I AM RichBlackGirl.com

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I AM generational wealth. I AM creating generational wealth. I AM a combination of my father’s high IQ and my mother’s high level of creativity. I AM a holder of a Master’s Degree in Computer Information Systems with a Concentration in Finance and Accounting. I AM a Licensed Real Estate Broker NestEggRental.com and former Mortgage Broker. I AM a Published Author with distribution through an international publishing house. I write technical manuals, self-help books, I produce a 3 year old blog about money & finance. RichBlackGirl.com , I AM a Licensed Master Cosmetologist and Health & Wellness Specialist. I AM a Novelist with national distribution through an international publishing house, I produce shows through my media company InboxMixedMedia (Google it). I AM a Recording Artist, producer and distributor of meditation recordings. I AM a Forex & Options Trader, I produce events and facilitate workshops and seminars, I AM generational wealth and I AM wealth and wealthy, NOW!

BTW-I AM an Ordained Minister YourAlliance.Org

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How To Get a Job Fast In Atlanta

So, I live in Atlanta, Georgia right now and everyday I come across somebody who is new to the city. As a public speaker and published author I speak to a lot of people on a daily basis. Most of them tell me they’ve been here in Atlanta for anywhere from 3 days to 3 months. Most people move here because they’ve heard there’s opportunity here in Atlanta. Maybe they’ve seen an episode of the The Real Housewives of Atlanta or Married to Medicine and they want to come and get in on some of the wealth energy that surrounds the city.

Ok, nothing wrong with wanting to bask in the glow of new money but in the A-T-L you gotta know what you’re doing if you want to get hired. You gotta know someone or you gotta be one hell-of-a-talented person if you’re looking to get hired fast around these parts. Miss Atlanta ain’t the city you just “take by storm” nah. Don’t get me wrong there is money here and there is opportunity but you’ve got to know how to tap into it!

First and foremost, understand that Atlanta is a talented and well educated city so come correct or don’t come. I’m baffled by the number of ridiculous resumes that cross my desk. As a business owner and entrepreneur I am inundated with cover letters and resumes and 95% of them look like crap and are a snore to read. People ask me why it takes so long to get called back after submitting a resume. I can’t speak for other employers but I’ll tell you this, I get so tired of wading through these so called resumes that are nothing more than a bunch of action words on paper, the thought of bringing one of you in for an interview is sickening. I mean, really? The sad part is most of these applicants actually went to University! Did they NOT teach you all how to write a resume or how to sell yourselves to potential employers? Well since they obviously didn’t I guess I’ll do it. For the sake of all employers out there, I’ll give you some basic tips on writing a resume that doesn’t put recruiters to sleep.

Suggestion number one: Write a list of your ACTUAL SKILLS. Not the action words that you think employers want to hear, no. Actual skills like software programs you’re proficient at or industry standard practices and procedures. For example; here is a portion of my personal resume from when I was working as a property manager.

2010-2013                             C.S. Asset Management, L.L.C.                                       Clarkston, GA.

Property Manager               single & multi-family                                                      Sub-contractor (FDIC)

Extensive experience resurrecting foreclosed, under-managed, underperforming properties to desirable residences & profit centers. Served as Technology Administrator for all systems at 7 sites including; rent roll, banking, phone and all computer hardware and software (OneSite, etc.) systems for 7 of 16 properties.

  • Successfully negotiated payment dispute with HUD/Section 8 resulting in a recovery of $14,400 in rent payment arrears.
  • Rehabilitation and lease up projects exceeded 100% quarterly income and occupancy goals achieving 207% ROI per unit over 2 years.
  • Responsible for outsourcing and IT staffing resulted in a $120,000 bottom line savings over 3 years.
  • Vendor management and negotiation skills resulted in a total savings of $31,000.00 over 3 years.
  • Reduction of costs of over $200,000 in court, attorney’s fees and vacancy costs.
  • Creation of new revenue streams that brought in over $3.6 million over 3 years
  • Consistent identification, growth and mentoring of staff resulting in 86% being awarded the companies Excellence Award and 5 received perfect scores of 30 out of 30 on secret shopper assessment (20% over company average)

Notice how I’ve told the reader what I’ve accomplished. They can judge for themselves if, based on the descriptions, I’m hardworking and determined. First of all you might think you’re hardworking but someone else may think you’re a lazy bum with no work ethic. So don’t just say it, prove it. As an employer when I’m reading your resumes I’m wondering, “what did this candidate do for their previous employer and how can they duplicate or top that at my company?”

