Community & Coleture Archives

July 3, 2023July 3, 2023

The Coleture of Feedforward: Launching an Economic Development Intensive for Black Youth

Promoting economic development and empowerment among marginalized communities is essential for creating a more inclusive and equitable society. Recognizing the unique challenges faced by Black youth, as well as their potential in shaping their communities, The Coleture Real Estate Brokerage is curating a summer intensive that will begin in the summer of 2024. This program is being launched specifically aimed at fostering wealth creation, financial and credit literacy and empowerment within this demographic. This article highlights the significance and impact of such initiatives and explores the key components of The Coleture of Feedforward, which is customized for young Black adults.

Nurturing Entrepreneurial Skills

The Coleture of Feedforward program places a strong emphasis on cultivating entrepreneurial skills among the young participants, affectionately referred to as The Coleture Kids. Through tailored workshops, mentoring, and practical activities, the initiative equips youth with the knowledge and tools necessary to develop innovative business ideas and navigate the entrepreneurial landscape. By fostering an entrepreneurial mindset, the program encourages the youth to overcome barriers, create economic opportunities, and contribute to the growth of their respective communities.

Strengthening Financial Literacy

In addition to an entrepreneurial mindset, a crucial aspect of economic development is building financial literacy amongst marginalized young people. The Coleture of Feedforward incorporates modules specifically designed to address the unique financial challenges faced by this demographic. Participants will learn about personal finance– managing money and making informed financial decisions, wealth-building strategies, particularly via real estate, and financial planning. By instilling Black youth with financial knowledge, the program enables them to make wise economic decisions, break cycles of poverty, build generational wealth and contribute to overall community prosperity.

Promoting Representation and Diversity

One of the most important ingredients in The Coleture of Feedforward is representation. Representation matters, and the summer program actively promotes representation and diversity. The Coleture Kids are exposed to successful Black entrepreneurs, industry professionals, and role models who share their experiences and insights. This exposure helps break down barriers and inspires Black youth to pursue careers in various industries, fostering a more diverse and inclusive economic landscape.

Encouraging Community Investment

The Coleture of Feedforward program emphasizes the importance of community investment, engagement and social responsibility. Participants are encouraged to identify and address local challenges through community projects and initiatives. As a unit, we will select one project to commence during our session. By working together to tackle issues the participants often face, The Coleture Kids will develop a sense of ownership and pride in their communities. This fosters a spirit of civic responsibility and promotes the idea that economic development goes hand-in-hand with community development.

Networking and Mentorship Opportunities

A final component to the intensive is the acknowledgement that networking and mentorship play vital roles in success. The Coleture of Feedforward will facilitate networking and mentoring opportunities by connecting participants with experienced professionals and entrepreneurs. Mentors provide guidance, support, and advice, helping youth navigate their educational and professional paths. These connections will enable participants to build valuable relationships, gain insights, and access resources that contribute to their long-term economic growth and success.

The Coleture of Feedforward is a Crucial Step in Economic Growth

All in all, the launch of a summer economic development program specifically tailored for Black youth represents a crucial step towards empowering and uplifting this demographic. By equipping participants with entrepreneurial skills, financial literacy, diverse role models, community investment opportunities, and meaningful mentorship connections, this program lays the foundation for Black youth to thrive economically and create lasting change. As The Coleture Kids embark on their journeys, armed with knowledge, support, and resources, including a brand new computer, they will have the potential to drive economic development, break down barriers, be and inspire future generations of Black entrepreneurs and leaders.

More information and details about the program will be available in the coming months.

Finally, it is important to note that a portion of all real estate sales proceeds will go towards The Coleture of Feedforward Summer Intensive. If you have direct knowledge of anyone who can benefit from this program or you would like to be involved with this project, please send The Coleture Real Estate Brokerage an email at info@tcreb.com. Thank you.

This article originally appeared on www.TCREB.com.

October 30, 2021October 30, 2021

Business Building in 2021 and Beyond

We Want the World

Business Building in 2021 and Beyond. Image of books, computer, business cards and tools.

Business Building in 2021. My, how things have changed. Or maybe they haven’t. Maybe 2020 simply aroused sky-high motivation levels in many of us. Honestly, I’m not even sure if 2020 was the motivating factor. For me, it was just my time. I set a goal to be more intentional this year, and that is absolutely what I have been doing. Though there is still work to be done, I have made strides that even I did not see coming. When I think about building a business, I am thinking about longevity and generational wealth. Those are the thoughts that keep me going into the “beyond.”

Everyone is not meant to be a boss.

Be honest with yourself. Are you sure you want to be a business owner? It sounds very cool to say that you own a company, but the reality is, everyone cannot be a boss. Some do not possess the skill or knowhow, others do not have the interest. All of that is okay. But everyone has the capacity to be better equipped and maximize their earning potential, regardless of their respective fields or professions. For the employee, your leverage is your knowledge. Don’t you want to earn more?

Most people tell you to start your own business, but few rarely tell you how.

I always knew that owning my own businesses was the path for me. The thought of asking for permission to not come to work or have to explain why I need to leave early makes me cringe. I crave freedom, but freedom comes at its own cost. Just call me Trial & Error. When I first got into real estate, for example, I had no clue how to actually get started. Real estate school does nothing to prepare you to run a real estate business. Real estate school is for the real estate test. Period.

