Savor the Flavor & Get Twice the Luv: Editor Notes and Various Blogs

By Jamala M. Johnson

Pink Passion: A ruling passion motivates, pushes, stretches, encourages, inspires and in some instances a ruling passion might even challenge you to reach your full potential. Make no mistake about it, a ruling passion is much different from a goal. In general, a goal is a set deadline or time frame estabish by the goal setter to complete and accomplish a particular task. Normally, goal setters classify goals into categories, short term and long term. For a tantamount of consumers and shoppers, once a goal is set it stays at the center of attention until the goal is accomplished. Totally different from a goal___putatively, a passion, so to speak, is something that you love to do more than anything else that you do daily. Straight forwardly speaking, when you have a passion it consumes your every thought, it pretty much paints the picture of how you view, see, and live life. A strong feeling, longing, or desire;each of us as consumers and shoppers have different passions__ostensibly, even with the various passions available as choices, some consumers and shoppers have not found their ruling passion, understandably, it could take years before a consumer or shopper stumbles upon their ruling passion. At any rate that you find your passion, a passion or a ruling passion could be just about anything that you love and enjoy to do at home, away from the job, on vacation and during holidays. From shopping to blogging to cooking to singing to acting to dancing, it's what you love to do the most, it's what motivates, pushes, stretches, encourages, inspires, and challenges you, it's your ruling passion. In previous years, I have had a passion to try and do many things. While in college, I rediscovered my passion for the English language and writing. Within the past seven years, I developed a passion for shopping and blogging. 2009, I developed a passion for pink. Along with my passion for pink, I believe my ruling passion is to be an award winning editor and writer. Veritably, all passions begin with you_if you have found your ruling passion stick with it, share it, and create a niche for your passion. And for the percentage of you (consumers and shoppers) who you havent found your ruling passion, start_right now and start doing what you love and enjoy, it's not too late.

• Language: English
• Publisher: Xlibris US
• Release date: Jan 23, 2015
• ISBN: 9781499059748

Jamala M. Johnson

A graduate of Florida Agricultural and Mechanical University, Jamala Malaika Johnson is Founder & President of csaccac Inc. An organization developed in 2010,csaccac Inc seeks to assist, educate ,inform as well as provide various services to disenfranchise and disable consumers between the ages of seventeen to forty-five in the area of jobs,housing, debt management, credit, and health options. Most importantly, its founder strongly believes in the organizations mission statement: "dedicated,committed,brazened,engendered,imbued and aplomb" to assisting each shopper. Before founding csaccac Inc, Jamala Malaika Johnson worked in retail, customer service and taught two years in the Florida public school system. Through out the years, Jamala Malaika Johnson has been an educator, motivator, and entrepreneur. Ms.Johnson, also serves as Chief Editor and writer of the csaccac Newsletter. Created just for shoppers & consumers of all ages at different stages of shopping, the newsletter offers helpful tips to better shopping.

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Copyright © 2015 by Jamala M. Johnson.

All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without permission in writing from the copyright owner.

Any people depicted in stock imagery provided by Thinkstock are models, and such images are being used for illustrative purposes only.

Certain stock imagery © Thinkstock.

Scripture quotations marked NKJV are taken from the New King James Version. Copyright © 1982 by Thomas Nelson, Inc. Used by permission. All rights reserved.

Rev. date: 01/23/2015

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TABLE OF CONTENTS

Foreword

Dedication

Quotes

Acknowledgements

An Intimate Portrait Of The Author

Letter to the Editor

For the Record

MYLF

Reliable Mechanic

Exceeding Limits

Still, Exceeding Limits

Behind the Scenes

On the Frontlines

Commitment to Excellence

Community &Service

Women’s Education – Women’s Empowerment

Our History is Our Strength

My Life As A Consumer Affairs Consultant Sales & Service Manager

Editor Notes

2014-2013

2012

2011

2010

Introduction To Blogs

Various Blogs

Brownie Lovers, Get It In Chunks

How I Keep It Fresh

Tackling life from the sidelines

Code of Conduct

Stuff that makes a winner, you might be surprise how many people really are winners including you.

