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The Case for a 10% Credit Card Interest Cap: A Step Toward Financial Freedom <figure id="figure-vh4itdxbum5cw9beq"><img id="vh4itdxbum5cw9beq" src="https://cdn.durable.co/blocks/35eJgxzBEWoTJoNAmsnsXnMnZYvdImk6iW8F3Kl57zwMvtIpG8iM0UPBA4hmnhw4.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/35eJgxzBEWoTJoNAmsnsXnMnZYvdImk6iW8F3Kl57zwMvtIpG8iM0UPBA4hmnhw4.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>When Bernie Sanders and Donald Trump agree on something, it tends to grab headlines. The proposed cap on credit card interest rates at 10% has sparked discussions across the political and financial spectrum, and as someone who values financial literacy and responsibility, I believe this policy is a move in the right direction.Here’s why I Kellen Kash Cache Coleman as a "credit card deadbeat." Despite the negative connotation of the term "deadbeat," in this context, it describes someone who pays off their credit card balance in full and on time each month, thereby incurring no interest I support it and why I believe it’s a step toward helping low-income households break free from the vicious cycle of debt.<figure id="figure-jhufnva36m5cwa9g8" class=""><img id="jhufnva36m5cwa9g8" src="https://cdn.durable.co/blocks/22VoCKdKGRxEbDGmrzsjx3l4yGw9TIJrMFVz6kzTWYbv6IuaD5P6wwCEaPP8p3Ud.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/22VoCKdKGRxEbDGmrzsjx3l4yGw9TIJrMFVz6kzTWYbv6IuaD5P6wwCEaPP8p3Ud.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>Understanding the ProposalCurrently, credit card interest rates range from 16% to as high as 36%, especially for subprime borrowers. For many, this creates a crushing financial burden that is hard to escape. By capping interest rates at 10%, this proposal would significantly reduce the cost of borrowing, making it easier for consumers to pay off their balances without falling into deeper debt.Why as a credit card deadbeat, I Support the 10% Cap1. Protecting Low-Income Households High-interest credit card debt is a trap for many low-income families who use credit cards for basic needs or emergencies. A 10% cap provides relief and ensures that the cost of borrowing doesn’t spiral out of control.2. Dave Ramsey Is Right Dave Ramsey has long advocated for living without credit cards, pointing out that most people, regardless of income, don’t pay off their balances in full each month. The result? They get hit with high interest, wasting hard-earned money that could be invested or saved. A cap reduces this burden, but it also reinforces a critical point: low-income households should avoid using credit cards altogether.3. Encouraging Financial Responsibility Lowering interest rates can make borrowing less punitive for consumers who are trying to stay afloat. While I believe that credit cards should be avoided whenever possible unless a credit card deadbeat, this cap gives people a fighting chance to get out of debt and build better financial habits.4. Combating Predatory Lending The credit card industry thrives on risky loans and sky-high interest rates that disproportionately affect the most vulnerable. This cap would curb some of these predatory practices and shift the focus toward more ethical lending standards.<figure id="figure-5qi4levsam5cwxr7y"><img id="5qi4levsam5cwxr7y" src="https://cdn.durable.co/blocks/7ZVuvMgyUyCBtv65hq6TOeZBTfjFBip1vSlfaJDTJeceIr1fsvWfopFWrWWb0FQw.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/7ZVuvMgyUyCBtv65hq6TOeZBTfjFBip1vSlfaJDTJeceIr1fsvWfopFWrWWb0FQw.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>The Potential ChallengesWhile the 10% cap has many benefits, it’s not without potential downsides. Credit card companies might:Tighten their lending standards, making it harder for low-income individuals to qualify for credit.Reduce or eliminate popular perks like cashback, travel rewards, or introductory offers, which would stop a lot of us deadbeats from using cards.Introduce higher fees to make up for lost interest revenue, which could also stop us deadbeats from using cards.These changes could limit access to credit and shift costs in ways that are less obvious but still impactful.<figure id="figure-mpj0kw378hm5cwzub2"><img id="mpj0kw378hm5cwzub2" src="https://cdn.durable.co/blocks/20HwyMRsKrdUvN3RkdfzonLO5MZboJ1jOFX3wKEi0iFCG8LxGsMt0uf0cTD6ezEd.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/20HwyMRsKrdUvN3RkdfzonLO5MZboJ1jOFX3wKEi0iFCG8LxGsMt0uf0cTD6ezEd.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>The Bigger Picture: Credit Cards Are Not the SolutionUltimately, we need to address a larger issue: credit cards are not a financial safety net. Low-income households should not rely or have credit cards for emergencies or everyday expenses. Instead, we should focus on:Building Emergency Funds: Even small savings can prevent the need to rely on credit cards.Financial Education: Teaching people how to budget, save, and manage money is critical to breaking the cycle of debt.Community Support: Strengthening programs that provide resources and assistance for those in need can reduce dependence on credit.As Dave Ramsey has repeatedly proven, most people can’t handle credit cards without paying interest. The system is designed to benefit lenders, not borrowers. A 10% cap is a step in the right direction, but the ultimate goal should be helping people avoid credit card debt altogether.ConclusionThe proposed 10% cap on credit card interest rates is a policy I support because it protects consumers and encourages financial responsibility. But let’s be clear: the long-term solution lies in helping people break free from the credit card trap entirely.By focusing on education, savings, and responsible spending, we can empower individuals to live without credit cards—and that’s the real path to financial freedom.Kellen Coleman "It’s A Family Business. It’s Different."<a data-mce-href="https://linktr.ee/kellenkash" href="https://linktr.ee/kellenkash" title="BOOK TIME HERE">https://linktr.ee/kellenkash</a>