When business building, one of the first things I do is take to the internet.

Reading is fundamental. I read– and I don’t just read internet articles, I also buy books. But you also have to be able to comprehend what it is you are reading. Sometimes, that can be challenging, because there is an automatic learning curve when venturing into new territory.

During my discovery phase, I research, and look into other people and companies doing similar work. My goal here is to see what they are doing, what I like/dislike about their business models, while identifying potential competitors. (This also helps me decide if this is a business I sincerely want to get into). In real estate, it’s like doing market research and preparing a comparative analysis.

Now, I’m not suggesting you do things in the exact same manner that I have. In fact, that is why we are here. “There is more than one way to skin a cat.” I am pointing out to you that I have made countless mistakes, many that cost me a pretty penny. For example–and I don’t know about you, but I frequently hear people telling others to “get their LLC.” Do you know how many LLCs exist and that’s it? Who has money to give away to the government?

Rarely do I hear those same people including in those conversations the steps necessary to correctly establish your business entity. What’s the real difference between an S-corp and a C-corp? It’s kind of like having a wedding versus having a marriage. The wedding is what everyone is telling you to have. And although weddings are nice, your wedding will not sustain your marriage.

Stay focused on Business Building in 2021 and beyond.

It can be easy to get discouraged when you are first starting out. You see some people thriving at something you want to do, and you do not even really know where to start. Stay focused.

I know a lot of people who are business owners. When you think about it, who doesn’t? However, when starting my first company, I felt there were few people I could turn to for guidance. But that never stopped me from trying. I got snippets of information here and there, and I put it all to good use. Although some detail was left out of shared information, I was still better off than I was when I didn’t know anything. Stay focused.

No one is going to give you the entire blueprint for your business for free.

Unless you have been living under a rock with absolutely no cell phone reception whatsoever, I’m sure you have heard of the latest wave, the app called Club House. I have been on Club House for a little while now, and I must say, there is ample opportunity on there. Many people have been able to monetize and scale their businesses, others have been able to connect with people who can point them in the right direction– I mean, it is truly something that can help catapult your profession or business, if used properly.

The greatest thing about Club House is that there are a ton of people on there providing you with information. Some are truthful, honest, and really wanting to create a pathway for others. Some are imposters, there to feed egos and grow their Instagram followings. Like anything else on the internet, all information isn’t good information. Be mindful of that and choose your actions wisely. Still, Club House is a wonderful starting point because you can find loads of people providing value FOR FREE.

Create the framework for your business right the first time.

When it comes to owning a business, investing in yourself is without question. Time, knowledge, and money are the basic ingredients to get your business up and running. If you are just getting started, figuring out exactly what you need to do to get started successfully can be a daunting task. While I struggled to figure things out for myself, I took notes. It made me realize that I should document some of my experiences, so that I may have that knowledge to pass on.

To that end, I am currently developing a course to provide you with a step-by-step guide for the successful foundation in which to build your business. The Business Building in 2022 and Beyond Course will clearly lay out how to start your business from A-Z. Though some of the startup information will directly correlate to Louisiana laws and customs, I recommend that you check directly with your secretary of state’s office to ensure you abide by your local practices. Still, the information included will assist you with any business anywhere in the US.

No matter what direction you choose, understand that mistakes will happen. The goal is to minimize how costly those mistakes will be. Learn some of my Dos and Don’ts in detail. In the Business Building in 2022 and Beyond Course, we will discuss business structures/entities, tax deferment opportunities, establishing business credit, real estate (of course), empowerment, and more. The course will be rolling out next year, so be sure to subscribe to and follow The Coleture, so you will be amongst the first to receive the anticipated launch date.

We are officially in the fourth quarter of the fiscal year. Where are you with your goal implementation? Drop us a comment below.

March 9, 2021March 9, 2021

Congratulations! You’ve Closed On Your Home. Now What?

It has taken forever to get to this point. You have been so ready to move, you could taste it. Buying a home was a goal so far in the distance, but once on the path to attaining that goal, the execution seems almost instant. Last you knew, you were under contract, but an entire month has passed. All documents have been signed. You get your keys. You take your pictures for the ‘gram. Suddenly, you realize: You’ve closed on your home. Now What?

There are several important things you must do soon after closing, and depending on what type of seller you have just dealt with, you want to make sure you get a few of these things done right away.

"Congratulations! You've closed on your home. Now what?" -Jillian showing she is camera ready. — *Congratulations! You’ve closed on your home. Now what?* Get ready for that new ID pic.

Be Camera Ready

It is quite possible that you may feel slightly overwhelmed right now. There is just so much that you have to do, but you have to start somewhere. The very first thing on your to do list should be to head to the DMV! That’s right. You have to get your new driver’s license or state identification card with your new address. You will need proof of residency, so take your closing documents with you.

Connect your services

Yes. The electricity was on for you to look at the house several times; however, the now former owner, is not going to keep those lights on for you. Contact your local utility company over the phone, and ask them what their requirements are to have the utilities turned on in your name, or to transfer your existing account. This account setup or transfer may be able to be handled entirely over the phone or online.

