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Gotta Be Bayou (Badges of the Bayou #1)
My Madness Level : High Madness
How much of a Madness : I devoured it on a super busy stressful days.
What brings the Madness :
- A fun light steamy romance read. It's a busy week for me, so this book is definitely what I need.
- A cute grumpy sunshine forced proximity with a tiny dash of enemies to lovers mixed with small town romance story, yup that's a lot of tropes and I love those tropes, so therefore a perfect read for me.
- The camaraderie of the people on the Louisiana Bayou and the brotherhood between those boys with badges, this one became heartwarming adorable entertaining story.
- The steaminess is off the roof.
- It has cute dogs and baby goats and miniature cow, so yeah it is cute.
- The main characters, I love Spencer, an overprotective possessive FBI agent, what's not to like, right? Love Max too, she's very independent, and I love how these two heal each other and how they willing to change for their future, love this couple.
- The other boys with badges, can't wait to read their own story.
What Madness I don't like : Lots of redundant things and the recklesness pretty annoying for me considering they're all boys with badges, but still entertaining though.
Level of this Madness Recommendation : If you're looking for a fun cute steamy read, you need to try this one.
Where to buy this Madness :
My Madness Review : Goodreads
The Blurb :
How do you get over a woman you never should have been, ahem, under in the first place? Just when FBI special agent Spencer Landry had decided to forget about investigative journalist Maxine — Max — Keller and their one hot night together, there's a threat made against her and Spencer's protective instincts get all riled up. Again. So now they're shacking up on the Louisiana bayou and pretending to be in love so he can keep Max safe until the guy is apprehended. Considering their chemistry and that he cannot stop thinking about the gorgeous-and-doesn't-know-it, smart-mouthed, bold-and-yet-vulnerable redhead, this could be a fun few days, right? Nope. She's all wrong for him. And she hasn't forgotten he can be kind of a jerk. Sure, the naked-times are great, but he told her exactly what he wants — a bubbly, sweet school teacher who bakes him brownies and loves to cuddle — and Max ain't it. Max not only doesn't bake, no one has ever called her sweet. And cuddling? Shudder. Plus his bossiness is super annoying for someone who's been taking care of herself all her life. But now they're stuck together and dammit, besides being hot and very good with his mouth, Spencer is pretty irresistible with baby goats, little kids, and attempts at baking. And don't forget alpha-protective. All of which makes her stomach feel very swoop-y. No wonder her clothes keep falling off. But this is a temporary situation and they're only faking it. So falling for the guy is a terrible idea. She really should have kept that in mind.


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11:35 AM, 9th June 2020, About 3 years ago 19
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At the beginning of May we responded to a Call for Evidence to an Inquiry by MHCLG. Our 'evidence' and criticism of the governments treatment of the PRS in general and more specifically during the Suspension of Possession proceedings was brutal.
The First interim report by MHCLG 'Protecting rough sleepers and renters' was published on 20th May 2020 >> click here and I'll just pick out a few points from its 37 pages (and many more in the Appendices of evidence).
I would first point out that there are even more worrying requests by the Select Committee. The composition by MP and constituency is on page 2 of the report. I would urge landlords resident in any of those constituencies to write to their MP.
(page 12) " The current temporary suspension of evictions in county court is the only significant protection for Englands 11 million private renters, the majority of whom are still at perpetual risk of being evicted for no reason whatsoever, under Section 21 of the Housing Act 1988." [ 'evidence' by Shelter cited ]
This is like saying 'x' million people cross the road everyday, all at risk of being run over! In 2019, there were 67,000 evictions – 78% by Social Housing.
Jamie Carswell representing London Councils warned of Councils facing a tsunami ( of evictions ) " My colleagues, particularly in London are filled with dread at the thought of facing a cliff-edge when evictions extension expires… we need a way of removing that cliff edge and a series of measures to create a far more sustainable degree of security in the private rented sector."
It seems that the average tenancy length of over 4 years and the 6 months + to achieve possession is termed 'lack of security' !
In criticising the government's approach of 'Landlords and tenants working together to negotiate rental shortfalls' the committee (page13) comment: " Legislating to protect tenants from the minority of landlords lacking compassion does not invalidate the premise that most landlords behave in good faith, it protects those at the sharp edge of the crisis from facing homelessness. "
The committee pressed for the govermenent to bring forward the abolition of section 21. under the Renters Reform Bill with the Chartered Institute of Housing also supporting that abolition. (page14)
Rent Arrears. – "The call for cancelling rent payments for All tenants having 'gained publicity' was discussed with a number of barriers to such an approach. For Social landlords it would undermine Housing revenue and they make business decisions predicated on rental income (as if Private landlords don't!). For Local Authorities, it would cause repairs and new builds to stop. "
All those new-build Council estates you pass would be put on hold (sic)! and it seems that Private landlords going without rent would still be able to carry out repairs!!
On Social Housing demand: "the estimated annual requirement is 90,000 and last year the government built 6,287."
On Protecting renters, (page18): "the committee recommend government, amend the 1985 and 1988 Housing Act to allow judges discretion where a tenant is in rent arrears due to Coronavirus for the next 12 months, at least." !!!
Possession Friend
Simon Williams
12:07 PM, 9th June 2020, About 3 years ago
As the weight of pressure mounts for ever more draconian anti-landlord measures, I remind myself that the only reliable insurance policy against disaster is to choose your tenants with very great care.
Any tenant without a solid source of income and a normal "average personality" isn't worth the risk. If that means more voids while waiting for the right person to come along, so be it.
12:12 PM, 9th June 2020, About 3 years ago
That's it for me... I've seen and heard enough. I'm now passing the responsibility to house people across to local councils and the govt. As soon as this C-19 nonsense has settled down, I'm putting in place a divestment plan and selling up. I'm no longer prepared to bankroll this idiocy.
russell branch
12:27 PM, 9th June 2020, About 3 years ago
Reply to the comment left by Borrieboy at 09/06/2020 - 12:12
I agree with your sentiments completely. I do my utmost to avoid paying any more tax than absolutely necessary to HMRC as the UK government has no concern whatsoever for my interests.
14:15 PM, 9th June 2020, About 3 years ago
Reply to the comment left by Borrieboy at 09/06/2020 - 12:12
The C-19 nonsense will never settle down. This NWO takeover has been in the planning for well over 30 years. Its time we all found out whats going on. Check out UKColumn
Question Everything
22:26 PM, 9th June 2020, About 3 years ago
Reply to the comment left by jguy at 09/06/2020 - 14:15
The stupidity and the inanity and the inconsistency with which .gov runs it's affairs, I believe, needs to be understood differently.
It is not that they are inherently stupid, they just want to lean on the productive whom they can squeeze because they have the authority, which is backed my the system which is backed by the police which is backed by the guns.
They are making their stupid plans, like CV-19, for more grandiose ends. So when they stupidly point in a direction stop staring at their finger people!!
It is very clear now that it is a complete charade, but only clear to the few, and at least it seems all who have replied above get it.
They make us run around from pillar to post to just wear us out with yet another piece of stupid legislation that is neither helpful nor just, but don't complain that they don't know what they are doing. They know exactly what they are doing. Why do you think Shelter makes so much money from .gov handouts?
We need to start calling out the truth from a more fundamental base. To fight with a sociopath you do not get into an argument about the colour of their shoes while they are kicking you, they will convince everyone they are blue when you know they are red. Call them out on their fundamental motives, and then point out their inconsistencies, ask them what they expect to achieve by their methods and ask them to logically explain how their methods achieve such ends.
The direction here is to expose. Expose these people to the propaganda and corruption they use to control us with. Expose their compulsion to control, and expose their malice. Call them out on their false modesty and virtue signalling. Call them out on how their actions do not match up wth their words.
The only way to fight is to not give your consent, do not agree, and do not remain silent. They take our silence as consent.
Whiteskifreak Surrey
23:10 PM, 9th June 2020, About 3 years ago
Reply to the comment left by Question Everything at 09/06/2020 - 22:26
I absolutely agree with your last sentence (broadly speaking with the whole post too). Yes, landlords are the most silent group. We have NRLA - what exactly are they doing for us, except expressing disappointment? The National Landlord Alliance does not exist anymore, having taken our money for subscription and promising us the fight like nobody else. Ha ha ha ha ha....
I would like to remind everyone, that majority here are pro-Brexit, believed in Boris being a landlords' friend and hoping from the better, or even some understanding... Nothing is further from the truth, he and his lot are as much against us as Commie Corbynov would have been... Wait for taxes to pay for Sunak's spree and rest assured that the Landlords will be taxed as nobody else. We are apparently the richest bunch in this country, despite Boris, Moggie & Co making millions of Brexit and Covid.
Yes, this is a bit of rant, but the sentence "They take our silence as consent" really sums it up very well. If we do not act as one very loud voice, we will be killed by the very party we trusted in December as the party of business.
wanda wang
23:11 PM, 9th June 2020, About 3 years ago
I thought that newly merged NRLA is going to make our voice heard ? Is it ?
Question Everything
0:02 AM, 10th June 2020, About 3 years ago
Reply to the comment left by Whiteskifreak Surrey at 09/06/2020 - 23:10
Thank you for your agreement, but I ask....... With our consistent disappointment over the consistent way in which politicians promise and do not deliver, do we not need to come to yet another view? That being, it is puppet on the left, and puppet on the right. Two sides of the same coin that rob you in different ways.
By voting we give them our consent to behave as they wish. What that you say!? Give up our duty and right to vote!? Well you tell me which politician since forever ever delivered on their promises, apart from killing a few hundred thousand innocent people and making things good for their mates?
We the people are the fodder for their biding and the pawns of their game, but in truth, they are just the front-show. They are the mannequins and puppets who keep us all distracted with overtly insincere signalling while covertly arranging other agendas with their puppet masters.
I urge you all to take a sober view on what it is that you have hoped from a politician and ask yourself was it ever going to happen (unless you wanted a war of course). I don't watch the news, it's toxic, but have any of these so called virtuous leaders taken a pay cut or pay sabbatical in solidarity with the rest of the country to show their earnest support for the hardship, and in fact by so doing, create some relief on the burden of public money? I've not heard so.
Don't look to these people for assistance. They are all one and the same, all entitled, smearing, grandiose, virtue signalling, inconsistent, and lack real empathy. Oh, did I just describe the traits of a sociopath? Am I joking? As candid as I try to be, no, not joking.
I urge you all to get an education in understanding narcissistic/sociopathic/psychopathic behaviour (Youtube has loads of it). You will find that you become aware of difficult people around you who's behaviours actually start to make sense. You will find you will be able to avoid sticky situations better, and you will find it is a life skill that we all need.
You will find that the character traits that apply to the interpersonal also apply to the social as apply to the national and global. They live to control, to assert their authority, make others suffer and bask in their own glory.
Only as soon as we realise that the real pandemic is that of narcissistic psychopathy, will we make proper progress. Until then, we will remain the co-dependant abused.
This may seem a long way away from the original post, but this is the fundamental explanation of why things just do not add up. They are not supposed to, and under their authority, never will.
Do not consent. (as best as you can :-))
5:32 AM, 10th June 2020, About 3 years ago
Reply to the comment left by Question Everything at 10/06/2020 - 00:02
As I look into my crystal ball I see a sign, obscured by swirling mist. Wait the mist is clearing and a few characters are visible, just two words "No DSS"; more signs are becoming visible "No under 35's", "No one without a Guarantor", "No Rough Sleepers", the signs seem to be endless but the last is the best "Shelter to Act as Guarantor".
We can fight back, we will fight back by rejecting anyone who is a risky tenant, often the very people the government is desperate to house.
6:08 AM, 10th June 2020, About 3 years ago
Reply to the comment left by David Price at 10/06/2020 - 05:32
David brillaint!!
How about turning this on its head? Let all Landlords in the HB sector instruct their letting agents to put signs up in their windows and on websites "DSS Welcome (with Shelter as guarantor)". Shelter will be inundated with calls from people asking them to be guarantors.
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From the moment Anna and Anna met at Auburn University, they realized they had so much in common, they HAD to call each other "twin." Many people celebrate that people are all the same, but the twins respectfully disagree- which is why…read more
French Fries and Blue! Anian has some favorite things and this is one of them. Let's spend some time with Anian as he learns that every day, even on your favorite days, work comes before treats. Anian is a wonderful little boy…read more
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Explore and celebrate the creativity of God as you learn all the ways that He designed people with Down Syndrome with extra care. God doesn't make mistakes and He really especially likes you! He made you juuuuust right!read more
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The owners and staff at Painted Valley Farms have years of experience handling and caring
for horses. Horses are monitored daily and are well cared for. Owners live on site so boarders
are comfortable in knowing their horses are well cared for in the safe environment that is offered
here at Painted Valley Farms.
Painted Valley Farm welcomes riders of many disciplines. We have Western pleasure, English pleasure and Dressage riders. There are also several barrel racers, and not to be left out, our trail riders. All disciplines are welcome in this friendly, supportive environment.
|Boarding Includes:
Boarding rates range from: $425 - $485 (Discounts available for multiple horses)
Facility Pictures
Arial Photo of Farm
|This is the front entrance to our main barn which has 16 stalls, tack rooms, wash rack, and hay storage.
|This is inside the main barn showing the stalls, office, wash rack, and tackroom.
|This is the front entrance to our arena.
|The arena during the day with no lights.
|The arena at night with only half the lights on.
|This is the six stall open air training barn which is used primarily for horses that are in for training. The stalls are 12' x 24' with 12' covered overhang.
|This is the barn that is used to house the farm's stallion, expecting mares, mares, and foals and the owner's horses. Cameras are set up in a number of these stalls for careful monitoring of foaling mares and monitoring of sick horses.
|Our four stall barn for the lesson horses. The 60' round pen is visible as well.
|Our outdoor arena.
|Mare and foal pastures as seen from highway
|Mare and foal pasture and other side of arena.
|Sign as seen from highway.
© 2001 Painted Valley Farms, Inc. All rights reserved.


