Thursday, March 11, 2010

Bank of America... Changing the Game!

My freshman year of college Bank of America was right there my first steps onto the campus.  One of the most popular banks in the U.S.  I thought I was BIG TIME!

Do I still have a Bank of America Account Now......?

Like my mom says sometimes, do you want me to answer that with one word or two words?

Hell No! I no longer bank with them & it was primarily due to OVERDRAFTS & OVERDRAFT fees.  It baffles me that to be such a large financial entity, BOA did not have their stuff together when it came to national transactions.  When I first started the account, I knew that if my mom made deposits in Tennessee at a certain time of the day, it may not be available to me until the next day or so.  Then maybe a year or two later BOA supposedly upgraded their system to make those interstate transactions available immediately if deposited before the deadline.  However, that was not the case!  They also had issues syncing their online banking to update with their automated system.  It was crazy, I had to call so often to dispute Overdraft fees, and my peers experienced these issues too.  I hate for someone to mess with my MONEY!!

However, For all you current cutstomers GOOD NEWS!! Bank of America is eliminating OVERDRAFT FEES!!! You will no longer be able to spend money that you do not have on your debit card.  As we alll know accidents happen, and if you went over .01, you usually had a charge of about $30....ugh the worst.

New Federal regulations will go into effect starting in July, that will make it necessary for banks to obtain consumers permission before charging a $35 overdraft fee.  However, Bank of America is taking the new regulation a step further and not allowing your debit card to overdraft, simply if you do not have enough money to cover the charge.  Now, if you attempt to withdraw more money than you have, you will now be given the option to elect to pay the $35 overdraft fee in order to recieve the funds.  (Desperate times, call for desperate measures I guess)  A lot of banks are expected to soon follow BOA's lead.

Although this sounds like an excellent consumer advantage, overdraft fees are a huge percentage of bank's incomes, and where they loose money one way, you can bet your lucky dollar they will gain it back in another way.  More bank fees perhaps, no more free checking.... Who knows?

What do you think?

*SideNote* I did really like Bank of America's "Keep the Change Program".  It rounds all of your purchases to the nearest dollar and puts the difference between that and what you actually spent  in your savings account.  On your anniversary date each year, the month in which you started the program, Bank of America will send you a check, matching the amount of money you saved by using this program.  My first check was a SUPER SWEET surprise.  Check it out if you're a current BOA customer.


My mother and my brothers say they can always tell who made the kool-aid in the refrigerator, just by tasting it.  For some odd reason..... they talk about my kool-aid with a frown on their face.  I like to do a mix of black cherry & pink Lemonade (sometimes when I entertain guests... I add an extra ingredient that the fans go NUTS over :), lol). 

Anywho, my mom & brothers are the only ones who have ever tripped about my kool-aid (however they always seem to finish off a batch of kool-aid in less than a mattter of hours!)  I follow directions carefully, for every one pack of kool-aid you use, you are suppose to add one cup of sugar in addition to the water. 

I remember making some kool-aid for friends one night, and they were like "Dang, you put your foot in this kool-aid" (lol shoutout to my ABC & my Bestie).  Another time, when I was in high school, my cousin came over and we were both EXTRA HUNGRY.  I made a frozen pizza and some kool-aid.  After we finished she said it was "the BEST MEAL SHE EVER HAD" lol. Its time like these, when I entertain guest and make my special blend of kool-aid, that I know there is nothing wrong with the way I choose to do things.

It just goes to show, that you just cant please everybody.  Stick to your GUNS people, do what you believe in your mind, body, and soul is right & you can NEVER go wrong. 

When you are living your best life, who knows........ you may just end up creating some of the "BEST MOMENTS" SOMEONE HAS EVER HAD!

Wednesday, March 10, 2010

Haters make the WORLD go ROUND

Howard Stern on Gabourey Sidibe

I'm not one to constantly dwell on the "haters" of my life.  I let them do what they do, what they think of me is definitely not my business! :)  But this recent act of public "HATERISM" baffles the heck out of me....HATE at its finest.