The Case for a 10% Credit Card Interest Cap: A Step Toward Financial Freedom

Memo sign PPP Loan Paycheck Protection Program on the black piece of paper.

PPP Loans and Celebrities: Can Money Keep You Out of Jail?<figure id="figure-hxo8aztkerm5ek2o8s"><iframe id="hxo8aztkerm5ek2o8s" src="https://www.youtube.com/embed/d-wvBiMwC_E" class="w-full bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://youtu.be/d-wvBiMwC_E" data-corners="default" data-fullwidth="false" data-mce-src="https://www.youtube.com/embed/d-wvBiMwC_E" data-mce-style="aspect-ratio: 16/9;"></iframe></figure>In a world where fame and fortune collide with the justice system, the question arises: Can multi-millionaires truly buy their way out of jail in America? Let’s dig into this with a recent example that’s raising eyebrows.Baby Blue, a member of the hip-hop group Pretty Ricky, was sentenced to federal prison for PPP (Paycheck Protection Program) loan fraud. His case sent shockwaves through the music industry, serving as a cautionary tale for other celebrities and entrepreneurs. Now, names like Chris Brown and Lil Wayne are reportedly being scrutinized for their involvement in COVID-related financial aid programs.While these artists are yet to face any formal charges, the spotlight is intense. The PPP loans, intended to support small businesses during the pandemic, became a fast track to fraud for many. Some individuals inflated payroll numbers, created fake businesses, or used the funds for personal luxury. The big question remains: Will these multi-millionaires face consequences, or will their wealth shield them from the repercussions?The American Justice System: A Pay-to-Play Reality? In America, justice often seems to have a price tag. Wealthy individuals can afford high-profile attorneys, negotiate plea deals, or settle civil cases out of court. But federal crimes like PPP loan fraud are no small matter—just ask Baby Blue, who couldn’t avoid prison despite his fame.However, the narrative isn't always so straightforward. Celebrities often claim ignorance of the fine print, blaming business managers, accountants, or other handlers for mishandling the funds. But how far can that excuse go?Hip-Hop and Accountability The hip-hop community has long been a mirror of society’s double standards. While artists like Baby Blue face harsh sentences, others seem to sidestep accountability. Is it a matter of influence, money, or connections? Or does it come down to who the system chooses to make an example of?<figure id="figure-y2qp1iyinm5ek39yq"><img id="y2qp1iyinm5ek39yq" src="https://cdn.durable.co/blocks/8gxzIHmLC480hHZhENmxrasCbNP7IxKOSisYZ2NdaSuk17RLbAfj0JeaTlFmAdJk.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/8gxzIHmLC480hHZhENmxrasCbNP7IxKOSisYZ2NdaSuk17RLbAfj0JeaTlFmAdJk.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>What’s Next? If Chris Brown, Lil Wayne, or other high-profile names are implicated, their cases could set new precedents. Will the system bend under the weight of their wealth and status, or will justice prevail? One thing is certain: the truth about America’s "pay-to-play" justice system is on full display.<figure id="figure-qihh16jiocm5ej4di8" class=""><img id="qihh16jiocm5ej4di8" src="https://cdn.durable.co/blocks/2amAtQMRnVlO5zvbadVBiNhAmhe24blKg6P8TG9gKyIxdJaJ7PjZQAnXbALrycRi.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: undefined% 0%;" data-corners="small" data-aspect="16:9" data-caption="" data-positionx="undefined%" data-positiony="0%" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/2amAtQMRnVlO5zvbadVBiNhAmhe24blKg6P8TG9gKyIxdJaJ7PjZQAnXbALrycRi.jpg" data-mce-style="aspect-ratio: 16/9; object-position: undefined% 0%;"></figure>Why You Need Kellen Coleman and CPRFIRM.COM This is why you need me, Kellen Coleman, and my team at <a data-mce-href="HTTPS://WWW.CPRFIRM.COM" href="HTTPS://WWW.CPRFIRM.COM" target="_blank" rel="noopener">WWW.CPRFIRM.COM</a>. If you want wise game and a team that keeps you legal, we’ve got you covered. From accounting to attorneys and even finding you the right doctors, we ensure your business and personal affairs are handled professionally.Just because you can sing, dance, or run fast doesn’t mean you know business here or abroad. With over 20 years of experience, we specialize in protecting our clients, helping them expand globally, and keeping them compliant.Don’t wait until the headlines are about you. Let us handle the business while you focus on what you do best. Stay ready, stay protected, and stay winning.Kellen Coleman "It’s A Family Business. It’s Different."https://linktr.ee/kellenkash

PPP Loans Scandal: Chris Brown, Lil Wayne, Baby Blue Can Money Buy Freedom?