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First Things First – Your Online Presence Is Everything In Business Matters – Jospeh Verrico Knows How To Create A Great Online Reputation
Sarasota, FL / Icrowdnewswire / February 18, 2021
JosephVerrico, A Lead Reputation Analyst. The best way to explain what an online presence reputation analyst does is to relate it to a public relations person. Currently, before someone contacts you for a business inquiry, they look you up online. This is one of the innovations that even technophobes are OK with. An online vetting process can potentially eliminate a horrendous business interaction – so why not use it. Making certain that your online presence is what you want it to be is the main focus of Joseph Verrico and Net Reputation.
How Can Joseph Verrico & Net Reputation Help Your Business Boom? Understanding the nuances between a strong online presence with business to business clientele as well as business to customer interactions is a strong suit of Joseph Verrico and Net Reputation. Business to business interactions require a level of expert knowledge of the particular business sphere. That is the strongest characterization. When it comes to business to customers, it is important to establish both a thorough knowledge of the item or service as well as a familiarity with your customer base. Joseph Verrico and the professionals at Net Reputation are on top of the current trends in online reputation building.
Software Can Help With An Analyst Like Joseph Verrico. Leaving your online presence to the professionals is critical for success. The technical skill involved with building a precise online reputation goes far beyond the typical business CEO's acumen. Professionals like Joseph Verrico are able to analyze where you are and where you want to go. The first order of business is an in-depth consultation with a professional at Net Reputation. Understanding your business is key to helping establish its online presence.
Joseph Verrico & Net Reputation are equipped to suppress negative online factors as well as create positive professional branding. Let's face it, everyone shops for everything online. Business trends stress the importance of online relationship building. All fields of business and beyond are impacted. Online reputation building is for everyone who cares about their online presence.
Click Search With Joseph Verrico & Net Reputation. The need for these services are as different as the businesses that are served. Unfortunately, negative online factors can occur due to no fault of the business owner or its principles. Keeping a fresh and thorough account of your online presence is another feature that Joseph Verrico and Net Reputation offers. Software can assist with this as well as a more personal touch. You make the decision on how you want to proceed with your online presence strengthening. Joseph Verrico has won awards for his online reputation analysis. Net Reputation boasts hundreds of elated clients who have seen for themselves the difference a professional online reputation analyst can make.
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The Samplemaker Cotton Bundle (US Only) Pre-Order
Regular price $72.00
This bundle includes all the cotton for background, pieced stars, border and binding for the entire quilt.
Patterns are NOT included.
No backing
You must be a member of the exclusive Facebook group, Made by Hand, to have access to the patterns.
NOT available for International shipping.
Shipping starts Feb. 1, 2023
There is extra shipping for this kit


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Hey Everybody!
I just got some photos back from a photo shoot that I was the makeup artist and hair stylist for with Blue Glue Bikinis here in L.A. Yes, I know what you are thinking, "Bikini shoots are being still being done?". Although this shoot happened about a month ago it is remarkable that we have such wonderful weather in October here in L.A and the reality is, no matter how little clothing is being is being featured in a shoot, models do these shoots year round. Beauty and fashion never stops!
If you've never heard about Blue Glue Bikinis you should definitely check out their website- they have some really beautiful stuff. I worked on this shoot with the beautiful model Mariah Bevacqua and the incredible photographer Brittany Berggren. I have worked with both in the past and we have a fantastic working relationship together. The work we've produced together is always amazing- it is great to have relationships like that.
This shoot has been named "Mining For Gold" by Brittany. I think the photos perfectly paint the picture of that theme. Mariah (as usual) looks absolutely gorgeous and is glowing in her photos. I am so proud of her- I've been working with her for a long time now and it has really been great to see her career as a model blossom and I am very thankful to have been a part of it. She is destined for big things as she is beautiful, professional and awesome at what she does. I've worked with hundreds if not thousands of models and she is up there on the list as far as professionalism goes. Keep up the good work girl!
What do you think of the photos from shoot?Would love to hear from you in the comments!
Have a Beautiful Day!
Brittany Renee
L.A Makeup Artist and Hair Stylist
Elite Makeup Designs
View My Makeup Artist and Hair Stylist Portfolio


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An online business evident that you want to promote your business in this kind of manner it gains recognition in the market if you're running it. And, how can you start getting recognition in the industry? You are searching for diverse techniques to ensure that you can promote your products and services, that may be implemented.buy facebook likes
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Then you definitely are on to something big in case you have developed a facebook page for your company to market your goods and services. Face Book is that website that has generated a revolution on the list of computer knowledgeable users and has led a page, which they believe would end up being useful in close future to be liked by them. You'll come across so many facebook admirers in your mundane life who make a regular usage of facebook on a daily basis. Therefore, you can use your fb page to capture these users' attention and drive them to your web site.
Why buy facebook likes?
If we throw some light about the words, "social networking", they absolutely form a distinct notion s they're the words which when joined together produce an unstoppable sensation in the online market. It might not be wrong to mention that together with the creation of the web, social networking has transformed into a global village. Everybody h as their presence on the web.
In case you happen to be into company over a period of time rather than receiving the required effects, then it's exceptionally recommended that you create a "fan site" for your own organization. This might allow you to advertise your business in ways that was adopted by other businesses. We realize that "survival of the fittest" is the most cliched phrase that we come across when the company will be talked about, but it is self-explanatory that we cannot live in the modern competitive world unless we do not embrace particular strategies to rise and shine.
You'll get publicity for your own business once folks start enjoying your page. This way, your advertisement would reach others too and as an effect of which, the others will be acquainted with your brand or business.


