Wednesday, December 31, 2014

Things To Leave in 2014

One of the greatest ways to make a change is to create a personal agenda.  The best way to keep in mind what is wanted is to be confident about what is not wanted:
  • Apprehension
  • Chaos
  • Detrimental Actions
  • Distraction
  • Drama
  • Foolishness
  • Going Nowhere Relationships
  • Guilt
  • Indebtedness
  • Junk Food
  • Liars
  • Lose-Lose Situations
  • Mismanagement
  • Obstacles
  • Self-Disrespect 
  • Self-Ridicule
  • Self-Sabotage
  • Thieves
  • Time Wasters
  • Unhealthy Environments
  • Users



What are you saying goodbye to....?



2015 is the year to do something radically different and better.







tnd



Tuesday, December 23, 2014

Cosigning 101

The holiday season is a time when some feel extra generous with their money and their credit. Some may even feel extra generous with their name.

Cosigning on an account so that someone who is not creditworthy (according to the lender) may obtain something is a dangerous stretch of ice to walk across.  

If a person has not demonstrated solid, sensible financial management, then that person may be a direct threat to the cosigner's good credit rating.  

Consigning should be done for someone who has demonstrated consistent improvement in financial management including stability, progressively increasing income, and verifiable steps to increase their credit so that way they will be able to open up future accounts under their own good name.

There is also a risk. Although the person has demonstrated great ability in increasing their income and proving their credit worthiness, things can happen. If that person should no longer be able to bring in income or just plain refuse to pay, then ultimately that cosigned account becomes the cosigner's responsibility. In fact, on Day One when the cosigner signs their name on the account, they have already told the world that they are responsible for that account no matter what. So if the account is never paid, it will go into collections under the cosigner's name and ruin the cosigner's good credit.

Lastly, cosigning to an account causes the debt side of the debt to income ratio to rise which may cause difficulty for the cosigner to obtain something for their own household in the future.



tnd



Graphic source: Capitol One





Wednesday, December 10, 2014

On Way to Appointment and Needed to Turn Right on Red

I'm on my way to an appointment and needed to turn right on red.  There are a couple of vehicles in front of me.

When it was time for the vehicle directly in front of me to turn, the driver hadn't yet pulled up to the corner.  I flashed my lights.  They moved up.  They took a while before turning when clearly nobody was coming.  Okay.  They finally turned.

Assumption.  Screwing around on the phone.

I finally turned right following this same hesitant-taking-too-long-to-go-ahead-and-drive driver.

It's rush hour and traffic is stopped.  That Stop-Slow-Little Gas-Stop-A Little Bit More type of flow.

Driver still wasn't driving in reflex.  Just pulling up whenever to close the gap.

Then....crash.

The driver in front of me hit the vehicle in front of them.

Just Great.   Just what was needed in this one lane road.  The driver in the vehicle hit stopped right then and there.  But lo and behold they moved up until the center lane became available so that vehicles could go past their incident. 

Whew.  Nobody was hurt.  Traffic was able to continue.

Next time, may not be so simple as a fender bender. 


 


Sunday, December 7, 2014

Blocking Traffic Does Not Cause Change

Clearly there is a call for national reform for behavior fitness certification within law enforcement. All the protests need to be put in writing for petitions and coalitions to make across-the-board changes on Election Day...the day when elected officials really listen.

It's an HR departmental issue for changes in hiring checks and controls as well as new hire to retire phased/certification required departmental training with field and/or desk performance evaluations quarterly at first, then reduced as tenure continues .

However, I will always continue to respect the police officer. It is an honorable profession...a career I strongly considered once upon a time.

I saw this video and immediately corrected my perception that it is a "behavior behind a badge" problem across all racial lines. 