So what is a HATER?  According to, a hater is
A person that simply cannot be happy for another person's success. So rather than be happy they make a point of exposing a flaw in that person.
Howard Stern, a popular radio host, whose show was dropped from Clear Channel radio in 2004 due to its explicit nature, recently decided to "hate" on Actress & Oscar Nominee Gabourey Sidibe.  He and his other cast mates joked about her appearance as well as her inexperience as an actress, and dubbed these as reason as to why she will never be successful in Hollywood.  Here is an excerpt from his show.....

"There's the most enormous, fat black chick I've ever seen. She is enormous. Everyone's pretending she's a part of show business and she's never going to be in another movie," Stern said. "She should have gotten the Best Actress award because she's never going to have another shot. What movie is she gonna be in?"
He also continued to say that, she was on of the reasons why currently successful actors/actresses are not getting work and/or new movie roles. Sidibe, skipped school one day to audition for this role, she made each cut until she was finally offered the part.  She now will forever be addressed as an Oscar Nominee (until she in fact wins an Oscar, which could happen).  Stern, played Oprah's entire Oscar introduction of Sidibe, and critized every attempt Oprah made, to describe Sidibe as the new face of Hollywood.

You can hear the entire radio footage on my girl's website , just click the link and search for the story (as well as other current entertainment news).

Now if Howard Stern doesn't deserve the award for "Hater of the Year" so far, then I don't know who does.  It's one thing to think that Sidibe did not deserve to be nominated, but its another thing to suggest she completely lacks talent due to her appearance and her inexperience.  How many movie roles did Jennifer Hudson play before she won her Oscar? NONE & she was only a former American Idol winner, before she began acting. 

Don't get me wrong, everyone is entitled to their opinions, however the attempt to expose what you believe a person's flaws to be, in the midst of stating your opinion is just HATEFUL.  I wonder what "hate" Stern possess with himself that makes him so compelled to state the obvious in such a hurtful manner.

On the other hand, I believe Stern just opened the door for Sidibe to prove him wrong.  All of his listeners (who probably did not see "Precious", just to keep it real), may just go out and buy/rent the movie to see if his claims are relevant.  Heck, they as well as Sidibe's current fans, will be eager to see her next piece of work, to see if she truly has that STAR potential.  And when she wins that Oscar, I hope she adds Howard Stern to her acceptance speech!!!!

Tuesday, March 9, 2010

Sex Tape Scandal pt.2 : TAKE BACK our HBCUs

I ended the below post on the FAMU sex tape with TO BE CONTINUED......

When I first heard about the scandal, I was too angry. (At that time, I thought it was a true story...... that was my fault. I actually didn't hear what it really was, I just heard sex tape at FAMU) Anywho... I did know better than to blog about the incident without reading into it for myself, first.

As reported earlier, it has been discovered that the tape was not filmed anywhere on the campus of FAMU. It is also my personal opinion (see story below) that the students, more than likely did not attend the University. However, the attitudes of those involved is very disturbing & the incident has no doubt branded the University.

It saddens me that individuals thought little enough of themselves and our HBCUs to participate in such activity for monetary gain. The participants were paid for their involvement and sold the video to a pornographic site (, using the FAMU mascot as an attempt to appear as willing college students.

What won't we do for money?

Who's reputation, will we not jeopardize for money & fame?

As a product of a Historically Black College/University, I take great pride in my institution and I am positive that everyone else (HBCU or NOT) feels the same way about their institutes of higher learning (although when the story broke on twitter, some HBCU's began to bash each other, even my own AUC family, NOT A GOOD LOOK GUYS!).

Many of us attend and graduate these institutions and become very productive citizens, employees, entrepreneurs, volunteers, etc. Unfortunately, so many of these things are NOT what our HBCUs are labeled for. Like most negative news.... the unflattering attributes stick around and are hard to wash off.

With that said, I dedicate this post to all my HBCU FAMILIES that are on the road to success or have even completed it. We know for all the bad press these institutes receive there is THOUSANDS of positive things that can be said about the work you do. You don't go unnoticed & if you think you do MAKE YOURSELF KNOWN!!!

oh yea check out my friend's website, if you want to wear your pride on your back, literally... he sells t-shirts unique to HBCUs

p.s. We know rivalries do exists, but LETS STICK TOGETHER and keep the legacies of or institutes ALIVE!!