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Trail Life CEO: 'Boys long to be heroes — they need an established, unmoving foundation of right and wrong to thrive'
June 20, 2022
GREENVILLE, S.C.— A recent Pew Research Center study revealed a troubling truth about the state of the faith of Americans — from 2009 to 2019 the percentage of Americans who described themselves as Christians was down 12% while the religiously unaffiliated share of the population, consisting of people who describe their religious identity as atheist, agnostic or "nothing in particular," was up 17%.
This news corresponds with the overall decline in traditional morality in America. Clear lines of right and wrong are becoming increasingly blurred. Trail Life USA (TrailLifeUSA.com), the largest Christ-centered, boy-focused scout-type organization in the country,believes that time-tested answers are clear. For boys to thrive, they need to understand the immovable moral compass provided by the principles of Scripture.
Mark Hancock, CEO of Trail Life, stated, "Boys long to be heroes! They need clear definitions of right and wrong to realize those desires. That is why boys love stories of heroes and villians, good and evil, triumph and defeat. Clear boundaries and rules inspire boys and help them feel secure.
"Until recently, generations of Americans found these uncompromising principles in Scripture. However, the generational norms that boys could always count on are eroding as the majority in America no longer believe that God is the center of truth. The truth presented in Scripture is being undermined at every turn in our schools and in the media. Tragically, fifty-eight percent of Americans no longer believe that God and the Bible are the means for determining truth. Boys can't operate at their best in that environment."
Hancock continued, "The result of this is that boys are ungrounded and searching for the truth to guide them. Boys need an established, unmoving moral foundation in order to thrive — where good behavior is encouraged and bad behavior discouraged. Without a strong moral code to rely on, the law must seem like a random set of rules with no foundation or some sort of mystery with no real solution. So then why are we surprised that 93% of incarcerated adults are men?
"In the cultural slide away from established morals and principles, boys are adrift in a sea of relativism. The result is that boys and men increasingly see themselves as victims of chance rather than creations of purpose. Without a foundation for truth that speaks to the dignity and value of every person, culture is left with a shifting standard of right and wrong."
In response to this need, Trail Life has implemented their "Proven Process" to best mentor young men and allow them to fully experience the wonders of boyhood as they grow to be godly men. Trail Life offers boy-focused, adventure-driven solutions that reinforce a Christian worldview, encourage boys to embrace what makes them unique, and to build strong relationships with other boys, mentors and most importantly — Christ.
For boys who are struggling with the constantly shifting morality of the culture, Trail Life provides an unmoving foundation for the development of their character. Hancock stated, "In Trail Life, a boy learns through experience that he was created on purpose for a purpose. As he works alongside friends and mentors, he comes to understand that through loving others, standing for truth, and serving in his community, he can make a difference." Trail Life offers an unapologetically Christian stance, with the Bible as the foundation for truth.
Hancock commented, "Trail Life's motto is 'Walk Worthy' and this phrase has layers of meaning in how we live our daily lives. At its simplest level, it means to behave in a manner that is consistent with our ideals. As Christians, our ideals come from the Bible. This is one of the reasons why the Trail Life USA program has faith interwoven throughout the curriculum as well as supplementary curriculum designed to help boys learn more about God."
Trail Life USA is the premier national character development organization for young men, producing godly and responsible husbands, fathers, and citizens. Trail Life's mission is to guide generations of courageous young men to honor God, lead with integrity, serve others, and experience outdoor adventure. Troops exist in all 50 states and are growing as Trail Life USA expands around the country. Find a Troop today, or Start a Troop in your community. Find out more at TrailLifeUSA.com.
Trail Life USA's K-12 program centers on outdoor experiences that build a young man's skills. A robust awards program motivates young men to grow on a personal level to become role models and leaders among their peers. Living the Trail Life USA is a journey established on timeless values derived from the Bible.
Discover more about Trail Life USA at TrailLifeUSA.com, Facebook, Instagram, Twitter, YouTube, or Vimeo. ###


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Dear at Mekina.net
My name is Melaku, and I own a 2001 Toyota Platz. Currently, I have a proposal to change my car with someone who has a Yaris belta or sedan and with adding some extra cash. Now I'm looking for someone who owns a Toyota Yaris Belta or Yaris Sedan and is willing to change cars with me. So, if you know someone who owns a Yaris belta or sedan, please let me know.
- Melaku asked 3 years ago
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Your Answer


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Western Marylanders claim first $100,000 top prize on Maryland Lottery's new $5 Ravens scratch-off
A longtime couple from Cumberland are the first winners of one of the Maryland Lottery's new 2020 Ravens Scratch-Offs, claiming the first of the seven $100,000 top prizes on the $5 Ravens game. The lucky pair, who call themselves "Mashed Potatoes & Gravy," told Lottery officials they purchased the winning scratch-off while visiting their local grocer to buy gravy for Sunday dinner.
Like the Maryland Lottery and Baltimore Ravens football, some partnerships work well. This Lottery-loving couple have teamed up for more than 19 years. When Sunday approached and they ran short on supplies, "Gravy" went into action. The 64-year-old auto mechanic hurried to Martin's #6003 in Cumberland to pick up ingredients for mashed potatoes and gravy. While there, he phoned home and asked "Mashed Potatoes," a 55-year-old receptionist, if he should buy scratch-offs, too. She agreed and he purchased five of the $5 Ravens instant tickets.
The couple scratched off their games shortly after their meal. On the fifth and final scratch-off, they revealed a winning number match and, under it, a $100,000 top prize. "Gravy" told Lottery officials he was tickled by the win. "I just started laughing and told her that she better take a look at this," he said.
The duo plans to use the prize to pay off some bills, including a car loan and a mortgage.
The site of their lucky win, Martin's #6003 located at 739 Park Street, will receive a $1,000 retailer bonus for selling the top-prize winning scratch-off. This lucky store has sold seven winning games with prizes of $10,000 or more since 2013, including a $1 million 100X the Cash prize in 2017 and a $50,000 Bonus Match 5 prize in May.
The Lottery's $2 and $5 Ravens scratch-offs offer players two ways to win instantly plus a second-chance promotion. The scratch-offs launched at Maryland Lottery retailers in July, offering up to $500,000 in prizes including six more $100,000 top prizes on the $5 Ravens instant ticket and seven $20,000 top prizes on the $2 Ravens game. Players can enter non-winning Ravens scratch-offs into a second-chance promotion through My Lottery Rewards to try to win cash prizes, seats for 20 years, travel with the Ravens team to an away game and more for the 2021 season or later.


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The Life Insurance Florida Needs
As difficult as it is to think about your own mortality, this is one circumstance where ignorance is not bliss. Hospital bills, end-of-life care, and burial/memorial expenses can be debilitating for your surviving family and friends. And if you pass away suddenly, this financial stress only adds to an overwhelming emotional burden.
Yet despite the necessity of this coverage, more than half of all Americans have no life insurance and those that do tend to be underinsured.
Whether you have a family or not, your passing will have an impact on those you leave behind. And there is no better way to make sure that they are taken care of than a life insurance policy.


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The new Steadicam Pilot is a stateof-the-art, lightweight, affordable stabilizer system designed especially
for the modern breed of lightweight cameras from 2 to 10 pounds (0.9 to 4.5kg). Video professionals need add only battery and camera of choice as all other required system components are provided for normal operation.
The Steadicam Pilot is designed with a lightweight Iso-Elastic Arm and ultra low profile vest, lightweight sled with Carbon-Lite expandable post, low mass gimbal and offers advanced features/benefits with low cost for the video professional.


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Prudence E. Williams was born 1824 in Cooper Co. Missouri. She married John Cole Woolery April 09, 1840 in Cooper CO., MO, son of Henry Woolery and Nancy Corum. He was born 1820 in Cooper Co., MO.
[pedigree] [photos]
Notes for Prudence E. Williams:
From Leota Crider of Chaffee, Mo.:
Lawrence Woolery was born in Germany in 1739 and came to Madison County, Kentucky, where he and his wife Peggy Horn Woolery had fourteen children. He died April 9, 1839 at Pilot Grove, Mo. His wife also died at Pilot Grove, Mo. and lived to be ninety six years of age. They are believed to be buried in the Mt. Nebo, cemetery.
Henry Woolery, their sixth son, was born in Madison County Kentucky in 1787. He married Nancy Corum Feb. 25, 1810 in Madison County. He died Mar 17, 1843 in Cooper Co. Mo. Nancy died Sep 27 1843 in Cooper Co. at the age of 56 years.
They had nine children.
John C. Woolery, their sixth child was born in Cooper Co. Mo. in 1820. He married Prudence E Williams April 9, 1840 in Cooper Co. Mo. She was born in Cooper Co. in 1824. They had six children all born in Cooper County, Missouri:
Malinda Lucretia Woolery (married Thomas Benton Foster)
Henry I Woolery, Born 1842
Nancy E. Woolery, Born 1843
Mary E. Woolery, Born 1844
Mildred M. Woolery, Born 1845
William A. Woolery, Born 1849
Child of Prudence Williams and John Woolery is:
Burial: Landaker Cemetary, St. Clair Co., MO


text: I am so grateful that I found Karen. Her coaching has helped me create self-awareness and insight that has changed my thinking and habits. Coaching with Karen has helped me learn to manage my stress and anxiety in ways I couldn't have imagined possible. I move forward to accomplish my goals with confidence and passion. I leave every session with insight, tools, and excitement.