Embitter, embattled, emblazoned, embroider, and embodied within these genetic cells remains remnants of the creator:

Unabridged:Conquering the Giants and Demons in my life while preparing for the big(4-0)

(Abridged)A Placed Called Eden, Heaven&Earth,’ lift every voice and sing until heaven and earth rings’…

Showing up 4 life is 1/2 the battle

God don’t like ugly email secrets & too many passwords: Confession of An Email Addict

Embracing life @ forty-something, what I know, what I want to know & what I learned.

Thoughts On Approaching Forty: Life’s loves, lessons, disappointments, accomplishments and the forty year old question.

Next Face of Fox 43!

Snow Days: Developing Thick-skin and One Of Their Own.

Last Nite of Thirty-Something

Forever Forty-One!@!

Hell Week Before my Not So Fabulous Forty First Birthday

Oh, He_ yes !! Let’s Go There…

Tomorrow Ill take confession & write a blog

copy, cut, edit, paste, dot every i cross every t, & write something stupid.

About the Author

FOREWORD

I didn’t write this book per say, it is in all actuality a culmination of writings I began shortly after relocating to Virginia in December of 2005. Disconcerted, and disoriented, after relocating to Virginia to stay for an extended period of time, I didn’t immediately reach out to the community or a particular local charity organization. Truthfully, it would be months before I would reach out to the community and local charity organizations. Upset,___beyond words, with a cloud of confusion hanging over my head, it took weeks actually months before I began to actively read and write in full speed. To get back into full speed of reading, I began reading familiar classics and young adult books that I checked out from the local public library. In the evenings, to get back to writing in full speed, I began to re-read and review several of the grammar books I had purchased while in college. As the cloud of confusion began to dissipate, I slowly began to take steps to re gain direction and a sense of purpose. Once I began the process to re gain direction and a sense of purpose, I knew ___I had to do something to keep from going into a deep depression, from being the proverbial perpetual victim, and to break the vicious cycle of learnt self helplessness. Exactly__what that something I knew, I had to do___right, at that particular instance, I didn’t have a definitive idea. With a clear understanding that I knew, I had to do something to re gain directon and a sense of purpose, I began to take an honest look at the life I had lead, as well as, the events and actions that not only lead me to the state of Virginia but also lead me to a place of desolation, despondency, and isolation. Veritably, up until the moment I permanently relocated to the state of Virginia in December of 2005, I had been living a tumultuous and turbulent life. And in all honesty, this had not been the first time I relocated to Virginia to re gain direction and focus. Under different circumstances, from 1991 to 1992, after completing my freshmen year at Florida Agricultural and Mechanical University (FAMU), I relocated to Virginia to get academically focus and to save money for living expenses with the intent of going back to FAMU as a full time student. All of the circumstances, events, situations and actions that lead me back to Virginia, I re lived those moments in the days, nights, weeks and months during the hours I had set aside to re evaluate the life I had lead. Eventually, I realized, I most definitely had a past, present, and a future. As sobering as that might sound, I didn’t fully grasp the concept or understand that I could move forward without having to deny the life I had lead. Also, at same time, I didn’t fully grasp the concept or understand that I could move forward without having to make excuses for the person I had been in my teens, twenties and thirties. Most importantly, I realized, I had to do something, right then___in the present to avoid the same mistakes in the future. Slowly, I began to re gain direction and a sense of purpose while building my first website www.cacjohnson.com. An old resume help me to piece together my life and trace my footsteps, as I reviewed the resume, I began to develop a definitive idea as to the something I knew, I had to do, to prepare for the future. Unexpectedly, in 2008, while working to re gain direction, I had been hit with the devasting news that America had fallen into a recession. Like millions of American citizens, I had been deeply impacted by the economic recesssion of 2008. Dolefully, when the news broke that America had fallen into a recession greatly compared to the Great Depression, I felt at a lost, and that everything I had done to re gain direction and a sense of purpose had been futile. Among, naysayers, dis believers, and all of the excitement about the 2008 economic recession, the feelings and attitudes, I initially held at the first announcement of the recession began to slowly decrease as I continued to work gain direction and a sense of purpose. Sadly, as I prepared this book, millions of American citizens continue to feel the effects of the economic recession of 2008. Faced with unprecedented adversity, high unemployment, and record high home foreclosure, life in the United States had taken a dramatic turn, one I had been all to familiar with in my teens, twenties, and thirties. For a myriad of American citizens, the recession of 2008 had been a wake-up call. Apropos, the next four years of American History would be directed towards economic recovery. Straight forwardly speaking, I began my personal struggle with credit, debt management, housing, transportation and unemployment way before the 2008 recession. From holiday traditions to social ailments, in the next few pages, I share with you, the reader intimate and personal thoughts. Within this book, Savor the Flavor &Get Twice the Luv, I share with you, the reader some of my most intimate thoughts inside an editor note and various blogs. Specifically, to accompany the csaccac Newsletter, in 2010, I began writing editor notes monthly. For the most part, each month as Editor-in-Chief of the csaccac Newsletter, Founder and President of csaccac Inc., I pause, I stop all activity to take a few minutes to write an Editor Notes with the hopes I have captured the emotions and sentiments of the month. Unequivocally, without a question, while writing the editor notes, I gained direction and a sense of purpose. Accordingly, in addition to the Editor Notes, I have also included various blogs. As a matterof fact, I began blogging first__ then some months later I began writing Editor Notes. An inexperienced blogger, I didn’t developed my own style of blogging until after viewing several different blog pages. On the whole, at first, I began to blog to track the start of my new career as a Consumer Affairs Consultant, Sales &Service Mgr. Even though, I had developed my own style of blogging, I didn’t have a particular format for my blog page. In fact, it took some weeks before I got the gist of blogging, eventually, I evolved and so did the blogs I posted on my blog page. Savor the Flavor & Get Twice the Luv, as I take you on my personal journey to re gain direction and a sense of purpose, re live those turbulent, tumultous, joyous, somber and pensive moments with me in the next few pages inside an Editor’s Note and Various Blogs.