Blocking traffic does not cause change. Concerted efforts in well thought out reform make change.


~~~~~~~

My personal thank you to the Maple Heights Police Department and the Shaker Heights Police Department who would answer a call if a blade of grass was in the street - always ready to protect and serve. There at the door when you hang up.  These departments may even be a start to make a national change.  I know after hearing from the Shaker Heights Police Chief this past week, he has some practices in place that ensure positive community relations and protection. 

It doesn't matter if the community is a village or a metropolis.  A major change is feasible.

Crying out no money for reform regarding this matter is unacceptable.






tnd




Saturday, December 6, 2014

So I Was Laying In The Bed Early This Morning With My Cell Phone In My Hand...

...and I was doing what I usually do when I have reached for the phone to see what time it is...

...going through the notifications and reminders of what I needed to do today. 

One of the reminders were to pay a bill.  Before I make any transaction, I check my account to view the balance and if the balance is where it should be. 

This morning it was less than what I had thought I had.

I got up, went to the desk, pulled out the registers....time for the daily reconciliation to stay on track.

Looked on the account - two transactions for a Kroger #587 - 43201.  Now, I stay in a grocery store and the first thing I'm wondering is what grocery store in Cleveland was bought by Kroger.  I hadn't seen Kroger in Cleveland since the 70s.  Looked up the store number and verified the zip - yep, in Columbus.

I called the bank.  They said that those two transactions were already flagged because they were transactions out of my ordinary mode of purchasing.  I asked the representative when did the transactions happen.  He told me the time and I told him that I was on a stage in Cleveland when these transactions occurred. 

Needless to say, all bank accounts and credit card accounts have been notified and I'm awaiting new cards for all accounts because there were times this week when I had all of my cards in my purse when my purse was not attended - albeit where I discreetly placed my purse during these times.

Minding the Benjamins is a daily task that I practice because some financial institutions do not refund your money or credit your account if the discrepancy is reported after 24 hours.

I reconcile each financial and credit account so that the financial institution and I are always on the same page.

I only bank with national major financial institutions so that matters like these can be resolved quickly with a phone call and if need be a follow-up visit to the nearest branch.

Took an hour and a half out of my morning with all the institutions, but well worth thwarting some low-life thief.

Mind your money cuz somebody else got their mind on it.








Monday, December 1, 2014

The No More Bananas Smoothie

Anything I put in the blender always has a banana in it...until I don't have anymore.

When I made a choccolate milkshake for my granddaughter on Thanksgiving she kept saying, "I taste bananas.  I taste bananas."  She kept on saying it until I finally said, "I put a banana in it."  She walked away and left the milkshake on the table.

Well, come Sunday morning I didn't have any more bananas.  I went to the store to get some more, but they were too green.  Still got them though. They'll be ready shortly. 


So for the No More Bananas Smoothie:
  • 1 seedless orange - peeled
  • 1 apple - with peel, but of course, core and seed removed
  • Handful of baby carrots
  • Little bit of water for the bottom
  • Ice cubes on top
  • No sweetener
1. Blend on low then increase speed and continue to desired consistency
It's amazing how natural food has its own sweetness without adding any kind of sweetener - artificial or natural.

Tasty, pretty, and healthy.




Time Management is a Process

Currently:
  • I am a mother of a busy high school teenager
  • I  play video games, Play-doh, and hide and seek with my grandchild every weekend
  • I am in a musical that will run for about 19 performances with possible media appointments for the month of December
  • I began rehearsal for another theater production last week that is set for January through February
  • I assist people with real estate matters
  • I am working on two new books
  • I am booking engagements and holding seminars based on my latest book
There is more to the list, but this is enough to get the gist. Let somebody tell it, they would say, "That is too much to be doing."  Let another ask, "How is that possible?"

Through the years, I have attended a plethora of time management seminars either while in Corporate America or of the self-help variety. 

I incorporated the tools from all of that training from the Gantt chart, to an iPAQ (a PDA before the smart phone and iPad and in all honesty has some functions that the smart phone and other equipment STILL lack - hint), a Daytimer or Franklin-Covey planner or system, High Performance Academy a spreadsheet, Microsoft Outlook, iCal, or just a good ol' plain notepad and a pen - all to something that would best work for me.

Of all the things out there, it may be difficult to find just one tool or system to keep a busy person on track - thus, time management absolutely requires personal customization. 

I created a thorough comprehensive Things-To-Do List to make sure that I complete at least 85% to 95% of what needs to be done to:
