Sunday Schooled - The Riot Starter

The Riot Starter

T'was the night before News Years (Roman Calendar December 31st, 2008) and we just picked up Pops to take him to go to the Watch Night Service. Mums didn't feel good and refused to go with us stating "I'll be fine right here." as she gently patted the bed she laid in. When Pops (Rev. Dr. Samuel Varner) opened the door his pupils were dilated and he stood rocking back-and-forth trying to get his balance. His Glaucoma is kicking his tail, the surgery he recently had for his eyes seems to be in vain. The eye that didn't receive the surgery is now his "good" eye.

We walked out of the house, off the porch, and then made a wide circle towards the vehicle instead of walking directly to the truck. Instead of guiding him I let him find his way. It has to be depressing to loose your vision. He's facing the same thing his father faced.......Blindness. He shared with me a few days prior to Christmas how I'm fulfilling the same role he fulfilled for his father..... He became his father's eyes, I'm doing the same.....Reluctantly. I try as much as possible to allow Pops to accomplish anything he can with out treating him as a crippled man. As I fully want to guide him to the car as a normal person would move, he needs to be capable. He wants to be capable. He can get so cranky when he's helped to do things he can do for himself.
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'Sunday Schooled' is a collection of blog posts from Seko Varner's former blogs. This post was dated 01/01/2009 while Seko's father, Rev. Dr. Samuel Varner was alive. 

Original post:http://drivingmrdaddy.blogspot.com/2009/01/riot-starter.html 

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En route to the church Pops mentioned a friend of the family, Sarah Kinard, who is writing her thesis about her father and my Pops' Omega Psi Phi chapter brother John Kinard. John helped Pops cross into our Omega fold in 1958. Influenced by a man in his neighborhood Pops was originally interested in the Alpha Phi Alpha fraternity but as one of the Alphas on campus showed an interest in Pops in a different way (he attempted to force a sexual advance upon my father. My father beat that Alpha up) Pops decided against Alpha Phi Alpha. Dad said "I was black-balled. Other Alphas told me I would never survive the process and would never become an Alpha. The Omegas knew that Pops was destined to walk in Purple and Gold and John Kinard opened the doorway. Dad said "I didn't have any clothes except for the clothes on my back. John fed me, gave me clothes, and helped me raise the money I needed to pledge into Omega Psi Phi." Years later they remained friends as John became the first curator of the Anacostia Museum in Washington D.C. John and his family were frequent hosts to my family when I was young and I fondly remember eating Monkey Meat, Shark Meat, Octopus, and other exotic delicacies.

John's daughter Sara interviewed my Pops and reminded him that John and Pops help start a student riot on Livingston College's campus. According to Pops, who then shared the story: An another future man of Omega Psi Phi - Jesse Jackson Sr. (of I am somebody fame) and some other students held some sit-in demonstrations in North Carolina and the "white" citizens of Livingston North Carolina wanted to avoid having a similar situation. These citizens had been donating great sums of money to the historically Black College Livingston, and also the beginnings of the Food Lion Corporation had been supporting the College. A delegate from the citizens contacted the school and sharing their concerns about a possible sit-in stating that if such a sit-in occurred in Livingston the citizens would remove their support and also could impact the funding received from Food Lion. The school's Chaplin contacted Pops and Mr. Kinard and encouraged them to act in the best interest of the school's funding. This Chaplin then drafted a letter written from the perspective of the students stating that they had no interest in holding a demonstration. Pops and John Kinard signed the letter with the implication that they authored the letter and the correspondence was published in the local newspaper calming the concerns of the "citizens". Pops then shared how the students gave he and John hell for their act of betrayal and then held a riot to "demonstrate" their anger on campus. (Photo of John Kinard) http://en.wikipedia.org/wiki/John_Kinard
As Pop's story ended we drove up into the parking lot of New Life - Providence, the church that my wife and Kids having been visiting for over two years now. Their New Years Eve service had been heavily promoted in the church and included food and drinks prior to the service, a service, and food and drinks following the service. New Life is a mixed congregation and prides itself in being "Trans-ethnic" as it boasts membership consisting of people of many ethnicity's promoting that the body of Christ, and the Church accepts all people ethnically. This position of Trans-Ethnic initially turned me off, and now I could take it or leave it. Surprisingly this pastor, Pastor Dan Backens (photo to left) has often shared information I learned in my times frequenting Black studies groups such as the incorrect presentation of 3 Kings on the standard Christian Nativity scenes. Today as we walked in the sanctuary Pastor Dan surprised me and Pops by giving the Black History of the New Year's Eve (Watch Night) Service. I normally post to the e-group of the Imani Foundation each year a special historical note regarding going to church on New Years Eve. "The Watch Night Services in Black communities that we celebrate today can be traced back to gatherings on December31, 1862, also known as "Freedom's Eve." On that night, Blacks came together in churches and private homes all across the nation, anxiously awaiting news that the Emancipation Proclamation actually had become law.Then, at the stroke of midnight, it was January 1, 1863, and all slaves in the Confederate States were declared legally free. When the news was received, there were prayers, shouts and songs of joy as people fell to their knees and thanked God. Black folks have gathered in churches annually on New Year's Eve ever since, praising God for bringing us safely through another year. It's been nearly 140 years since that first Freedom's Eve and many of us were never taught the African-American history of Watch Night, but, tradition still brings us together at this time every year to celebrate "how we got over." Pastor Dan, an older white guy, almost read the above information word for word with a few changes in the presentation to make it appropriate and relevant. Pops and I looked at each other slightly amazed. (Photo of Paster Dan Backens)

