Gerard Spinks as The Underground Millionaire

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Black America Wealth Planning

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Getting started building wealth is about making a plan, creating a goal, and executing your plan on a daily, weekly, and/or monthly basis. Whatever your wealth objective is; create a plan. If you’d like to earn $1,000 in the next month, write down that goal and create a plan to help you get to that goal. If you’d like to earn $4 Million per year, write it down as a goal and develop a strategic plan in writing to get you to that point. Your plan will serve as your navigational map and will get you up and out of your present situation.

Home Built by RMT Construction of Lithonia GA

Home Built by RMT Construction of Lithonia GA

Your plan needs to correspond to where you are in your life right now. If you are young, in your teenage years, and want to buy a car, you should start with a small plan. Sometimes it may be unrealistic for you to buy a car when you are 16, 17, or even 25 so you’ve got to go with a realistic plan that will help you get to that ultimate goal.

Create a plan that details how you will earn enough income to afford the monthly payments, the insurance, and gas. Get a job on the side that pays you enough to clear these expenses so that you can afford to buy and keep the car. If you have a plan to go to college but have no idea how you’re going to get there, write down the goal and begin to scour the Internet for grants and loans that will help you get into college. If the United States government has money for a war, it has money set aside for you to attend college regardless of how much or how little money your parents make.

If your goal is to earn $250,000 annually, again, write this down on paper or on the computer so that it is documented and write down a plan to get there. The plan will have to include much more than just getting the job that will pay you $50,000 per year. But, the job is at least a start. Now you need to lay down the strategic plan to make up the additional $200,000 in income annually. The plan needs to include options on generating income in other ways and must be highly realistic. Maybe some additional income comes from being a Google Affiliate Network marketer or a Market Leverage affiliate marketer that you operate as a side hustle.

The key, which people heavily overlook and simply do not like to do, is to write it down and hold your self accountable to your own plan. You don’t need a bunch of business books telling you this. You need to write the plan down and then actualize the plan and be accountable to your own plan. Don’t let yourself slack. You owe it to yourself to make the plan and the dream work. It’s all you have in this crazy economy.

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Written by undagroundmilli

September 30, 2009 at 6:04 pm

How To Become The Best

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My friend Mike Pechina, an Olympic Judo Champion from San Bruno, California, always says “Repetition is the Mother of All Greatness”. Become the best is not an overnight thing. Becoming the best whatever you choose in your life has everything to do with constant action and effort. No one person has a lock on being the best. Mary J. Blige may be the best R&B singer. P. Diddy may be the best urban clothing designer. Why? How? Why is Lil Wayne the best rapper alive? How did they do it? How did they get there?

Judo Champion Mike Pechina

Judo Champion Mike Pechina

There is no secret to being the best. There is no magic wand. I knew Puffy when he had a black and white business card with a little baby boy on it. I met him at the Gavin Convention and he was just starting out. He just kept going at it. This is your key to becoming the best you. Find out your passion and then just stay at it until it starts to pay. The key is doing it until you start to see financial results. Unless you’re not in it for money. But, if you’re in it to make money, keep after it every single day.

Do not wait until some magical condition or some magical moment to start being the best you. I heard someone say that they were waiting until all things were perfect and until things started popping off to get going. This is ignorant. There is no thing to wait for. Websites are free now on WordPress. You don’t need a ton of money to get cracking. You need passion, energy, commitment, and work effort to become the best.

Aim high and shoot straight and keep doing your thing every single day. Even do it 7 times per day if you can. The key in being the best lies within you. Only you will determine how high and how far you can go. And remember, you can be down and behind in the count and still hit the ball out of the park.

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Derrion Albert – Lessons Learned

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When I was growing up in a rough neighborhood in Peoria, Illinois, the one thing we learned is to never go around a beefing crowd. The murder of the youngster Derrion Albert is very unfortunate. The one thing about crowds is that they get very hyped unnecessarily. I watched the video on Huffington Post, which I’ve decided to not post here, and he got cold clocked by someone who was literally standing right next to him.