  1. minimize procrastination, 
  2. avoid distraction, and 
  3. avoid getting behind on any deadlines.

I found it easier for my Things-To-Do List to be broken down in the following steps:
  • Priority List - The Main Things I Must Complete Today, No Matter What
  • Call List - Organizations and People I Must Reach Out to Today
  • Pending List - Things Pending or People I'm Waiting on Before Next Steps
  • Money Matters - Daily Checklist of Things To Do To Take Care of The Benjamins (money)
  • Project List - A list of projects accompanied with a list of the five big things that need to be done to move a particular project forward
All of these things are placed in a folder that I keep with me from the office to my desk at home to sitting in a waiting room.

This information is revisited nightly as preparation for the next day.

I created a form package that seamlessly assists me in staying on track throughout the day from step to step that may help you in managing your busy day.

Visit www.ladyintelligence.com to submit your request.

Have a great productive day.







tnd

Monday, November 24, 2014

Quick Breakfast Fruit Smoothie

Here's a quick fruit smoothie to make on the run in the morning.

All it takes is:
1 pineapple
1 banana
1 apple
Ice cubes
Water (as needed)
  1. Cut up the apple and the pineapple and get rid of the core, seeds, etc.
  2. No need to peel apple.  
  3. Pull the banana in half.
  4. Put all ingredients in the blender with ice cubes on top.  

Special Note for Smoothie Making:  It is strongly suggested to put the softer and lighter ingredients on the bottom with the heavier ingredients on top.  Start blending at a low setting then gradually increase speed to high. Blend until desired consistency.

I usually don't add water or sweetener to my smoothies, but for this particular one I added just a little bit of water so that the blender was able to rotate at ease and not get jammed on the ingredients.

Got rid of seeds and core for pineapple and apple.  Leave skin on apple.

Light on bottom, heavy on top.

Add some water to avoid any jams. Start out slowly then increase speed to high.

Tasted wonderful!  :)



The First Three Simple Things A Single Woman Must Know About A Man - #2


His Residential Address and Living Arrangements

A single woman should know where a man lives before she ever invites him to her home or better yet – before she lets him know where SHE lives. 

Anytime a man opposes a woman’s question about where he lives, who he lives with, and why he never invites her to his home, but yet he is ready to come and chill at her place, she needs to keep it moving.  More than likely, he is living a lifestyle that he already knows would not sit well…at least wouldn’t sit well with any together woman.

There are five main reasons why a man would be secretive about where he lays his head.  Those being:
  • He is married
  • He is living with another woman
  • He is living with a man with whom he has an intimate relationship
  • He does not have a home and he needs a place to stay
  • He is living in a family member’s or friend’s home


“If You Don’tKnow This, You Don’t Know Jack” covers why neither of the five main reasons a man is secretive about his living arrangements would ever be acceptable.

Peace, joy, and abundance…


tnd


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


If You Don't Know This, You Don't Know Jack by Tonya Nicol Davis
If you are a woman who is single and dating or a woman who is already married and settled, this book opens the door to a discovery in areas about the man in your life that you may not have known before.

Learn more about:

*What to do, what to have, and what to look for to be in a healthy, loving, and happy relationship 
*How to save precious time from living in drama and disappointment while dating or in a committed relationship 
*What a single woman needs to know about any man whom she is introducing into her life and into the lives of her family 
*Aspects a married woman can explore to learn more about the man to whom she has committed to be in her life

This book contains adult/mature subject matter.

Available at CreateSpace - an Amazon Company





Sunday, November 23, 2014

Green Grape Smoothie

Making smoothies is great for those who are interested in eating and drinking less sugar and processed foods.  I try to have a fruit-based smoothie in the morning and a vegetable-based smoothie for lunch, with dinner, or as an early evening snack.  I also try to avoid having any dessert type smoothies or shakes after 7 to keep glucose levels down to a normal level.

I made the Green Grape Smoothie a couple of days ago.  The picture below does not give the vivid color that this smoothie really had.  The beauty of this smoothie is that no sweetener was needed as one would think when using kale and spinach.  The natural sweetness of the fruit made this delicious drink a hit.

The recipe is below.

Enjoy.




This delicious, healthy smoothie features spinach and kale—the cancer-fighting greens that keep you going—as well as sweet grapes, a pear, orange, and banana.
  • 1 cup cleaned spinach leaves, firmly packed
  • 1 cup cleaned kale, roughly chopped, firmly packed
  • 1 cup green seedless grapes
  • 1 Bartlett pear – core, stem and seeds removed
  • 1 orange – peeled, pith removed, quartered
  • 1 banana – peeled
  • 1 teaspoon chia seeds
  • ½ cup water
  • 2 cups ice

Preparation

  1. Place all ingredients in blender.
  2. Process on low speed for 15 seconds.
  3. Increase to medium speed, then high speed.