The other thing is… please, for the love of money, stop putting all those little stars and stripes all over your resume. Don’t submit “fluffy” resumes. No amount of special characters and widgets will make up for lack of experience or education so stop fooling yourselves. Employers don’t want pretty resumes. They want simple, easy to read, straight to the point, one page (if you can pull it off) resumes that answer the question, what have you done and how will you benefit my organization.

Suggestion number two: Use a resume builder program. My favorite one is Live Career. <–Click on it. It’s great! It offers several different formats and will help you to resist the urge to fluff your resume. Plus they offer resume styles for different circumstances. Like if you have gaps in work history or you’re transitioning from the Military or even if you’re changing career fields, there’s a format for that and Live Career has got it! No seriously, use them. There’s nothing wrong with asking for help, especially when it comes to gettin’ them coins, hunni!

Suggestion number three: Please put a working phone number as your contact information for potential employers to reach you by. I think that’s self explanatory. I’ll also add, be in a quiet place where you won’t be disturbed when you return a call from a potential employer. Have a pen and piece of paper handy and remain calm while on the call.

Suggestion number four: Make the content of your resume relevant to the job for which you’re applying. Does this mean you might need a different resume for each job that you’re interested in? Yep! That’s exactly what it means. If you read a job ad and there are words in the ad that mean the same thing that’s in your resume but the terminology you used is different, use their terminology. Many companies use robots to crawl your resume for keywords and some recruiters simply don’t know that those different terminologies mean the same thing. So help ya-self out and make it easy by using the employers preferred terminology, ok? OK!

Now… are you ready? Ready to make some real MONEY? More money than J.O.B is willing to pay?  Click Here and take a look at this innovative direct sales company that offers excellent “instant gratification” weight loss and beauty products! The weight loss industry is big business, especially when the products actually do what they say they do! People are losing 10 lbs or more in 10 days with these amazing product and making $5000, $10,000 and even $20,000 per week. I mean, let’s face it, health is wealthy! In the case of this dynamic company that statement is true literally and figuratively. People are getting the slimming their bodies and fattening their bank accounts. You can be our next six-figure fitness success story!

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What Its Really Like To Work From Home

SAMSUNG CAMERA PICTURESSome people envision working out of their home as a dream lifestyle, where they can do what they want, when they want. Well, as long as what you want to do is work and earn some money, then that would be true. First, it takes some time to get used to your new work schedule, whatever that may be. You no longer have to be out the door by a certain time or face your boss bitching you out because you’re late. As your own boss, you have to hold yourself accountable and the success of your business depends on it. You will be the responsible party.

You will no longer receive a guaranteed paycheck at guaranteed frequencies. So you must stay on top of your own billing and adjust your monthly budget accordingly. Also, spend your time wisely. Set your work hours, focus on work and avoid distractions like social media and personal calls. Stick to your set work hours, you’d do it for a traditional employer so do it for yourself. You have the freedom to meet your spouse for lunch, but will that interfere too much with your work? Remember, you’ll also be your own problem solver.

One way to manage your time is to schedule all of your leisure time first. Go through your calendar and block out time for workouts, lunches, picnics, family time and personal time. Then schedule your workload around that. It’s important to have work/life balance.

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The Dumbest Thing I’ve ever Done: Regarding Money

no wonder 1

 

 

 

 

 

 

 

 

I’m sure many of you will be able to relate to this…

The bills are due. Money is scarce. Your paycheck is spent before you even get it but you want to upgrade your life or just do something fun. You need a new cell phone. Your car (if you have one) needs repairs. I mean, how else are you going to get to work? You hate your job and all you want to do is go out, have a beer and blow off some steam. You throw your hands up and yell, “Damn! Can I live?!

So you do it. You go to the bar and there are your friends. Everyone is drinking and having a good time. You’re laughing, they’re laughing, drinks are flowing and the more you drink the better you feel.

Not only is money funny but now, you’ve over spent. Now what?

Worrying about anything is the dumbest thing you could ever do. Worrying doesn’t solve anything. It makes everything worse. Worrying clouds your judgment, creates confusion and all you end up doing is making poor decisions because you are too worried to see the solution. Focusing on the problem does not attract resolution.

In fact, worry is like fertilizer for your problems! Worry grows problems so quit your bitchin’. Not that you don’t already know this. You know you shouldn’t worry but now that you’re worried what can you do about it?

OK, cliche alert! Count your blessings. No seriously! Or better stated, count your resources. Sit down with a pen and paper and make a list of your resources. List money you have stashed or ways you can get money. Is there an investment you could temporarily liquidate? A 401K or some other investment you’ve forgotten about? It’s important to save and be fiscally responsible but it’s also important to feel that sense of wealth and security that attracts money into your life.