Next up, contact your local sewerage and water company. Normally, if you are a resident of New Orleans, you would be required to go in-person with the declaration page of your homeowner’s insurance in tow. You would also be required to pay a $100 deposit. However, my suggestion would be to call ahead to confirm the requirements, especially with the existence of the pandemic.

After that, we must tackle one of the more annoying account setups. You know who it is. “We will be there on Tuesday between 8am and 8pm.” *insert eyeroll here* Internet is one of our core services these days. Call ahead to schedule the connection setup for your internet and/or cable services. If your home is new construction, be sure to let the company know that ahead of time. It is possible that the company may not be able to locate the address in their system, and may need to do some additional work for connectivity.

Get Your Homestead Exemption

Contact the Tax Assessor’s office to apply for your Homestead Exemption. A homestead exemption serves multiple purposes, but one of the most important features is the reduction of your property tax liability. The current requirements to apply in Orleans Parish are as follows: To claim a Homestead Exemption, all owners who occupy the property must appear in person at the Assessor’s Office and present the following:

Proof of ownership (Act of Sale or Warranty Deed)
A valid Louisiana Driver’s License or Louisiana State I.D. (address must correspond to property’s address on application)
A current unpaid Entergy bill for the property, with service location and mailing address being the same, showing standard residential usage; OR
A landline telephone bill or cable bill (Direct, Dish or Cox).

There are also other types of homestead exemptions, such as a disabled veterans or age freeze exemption that may have a different set of requirements. As an example, for those seeking age freeze exemptions in Orleans Parish, you must be 65 years old by December 31st the year prior to the exemption start. In addition to that, you must provide proof of income and you are still mandated to comply with all other requirements of a general homestead exemption.

A homestead exemption can be applied for at any time. In Orleans, you only need to apply once, and the exemption remains permanently, unless you move. Note: You can only have one homestead exemption, as you can only have one primary residence.

Termite Contract

If there is an existing termite contract that’s transferable, go ahead and put that down on your to do list. We want a lapse in nothing. Contact the termite company, provide them with your information, and that should be that (unless a payment is required. This information should have been disclosed prior to closing). Should you be responsible for obtaining your own termite contract, then you want to be sure to contact a few different places to compare quotes. If you have not figured this out by now, always get quotes from multiple sources and compare your options.

Change of Address with the USPS

Change your address with the post office. There will always be something or someone you forgot to give your new address to. You can now take care of this online for $1.05 charged to your debit or credit card.

A few tips that you didn’t know you needed

Still thinking you’ve closed on your home. Now what? Here are a few tips that can help ease the last of that anxiety.

Make sure you set aside a rainy day fund for home needs only. You can no longer “call the office” to solve your problems.
Pay a little extra on your mortgage each month, even if it’s $5. You want to pay off your mortgage sooner than later, and every little bit counts.
You can always review or change insurance companies if you are able to find a better deal. The rates you initially locked in at won’t likely remain the same after the first year. If the prices get too high, find shop around.
Greet your neighbors. Forming a real sense of community with your most immediate neighbors can foster lifelong friendships and unofficial “watch” systems of your property.

"Congratulations! You've closed on your home. Now what?" Timmy relaxing in the bed. — *Congratulations! You’ve closed on your home. Now what?* Timmy says: Make up your bed and relax in it all day!

Enjoy Your New Home

Finally, the real moment of relaxation and joy. You own this home! There should be no rush to get things done a certain way. Take your time and get to know your space a little bit. Sometimes, what you had envisioned could change once you get settled in. And if you feel like you just can’t wait, maybe look into an interior designer or decorator. Some of them may not be as expensive as you think.

Remember when I said do not make any large purchases or take on any large debt? Well, now is the time you can splurge. Buy that new car or go on that furniture shopping spree. The world is yours! Congratulations! You’ve closed on your home. Now what?

December 1, 2020December 18, 2020

The Christmas Chronicles of 2020

An artistic photograph of the children by water, chronicling Christmas 2020.

Preparing for the holidays this year… Seems weird. Simply put, it doesn’t seem like the holidays right now because it doesn’t feel like the holidays. But it’s December already! It’s as if time stood still, but at the same time, sped along quicker than usual. Or maybe it’s just me. So much has happened, but it still feels like the beginning of the year. I’m in such a conflicted mental space. Oh, the Christmas Chronicles of 2020.

Chronicles:
the name of two books of the Bible, recording the history of Israel and Judah until the return from Exile
a factual written account of important or historical events in the order of their occurrence.
a work of fiction or nonfiction that describes a particular series of events
Oxford Dictionaries

Children walking along a path near water in Fall, just before Christmas.

I, like so many others, was so optimistic about this year. I had so many plans–big plans– that I couldn’t wait for things to come to fruition. For the first time ever, I created my Vision Blist! In case you’re wondering, a Vision Blist is a Vision Board in list form. Yes. I made that up. Don’t judge me. I made the most of my time. Plus, I printed it in color and it’s posted in my room… so it worked for me. *insert eyeroll directed towards anyone laughing at me*

Enters Shock and Denial

And then the Coronavirus hit, leaving life as we know it forever-altered. How in 2020 does something like this happen– and on such a monstrous scale, no less– without anyone in leadership having any idea what to do and how we got to this place? It was as if March was the beginning of the end. Many have lost their lives and/or their livelihoods. And that hurts.

