Manns Medium

So many ask this question but few ever get a straight answer to it.  Most are given the “old tired and true” reasons like lack of sufficient credit or lack of sufficient equity/capital or my favorite, lack of sufficient personal wealth.  Which begs the question, how can any of these be achieved if one cannot get the capital to begin that journey. The real reason that minority and women businesses face a steeper climb up the wealth ladder than others is that program rules are set for those already there or it is designed to keep minority and women owned businesses from ever achieving this status.  I say that because the evidence of such is quite overwhelming, if you look at it honestly. There is a recent story in our local news about a “79 year old former owner, CEO and president of a company called Rockford’s Commercial Mortgage and Finance Company who was just sentenced to 7.5 years in prison on 17 counts of mail fraud, one count of wire fraud and one count of s...

Attention America, we can no longer depend on Washington to make right the wrong that has been done to the 99%’s which is why I make the following offers. Seeking investors of two thousand ($2,000) U.S. Dollars to purchase shares of DARROCLEAN TOOTHPASTE and MOUTHWASH.   DarroClean offers benefits that goes far and beyond that of any other toothpaste and mouthwash on the market and will set the standard for those that follow after.   It is non-toxic eliminating the need for seeking immediate medical attention if swallowed.   Its ingredients are essential to the smooth running of the human body, has anti-tumor and anti-cancer properties and one of its main ingredients have been shown to decrease mortality rates. Seeking investors of twenty thousand ($20,000) U.S. Dollars to purchase shares of SPENT NUCLEAR FUEL ROD CONTAINERS (SPURS).   SPURS houses spent nuclear fuel rods in a gel which eliminates the possibility of radiation leakage and makes them safe for trav...

For many people, like me, who have so many excellent ideas to not only improve existing products but solve some of this nation’s biggest problems, very few avenues, if any, are available.   Especially if you do not have access to capital or that earth-shattering credit score that many traditional lending institutions would drool over you for. What’s left is the possibility that you will be able to find an angel investor or be able to enter a joint venture with someone who could provide you with the funding you need.   The main issue with that is now you have to prepare a proposal that get’s their attention and to get that you have to pay some company who promises to put together a plan that will deliver only to learn later that this same company prepares their proposal the same for you as they do for everyone else who can afford their services. My solution, do it yourself and take your time with it.   Proof your proposal several times before finding a place to submit it...

It never ceases to amaze me how quickly people forget the path that they have just traveled.   Maybe its just for convenience or maybe it’s something else, but what ever it is, we need to change this habit because no problem is ever solved if those trying to fix it will not first acknowledge that it exist Case in point is the article by Jonathan Fahey and Chris Kahn of the Associated Press titled Gas price to drop as oil joins commodities plunge.   These highly educated and skilled professional wrote that “investors finally hit the brakes on oil, gold, silver and food prices. Analysts say investors got nervous that oil, metals and grains had risen over the past few months to unrealistic heights. The most common reason given by analysts for the sell-off was the strengthening U.S. dollar.   Other factors such as concern about Middle East oil supplies and China's demand for raw materials contributed to the momentum. Analysts warned it was overdone.”   While I am in ...

America was once known as the “Land of Opportunity”, where someone with little to no standing could become someone of great influence.   Where education was not strictly judged by the schools you attended but also by the experience you displayed.   That seems so long ago now because now where you come from and the reputation of a particular educational institution is required.   In other words it’s “who you know” that matters. The “who you know” saga is played out in today’s communities by credit reporting agencies and their control over credit scores.   They can decide to lower them and make 600 the score needed to obtain financial help from traditional sources or they can raise them where only those with 720 credit score can avail themselves of those services.   This is also now being used to determine if you are worthy of being hired regardless of the years of experience that you have.   Right now many employers are using your credit report to determine...