Daily Archives: January 17, 2022

After a whirlwind romance, Sangeeta Das decided to finally settle down with the love of her life at the age of 35. Married life was bliss. In some ways, nothing had changed. Her husband, a biker, would take her on long adventurous rides. They would explore new places and experiences together. In fact, their honeymoon was a bike ride from Delhi to Goa. Married life, in many ways, was just an extension of a blissful romance. Until it wasnt. The early sign of its approaching end manifested in bickering and disagreements. The final nail in the coffin of their relationship was their disagreement over whether they wanted to have children. Sangeeta did. Her husband didnt. So, a decade and a half later, the couple decided to call it quits and separated. While their divorce was in the process, her husband fell ill, and eventually passed away.

At almost 50, Sangeeta was single. While the circumstances that led to this were unfortunate, what came after was a sense of relief, freedom, and a refined idea of love.Our love wasnt a love which did not have trouble or a love that was unconditional. The fact that our marriage came to an end or that we decided to part ways was because there were situations where we couldnt live under the same roof. We did love each other as human beings, but despite the love,we realised that our paths were different, our dreams and goals were different our levels of understanding values, morals, principles were different. Our ideas of family and personal space were different. So, I had to decide whether I wanted to live with him and hate him, or live away from him and continue to love him. We decided to take a break, but we never expected that the break would start feeling so easy for us. We started enjoying that break too much, and we did not want to get back together anymore. That is when I realised that it was not sinful or shameful to admit that ones love can die, she says.

For years, women have been made to believe that the road to finding true happiness is that of love, a road which would be full of compromises and sacrifices of ones identity and dreams. That is the price that women have had to pay for love, and how. Women have given up on their careers, and redirected the focus of their lives towards running their households and rearing children, all in the name of love. But, the times are a changin and so is womens idea of love. As more women are finding social and financial independence, their criteria for the ideal partner to love is narrowing down. More women are now becoming increasingly aware of what and who they want. They are reevaluating the requisites to fall and be in love. When looking for love, they are not just seeking a partner who is financially stable, or who can take care of them, but also someone who treats them as an equal and offers emotional and intellectual compatibility.

In Jane Austens Pride and Prejudice, Elizabeth Bennett declares she would not marry for money alone; her partner must have qualities like kindness, mutual respect, and intelligence. It is an anomaly in a plot where marriage is driven primarily by financial prospects. It appears as if that anomaly is finally becoming a norm now. As a result, the pool of suitable matches in a society that is heavily driven by patriarchal norms is shrinking a direct outcome of this is an expanding population of single women. According to the Census 2011, the number of single women in the country increased from 51.2 million in 2001 to 71.4 million in 2011, indicating that women are discovering their own agency over their lives; they are refusing to settle for someone just because that is how it has been for centuries.

Mona Dutta is one of them. A year away from turning 50, she is a successful corporate consultant, with a penchant for travel and photography. She never married.Of course, she never set out with a goal of hating love. In fact, she fell in love several times, quite passionately, only to find herself cheated, and heartbroken. Her responsibilities on the home front didnt make being part of a romantic relationship any easier. Alone for several years, she has been taking care of her parents and several of her childless aunts and uncles.

Through her twenties and early thirties, Monahad invested emotionally in a few relationships, none of which, to her disappointment, lasted. In fact, one of her relationships that continued for nearly five years left her feeling lost and disoriented when it ended. It was this heartbreak that changed the course of her life: it led her to a path of spiritual awakening and enabled her to discover the joys of self-love. There was a time in my late thirties when I was deeply in love with a man and when that didnt work out, I went through a lot of grief it affected my health. I was vice-president in my company at the time, but I had to leave it all because I fell ill and also because it was just too much to process. That is when I began my spiritual journey through a community called Joyous Women. This path is of the divine feminine. One of the things that we did there was that we got married to ourselves in a beautiful self-marriage ceremony. And its been very, very fulfilling. I couldnt compare it to conventional marriage which is more of a commercial thing that we do to show others. It is based on the concept of Ardhanarishvara; it is not about the gender, but the feminine and masculine elements within us, and when those are in balance, we are a complete and whole person. The self-marriage was about the feminine in me marrying the masculine in me,she explains. Mona feels complete. Though she is still looking for love, it is not because she needs someone to complete her. Instead, she is looking for someone to share the journey of her life with.

For single women, life is no longer a puzzle with missing pieces. It is an independent journey, and the person they love needs to have a journey that runs parallel to theirs. However, it is not that women no longer desire the comfort of companionship. What they are doing more is contemplating whether it is worthgiving up on freedom and independence by compromising ones own individuality. You miss having somebody at home who waits for you to come back each night. Its terrible to wake up in the morning and to drink coffee alone. You miss the human company. Sometimes, you miss the silence you can share with someone the comfortable silence while being in the same house, but in a different room. But you also get used to it, says Noor Enayat, a queer woman living in Delhi. Would somebody want to be in a relationship just because he or she misses these things? Noor says it has to do with ones priority. Its important to understand that if youre missing a person or the idea of a person, these things can technically be fulfilled by anybody, she says. Noor became single three years back after her last relationship did not work out due to a disconnect over what the two partners wanted. I think two people have to be in the same place mentally. One is not looking anymore at something wherein you move in during the first few months of seeing each other, and then you get married. Thats not how it works, especially in queer relationships, she says. Elaborating on her idea of love and companionship, she says that her ideal partner would be someone with whom she can share her every day and not just have a serious, long-drawn intellectual or romantic conversation.

Having discovered the joys of being self-reliant, many of these women, across age groups, have become set in their ways. They want to make their bed in a certain way, they follow a rule in their kitchen, they have their own timings through the day, and altering all of this for a person who may or may not be forever is something that is no longer up for discussion.It is a risk they do not want to take. Though Sangeeta remembers her love story with her former husband quite fondly, she says the whole idea of everlasting love is a sham that we feed ourselves and then we keep bending rules to include that person in our life or to include ourselves into their lives, ultimately only to get at each others throats. This is because we have never been told that love also comes with an expiry date. There might be nostalgia for the good times spent together, but love wears off, she says.

For some, theend of romance does not necessarily mean the end of a relationship. Noor shares how she continues to be friends with a former partner even though the relationship ended several years ago. We lived together for four years. And we continue to be good friends. Because that was a relationship that was very equal. I think that becomes very important. For me, a relationship is a 50-50 divide. If I take four steps you take four steps. That has always been very essential to the idea of a relationship. That has been the defining factor for me, she says.