Map out a plan to keep yourself out of this situation in the future. Remind yourself that this is all temporary and that you don’t have to put up with this shit! Even if you only have five extra dollars leftover after you pay your bills, there is still something you can do. For example; do you really need the sports package on your cable bill? You’re going to be at the bar anyway, watch your sports there. Or better yet get off your ass and go play some sports! You probably could stand to lose a few anyway. Plus, you’ll up your game and stop your worrying.

What about your WiFi. I mean, what kind of world is it when you can’t steal your neighbors WiFi. Well, not literally steal their signal but you can offer to split the bill and get their password or give them yours. Otherwise, I’ll bet the bar has free WiFi. You spend too much time at the bar anyway. Go to the local library, they have free internet access and you don’t even have to buy a latte to justify logging on through their network.

If you’ve got a decent enough car and can pass a background check you can drive part time for a ride-share service like Uber or Lyft. It’s not strenuous work, you can set your own hours and drive whenever you’re in need of a few bucks. Your ride-share loot can be a part of your savings plan. After you get your economic life together start putting all of your ride-share earnings in an interest bearing account so that your money shortage is short-lived.

You can also find a cool roommate or boarder to help share the load. Listen, its cool to have your own crib but it’s even cooler to have your money-game tight. Right? Right.

Do what you gotta do, boo. Just don’t worry about it!

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Money at Home

For those of you who are having difficulty finding work in your field the traditional way I’m offering some ways to fast track your employment prospects and earning potential.

Right now I’ll give you the best employment sites and ways of making money and finding jobs using the skills and abilities that you already have. These are not just money making ides from home, these are real long term, short term and part time employment opportunities. The international employment market is wide open with full time employment vacancies for people who seek employment on their terms. Single mothers looking to earn extra income and college students who need online work to make ends meet can stop applying with employment services. Your employment search ends here, with Home Made Money; Jobs Without Borders. Dr. Richelle Moore shares online money making tips and   online business ideas. Internet business opportunities are plentiful. Get the best advice for starting a home based business and business ideas for beginners with Home Made Money; Jobs Without Borders!

This book has some of the most innovative tips from a real money expert. Dr. Richelle Moore has been working online jobs and even teaching kids about money for over 20 years. Richelle Moore teaches tips on how to save money, making money online, finding jobs and she exposes the best employment sites on the web. If you seek employment you need more than a bunch of employment ads, this book is like an online employment agency of your very own. As a matter of fact this book can teach you how to start your own employment website or employment services agency.

I want to point out a few mistakes, we as Americans have been making in our thinking. We’ve been complaining about jobs going overseas. We’ve been complaining about high unemployment rates and inflation. What we haven’t noticed is that just as jobs have moved out of this country jobs have also moved into this country, via the internet.
You can now work for companies and individuals abroad just as people in the rest of the world do. If you’re a business owner on a limited budget you can also hire workers at affordable pay rates and get high quality work done to support your business. You can even find great business partners in other countries and your business can take on international appeal and have a global reach but in order to capitalize off of this new global economy you must think outside the borders. You’ll find thousands of businesses are already working with professionals like you. Communicate your talent, showcase your portfolio, and stand out from the crowd with your state-of-the-art profile.

I recommend that you browse through them and familiarize yourself with the terms, conditions and culture of these various online communities. When you log on be ready to setup your profile. This is not as easy as you might think and it’s one of the most important aspects to bring about success. You are selling yourself before you’re selling your services or products. You want to present yourself as capable and efficient. You can use the same profile information on multiple databases. I recommend making a list of all of your skills and creating a new resume that will reflect your abilities and experience for working in this new global online way. Make sure you include everything you’re good at

What if you’re not good on the computer? What if you don’t have any marketable skills that will appeal to the online community? What if you don’t have any money? Upgrading your skills is something you will need to do. If you want to upgrade your skills and learn Skype Training, Computer Training, Internet Basics, Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Microsoft. What if I told you that you could attend a top level institute for free? You’d jump at that opportunity, wouldn’t you? Read it! Read Home Made Money; Jobs Without Borders, now!

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Profitable Business Ideas

Think it’s a myth that you can make money from home? You can now work for companies and individuals abroad just as people in the rest of the world do. If you’re a business owner on a limited budget you can also hire workers at affordable pay rates and get high quality work done to support your business. You can even find great business partners in other countries and your business can take on international appeal and have a global reach but in order to capitalize off of this new global economy you must think outside the borders.