Diamonds in Your Teeth: A Shiny Waste of Money?Imagine spending $5,000 to put diamonds in your teeth. It might look flashy, but is it really worth it? Let’s break it down and explore how that same money could work for you instead of just sitting in your mouth.<figure id="figure-dzw5nh85blhm5bngxwe" class=""><img id="dzw5nh85blhm5bngxwe" src="https://cdn.durable.co/covers/2evIiUkSAv9S948jcWWgC3CNsBcUqx16tsBhBDXo5ZzWGcFosBGEjrCQkKMzsWaV.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/covers/2evIiUkSAv9S948jcWWgC3CNsBcUqx16tsBhBDXo5ZzWGcFosBGEjrCQkKMzsWaV.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>The Real Cost of Diamond Tooth GemsWhen you pay $5,000 for diamond tooth gems, the dentist’s cost is likely $500–$1,500 for materials. The remaining $3,500–$4,500 goes straight into their pocket as profit. Sure, they’re skilled professionals, but the markup is massive, often between 70% and 90%.Here’s the thing: those diamonds aren’t adding real value to your life. They’re not making you money, improving your skills, or helping you build wealth. In fact, their only function is to make you look "rich" while draining your bank account.<figure id="figure-sk57ze3f1lm5bnjmbm" class=""><img id="sk57ze3f1lm5bnjmbm" src="https://cdn.durable.co/blocks/346Xlya52ZaUzEUEXk812vI4bOndpX7GBlExAagrKf83EcYwACw6nOFsUCftyeNV.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="small" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/346Xlya52ZaUzEUEXk812vI4bOndpX7GBlExAagrKf83EcYwACw6nOFsUCftyeNV.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>The Opportunity CostNow, let’s look at what could happen if you invested that same $5,000 instead of spending it on diamonds for your teeth:1. Invest in the Stock Market:If you put $5,000 into an index fund with a 10% annual return (the historical average for the S&amp;P 500), in 30 years, it would grow to $87,000.Over 40 years, it would grow to a staggering $226,000.2. Start a Business:With $5,000, you could launch a side hustle or invest in a small business idea. Even modest profits could turn into something life-changing over time.3. Education and Skills:Use the money to take courses, learn a new skill, or gain certifications. This could lead to better job opportunities and significantly higher lifetime earnings.4. Real Estate:You could use $5,000 as a down payment on an investment property. Over time, rental income and property appreciation could bring you tens of thousands of dollars or more.5. Therapy or Personal Development:Invest in therapy to improve your mental health, self-esteem, and decision-making. A therapist can help you uncover why material appearances matter so much and help you build lasting confidence.<figure id="figure-hlo6miyrlfm5bnlaq2"><img id="hlo6miyrlfm5bnlaq2" src="https://cdn.durable.co/blocks/23GoydbNLURCALpGhdyRa3WDTchJ7Ro1xSkHTIyVSXcmEu04PCn1cUYOjt0bb5F0.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/23GoydbNLURCALpGhdyRa3WDTchJ7Ro1xSkHTIyVSXcmEu04PCn1cUYOjt0bb5F0.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>Why is Our Self-Esteem So Low?It’s sad but true: the same people spending $5,000 on diamond tooth gems often don’t even have:A savings account with over $5,000.Reliable transportation (some don’t even own a car).A steady career path.Enough financial responsibility to pay child support or take care of their children.Instead, they’re spending money to "one-up" others in front of strangers, chasing fleeting validation. This behavior begs the question: Why is our self-esteem so low?It’s not just about the money—it’s about what the money represents. For some, flashy appearances seem to compensate for internal insecurities, but the truth is, no diamond in your teeth will fix what’s broken inside.<figure id="figure-p9gbe39mofm5bnnbeg" class=""><img id="p9gbe39mofm5bnnbeg" src="https://media.gettyimages.com/id/687209536/photo/invest-in-yourself-drawn-on-white-brick-wall-3d.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=qVYLy2gjrkRG5v_-qgz1_G4dCXGAcs_VamSJwdCEwX8=" alt="Invest In Yourself Drawn on White Brick Wall. 3D" title="Invest In Yourself Drawn on White Brick Wall. 3D" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/687209536/photo/invest-in-yourself-drawn-on-white-brick-wall-3d.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=qVYLy2gjrkRG5v_-qgz1_G4dCXGAcs_VamSJwdCEwX8=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>Invest in Yourself InsteadIf you’re tempted to spend $5,000 on something purely superficial, ask yourself:Could this money help me build wealth?Could it fund therapy or personal growth?Could it create a better life for me and my family?Diamonds in your teeth won’t:Generate income.Build your future.Help you grow emotionally or financially.But an investment in yourself, whether it’s in therapy, education, or financial assets, will.Final Thought:Let’s stop the cycle of wasting money to "look rich" when we’re not even financially stable. Instead, use that money to become rich mentally, emotionally, and financially. True wealth isn’t in your teeth; it’s in your choices. Choose wisely.