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LUMS academic receives Shingo Award
12 September 2016
12 September 2016
Professor Mark Stevenson, Director of the MSc Management within the Department of Management Science, has become the recipient of the Shingo Research and Professional Publication Award.
This award, presented by the Shingo Institute, was created to recognise writing that has had a significant impact and advanced the body of knowledge regarding operational excellence.
Mark received the award for his book, co-authored with Matthias Thürer and Charles Protzman, entitled "Card-based Control Systems for a Lean Work Design" published by CRC Press. The book outlines a range of card-based production control solutions and determines their fit with different types of production control problems. It provides a means for companies to diagnose the type of control problem they face and, therefore, the most appropriate production control solution for their shop. Many shops struggle to achieve operational excellence through card-based control because the wrong system is chosen, e.g. due to a lack of problem diagnosis; or because a kanban system (the most commonly applied card-based control solution) is chosen by default and forced onto the wrong control problem. The book also includes a new solution that allows high-variety make-to-order companies to effectively adopt card-based control solutions to achieve operational excellence.
Mark said: "I am delighted that the Shingo Institute has recognised this book and its contribution to operational excellence. Card-based control systems can be a simple and effective approach to controlling a production process, but to be effective it is important to align the control system with the shop. The book supports managers in aligning card-based control with the characteristics of their production control problem; and it describes a new system that is suitable for high-variety make-to-order companies. This makes it an important means of achieving operational excellence in contexts where implementations have either failed or been underwhelming. It means that a wider array of firms is now able to implement and achieve the benefits of card-based control."


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Know Anyone Expecting?
If so, I've got a new free baby shower gift pattern that you might like.
The Baby Bear Beanie is a fun pattern that would be cute in any color. The 3D ears add an extra special touch.
Download the free pattern and watch the video tutorial here.


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Fluorine Free Foams are foams that do not contain any intentionally added PFAS chemicals. Pure protein foams and many synthetic detergent type foams that have been used for many years are in fact fluorine free but in general the discussions today regarding Fluorine Free Foams relate to the high performance Class B foams that are now being produced and marketed as alternatives to the fluorinated foams such as FP, FFFP, AFFF and the alcohol resistant versions of these types of foam. Manufacturers and industry bodies are using different names and acronyms for Fluorine Free Foam including F3, SFFF, PFF and NFF but all are the alternatives to the fluorinated foams. Many fluorine free foams have been tested and approved by independent test authorities and have fire performance ratings similar to the fluorinated foams that they are being marketed as alternatives to, but fire test data does indicate the importance of the finished foam generated by the discharge device used. At Fire Product Search we care about your fire station's or fire department's fire fighting equipment and its ability to respond at short notice to the hazardous situations when fire fighting. That is why we proudly feature only the highest rated, highest quality firefighting fluorine free foam concentrate from industry-trusted brands like Dafo Fomtec, Dr. Sthamer and Bio-Ex. All of the fluorine free foam concentrates listed are made and designed using the latest technological advances, innovations, and materials, which are certified to meet or exceed NFPA and EN Standards. When it comes to finding the latest fluorine free foams for your fire station or fire department choose Fire Product Search.
RE‑HEALING RF3x6 ATC foam concentrate from SOLBERG® is an innovative environmentally sustainable fluorosurfactant and fluoropolymer-free foam concentrate