Even for younger women like Tanyaa Raturi, the idea of love has changed dramatically since the first time she fell in love at the age of 17. Your idea of love corresponds to the life experiences you have had. At 20, I had lived most of my life in a small town. The idea of a partner came from watching certain types of movies. It was a very heteronormative patriarchal idea: My boyfriend and I would go to malls together and would celebrate Valentines Day. As I grew older, it changed, says Tanyaa, 25. A reflective person, she believes that a certain level of self-reflection is required. Today, what she looks for in a partner has also changed because she looked back at why the relationships she had been in didnt work. Now, I feel that a lot of things that I needed from a partner, I can acquire myself, like intellectual stimulation, which is very important for me. I figured I was enough for this, she says. Tanyaa no longer seekslove from a romantic partner alone. She also seeks it in a set of steady friends people who have been there for her through thick and thin even as romantic partners have come and gone. Love, to her, now means stability.

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How To Be Single: Women And The Art Of Being Happily Alone - Outlook India

This story is part of CNBC Make It'sMillennial Moneyseries, which details how people around the world earn, spend and save their money.

At the end of 2020, Aaron Brock left his home and family in New Jersey and moved to Oklahoma.

Brock and a friend had both applied to the Tulsa Remote program, which pays participants to move to Tulsa, on a whim. When they were both accepted, they knew they wanted to do it. "We were like, 'Man, this is an opportunity we can't turn down,'" Brock, 22, tells CNBC Make It.

Since he works remotely as a technical presales engineer, earning $200,000 per year, Brock was able to qualify for the program and make the move without worrying about cost.

Tulsa Remote is a recruitment initiative that aims to attract remote workers to the city. Its primary perk is a $10,000 grant, which is distributed over the course of one year,during which participants are obligated to live and work within Tulsa's city limits.

The program focuses on community building and aims to help participants "integrate into the local fabric, creating strong interpersonal affinities and nurturing relationships," a program representative tells CNBC Make It.

Aaron Brock and a friend both applied to the Tulsa Remote program, which pays participants to move to Tulsa, on a whim.

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In addition to the money and lower cost of living, the community aspect was a major draw for Brock, who was eager to get involved. "[The program develops] a community and they do a really good job of, 'Hey, I can just jump into a social group,'" he says. "I don't need to move to a new city, be the only person there and have to build it all up from scratch."

Before the move, Brock had mostly lived with or nearby his parents. It was difficult for him to leave them, but "there's a time when it's like, 'Hey, I've got to go try by myself, be a proper real adult,'" he says.

The youngest of four siblings, Brock was homeschooled growing up and spent a significant amount of time with his parents, who allowed him to freely explore his interests and find his passion. He started learning to program when he was about 6, and was immediately hooked.

By 14, Brock was getting paid to work on Minecraft when friends offered him gigs, and at 16, he says he got a longer-term job with a single server earning $1,500 per month for about eight months. "It paid for my first two cars."

Aaron Brock earns $200,000 per year as a technical presales engineer.

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When Brock was 18, a mentor he met at a robotics club when he was a kid offered him a job as a DevOps engineer. He decided to accept it instead of going to college. "It just didn't make financial sense to take four years and however much it would have cost to go to college instead," he says.

Though he enjoyed the work, Brock learned some tough lessons early on. For one, he was unknowingly underpaid in his first job as an engineer, he says. "I got paid $15 an hour. I missed out on a large amount of money by not negotiating that salary or having any idea of what the salary was supposed to be." The average base salary for a DevOps engineer was $97,098 per year as of 2021, according to Payscale.

Now four years into his career, Brock earns about $200,000 annually as a technical presales engineer. That includes his base salary of $170,000 and a 20% bonus based on commissions. While his current company offered him $150,000 initially, Brock negotiated up to the amount he earns now.

Brock feels very comfortable living in Oklahoma on this salary, even without the Tulsa Remote program's grant. So much so that he's able to save the majority of what he earns.

Here are Brock's monthly expenses for December 2021.

From November 2020 to November 2021, most of Brock's expenses, including rent, utilities and groceries, were covered by the Tulsa Remote program and its grant. To Brock, it was an opportunity to save, especially with his high salary.

"I'm young, I make a lot of money, and I recognize that the money that I make now is more valuable than the money I make later," Brock says. "If I can live very minimally at the moment and save that money, it'll be accruing interest, whereas if I live lavishly now and then live modestly in the future, I won't have that added interest."

To accomplish that, Brock tries to max out all of his retirement vehicles. In December, he allocated $2,649 to his 401(k), bringing his contributions to the maximum $19,500 allowed for the year. Previously, he maxed out his Roth IRA during the years his salary was within the permitted range.

I'm young, I make a lot of money, and I recognize that the money that I make now is more valuable than the money I make later.

In addition to this 401(k), Brock saved about $9,047, bringing his total savings to around $11,697 in December. He typically saves more and separately invests an additional amount, but in December spent $25,000 to buy a van to travel throughout 2022.

"I have a FIRE mentality," Brock says, referring to the Financial Independence, Retire Early movement. He intends to retire early and plans to have enough saved to do so in his 30s.

Brock also doesn't have any debt. He treats his credit cards like debit cards, paying off the entire balance each month.

Outside of savings and investments, Brock aims to spend just $1,000 to $1,500 on expenses each month. He does have help from his parents, who pay for his phone bill, health insurance, Netflix subscription and Costco membership. Brock has been included on their family plans since before he moved and hasn't branched off yet.

In addition to eating the same meals over and over, Brock chooses to only wear purple. It helps him avoid decision fatigue and limit the number of clothes he owns.

"I really dislike having stuff, just in general. If you own something, you have to take care of it and it owns you," he says. "Also, I like to not have to make decisions each day and always wear the same thing, like Steve Jobs."

Brock plans to leave Tulsa this year, and start traveling across the country even though it will cost more than his life in Oklahoma.

"When I looked into getting a van, I determined that this is actually not the best financial decision," he says. "A lot of cost goes into a van, be it insurance, maintenance and all of the fun, weird stops that you have to make along the way."

His budget for the year is $14,000, Brock says, which includes insurance and maintenance for the van; sales tax from buying the van; the added costs of living in it, like potentially having to dine out more; and the depreciation of the van over time. Since he works remotely, Brock will easily be able to keep his current job while traveling.

"Down the line, Tulsa is fantastic," Aaron Brock says. "I would not be against moving back once I decide to cease the nomadic lifestyle."

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Brock loves living in Tulsa, and even though he hasn't planned past his adventure for 2022, he says he would be happy to return to the city once he's done traveling. "Down the line, Tulsa is fantastic," he says. "I would not be against moving back once I decide to cease the nomadic lifestyle."

As for leaving the program after a little more than a year, "They have a goal of making me stay there longer, but the agreement is to try it out for a year. I held up that side of the agreementand I tried it out for a year and I thought it was great," Brock says.