Pops, who has been a minister for over 60 years left the service feeling refreshed and stated that he approved of Pastor Dan's approach to ministry and the service. He had visited the church once before this year when his eyesight was with him. What a difference a few days make. Three months ago he drove himself to this church, now we have to lead him from the truck. I give thanks to the Almighty for 2008. I've had a chance to spend a great deal of time with Pops and my life has been affected, my fatherhood has been affected, and my faith has deepened.

Be Improved...... Love, Seko
If you know anyone who is drowing in debt, or needs to invest in their future... I'm never too busy for your referrals. 757-404-3743.
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Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. They specialize in debt reduction, investments, and insurances. Seko is in high demand as a special events DJ and owns an event marketing service. Seko has diverse background in business, counseling and education. He has been real estate agent, a school counselor, a teacher, and an Intensive In-Home Counselor. Seko is active with numerous Youth Mentorship programs and has a background in radio and television. Visit www.HappilyEverAfter.Be or call 757-248-3820 for more details.

Economic Empowerment - Michelle Singletary

Salud !
It's probably well known that I'm a big fan of Michelle Singletary. I normally refer many of my financial freedom clients to read her books or find her videos to provide them with a knowledge base that aids me when I assist them with investments, debt reduction, or insurances. Here is a gem ! I found a great video of her speaking at an Economic Empowerment summit. Also below is her website. Enjoy and be empowered ! If you know of anyone who is drowning in their debts, I alwaus have time for your referrals ! Salud !

Seko

www.michellesingletary.com

Michelle Singletary, "Big Mama used to say it's not how much money you make that matters, but how you make do with what you have."
http://www.youtube.com/watch?v=RqjJZY7913g
Michelle Singletary, nationally syndicated columnist at The Washington Post, gave a speech at an economic empowerment meeting on February, 27th 2010. If you love Susie Ormond, Dave Ramsey, or Clark Howard..... You will love this sista'. Be improved ! This is the full presentation. Michelle Singletary is a nationally syndicated columnist for The Washington Post. Her column, "The Color of Money" is an award-winning column, which is now carried in more than 100 newspapers across the country including the Atlanta Journal Constitution. "The Power to Prosper, 21 Days to Finanical Freedom book is on sale now; obtain your copy! 

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Seko Benjamin Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. They specialize in debt reduction, investments, and insurances. Seko is in high demand as a special events DJ and owns an event marketing service. Seko has diverse background in business, counseling and education. He has been real estate agent, a school counselor, a special education teacher, and an Intensive In-Home Counselor. Seko is active with numerous Youth Mentorship programs and has a background in radio and television. Visit www.HappilyEverAfter.Be or call 757-248-3820 for more details.

Sunday Schooled' - Civil Rights & Civil Rage

'Sunday Schooled' is a collection of blog posts from Seko Varner's former blogs. This post was dated 04/10/2008 while Seko's father, Rev. Dr. Samuel Varner was alive. 

Original post: http://drivingmrdaddy.blogspot.com/2008/04/civil-rights-civil-rage.html

Civil Rights & Civil Rage

"came to African with rifles and Bibles, heard the names and started changing the titles. So instead of Shaka Zulu I'm Nat Turner with a burner..."

