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Monday, July 30, 2018

Guest Post: Financial Advice For Gen Z: Avoid Mortgages, College Debt, Start Saving Now

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


Financial Advice For Gen Z: Avoid Mortgages, College Debt, Start Saving Now
The oldest members of Generation Z have recently left college and entered the workforce. For some, learning how to handle their new money and expenses will be an education unto itself.

They can start by learning from the money-managing mistakes of previous generations, says financial management coach Tom Graneau, author of Pennies to Power (www.tomgraneau.com). He points out that most millennials, for example, aren’t doing a great job of saving money. About two-thirds of them, according to the National Institute on Retirement Security, have nothing saved toward retirement.

As a Baby Boomer who once went bust, Graneau says his past financial challenges are a reason he wants to help educate young people now on the pitfalls of over-extending financially. The worst financial mistake Graneau believes a young adult can make – and one he made – is buying a home.  

“The last thing you want to do is get into home ownership; I see home ownership as the No. 1 factor leading to financial negatives in our country,” says Graneau. “You have a country where the banking system, real estate system and government tells us to buy homes, yet most can’t really afford the mortgage long-term.

“Most of your mortgage payment goes only to interest the first few years. What they will pay in interest over the long run is mind-boggling, and it often dwarfs any equity they have in the home.”

Many millennials, however, buried in student loan debt – another thing Graneau says younger folks and families should avoid “at all costs” – are finding they can’t afford to be home owners. Forty-five percent of millennials’ income is spent on rent before they reach the age of 30, according to a study by Rent Cafe.

“That’s fine; they should rent as long as possible,” says Graneau. “You will never spend as much in rent as you will buying a house.” 

In the early 2000s, Graneau found himself in significant debt at the same time he was living stylishly and counseling families on how to overcome their financial issues.  
“The outside world thought I was doing fine, but I was as broke as those individuals I worked with,” Graneau says. “I was about 40 and I had to look at my situation deeply. My salary was stagnating, I was in a multi-million-dollar home and I realized I couldn’t pay that mortgage the rest of my life.


“I lost my job and lost my house. I started recovering by shedding as much debt as possible and saving as much money as possible.”

It was then he started investigating what’s wrong with America’s financial picture. Why are older folks so mired in the debt problem and depending mostly on Social Security? Why does each generation overextend on credit and so many live paycheck to paycheck. The problem, Graneau says, is largely traceable to a lack of financial education and discipline.
“Our society has done a poor job at teaching people how to save as well as construct a real budget and stick to it,” Graneau says. “It doesn’t emphasize limiting debt and saving money, and you see people with all this trouble.”

To Graneau, money problems most often can be traced to an inability or unwillingness to save. A lack of discipline is to blame more than a lack of funds, he says. He recommends putting away 15 to 20 percent per paycheck, or whatever a person can afford, then increasing when they can.

“It’s a hard lesson to portray to younger people,” Graneau says, “but we should never spend all of our paycheck. Always put some of it away.”

About Tom Graneau
Tom Graneau (www.tomgraneau.com) is the author of Pennies To Power. A 14-year U.S. Navy veteran, Graneau is a long-time financial management specialist and coach as well as a crisis manager. He came to the US at age 17 from Dominica, a small island in the Caribbean. Although the normal educational structure was inaccessible to him in Dominica due to family complications, he went on to earn bachelor’s and master’s degrees in business at the University of Phoenix.
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Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


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 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


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The Biggest Win: Pro Football Players Tackle Faith by Joshua Cooley ISBN: 978-1-948130-02-8


We live in a world where being a Christian is becoming harder and harder.  We read about celebrities all the time who live a life of total sin.

The Biggest Win: Pro Football Players Tackle Faith by Joshua Cooley gives a very different story of a group of professional football players who have dedicated their lives to Jesus Christ.

This is a truly inspiring story of a group of highly paid men, who are sitting on top of the celebrity world, who could have everything this sinful world has to offer.

Instead, these men have dedicated their lives to Jesus Christ, the Son of the Living God, their wives, and their families.

The Biggest Win tells the back story.  The pain, the hurt, the heartache, the many losses, the disappointment of not making it in the draft.  It also tells of ministry to children who have been a part of trafficking. They have also dedicated a part of their lives to making a difference in the lives of terminally ill children.


The Biggest Win is very well-written and tells an awesome story.  You will laugh and cry. This would make a great text for a small group, youth Bible study. We give it all five stars.



We were sent a complimentary Advance Reading copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Thursday, July 26, 2018

Press Release: Department of Education to Student Borrowers: We Will Not Have Your Back

The following is a press release.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.