But, ultimately, he says he's not ready to settle down anywhere just yet. "I'm gonna be living a very different lifestyle for a bit."

Brock plans to continue saving as well. His goal is to save at least $2 million, so he can retire in his early 30s if he wants to. If he continues to save and invest as much as he does now, Brock is on track to achieve that goal.

"If you follow the 4% rule, that puts me at about $80,000 a year without touching the principal. While $80,000 is a lot less than I make currently, it's a lot more than I spend currently," Brock says. However, he'd ideally prefer to be able to live a bit more "lavish" lifestyle and ultimately have $3 million or $4 million for retirement.

Right now, though, "I'm focused on life experience," he says. "I would like to see the world and experience things that I haven't done before. I'm in a comfortable place to do that."

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Don't miss: This 29-year-old USPS mail carrier is on track to make over $90,000 this yearhere's how he spends his money

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This 22-year-old earns $200,000 per year in Tulsa, Oklahomaand saves around $11,000 a month. Now hes on track to retire in his 30s - CNBC

"We are seeing a migration of talent from traditional finance to decentralized finance and crypto companies."

"We are seeing a migration of talent from traditional finance to decentralized finance and crypto companies," said Alex Mashinsky, CEO of Celsius. "As we prepare for the next chapter of our growth, I am excited to see this top tier talent join our team with the exemplary leadership and wealth of experience that Denizkurdu and van Etten bring from Citigroup and UBS, respectively."

"I am honored to be joining Celsius, a pioneer of innovation, as the financial services industry gets rapidly redefined" said Denizkurdu regarding her new role. "My goal is to position Celsius as an industry leader in decentralized finance with a best-in-class, scalable infrastructure that will also meet regulatory expectations globally as they are established. Bringing in practices from traditional finance and applying them with the innovative mindset and approaches of fintech will be a part of this journey."

Denizkurdu joins Celsius from Citigroup, where she was the Chief Operating Officer and Head of Governance for Risk Management, reporting to the Chief Risk Officer and serving as a long-standing member of the Global Risk Management Executive Council. In this role, Denizkurdu focused on implementation of firm-wide frameworks and processes that enabled effective identification and management of risks while making the company a better and more competitive firm for its clients. She also held roles in Corporate Strategy and Country Risk groups. Prior to Citi, Denizkurdu was a Senior Buy-Side Research Analyst at AllianceBernstein where she invested in Financial Institutions. In this role, she also advised the U.S. Treasury Department on the management of the ~$430bn TARP program.

Denizkurdu graduated Magna Cum Laude from NYU's Leonard N. Stern School of Business with a B.S. in Finance and International Business. In 2020, she was selected as a World Economic Forum Young Global Leader and has been a fellow in Aspen Institute's First Movers Fellowship program since 2012.

"It's a privilege to be part of the Celsius journey and to be in a position to drive future success", said van Etten after his first few months in his role. "The crypto-markets are providing great investment opportunities where I can leverage my experience of innovation paired with disciplined execution to create value for our customers, business partners and company. We are combining deep crypto expertise with seasoned leadership from traditional markets with the goal to redefine the financial services landscape permanently and for the better."

Before joining Celsius, van Etten was in asset management for two decades in global leadership roles at ING, Voya, UBS and Nuveen. He has broad investment experience and was responsible for over $200 billion in client assets in previous CIO roles. Furthermore, van Etten has an operations background and worked in various advisory roles, focusing on efficiency programs at large global financial institutions. Van Etten operated at the most senior leadership levels, with rich experience in developing growth strategies and designing the operations to support the growth. He led the execution of various large scale strategic projects that helped positioning businesses for future success. He is a recognized expert in investments innovation, business restructuring and realizing sustainable business growth in various client channels.

van Etten was born in Italy, raised in the Netherlands and holds a Master's Degree in Econometrics and Operations Research from Tilburg University.

About CelsiusCelsius helps over a million customers worldwide to find the path towards financial independence through a compounding yield service and instant low-cost loans accessible via a web and mobile app. Built on the belief that financial services should only do what is in the best interest of the customers and community, Celsius is a blockchain-based fee-free platform where membership provides access to curated financial services that are not available through traditional financial institutions. For additional information please visitwww.celsius.network.

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Celsius Announces the Appointment of Traditional Finance Executives Aslihan Denizkurdu & Frank van Etten - PRNewswire

When she was a professional tennis player in her teens and early 20s, Sunitha Rao 14 often encountered people in the sport who did not have her best interest at heart.

Coming up as a female athleteit is a brutal place. There were many adults taking advantage of young women in every way possible, Rao says. I was told again and again by men that I would never be anything without them and never be anything outside of the sport. That was the narrative that was shoved down my throat.

At the age of 23, worn out and nearly broke, Rao walked away from tennis, a sport that had defined her and once took her to the Olympic Games. She now needed to find a new purpose for her life, and in the process, push back against all the manipulative people she had met and all their negative predictions for her. I wasnt going to accept that, she says. I have always been a rebel.

In this two-part series, we look at the life and career of Sunitha Rao, who was pushed into tennis at a young age and then found herself having to start over in her early 20s, a daunting prospect given that she had dropped out of school after the sixth grade and was unsure of what direction her life should take.

Despite all the uncertainty, though, she did know one thing for sure: She wanted a life that offered her independence and empowerment. In this second and final installment of the series, we look at how she achieved just that.

After leaving behind her tennis career, Rao came to live in Florida, where she pieced together a new life. In the mornings, she taught tennis at a resort, and, at nights, she worked as a bartender. She also was attending community college, though she was hoping to transfer to another school.

One night at the bar, a group came in, and Rao got to talking to them. One man was a graduate of Babson College, a school that Rao happened to be researching and considering, and he offered to connect her with the Colleges dean of undergraduate admissions.

Just like that, a chance meeting in a bar changed the direction of Raos life. Soon, she was meeting with that Babson dean and being accepted for admittance. Most crucially, she received a financial aid package that covered her full tuition, a turn of events that left her stunned. I called a best friend bawling my eyes out, Rao says. He couldnt understand a word I said and thought I had gotten into a car accident.

Coming to Babson as an undergraduate was an adjustment for Rao. At 25, she was older than her classmates, but they still seemed so much more well-informed and sure of their place in the world. I was trying not to flunk out, she says. This was my chance for redemption. I had to work really hard to level the playing field because of what I missed. She credits her professors for their help, in particular Marjorie Feld, a professor of history. She became my aunt, Rao says.

At Babson, Rao learned to carry herself with confidence, even if she didnt feel that way. In order to be successful, you have to act successful, she says. I didnt see myself as a success. Ultimately, though, she thrived at Babson. I am so grateful for it, she says. I learned so much from that time. A lot of what I learned set me up for life.