Personally, work dried up almost instantaneously. Who could have fathomed what was to come? My mom’s Godmother contracted the virus from a caretaker at her living facility. She passed away. Two of my mom’s cousins contracted COVID-19, and they, too, passed away. I went months without seeing my parents and grandmother. Never in my life, have I ever been away from them for that long, considering they are living. Still, life was happening. Overwhelming amounts of stress and sadness were amassing in the interim, and I know that I was not alone in those feelings.

Christmas Chronicle #1: The show must go on!

We were blessed that my husband never had to stop working, but the pressure on me felt insurmountable! I had my children all day with no breaks. In the beginning, I wasn’t even taking my children to the grocery store. I made them masks, but still, I was too afraid of them getting sick. I was virtually schooling my daughter, who was displaying the affects of pandemic life in other ways. She was having trouble sleeping nights, so she’s still up at 4am, frequently waking me for some reason or another. My son, on the other hand, is an early bird and is up for 6am daily, like clockwork. Once work started to pick back up, there was no downtime, no time for self-care, barely enough time to think…

At some point, I had to demand a minute–even if that meant some things were being left behind. It was the acceptance of where we were (are). It finally hit me that this was our new normal. Now, the task was figuring out how to make this new lifestyle manageable–even enjoyable?

Christmas Chronicle #2: Be grateful for everything!

Take it all in stride and look for the positive in things. That’s the message I began to convey to myself. Even in spite of the Coronavirus, the holidays can be a tough season for a lot of people. In fact, I lost a first cousin just days ago. And though the celebrations are meant to be well-intentioned, when families gather around and rejoice in love and memories of days of old, that’s also the time when you realize that those who used to be here are no longer present with us. The holidays can inadvertently serve as a painful reminder of those losses. It really is a time that we have to choose to be grateful and hold each other’s hand just a little longer.

A big sister holding her little brother's hand.

Christmas Chronicle #3: Be kind to yourself.

Sometimes, we don’t have anyone else to depend on to lift us up when we feel we need it most. We have to pick ourselves up by the bootstraps, but be kind to yourself during this process. In those low moments, I try to channel that energy into something more positive. Whether that means dragging myself outside to play with the children, or taking the time to read a new book. It is my responsibility to make it happen.

If this year hasn’t taught me anything, it has taught me to pursue all of my passions with more fervor. I am demanding peace and happiness in my life. I am demanding all the things that my heart desires. And in so doing, I am demanding more intentional effort of myself.

Who’s going to tell me that I can’t have everything I want when I’m working hard to get it?

It is something that sounds so simple. The concept is simple. It’s the doing part that makes all the difference. And if that is an idea that I want my children to implement in their lives, then I must lead by example.

Christmas Chronicle #4: Be intentional.

Now, here it is December, and I’m scrabbling to make sure “Christmas” happens. I didn’t buy a single item for Black Friday. I don’t even know what the hottest toys on the list are. Actually, I saw a million social media posts in uproar about the PS5, and I was at a total loss. I didn’t even know they made another Play Station.lol That’s just how out of the loop I have been.

Shopping with my children in tow… stopping by the cookie company for my favorite overpriced M&M cookies, picking out decorations for the inside and outside of our home… those are things that we are missing. For my family, it’s not about the gifts– never really has been. It’s about the time spent together “searching” for presents. I do miss those things. Now it’s about baking those cookies at home, and being a little more creative and thoughtful with the gift giving. More importantly, the true “reason for the season” is still in tact, but maybe the capacity in which it resonates is just a little deeper.

The Christmas Chronicle of 2020: Create your own holiday spirit

What is “holiday spirit” anyway? I tend to think of cold weather (or the appearance of it, since we live in New Orleans). The smell of cinnamon and hot chocolate. The beauty of fall leaves preparing to change into winter sticks. Presents? Sure. But it’s more about the intention– the effort put forth for someone you love, simply to put a smile on their face. And then the coup de grace? Actually being present with them. Eating too much, laughing too much, catching up with some family you don’t get to see as often. Or traveling with your loved ones for a destination Christmas.

As with anything in life, things change. Adulthood requires figuring out a way to navigate these changes as gracefully as we can.

We upgraded the TV and surround system in our living room. We have the big box of popcorn from Costco and the hot chocolate is always on deck! Now, our movie nights are even better! And if you know us, you know we love to watch movies in our household.

In addition to our homebound fun, we are taking the extra time for introspection and really working to better ourselves. As a result, we are healing ourselves, while making it a point to really be present for others who deserve our time and attention. There is a message in all of this.

This year has been… a process for me. Granted, we can acknowledge the pandemic played a major role, but the Coronavirus merely exacerbated some of the challenges I was already facing. Above all, I can honestly say that this year hasn’t been all bad. I’m choosing to be grateful for it all! Grateful to have had some people in my life who are no longer here and to those who are here, loving and supporting me. I am thankful for all the experiences and lessons learned. Lastly, I am thankful for each and every one of you.

Y’all, we are surviving this pandemic!

Now, I have to put on my creativity hat and coordinate with Santa about these Christmas gifts.