WASHINGTON – Vanita Gupta, president and CEO of The Leadership Conference on Civil and Human Rights, issued the following statement on the Department of Education’s proposed new borrower defense rules:
“With these borrower defense draft rules, the Department of Education is once again proposing to fail our nation’s students and fail to enforce our nation’s laws. The department’s message to student borrowers is clear: we no longer have your back. As of May 1, 2018, there are 99,335 ‘borrower defense’ claims by students and nearly $13 billion in relief to students still pending. The draft rules would further exacerbate inequalities, making the already unfair and ineffective student loan servicing system even more harmful to all students – particularly to borrowers of color. This proposal would strip away borrower rights and would not protect students from predatory practices in both higher education and student loan servicing. Secretary DeVos and the Department of Education have the responsibility to protect all students from exploitation while they pursue their college dreams. Giving predatory for-profit colleges and student loan servicers a license to cheat and defraud generations of students is an abdication of that responsibility. The department can and should go back to the drawing board and deter schools and servicers from taking advantage of students and provide borrowers real access to relief.”
The Leadership Conference on Civil and Human Rights is a coalition charged by its diverse membership of more than 200 national organizations to promote and protect the rights of all persons in the United States. The Leadership Conference works toward an America as good as its ideals. For more information on The Leadership Conference and its member organizations, visit www.civilrights.org.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog



I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Atheism Kills: The Dangers of a World Without God – and Cause for Hope by Barak Lurie ISBN: 978-0-9995139-1-0

I really wish Atheism Kills: The Dangers of a World Without God – and Cause for Hope by Barak Lurie had been written back when I was in college.

If I had read this book back when I was in college, I would have had the information needed to stand my ground against college professors who took every opportunity to speak about what they called, “The Christian Myth”.

This book is incredibly well-researched and very well-written. The author is a former atheist who found enough credible evidence in his life to prove to his sceptical mind that God is real.

In the book, he talks about all the evil that has been committed in the world due to the lack of faith in God, or in any religion for that matter. He gives his readers information about the rise and fall of different civilizations and what caused the fall.

However, this book is very much like Fox News.  It attempts to be fair and balanced. The facts are presented from both perspectives and both sides.  The author does lean away from atheism, which is to be expected. He presents the facts that an atheist would use to present his case for atheism.  +

Five Star Review

We give Atheism Kills all five stars.  We think that all Judeo Christian churches should have a small group scripture study utilizing this book.





We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Tuesday, July 24, 2018

Press Release: America’s Run for the Fallen Has Nearly Completed its Coast-to-Coast Run to Arlington Runners Crossing North Carolina and Virginia on Way to Arlington

The following is a press release.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


America’s Run for the Fallen Has Nearly Completed its Coast-to-Coast Run to Arlington
Runners Crossing North Carolina and Virginia on Way to Arlington

July 23, 2018

On July 23, runners honoring fallen American service members crossed the South Carolina-North Carolina border, marking the beginning of the last two states on their cross-country run to Arlington National Cemetery.  America’s Run for the Fallen is organized by Honor and Remember, a veteran and Gold Star Family organization that seeks to individually recognize nearly 20,000 Fallen Service Members since the USS Cole (October 2000). Each mile along the 6,000-mile route from Fort Irwin, California to Arlington National Cemetery, runners pause for a short ceremony to remember by calling each name out loud of the soldiers, sailors, airmen, coast guard and marines killed on a different day since the War on Terror began.

This year, “America’s Run for the Fallen” marks the ten-year-anniversary of the first Run for the Fallen. Never has there been a Fallen Military Tribute on this scale or magnitude. The event has grown both in the number of participants and, sadly, the number of service members honored.  By the time the race finishes in August, Gold Star families, veterans, and other supporters from the community will have run 6,000 miles through 19 states on their journey from Fort Irwin, California to Arlington National Cemetery.

The 2018 “America’s Run for the Fallen” began on April 7th in Fort Irwin and has since covered over 4,800 miles. Runners will take nine days to cross North Carolina, entering the state on July 23 near the coast. They will be in North Carolina from July 23 through July 31, passing through Wilmington, Fayetteville, and Jacksonville with a day of rest near Washington, NC.  You can view their full schedule here.

On August 1, runners will cross the North Carolina-Virginia border near Norfolk, VA, entering the final stretch of their 6,000-mile run. They will spend five days crossing Virginia on their way north through Norfolk and Newport News before arriving in Arlington on August 5. You can view the full route through Virginia here or the last day of their run here.

*** Arlington Closing Ceremony Day ***

The public is invited to attend the August 5th, Arlington, VA America's Run for the Fallen
Final Day

  • 6.1k HERO RUN at Fort Myer in the morning
  • 11AM - Brunch Special in Honor of America's Run for the Fallen, on own at: The Board Room in Arlington
  • 1:15 PM Old Post Chapel greet the Core Group, walk the final mile together to Section 60.
  • 2 PM Closing Ceremonies – Arlington National Cemetery, Section 60.
  • 4 PM After-Event Social Gathering at The Board Room in Arlington

For more details and to register for the commemorative 6.1K HERO Run, visit here.

You can read about the history of “America’s Run for the Fallen” here or watch the PSA here.
You can watch the run 7AM – 5PM (time zone of current state) LIVE.

Loved one’s can find the location of their Heroes by visiting Find A Hero, or can add a Hero if their name does not appear at Add Your Hero.

You can get a birds-eye view of “America’s Run for the Fallen,” as well as the Hero Mile Marker Ceremony (occurs every mile, 50 times per day) here.

Honor and Remember is a nationally recognized non-profit organization which aims to “honor and remember every American fallen service member and recognize the enduring sacrifice of every family.”  You can find out more here.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog



I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!