After graduating, Rao landed a job at a defense contractor, a stable income that she was happy to have, at least at first.

At the defense contractor, Rao participated in a development program that involved leadership training and rotations through various financial positions. In the early going, she found the work rewarding. She won awards, she was training people in higher positions than her, and she was making an impact.

But the shine of the new job wore off. Rao learned that she was the lowest paid in her cohort, and she realized that her hard work wasnt being appreciated. The company didnt seem to notice her accomplishments or even her skills. We know you are good at things, one manager told her, but we dont know what they are.

It doesnt matter what business you start. Believing in the process is hard. You are betting on yourself again and again. That can be hard day in and day out. It is a series of obstacles. You have to figure it out as you go along.

Sunitha Rao 14

At that point, she began to think back on her time in tennis, how she was always struggling to get by, and about her mother being trapped in an abusive relationship because she didnt have the financial means to leave. Not that her current situation was as dire as the one her mother was once in, but Rao recognized all too well, by being stuck in a job that didnt appreciate her, that the control of her future path now felt out of her hands. I was trapped in a place where my options were limited, she says. That was the moment where I thought, something needs to change.

Rao left the defense contractor, and other jobs have followed, in biopharma and in the mortgage and lending industry. Today, she is a project manager at Afford Anything, a finance and investing platform. She also went on to earn her MBA at Villanova University.

To make sure she is never too dependent on one income source, however, Rao also has taken a leap into a new field: real estate investing.

Intrigued by the scalability of real estate investing and how each property one considers buying has its own history, Rao began purchasing homes. She owns six in all. Typically, she buys distressed homes and fixes them up, and then rents them out on a short- and long-term basis.

While Rao started buying properties when she was living in the Boston area, she actually didnt invest in that market. It was too expensive, especially for a novice investor, so she considered what other regions might be best for investing based on a variety of economic factors. She eventually settled on Indianapolis and has since moved to the city. I could build a business from a distance, she says, but I want boots on the ground.

Becoming an investor required a lot of research and education. It also required having faith that she could pull it off. It doesnt matter what business you start. Believing in the process is hard, she says. You are betting on yourself again and again. That can be hard day in and day out. It is a series of obstacles. You have to figure it out as you go along.

The effort is worth it. Rao is now living life on her terms. She has the fiscal independence she has long sought. Unlike when she was growing up, or playing on the tennis court, or entering her first job in corporate America, she now controls her financial destiny. It took me a long time to learn what I know, she says. If you dont have the ability to manage your money, life can get difficult real fast.

Rao calls her investment firm the Griffix Property Group. At the top of its home page is written, Financial freedom is freedom.

Part 1: Why Sunitha Rao 14 walked away from her pro tennis career.

Posted in Entrepreneurship of All Kinds

Tagged Alumni, Career, Women-Led Entrepreneurship, Entrepreneurs of All Kinds

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Net Gain: From Babson to Financial Freedom Babson Thought & Action - Babson Thought & Action

Like many entrepreneurs before her, Wilglory Tanjong started making her bags for fun and soon, the venture turned into a six-figure business. She started Anima Iris, her luxury handbag company, as a side hustle while pursuing an MBA.

Today, her bags can be found online with big retailers like Nordstrom and Revolve, and on TV in HBOs Insecure. Her brand is also Beyonce-approved, she said.

The success of Tanjongs bag business is no fluke and can be attributed to her entrepreneurial background which helped her minimize mistakes at the early stages. She grew up watching her parents hustle. And when she was two years old, she and her family moved from Cameroon to Maryland.

Tanjong and her sisters assisted their father in his business, including helping him flip houses in the summer. The family also owned a laundromat. Tanjongs mother, on the other hand, was a nurse who also managed a cosmetology studio out of the back of their home.

What pushed Tanjong into financial independence at an early age was when her mother was diagnosed with breast cancer when she was eight. And also, when she was 14, her parents divorced. She watched as her family struggled financially. Ill never forget the day when my mom told us that we were finally approved for food stamps, Tanjong told CNBC Make It. Having those kinds of experiences really pushed me to be financially independent as quickly as I could be.

Despite the challenges, the Cameroonian native soldiered on and got admitted to Princeton University. In her senior year at Princeton, she lost her mother but that did not deter her from becoming a first-generation college graduate.

After her graduation in 2018, she moved to Atlanta, Georgia to start a career as an operational manager at a manufacturing and supply company. Her job came with a decent salary. However, she took a leave of absence after a year in the professional world.

She used her time to travel to Africa, starting from Ghana where she met young entrepreneurs and documented their experiences. She subsequently traveled to Senegal where she met artisans who made shoes and bags, and that was where she got the inspiration to start Anima Iris, her luxury handbag company.

I realized that there was a significant gap in the market, Tanjong said. Women of color, and specifically Black women, have always been excluded from the luxury narrative. Building a brand that centers these women while also bringing forth African culture into the global landscape was like a bingo moment for me.

She started Anima Iris in 2020 and formally quit her full-time job and moved to Philadelphia a month later. She first went viral after being featured in a Vogue article promoting Black-owned beauty and fashion brands.

And her brands greatest success came when it became Beyonc-approved in August 2021.

ANIMA IRIS IS OFFICIALLY @beyonce APPROVED!!!!!!! WOWWWWWWW THANK YOU TO EVERYONE WHO HAS SUPPORTED US. WE TAKING AFRICA TO THE WORLD. Promise , Anima Iris shared on Instagram. The endorsement saw Tanjong record over $23,000 worth of luxury handbags and also became verified on Instagram.

Since launching in February 2020, Anima Iris has made over $700,000 in sales and has recently been making $100,000 in revenue per month. The 25-year-old designs the bags but is hand-stitched in Dakar, Senegal. Tanjong said she pays her Senegalese artisans twice more than the average artisan earns in Dakar.

For so long, Black people have really defined the culture in America, but Ive never actually gotten to reap the benefits of it, Tanjong said. Its so wonderful to see so many Black creators finally being able to actually build their businesses, grow their businesses and for people to have other options outside of the options weve typically had that actually have excluded us.

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Officially Beyonce-approved, says Cameroonian whose brand is making waves in the luxury world - Face2Face Africa

Cryptocurrencies have appeared in the main headlines more than once during the past few years. There was both positive and negative news related to crypto, but they mainly had to do with regulations and with significant drops in value. The public is still divided on this topic, and while some claim it can be a great solution for financial independence and stability, others regard it as a gamble.

In truth, we do have professional gamblers, who are making a lot of money by playing casino games, and there are suggestions on how to use casinos in a way that can be beneficial. However, at the core, there is no 100% certainty with both casinos and cryptocurrencies. The difference is that cryptocurrencies do use promising technology that can be used in different ways. Here we will discuss what the future holds for blockchain NFTs and for digital currencies. This new tech is really closely related to gaming, so video games are also going to be explored throughout this topic.