  4. Process until well blended.

Nutritional information

Makes 5 servings
Per serving (1 cup)
Calories: 80
Carbohydrate: 19 g
Sugars: 12 g  
Fiber: 3 g
Saturated fat: 0 g
Cholesterol: 0 mg
Protein: 0 g   
Sodium: 15 mg                       

 From:  Lucky Green Recipe from The Wellness Team of Health Hub from Cleveland Clinic.

TND



Saturday, October 25, 2014

The First Three Simple Things A Single Woman Must Know About A Man - #1


His Full Name

As crazy as this may sound and just as ludicrous to mention, everyday women are perfectly comfortable in just learning a man's first name (or just the name that he gives her). By the end of the week, the man has been in her home, around her family and children, eaten her food, helped himself to anything in the house from the refrigerator to command control of the TV remote, and has become the self-proclaimed king in her bedroom.
Then in the next few days, when he ignores her calls and she puts someone up to call to see if he answers, she finds herself devastated - wondering what happened.
The answer to what happened is that he quickly summed it up that she had no self-respect since she gave up her body so quickly and all he had to do was smile.  The least that a woman must do is obtain a man’s full legal name.

If a man hesitates one second to give his full name, then that is the first red flag and really the only flag needed for a woman to keep it moving.  There should be no reason why a grown man must think about giving out his whole name. 
Any man who is afraid to give his last name has something to hide.  If he is so-called cautious to sharing his full name to someone he has just met, then he has no business stepping up to an attractive, intelligent, lovely, classy, drama-free woman.  It does not matter whatever reason he gives in not sharing his last name. There are no second chances for a man to tell a woman his full name.
Now on the other hand, a woman should not feel obligated to give out her full name because she does not know the man from Adam.  Anyone’s full name is easily searchable on today's Internet.  By giving out your name, this is all "Jack" needs to begin digging.  “Jack” can now pull up where you live, pull up your family members' names, download family photos, and gather all kind of info about where you work from your social media sites, public court documents, etc.
If the man has a problem with you not sharing with him your last name, then that is the first sign of disrespect because he is not respecting your philosophy about not giving out your last name to just anyone who asks. 

In today’s times, you must be careful when going out.  If a man asks you for your phone number or name, it is not necessary to be flippant when you do not wish to be bothered.  Politely turn down his advances and do not give him a wrong phone number to make him go away.  

Unfortunately, there are reported cases where women have lost their lives turning down a man’s advances.

If a man shares only a nickname or street name -- that's not acceptable.  The name that you want is the name on his birth certificate, driver's license, or state ID.  

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


If You Don't Know This, You Don't Know Jack by Tonya Nicol Davis
If you are a woman who is single and dating or a woman who is already married and settled, this book opens the door to a discovery in areas about the man in your life that you may not have known before.

Learn more about:

*What to do, what to have, and what to look for to be in a healthy, loving, and happy relationship 
*How to save precious time from living in drama and disappointment while dating or in a committed relationship 
*What a single woman needs to know about any man whom she is introducing into her life and into the lives of her family 
*Aspects a married woman can explore to learn more about the man to whom she has committed to be in her life

This book contains adult/mature subject matter.

Available at CreateSpace - an Amazon Company





Saturday, October 18, 2014

No 'Sweetie' on Sweetest Day



A couple of weeks ago, a childhood friend (let’s call her Denise) and I met with another childhood friend (let’s call her Mariah).  We hadn’t seen each other in about four years.  After we talked for about ten minutes, Mariah broke out of nowhere, on the other side of the universe from what we were talking about and said, “And Tonya, I want you to find somebody.  You deserve somebody nice in your life.


First, I was like, Is there a sign on my forehead that says ‘SINGLE’ or worse yet, does it say ‘LONELY’? Then, I almost felt insulted that Mariah would assume that I wasn’t with anybody and we hadn’t exchanged a word in four years.



Then I came back to the present thinking I am probably the happiest single woman in the world.  I cannot remember the last time a tear dropped from my eye because of a relationship. 



Now as friends, friends know each other’s intimate drama stories and they don’t forget those stories.  Sometimes they especially think about those stories when they see their friend is still with a particular person.  I thought about those stories that day.  Although, it is a new day now in everybody’s lives especially after silly stuff happens when first starting out - however, history is history.  I walked away from that conversation settled on that folk make their own decisions on what is worth going through to get somewhere and as long as I knew the truth about me and my journey, poo on anybody else’s opinion about my life.