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I can't believe I am finally saying this but this will be the last Hello Seven podcast you will hear before the release of my newest book! It comes out in just a few short days and I can't wait to see what you think of it and how it helps you become the millionaire I know you can be!
Today's episode is all about the book, specifically its introduction. I am going to read through its intro so that you can get a taste of what it is all about and what you can expect from this read. You are going to hear my big WHY: why I decided to write this book in the first place, and so much more!
We Should All Be Millionaires will teach you things like how to build serious wealth, get on the path to becoming a millionaire within three years, and most importantly, how to start making million-dollar decisions.
I want you to know what it feels like to be a millionaire. And guess what? You already have all the ingredients to be a millionaire, you just need an effective recipe. And this book is my recipe. Let's dig into it!
Are you currently earning $50 – $100,000 per year? If so, you can absolutely scale to $1 million per year, it's just a matter of thinking bigger and packing your skills in a new way. Let me show you how it's done! Come to my free Power Offers Masterclass where I'll show you how to develop a scalable offer that your customers will find irresistible.
I'm going on a virtual book tour starting next week! Click here to sign up for one of the book tour events, and then click here to upload your receipt to get registered for We Should All Be Millionaires Live, my two-week coaching event. You'll also be entered to win a two-day retreat here at the Rodgers Ranch, but you have to make your purchase before the end of the day on April 30th!
Pre-order your copy of my new book, We Should All Be Millionaires, and claim some incredible pre-sale bonuses! Click here for details.
What You'll Learn from this Episode:
- WHY I wrote this book.
- The women in history who inspired me.
- What I want every woman to know about making money and building wealth.
- What this book can do for you.
- Who I am and why I can advocate for women to make more money.
- How you can make your dreams become a reality.
- How money gives women more power and autonomy.
Listen to the Full Episode:
Featured on the Show:
- Check out our new game-changing program, We Should All Be Millionaires: The Club today!
- Want to work with us at Hello Seven? We're hiring!
- Follow me on Instagram – and ask me your million-dollar questions!
- Come to my free Power Offers Masterclass!
- Join the Book Squad now!
- Madam C.J. Walker
- Teri Ijoma
- R.J. Pierce
- Emma Pattee
*** Some of the links shared here are affiliate links – we only serve as affiliates for products we believe in.
If we as women are truly passionate about improving our lives, making the world a better place for our children, and getting equity for all marginalized people, then we need to step up and make bank. That, in my opinion, is the way we take back the power we deserve from people who underestimate and undermine the contributions women like us make to the world every day.
Welcome to the Hello Seven Podcast. I'm your host, Rachel Rodgers, wife, mother of four children, a lover of Beyoncé, coffee drinker, and afro-wearer, and I just happen to be the CEO of a seven-figure business. I am on a mission to help every woman I meet become a millionaire. If you want to make more money, you are in the right place. Let's get it going.
I cannot believe I'm saying this, but this is the last episode of The Hello Seven podcast that you will hear before my book has been released. It's true friends, my first book, We Should All Be Millionaires: A Woman's Guide to Earning More, Building Wealth, and Gaining Economic Power, will be on store shelves and in readers' hands on May 4th. If you're listening to this episode the day it is released, that's only a few days away. Get excited my friends.
So for today's episode of the podcast I am giving you a treat. You're going to get to hear the audio version of the introduction of my book. This was actually one of my very favorite parts to write. You're going to hear the big why of why I wrote this book. The incredible woman from history who inspired me. And what I want every woman or person from a marginalized community to know about making money and building wealth.
Now, before you listen, I want to remind you that I'm going on a virtual book tour starting next week. I will be hosted by all black-owned, independent bookstores, and I'll be in conversation with some incredible guests including Sonya Renee Taylor, Rachel Cargle, Rebecca Minkoff, Glo Atanmo, and even more that have not been announced yet.
So head to helloseven.co/tour to find out how you can join in on the fun. Please support these black-owned bookstores by purchasing the book from there. Purchase several, purchase a couple tickets for your friends. Join us you'll be supporting two black owned businesses with one simple purchase, which is so incredibly exciting.
And added bonus, all you have to do is go to helloseven.co/tour, choose which book tour stop you'd like to attend. All of them are black-owned businesses. All of them have incredible speakers. Purchase your ticket to the virtual book tour.
And then here's what you do next, you go to helloseven.co/book, you upload your receipt from purchasing a ticket for the book tour. And then you will be entered to get registered for We Should All Be Millionaires Live. Which is a two-week coaching experience that I am hosting, where I will have four Q&A coaching calls that you can attend and ask me questions.
You will get four video lessons on four specific topics from the book, including Million Dollar Decisions, Million Dollar Pricing and more. You'll be part of a pop-up Facebook group that I am hosting so you can be in community with all the other people. And here's the other thing too, you will be entered to win a two-day retreat here at the Rodgers Ranch.
So you can come to North Carolina, hang out with me, stay at my beautiful, recently designed by my incredible interior designer retreat house. And then hang out with my horses and spend a day here at the Hello Seven office where I will help you to create the vision for your business and come up with your path to becoming a millionaire.
So you'll be coached by me and members of my team. And we'll have a fabulous time here at the ranch. And that will happen this fall. And there are four chances to win. Okay? Four chances to win, accommodations included, you only have to cover your travel. You should absolutely do this.
So I just want to repeat that for the cost of one copy of my book you will get to support a black-owned bookstore. You will support my business, Hello Seven. You will get a signed copy of my book, We Should All Be Millionaires. And if you do so and you order, you know, you purchase your ticket by Friday April 30, end of day Friday April 30, you will also be registered for my live coaching experience where you'll get to join me and the many other members of this community that have joined already and be coached by me over a 14-day period.
It's going to be a coaching intensive and it's going to be amazing. You're also getting templates and worksheets and all kinds of resources to help you to take action on the things that I have provided in the book. So get so freaking excited, there's like no better deal out there today. So just go to helloseven.co/tour to get your ticket to the book tour. And then you'll also upload that to helloseven.co/book and you will be able to come into this coaching experience that I'm providing, We Should All Be Millionaires Live. It's happening at the end of May. It's going to be freaking amazing. Okay? All righty.
So, without further ado, please enjoy the introduction for We Should All Be Millionaires.
America doesn't respect anything but money. What our people need is a few millionaires, Madam C.J. Walker. I believe every woman should want to be a millionaire. If you agree with me, this book is for you. If you strongly disagree with me, this book is definitely for you.
Every woman needs to see at least seven zeros in her bank account, at the bottom of her own balance sheet, and in her cumulative net worth. Every woman needs to know what it feels like to wield economic power. That's how we make change. That's how we serve our children. That's how we serve the world.
I want you to know what it feels like to be a millionaire. To own a home with no mortgage. To have the freedom to leave a job you don't love. To have more time to spend with your favorite people doing things you enjoy. To have more time to rest. I want you to know what it feels like to be a millionaire. To have more than you need and be able to put that surplus money to work for your children, my children, and our children's children.
I want you to know what it feels like to solve community problems like providing for kids who can't afford school lunch or creating a community garden by simply writing a check. I wrote this book because that's not the world we're living in right now. The data is daunting. Women are afraid to ask for the money they deserve and need and are less likely to get. Afraid to make more than their partners, and afraid that having a career means not meeting their family's needs.
Screw the thigh gap, let's talk about some other gaps. White women make 79 cents compared to $1 made by a white man. And Black women make 62 cents. 62 cents y'all. Women also pay more for their debt than men, are less likely to invest than men, and are therefore 80% more likely to be impoverished in retirement.
When it comes to businesswomen entrepreneurs raise less money than men, and only 2% of women-owned businesses ever hit the seven-figure mark. All of this despite the fact that research shows that women are better investors and better leaders than men. We are going to change all of this and this book will show you the way.
In this book we are going to cover things you've never seen before. And I'm going to teach you how to build serious wealth, increase your income significantly within one year. Get on the path to becoming a millionaire within three years. Stop getting in your own way and increase your power, peace, and joy. And most important, how to start making million-dollar decisions and the exact steps you need to take to get on the path to millionaire status, no matter your current situation or earnings.
Here's what you will not see in this book, me telling you to stop drinking your $3 latte or to stop being a shopaholic. These are the ridiculous messages women are inundated with by so-called financial gurus on a daily basis. Here's what I will tell you, how to start making a lot more money. In this book you'll learn how to expand your income. You will learn how to add income streams without hustling all the time and start generating an extra $1,000 or $5,000 per month. In this book, you'll learn how to expand your income rather than contract your expenses.
And here's why, whether we like it or not money is the source of real power in society. There's very little any of us can do to get paid for the true value of our work, to make our own decisions, to control our lives, and much less to move women, marginalized communities, and society forward without the freedom that money can buy. Your options in life are likely to remain limited if your resources are also limited.
And yes, this is a sad state of affairs. I too would love to live in a world where that wasn't the case. But that world doesn't exist. And so sisters, to claim more power in the world we need more money. Some of the power money offers us is emotional. When we have money, we are confident that we can build wealth and earn more. When we don't, we always fear not having enough and being judged for it.
I learned that lesson at a young age as a kid in New York City standing in the grocery store checkout line embarrassed about having to pay with food stamps. I remember feeling shame and looking around hoping that none of my friends from school would realize that my family was receiving public assistance.
Many of my schoolmates lived in nice apartment buildings with nice furniture. They went to Kumon, a tutoring program, after school and took art and violin lessons. They had summer passes to the local community pool. I didn't have any of those things because my parents couldn't afford them. But I went out of my way to pretend that my family's financial struggles didn't exist.
I remember in sixth grade being invited by a group of friends to go on a shopping trip to the outlet stores in Reading, Pennsylvania. I was excited to go but didn't have any money to actually shop. But my mother always found a way. My dad had been doing odd jobs and one of them was refilling vending machines. He got paid in coins and that's the only extra money we had.
The morning of the trip, my mother and I sat on the floor of our living room rolling quarters. I went on the trip with $33 in rolled coins. During the trip I'd browse the stores with my friends, and while they made their purchases of new clothes and sneakers, I'd pretend that I didn't like anything because I didn't have enough money to buy them. Eventually, I did find something I could afford, a wallet.
Looking back now I realized how aspirational to purchase a wallet when I had no money. Even then I believed that one day I'd have enough cash to fill a wallet. I waited until all my friends left the store and then I bought my new discounted leather wallet with my rolled coins.
Being financially poor can define who you are and shape what you think you are capable of. When your bank account is empty you are assumed to be lazy and uneducated. An unproductive member of society incapable of making your own way.
My parents were hard working smart and quite productive. But I wonder if they knew that. For a time we lived comfortably. But there were other times riddled with layoffs from good jobs, addictions, and all the disadvantages that come with living under constant financial distress.
Would money have solved all our problems? Of course not, but it sure as hell would have solved a lot of them. Money also creates power by giving us autonomy. When we have money, we can make decisions that improve our quality of life and the lives of others without needing anyone else to weigh in. When we have wealth, we can be independent and make our own decisions.
The opposite is true when we're broke. When we don't have money, we can be stuck at a job where we're being sexually harassed because we need that paycheck, dammit. Or with a man who's abusing us because we need the asshole's financial support. We can't even donate to causes we care about or financially support the political campaigns of people we want to represent us in government.
It's harder to advocate for ourselves or others without money, autonomy, and power. If we as women are truly passionate about improving our lives, making the world a better place for our children, and getting equity for all marginalized people, then we need to step up and make bank. That, in my opinion, is the way we take back the power we deserve from people who underestimate and undermine the contributions women like us make to the world every day.
We've tried using our voices to speak truth to power. We've tried marching. We've tried writing letters to our representatives. We've tried volunteering in our kids' schools. We've tried creating organizations and nonprofits that advocate for the kind of change we want to see in the world. We've begun to raise hell and use our voices. But we need to start playing a different game, a game we can win, even though the rules that apply to men don't apply to us.
We all know a wealthy white man who achieved his success by knowing the right people, by easily landing his first great job, by asking for what he was worth. When a man succeeds this way, he is praised. But when a woman tries to assert herself, she's called a bitch, or worse.
As women, and especially as women of color, we need to wake up to the fact that our rules for playing and winning the game of success aren't the same as a man's. And that's a good thing because the rules that work for men don't work for us. The old boys club that ensures a white man success is not available to us. And if we think about it, we'll realize we don't even want that version of success.
Women need to define success on our own terms and go after our goals in our own ways, even if it seems crazy, or risky, or unusual at the time. Because I've seen over and over again that doing things our own way as women works.
When I was a lawyer first starting out, I knew I didn't want a prominent position at a fancy law firm because I was so over the toxic culture that rules in those institutions. The rigid nine to nine schedule, the limited vacation time, and office politics that always resulted in white men winning and a black woman like me losing.
During my limited experience working in corporate firms I witnessed things like a partner throwing a stapler down the hallway while screaming at the top of his lungs. And being admonished because I got busy doing important research and wasn't there to receive the lunch delivery I had ordered for senior associates. Clearly senior associates can't be meeting delivery guys at the elevator to get their own lunch. As if.
So I decided to open my own virtual law firm which enabled me to work with clients remotely while wearing a flowy kimono from my kitchen table. I call her my rich lady kimono. She's real cute. And it worked for me to the tune of $700,000 in annual revenue. Many of my clients, friends, and colleagues asked me how I built such a successful business. And I started teaching them my strategies.
Eventually there was so much demand for business coaching, and I enjoyed it so much, that I decided to close my law practice and coach full time. I transitioned to coaching other women on how to run a business, manage their money, and turn their intellectual property into an empire. Which has turned my six figure business into Hello Seven. Literally, that's the name of my company.
I've learned how to play the game of success by my own rules. And in this book, I'm going to help you to find your own success and chase after your goals on your terms. It's time for all of us to make a lot more money. And by doing so we'll literally spread our wealth around, take our power and agency back, and ultimately change the world. So you know, small things.
I'm interrupting this episode to share an absolutely free training my team and I have created and we want you to be there. If you're a service provider and you're good at what you do, and you're currently earning 50 to $100,000 per year, then you can absolutely scale to a million per year. It's not that complicated, really. It's just a matter of thinking bigger and packaging your skills in a new way.
No matter what industry you're in, whether you're a physician, life coach, yoga teacher, SAT tutor, HR specialist, website designer, stylist, or high school music teacher, you have specialized knowledge, valuable knowledge that people want and need. Let me show you how it's done.
Come to my Power Offers masterclass, it's completely free. And I will show you how to develop a scalable offer that your customers will find irresistible. Head to helloseven.co/poweroffer. That's helloseven.co/poweroffer and pick the time that works for you. I cannot wait to see what power offer you create. Now back to the show.
This is the part of the book where you start to think, "But Rachel, there's no way I can earn a million dollars, even with your help." And this is where I'm going to tell you that you are absolutely wrong.
You've got kids, babies at home? Me too. I was breastfeeding my youngest when I wrote this. You've got a husband or partner or life companion? Same. You're Black, Asian, gay, trans or a member of a systemically oppressed community? Talk to the black woman who is writing this book. Stuck in a job that won't promote you or give you more than a 3% raise? Been there. You're an entrepreneur who is stuck at $50,000, $100,000 or barely making a profit? Done that.
The reason you're not a millionaire yet isn't because you're not capable. It's not because you're not smart enough or not pretty enough. It's not because you're too loud or too quiet. It's not because you didn't get good grades in college or because you don't have enough experience. It's not because you're too black or your butt is too big. Can a person ever be too black? Can a butt ever be too big? The answer to those questions is no and no.
And it's certainly not because you're not talented enough. It's not because you're a person of color. Not because you identify as LGBTQ plus. Not because you're married. Not because you're single. Not because you're pregnant. Not because you have kids. Not because you've chosen not to have children. Not because you grew up low income, not because you grew up middle class. Not because you live in an expensive city. And not because you live out in the country. Those are not the reasons you're not wealthy.
As I explained in the first half of this book, women, including myself have learned to make a metric ton of excuses about why we can't earn as much money as men. That's a big reason we aren't winning the game that men have successfully played for years. Most of us aren't even on the game board because we have been taught by our well-meaning parents, role models, and systemic racism and sexism to give away key resources.
Strong women like us routinely forfeit our independence, our time, our power, and ultimately our success. We tolerate bullshit and feel guilty advocating for our own needs in our homes, at work, and in our national politics. Deep down a lot of us believe that we are somehow at fault for not getting what we deserve. Whether that's equal pay, or a spouse who does their share of the chores. But the truth is that we can and should think differently.
In the second half of the book I offer five specific practical shifts I've made and helped other women make that create wealth. The big secret that most men won't tell you is that amassing cash isn't really about the money. It's about feeling like a million dollars every day. Because when you feel like a million bucks, you are far more likely to earn a million bucks.
It's also about daily habits and beliefs. Not hustling for everyone else, never questioning your own instinct and value. Not doing every possible thing for anyone who asks, and not being truly all in are the key ways that women like us limit how much we can earn, save, and invest. In this book I'll show you how doing less can help you earn more. And why investing in yourself is the best choice you can ever make.
Why should we shoot for 1 million? Isn't six figures enough? No, it's not. Here's the problem, while six figures in annual revenue sounds like success, it doesn't feel like success. Fixed expenses are increasing at a faster rate than incomes making it harder to live a comfortable lifestyle in American cities.
Magnify Money did an in-depth study in 400 metro areas across the United States on what it looks like to earn $100,000 and found that most households are spending 25,000 or more every year on their housing alone. These households are spending 10,000 or more each year on childcare as well.
Even in the most affordable metro areas in the United States, $100,000 households are left with 2% disposable income. That's only $2,000 per year after paying their basic expenses. In other words, even when you earn $100,000, you are likely only one emergency away from financial distress.