NFTs or non-fungible tokens are digital assets that can be generated and sold to anyone who wishes to own them. Thanks to blockchain and smart contracts it is possible to determine who owns the rights to a particular digital asset, and it can be determined if someone without any rights to use them is using those same assets. In other words, it can be viewed like digital arts. Meaning artists can tokenize their art and add a certificate to it, which prevents others from accurately copying or duplicating his or her work.

The reason why NFTs are ideal features for games is that video games have a lot of collectibles and cosmetic items that players trade with one another. This can be used to make the experience more unique, and to make in-game goods more valuable.

Source: Unsplash

Today we have multiple NFT casinos and games that are in development. Its hard to say which ones will be successful, but there are several projects where people are genuinely interested in creating something unique. However, much like with anything there are a lot of those who simply wish to capitalize on the hype.

The gaming and casino industry can improve the player experience by relying on the blockchain. Moreover, some of the best casino apps and safe online casinos are those that allow for crypto transfers. In fact, some of the best no wagering casino sites that offer free spins and other bonuses are already expanding on the crypto market, but they still do not offer games that have to do with NFTs. However, we did have something similar in the past when people were gambling using CS: GO skins and thats something that is really close to how NFTs would function. This also shows the main allure behind such gambling games, because if you win something that is currently not valuable that same skin or item can increase in value over time.

The real selling point behind the NFTs in games is more uniqueness and customization options. Players love the ability to project their creativity into the games they play, and this desire to be unique can be fully realized by leveraging blockchain.

We are seeing more and more famous companies like Tesla entering the crypto market. This can be both good and bad. The utility of the currency increases, but it also affects its volatility which is not something you would want. The increase and drops in value are constant, but they shouldnt be too drastic.

Moreover, as more people enter into the crypto community, the whole network will require more energy, and it is already consuming a lot. Because of the green agendas that are dominating in mainstream media, blockchain is under a lot of heat. So, its possible that tech alternatives will be developed in order to sustain the network in a more eco-friendly fashion.

Right now there are both positive and negative things attached to digital currencies. Many criminals use this technology to commit cyber claims and implement ransomware, and there is definitely going to be more of that. Also, we will see more new coins or currencies, since new users want to start with a cheap product and get a significant increase in their investment regardless of the tech behind it. After all, both Dogecoin and Shiba proved this. However, it seems that the tech is here to stay, and it does have a lot of potential to aid our development.

Looking to advertise?We will gladly help spread the word about your project, company, or service.CryptoMode produces high quality content for cryptocurrency companies. We have provided brand exposure for dozens of companies to date, and you can be one of them. All of our clients appreciate our value/pricing ratio.Contact us if you have any questions: [emailprotected]

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NFTS, Cryptocurrency, and Digital Currency: What to Expect in the Near Future - Crypto Mode

As the world embraces digital technology, its arms are also opening to accepting the global evolution currently taking place in the financial space with the advent of digital currencies either owned by governments or controlled by algorithms and technologies.

As digital awareness increases, more people are welcoming of the new digital financial trends and are willing to participate in the markets and gain knowledge to propel financial independence. With this, there is a need for digital financial communities to spring up.

The benefits of digital financial communities where players and new entrants into the financial space converge to leverage on experiences and expertise have a direct impact on the market ecosystem. The communities are beneficial for the literacy and growth of players in the digital financial space which supports the growth of the markets.

The birth of digital financial communities provides for lifelong friendships and bonds with people who share similar interests. These friendships last over time as they learn, dream, discover new opportunities and expand knowledge together. Communities can offer peer to peer mentorships and provide shared resources which allow members to stay on top of new and emerging technology tools. The communities can also provide for teaching and learning experiences that add value and purpose through the converging of minds from different backgrounds to exchange knowledge.

As the world becomes a more global village, as digital financial opportunities make the village even smaller and as markets become easily assessed either by the tap of a button on a mobile device or a click of a keypad on the laptop from any location across the world, digital financial communities make it even easier to partake in the global financial markets, giving a sense of togetherness, encouraging diversity through shared knowledge, improve continuous learning and development and above all, enhancing financial literacy globally.

The enormous benefits of digital financial communities can not be overemphasized as it supports the longevity and acceptability of new financial markets and currencies despite whether it is being backed by governments, algorithms or technologies.

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The Importance of Digital Financial CommunitiesTHISDAYLIVE - THISDAY Newspapers

PARSIPPANY, N.J.--(BUSINESS WIRE)--Summit Financial Holdings, Merchant Investment Management and Fieldpoint Private announced that Summit and Merchant together will acquire Fieldpoints investment advisory unit, establishing a partnership that will deliver Fieldpoint Privates banking capabilities through the Summit advisor services platform, SummitVantage.

When the deal closes, Summit expects to add Fieldpoints unit which today advises on $5.1 billion in total wealth management assets, which would make Summit Financial one of the countrys largest independent wealth management firms, with approximately $12 billion in assets. Moreover, the Summit partnership with Fieldpoints banking unit, which remains independent, will connect the bank directly with all of Summits advisor teams.

Summit has continued to evolve into a 21st century wealth management and financial services firm. In the five years since Stan Gregor stepped in as Chairman and CEO, the firm has executed an extensive series of technology and service enhancements. In 2019, Gregor brought in Merchant, who arrived with long-term and durable equity capital, and gave rise to the launch of Summit Growth Partners. This creative advisor capital solution, offered alongside Summits proprietary technology platform SummitVantage, has helped to more than triple the assets of the firm.

Gregor views the latest strategic move, with Fieldpoint Private, to be one of the few final pieces that will make for a fully integrated chassis of solutions for use by the advisors of Summit and its clients.

The partnership will ultimately expand to north of $100 billion of assets under management within the Merchant community of independent advisor partnerships, positioning the advisors of Summit and Merchant to offer the most integrated banking platform in the independent space, and Fieldpoint Private to emerge as the preeminent bank partner to the RIA community.

Gregor emphasized that the management additions from Fieldpoint to Summit are a natural fit, specifically with proven leader Chris DeLaura, who will now be in the role of President/CEO of the Summit-Fieldpoint division. This continues Summits pattern of attracting exceptional senior operators such as Ed Friedman, who joined the firms executive ranks in mid 2020.

Tim Tully, Executive Chairman of Fieldpoint Private, said the partnership will enable the firm to accelerate its resources and technology toward serving as the leading banking and lending platform for independent advisors and their clients. Independence has been in our genes since our founding, and this alliance is the next logical step in bringing our bank, our capabilities and our belief system to a great many more advisors, families and businesses. Mr. Tully noted that Summit will more than double Fieldpoints potential client base, with Merchant potentially representing multiples of that.