Diamonds in Your Teeth: Shiny Waste of Money?

Welcome. Colorful letters of the alphabet on a wooden texture table.

How Immigrants Fuel Economies and Drive Generational Success<figure id="figure-2qlcvzs8kdm591tqms" class=""><img id="2qlcvzs8kdm591tqms" src="https://media.gettyimages.com/id/1202963119/photo/portrait-of-black-female-doctor-in-hijab-standing-with-folded-arms.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=joemAas2TBnowllcdbCxEZEbkHvrASm7CiCpFoI6iYY=" alt="Portrait Of Black Female Doctor In Hijab Standing With Folded Arms" title="Portrait Of Black Female Doctor In Hijab Standing With Folded Arms" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: undefined undefined;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1202963119/photo/portrait-of-black-female-doctor-in-hijab-standing-with-folded-arms.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=joemAas2TBnowllcdbCxEZEbkHvrASm7CiCpFoI6iYY=" data-mce-style="aspect-ratio: 16/9; object-position: undefined undefined;"></figure>Immigration is not just about crossing borders—it’s about fueling economies, filling essential roles, and building generational success. Immigrants play a crucial role in keeping economies functioning, pursuing education in high-demand fields, and driving upward mobility over generations. This blog delves into their economic impact, with data and actionable insights for anyone seeking financial stability. <figure id="figure-cwp4ikrafm5942lvg"><iframe id="cwp4ikrafm5942lvg" src="https://www.youtube.com/embed/AGvGTkd-scI" class="w-full bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://youtu.be/AGvGTkd-scI" data-corners="default" data-fullwidth="false" data-mce-src="https://www.youtube.com/embed/AGvGTkd-scI" data-mce-style="aspect-ratio: 16/9;"></iframe></figure>Immigrants and the Jobs They FillForeign-born workers often take on roles that are essential yet less desirable or lower-wage. These roles sustain industries and keep economies running smoothly.United States:Service Occupations: 21.8% of foreign-born workers are employed in service jobs, compared to 15.0% of native-born workers. Natural Resources, Construction, and Maintenance: 13.8% of foreign-born workers, compared to 7.8% of native-born workers. Production and Transportation Jobs: 15.2% of foreign-born workers, compared to 11.8% of native-born workers. Luxembourg:In Luxembourg, foreign-born workers fill critical gaps in healthcare, construction, and education sectors, which often face labor shortages.Immigrants not only sustain essential industries but also ensure the economy remains competitive by meeting labor demands.Education and Generational MobilityImmigrants and their children often pursue education in areas that drive economic growth, such as STEM fields and medicine. These high-demand careers accelerate upward mobility.Higher Education: Immigrants make up 45% of STEM Ph.D. holders in the U.S., contributing significantly to innovation and technological advancement. Generational Economic Mobility: It typically takes two to three generations for immigrant families to surpass native-born families economically. In the U.S., the children of immigrants achieve higher incomes than native-born peers within two generations. &nbsp; The Wages DebateImmigrants often work in lower-wage roles that natives avoid, but their presence is critical for keeping costs stable and industries functional.United States Wage Impact: Foreign-born workers earn 85% of the average wage of native-born workers, with even lower earnings in service roles. Luxembourg Wage Statistics: Foreign-born workers significantly contribute to GDP despite earning lower wages in certain industries. <figure id="figure-cuabzy2v2m5922l4g" class=""><iframe id="cuabzy2v2m5922l4g" src="https://www.youtube.com/embed/gPpfWthoX-4" class="w-full bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://www.youtube.com/watch?v=gPpfWthoX-4" data-corners="default" data-fullwidth="false" data-mce-src="https://www.youtube.com/embed/gPpfWthoX-4" data-mce-style="aspect-ratio: 16/9;"></iframe></figure>When Immigrants Pursue Careers in MedicineImmigrants who enter medicine or high-demand STEM fields often achieve rapid financial and societal success. Medicine, in particular, offers unmatched job security, high salaries, and prestige.Key Statistics: In the U.S., 27% of physicians and surgeons are foreign-born, far outpacing their representation in the general workforce (14%). Foreign-born doctors frequently specialize in fields with high earning potential, such as cardiology and surgery, earning annual incomes upwards of $208,000. Generational Mobility Boost: The children of immigrant doctors often attend top-tier universities, thanks to their parents’ financial stability. Studies show they are three times more likely to enter Ivy League schools than their peers. &nbsp; Easy Steps for Financial SuccessWhether you’re an immigrant or not, the formula for financial security and generational wealth is clear:Pursue High-Demand Fields: Careers like medicine or STEM offer stability and high income. Learn Financial Literacy: Understanding stocks, investments, and budgeting is key to growing wealth. Live Below Your Means: Avoid lifestyle inflation and focus on saving and investing early. Educate the Next Generation: Ensure your children are equipped with tools to succeed in high-opportunity areas. <figure id="figure-0t38h9k6wfm5923rvx" class=""><img id="0t38h9k6wfm5923rvx" src="https://media.gettyimages.com/id/1085676456/photo/female-doctor-taking-blood-pressure-on-patient-in-a-hospital.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=jrSGDxQPnRTjo379JH7b5xPZowzbbJMMYhGo55tQMjI=" alt="Female Doctor taking blood pressure on patient in a hospital" title="Female Doctor taking blood pressure on patient in a hospital" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: undefined undefined;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1085676456/photo/female-doctor-taking-blood-pressure-on-patient-in-a-hospital.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=jrSGDxQPnRTjo379JH7b5xPZowzbbJMMYhGo55tQMjI=" data-mce-style="aspect-ratio: 16/9; object-position: undefined undefined;"></figure>ConclusionIt’s easy to see: if you want to secure your job, income, and financial future, consider becoming a doctor, pursuing STEM, or mastering financial literacy. Immigrants showcase how hard work, education, and perseverance can lead to incredible success.Learn from their stories, apply these principles, and take charge of your financial future. For more tips on building generational wealth and achieving economic mobility, subscribe and share blogs like these to inspire others.