~~~



But, I’ll tell you a secret.



I was in church several years ago and I heard a preacher say that if a person is single, they are single for the moment so that they can concentrate on what they are called to do.  That wasn’t the first time I heard that message.  I used to take that message as one of those lines like money is the root of all evil – except it is scripture that the love of money is the root of all evil and the incorrect quote that just money is the root of all evil is what folks who don’t have money say to make themselves feel better. 



But, I just happened to be paying attention when he said that ‘you are single so you can concentrate’ message that particular day.   I slowly began doing just that.



When my second husband left (and by the way I left the first one), I rearranged my bedroom, changed the locks, called his mother to bring him over to get his car (since he was driving his company van) so I could get the garage lock changed too, and then went out and started showing houses all before going to bed.  When he was packing up, I was helping him.  That’s just how done I was.  You hear me? 



Anyway, since then I made it up in my mind that I was going to do and live out all the dreams I always had without somebody hounding me about why I was doing this and that – like going to school to obtain a professional license.  I was going to pursue that childhood dream of a career in radio, return to acting, write books, return to composing music tracks and songwriting, finish raising my kids in a calm and quiet environment…just plain handle my business.



Someone once told me that I was busy because I didn’t have a man.  They were right and then they were wrong.  They meant I didn’t have anything to keep me company so I just buried myself into activities. That was wrong. 



What was right was that I was liberated to pursue happiness.



~~



Am I a bitter lonely woman?  Child, please.  Bye, Felicia.



Do I date?  Yep. 



Do I like men?  That’s like asking fish do they like water.   (wink)



But ask me if I have time for nonsense.    No the hell I don’t.



One of the reasons why I wrote “If You Don’t Know This, YouDon’t Know Jack”, is there is always the push for a woman to have a man and if a woman does not have a man, then something is supposedly wrong with her.



There are many dysfunctional or broken households because a relationship was formed between two people who got together for superficial or material reasons and not as two people bonding in agreement with how they will grow together and handle their business.  How a woman connects with a man who is on the same page as she is by taking the time to really getting to know him – but she got to be in the right book to even get to the right page.



On this Sweetest Day (actually a day that I forgot all about it until somebody texted me), I am single with a bunch of sweeties -- my children, grandbaby, family, and good friends.



Every day is the Sweetest Day.



tnd





Luv ya, “Mariah” and “Denise”. :)







Friday, October 17, 2014

What A Woman Should Know About A Man on Lady Intelligence Live!

Join Lady Intelligence Live! Host, Tonya Nicol Davis as she talks about her new book, "If You Don't Know This, You Don't Know Jack - What A Woman Should Know About A Man."

Tonya will go inside to share more about the Lady Intelligence Get To Know Him Better Awareness Campaign and how her new book helps to spread that message.

With so much hype on what a woman should do to get a man, the importance is what a woman should know about a man - especially the man who she has introduced into her life and into the lives of her family.

Tune in to Lady Intelligence Live! on Saturday, November 8 at 10:00 AM EST.


http://www.blogtalkradio.com/ladyintelligencelive/2014/11/08/what-a-woman-should-know-about-a-man




For more information about the book "If You Don't Know This, You Don't Know Jack", visit:




Wednesday, October 15, 2014

Press Release: Lady Intelligence, Ltd. Releases "If You Don't Know This, You Don't Know Jack - What A Woman Should Know About A Man"


Lady Intelligence, LTD.
PO BOX 24815
Phone (216) 223-8310
E-mail tonyanicoldavis@gmail.com

Press Release
Contact: Tonya Davis
Phone: (216) 223-8310
FOR IMMEDIATE RELEASE
11:59 PM EST, October 15, 2014

