanship of the lowest order, playing on media and public fears over a legitimate and terrifying health crisis, to again belittle Obama. And with the stakes sky high in the 2014 midterm elections, the dirty political pool by the GOP was totally predictable.
Dr. Gloria I. Joseph has a treasure trove of memories of the renowned Audre Lorde, her late partner. Joseph's long-awaited new book, The Wind Is Spirit: The Life, Love and Legacy of Audre Lorde, gives us a rare glimpse of Lorde, as told by people who knew Lorde or whose work was greatly impacted by her.
During the Weekend of Resistance, activists joined many actions planned by the youth organizers. On Friday, October 10, despite an intense rainstorm, hundreds marched in Clayton, Missouri demanding that the county prosecutor step down.
Every student desires professors that understand and respect them, and minority students only want the same: Instructors who are trained to deal with cultural issues when they arise.
The tea party and other elected extremists cannot bring themselves to believe that voters just aren't buying the poisonous policies they're trying to sell. So they operate under the belief that if you won't vote for them, you shouldn't vote at all.
If scholars and adherents of Vodou are to be believed, consistent portrayals of 'voodoo' practitioners as barbaric, violent and most of all as African-American, not only influences public perception of our religion, but perception of African-Americans.
Over the past two weeks, community members in L.A. have held a vigils to mourn the death and celebrate the life of Aniya Parker. The murder of Ms. Parker marked the eighth homicide of a transgender woman of color reported in the U.S. since June. She was shot in the head and killed as she was fleeing from three men who had confronted her on a sidewalk in Hollywood.
Vice President Joe Biden got the tongues furiously wagging again after a recent meeting with black ministers in South Carolina.
It's been said many times that having a low credit score can hurt your finances. In addition to the recognizable consequences, there are a few lesser known, but still hazardous, effects bad credit can have on you.
Back in 2009, I traced the then-new First Lady's family tree back four or five generations on all branches, but of all the ancestors I uncovered, it was a great-great-great-grandmother named Melvina Shields McGruder who captured my attention.
Bleak numbers surround the national high school dropout rate. Many of society's other problems -- like unemployment, poverty and overcrowded prisons -- can all be linked back to the individual decision to quit high school.
Here was a woman, a black woman no less, making tremendous strides in business in a time before women even had the right to vote.
Fourteen years ago, a then-15 year-old Monica Denise Arnold burst on the music scene in 1995 with her 'Miss Thang' debut – making history as the youngest singer to ever have two consecutive chart-topping hits on the Billboard Hot R&B Singles chart.
And since then, she's had her fair share of ups and downs.
Today, her personal and professional life are on display with a new BET reality show, titled 'Monica: Still Standing.' The mother of two sat down with the BV Newswire to chat about where she is in her life and how she was talked into putting her life on display for the world.
"As artists, the media glorifies what happens to us, but they don't tell the kids how we made it through," the Atlanta native said "This show altogether was a blessing...it will encourage the kids to keep pushing through trials and tribulations."
The 'Don't Take It Personal' singer said that she never thought about having a reality television show, but is "excited and grateful" for the opportunity to tell her story and reach people.
And although she and Keyshia Cole are friends and even recorded a song together, Monica clarified that 'Still Standing' will differ from 'Keyshia Cole: The Way It is.'
"Keyshia is a really dear friend of mine and we have a lot of similarities and we also have a lot of differences too, which makes our shows independently great," she said.
She rattled off a few of the key contrasts between their BET programs, "My family comes from the country in Newnan, GA and are all extremely close. My first cousin manages me. I have two children,"
Separate from the personal differences between the two entertainers, it is clear that the timing of Monica's new docu-drama series comes on the heels of the Grammy Award-winner's musical comeback of sorts. Her last album, 2006's 'The Makings of Me' included the hip-hop friendly 'Everytime Da Beat Drop,' which remains her least successful single to date.
Now with her upcoming fifth album, which is due in stores this Dec., the 29 year-old is hoping to return to her R&B roots.
"People want to hear music of substance from me and they still want to hear me sing, that was the only error in that particular album. I still appreciate the million people who bought that CD. It didn't do what the other CDs did, but it was a good learning experience," she noted. "Now, what I do is, if I don't feel it, then I don't record it."
Her J Records release, also titled 'Still Standing,' includes a song produced by Polow Da Don and featuring T-Pain, which she described as a track "about a guy and girl that were in a relationship and now that they are apart are critiquing the other person's mate." Included on the album is also a ballad called 'Here I Am,' that Monica says is "more true to who I am." She's also hoping to release a song with her fiancée and the father of her two sons, 'Umma Do Me' rapper Rocko.
Ultimately, Monica said wants the world to know that she's survived the difficulties of the music business and hardships in relationships, but she is here to stay.
"'Still Standing' is two words that if you put them together signify strength and I wanted that to be the basis of the show. I don't want them to feel sorry for me or like I'm the victim. I would like for them to see what I have learned as I've grown. I understand the mistakes I've made and I've moved on and that's where my strength comes from."
"All I can do is focus on being Monica the person and Monica the artist, and conveying that through my music."
'Monica: Still Standing' airs Tuesdays at 10 PM on BET.