How Immigrants Fuel Economies and Drive Generational Success

Split Screen TV News Live Report: Anchorwoman Talks. Reportage Montage: Astronaut On Space Mission Reports Facts About New Habitable Planet. Television Program On Cable Channel Concept.

<figure id="figure-jqzff3t7lkm58oi15y" class=""><img id="jqzff3t7lkm58oi15y" src="https://media.gettyimages.com/id/1271296918/photo/woman-interviewing-the-man.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=ZKMAS3w0PyHx-MHRV-3DnqhdN_4S8NQ_KtzXK99_ZCY=" alt="Woman interviewing the man" title="Woman interviewing the man" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1271296918/photo/woman-interviewing-the-man.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=ZKMAS3w0PyHx-MHRV-3DnqhdN_4S8NQ_KtzXK99_ZCY=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>The Rules of Journalism:A Guide for Aspiring Reporters Seek Truth and Report ItAccuracy and fairness are the cornerstones of journalism. Always verify facts and present them honestly. Act IndependentlyAvoid conflicts of interest and remain free from influences that could compromise your objectivity. Minimize HarmShow compassion for those affected by news coverage. Avoid unnecessary sensationalism and invasion of privacy. Be Accountable and TransparentOwn up to mistakes and correct them promptly. Explain your processes and decisions to build trust with your audience. Ensure FairnessProvide context and balance in your reporting, giving all sides of a story the opportunity to be heard.<figure id="figure-6mt62p2j19m591745r"><iframe id="6mt62p2j19m591745r" src="https://www.youtube.com/embed/rg8wF6ENiMI" class="w-full bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://youtu.be/rg8wF6ENiMI" data-corners="default" data-fullwidth="false" data-mce-src="https://www.youtube.com/embed/rg8wF6ENiMI" data-mce-style="aspect-ratio: 16/9;"></iframe></figure>Unlocking the Power of Investigative Journalism: Techniques and Comparison with Other Journalism Types Journalism, at its core, is about uncovering and sharing the truth. Among its many forms, investigative journalism stands out as a critical pillar of accountability and societal transparency. Unlike other types of journalism that primarily report on current events or provide analysis, investigative journalism digs deeper, often exposing hidden truths that influence public policy, social justice, and corporate accountability. For a newsroom like AfricanDiasporaNews.org, this means going beyond sitting behind the desk after gathering a story. It’s about stepping out, engaging with communities, and pursuing in-depth research to uncover impactful stories.&nbsp;Methods of Investigative Journalism Data Analysis and MiningInvestigative journalists often sift through large datasets, using tools like spreadsheets or specialized software to find patterns, anomalies, or trends. For instance, analyzing tax records, election results, or government spending reports can reveal corruption or inefficiencies.Learn More: Data Journalism Bootcamp by Google News Initiative Website: <a data-mce-href="https://newsinitiative.withgoogle.com/training/" href="https://newsinitiative.withgoogle.com/training/">https://newsinitiative.withgoogle.com/training/</a>Freedom of Information Requests (FOIA)FOIA requests are powerful tools to access government records and documents that are not readily available to the public. Investigative journalists often use these to uncover stories hidden behind bureaucratic walls.Learn More: FOIA Basics from the FOIA.gov website: <a data-mce-href="https://www.foia.gov/how-to.html" href="https://www.foia.gov/how-to.html">https://www.foia.gov/how-to.html</a> Undercover ReportingIn situations where direct access isn’t possible, journalists may go undercover to gather first-hand information. This method requires ethical consideration and adherence to legal standards. Learn More: Ethical Journalism Network on Undercover ReportingWebsite: <a data-mce-href="https://ethicaljournalismnetwork.org/" href="https://ethicaljournalismnetwork.org/">https://ethicaljournalismnetwork.org/</a> Source CultivationBuilding a network of confidential sources is crucial for investigative journalism. These sources often provide inside information about corporate misconduct, government malpractices, or other societal issues. Surveillance and ObservationMonitoring activities, attending events discreetly, or observing locations can yield crucial information. This is especially common in environmental or corruption investigations. CollaborationModern investigative journalism often involves teamwork across newsrooms and borders. Collaborative investigations like the Panama Papers showcase the power of shared resources and expertise. Learn More: ICIJ: International Consortium of Investigative Journalists Website: <a data-mce-href="https://www.icij.org/" href="https://www.icij.org/">https://www.icij.org/</a> &nbsp;<img id="ne6fkmkrdm58ojyny" src="https://media.gettyimages.com/id/1491297992/photo/black-woman-magnifying-glass-and-office-for-inspection-with-documents-hr-recruitment-and.