Monday, July 28, 2014

Author’s Book Signing and Networking Event

Treasure’s Banquet Hall is inviting Authors of all genres to participate in this great opportunity to share published and upcoming work.

The event takes place Friday August 22, 2014, 2pm – 8pm
AtTreasure’s Banquet Hall
5549 Germantown Avenue
Philadelphia, PA 19144

This event is free to the public.  Author’s fee is $15 for table. 
For information, contact:
Dayna Cherry
Daniel Ramsey

Tuesday, July 8, 2014

Oh Woman! How Great Is Thy Faith! Let it Be as Thou Willl!!!

This Post is Inspired by The Canaanite Woman in Mathew 15:

This scripture was never one of my favorites.  I would get defensive about
 it because Jesus called the woman a dog; unfit for even crumbs from the
Master's table.  But this past weekend I attended a Camp Meeting service
 a the SDA Allegheny East Conference in Pine Forge, PA.  The guest
speaker was Admiral Barry Black.  Now, I had not been to camp meeting
 there in about 6 years, but when I heard that Barry Black was speaking,
 I put on my hat and went to hear him speak.  I was not disappointed.


Monday, May 26, 2014

Outlet Malls: Do they give you a good deal?

A few years back, outlet malls had an almost seedy reputation. They tended to be located far from upscale neighborhoods and generally offered defective or second-rate goods. Nowadays, outlet stores look a lot more like their full retail counterparts. Though outlets may not feature showpiece displays or offer wide selection, they're popular for one main reason: perceived savings. Nevertheless, shoppers need to know the tricks of the trade.
  • Quality may differ. Several studies have shown that over 80% of the products sold at factory outlets were manufactured specifically for those stores. So the blouse that's on the rack at the outlet store may not be identical to a similar item displayed at the store's retail establishment or on their website. At the outlet mall, leather in a purse may have been replaced with plastic; sweaters may be shorter and have fewer buttons; T-shirts may be constructed with fewer stitches and lighter fabric. Although these differences in quality may not be a deal breaker for you, it's always prudent to know what you're buying.
  • How much is that discount, really? Using a marketing technique known as "reference pricing," bold price tags at the outlet store may advertise a huge discount from an item's "retail price." Unfortunately, that "retail price" may have been concocted at the store's recent management meeting. There's no guarantee that merchandise at the outlet store was ever listed for that price at a retail establishment.
  • Shop sales and promotions. Outlet malls have sales, too, and it makes sense to shop when items are truly discounted. Sign up for an outlet store's mailing list to be notified about upcoming promotions. And before you buy, make sure the retail store isn't offering an even bigger discount for your favorite item.
  • Shop the off-season. Look for bargains when stores are trying to move their end-of-season inventory. Buy beach apparel in the fall, winter coats in the spring.
  • Don't be afraid to leave empty-handed. Driving a long distance to an outlet mall doesn't necessarily justify a shopping spree. If it makes sense to buy an item, buy it. If not, wait to shop another day.
  • Know the store's return policy. Retail establishments may not take returns from outlets. Others may require price tags and receipts before accepting returns.
As always, follow the wise consumer's tried-and-true maxim: buyer beware.
© MC 2014