LADY INTELLIGENCE, LTD. RELEASES
“IF YOU DON’T KNOW THIS, YOU DON’T KNOW JACK – WHAT A WOMAN SHOULD KNOW ABOUT A MAN”
WRITTEN BY AUTHOR TONYA NICOL DAVIS


LYNDHURST, Ohio – Lady Intelligence, Ltd. releases the paperback publication, “IF YOU DON’T KNOW THIS,YOU DON’T KNOW JACK – WHAT A WOMAN SHOULD KNOW ABOUT A MAN,” written by TONYA NICOL DAVIS and now available via www.ladyintelligence.com.

The 116 page publication, distributed through various retail channels including CreateSpace, an Amazon company, as well as Amazon.com, is based on the Lady Intelligence, Ltd. “Get To Know Him Better” awareness campaign that began in April 2013. This particular awareness program is for females of all ages who entertain a romantic and/or physical relationship with a male.

The mission of the “Get To Know Him Better” awareness campaign is not only to stomp out unplanned pregnancies, but also to minimize the number of single-parent households, to reduce the poverty rate by encouraging abstinence until financially, mentally, and emotionally able to bring a child into the world, as well as to eliminate the spread of sexually transmitted diseases, domestic abuse, and violence amongst women and their children, families, and friends by someone they were just merely dating or their significant other.

“IF YOU DON’T KNOW THIS, YOU DON’T KNOW JACK” is written for women who are single and dating as well as for women who may already be married and settled to open the door to a discovery about aspects revolving around the man in their life where they may have not known before.

Readers will learn more about:

  • What to do, what to have, and what to look for to be in a healthy, loving, and happy relationship
  • How to save precious time and minimize the possibility of drama and disappointment while dating or in a committed relationship
  • What a single woman needs to know about any man whom she is introducing into her life and into the lives of her family
  • Aspects a married woman can explore to learn more about the man to whom she has committed to be in her life

“IF YOU DON’T KNOW THIS, YOU DON’T KNOW JACK” contains some adult/mature references, however, the content is suitable for adolescent females whose parents or guardians are concerned about their children’s physical behaviors or curiosity that could lead to detrimental repercussions.

TONYA NICOL DAVIS wrote “IF YOU DON’T KNOW THIS, YOU DON’T KNOW JACK” because she believes the dilemma that many women experience when it comes to cultivating relationships is that the media continually presents that a woman needs to do certain things or needs to transform or conform herself to either be “picked” or “selected” by a man, to appear “attractive” to a man, or to “lure” a man into her life.  The problem with that message is that there is no emphasis on compatibility.  The message that “if you want a man, you must do this or be that” is for a woman to get just any man – so long as one could say that she has a man in her life.

Another concern that TONYA NICOL DAVIS identifies in “IF YOU DON’T KNOW THIS, YOU DON’T KNOW JACK” is that a woman who has thoroughly addressed two core areas redirects her focus to the characteristics that a man must possess to be in her life - versus the type of so-called characteristics that a woman “supposedly” should have to draw a man to her and keep him in her life.

TONYA NICOL DAVIS possesses over 27 years of experience in the industries of health care, social service, corporate training and development, human resources, personal financial management, insurance, consumer retail, and real estate.

TONYA NICOL DAVIS enjoys spending time with her family, traveling, and creating empowerment avenues for women. TONYA NICOL DAVIS is an accomplished musician, composer, vocalist, voice-over artist, and stage and film actor.

For interviews, speaking engagements, business or promotional use purchases, and/or special sales of “IF YOU DON’T KNOW THIS, YOU DON’T KNOW JACK”, please contact TONYA NICOL DAVIS at 216.223.8310, tonyanicoldavis@gmail.com, or visit www.ladyintelligence.com.

LADY INTELLIGENCE, LTD. is a growing Book and Music Publishing Voice Media and Visual Solutions limited liability company with the mission to engage women into conscious thought about men and money by bringing generational behaviors to the forefront that play out in their current relationships. LADY INTELLIGENCE is a social media platform for healthy dialogue among women to learn from each other resulting in a current lifestyle and legacy of prosperity, abundance, and love. 


###

Click HERE to Order Copy