Our People
An Analysis: Breonna Taylor
Published
4 years agoon
Shortly after midnight on Monday, March 13, 2020, Sergeant Jonathan Mattingly, Detective Brett Hankison, and Detective Myles Cosgrove, of the Louisville, Kentucky Metro Police Department (LMPD) forced themselves into Breonna Taylor’s apartment to a search warrant. Soon thereafter, Breonna Taylor was dead.
It’s six months later.
What’s happening on the matter?
The Current Status
The LMPD banned the use of no-knock search warrants, fired Hankison, and placed the other officers on paid administrative leave. In May 2020, Police Chief Steve Conrad announced his retirement. Around June, Louisville Mayor Greg Fischer, pursuant to unrest and police not utilizing body cameras in a June fatal shooting, instead fired Chief Conrod and appointed Robert Schroeder in his place. Chief Schroeder then announced his retirement effective October 1, 2020. Mayor Fischer next named Yvette Gentry, a former LMPD officer, as interim chief. The city is searching for a permanent replacement.
Taylor is currently a face of #SayHerName, which strives to remind the public that police brutality and social injustice also affects women. Protesters nationwide continue to march and demand that officials file criminal charges against the officers and institute other disciplinary measures.
Beyonce, Lizzo, Demi Lovato, John Legend, Katie Holmes, LeBron James, Jada Pinkett Smith, are just a few of the celebrities to express their views on social media. Many others are demanding that either the state or federal government arrest and file criminal charges against the officers. In September, Taylor graced Oprah Winfrey’s O Magazine cover. It was the first time in twenty-years that Winfrey allowed another person to do so. Winfrey also commissioned twenty-six billboards across Kentucky, one for every year of Taylor’s life, also demanding someone arrest of the officers. Taylor is also the subject of memes, tee-shirts, and fundraisers.
Around June 2020, Louisville banned “no-knock warrants.” The U.S. House Democrats have already approved a bill banning federal no-knock warrants and Kentucky Senator Rand Paul proposed a similar Senate bill.
The Louisville Federal Bureau of Investigation (FBI) opened an investigation into the matter. It offered no other comment other than it would conduct a fair and thorough examination.
In September 2020, CNN reported that a grand jury was meeting in an undisclosed location to deliberate the three officers’ fates. Kentucky Attorney General, Daniel Cameron, however, tweeted that daily contradictory rumors would not do anything to further justice. An attorney representing Taylor’s family also commented that no one had yet contacted her about a grand jury.
Why Hasn’t Any Government Entity Arrested and Charged the Officers with a Crime?
Mostly everyone wants the answer to this question. The facts and history of the case should provide an answer. But, what are the matter’s history and facts? In the six months since Taylor’s death, much of what the public thinks they know may be incorrect. How can that be? Well, the Internet and social media, as usual, spreads and re-spreads misinformation. But, some people have already made a decision. Celebrities are involved. What else is there to know?
Let’s take a look.
The Taylor Family Lawsuit
In May 2020, Sam Aguiar, a Louisville attorney, on behalf of Taylor’s family, filed a wrongful-death lawsuit against the three officers. News coverage appears to begin at this time.
Around July 2020, Ben Crump took over the matter and amended the complaint. Crump is a nationally recognized personal injury and civil trial attorney. He also represents George Floyd, Jacob Blake, and Ahmaud Arbery’s families in their current lawsuits. As well, he represented Michael Brown, Tamir Rice, Trayvon Martin’s families, and other families and individuals with their police brutality and wrongful death and personal injury matters. He’s a National Black Justice Coalition board member and helped organize rallies for the Flint Michigan Water Crisis.
According to the, New York Times, the amended complaint claims that Mayor Fischer’s longing to rid the blighted neighborhood for redevelopment prompted the criminal matter against Glover and the March 13, 2020 invasion upon Taylor’s apartment. It also contends that after police shot Taylor, she remained alive and suffered for up to six minutes, but no one offered her any medical aid.
In July 2020, Taylor’s family, the city, and the police agreed to a protective order that prevents the release of records to the public. The docket only reveals that the next proceeding, a settlement hearing, will take place in April 2022.
Why Did the Police Want to Search Taylor’s Apartment?
Detective Joshua Jaynes prepared the LMPD police reports that led to the search warrant upon Taylor’s apartment. She was not the subject of the investigation.