Derrion Albert Killers caught on film

Derrion Albert Killers caught on film

In a crowd, you can’t tell your friends from your enemies. And sometimes you have frienemies around you in a hostile crowd. This is a sad state of affairs to see a young black child die in such a senseless manner. But my mother was right. Keep your kid away from the ‘hood if you want your kid to stay alive. The ‘hood is nothing but negativity and people wildin’ out. I pray for Derrion Alberts family in this difficult time but word to black youth: stay away from the crowd and when a fight breaks out, down run into the tornado; run away from it.

I know this is difficult especially when you see your friends caught up in the tornado but these crowds always get onlookers who you don’t know. In Oakland, I saw a huge riot one day near Castlemont High School. The crowd had built up a frenzy and you couldn’t tell which side which kids were on. I decided to NOT jump into the crowd and help because I couldn’t tell friend from foe. I encourage all black kids to stay out of the fray. When the crowd becomes an angry mob, head in the other direction even if you believe it’s braver to head into the storm.

The key to staying alive and protecting ya neck as a black kid is to know when to fight and know when to run. The key is knowing when to run and not letting pride and ego overcome you. Kids will never put down weapons in the ‘hood. It’s too dangerous and most people believe they need to protect themselves. So, I stayed alive by knowing how to stay away from the ‘hood and stay away from senseless mobs. Prayers to the Derrion Albert family and friends who have to deal with this.

Written by undagroundmilli

September 28, 2009 at 3:08 pm

Kimbo Slice Is A Total Sham

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Whenever I used to watch this ghetto street fighter named Kimbo Slice fight in back alleys on the Internet via Youtube, I would always question the ability of his opponent. I watched him fight a police officer who had ground game and as soon as the fight went to the ground, they stopped the fight and brought it to Kimbo’s strength of standing up trading blow to blow.

Supposed MMA fighter Kimbo Slice

Supposed MMA fighter Kimbo Slice

Any real fighter would tell you that to cater to a fighter’s strength only is not real fighting. Yes Kimbo Slice is a tough dude. Yes, he can beat the average cat in the club that’s rushing the talent he is hired to protect. Yes, he can beat the crap out of the dude in the backyard in Miami. But, to sell us on the fact that he could really fight was a joke.

I don’t think anyone in any real fight circles ever thought he could fight. His image was tough and gruesome on Youtube when he became a street phenom. Now, Dana White is painting this dude as a family man with six kids to support at home. This is a joke and Kimbo Slice is a joke to any real Mixed Martial Arts fighter or fan. I don’t want to see someone get knocked out in 14 seconds by another dude with pink hair like Kimbo Slice did.

I have watched MMA since my good friend Adisa Banjoko hipped me to it with the Gracie brothers way back in the early 1990s. We would watch this at my home in East Oakland and at Adisa’s home in San Bruno like religion. We were glued to the screen and would have friends over to watch these fights not because of the blood and gore but because we were impressed with Royce Gracie and his whole entire family and Gracie Jiu Jitsu.

We are devout MMA fans because of skill and talent not because someone can beat the crap out of someone in the streets. We are fans of Willy Cahill in San Bruno, California because Mr. Cahill is the best in the world and trains the best fighters in the world. Kimbo Slice is a total and complete sham and should retire from any MMA fights. He should think of another way to raise and feed his six kids.

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Written by undagroundmilli

September 26, 2009 at 3:25 pm

Avoiding Internet Crimes and Scandals

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In this day and age, anyone can hide behind a computer and pretend to be the Executive of the Year dishing out Executive Orders like they are President Obama. I recently interviewed a woman from Boston, Massachusetts who lost her entire life savings to an Internet Crime Syndicate from Nigeria. Before you cast stones and say how careless this poor lady was, listen to her story and how she got sucked into one of the greatest Internet crime stories in history.