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You’ll find thousands of businesses are already working with professionals like you. You can earn money through the internet. Home Made Money; Jobs Without Borders will show you how many people, all over the world are making money from home and earning extra income through online work. These are people just like you who are taking advantage of real online employment opportunities through local employment and even international employment with remote and online jobs.

This book gives you the best employment sites and ways of making money and finding jobs using the skills and abilities that you already have. These are not just money making ideas from home, these are real long term, short term and part time employment opportunities. The international employment market is wide open with full time employment vacancies for people who seek employment on their terms. Single mothers looking to earn extra income and college students who need online work to make ends meet can stop applying with employment services. Your employment search ends here, with Home Made Money; Jobs Without Borders. Dr. Richelle Moore shares online money making tips and   online business ideas. Internet business opportunities are plentiful. Get the best advice for starting a home based business and business ideas for beginners with Home Made Money; Jobs Without Borders!

Nearly three-quarters of the contractors agree that working remotely through this site has improved their quality of life. 85% of contractors say they LOVE it! Over 1 million users worldwide have used the information in this book to complete over 3 million tasks, share over 7 million messages and files, and create over 150 million dollars in value. Get your share of this $150 Million by reading Home Made Money; Jobs Without Borders.

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Online Money Making Tips

It’s no secret that the gap between the haves and have nots  is widening. What people need now more than ever is a tool for saving money,ways of making money and ideas for finding jobs. The new book Home Made Money; Jobs Without Borders released in August 2014 is packed with information that employment sites won’t reveal. The perfect employment opportunity is out there and Dr. Richelle Moore has compiled a book full of international and local employment resources that will make your employment search easy. Whether you’re looking for full or part time employment you’ll find it in Home Made Money; Jobs Without Borders.

I want to point out a few mistakes, we as Americans have been making in our thinking. We’ve been complaining about jobs going overseas. We’ve been complaining about high unemployment rates and inflation. What we haven’t noticed is that just as jobs have moved out of this country jobs have also moved into this country, via the internet.

This book has some of the most innovative tips from a real money expert. Dr. Richelle Moore has been working online jobs and even teaching kids about money for over 20 years. Richelle Moore teaches tips on how to save money, making money online, finding jobs and she exposes the best employment sites on the web. If you seek employment you need more than a bunch of employment ads, this book is like an online employment agency of your very own. As a matter of fact this book can teach you how to start your own employment website or employment services agency.

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Are you unemployed or underemployed? Have you been downsized, or has your job been outsourced? Have you been laid off or fired? Are you currently receiving unemployment benefits? Are your unemployment or worker’s compensation benefits about to end and you have no idea what you’re going to do to keep your family from going under? This book is definitely for you! If you’re waiting for jobs to come back, they’re not. It would take an act of congress to lower the unemployment rate and don’t expect them to act any time soon because unemployment doesn’t affect them. Face it, your dream job doesn’t exist. It’s up to you to create it and this book will show you how.
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What Makes Me a Money Expert?

IMG_0613green“Money” is not my middle name. My name is Richelle Moore which actually means Rich Black Girl. No, seriously it’s true! That’s a pretty cool moniker and I appreciate my mother for her insight but my name is not what makes me a money expert. I’m a money expert because I decided to be. There are very few people who truly understand money. Sure, you know how to work for it and you know how to count it and spend it but can you say for certain that you have a true understanding of money. It’s not something that’s taught in school. Even if you majored in economics or accounting you still don’t necessarily have a real understanding of money. How many accountants tell their clients to go meditate as a way of attracting more money? That’s right, few to none. If they understood money, they would.

Dr. Richelle Moore uses her background as a money expert to bring you sage teachings on how to run your business at home. Whether you’re looking for new business opportunities or are run several home businesses you will learn many business tips for the most successful business ideas on the web.

Listen to this audio to learn what made me become a money expert.

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About Home Made Money

Home Made Money; Jobs Without Borders does more than help those who seek employment. This book gives you plenty of online business ideas. Internet business opportunities are plentiful if you know where to look. Home Made Money; Jobs Without Borders is full of the best advice for starting a home based business and business ideas for beginners. If you want to operate a successful business from home Home Made Money; Jobs Without Borders by Dr. Richelle Moore is the book for you!

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This Audio provides more information about the book Home Made Money; Jobs Without Borders. Have a listen….