The LMPD suspected Glover, a previously convicted drug dealer, and another man of selling drugs. In January 2020, a pole camera snapped a photo of a car registered in Taylor’s name outside a known narcotics house. The camera also caught Glover exiting the car from the passenger side.
Jefferson County Circuit Judge Mary Shaw executed a search warrant that stated:
- Glover personally picked up a package from Taylor’s residence.
- The postal service confirmed Glover was receiving packages at Taylor’s address.
- Glover listed Taylor’s phone number as his on a February 2020 complaint against the LMPD (for towing his Dodge Charger for parking violations).
- Glover listed Taylor’s address as his on a Chase Bank account (on March 19, 2020 – six days after her death).
The LMPD administratively reassigned Jaynes pending the investigation of the search warrant.
What Happened March 13, 2020?
The New York Times reports that Taylor and her boyfriend, Kenneth Walker, were in bed. They heard a loud banging at the door and got up. Walker later told police that he feared Taylor’s ex-boyfriend was attempting to break in. After police broke the door off, Walker fired a gun that legally owned and for which he has a legal conceal and carry permit. Mattingly was shot in the leg. Walker then stated that, after police shot Taylor, she fought to breathe for at least five minutes.
The Louisville Courier Journal adds that Walker did not hear anyone announce themselves and thought intruders were breaking in. According to his arrest citation, he fired his weapon at 12:43 a.m. Mattingly, Cosgrove, and Hankison then returned fire, striking Taylor multiple times. The coroner’s office noted 12:48 a.m. as her time of death. The officers fired a total of twenty rounds. Police Chief Schroeder claimed that Hankison fired ten of those rounds.
CNN reports stated that Walker told investigators that when he heard banging on the door, he thought it might be Glover and was concerned there would be trouble. When the firing subsided, Taylor was lying beside him, bleeding profusely.
Kenneth Walker Lawsuit
Though the commonwealth initially charged Walker with attempted murder of a police officer, it later dropped the charges without prejudice, meaning that it can later refile them, should it choose.
Around August 2020, Walker filed a civil lawsuit against the LMPD, the state, the mayor, and the commonwealth. Among other claims, he asserted that Kentucky’s “stand your ground law” protects him from prosecution and that he was not obligated to retreat.
In the complaint, Walker states he and Taylor were in bed when they heard a loud boom at the door. Taylor asked who it was, but no one responded. They got up, put on their clothes, and heard another knock. Taylor twice more asked, who it was, but received no response. They walked out of the bedroom and the front door opened. Walker then fired his gun to scare away the intruders. It goes on to describe his ordeal that evening.
USA Today claims that Walker’s attorney, Steve Romines, told reporters that he did not believe Walker shot Mattingly and believed Mattingly’s injury resulted from police fire.
Brett Hankison Termination
By letter dated June 23, 2020, Chief Schroeder terminated Hankinson for violations of Standard Operating Procedures 5.1.2 and 9.1.12. He blindly used deadly force without confirming that such was aimed at anyone posing an immediate threat. He also failed to be aware of the direction in which he was firing and endangered other innocent lives. As well, he was previously disciplined for endangering another innocent individual.
Hankison appealed his termination. In his Request for Merit Board Hearing, he claims that the chief fired him before gathering all investigative information and denied violating standard operating procedures. While the public is righteously angry over racial persecution, George Floyd’s death, and other events, it was wrong to assume what took place in Taylor’s apartment was similar. Fact checking of claims in the Courier Journal confirmed that public information is false.
The pertinent Louisville Metro Police Department Standard Operating Procedures are as follows:
- Standard Operating Procedure 5.1.2 (Obedience to Rules and Regulations: LMPD members will not violate any act that violates the laws and ordinances and will abide by the Standards of Ethical Conduct.
- Standard Operating Procedure 9.1.12 (Impact Weapons): unless deadly force is justified, officers will avoid intentional strikes of impact weapons to the head, neck, throat, or clavicle.
Presentation of Findings
It took extensive research to gather and sort through what appeared to be legitimate information. Even when details seemed accurate, sources often led to unreliable, outdated, or later-revised origins. This article includes the most sensible, reliable, and verifiable information. Links are provided for reader satisfaction.