In 2018 with the economy at its most robust in years, 61% of Americans said they could not cover a surprise expense of $400. In 2019 a study by the AARP found that 53% of American households did not have an emergency savings account, including a quarter of those who earn more than $150,000 a year.
And remember the goal isn't just to get by, the goal is to live a comfortable life and to make a big impact on the world. How are we going to back our desired political candidates, contribute to important charitable causes, and help the people around us if we are barely making ends meet? No sis, it's time to shoot for a million.
Okay, but how do you define millionaire? I define a millionaire as a person who has more than 1 million in assets or who generates an income of 1 million or more per year. When you are making this kind of money, trust me, it's possible, you can enjoy your life and make the world a better place.
When I began my career, I was making $41,000 per year as a law clerk for a state judge. Back then I couldn't have pictured being a millionaire, but I was already on the path to making millions even if I didn't realize it. My only real asset at the time was my ability to earn a living.
At the time, I didn't realize how quickly I could increase my earnings so I moved into a cheap basement apartment, lowered my monthly expenses, and began building my law practice with just three clients who were all friends of mine. I used my one asset, my earning potential as an attorney, to build more significant income.
In my first year of business, I made approximately $60,000 more than my previous salary as a law clerk. The following year, I made $300,000 and the business continued to grow year over year until I hit $1 million in revenue. To this day, my business is my most valuable asset.
But that's not the only way to become a millionaire. My friend Emma Patti is a millionaire, she owns $1 million worth of real estate. When she was just out of college, she decided she wanted to buy her first property. So she rented out the bedrooms in her apartment and slept in the living room so she could live rent free. She didn't buy nice clothing or furniture and lived as frugally as possible. She worked a full-time job and on the weekends she would find discarded furniture, restore it, and then sell it on Craigslist for a profit.
She lived like this until she could afford the down payment on her first property. She rented out that property and earned an income from it. And then she saved up to acquire her next property. She did this for 10 years and now she is a millionaire who doesn't have to work. She spends her days with her son being an activist and doing creative writing.
Another friend, Teri Ijeoma is a millionaire as well. Teri was a schoolteacher. She loved her job but when some big administrative changes came to her school, she found she no longer enjoyed the work. So she decided to cash out her 401k and use the money to trade stocks and try to earn a living from the stock market.
Her first goal was to make $300 per day in the stock market. She met that goal after a few months and then decided to see if she could earn $1,000 per day. She met that goal too. Eventually through day trading she accumulated $1 million in assets. Terry is now a millionaire.
One of my clients is an attorney named Rosezena Pierce. Rosezena left her law firm job to start her own trademark law practice. When Rosezena and I began working together she was making about $150,000 annually in her practice. After about 18 months of working together, during which she worked hard, hired employees, and acquired more clients, Rosezena had her first $100,000 month. She is now the owner of a seven-figure law practice, a million-dollar asset. Rosezena is a millionaire.
There are many paths to becoming a millionaire and you are already on your way. If you have a retirement or savings account, own real estate or stock, or have a business that generates income, you have assets that make up your net worth.
In this book, you'll learn how to grow those assets to a million or more. And if you are starting from scratch like I did, and your only asset is your earning potential, you can turn that into a million dollars too. Stick with me.
At this point you might be wondering, who am I to be telling you all this? Well, for starters, I'm a millionaire. I'm also a mom with three young kids, a bonus daughter, and a loving husband. And I'm the employer of over a dozen people who work for me in my business and my home. My mission is to make as much change and positivity in the world as I can for other women, for black people, and other folks who have been marginalized by our society, and for my children.
But as I mentioned earlier, I wasn't always wealthy, successful, and confident. I grew up low income. My dad passed away when I was in seventh grade. My mom was battling an alcohol addiction when I was a teenager. So my older sister and my best friend's family who lived down the street looked out for me.
When I had my first child, I was broke. My husband and I were living in a cheap ass apartment in Phoenix, Arizona. My first business attempt, a T shirt company, never got off the ground. My second business, a virtual law firm, thrived but practicing law wore me down. And my third business, Hello Seven, has helped dozens of women, including myself, make bank.
That's me, a black woman with plenty of kids and a husband and lots of responsibilities, who started with literally nothing but passion. I've made my dreams become my reality and you can too.
The American government is gravely disappointing. In the United States access to education includes becoming saddled with massive student loan debt. We lack universal health care and universal childcare, unlike most other Western countries. And systemic racism and sexism abound in all our institutions.
I don't spend a lot of time raging against corrupt politicians in Washington. My chosen form of protest is to make money and use it to create the change I want to see in the world. Martin Luther King Jr. said, "Privileged groups seldom give up their privileges voluntarily. We know through painful experience that freedom is never voluntarily given by the oppressor, it must be demanded by the oppressed."
Demands require capital. It takes money to lobby Congress. It takes money to support protesters who march in the streets. It takes money to bail out activists and fund research that provides evidence of the need for change. So it's time for us as women to turn toward our money, to begin to focus on our earning potential and our ability to generate wealth.
What works, as I've seen in my own life and in the lives of women I coach, is focusing on our natural skills and talents, being mindful of how we use our time and prioritizing the building of generational wealth because that is how we can make serious change. And if you're not into dismantling the systems of oppression that exists in our world today, why not?
We should all be participating in our collective freedom. However, we have a right to build wealth for ourselves as women for no other reason than we want it. We are allowed to make a million dollars because we want to fly first class, carry a Chanel bag, and order fancy champagne whenever we want. We are allowed to be ambitious for ambition's sake, unapologetically.
This book will show you how to get your money for whatever reason you want it. Some of us want a revolution. And some of us simply want to be financially secure enough to take our kids on a beach vacation, pay for college, and sleep well at night knowing that our family is cared for.
For others, it might be the freedom to live where you want and make your own schedule, or to not just have a seat at the table, but to own it. And all those options are just as worthy. If you picked up this book, you want to be a millionaire. Regardless of your reasons I'm hyped that you're here because I am certain that the world is going to be so much better when more of us have money.
In 2018, only 1.7% of women owned businesses made more than a million dollars in revenue. That's insane. Imagine if 10% or 20% of women earned that much. The potential of women entrepreneurs to spur economic growth has not been fully realized. Imagine what the world would look like if thousands of femme bosses and businesses were hiring, donating, giving back, and creating products that support women and families. That's the world I want to live in.
I became a millionaire because I knew what it was like to live without economic wellbeing. I knew the shame of being poor and the vulnerability of being broke. I never wanted to struggle like that again. I saw how the heavy financial burdens my parents carried affected their health and wellbeing.
I wanted to eliminate that burden both for myself and my parents. I wanted my children to have a financial head start. I wanted to launch the family legacy of building generational wealth. I wanted to live comfortably in a safe neighborhood and not be up late at night stressing about bills. I want the same for you as well.
My mission is to help every person reading this book make a million dollars. Are you ready? You may not think you are, but trust me, you are. You have all the ingredients of a millionaire; you just need a better recipe. This book is my own personal recipe. It's worked for me and many of my clients. I know it will produce amazing results for you as well.
Still feeling like making millions is unrealistic? Let me tell you a little story about unrealistic. The first woman self-made millionaire in America, Madam C.J. Walker, was the most unlikely candidate to become a millionaire. In 1867, just five years after the Emancipation Proclamation, Sarah Breedlove, the future madam C.J. Walker, was born to former slaves.
She was their only child born free. Her parents were someone's property for most of their lives. And once they were freed, continued to work on the same plantation as sharecroppers. And yet Sarah somehow knew she was valuable. Despite the many negative messages the world would continuously send Sarah about her worth, she chose not to believe them.
Instead, she chose her mission and ambition to improve her life and the lives of her people. She turned her pain into purpose and got results. Madam C.J. Walker dared to dream of a better world and then got her ass up and created it.
Sarah was forged in fire. She was born at the commencement of the Reconstruction Era. Black men had gone from being enslaved to being empowered with the ability to vote and hold office. In counties like Madison Parish in Louisiana, where Sarah was born, newly freed black people outnumbered white people. This led to a great deal of violence perpetrated by white plantation owners who feared the newly gained political power of their former slaves.
The schools in Madison Parish were torched and teachers were harassed. Southern whites were terrified of what would happen when black people were formally educated. In this climate Sara received only three months of schooling.
The Knights of the White Camelia was born the same year as Sarah. Based in Louisiana it was a paramilitary organization not unlike the Ku Klux Klan, whose mission was to maintain the supremacy of the white race. During these years black people were murdered by the hundreds. Southern whites went to great lengths to undo any gains that the black community had achieved since being freed and they experienced no punishment for their actions. Sadly, not unlike today.
The reconstruction era which took place in the United States from 1867 to 1877, was a period of great economic and social turmoil, and resulted in unyielding violence against black people. Despite the great fear and violence of this time, reconstruction was also a brief period of civil rights and civil liberties for black people in the south. If slavery could end, then truly anything was possible.
Sarah's formative years were during a time when a new world was attempting to emerge. A world where black people could build wealth for themselves instead of having their labor stolen. I believe Sarah's vision for the future was born from this harsh and yet hopeful time.
Sara spent years as a bread-winning washer woman, supporting herself and her daughter A'Lelia in harsh conditions. Unlike Sarah, A'Lelia was able to attend elementary school at the St. Louis Colored Orphans home. The school was established by well to do black women Sara met through church. Again, when women are wealthy, they provide for the most vulnerable members of society.
The support that Sarah received enabled her to do better for herself. In 1903 Sara met Annie Malone, a black woman entrepreneur who offered hair care treatments. Sara became a salesperson and hair care specialist for Annie, which allowed her to double her wages. Wealthy women open doors for other women.
In 1905 Sara moved to Denver with $1.50 to her name and every intention of making her fortune. She got a job as a cook and in her spare time worked on developing her own hair care formula. Eventually she saved enough money from her main gig to get business cards for her side hustle. She also bought an ad in the local black newspaper showcasing her hair care products and services. Customers loved her formula and soon she was seeing clients around the clock.
In 1906. Sara took on the moniker Madam C.J. Walker after marrying Mr. Walker, a newspaperman. This was also her glow up year, she went from cooking up hair treatments in her home kitchen to a legitimate operation. Madam formed the Madam C.J. Walker Manufacturing Company and traveled the United States at demonstrating what her hair care products could do.
At each location she recruited and trained two black women to become sales representatives for her company. At a time when the majority of black women were employed as domestic servants earning as little as $100 to $240 annually, Madam was offering economic mobility. It wasn't long before Madam had an army of sales reps around the country.
By the end of 1907Madam had made $3,652 in annual income. That's equivalent to $104,678 in 2020. In other words, in her first full year in business it could be said that Madam hit the six-figure mark. Prior to creating her company she had barely made $300 per year.
Madam's gift for teaching, deep understanding of her client's desires, and strong conviction that black women should be financially independent were her strengths, and she used them to build exponential wealth.
In the years following Madam moved her business operations to Indianapolis where she built her first factory, a salon, and a training school. She visited Cuba, Panama, Jamaica, Costa Rica, and Haiti to expand her business internationally. She purchased a town home in Harlem where she established a well-known salon and built a mansion in Irvington, New York called Villa Lewaro.
At both of these properties she and her daughter A'Lelia hosted black politicians, activists, and artists. In 1917, Madam Walker gathered more than 200 Walker sales agents for their first national convention, one of the first conventions for American businesswomen. During the event attendees share their testimonies of how the Madam C.J. Walker Manufacturing Company had changed their lives.
On the final day of the convention Madam Walker's theme was women's duty to women. And she encouraged her sales representatives to become community leaders and agents of change. She gave prizes to the women who had sold the most products, as well as those who had contributed the most to charity.
At the end of the convention attendees sent a telegram to President Woodrow Wilson urging him to support legislation that would make lynching a federal crime.
In 16 years Madam C.J. Walker went from struggling washer woman to notable businesswoman and millionaire. Not only did she build wealth for herself, but she trained more than 20,000 sales agents who were also able to become wealthy women who gave back. She was politically active, delivering lectures, organizing demonstrations, and even visiting the White House.
She made large financial contributions to build a YMCA in a black community in Indianapolis, to the scholarship fund for the Tuskegee Institute, to the NAACP's anti-lynching fund, and to countless other social, educational, and arts institutions that benefited and advanced the lives of black people.
Madam Walker left us an inspiring legacy. She taught us that becoming a millionaire is not just about stunting in your new whip with your girls, which Madam definitely enjoyed. It's also about empowering others, charitable giving, and being a politically active citizen.
Madam C.J. Walker had every excuse not to become a millionaire. She was born to slaves. She was poor. She was black. She was an orphan. She was widowed. She was a single mother. She was abused and cheated on. She lived in an unsafe neighborhood. She had three months of formal education. She experienced racism, and sexism, and violence. She was the sole breadwinner. She was accused of stealing. Her name was sullied among her peers. She was disenfranchised. The government passed laws to limit her access to success.
And despite all these reasons, she still got results. If Madam C.J. Walker could become a millionaire then, you can certainly become a millionaire now. You see, we don't need perfect childhoods, fair governments, or lots of money to become millionaires. The only thing we really need is the belief that we can, and some basic blueprints wouldn't hurt either.
I believe Madam's commitment to practicing self-care, her refusal to accept this station to which society had relegated her, and her belief in her own vision, ideas, creativity, and intelligence were the keys to her freedom, power, and wealth. And these are the keys that we will explore together throughout this book.
Let's begin by looking at the stories you tell yourself. Let's replace stories of weakness, unworthiness, and failure with your million-dollar story.
Okay y'all, so what did you think? Are you as pumped up as I am right now? I really hope so. If you want to read the entire book, make sure to head over to helloseven.co/tour to get your copy of the book and to join the virtual book tour. And you'll also, after you purchase your ticket to the virtual book tour, be able to upload your receipt to helloseven.co/book and for free get this incredible live coaching experience that I'm leading in May. Please join us for that.
Thank you so much for being a part of this experience. I am just overwhelmed with the outpouring and the excitement and just all of the joy and the momentum that has happened around this book. Folks are excited, folks are purchasing, folks are sharing it. People say that they are getting their copies of the book and then their mothers are stealing them from them, which I love to hear.
So it's just been absolutely incredible. I love all of the support. I so appreciate you. Thank you, thank you, thank you. I'm just like overwhelmed with gratitude. And let's keep this party going. Let's keep spreading the message and let's have a really good time while we do it. I will see you during the virtual book tour and yeah, it's going to be freaking amazing.
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This first idea may well be my favorite and hence earns the lead-off batter position. Sculpture for young hands. I LUV LUV LUV creating a base for your sculpture from an 'upcycled' jar's lid. Some modeling compound or plaster of paris within the base/lid and let the fun begin! The walk in the woods tree trucks are glorious varigated pipe cleaners. The tree tops are simply silk leaves and scotched taped into place. What young child doesn't adore a project where they are in charge of scotch tape? Feathers add just the right touch for detail and nuance.
Having young children explore projects in three dimensions affords such unique discoveries while conquering any challenges. Concordia University in Oak Park/River Forest has a brand new child development building and these beauties were housed in a showcase for all to see. I spoke there last month at their annual back-to-school conference. They provided a gen-u-ine rainbow for me. KUDOS!
Now let's continue looking at trees + leaves. Anything collaborative + creative earns extra stars in my book.
These next drawings have enhancements for the leaves. They looked stunning massed together on a Florida bulletin board. How sweet are the trick-or-treating details? Look closely, they're oh-so-clever. The first set have tissue paper leaves and on down below the Wisconsin drawing uses torn construction paper for the embellishments.
|Little Red Wagon and Torn Construction Paper Leaves Adorn Fall Crayon Drawing
The toddler projects above use the torn construction paper for the trunk and then paint is applied for the foliage fun. It's so much fun for me (as a former Art teacher) to see the exact inverse of materials used to portray the same concept..... at different stages of development.
In the future I have an article that includes these beauties. It's the 'same' idea as the toddler work above, but this time in the hands of more sophisticated preschoolers. LUV the addition of the little pre-cut foamie leaves amid the painting.
Wait till you see these sophisticated kindergarten fall landscapes. They were on display during my Tampa visit a year ago. I have already shared they here before, but their beauty serves as inspiration FOR. ALL. TIME. How brilliant. A lesson on symmetry and fall colors all rolled into one. Yes. The paper is folded to achieve such incredible results. Think 'blotto' and think sophisticated simplicity!
|Symmetric "Blotto" Painting for Fall by Kindergarten Students
|Bulletin Board of Observational Fall Paintings of Leaves
Super simple. Super gorgeous on a bulletin board. Construction paper 'mosaics' for fall foliage. SWEET!
|Fall Trees on the Bulletin Board
From open-ended media exploration on coffee filters by wee-wittle hands (lovingly cut into leaf forms by appreciative adults) to these crayon resist drawings created in kindergarten. The colors of fall offer so much to examine.
|Handprints become Leaves on Collaborative Bulletin Board for Fall
How adorable are these? Some children just want to 'flood' their work when given flotsom and jetsom of goodies to choose for embellishment. I am so appreciative that these teachers allowed the kiddos to have all the fun they wanted! BUTTONS! LITTLE LEAVES! Can you really have enough of either? This was a lesson in adhesion to be sure!
If the leaves are changing then its time to get thee to the pumpkin patch!
These next little jack-o-lantern 'craftivities' were created on bases of small paper plates. All the tissue papers of fall get glued next. Then adornment with simple shapes for the features make these a success for every child in the Buckeye room. Each is unique! Same basic materials, individual exploration.
Welcome to my world.
Have you registered in my Pinterest Directories?
Connect with your peers!
Pinterest Directory for Kinder-Pinners: click here.
Pinterest Directory for ECE-Pinners: click here.
Pinterest Directory for Art Teachers: click here.
I've just opened a Teacher's Pay Teacher's Store
for digital download of my original children's songs.
Follow me there so you know when my "Monster Spray" song is ready!
Other brilliant articles that haven't made my Top10 list:
Pete the Cat Ideas from PreK + K classrooms
Apple Projects and Bulletin Boards
Camping as a Theme in Preschool
Back to School Bulletin Boards
Pocket Full of Kinders
Linked at Teacher 2 Teacher Fall LinkUP