much Luv, Twice the Luv–cacjohnson

DEDICATION

First, to the utmost, I dedicate this book to all of my loyal faithful supporters who remained prayerful, shared words of encouragement, and stayed on the frontlines during the weeks and months as I sorted through forty-one years of personal memories, lessons, and experiences. In the same breath, I dedicate this book to all of my friends, followers, and fans I have accumulated within the past seven years on Facebook, MySpace, Twitter, LinkedIn, MocoSpace, meet me____you’ve been my sounding board on the good and bad days. Earnestly, from the heart, I dedicate this book to each reader with a willingness to listen, to learn, to love, to forgive, to move forward, to heal, to grow, and to live.

much Luv, Twice the Luv–cacjohnson

QUOTES

To everything there is a season, and time to everything under the heaven

Ecclesiastes 3:1

And we know that all things work together for the good to them that loved God, to them who are called according to [his] purpose

Romans 8:28

The purpose of life is a life of purpose

Robert Byrne

Life is a succession of lessons which must be lived to be understood

Helen Keller

ACKNOWLEDGEMENTS

Despite numerous losses, failures, obstacles, setbacks, and roadblocks to success, I have been bless with family and friends who remained supportive as I grew from an adolescence to an adult, who kept the faith that I would move beyond my past and circumstances as I worked to re gain direction and a sense of purpose___to each of you I want to say, Thank you.