This article earlier claimed that some public knowledge might be incorrect. Take for example, the Louisville Courier Journal review of the LMPD’s Place-Based Investigations Unit’s report regarding Glover. Such information pertained to Taylor’s relationship with Glover and contained additional reasons for justifying the search warrant. The newspaper admitted that the report was undated, that the preparing officer’s name was redacted, and that Mayor Fischer denounced its release. Furthermore, there are two dates on the article (August 25, 2020 and August 26, 2020) – the editor explains that an earlier version was published before final edits were made. Despite all this, numerous news sources link and sub-link to the article’s findings as fact, including the Washington Post and the New York Times.
Another Louisville Courier Journal article debunks eight rumors regarding Taylor’s shooting. It was initially dated June 16, 2020, but was updated September 2, 2020. The editor’s note indicates that new evidence and theories updated the article. Other news sources also linked and sub-linked to this article, which originally debunked seven rumors.
A previously mentioned New York Times article discusses the incident report and claims it contains multiple errors (e.g. that it lists Taylor’s injuries as “none” and that officers did not force their way into the apartment). The linked incident report, however, is described as a “DEATH INVESTIGATION – LMPD INVOLVED” and Breonna Taylor is listed as the victim. While “no” is checked under forced entry, the rest of the report is either left totally blank or redacted. It is also unsigned.
Recall the protection order in the family’s civil lawsuit. The public is not to receive records. Thus, all documents anyone receives are unreliable. Any unsigned document is unreliable. Evaluations of anything unreliable is questionable. Repeated revisions of evaluations are questionable. This article, therefore, did not include any information that appeared unreliable or questionable.
These comments do not take into account the unreliable and questionable information lesser known news outlets published or the falsehoods and distortions social media spread. Such information was also not included.
The Supreme Court and the “No Knock” Warrant
The warrant Judge Shaw executed contained a no-knock provision. Such allows police officers enter a property without knocking or declaring their presence. Several Supreme Court cases apply.
In the matter of Wilson v. Arkansas, 514 U.S. 927 (1995), the Court held that the Fourth Amendment embodies the common law (judicial precedent) condition that police officers must first “knock and announce” their presence before forcibly entering a property. Police may, however, enter without knocking when they have a reasonable suspicion that knocking and announcing endanger their lives or hinder the investigation. (Reasonable suspicion is a legal authority with which the officer draws through facts and experience)
In Richards v. Wisconsin, 520 U.S. 385 (1997), the Court verified that under Wilson, the Fourth Amendment did not allow a blanket exemption to the “knock and announce” requirement for felony drug investigations. While police officers may believe there is a threat of physical violence or a risk that suspects would destroy evidence should they provide advance notice, such does not eliminate the court’s scrutiny of the “knock and announce” reasonableness in a certain matter. In the particular case, the judge refused to issue a “no knock” warrant because the evidence at the time was insufficient. At the time the officer entered the premises, though, evidence was sufficient. The court, thus, must examine that the evidence at the time officers enter property.
Then, in Hudson v. Michigan, 547 U.S. 586 (2006), the Court held that the court only needs to contemplate the exclusionary rule when considering a “knock and announce” rule violation. While the Court recognized that unannounced police entries might destroy property and incite violence from startled residents, the rule never protected an individual’s interest where government warrants were concerned. Social consequences versus rule violations need consideration. As Richards held, ignoring “knock and announce” rules really only prevent evidence destruction and side-step life-threatening dangers, so great deterrence is scarcely needed. Civil rights lawsuits are already controlling police misconduct, placing importance on internal police discipline, and increasing professionalism.
Louisville Metro Code of Ordinances (LMCO) Regarding Search Warrants
Standard Operating Procedure 8.1.19 Search Warrants (Notification), which referred to LMCO 39.069, stated that police officers will knock on the door in a manner in which the occupants can hear, and clearly announce themselves and their intent. They are then to wait a minimum of fifteen seconds before entering, that is unless urgent circumstances exist. Each situation is unique, however, and officers may forcibly enter.
Analysis
Was the “no knock” warrant legal? Many ask this repeatedly. Many discuss the truthfulness of Jaynes’ reports and Judge Shaw’s execution of the search warrant and “no knock” provision. In reviewing Hudson v. Michigan, 547 U.S. 586 (2006), however, as the courts only need to review the exclusionary rule, these questions may all be irrelevant.
Under Wilson v. Arkansas, should it apply, police would need a reasonable suspicion that Taylor would destroy evidence or endanger their lives. The courts need to speak to the officers and/or review police records. Under Richards v. Wisconsin, should it apply, courts would have to examine the evidence at the time the officers entered the property.
