Gelani Banks

331 Flips | 16 Magazines | 59 Likes | 4 Following | 12 Followers | @GelaniBanks2015 | Keep up with Gelani Banks on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Gelani Banks”

This morning routine will make you a millionaire

Life is busy. It can feel impossible to move toward your dreams. If you have a full-time job and kids, it’s even harder.<p>How do you move forward?<p>If …

Self-improvement

7 Amazing International Vacations That Won't Cost a Fortune

1 of 9<p>Best in Travel<p>Advertisement<p>2 of 9<p>1. Oaxaca, Mexico<p>3 of 9<p>2. Xi'an, China<p>Advertisement<p>4 of 9<p>3. Hoi An, Vietnam<p>Advertisement<p>5 of 9<p>4. Siem Reap, …

Sharm el-Sheikh

A BEGINNER’S GUIDE FOR UPGRADING YOUR CRITICAL THINKING SKILLS

The Keys to Becoming a Critical Thinker<p>Each of us tends to perceive and understand the problems, events, and circumstances of our lives somewhat …

Critical Thinking

10 must read on Behavioral economics

I started writing this article quite a while ago when I heard once again about behavioral economics and its potential within design from my colleague …

Behavioral Economics

20 Super Crazy Real Estate Myths That Don’t Add Up

When it comes to owning, buying or selling real estate, sometimes it seems hard to tell the myths from reality. There is so much bad advice floating …

Real Estate

Why money actually can buy happiness (and how)

Okay, bear with me here. It’s true, money provides a whole lot of problems, and that’s well known in psychology studies. There’s even a term for the …

Average Income For African Americans Remain The Lowest

As of 2018, African Americans account for roughly 17% of the United States population. Below is a more detailed racial breakdown by the Census Bureau …

African-American News

Zero to $1 Million in 14 Years: Maxing Out 401k and IRAs from 2004-2017

Like many others, I had a vague goal of $1 million net worth in my 20s. It’s easy to find a theoretical path a million. For example, $750 per month …

Retirement

Do you have too much money in cash?

Most Americans are behind on emergency savings, with a majority of Americans lacking the funds needed to cover six months' worth of living expenses.<p>But what happens once you establish that emergency fund? Do you need more cash than that?<p>There's nothing wrong with having cash at your disposal that …

Investing

Why Your Return From Home Equity Is Always Zero

Home equity is an awful investment. It is unsafe, illiquid and its rate of return is always zero. Home equity is your “skin in the game” — it’s the difference between your home’s value and how much you owe on the loan.<p>If you own a $500,000 home and owe $400,000 on the loan, you have $100,000 in …

Personal Finance

What Economists Still Don’t Get About the 2008 Crisis

Macroeconomics tends to advance — or, at least, to change — one crisis at a time. The Great Depression discredited the idea that economies were basically self-correcting, and the following decades saw the development of Keynesian theory and the use of fiscal stimulus. The stagflation of the 1970s …

Economics

Why Buying A Home Is Not A Good Investment (It's A Service)

One popular housing mantra that almost everyone is familiar with is “location, location, location.” This quote, often attributed to a British real estate tycoon named Lord Harold Samuel, has been used to express the notion that there is only one thing that is important when investing in real …

Real Estate

The wealth benefit of college degrees is declining

A new study reveals that the economic benefits of a college or a graduate school degree are diminishing.<p>As student loan debt hits new record highs …

America's Insane Bail System Is Even Worse Than You Think

I grew up in Brooklyn in a neighborhood where we saw excess incarceration. But the system doesn't have to be this bad.<p>In Manhattan several weeks ago, a homeless man walked into a drug store and helped himself to a sandwich. When police arrested the man, who had been ordered to steer clear of the …

New York City

How to maintain a predominantly white workplace

The many advantages of diverse, inclusive, and equitable organizations have been documented everywhere from the halls of Harvard Business School to the offices of McKinsey. There’s no shortage of research on the importance of a diverse workplace.<p>Ignore it.<p>Follow this 10-step guide, and despite the …

The Workplace

25 Mistakes Made by First-Time Home Buyers

Source: Getty Images<p>Continue<br>Reading<p>1 of 27<p>How to make your experience go smoothly<p>There's nothing more exciting than buying your first home. But while …

Personal Finance

Detroit has the country’s most unequal housing market—and that could be a good thing

Inequality could be good for housing markets.<p>A new analysis from LendingTree, an online loan marketplace, examined the nation’s 50 largest …

7 Personal Finance Books You Need to Read This Summer

It’s summertime, and that means relaxing by the pool or on the beach. But before you pick up the latest paperback thriller to read by the water, consider giving your brain a little bit more of a workout. These 7 personal finance and self-improvement titles are not only entertaining and informative, …

Personal Finance

Emotionally Intelligent Advice From an 80 Year Old Man | Inc.com

Number 32: Take charge of your attitude. Don't let someone else choose it for you.<p>From time to time, I come across a list of life lessons "as described by an 80-year-old man." They've been widely shared online, and maybe you've seen them pop up in your social feeds.<p>As I read them again recently, I …

These 20 pictures will teach you more than reading 100 books

“Art isn’t only a painting. Art is anything that’s creative, passionate, and personal. An artists is someone who uses bravery, insight, creativity, …

Motivation

Ben Carson wants to raise rents on public housing tenants by 300%+, attacking elderly, people with disabilities and working poor

Housing and Urban Affairs Secretary Ben Carson has asked for Congress's approval to hike rents on people living in federally subsidized housing, with …

Barack Obama Just Shared His Summer Travel Plans — and the Books He's Reading Along the Way

“I've often drawn inspiration from Africa's extraordinary literary tradition. As I prepare for this trip, I wanted to share a list of books that I’d …

Here’s How To Avoid The Dreaded Skinny-Fat Body

Picture this. The weather’s heating up and the annual pilgrimage to the local swimming spot is in full swing. Immaculate looking bodies are strewn …

One Couple’s Journey From Debt to $1.5 Million in Savings

When Al and Lesia Riddick got married 16 years ago, they had about $150,000 in debt, including a student loan, a car loan and a mortgage.<p>Now they're …

Personal Finance

Thinking Forward, Part I: The Rise Of Renting And The Decline Of The White Picket Fence

No matter how you look at it, the concept of home is changing in the United States. The 1950s-era American Dream of owning a house with a white picket fence and a perfectly manicured lawn has dramatically shifted. Home still matters — but we’re beginning to recognize that owning a home and <i>feeling</i> …

22 books we can’t put down (AKA your search for the perfect summer read stops here)

Summer is undoubtedly a time to be active, whether for you that means surfing near a millennial-pink beach, hiking to Instagram-worthy waterfalls, or …

11 Dystopian Books You Won't Be Able to Put Down

The Average Net Worth For A 50 Year Old In America

<b>The short answer is:</b> the average net worth of the average 50 year old is around $150,000. But the <i>above average</i> 50 year old has around $1,250,000. …

All the books Bill Gates has recommended over the last eight years

Bill Gates has become a powerful influence on publishing. An endorsement from the philanthropist and Microsoft cofounder can cause tangible sales spikes, reminiscent of the golden ticket that once came with being picked for Oprah’s book club.<p>So just what does Gates read? Quartz manually compiled …

Books

How much money have America’s 30-somethings actually saved? Finally, they speak

Will you ever be able to stop working? These 30-somethings are planning ahead.<p>Twitter TWTR, +0.16% blew up last week after MarketWatch posted a story …

Retirement