Stan Gregor agreed, adding that this is a critical addition to Summits existing business suite of services. As Summits legacy business enters its fourth decade, we are laser focused on expanding our platform, and enhancing both the advisor and client experience. Our vision has been to build the most comprehensive offering in the independent wealth management industry that elevates our culture of financial planning. Thats what we found with our new partners at Fieldpoint.

Tim Bello, Managing Partner of Merchant Investment Management, added that close-knit partnership is a theme around Summit, and expressed pride at his firms role in bringing the two companies together.

The Fieldpoint brand is highly respected, and Tim Tully and Chris DeLaura are people my partners and I at Merchant consider friends, said Bello. So being able to call them partners is one thing, and then having them join forces with Stan and the team at Summit, which then extends to the broader Merchant family of firms that will leverage the capabilities of the private bank as an option, in a truly open-architecture way, that is quite unique.

Marc Spilker, Executive Chairman of Merchant, feels the truly intriguing piece to the puzzle is what Fieldpoint Private brings as a bank. He said it is coming into the Summit fold in the right way and most certainly at the right time. It is clear that private banking has become more integral to the overall wealth offering. Deposits, credit and trust services are all key components of a familys financial plan and experience. Now with Fieldpoint as a partner, Summit is well positioned to deliver on this promise. As Fieldpoint gets plugged into the SummitVantage offering a real competitive advantage will be created.

Chris DeLaura, who has been at the helm of Fieldpoints wealth advisory business since 2016, feels Fieldpoints advisors will not only be able to improve their client engagement with the fully integrated advisor chassis solution between the two firms, but that the same excitement exists for whats ahead with Fieldpoint having Merchant as partner as well. Our goal has always been to simplify the complex financial lives of our clients with a single point of service for all of their needs, he said. With the group weve assembled under one roof, were well on our way to taking our client experience and service to the next level, building something very special in the process.

About Summit Financial

Summit Financial Holdings, LLCs affiliated firms include, but are not limited to, Summit Financial, LLC, Summit Risk Management, LLC, Summit Advisory Services, LLC, Summit Services IT, LLC, and Summit Growth Partners, LLC.

As an independent financial services firm for almost 40 years, Summit and its affiliates are proud to continue their legacy of guiding clients toward financial success by aligning extensive experience with a forward-thinking philosophy, adapting to industry changes for the sake of best serving our clients now and well into the future. With customized, holistic and hands-on advice, we turn lifes aspirations into success stories. Our financial advice focuses on individual needs and values, not industry norms. To learn more about our firms, please visit our website at http://www.SummitFinancial.com.

About Merchant Investment Management, LLC

Merchant is a private partnership providing growth capital, management resources, strategic opportunities and direction to independent financial services companies, particularly those focused on wealth and asset management. For additional information, please visit http://www.merchantim.com

About Fieldpoint Private

Headquartered in Greenwich, Connecticut, Fieldpoint Privates banking unit holds $1.3 billion in assets and has emerged as one of the fastest growing banks in the country, with assets up 42% from Q3 2020 to Q3 2021. It was recently named Best Boutique Private Bank in the World by Global Finance magazine, and maintains steadfast dedication to understanding clients individual financial circumstances and furnishing unbiased advice and personal service to free up the one resource that, regardless of means, no one can ever have enough of: time. http://www.fieldpointprivate.com

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Summit Financial, Merchant Investment Management and Fieldpoint Private Announce Strategic Investment Advisory and Banking Collaboration - Business...

by Yanis Iqbal. Dated: 1/16/2022 12:12:13 PM

Meanwhile, Pakistans inching closer with China was not liked by the United States. When American finally decided to give arms aid to India in November 1962, Pakistan was not consulted before as was promised to them and this deeply offended the leaders of Pakistan.

