I took a look on amazon.com about the two books you named and it is unbelievable to see the number of positive comments I saw. This is rare and these books must be something. I will definitely read them. Thanks for sharing this with us. You should have a website address for your seminars. That way, we could register online. I am in Canada. So, you have the possibility to expand this. You should think about this. I am sure that people elsewhere in the world would be interested. You should try also to be among these speakers:
http://www.greatblackspeakers.com/ and/or http://www.blackexperts.com

Good luck!

Well I know my husband can deliver a punch line second to none, not me. So it took me to the age of 43 to stumble on to a book written by Dave Ramsey called the ” Total Money Makover” that teaches 7 Baby Steps to building wealth in laymen terms.

This was the only book that captured my attention because the wealth building tools were a blueprint of my life. I knew I had to expose the hood to these basic concepts of wealth building but realized that while I was more than capable of creating a lesson plan for this type of seminar I needed a salesperson to close the deal.

So I convinced my husband to teach the seminars to my income tax and real estate clients. We both agreed that anyone interested in Baby Step 4, investing 15 percent of their gross income towards retirement, would have to receive one on one analysis of their financial condition from me before he could make investment recommendations to them.

The seminars spread like wild flowers. The business is now registered as an Investment Advisor of which I am the sole owner and Chief Compliance Officer and my husband is the Investment Adviser Representative. The niche is that I create financial plans that assist low to moderate income families to attain financial security which is unheard of in the financial arena. Because I have a large existing clientele from my tax practice and real estate brokerage, I have not had to solicit business from the general public.

You should create business seminars to enlighten our people. You have a lot of knowledge. 70% of athletes from the NFL become bankrupt or unemployed when their career is over. I am reading right now a biography on Dr. Dre and my jaw dropped when I discovered that he has 30 cars and it must be the same thing for many other rappers. Who needs 30 cars! This is a stupid investment! They don’t think about how this money could be used wisely for the community. They could create for instance scholarships. Can you imagine how many kids would be able to enroll to universities with the money of these expensive cars??? In addition, we have been brainwashed that we don’t have money. We are the biggest consumers in America and we are the group who invest the less in our community. We have a buying power of almost 1 trillion but only 2% stays in our community. This must stop!!!

There is an old saying that rings true throughout the test of time, it’s not what you have but what you do with what you have. As a Financial Advisor, I know first hand that there is Not a direct correlation between the money you make and wealth building. For example, All my millionaire clients attained millionaire status by earning an average income, living below their means, saving consistently, buying assets not liabilities, and using little to no credit for purchases.

Anyone can achieve financial security regardless of income but it requires truck loads of discipline which is rare in today’s society but was prevalent in my grandparents’ generation who were the children of sharecroppers.

I have been the primary caregiver of my grandparents for more than 15 years and have never heard them complain about the mental confines of slavery or how unfair life is. My granddad is now 91 with dementia and still says a man who doesn’t work shouldn’t eat, early to bed early to rise makes one healthy wealthy and wise and money will always say GOODBYE to a fool!