How to ruin your credit score

Warren Buffet once said, "It takes 20 years to build a reputation and five minutes to ruin it." The same could be said of good credit. It isn't built overnight or by accident. Most Americans with stellar credit scores have exercised financial discipline for years. That's why lenders are willing to offer them mortgages and car loans at favorable interest rates.
And like a good reputation, a strong credit score can be easily ruined. Here's how to devastate your credit score in four simple steps.
  • Max out your credit cards and don't make required payments. About 35% of your FICO score — the number between 300 and 850 (worst to best) that most lenders use when deciding whether to extend credit — comes from your payment history. Paying late or paying less than required minimums can wreak havoc on your FICO score and may signal to lenders that you're overextended.
  • Co-sign on an irresponsible friend's loan. There's a reason why your pal needs a co-signer — he or she is perceived as a high credit risk. If your friend defaults on the loan, you're responsible for the unpaid balance. As Shakespeare said, "Loan oft loses both itself and friend." And remember this: if you co-sign for a loan, the status of the loan will appear on your credit report.
  • Close credit card accounts in quick succession. Shutting down a credit card or line of credit account may adversely affect your debt-to-utilization ratio (how much you owe in relation to your credit limits). As this ratio climbs, your credit score will tend to sink. Say, for example, you have three credit cards and each has a $1,000 limit. You carry a balance of $500 on one of those accounts. That's a debt ratio of $500 to $3,000 or about 17%. If you close one of the accounts, the ratio will jump to 25% ($500/$2,000). Though you haven't accumulated more debt, your credit score may be hurt.
  • Default on your installment loan or home mortgage. This is another sure-fire way to trash your credit score. A home foreclosure, for example, may cause your FICO score to plunge by 200 points or more. And because most negative information stays on your credit report for seven years (ten years for a bankruptcy), lenders may be reluctant to offer you money for a very long time.

Thursday, May 22, 2014

Mary Jane's Closet presents TheMeltingPotArtExpo2: a white & gold affair at Blackeye Soup Studios.


Jasmine Anderson
Mary Jane's Closet

Kourtney Fullard

Kendall Hayes

TO: City Editors, Education Editors, Photo Editors, Broadcast Assignment Editors and News Directors.

WHAT: Mary Jane's Closet presents TheMeltingPotArtExpo2: a white & gold affair at Blackeye Soup Studios. The night will be filled with some of Philly's best artists, who may not have otherwise been given the chance to display their talent.

Philadelphia, PA, May 30, 2014 
A showcase that will display all mediums of art, including fashion designs, artwork and performances.   Artists include Jamir Linder, All Day J and Nebulus Flair, whose artwork will be on display. There will also be a variety of performers, ranging from poetry/spoken word to rap. A few performers from the first Melting Pot Art Expo will be returning, such as poet/writer Kourtney Naomi, singer Parker and rapper Cloudy. There will also be a performance by Brooklyn, NY rapper, E. Nigma.

“We are happy to host this event at our venue” said BlackEye Soup owner, Joshua Black.  “Our mission is to inspire and encourage the youth in their artistic ventures.”

In between performances there will be fashion scenes; designers include ZombieFlyd, CMTA and of course, Mary Jane's Closet. There will be a special fashion scene displaying designs from the brand called Distorted Love. The brand's founder, Jhamiel Anthony Robinson, recently passed away. To celebrate Jhamiel, a friend of his, rapper Calogero, will be performing a song while models display his designs.

Best dressed male and female will be acknowledged and rewarded during the show. There will be multiple prizes raffled off. After the show is over, guests will have time to eat, drink, mingle, network and take photos. Each guest in attendance will receive a gift bag before leaving the venue. There will also be the opportunity to purchase some MJC gear, including the newly featured Young, Talented & Broke tees, handmade flower headbands and sunglasses!

• Jasmine Anderson
• Kourtney Fullard
• Joshua Black

WHEN:                 Friday, May 30, 2014

WHERE:              Blackeye Soup Studios
                                6143 Germantown Ave

                                Philadelphia, PA 19144

Friday, April 25, 2014

Meet Authoress and Entrepreneur, Kendall Hayes

Wednesday May 7, 2014
Liberty View Ballroom
6th & Market Sts.
Philadelphia, PA
5pm 10pm

Guest Speaker Authoress Kendall Hayes: Reading, Q&A and Booking Signing for her first novel, SEASONS OF HOPE. It is the story about a woman who, through all types of adversity, still maintained a sound mind and a strong faith in God. The book brings to light that which has been lurking in the shadows; publically ignored and socially suppressed far too long. It takes the reader on a spiritual journey through seasons of betrayal, grief, brokenness, healing, empowerment and restoration.