Then, again, did the officers provide Taylor an opportunity to open the door? Or, in other words, did they follow “knock and announce” rules? Walker’s complaint indicates that there may have been some opportunity to respond, but under LMCO rules, should that apply, was it at least fifteen seconds? It’s Walker’s word against the police officers’ and either a judge and/or jury’s job to figure it out.
Walker’s Firing Upon the Officers
Walker fired his gun at the officers when they attempted to enter Taylor’s apartment.
Many overlook this part of the story when considering this matter. Should they? Is it relevant? Should it be?
If Hudson does not apply, the courts might look to Richards (which came after Wilson). In considering the search warrant, the courts need to look at validity evidence at the time the officers entered the property. But, Walker fired on the officers at that time and a police officer was shot (as of yet, no one knows by whom). So, his firing might impact decisions regarding the search warrant’s validity.
The Marshall Project, a non-partisan, nonprofit news organization, looked at this matter. While most states restrict aggressors from asserting self-defense, most also say that police, when acting in their power, cannot be self-defense aggressors. And, generally, a citizen can only claim self-defense against a police officer when they don’t know that a police officer is attacking them. The situation would then appear to be caught in an endless circle which with, again, a judge or jury would have to decide.
Can Any Government Entity Arrest and Charge the Officers with a Crime?
There may still be too many unanswered questions and too much unsubstantiated information for anyone to yet charge the officers. It’s still unclear whether or not a grand jury is actually deliberating anything and, if so, if it’s even a major development. Six months may seem long, but in legal terms, it’s not. Furthermore, Coronavirus concerns continue to delay government and professional office developments.
The Marshall Project mentioned “wanton indifference,” which Kentucky defines as intended and extremely dangerous and reckless behavior. The state doesn’t allow valid self-defenses against such behavior, so the state or the federal government could pursue such charges against the officers. Perhaps this could be something the state or federal government might use.
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News
41st Annual Candlelight Vigil Anniversary Celebration for Co-Founder Margaret ‘Mom’ Wells
Published
7 months agoon
May 30, 2024Philadelphia, PA – One Day at a Time (ODAAT) hosts its 41st Annual Candlelight Vigil Anniversary Celebration for Co-Founder Margaret ‘Mom’ Wells and includes a community concert with special guests and performers featuring Philly’s favorite’s Wallo and Gillie, vendors, free food, and a resource fair at the Met Philly. The theme of the 41st Annual Anniversary is, ‘One Love, One Philly’ which ODAAT invites the community to address the urgent issues of gun violence and recovery to celebrate the resilience and diversity that defines us as a people.
One Day at a Time is a non-profit organization that works consistently to provide services to those suffering from addiction. ODAAT President Mel Wells stated, ‘For decades we’ve had a candlelight vigil to remember those who passed away due to HIV/AIDS and gun violence. In honor of this tradition, we are continuing the legacy of my mother ‘Mom’ Wells who was the guiding light in helping people fight their addictions and pursue the road to recovery. We invite the community to be a part of this free celebration in remembrance of what Philly can be if we keep loving each other and pursuing peace in the streets’.
The annual community concert and resource fair brings together families, loved ones, neighbors, and friends to remember those they’ve lost and celebrate life in a fun-filled and safe environment.
On-site resource tables will be available including free HIV/STD testing, employment opportunities, and more! Now more than ever, we are proud to stand with Mayor Cherelle Parker under the One Philly, A City United anthem as we celebrate this event themed, ‘One Love, One Philly’.
Press is welcomed and encouraged to attend, please RSVP to teresa@tmlfirm.com
General Information:
Date: Wednesday, June 26, 2024
Time: 2:00 PM – 8:00 PM
Location: (Indoors and Outdoors) – The Met Philadelphia, 858 N. Broad St, Philadelphia, PA 19130. Traffic Note, the Street will be blocked off on Popular Street.
General Ticket Reservation is Required for Entry: https://odaat.ticketleap.com/2024-candlelight-vigil/
Social Media #’s: #odaat, #odaatphilly #onephilly #onelove
Corporate Sponsors: Thomas Jefferson University & TJUH System, Aetna, Trooper Foods, Caron Foundation, Bradley & Bradley Associates, The Philadelphia Sheriff’s Office, The Philadelphia Foundation, Community College of Philadelphia, The Southeast Council of Philadelphia.