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We'd tell the New York Times to call their office, but the hackery is coming from inside the house. So it wouldn't do them any good.
After beclowning themselves in epic fashion over the pricey curtains in Nikki Haley's residence — curtains Haley did not buy — they've got a monster cleanup job ahead of them. The job is reportedly underway now:
Spox for @nytimes tells me that editors "are reviewing" the @nikkihaley curtain story.
— Oliver Darcy (@oliverdarcy) September 14, 2018
This is the story where headline said Haley spent 50k + on curtains that were decided on during the Obama admin https://t.co/HrPtoUxbFa
— Hadas Gold (@Hadas_Gold) September 14, 2018
"Reviewing" the story.
— Jeremiah Stephan Dunleavy IV (@JerryDunleavy) September 14, 2018
My eyes just rolled out of my head and down the hall….. https://t.co/FBQLSDaG6E
— EducatédHillbilly™ (@RobProvince) September 14, 2018
Now, we're no Real Journalists or anything, but their procedure seems … off.
Just now?
— Nick Brown (@nwbvt) September 14, 2018
So they didn't already? https://t.co/WzVvZTW26P
— EricEEE (@EEElverhoy) September 14, 2018
Maybe the editors should have "reviewed" BEFORE publishing the story.
— John D S (@USC2ndAmendment) September 14, 2018
Always a strong move after publication https://t.co/YJpFueARZG
— David Rutz (@DavidRutz) September 14, 2018
Don't hey have editors to review it before publishing https://t.co/HsPzKDxBeZ
— Mujahed (@kebejay) September 14, 2018
they're supposed to do that *before* it's published https://t.co/6zFgS2gvZJ
— Ryan (@alwaysonoffense) September 14, 2018
Pro tip: that's what they're supposed to do before the story gets posted pic.twitter.com/6quwBLEjrW
— Amber Athey (@amber_athey) September 14, 2018
Shouldn't they do that before the story is published?
— Philippe (@CA_Sprinkles) September 14, 2018
Aren't they supposed to do that BEFORE publishing it?
— Lisa (@Lisa_L_Reynolds) September 14, 2018
Maybe they should start doing that before they hit the tweet button? https://t.co/3NIKX2sX6w
— The Reagan Battalion (@ReaganBattalion) September 14, 2018
I'm pretty sure that's supposed to be done before the story is reported.
What a disgrace.
— Jim (@AGOPPundit) September 14, 2018
Show's over, New York Times. It's curtains for you.
Well, it looks like the New York Times' "review" has concluded:
An editors' note has been appended to this story. https://t.co/cZisvp6mQw pic.twitter.com/alDdzG64NN
— NYTimes Communications (@NYTimesPR) September 14, 2018
New: The New York Times has updated its story on @nikkihaley: "An earlier version of this article and headline created an unfair impression about who was responsible for the purchase in question." pic.twitter.com/GQg7Bj0qfv
— Oliver Darcy (@oliverdarcy) September 14, 2018
Okay, credit where it's due. This is a good and thorough walkback, @nytimes. pic.twitter.com/XVmGazjFGt
— Daniel Foster (@DanFosterType) September 14, 2018
It's very nice and all, but wouldn't it have been more good and thorough to actually vet the article before it was published? Or, even better, just not have even written it in the first place?
other than that https://t.co/jCxfxTCft9 pic.twitter.com/UkLQqXNqcR
— James Taranto (@jamestaranto) September 14, 2018
Headline is STILL misleading @NYTIMES. Should say "Obama-era State Department" or "John Kerry's State Department." Otherwise impression is that it's TODAY'S State Dept.
State Department Spent $52,701 on Curtains for Residence of U.N. Envoy https://t.co/WlVEOERDLD
— Kyle Smith (@rkylesmith) September 14, 2018
also appears that NYT social didn't get the memo about using a photo of Haley. https://t.co/vCYZgMlR8Q
— Just Karl (@justkarl) September 14, 2018
Why does the NYTs even have editors if they have to correct every story after it's published? https://t.co/8zDtxBxjk6
— EducatédHillbilly™ (@RobProvince) September 14, 2018
It's pretty sad that the people of Twitter have to act as editor for major newspapers… https://t.co/wAWO3Yxj9m
— Carol Roth (@caroljsroth) September 14, 2018
A shorter and more honest NYT correction would have been, "Yeah, we got bias-busted again, and we're sorry that we got caught." https://t.co/7n970KEnTh
— Doug Powers (@ThePowersThatBe) September 14, 2018