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=8IqdDcf22qLqLOsVlHWEMWtawO7U91Kx8m_vvKd6s9Q=" alt="Black woman, magnifying glass and office for inspection with documents, hr recruitment and focus. Human resources expert, manager and paper research for hiring, opportunity or job for future employee" title="Black woman, magnifying glass and office for inspection with documents, hr recruitment and focus. Human resources expert, manager and paper research for hiring, opportunity or job for future employee" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1491297992/photo/black-woman-magnifying-glass-and-office-for-inspection-with-documents-hr-recruitment-and.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=8IqdDcf22qLqLOsVlHWEMWtawO7U91Kx8m_vvKd6s9Q=" data-mce-style="aspect-ratio: 16/9; object-position: center center;">How Investigative Journalism Differs Depth of ResearchInvestigative journalism requires in-depth research that goes beyond surface-level facts. The journalist’s role is to uncover, verify, and present hidden truths that are not immediately apparent. Time CommitmentUnlike daily news reporting, investigative stories can take months or even years to complete. Accountability FocusInvestigative journalism often holds powerful institutions, individuals, or systems accountable, making it a cornerstone of democracy. Risk FactorInvestigative journalists often face risks, including legal threats, intimidation, or harm due to the sensitive nature of their work. &nbsp; Other Types of Journalism (with Short Definitions) Hard News JournalismFocuses on immediate and factual reporting of current events, such as breaking news stories.Feature JournalismExplores topics in-depth but with a human-interest angle, often using narrative storytelling.Opinion JournalismIncludes editorials, columns, and commentary, where the journalist presents their perspective or analysis of an issue. PhotojournalismUses visual imagery to tell a story or capture significant moments in news events.Sports JournalismCovers sports events, athletes, and the broader impact of sports on society.Business/Financial JournalismFocuses on financial markets, economies, industries, and corporate developments.Entertainment JournalismCovers celebrities, movies, TV shows, music, and cultural trends. Broadcast JournalismNews reporting via TV, radio, or online video platforms, often combining visuals and spoken content.Citizen JournalismIt involves non-professional individuals reporting news, often through social media or blogs.Science and Environmental JournalismFocuses on scientific discoveries, environmental issues, and public health topics.The Rise of AI Journalism: A Call to AdaptI believe that AI journalism will eventually replace traditional journalism, especially as we approach Artificial General Intelligence (AGI). By the time we reach artificial superintelligence (ASI), the shift will be complete. AI will outperform humans in finding, researching, and even delivering stories with unmatched speed and accuracy.For journalists, this means it’s time to prepare for a pivot. Save your money, upskill, and explore how you can adapt to a world where AI will take over many traditional roles. Whether it’s your name, image, and likeness (NIL) or the neighbor who cloned or stole your NIL, protecting your personal and professional brand will be crucial.At CPRFIRM.com, we are here to help you safeguard your NIL and your career. From AI-driven brand protection to career strategy, we ensure you stay ahead in a rapidly changing media landscape. Let’s secure your future in journalism together.&nbsp;Why Investigative Journalism Matters Investigative journalism is vital because it illuminates truths that would otherwise remain hidden, empowering the public with knowledge. Whether it’s exposing corruption, uncovering social injustices, or bringing environmental issues to light, investigative journalists play a crucial role in shaping informed societies.Free Courses: LinkedIn Learning: Investigative Journalism TechniquesWebsite: <a data-mce-href="https://www.linkedin.com/learning/" href="https://www.linkedin.com/learning/">https://www.linkedin.com/learning/</a> <figure id="figure-qde4sbp2fgm58ogdbs" class=""><iframe id="qde4sbp2fgm58ogdbs" src="https://www.youtube.com/embed/UeW-FVmUNdU" class="w-full bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://www.youtube.com/watch?v=UeW-FVmUNdU" data-corners="default" data-fullwidth="false" data-mce-src="https://www.youtube.com/embed/UeW-FVmUNdU" data-mce-style="aspect-ratio: 16/9;"></iframe></figure>