What are some of the things you and your loved ones are doing to get “in the spirit” this holiday season? Are there any lessons learned in 2020 that you are taking with you into 2021? What are some of the things you’re leaving behind?

From my family to yours, we wish you a very Merry Christmas and an abundance of blessings and prosperity in the New Year!

Photoseries captured and styled by The Coleture Visual Art Studio in New Orleans, LA.

Don’t be afraid to reach out to someone if you’re in need of a little extra support. And remember, be kind to yourself. Be encouraged.

National Suicide Prevention Hotline-1-800-273-8255

Crisis Text Line-Text HOME to 741-741

New Orleans-504-777-3273

Atlanta-1-800-715-4225

November 30, 2020November 28, 2021

Welcome to The Coleture Visual Art Studio

Years ago, I loved being in front of the camera. Nowadays, it’s a rarity that you’ll see me. I can’t say there’s some super deep thing to speak of, I simply enjoy creativity and being able to get that creativity from others. A few years back, I purchased a camera, with the goal of getting into photography. I think I have to credit my daughter for that obsession. I loved capturing her–my Mini Muse! Anyway, as life happened, I stepped away from the camera for a while, only to pick it back up once starting Jillian’s YouTube Channel and creating my blog. I think I mentioned before that most of the photographs I post were taken by me, and so I have decided to share more of that with you. Welcome to The Coleture Visual Art Studio.

Practice Makes Perfect

Pamela of Pamela Premiere Photography being photographed while photographing. — Pamela of Pamela Premiere Photography in New Orleans, Louisiana, photographed by The Coleture Visual Art Studio.

I take no ones profession for granted. I am always working to perfect all my crafts. Photography is no different. In order to reacclimate myself into the world as a photographer (along with my other hats), my friend and personal photographer, Pamela of Pamela Premiere Photography, and I decided to do a joint venture for the Christmas holidays. We offered holiday mini sessions for one day at a rate of $120, even including a Christmas Card design.

Flyer for Holiday mini photo sessions by The Coleture Visual Art Studio in New Orleans, Louisiana.

It was fun! And I’m happy we were able to add a little value to a few families during the holidays that didn’t break the bank for any of us. We will likely do another one again, soon, so be on the lookout for an announcement. In the meantime, please reach out to me if you’d like to book a session. We are only shooting outdoors, and all shoots will be socially distanced per COVID-19 restrictions.

The Coleture Visual Art Studio in Action

Little boy in mask and cape, holding his toy, while being photographed by The Coleture Visual Art Studio.

Stilling a moment so it lasts forever.
The Coleture Visual Art Studio

Thank you for tuning in. And we welcome you to book your next session with The Coleture Visual Art Studio.

May 5, 2020December 18, 2020

Surviving Mother’s Day Motherless

“A mother’s love is a more tangible version of God’s love for us.”
Me

Most major holidays are a time of reverence and reflection. They all seem to have a central theme: thoughtfulness. Mother’s Day, a day set aside to honor and show appreciation for the mother(s) in your life, is no different. Oftentimes, the intense concentration on gift-giving overshadows the day’s actual intent—simply to say “thank you.” The closer we approach the date, the more we see people rush ordering gifts, with some struggling to decide what to buy for their moms. Some people are unable to purchase any gifts at all. Although that can be a difficult feeling, we have to remember that it is a blessing to have a living mother to celebrate in the first place.

A great-grandmother, grandmother, and grandchild. — Great-Grandmother, Grandmother, Granddaughter.

The simplest gesture for your mother on Mother’s Day will be big enough to warm ten thousand souls.

For many of us, Mother’s Day will look drastically different this year, compared to years passed. Still, there are some of us whose Mother’s Days have already forever changed. Many people find it very hard to celebrate a day where the woman they would honor is no longer physically present. Surviving Mother’s Day Motherless requires the support of loved ones.

Little Girl visiting her Grandmother's grave site on Mother's Day — Visiting her paternal grandmother’s resting place on Mother’s Day.

When a child loses its mother, it is the hope that her love will see him/her through survival.

My mother was diagnosed with cancer in 2015, and it was devastating. As if that wasn’t enough, my father, too, was diagnosed with cancer a few months later. We had to face some realities we didn’t want to, including the unimaginable– considering life without my parents.

Is there really any way to prepare someone to survive being motherless?

It is not lost on me how much of a blessing it is to still have both my parents. Which makes me even more sympathetic to those unable to fully embrace Mother’s Day as they once could. Remind those who have lost to reflect on all the love and lessons their moms left behind. Continue to celebrate the memories.

Surviving Mother's Day Motherless: My husband as an infant with his late mother.

Loved ones must really show up to support the grieving.

My father lost his mother when I was eight years old. I didn’t fully understand at the time, but I was watching my dad learn to live his life without his mother. He was different, never again to be the same man. My family stepped up in support of him and his loss. He always had a great relationship with my maternal grandmother, but their bond grew stronger.

Note: My paternal grandmother’s passing marked the first time I truly understood the feeling of loss. In fact, I wrote my very first poem, called “I’ll Fly Away,” shortly thereafter. Ever since then, I began to channel my feelings into my writing. And although my memories of my grandmother are fading, I am thankful for the little things I can remember, like her baking me my own little pound cakes and her homemade ice cream. But most importantly, I am eternally appreciative for the man she raised in my father.