Community Partners: Senator Sharif Street, Urban Affairs Coalition, NOMO Foundation, City of Philadelphia, Philadelphia Sheriff’s Office, Philadelphia Councilman Jeffrey Young, Jr., District 5, OHS-Office of Homeless Services, DHH – Department of HIV Health, CEG- Community Expansion Grant from the City of Philadelphia’s Office of Policy and Strategic Initiatives for Criminal Justice & Public Safety, SCA- Single County Authority, PHS – Pennsylvania Horticultural Society, PAD- police assisted diversion program, DBHIDS – Department of Behavioral Health and Intellectual dis-Abilities, The Preparedness Program.
About ODAAT: One Day at a Time is dedicated to serving low-income and homeless men and women and their families in the Philadelphia area who are afflicted by addiction and HIV/AIDS. One Day at a Time Recovery, Inc. offers drug and alcohol services to individuals seeking shelter and support in their recovery efforts. ODAAT’s many program services can include case management, classes and workshops, HIV rapid testing, HIV Education and Prevention Services, Food Bank, outreach, and special events. odaat-philly.org
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Event Schedule 2:00 PM – 8:00 PM
*Schedule to be updated accordingly throughout the event
Registration: 2:00 PM – 3:00 PM
Panel Discussion, ‘Breaking the Poverty Mindset’: 3:20 PM – 4:00 PM
Moderator: Cheyenne Corin, Fox 29 Reporter
Special Performances: 4:15 PM – 7:45 PM
Hosted by: Wallo & Gillie
Music Artists: Freeway, Suzann Christine, and others to be announced during the community awards presentations.
Presentation of the Community Awards: 4:00 PM – 7:00 PM
4:00 PM – 4:15 PM | Award: ODAAT Guardian Angel, Awardee: Every Murder is Real Chante Love & Tony Bell
4:45 PM – 5:00 PM | Award: ODAAT Guardian Angel, Awardee: Paulre Hennessy, Urban Affairs Coalition & G. Lamar Stewart, Founder of Taylor MADE Opportunities
5:00 PM – 5:20 PM | INTERMISSION: Wallo & Gillie Fireside Chat Moderated by Mel Wells, One Day at a Time
5:20 PM – 5:30 PM | Award: ODAAT Community Champion of the Year, Awardee: Pastor Carl Day
6:00 PM – 6:15 PM | Award: Community Partner of the Year, Awardee: Rickey Duncan, NOMO Foundation
6:45 PM – 7:00 PM | Award: Corporate Partner of the Year, Awardee: Dr. Keith Leaphart, Jefferson Health
Special Performance: 7:00 PM – 7:45 PM
Music Artist: To Be Publicly Announced on June 12, 2024
Candlelight Vigil: 7:45 PM – 8:00 PM
Mel Wells, President of One Day at a Time
– END –
Lonyo Holmes is the 59 year old business owner of Q&A Wholesale Smoke Shop, the only African American owned smoke shop in the city, located at 2749 Kensington Avenue, Philadelphia, PA 19134, the heart of the Kensington epidemic. Along side his wife Tiesha Chandler, they celebrated 8 years in October 2022, while defending his turf from would-be thieves, and illegal solicitors. Combined with the setback of having his store robbed during the pandemic and failing to secure all but a PPA loan for his business, he’s felt everything. To this day he’s struggles to pay rent due to the economic side effects of an unchecked drug epidemic that deters those interested in learning more about this unique community space.
“During the pandemic one of my folks hit my phone and told me “yo, someone broke into your store. They broke in through the window”. So, me and my wife Tiesha go check it out… Man, they hit my displays, shelves, they cleaned me out. They left me with over 20,000 dollars in losses.”
Long before 2022, Lonyo opened his store to build and promote events by community members. So far he’s held shows around spoken word, and hip-hop, while hosting givebacks to the community, meet and greets and more. “Everyday I’m fighting for my livelihood. If I don’t open this shop, I don’t eat.”
Despite the challenges, the fight to survive lives on. These days Mr. Holmes spends his time selling food outside to keep the rent paid. “I started selling more food and water ice because that’s the only reason people were coming to my store. I gotta do something if no one is coming here to even buy a lighter”.
One of Philadelphia’s local celebrities, DJ Dior, found inspiration at Q&A, using it as space to provide food for the homeless and a give back with donations provided by Unapologetically Imperfect and The YMCA (North Philly Branch).
Mr Holmes continues to innovate his space, despite his environmental challenges. This past yr he’s added a stage, speakers and more for those blooming artist, both visual and musical. “This area is still a great space. The sound is good, the people are good and spirits here are good as well.“
Bryan Carter: What kind of work do you do in the community?