On January 10, 2022, National Security Advisor (NSA) Moeed Yusuf said, It [Pakistan] is still not [free from US influence] and I doubt that there is any country which is free from it. He added that the country does not have any financial independence, being dependent on loans from International Monetary Fund (IMF) and other foreign organizations. When we cannot [fulfill] the demands, we seek foreign loans. When you procure loans, your economic sovereignty is compromised. These comments are not entirely stunning; they encapsulate the ambivalent essence of the US-Pakistan relationship. While the Pakistani elite greatly enjoys its self-imposed subservience to the American empire, it never just sits back and rest on its laurels. It continuously tries to exploit what little room for maneuver it has within the bond of servility to further more selfish, regional interests ones which either demand too much from the patron or dont neatly align with the US hegemonic ambitions.AnticommunismUnlike the many postcolonial nations of the time which exuded a great degree of interest in the development of an independent project, Pakistan was totally craven; its creators displayed a surprising lack of enthusiasm in the paraphernalia of sovereignty. They were only interested in somehow securing money, regardless of the consequences which the people would have to face later. Every option was on the table. In The Duel: Pakistan on the Flight Path of American Power, Tariq Ali notes that the new rulers of Pakistan developed an early communal awareness that to survive they had to rent their country. Washington was approached as a possible buyer but it rejected the offer to buy Pakistan as it was busy securing Western Europe and Japan, as well as keeping an eye on China, where the Eighth Route Army was beginning to threaten a Communist victory. However, this did not stop Pakistan from trying to sell itself.Muhammad Ali Jinnah, the founder of Pakistan, continued to consistently market his country as an important ally against Soviet expansionism. Ali remarks that he hysterically insisted that Soviet agents were present in Kalat and Gilgit in search of a base in Baluchistan. These same sentiments were shared in a more sophisticated manner by then foreign minister Zafarullah Khan. [H]e pleaded with the United States to shore up Pakistan, whose people were genetically anticommunist, since this was the best way to protect India against the Soviet Union, which would send its armies through the Khyber Pass. Pakistans persistence in peddling threats about USSR paid off in May 1954 when it signed the Mutual Defense Assistance Agreement, through which the US provided resources and training to the Pakistani army, with the general aim of turning the new nation into a pliant Third World state. In September 1954, Pakistan was officially anointed as a crusader against the godless Communists, joining the Southeast Asia Treaty Organization together with Thailand and the Philippines.Exactly one year later, in September 1955, Pakistan joined another pro-Western organization known as the Baghdad Pact, which included King Faisals Iraq, Iran, Turkey, and Britain. As Pakistan chummed up with its anti-Soviet friends, the inflows of money into the ruling class pockets increased. From 1953 to 1961, Pakistan received around $2 billion in assistance from the US. These wads of cash, however, did not signify a thoroughgoing bilateral camaraderie, one in which the imperialist benefactor would come to the help of its junior partner at all cost. Apart from acting as another chess piece in the anticommunist game, Pakistan served no other significant function for USA. Therefore, the latter felt no need for fulfilling all the demands of the former. In fact, what happened during the initial years of 1960s was the opposite. In United States and Pakistan in the 21st Century: Geostrategy and Geopolitics in South Asia, Syed Tahseen Raza writes:The Sino-Indian Border struggle in 1962 paved the way for closer US-India ties because neutral India, desperate to have weapons in the immediate aftermath of Chinese aggression, made a frantic plea for US help. The US was pleased because this was an opportunity to wean India off the influence of the Soviet Union by offering help in a time of crisis. Meanwhile, Pakistans inching closer with China was not liked by the United States. When American finally decided to give arms aid to India in November 1962, Pakistan was not consulted before as was promised to them and this deeply offended the leaders of Pakistan. The [John F.] Kennedy administration, on the whole, tried to balance the American relationship with South Asia on equal footing and therefore did not view Pakistan as more important than India.Feeling threatened by USAs growing closeness with India, Pakistan extracted from the former, on November 5, 1962, a pledge that it will come to Pakistans assistance in the event of aggression from India. This pledge, nonetheless, did not help Pakistan during the Second Kashmir War (1965) when it undertook dangerous military adventures (Operation Gibraltar and Operation Grand Slam) against India. When the war started, the US cut aid to both Pakistan and India. A similar situation developed six years later. When New Delhi decisively intervened in East Pakistans civil war in late 1971, Washington was unwilling to directly support the Pakistani armys Operation Searchlight against Bengali insurgents (though it did send part of its Seventh Fleet in the Bay of Bengal). The countrys eastern wing seceded to form the state of Bangladesh, dismembering Pakistan in a humiliating way. Spurred by this defeat, Pakistans governing caste realized that the continued existence of the nation was dependent on nuclear parity with India.The development of nuclear weapons was smoothed by conjunctural reasons. In neighboring Afghanistan, the communists, who had backed the 1973 military coup by Prince Daoud after which a republic was proclaimed, withdrew their support from him. In April 1978, the Shah of Iran convinced Daoud to turn against the communist factions in his army and administration. In response to increasingly harsh state repression, left-wing officers in the military stormed the Presidential Palace in Kabul. The government was turned over to Noor Mohammed Taraki, a communist professor who became the President of the Revolutionary Council of Afghanistan. These developments which were extensively supported by the USSR came to be known as the Saur (April) Revolution. The US was terrified. It crafted a subversive plan that made General Zias dictatorship in Pakistan a principal node for sending jihadists to Afghanistan. Singularly focused on destabilizing Afghanistans communist regime, and, by extension, Soviet Union, USA cared less about Pakistan developing its nuclear programme in the 1980s.War on TerrorAmericas benign attitude toward Pakistan changed with the Soviet withdrawal from Afghanistan and the ultimate end of the Cold war. [S]ans the American aim of defeating communism as their top priority, comments Raza, Pakistan was not given any extra consideration. The US Intelligence Report, which had been indicting Pakistan for its nuclear quest, came to be invoked more frequently. When India conducted its Nuclear Test in March 1998, the Bill Clinton administration tried to prevent Pakistan from following suit, offering the resumption of the sale of F-16 aircraft (which had been frozen by George H.W. Bush when he did not certify Pakistans non-possession of nuclear devices) and economic and military aid. But Pakistan demanded more. Raza remarks: Pakistan wanted tough punitive action against India. When the G-8 meeting on 17-18 May 1998 didnt take very harsh measures against India in accordance with Pakistans expectations, bowing to public pressure, Pakistan decided to go for the Nuclear Test, which it ultimately carried out on 28 May, 1998.In response to Pakistans nuclear test, the US imposed sanctions, which included restriction of the provision of credits, military sales, economic assistance, and loans. These were, nevertheless, limited in scope and were not sustained. US-Pakistan relations exited this period of downturn in an explosive manner after 2001, thanks to the murky dynamics cultivated by imperialism in Afghanistan. After the USSR left in 1988, Pakistan maintained a strong footprint in Afghanistan to gain strategic depth against India, continuing to nurture the Islamist extremism that was earlier used to mobilize jihadist fighters from all over the world against USSR. These actions had severe repercussions. When hardhats of jihadism attacked New York in 2001 to express their disgruntlement with Americas bases in Saudi Arabia, the destruction of Iraq and support for Israel, Pakistan was caught in a dilemma. Networks of battle-hardened fighters that it had built along with the USA were now on the attack radar of its imperialist sponsor.With limited options, Pakistan decided to join the US War on Terror, declaring support for the Hamid Karzai government in Kabul. By providing the USA with help in the invasion of Afghanistan, Justin Podur clarifies, Pakistan was able to save its clients and its own personnel from destruction, as much of the Taliban and al-Qaeda crossed the border to Pakistan or went to ground and Afghanistan was taken over by US-friendly warlords. This tactical move had its own disruptive consequences for Pakistans social osmosis. General Pervez Musharraf came to be accused of treason for supporting the USA against fellow Muslims in Pakistan and Afghanistan. This political effect complicated military operations. As the US and North Atlantic Treaty Organization (NATO) made the Pakistan army take action against insurgents operating in Khyber Pakhtunkhwa, casualties increased, eroding the states legitimacy in the region. When Pakistan cooperated with the insurgents on the sly, it faced US threats.ConflictsThe convoluted workings of the War on Terror have had a destructive impact on Pakistans economy. It has lost $150 billion 41% or two-fifths of the countrys total economy size, more than the $13 billion that it received from the US between 1999 and 2013. Since the US invasion of Afghanistan, more than 80,000 Pakistani civilians, security forces personnel and women and children have been killed in gun, bomb and suicide attacks. On average, every year Pakistan suffered losses of $7.7 billion more than the countrys total expenditures on education, health and other social safety schemes. With the growing advance of the Taliban in Afghanistan, current Pakistan Prime Minister Imran Khan wrote an op-ed in the Washington Post in September 2021, saying: Since 2001, I have repeatedly warned that the Afghan war was unwinnable. Given their history, Afghans would never accept a protracted foreign military presence, and no outsider, including Pakistan, could change this reality. Unfortunately, successive Pakistani governments after 9/11 sought to please the United States instead of pointing out the error of a military-dominated approach.Scarred by the War on Terror, Pakistan has been frustrated to see USA establish an alliance with India as part of an anti-China containment strategy. The US and Indian elites have found a common interest in countering China; India is embroiled in disputes on its land borders with China and the US and its allies are contesting Chinas claim to maritime territories across shipping routes in the Indo-Pacific region. It is against this background that Pakistan has returned to Chinas all-weather friendship, initiated in the 1960s by General Ayub Khan who felt betrayed by Washingtons overtures to India in the aftermath of the Sino-Indian border conflict. China has become Pakistans closest strategic ally, supplying it with modern defense equipment. Pakistan supports Chinas stance on Xinjiang, Tibet and Taiwan, and China backs Pakistan on its Kashmir issue with India. Over the past five years, this cooperation has been further cemented by Chinas Belt and Road Initiative (BRI) and its local cognate China-Pakistan Economic Corridor (CPEC), entailing over $60 billion worth of Chinese investments in infrastructure consisting mostly of loans.Despite the economic heft of China, Pakistan still needs Washingtons support, both to get disbursements of its $6 billion bailout package from the IMF and to be removed from the terror-financing and money-laundering watchdog Financial Action Task Forces grey list, a designation that encumbers Islamabads global financial operations. War on Terror cooperation had converted Pakistan into a major non-NATO ally of the US in 2004, granting it various military and financial privileges. The designation had also eased Pakistans access to IMF facilities. With the deterioration of Pakistans relationship with USA, accessing funds has become difficult. In October-November 2021, IMF withheld the release of a $1 billion tranche under an Extended Fund Facility (EFF) to Pakistan until the government agreed to close commercial bank accounts held by the armed forces and other state entities and remitted $17 billion worth of public funds into a single treasury account. It is believed that USA, the single largest financial contributor to the IMF, had a hand in the reform demands.In a June 2021 interview on HBOs documentary news series Axios, Khan had said, Pakistan will absolutely not allow the CIA to use bases on its soil for cross-border counterterrorism missions after American forces withdraw from Afghanistan. To change this policy decision, USA started using IMF monetary policy as a bargaining chip to force cash-strapped Islamabad to agree to Joe Biden administrations counterterrorism operations in Afghanistan. These events highlight the conflictual nature of the contemporary US-Pakistan relationship. And it seems that both the parties have failed to arrive at a proper resolution till now. Yusufs criticism is significant in this regard as he was the one chosen for mending ties with the US. He has spent a decade or more in the think tank and security policy circle in the US capital as associate vice president for Asia at the Institute of Peace, a US government-backed institution. The Pakistani government had recently elevated him from the position of Special Assistant to the Prime Minister to NSA to signal seriousness in creating a new rapport with the US. It seems that Pakistan will have to wait longer for such a reset in relationships.Yanis Iqbal is an independent researcher and freelance writer based in Aligarh, India and can be contacted at yanisiqbal@gmail.com.Originally published in Dissident Voice