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by Mitch Kokai
Senior Political Analyst, John Locke Foundation
Sarah Hoyt reminds readers at PJMedia.com that people in the United States of America enjoy the greatest level of comfort in the history of civilization.
The thing is, you stack all your cathedrals, all your palazzos, the broad expanses of European plazas, of arches and columns and ancient paintings, and they're all very fine, very impressive, very worth seeing. But you can't have them and ease and comfort in the same day. Because nowhere in Europe, no matter how much you're paying (unless you are at the very top of the tree and paying multi-millionaire type of money) will you find the consistent comfort and ease of American life.
I don't say this to be derogatory of Europe. They're used to their little discomforts, they aren't bothered by them, and that's fine for them.
But we're not made of the same stuff. The idea of America, where citizens rule and every man is a king, permeates our daily life.
Our system (derogatorily called consumerism) has unleashed market forces to cater to the comfort, the whims, and yes, the needs of the consumer.
I remember my mom being bewildered in the detergent aisle of our grocery store in a tiny town (we then lived in) in Colorado. "Who needed that many detergents?" she asked. Why the bewildering profusion?
My answer was: Because we can. Because they find a market.
Which is the essential point of this: No one decides what we need. No one says, like Bernie Sanders, "why do you need more than one brand of toothpaste?" Or rather, people like Bernie Sanders say it, and the rest of us answer, "Because we can. Because they find a market."
Sheer competition, to make your product sell better than the next one leads you to add more features, more bells and whistles.
This is why many old manses in Europe have no heating, but our humblest mobile home has (usually forced air) heating, and more than likely air conditioning, too.
These are worthwhile thoughts to consider the next time you chat with a Bernie Sanders fan.


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Digital profiles of the customers' palms and faces are created through the app, which is available on both Android and iOS, by taking a selfie and a picture of their palm with a camera in a mobile device. Users then have to register their bank card details on an integrated, secure payment gateway.
The PeasyPay solution is fully compliant with all European regulations, especially GDPR and national data protection laws. Under GDPR's provisions, the processing of biometric data for uniquely identifying purposes is not authorized, unless the data subject has given explicit consent for a specified purpose. During the pilot phase only customers based in Hungary, Spain, Slovenia and the UK were able to download PeasyPay from a local app store. By the end of the year, the app will be rolled out globally.
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