Surviving Mother's Day Motherless:
My late paternal grandmother standing by a car. — My late paternal grandmother.

Anyway, I try to keep in mind ways in which we can strengthen and enrich the lives of those around us, especially those of us experiencing grief. So although we get excited about celebrating our mothers, let’s remember to make an effort of compassion to those who have lost theirs. Here are some supportive gift options you may want to consider:

Give the gift of flowers

Flowers can be a great option to gift someone who has lost their mother. You could gift her favorite flowers to her child. Or, you can place flowers on the late mother’s grave. If you choose to order flowers, try supporting a local florist in your area. Many are delivering right now.

Snow crab legs, Dungeness crab legs, and crawfish.

Find out her favorite meal or dessert

Cook one of her favorite dishes as a gift. (Or, if you’re anything like me, place an order). It could be a wonderful new memory created, by her loved ones being able to enjoy her favorite meal. It could also give the feeling of closeness to the departed mom on this Mother’s Day.

Write a sentiment

If you knew the mother personally, write something from the heart to be read aloud. If you did not know her, try writing out a quote and/or prayer for healing, peace, and sympathy. This is a gift that requires no money, only time, vulnerability, and love.

Creating fun, filtered memories with my little people.

Collect memories through pictures

Create a photo collage to help lift the spirits of those she left behind. Reminiscing via old pictures and sharing those memories with others, even virtually, can be very uplifting.

Two women having brunch. — Sisters brunching together.

Host a Mother’s Day Brunch

Organizing a Mother’s Day gathering, (keeping social distancing in mind or virtually), honors all the mothers in your life, both past and present. You can each speak on a memory of the deceased. Once everyone has spoken, release balloons, butterflies, or birds at a pre-selected location. This will ceremoniously commemorate her transition from this life into the next.

a plam tree — Palm Trees signify righteousness, freedom, and resurrection.

Plant a tree or garden in her honor

You can gift the grief-stricken with a plant or tree to be planted in their yard. Creating a physical designation would be the perfect way to have a nearby place to feel close to their mom and to communicate with her.

There is nothing we can do to take the pain away from the loss of a loved one, but we can try to ease it. The easiest way for the motherless to survive all major holidays, are directly derived from the support of family and friends. Remember these key ingredients on Mother’s Day and beyond: Vulnerability. Humility. Kindness. Thoughtfulness. You may one day find yourself on the other side of these gifting suggestions, praying for others to hold you at your weakest. If we do a better job of putting others first, the happiness we incite can be just as contagious as the Coronavirus. Let’s continue to uplift one another regularly. Happy Mother’s Day!

If you have some creative ideas on how to support those experiencing loss during Mother’s Day, or you just want to share a story, please comment down below.

March 25, 2020March 25, 2020

20 of the Most Hilarious Coronavirus Memes I Could Find

The Coronavirus has taken over life as we know it. Every time you turn on the TV, or social media, we are inundated with COVID-19 talk. Stores are closed, restaurants are pickup or delivery only, and in New Orleans, curfew is at 5pm. With the constant reminder of the presence of COVID-19, even as we are all on house arrest, it’s simply a conversation you cannot escape.

Well, you know how the old saying goes: If you can’t beat them, join them.

The internet, or “innanet” as it’s more affectionately known, proves to be unrivaled in the comedic department. We may not have the actual cure for the Coronavirus yet, but I am happy to fulfill a prescription of laughter. Here are 20 of the most hilarious Coronavirus memes I could find, to help you get through your day.

The Quarantine Memes

Happy Birthday, anyway, March and April Babies!

Coronavirus Memes — Okay, this last one almost took me out.

Although there are things that we do need to pay attention to, the amount of coverage on COVID-19 is relentless. The nonstop articles, breaking news, and general conversations about the Coronavirus can become triggers for those of us who may suffer from more fragile mental states. Let’s remember that our loved ones who may suffer from depression, PTSD, anxiety and other mental sensitivities could use a little more compassion right now.

Share a meme, share a smile.

You may not be able to give out hugs, but an encouraging text or an unexpected letter in the mail can go a long way. There are also uplifting tips found in the Powerbank section of The Coleture. Whatever you choose to do, be kind and be considerate. Let’s make the most of our current state of affairs, and let’s do it with a little laughter. Be healthy and stay safe.

What’s your Quarantine Super Power?

If you need more information on the Coronavirus, please be sure you are getting it from trusted news sources, such as The CDC.

March 23, 2020May 8, 2020

8 Ways to Support the Self-Employed Persons in Your Life

Real Estate Professional's Business Card. — If you know anyone in New Orleans looking to buy or sell property, please send them my way.

The Self-Employed Need Your Support, Too.

Have you ever started a business from scratch? And when I say scratch, I mean with little to no startup money? You no longer make the type of money you used to make, because income is inconsistent and, often, commission-only. Your actual work hours are so blurred together that you don’t even know how many hours you work per week. And, finally, when you do get a check, that money is already accounted for. Add to that the current global state of affairs, and you realize this is the time to come up with ways you can support the self-employed persons in your life.