I, Thank you for being a listening ear, a hand to hold, a prayer warrior, a counselor, a part time cook, a hair dresser, a fashion consultant, and a believer that I could excel in all types of environments. To all of my besties, cousins, aunts, unclesgrandparents, surrogate moms and dads, Thank you for being acceptant of who I had been at the moment I entered your lives, Thank you for being acceptant of where I had been even though you had only known me for a short period of time, and Thank you for accepting and loving the person you knew I could grow to be___Thank you. A special thank you to my hometown church, Thank you for sending up prayers to heaven_, while I stumbled with my walk with Jesus, Thank you for your unerring faith and prayers that I would make through in times of difficulty___Thank you, the Lord must of heard your prayers. Along with many prayers, I also want to thank each and every cashier, waiter, waitress, customer representative, sale associate, assistant manager, and manager who I’ve met along the path to gain direction and a sense of purpose____Thank you, for being polite, courteous, friendly and helpful. And lastly, but not least, Thank you to everyone who shared an encouraging word, a scripture verse, and a friendly smile___your words and kind gestures have meant so much, Thank you. There’s so much I could say for all of the support and encouragement that so many of you have shared with me throughout the years, as a final Thank you, at this point, to be brief, as I reach the end of this list of acknowledgements, I would like to give a very special Thank you to family and friends, words cannot express and I can’t say it enough___Thank you, with all sincerity, love and respect that each of you have shown towards me throughout the years, Thank you. For every lesson, for every celebration, for every joyous moment, for every loss, for every accomplishment that I had the privelege to share with each of you, I am Thankful, Thank you.

much Luv, Twice the Luv–cacjohnson

AN INTIMATE PORTRAIT OF THE AUTHOR

Letter to the Editor: On a different day.

Dear Editors,

What does it really mean to be an Editor?, Who or What inspired you to become an Editor?, How do you find the time?, Do you ever get writer’s block?, How many drafts do you have to write before the Editor note? Do you feel that a mag or Newsletter would be incomplete without an Editor note? In this age of Social media, Social Networking, Connecting, Meetings, and attending Social events How do you stay focus, and not become overwhelmed as the Editor?"

Athough,there’s no time like the present, I remain hestitant to begin this chat. As the old cliche states Why put off what you can do today for tomorrow? certainly, I could make-up a 101 excuses of other task I could perform than having this chat meant specifically to critique, think about, and reflect upon Editor notes. Veritably, on a different day, Id probably strike through this conversation to save it for later or make it a journal entry. Instead, Im choosing to take these few moments on a Friday night away from Netflix, the Youtube videos, Vevo, Facebook, Twitter and LinkedIn to chat about Editor notes, and letters to the Editors. While the content of the subject, topic, and discussion is still fresh on my brain, on this day, I chose to pause from all task for a moment to put thoughts into words. An informal chat to the Editors, and of course, Im sure each of know who Im referring to the girls and guys whose job it is to sum up all the latest happenings, stuff in their personal lives and share with readers what’s inside every issue of a mag or newsletter who in each instance simultaneously apply their own personal touch to each Editor note. To be truthful, as an inspiring Editor, one of the biggest task I have ahead me is conquering the fear of being socially incorrect, and brevity. Truthfully, brevity is not one of my best skills, I often like to explain things to avoid misunderstanding. Being clear, unambiguous, and forthright doesnt always work well with others because most people seem to be on a schedule or have limited time, I feel if it’s something that’s happening now, if is a social or political issue that stirs up strong language and emotion when mentioned in the general population time shouldnt be a main focus. Furthermore, a schedule or time limit shouldnt stop people from getting the whole truth or story. And in some instance, a situation or story could be worth a letter to the Editor. Sadly, for those of us whose best skill isnt brevity, the truth of the matter is most letters to the Editor have to fit a certain mold and space. At forty something I’ve written very few to none, letters to the Editor___ eventhough, I frequently stumble upon topics and articles that elicit strong language and emotions if I chose to respond or write a letter to the Editor. To the Editors, Im not standing in your kitchen every night, Im not putting food in your refrigerator everyday, Im not living out of your refrigerator, Im not sitting at your dinner table every night, Im not counting your calories or sugar intake, Im not checking your grocery cart or following you to Sams Club, Im not stalking your every step, Im not calling your friends, real estate agent, or checking references, Im not even camped outside your doorstep, and Im not scoping out your trash, aside from the crazy groupie stuff, I like to pause from the daily routine of life to read something funny, thought provoking, motivativing and inspiring frequently I find those attributes inside an Editor note. To be honest, I do at times wait to hear to about juicy entertainment gossip, the latest family recipe, what’s the next hot trend or read about your next big social engagement or purchase, often, I look forward to reading your perspective and outlook on life. As an inspiring Editor, I hope this chat motivates readers to read an Editor note. Most importanly I want readers to think twice about those Editor notes found at the front of mag or inside a newsletter. People, dont brush off those Editor notes, but savor them as if they’re pieces chocolate or a glass of wine. At young age, during the years I lived with my grandmother, I frequently picked up a mag at a relatives homes, or in a grocery store. Surrounded with books and magazine, back then, I really did not meditate on a Editor notes, often, I perused through the pages of magazines reading article after article while not thinking twice about the Editor note. In speaking of Editor notes, the first Editor that truly inspired me first appeared in a Essence magazine, Susan L Taylor. With a series of uplifting messages published each month in Essence magazine titled In the Spirt", her story inspired millions of readers. From 1981 to 2000, Susan L Taylor lead a successful career as Editor-in-chief of Essence magazine. Today, Susan L Taylor remains among a few editors that inspired me from a young age. Almost forty years ago, I set my sights on being a teacher, executive secretary and flight attendant. At the age of twenty eight, I taught my first 8th grade Language Arts class. Admittedly, standing inside the classroom at that time thoughts of being a Editor didnt exist, I had been completely immersed in being a first year teacher. In all honest, straight forwardly speaking, I didnt choose to become an Editor, it’s a position that I’ve always admired, and I gradually grew into. Among the many requirements and skills it takes to be an Editor, I welcome being an Editor whole heartedly. Letter to the Editors, on a different day your words might of fell upon deaf ears, a personal truth, I am little older, I dont turn the pages as fast, and the Editor note is first message I look for in a mag or newsletter. Thank you, for taking the time to, clear out clutter and make sense of it all before the collage of words and images mesh together.

