Friday, January 6, 2012

Set "Us" Up For Failure

During my morning ritual, I turn to the Rickey Smiley morning show, on 92.3 FM, while I'm in the bathroom. It's the only time I listen to the radio. Rickey, Ebony, Rock T, and Gary are HILARIOUS!!! However, I was turned off when I heard Rock T doing advertisement for a "Payday Loan" company.

Now, I'm no Conspiracy Theorist or anything but I'm sure those "Payday Loan" companies are not paying for advertisement time on radio stations that minorities aren't tuning in to regularly. Having a few friends who are in marketing and public relations, I understand that companies target their audience when coming up with marketing and advertisement campaigns. What this said to me was that the "Payday Loans" company was thinking "Black folk are broke. Let's get 'em."

I have never obtained a pay day loan, but my understanding of how they work is that they are considered predatory loans. You borrow $1000 and have maybe two weeks to pay that loan in full. If you do not pay the loan in full, the interest rates are as high as 100%, making it almost impossible to repay the amount owed. Leading to collection agencies, negative effects on your credit score, and, in some cases, wage garnishment. All bad.

It makes me sad that our people misappropriate funds. I shake my head when I see young black women going through changes to obtain the latest designer hand bag. I get upset when I ride through low income areas and see an $80,000 car parked in front of a ran down home. But it PISSES ME OFF to see our people being targeted and preyed upon.

There is so much evidence that African-Americans have their financial priorities screwed up. We sometimes equate material possessions as a measure of success, so we tend to focus on the acquisition of "things" instead of obtaining financial stability and security. Everyone else sees it too, making us a target. I am really disappointed with Rock T for playing a significant role in this type of advertisement. He should know better. All money ain't good money. Be it borrowing from a "Payday Loan" company or getting paid to advertise to your people about it.

All-in-all, we need to do better. These types of companies wouldn't have money to advertise to us if we weren't utilizing their services. Until when turn things around, they will continue to "Set us up for failure".

Tuesday, January 3, 2012

Man Of The House

Disclaimer: This is an opinion based on observations. I am not, by any means, judging anyone in particular. I do not support acting like a wife prior to being a wife either. goes.

In the age of reality television, especially the "Wives" of whoever, we get a glimpse into peoples lives that we wouldn't ordinarily have a chance to see. We get to see wealthy, well off, kept, gold digger, resourceful women interact in staged situations that create drama for our entertainment. One of my favorite shows is "Love & Hip Hop". I love this show because it highlights different aspects of the "music industry" as it pertains to hip hop and R&B. We get to see
women play their roles in this industry: a manager, a mother, a long time girlfriend, girlfriends/baby mothers, a friend, an aspiring artist, and a struggling artist. Oddly, Love & Hip Hop does not boast any wives. I guess that's why it's not called "Hip Hop Wives". LOL! Anyway, I bring up Love & Hip Hop because one of the girlfriends, Chrissy, has been asked "What do you do?" or told "You're just a girlfriend" because she doesn't necessarily have a job/profession or a "hustle" as some like to say that is displayed on the show. This made me think about how society has changed. Some may say we have progressed, but to me, we've just changed.

Why is it such a big deal that Chrissy's boyfriend works to take care of his family? Is it a bad thing that he considers her a part of his family? Morally speaking, they should be
married but, if they were married, then the question would remain the same. I mean, what is the traditional husband/wife role anyway? Husband takes care of household by being a provider, wife takes care of husband by keeping the household in tact. It's in the bible, right? In the age where more and more women are getting college educated, the ratio of single mother's has increased as well, right along with men who are incarcerated. Although I am educated and have a career, I would gladly give up "Professional" for "Homemaker". I contribute to my household, financially, but my husband is still the "Man of the House", making final decisions and taking the lead when he should. I know my role as the wife. I speak my piece, but in the end, I submit. (Also in the bible)

While independence is championed, we fail to teach our daughters how to be wives. Therefor, our daughters don't know how to let a man be a man in his own house. Then, we criticize women who choose homemaking over a salary. Our school system used to teach Home Economics, now a lot of women don't even know how to boil an egg. Could it be because their mother was at work and possibly too busy to teach them how to cook? When a man finds a wife-or in Chrissy's case, girlfriend- he finds a good thing, says the bible. Don't be so quick to judge someone else's situation, especially when you do not know the true dynamics of it.

"Independent" women, if you are wondering why you are single, take a step back and evaluate yourself. It can't possibly be that EVERY man you've dated is a lying, cheating dog who just wasn't that into you. Is it possible that, as an independent woman, you aren't letting him be a man and take care of you the way he was designed to do?

Anyway, I hear that Chrissy is now engaged to be married. Congrats, girl! We're happy for you. Check out that ring!