“I’m convinced that about half of what separates the successful entrepreneurs from the non-successful ones is pure perseverance.” – Steve Jobs

According to Investopedia, “a business owner is someone who owns a company but does not work with the day-to-day operation of the company.” Conversely, someone who is self-employed owns the business and works at the business as sole proprietor or primary employee.

On average, it takes two to three years before a business owner becomes profitable.

With all the craziness happening in the world right now, if the self-employed person in your life never needed help before, they probably will in the near future. Here are 8 tips to boost business for your self-employed, entrepreneurial friends during this Coronavirus season and beyond:

If you are not familiar with the business, ask questions to learn more. This small gesture shows your friend that you are truly interested in what they have going on. Cost: Free
If you know someone else who could benefit from your friend’s services, share that contact and information willingly. Referrals are everything in business. Cost: Free
If your business owner friend makes a post, share that post, like it, and comment on it. Digitally, promotion-turned-leads-turned-sales are traffic-driven. Again, this is a small (t)ask that is easy-to-do and can help your friend’s business tremendously. Cost: Less than five minutes of the time you are already spending online.
If you are observing your business owner friends during a tough period, offer support in the form of constructive feedforward. Cost: Prayers and/or words of encouragement.
Leave reviews publicly to highlight some of the best features of your self-employed person’s products and services. Cost: Free
Offer to assist your friend with some of his/her operational tasks when you have down time. Printing and stapling materials, or organizing digital files and folders won’t seem like much, but could save the owner money and time. Cost: Time
Create a business care package. Put together a box that has tape, ink pens, envelopes, stamps, and/or something more specific to their particular business needs. The smallest purchases can help. This shows the business owner in your life that you believe in them, you support them, and you are willing to get in there and help them succeed. Cost: Whatever you have in your heart to give. (Note: the Dollar Tree sells a number of office supplies and other products that you can purchase in support).
Lastly, check back here to view articles on some self-employed businesspersons, who you may not have known you needed in your life. Cost: Visit The Coleture often for updates.

“You don’t build a business, you build people, then people build the business.”
-Zig Ziglar

Globally, we are experiencing a crisis that is unprecedented in a number of ways. Some businesses may fold from this, despite the fact that they could have otherwise been very profitable. Now is the time for us to band together as a human race. Support one another as best you can. Stay safe and be well!

December 29, 2019May 8, 2020

Let’s Talk Real Estate: It’s Easier to Buy Than You Think

It’s easier to purchase property than you may think. Start with one foot in front of the other. Now, go forth and be great! But seriously, don’t be afraid to “go for it.”

If you can afford to pay rent, you can afford to buy…because you are already paying someone else’s mortgage.

If you’re a renter, what’s stopping you from taking the plunge? For many people, the idea of purchasing a home proves overwhelming. Take a look at 5 steps that can ease your concerns and help you successfully get into your own home.

Phase 1: Let’s Talk Credit.

Don’t be afraid to check your scores! You get one free credit report per year from The Annual Credit Report. Use it! See what’s on there. Be prepared to print out your results, so that you have the opportunity to comb through all that information. (Remember you can only view it once for free).

Be sure to dispute all incorrect information. Try to contact the companies of any negative items recently added, to see if you can either settle the debt or set up a payment arrangement. If any allow you to make a payment arrangement, go the next step by asking them to remove the debt negatively from your credit report, to reflect that you are actively making payments.

Note: Student loans and the IRS will ALWAYS get their money. If you owe them (or any other government entity), make a payment plan!

Next, check with your bank to see if they offer free credit score monitoring. If not, sign up for Credit Karma. It is totally free. Credit Karma provides scores based off data from TransUnion and Equifax. You can also dispute discrepancies directly from the site. Credit Karma offers a few different tools that can assist you in your credit repairing journey. You don’t NEED to pay a credit repair service to help you “fix” your credit, but of course, you can if you so choose. Just know that you are capable of doing the work yourself…for free.

Phase 2: Let’s Talk Debt.

Anything that you spend money on is considered debt—your regular household bills, shopping, travel, gasoline.

Check your spending. The banks most certainly will.

Typically, they will go back the past 6 months of your statements when you first apply for the loan. Right before the loan is set to close, they will run your credit and check your bank statements again. (So no major purchases)! Debt-to-Income (DTI) is extremely important, when it comes to securing a loan. You can make “good money,” but if you spend most of it, you will likely not be approved for the amount you may really want. Lenders could consider you too high of a risk.

Having additional sources of income can offset the “negative” of spending.

No matter who you are or what you do, if you don’t have it now, work towards having at least one other stream of income. Trust me. Rainy days will come…sometimes followed by black ice, hailstorms, earthquakes and hurricanes. Be as prepared as possible.

Phase 3: Let’s Talk Education.

Now that you’ve analyzed your financials, take a First-Time Homebuyers Class. This course, typically one you will have to pay for, can be completed in a day, or over the course of a few days. (There may be some places that offer the class for free, so check with your real estate agent).

Taking classes geared towards homeownership can be beneficial in a number of ways, including providing you with the most up-to-date home-buying grants or financial assistance programs that may exist in your area.

Phase 4: Let’s Talk Loans.

Just because you have a bank account does not mean you should automatically apply for a home loan with that institution.