Beware Internet Crimes and Scandals promising Riches and Wealth

Beware Internet Crimes and Scandals promising Riches and Wealth

Maude and her husband James had worked all their lives. They were savers and regularly saved 20% of their income since they were in their 20’s. After 40 years of work, they had a nice little nest egg saved up for retirement and planned on moving to Florida to retire and leave the cold Boston winters behind. They deserved it. They lived a simple life. Had two kids who are grown now and saved over $250,000 in cash.

They knew they wanted their money to grow and while James was still working for the final year and a half at his job, Maude decided to attempt to try to grow their nest egg into something more sizable that they could live off off for at least 20 more years, God willing. Maude decided to use a venture capital networking site via the Internet that she figured she trusted due to their reputation or what she thought was a good reputation.

She put out her executive summary and was surprised when an investor reached out to her saying he was with a UK investment firm and loved her business plan. He said he wanted to invest. She was excited and really wanted to put her money into good use and start making passive income and building more wealth with her hard earned savings.

The UK firm sent her a term sheet within a week after they reviewed her business plan and did their due diligence. They sent her a due diligence sheet that outlined what she needed in order for them to invest. She also received an official term sheet from Barclay’s Bank in London with their seal on it saying that she was approved for $950,000. The UK Investment firm made arrangement to fly to Boston, Massachusetts to meet up with her and close the deal.

She told her husband James and he was excited too. She wanted to surprise him and hold off on telling him until all documents were proven official. She sent the term sheet, offer letter, and due diligence sheets to her lawyer of 30 years and he blessed the documents coming from Barclay’s Bank as legitimate and official. The UK firm scheduled the day they were supposed to meet in Boston.

The day of their meet up, the UK Investment firm called and said they could not make it and that she needed to wire $5,000 to London so that they could finish the financing. At this point, she was so excited about the money that she wired it to them without hesitation as they gave her an escrow company to wire it to. (to be continued)

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Atlanta areas declared disaster area due to floods

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The White House has announced that Atlanta area counties have been declared major disaster areas due to the excessive flooding going on in Georgia. Black people don’t have such a great feeling about FEMA but FEMA is the agency of record to handle the funding of people who are displaced and homeless due to this flood. I can only pray and hope that it’s not handled the way Hurricane Katrina was handled in New Orleans.

Atlanta Flood victims can get help from FEMA

Atlanta Flood victims can get help from FEMA

FEMA also handled the distribution of monies during that flood and almost everyone that I spoke to who came to Atlanta from New Orleans got very little in the way of help. You can apply for help and reach FEMA at Disaster Assistance or by calling 1-800-621-FEMA(3362) or 1-800-462-7585 (TTY) for the hearing and speech impaired. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time).

Let’s hope FEMA does better this time with residents of the following Atlanta counties: Carroll, Cherokee, Cobb, Douglas, and Paulding.

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Written by undagroundmilli

September 25, 2009 at 8:21 am

John Madden NFL 2010 Bay Area Tournament

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Madden 2010
is again off the chain. I first started playing Madden kind of late in the game back in 2009 when I first bought my XBOX. I immediately fell in love with the game and this was the best graphics I had ever seen in a football game. I was originally a first person shooter type of dude that only played Tom Clancy’s Ghost Recon and Rainbow Six Las Vegas.

NFL Madden 2010 Tournament

NFL Madden 2010 Tournament

After a few home based tournaments in my condo in Atlanta, my crew urged me to get the Madden ’09 and play tournaments. What did this start?! It was crazy! I began having tournaments in the condo in Atlantic Station which then spawned tournaments at my friends’ house, and in turned spawned tournaments in some of Atlanta’s hottest sports bars on big screen TV’s. It was insane and I was hooked.

This year, I came out to the Bay Area and went to go see a movie in Brentwood, California at a theatre called Rave. I talked to the manager because I fell in love with the huge 3D big screen and the sheer awesomeness of this theatre. He tells me that the dude at Gamespot across the street wants to do a NFL Madden NFL 2010 tournament. Say no more. I got on it immediately and organized a tournament with my friends at KMEL radio station and the organizers of Midnight Basketball.

This is going to be a phenomenal tournament. I will post tournament details soon.