Lonyo Holmes: We feed the community as much as possible, primarily Friday and Saturday with our nonprofit Samaritans of Service. If we see someone in dire need, we’re here to help.
BC: What are you doing, or considering to rebuild your business?
LH: We are considering a way back – come to our establishment, get ya hair cut (Mr. Holmes is a certified barber), get your ID, or gently used clothes to get employed so folks can get on their feet. We also work with Take Back Philly and Momma Love Soulfood with a Twist where we give out large platters of food. DJ Dior was instrumental in meeting Alicia Joyner, CEO of Take Back Philly. Start between 4:30 and 5:30pm for an hr or until the food is gone. The donations we receive from The Rock Ministries and Richards and Friends United in the Community allows us to bless the rest of the ppl in line. We also deliver to different clothing outlets around the Aramingo area, and to orgs who share our donations with their audience.
BC: How can others get involved?
LH: I’ll tell you how to help our people and our city… Show up. We’re out here every Friday, 11am to 2pm unloading trucks, packing cars, delivers etc. and any help from you would be greatly appreciated.
If you would like to support Mr. Holmes and his community work, check out his event space, and more? Please visit 2749 Kensington Avenue, Philadelphia, PA 19134 or call (267) 584-8354.
Our People
Financial Literacy for Families During the Pandemic
Published
3 years agoon
February 28, 2022Go to school. Get a good education. Get a good job and open a bank account. Does this sound familiar? Most of us heard this from our parents. Most of us have been indoctrinated to believe that this formula would lead us to our dream life. How has that worked out? I refer to this as a covert poverty mindset. Our parents taught us this because that’s all they knew. If we don’t learn something different then we will most likely teach this to our children, and that covert poverty mindset will linger in our communities for at least another generation. Now, more than ever, we need effective and relevant financial literacy education.
- Establish an emergency fund: You should have 3-6 months of your financial obligations saved up for the purpose of protecting against unforeseen events. Studies show that more than half of American families have less than $1000 in savings and therefore struggle to survive the occurrence of even a minor financial emergency. (CNBC.com, “Here’s How Much Money Americans Have in Their Savings Accounts,” September 13, 2017)
- Get proper income protection: The industry refers to it as life insurance. I prefer the term income protection because many people believe that insurance will repair or replace the item that is insured. However, life insurance can not and will not replace a life. It will replace income. Many families lost loved ones due to COVID-19 and since many of those lost were not properly covered, their families had to endure an additional hardship trying to finance the cost of final services for their loved one.
- The last concept that I work to teach families is, “Pay yourself first.” By that I mean prioritize and put money away for retirement. Learning concepts like the “high cost of waiting” and the “time value of money” help create the necessary urgency around investing. True financial freedom occurs when your investment income matches or exceeds that of your earned income. 75% of Americans admit to wishing that they had started planning for retirement earlier than they did. (2016 Wells Fargo Retirement Study)
When I work with families, I use these concepts, along with some others: like the rule of 72 and dollar cost averaging, to help them. I’ve found that many people because of the lack of information are unable to take advantage of, and benefit from the knowledge of the rules of the money game. It doesn’t matter what game you play, if you do not know the rules you are a lot less likely to win. Therefore educating families about the strategies to win, positions them in a much better place to do so. I believe the solution to better finances starts with education. The next step is to develop a plan and lastly to get a coach to help you implement and stick to the plan.
There are financial coaches, like myself, who are actively looking for individuals and families that want to succeed at the money game. Actively looking for people who are willing to open their minds to trying something that may be different. In this regard, financial health is very similar to physical health. When you need to assess or verify that your physical health is in order, you go see a doctor or health care professional for a checkup. They may ask you to change your diet or prescribe some medication to help remedy or enhance your condition. When your finances are in need of a check up, you need to go see a financial professional. They may ask you to change some of your spending habits or put you on a plan that will help or remedy your financial situation. As a parent I feel very strongly that you have to model for your children the importance of appropriate financial planning and to start creating positive financial habits at an early age. Sean Covey says in his book, 7 Habits of Highly Effective People, “First you make your habits, then your habits make you.” When children and young adults begin to incorporate the strategies mentioned above, they maximize the time value of their money and more importantly create habits that become lifestyle.
Asante Sana,
Marc L. Wilson
Fresh Prince of Finance
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