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A Short History of the US-Pakistan Relationship - Kashmir Times

Nerissa Reaves, aka Professor Honey, has achieved financial success through hard work and determination. She did not come from money and is no stranger to the struggles of building wealth from the ground up. Her success was not an overnight one, and she now works to help thousands of people to take the right steps to financial freedom.

Honey has a long resume of achievements that helped her to become the financial knowledge source she is today. She has a bachelors degree from Spelman College Magna Cum Laude and a Masters in Education from the University of New Haven Summa Cum Laude. She is also an Alumni for Goldman Sachs 10,000 Small Businesses and an Alumni for Leading Educators. She was a translator for the Japanese Consulate in Kawaguchi, Japan.

Honey has a colorful work history. She was a teacher-turned-restaurateur, investor-turned-model, and, most recently, actress-turned-serial entrepreneur.

Reaves hails from New Haven, Connecticut, and is fluent in Japanese. She was brought up as an academic by a single father who impressed upon her the importance of her studies.

As a child, her father tried to train her to keep her credit high.

But she didnt pick up that financial skill at first. Even though she knew that good credit was crucial to starting a business, she ended up losing everything. This experience humbled her and helped her to move forward and try again.

When a real estate deal went wrong, Reaves had to move onto her friends couch because it left her with no money and unable to afford rent. Even though she had years of investing and business startup experience, not having high credit was her big mistake that could have saved her from this calamity.

Reaves mother became her biggest champion during this time. She encouraged her to keep pushing forward despite her setbacks, and has continued to be a motivational force to this day.

This devastating incident propelled Reaves to become a financial expert by digesting and absorbing everything she could about personal and business credit. She eventually boosted her credit score to 780.

Professor Honeys Credit and Funding Hive teaches people about personal and business credit, helping to restore their credit with a team of financial experts.

Composed of financial experts with credit-boosting know-how, Professor Honeys Credit and Funding Hive is a strategy-rich learning center.

The Hives experts can teach their students to boost their credit up to 200 points. Proven Hive strategies for Experian, Equifax, and Transunion cut through the barriers to financial health and success.

The Credit and Funding Hive reviews, reports and gives students a personalized improvement plan to boost their scores. Then the Hive team works to solidify those scores to ensure they steadily increase. Participants in Professor Honeys Credit and Funding Hive gain access to the Personal Credit and Business Credit Programs and VIP membership to the Hive Affiliate Program. With this program, students have the opportunity to earn around $6K per month of passive income.

Professor Honeys Credit and Funding Hive is primarily a way for people to rid themselves of debt and take back control of their financial standings. On the other hand, the Hive is a learning sphere where students can learn how to establish good business credit, keep their business credit from affecting their personal credit, and simultaneously access business tradelines and funding options.

Were closing the gap between the poor and medium classes, said Reaves. We educate people on how they can leverage their personal credit for home investment opportunities and their business credit to access funding. Its all about building yourself up financially in both sectors.

Reaves said that no matter what your credit situation is, there is always something the Hive team of experts can do to improve it.

She and her Hive team have experience in but are not limited to, foreclosures, bankruptcies, public records, and collections.

Professor Honeys Credit and Funding Hive is not a quick fix.

If you think about it, bad credit didnt happen to you last night while you were asleep, said Reaves. I hate to say it, but you did this to yourself, whether by ignorance or willful mistakes. Restoring your credit to health will take just as long if not longer than it took to get you to its current state.

Students should expect to see higher scores around 30 days from their journeys start date. For the best results, the process can take up to nine months.

I am a resource for funding and lending, and I want people to come to me when theyre seeking financial freedom, said Reaves. I understand that bad credit leads people to hopelessness and depression when trying to better their own lives by starting a business. The experience should be empowering, not limiting.

Professor Honey has helped thousands of people restore their credit over the past two years. Her students have gone on to establish business credit, build their businesses, and earn passive income while on the road to complete financial independence.

Professor Honey is the Founder of The Credit and Funding Hive, helping thousands of people restore their credit, get the funding they need to build their businesses, and establish opportunities for passive income. She has been featured on Today.com, Marketwatch, and Sheen. Click here to learn about her program: http://www.professorhoneyinfo.com/the-hive

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How Nerissa Reaves Puts Financial Health in Your Hands: Learn to Boost Your Credit with Professor Honey - Daily Scanner