Don’t miss the opportunities staring directly at you! There are a myriad of new fresh home based business opportunities. There are plenty of ways you can earn money doing what you love to do, working for employers around the world. All you need is an internet connection. Even if you don’t have any skills you can learn new, marketable skills for free and it’s all in my book Home Made Money; Jobs Without Borders. People are using the internet for all kinds of stuff. Dating, music, connecting with old friends, even sex! There’s more to the internet than just playing games and writing on your friends timeline. People are complaining about high unemployment rates and low wages but they’re not taking advantage of what technology has to offer in terms of job opportunities.

A blogger/writer for Huffington Post recently had this to say…

Millennials were raised in an a world with unprecedented opportunity. When most Millennials were in middle school or high school they witnessed the birth of the Information Age. This ushered in new industries and a re-birth in education.

Millennials went wrong when they ignored the unique opportunities in front of them in exchange for the opportunities presented to their parents.
-They contributed $1 trillion to our national student loan debt [Bloomberg]
-They are the most educated generation in human history, yet they have the highest share of  unemployment  in the last 40 years [USA Today]
-48% of employed college graduates have jobs that do not require a four-year degree. [The Center for College Affordability and Productivity]
-Nearly 1/3 have postponed marriage or having a baby due to the recession. [Pew Research]
~Michael Price, author of; What Now? The Millenials Guide to Surviving & Thriving in the Real World
Wow… Get Home Made Money: Jobs Without Borders by, Dr. Richelle Moore and take advantage of the wealth of opportunity that’s been here for you the entire time! Wealth is a choice. Why not make it?
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Is money your obstacle and your solution?

ChecksMoney, your solution and your obstacle
If you ask a person why they did or didn’t do something they will likely give you a reason related to something financial.

I didn’t have the money, it was too expensive, and it costs too much are common excuses people use to let themselves off the hook and blame what seems to be a situation or circumstance that is beyond their control. In actuality, “I don’t have enough money” is an excuse.
It costs too much translates to, “I don’t want to do what it takes to have, be or do that thing but if anybody asks I can just say I don’t have the money to be do or have that.”
Money is an energetic representation of what you believe your self-worth is. The value you place on your skills and abilities are equal to your current income. You accepted the job and the pay, indicating you felt that your salary or wage is fair in proportion to what they are valued at on the open job market.

If you’re not attracting the money you want you need to ask yourself why. Ask, “have I discounted my skills and abilities?” If so, why? Some might say, “because people can’t afford to pay my price.” That is also an excuse. That is a projection of your own inner money monologue. You cannot accurately account for anyone else’s financials. Their money is determined by their self-worth and if what you’re offering is truly of value to them they will buy regardless of their income.

Just think of all of the women of little means wearing expensive hair weaves and who carry designer handbags. They value outward appearance so much that the price is not of primary concern to them as long as their friends see them as having the means to afford their wares. They will allow themselves to suffer financial hardship if it will allow them to appear as if they are financially well off. Their self-worth is connected to labels and the appearance of wealth through the accumulation of stuff. So we know that affordability is not an issue.

Ask yourself this, “Would I pay me this amount of money for this service that I’m offering?” If you would, why would you? What are the benefits of buying what you’re selling or working with you? Write them down. Would your demographic be interested in those benefits? If you are not your demographic, create an avatar of your perfect client or customer. Now ask yourself, “Why would this person pay this amount of money for this product or service that I’m offering? How does it benefit them? Why is it worth this price to them?”
The answer will likely be something emotional. When it comes to making buying decisions we buy with our hearts not our heads.

Asking yourself these questions will allow you to see the truth of the matter. You will determine whether or not you’re truly offering something of benefit. You can use this information to determine the proper price point and this will also give you a good foundation from which to build your marketing.
Have you discounted your value because you don’t believe yourself to be worthy? Are you providing products, skills or services that are truly of value?

So many people get into a field because, “people pay good money for this!” I know you’ve heard that before. One of my clients recently told me that her school offers lifetime job placement services. I said, “Whose lifetime yours or the schools?” Do you think your industry will always operate under its current structure? Even if it does, are you going to want to do this work forever? There are many good reasons to go into a particular field and money is only one reason and it shouldn’t be the number 1 reason. What about personal satisfaction, work/life balance and growth potential? Why did you choose your current field?

Take money out of the equation and then ask yourself why you’re not succeeding or not reaching your goals. If money is your obstacle and your solution you’ve made money your master. This is when money gets dangerous. The lines get blurred between whether you’re making the money or the money is making you. Whenever you’re trying to determine why you haven’t prospered in the way you’d like, take money out of it to reveal the real issue behind your money woes.