The Power of Investigative Journalism: Techniques and Comparison with Other Journalism Types

Robin Hood (as Lego figure) standing next to Bitcoin coins, January 07, 2018 in Venice, Italy

Is Robinhood the Right Solution for Large Withdrawals in Emergency Situations?<figure id="figure-emrd5289ffm57orjsu"><img id="emrd5289ffm57orjsu" src="https://media.gettyimages.com/id/923056514/photo/robin-hood-standing-next-to-bitcoin-coins-january-07-2018-in-venice-italy.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=Pyep6fyQg_JEDakhd4GJsP99C8z_C8dPqqoL_XgNoRw=" alt="Robin Hood (as Lego figure) standing next to Bitcoin coins, January 07, 2018 in Venice, Italy" title="Robin Hood (as Lego figure) standing next to Bitcoin coins, January 07, 2018 in Venice, Italy" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: 50% 35%;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="50%" data-positiony="35%" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/923056514/photo/robin-hood-standing-next-to-bitcoin-coins-january-07-2018-in-venice-italy.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=Pyep6fyQg_JEDakhd4GJsP99C8z_C8dPqqoL_XgNoRw=" data-mce-style="aspect-ratio: 16/9; object-position: 50% 35%;"></figure>&nbsp;When people boast about buying crypto, it already irks me, like, "Congratulations on being late to the game. But when they add that they did it all on Robinhood? Oh, it’s even worse. First off, you bought it instead of mining it, and second, you’re flexing about storing it in the digital equivalent of a toy safe? The limitations become even starker when dealing with significant sums like everyone on YouTube $100,000, $1 million, or navigating countries with stringent banking regulations. Withdrawal limits, fees, and processing timelines can hinder access to funds, sometimes capping withdrawals as low as $80. These constraints highlight the critical importance of securing your cryptocurrency on your own terms, beyond the confines of custodial platforms.<figure id="figure-v2bgg695em57ozbnc"><img id="v2bgg695em57ozbnc" src="https://media.gettyimages.com/id/89884581/photo/safe.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=kL2SFEt5cvjT07cdw5WtV886JU2VL1uGPcRBrc99H3c=" alt="Safe" title="Safe" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/89884581/photo/safe.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=kL2SFEt5cvjT07cdw5WtV886JU2VL1uGPcRBrc99H3c=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>Let's lay out some facts if you need your crypto in a hurry.1. Standard ACH Transfer to a Bank AccountDaily Withdrawal Limit: $50,000Timeframe: 4-5 business daysFee: $0For $100K, it takes 2 days with no fees.For $1M, you’d need 20 days, and the process is entirely free.While free, the slow timeframe makes ACH transfers impractical in emergencies, especially in countries with daily banking caps or strict fiat controls.2. Instant Transfer to Debit Card or Bank AccountDaily Withdrawal Limit: $5,000 per transactionTimeframe: Funds available within 30 minutesFee: 1.75% per transaction (capped at $150)For $100K, 20 transactions are required, totaling $3,000 in fees.For $1M, 200 transactions would incur a hefty $30,000 fee. Though instant, the costs and international banking restrictions, like capped deposits or high conversion fees, make this option less ideal for significant sums.3. Cryptocurrency TransferRobinhood caps crypto withdrawals at $5,000 worth per day or 10 transfers per day.For $100K, you’d need 20 days for the full transfer.For $1M, this extends to 200 days. Crypto transactions bypass many traditional banking hurdles, but to truly unlock their potential, securing your crypto is paramount.It's Not Your Crypto If It's Not on Your KeysThe phrase "Not your keys, not your crypto" highlights a fundamental truth: if you don’t control the private keys to your cryptocurrency, you don’t truly own it. Platforms like Robinhood, Coinbase, or any other exchange act as custodians, meaning they hold your crypto in their wallets and grant you access to it. However, this creates significant risks:1. Custodial Risk: If the platform is hacked, freezes withdrawals, or collapses (e.g., FTX), your funds are at risk.2. Lack of Control: withdrawal limits and delays are imposed by the platform, reducing your access in emergencies.Hot vs. Cold Wallets<figure id="figure-bqhzg5xo0dm57p3kox"><img id="bqhzg5xo0dm57p3kox" src="https://cdn.durable.co/blocks/enbUcrG3Xe45bDSg9WElNihvBaeuFOdq996tdvEREh1krjQXOpOEHqzXtqDg5ZSf.png" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/enbUcrG3Xe45bDSg9WElNihvBaeuFOdq996tdvEREh1krjQXOpOEHqzXtqDg5ZSf.png" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>To mitigate these risks, understanding hot and cold wallets is crucial.Hot WalletsDefinition: Wallets connected to the internet, such as mobile apps, browser extensions, or exchange wallets.Examples: MetaMask, Trust Wallet.Advantages: Easy to access and use for frequent transactions.Disadvantages: higher vulnerability to hacking, phishing attacks, and malware. Hot wallets are ideal for daily transactions but should not store large amounts of crypto due to their exposure to online threats.Cold WalletsDefinition: Wallets not connected to the internet, such as hardware wallets or paper wallets.Examples: Ledger Nano X, Trezor, or offline USB drives.