For the Record.

In life, I have very few regrets. And to be truthful, I have a strong penchant for the word regret. Instead, I prefer outcomes, situations or lessons and experiences that I am not pleased with the end result. Honestly, I believe regret is such a strong word__, it gives the bearer of the word a bad reptutation for having a negative attitude. Also, it implies a pessimist view or outlook on life. At forty something, I fall short on regrets in choices of friends, bestfriends, boy friends, roommates, classmates, co workers, degree of study, and work places. To regret, I feel is to say that you wish you had never lived your God given blue print. Each of us has a unique path like DNA mapping no two souls will travel the same the path__those x and y chromosomes they’re uniquely yours and they’re meant to be lived exactly as the inscription reads. As a teen, I often rephrased an old cliche that states "it’s better to have loved and lost love ___than never to have loved at all" Regret is a such a small word that if you allow it could consume its counterpart life. However, if asked in life do I have any regrets, aside from Facebook, alright, that’s a joke. All joking aside, I probably would not say boyfriends, relationships, or family soap opera, or bestfriend drama, no___, my biggest regret is the many money mistakes Ive made along the way to "Girl Get Your Money Straight".

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I go through this all of the time,__I stop,__I start,__I grow,__I learn,__ I get angry,___I meditate,__I pray,___I stumble,___I fall apart,__I get still,__I listen,___I shut my eyes,__I build up,__and I tear down, I am my bestfriend, Iam my worst enemy, I am my counselor, I am my confidant and I am my life’s source of inspiration.