If you’ve already chosen your real estate agent, ask them for some suggestions on lenders. Do some homework. Whether your agent referes you, or you find some lenders on your own, reach out to a few different lenders. I would suggest speaking with a major bank, as well as some local institutions. Ask several questions that will help you determine which lender is right for you.

Get pre-qualified for a bank loan before you begin house hunting with your realtor.

Even if you have an agent ready to work for you, it is best that you don’t begin shopping/searching until you at least know about how much you can afford. A pre-qualification is basically where you have a conversation with a lender and they ask you a few questions to determine what you would likely be able to afford. Because the information they are asking for is general, this process should not affect your credit score in any way. You should also not be providing super sensitive information, such as your social security number, during this conversation.

Phase 5: The Final Piece to the Puzzle

In the midst of all of this, find your real estate agent. (Hello, Metro New Orleans and Metro Atlanta Home Shoppers)! Your agent doesn’t have to have a million years of experience, but you do want someone who is knowledgeable, willing to guide you in the right direction, as well as clearly communicative. Communication and comprehension is key in any type of relationship, in order for success.

Follow these tips, and hopefully, you will be moving into your new home in at least 30 days. Drop a comment below to tell us about your experience(s) or if you have any questions. As always, thanks for reading. Feel free to share for #thecoleture!

I have not been compensated for any of the linked articles in this post. All information above comes strictly from my experiences/opinion.

July 6, 2019May 8, 2020

The Catch 22 That is Gentrification

A man working on a new construction home.

Don’t hate the player, hate the game.

“Gentrification is the process of repairing and rebuilding homes and businesses in a deteriorating area (such as an urban neighborhood) accompanied by an influx of middle-class or affluent people and that often results in the displacement of earlier, usually poorer residents.”
Merriam-Webster

Raise your hand if you would not like to live and raise your family in a nice area. Now, replace the word “nice” in that sentence with “gentrified.” Raise your hand if you would not like to live and raise your family in an established or gentrified area. Anyone who didn’t raise their hands is probably lying (or didn’t because you think no one can see you). I cannot imagine a single soul who wants to live and raise his or her family in poverty. Can you? The Catch 22 That is Gentrification.

So what is really the problem here? Let’s start with properties that are deserted and/or in extremely poor conditions. Who owns those? Who is responsible for cleaning those up? If there is an uninhabitable property in your area and nothing is done about it, that property more than likely becomes a space for squatters and drug users. When someone finally comes along to purchase the abandoned property and cleans it up, why then are we mad? I mean, if you could do it, wouldn’t you?

Why are we not mad at those who abandoned the property in the first place? Or why are we not mad at the city for not cleaning up the drug infestation we all know exists there?

I think once you begin to delve deeper into the conversation of gentrification, you realize that the problem isn’t “gentrification” alone. Sure, sometimes people come in and want to change the entire dynamic of an area. (Have you heard about the proposal from some French Quarter New Orleans residents who want the city to enlist “entertainment hours” in that area? Can you imagine that? Why move to the French Quarter in the first place? You knew what that area was all about before you bought there. Side Note: If you are interested in selling or buying in the French Quarter [or anywhere else in Metro New Orleans], I am more than happy to assist you in that transaction)!

But someone(s) NEEDS to fix these rotting and neglected houses and buildings that become “drug houses” and/or unsafe physically and environmentally. The influx of new construction and renovations also begets new businesses and amenities in the area, which by default, creates more jobs.

In the meantime, we have to address those other lingering issues. Why is the cost of living steadily increasing, but the wages remain the same?

Is it only a nicer home that’s keeping me from staying in this area, or is it that I’m making the same amount of money on my job that I was making five years ago and that’s like taking a pay cut each year?

Why is the education system so poor? What about the fact that the price of oil affects the pricing for everything else? Milk is expensive. Grocery shopping is expensive. Clothes are expensive. If you live in Orleans Parish, property taxes are higher, flood insurance can be more expensive, car insurance is more expensive, and minimum wage is still below $8/hr. Can someone please help me justify why daycare can cost over $1000/month for a two-year-old?

I’m not sure if this problem has an easy answer or fix. I do think the responsibility of ensuring that all of the “original” residents are not pushed out by newcomers is shared. More available affordable housing is necessary, but we also have to be realistic about what “affordable” is. I recently read an article written by Kaylee Poche for the New Orleans Advocate that states, “…in order to afford a “modest” two-bedroom rental in the New Orleans-Metairie area without spending more than 30 percent of income on housing costs, a person would have to make $19.38 an hour, up slightly from a housing wage of $19.15 in 2018.” Here’s the link to that article: https://www.theadvocate.com/gambit/new_orleans/news/the_latest/article_1c5d2d02-92d9-11e9-8fb2-4bb5df836864.html

Using gentrification as the scapegoat to any city’s housing problems is inaccurate. We want our neighborhoods to look better. As a property owner, we want our values to increase. We want less crime, better schools—an overall better quality of life. So how can we have all of this and the rental rates/home prices not skyrocket? How can we all “afford” to be safe and smart?

Assuming you do not currently, if you could afford to live in a gentrified area, would you? Why or why not? What are you doing to clean up your community? What are your elected officials doing? Please leave your comments below.