<figure id="figure-tqk5jzevb6m57pcirj"><img id="tqk5jzevb6m57pcirj" src="https://cdn.durable.co/blocks/16L9MkW0QLm6NL4KIXtk5nnDK6KKMxU1s0agCIUJvd5zQm5cnhd4nz790XIY53WH.png" alt="" title="" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: 50% 45%;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="50%" data-positiony="45%" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/16L9MkW0QLm6NL4KIXtk5nnDK6KKMxU1s0agCIUJvd5zQm5cnhd4nz790XIY53WH.png" data-mce-style="aspect-ratio: 16/9; object-position: 50% 45%;"></figure>Advantages: immune to online hacking and phishing attacks.Disadvantages: It requires physical access, and loss of the wallet or recovery keys can result in losing funds.Cold wallets, like the Ledger Nano X, are the safest option for storing significant amounts of cryptocurrency. They allow you to store private keys offline, ensuring that your crypto remains under your sole control.Why You Need a Cold Wallet Like the Ledger Nano XA cold wallet is essential if you’re serious about protecting your cryptocurrency. Here’s why the Ledger Nano X or a similar wallet is a must-have:1. Secure Storage: Your private keys are stored offline, reducing exposure to online attacks. 2. Control: You own and control your keys, ensuring that no third party can freeze or limit your funds. 3. Flexibility: Easily transfer funds to a hot wallet for transactions while keeping the bulk of your holdings secure. 4. Peace of Mind: Protect your funds even in the event of an exchange collapse or regulatory changes.Crypto as a Tool, Not Just an InvestmentIt's critical to shift the perspective of cryptocurrency from being a speculative investment to a practical financial tool. By holding crypto in a cold wallet, you can:Avoid reliance on traditional banks and their withdrawal limits.Access funds anywhere in the world without intermediaries.Conduct peer-to-peer transactions in emergencies or under strict regulatory environments.Final ThoughtsRobinhood can serve small withdrawal needs, but its limits and custodial nature make it unsuitable for large-scale, urgent cash access. For those considering crypto as an alternative, remember: "Not your keys, not your crypto." Investing in a cold wallet like the Ledger Nano X ensures that you maintain true ownership and control over your assets. Crypto isn't an investment to get rich; it's a decentralized financial tool that can empower you to manage your wealth securely and independently. Need help navigating life or business? Reach out to us and book a session see you on Retirement Beach! Contact <a href="mailto:KC@CPRFIRM.COM" data-mce-href="mailto:KC@CPRFIRM.COM">KC@CPRFIRM.COM</a>&nbsp;Kellen Coleman "It’s A Family Business. It’s Different."<a href="https://linktr.ee/kellenkash">https://linktr.ee/kellenkash</a>&nbsp;<figure id="figure-kzfsxhpmvm57phfpi"><img id="kzfsxhpmvm57phfpi" src="https://media.gettyimages.com/id/2164501072/photo/people-friends-and-holding-hands-on-beach-for-freedom-outdoor-adventure-and-happiness-on.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=pDZAA3gGOaVqGuj2LnzLJ_RVJ5r0vIjSVkch7drPLvQ=" alt="People, friends and holding hands on beach for freedom, outdoor adventure and happiness on summer vacation. Carefree, back and youth together with seaside fun, united and group on holiday for weekend" title="People, friends and holding hands on beach for freedom, outdoor adventure and happiness on summer vacation. Carefree, back and youth together with seaside fun, united and group on holiday for weekend" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2164501072/photo/people-friends-and-holding-hands-on-beach-for-freedom-outdoor-adventure-and-happiness-on.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=pDZAA3gGOaVqGuj2LnzLJ_RVJ5r0vIjSVkch7drPLvQ=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>

Is Robinhood the Right Solution for Large Withdrawals in Emergency Situations?

Coleman Public Relations & Consulting Firm LL (CPR

Coleman Public Relations & Consulting Firm LLC is a dynamic communications and strategy company helping businesses, entrepreneurs, and organizations amplify their voices and scale their impact. We specialize in public relations, brand management, and consulting, with a strong focus on integrating Artificial Intelligence into modern business solutions. Our strength lies in blending traditional PR expertise with cutting-edge AI tools for data-driven storytelling, crisis management, and business growth strategies. We advise clients across industries, offering services in media relations, digital marketing, business consulting, career coaching, and AI-powered solutions for efficiency and competitive advantage.

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Coleman Public Relations & Consulting Firm LLC (CPR FIRM)

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