Daily, I seek meaning from life and I seek to give meaning to life. During the forty plus years I lived on this earth, I’ve lived, I’ve died, I’ve been reborn, in the same instances, I ve been the student and the teacher. Each life, each death, each rebirth has elevated my perception of the world, I view the world as round not flat, at the same time, I view the world as a dynamic place with unlimited, infinite, and endless range of variations. Life after death, a short sms, it existence, although, my perception has been elevated, my life’s credit rating and FICO score didnt get the email, text message or the Tweet fresh start Relationships, Love, Courage, Guidance, Truth, and Perception, of all the numerous lessons and experiences Ive absorbed, Ive grown the most in barren places and wastelands. At forty something, I refuse to accept the belief that I am at life’s end with my finances. At the start of each new beginning, it is as if I died a thousands deaths. The moment I exceeded my limits, I grew a foot taller, a bit wiser and hell bent on standing side by side with the queens and the divas, or at least standing_or_sitting in the place where I felt I belong. Speaking candidly, a difficult subject to discuss because I havent moved the mountain of debt and I find it even more difficult to talk about finances and debt because Im living it everyday, as a matter of fact, I’ve been living it for the past eighteen years__I budget,__I spend,___I list expenses,__I make a new budget, then I spend some more,__I check my shopping list twice,__I buy on sale,_I clip coupons, while Im doing all of these different task, I realize my life could be a training seminar, webinar or a Tedx conference, if only my finances lined up with my positive attitude, and vibrant personality. A personal truth, Im not proud to admit, I live a financially dysfunctional life. For years, I often would aver__ if I waited for the lottery or a windfall, I would never get anything done. In my twenties, I had a proclivity to subscribe to a group of money advisors, counselors, and debt back sliders who experience some of the same financial problems. Young and naive, I listened__ so, I thought. Heedlessly, weeks after the advice I would find myself back at square one. As I write this blog, I am reminded of all those who have successfully found debt relief and of all those who remain in the fight to be debt free including moi. Everyone has to start somewhere, I got into money game late in life. Remorsefully, it wasnt until later in my life that I began to seriously inquire about my Credit rating and FICO score. Fighting to be debt free has been an ongoing battle, I’ve been in the fight for sometime, and I havent quite mastered my money. At the age of the thirty-five, I began to put the pressure on to get my finances straightened out. Getting out debt has become a necessity, to the point that I put a large part of my focus on finding ways to get out debt and stay out of debt. Looking back at my high school years, I recall as a high school student, I had very little access to credit, actually, I had no credit. Towards the end my senior, I began to inquire about credit, but it was a topic that I didnt push or bring up frequently. Truthfully, I placed more emphasis on applying to college than getting a credit card. Credit ratings and FICO scores at that period of time hadnt phased me, it wasn’t until I went to purchase my first car after my college graduation that I got scared about my credit report and score. And to be honest, today__I could take those feelings I felt when I went to purchase my first car and multiply it by 3 that’s how upset and devasted I am with my current finances. Before I resigned from my teaching in 2000, I was well on my way to being a homeowner. I briefly discuss this and my finances in my first book What’s With All That Stuff, cacjohnson!#@! (A Shopper’s Guide to Better Shopping) In that short period of time of I had been extended credit, a smallI go through this all of the time,__I stop,__I start,__I grow,__I learn,__ I get angry,___I meditate,__I pray,___I stumble,___I fall apart,__I get still,__I listen,___I shut my eyes,__I build up,__and I tear down, I am my bestfriend, Iam my worst enemy, I am my counselor, I am my confidant and I am my life’s source of inspiration. Daily, I seek meaning from life and I seek to give meaning to life. During the forty plus years I lived on this earth, I’ve lived, I’ve died, I’ve been reborn, in the same instances, I ve been the student and the teacher. Each life, each death, each rebirth has elevated my perception of the world, I view the world as round not flat, at the same time, I view the world as a dynamic place with unlimited, infinite, and endless range of variations. Life after death, a short sms, it existence, although, my perception has been elevated, my life’s credit rating and FICO score didnt get the email, text message or the Tweet fresh start" Relationships, Love, Courage, Guidance, Truth, and Perception, of all the numerous lessons and experiences Ive absorbed, Ive grown the most in barren places and wastelands. At forty something, I refuse to accept the belief that I am at life’s end with my finances. At the start of each new beginning, it is as if I died a thousands deaths. The moment I exceeded my limits, I grew a foot taller, a bit wiser