.....Dead Prez - 2000

 

I'm sure most of my fellow Americans (U.S.A.) will not understand my parent's rage. My mother describes American-born Blacks and/or African-Americans as suffering from Post Traumatic Stress disorder when she share how Africans and African descendants who migrate to our country seem to fare better on a whole than native born Blacks or African-Americans on the whole. My parents have been the best example of not harboring hate towards people, and have never held their tongue when describing the life that America has given them. I'm walking the same road as they did as a parent; I'm attempting to raise my children, and other children I come into contact with, with a love for all and an appreciation for all creation. 

 

As I listen to Sean Hannity, Neal Bortz, and my old favorite Rush I've learned that America's rugged individualism will seem at odds with the communal approach to living that seems to be in the heart of all African civilizations and nations that have an African genetic make-up. Our communal living seems similar to socialism and communism. When we support Black Businesses it may seem like reverse racism. I understand why the ideas expressed in the Kwanzaa principles may seem anti-American to one who seems like an outsider to what the principles embrace.

 

While discussing why some many were upset with Dr. Jeremiah Wright's statements and worried about Obama's connection with Trinity United Church of Christ I saw the rage jump out of my parents. They felt personally attacked by the "Republicans" who were airing the concerns that I was able to express to them as an avid listener of conservative radio. My dad pounded on the table shouting "Do you know what white folks have done to me ?"......."Yes" I answered. We have experienced America's devilish and Godly nature. The colored Americans of my great-great grandparents, great grandparents, grandparents, and parents time have all looked at America and said "Forgive them God, for they know not what they do." These generations loved America as Yeshua (Jesus) loved the world. Yeshua loved the world enough to be radical and tear stuff up in the temples and also to allow those temple folk to inflict terrorist acts upon him while he prayed for the Almighty to change their hearts. As we spoke, and allowed them to vent their anger, an understanding of the dual feelings we have for our country surfaced. We love America and hate America simultaneously at times. We love our country but don't truly trust our government. We've said "Damn America" and would pray for America in our next breath.

 

Seeing the media demonize Dr. Wright, a U.C.C. pastor, because he said what many of "African in America" have said. Americans in their zeal to better America are now attacking anything that seems to radical. My parents generation remained quiet and full of hope for America when America showed progress and regress in regards to Blacks. This generation is now being demonized for feelings that are natural. Our country legalized and allowed terrorist acts to occur to it's primary non-European descended citizens. Our country paid others to commit acts of war to our enemies. It's always been interesting to me how we seem to have ongoing disputes with countries and individuals that were former employees of America such as Ben Laden and Castro.

 

I've heard hosts and callers of my favorite shows state that while Dr. Wright may have a little truth in his statements his statements seem to ignore the great strides our country have made towards ensuring civil rights to it's citizens. I stated to my parents that we are going to seem angered and "preaching hate" unless we constantly drive home the point that America has changed, while we continue to point out it's past and present flaws. The conversation ended with an uneasy air as both parents wrung their hands containing the anger towards the past sins of America upon it's citizens. This generation was never given a chance to heal from the wounds that America inflicted upon them. Today their attempts to heal these wounds seem Anti-American. They can't win for loosing. 

 

It's funny how America and Christianity have had similar effects upon Africans and Indians. Both have been blessings and curses. Via America a group of Africans/Indians have been able to be a part of the best Nation in our current world, through America some of the greatest acts of evil have affected these same African/Indian people. Via Christianity our people have been in contact with the creator through Yeshua, at the hands of Christians our African/Indian people have died, lost land, and been enslaved. Both America and Christianity were a the core of this issue that the country faced with Dr. Wright's statements.

 

As Christians and as Americans my parents have faced the difficulties and opportunities with a fortitude I admire. When I consider what people who considered themselves to be Christians have done to others and when I consider what Americans have done to others I've often wondered why I am so proud to called a Christian and an American. I must say it's because of the models I've had with my parents. Civil Rights & Civil Rage now seem to be the Christian and American way.

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Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. They specialize in debt reduction, investments, and insurances. Seko is in high demand as a special events DJ and owns an event marketing service. Seko has diverse background in business, counseling and education. He has been real estate agent, a school counselor, a teacher, and an Intensive In-Home Counselor. Seko is active with numerous Youth Mentorship programs and has a background in radio and television. Visit www.HappilyEverAfter.Be or call 757-248-3820 for more details.