and hell bent on standing side by side with the queens and the divas, or at least standing_or_sitting in the place where I felt I belong. Speaking candidly, a difficult subject to discuss because I havent moved the mountain of debt and I find it even more difficult to talk about finances and debt because Im living it everyday, as a matter of fact, I’ve been living it for the past eighteen years. __I budget,__I spend,___I list expenses,__I make a new budget, then I spend some more,__I check my shopping list twice,__I buy on sale,_I clip coupons, while Im doing all of these different task, I realize my life could be a training seminar, webinar or a Tedx conference, if only my finances lined up with my positive attitude, and vibrant personality. A personal truth, Im not proud to admit, I live a financially dysfunctional life. For years, I often would aver__ if I waited for the lottery or a windfall, I would never get anything done. In my twenties, I had a proclivity to subscribe to a group of money advisors, counselors, and debt back sliders who experience some of the same financial problems. Young and naive, I listened so I thought. Heedlessly, weeks after the advice I would find myself back at square one. As I write this blog, I am reminded of all those who have successfully found debt relief and of all those who remain in the fight to be debt free including moi. Everyone has to start somewhere, I got into money game late in life. Remorsefully, it wasnt until later in my life that I began to seriously inquire about my Credit rating and FICO score. Fighting to be debt free has been an ongoing battle, I’ve been in the fight for sometime, and I havent quite mastered my money. At the age of the thirty-five, I began to put the pressure on to get my finances straightened out. Getting out debt has become a necessity, to the point that I put a large part of my focus on finding ways to get out debt and stay out of debt. Looking back at my high school years, I recall as a high school student, I had very little access to credit, actually, I had no credit. Towards the end my senior, I began to inquire about credit, but it was a topic that I didnt push or bring up frequently Truthfully, I placed more emphasis on applying to college than getting a credit card. Credit ratings and FICO scores at that period of time hadnt phased me, it wasn’t until I went to purchase my first car after my college graduation that I got scared about my credit report and score. And to be honest, today__I could take those feelings I felt when I went to purchase my first car and multiply it by 3 that’s how upset and devasted I am with my current finances. Before I resigned from my teaching in 2000, I was well on my way to being a homeowner. I briefly discuss this and my finances in my first book "What’s With All That Stuff, cacjohnson!#@! (A Shopper’s Guide to Better Shopping) ;in that short period of time, I had been extended credit, a small amount. Almost twelve years later, after making that choice, I am on the brink of bankruptcy at forty-something without ever being a first time home buyer. When I received my first teaching job, my credit rating and FICO score didnt register on my list of things to do, I believe that in the back of my mind__I felt that my credit rating and FICO score would automatically take care of themselves,___well, that’s far from being accurate. Getting back on my feet hasnt been a cake walk, certainly, the 2008 economic recession didnt help my efforts, as a matter fact, it stymied many of my efforts to re gain control over my life and finances. Having my life, death and rebirth rated and sized up based on my credit rating or FICO score is a scary thought, I like to compare this feeling to being buried in a cardboard box. I’ve heard of church people who been in the church all their life pay their church ties and gave offerings and for reasons uknown the church wouldnt bury them, I mean give them a proper home going.

Born in Tallahasse, Florida, in 1971, the President of csaccac Inc. was the only child for fifteen years. While still in her formative years between the ages of three and seven, the President of csaccac Inc. lived in Tallahassee with her mother and father who later relocated to the City of Deerfield Beach, Florida;a move that eventually placed her close to her grandmother on her father’s side of the family. Therefore, it’s not surprising to learn that many of the work ethics and practices that was instilled, and inculcated in the President of csaccac Inc. was earnestly taugth to her by both her grandmother and father. Incisively, at young age the President of csaccac observed the work habits and practices of the adults present in her life, thus, allowing her to later in life work on projects with little or no supervision. Condignly, energetic, keen, incisive, and with a willingness to learn the President csaccac Inc. grandmother allowed her to join the Girl Scouts. As a member of the Girl Scouts, many of the work ethics and practices that was instilled in her at young age was also reinforced during her membership in the Girl Scouts. Certainly, it was the time that the President of csaccac Inc. spent in her youth with her grandmother and father that help develop her work ethics and practices.

For instance, as a young adolescent the President csaccac assisted her grandmother,