The incredible, edible, superfood ! -Chris Otto

What's up Freedom Seekers,

It's a great day !

      Summer is finally coming to a close and things are starting to change - it's getting cooler outside...sort of... the leaves are turning... and everyone is changing gears, getting ready for the new season. And when it comes to your fitness, it's also a great time to change up your workout routine and shake things up with your diet. That's why today I'd like to bust a common myth that will hopefully create a change in the way you view a certain "bad" food. In fact, adding this one food to your diet could have a lasting and positive effect on your well-being!

Stay Fit,
Chris Otto
Body RescYou Virginia Beach's Premier
Health & Fitness Expert

How Could This Be A Superfood!?

It seems that with every decade that passes, some poor food group gets villainized.

Carbs... fats... even proteins have been on the "naughty" foods list at one time or another - a direct result of the current fad of the times.

But there's one food in particular that's received SO much bad press, that even today most people avoid eating it.

In fact, most people would probably have fast food before they eat this one food. The irony, of course, is that science is showing us how this one lonely food is perhaps one of the best "superfoods" out there, based on all the health benefits it can provide. Better yet, this particular food is dirt cheap! What is it? None other than the "incredible, edible" egg! Yes folks, there are volumes of research that suggest eating WHOLE eggs (that means yolk and all!) is actually good for your health. Here are just a few of the benefits:

Keep your vision sharp: Whole eggs are a rich source of lutein and zeaxanthin - two carotenoids that are proven to protect your vision and ward off cataracts and age-related macular degeneration. In fact, a study in the Journal of Nutrition found that eating just one egg a day can significantly increase blood levels of these two eye-saving carotenoids - without affecting your cholesterol levels. [1]

Reduce inflammation: Inflammation has been linked to numerous diseases, including heart disease, cancer, arthritis and more. And guess what eggs can do... you guessed it - they can help reduce inflammation! It turns out that the choline in eggs can help reduce inflammation by up to 20%, based on the findings of a research paper in the American Journal of Clinical Nutrition. [2] Apparently, the choline in eggs helps improve neural connections and can help the body create new cell membranes.

Lose weight: Who knew! - Eggs for breakfast when dieting can help you shed the pounds. A study in the International Journal of Obesity took two groups of people and put them on a diet. The only difference is that one group got two eggs for breakfast, while the other group got a bagel (of an equal amount of calories to the two eggs). The group that ate the eggs for breakfast lost 65% MORE weight! [3] 'Nuff said.

Build a stronger body: McMaster University did a study on eggs and how they affect muscle growth. What did they find? Even just 5 grams of egg protein after your workout can help improve muscle recovery and growth (for maximal results, the study found that 20g of egg protein is ideal). Listen, eggs are cheap. And given the health benefits, you should seriously consider adding them to your everyday diet.

If you have any cholesterol concerns, be sure to check with your doctor first. There is a growing body of evidence to suggest that eggs themselves do not contribute to elevated serum cholesterol or heart disease. But assuming you're otherwise healthy, whole eggs can be a great part of your calorie-controlled diet... so eat up! I make eggs a part of my everyday nutrition! There are just so many ways to cook them, you'll never get bored.

Oh and by the way, if you're serious about taking your overall health and fitness to the next level before the year ends, why not take advantage of your FREE Fitness Consultation? (an $87 value). During this consult, you'll receive detailed information on how to get fit and trim that's tailored to YOUR body. There's no obligation and it's totally and completely free. To sign up, click here

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Let's be improved ! Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agent. This team began in 2010 and is coached by WFG's Team Unstoppable. Seko also has ownership in and works with Positive Vibes DJs and the event marketing service Happily Ever After.Be. Seko has a background in counseling and special education. He was employed for 14 years with Portsmouth City Public Schools (Virginia) as a counselor and as a teacher. Seko has also worked as an Intensive In-Home Counselor for over 10 years. In addition to his business ventures Seko is active with numerous Youth Mentorship programs and has a background in radio and television media. Visit http://www.HappilyEverAfter.Be for more details.

Protect your heart - Chris Otto

What's up Freedom Seeker? How's it going!?

Only a few short days until Fall is officially here. And with a change in season usually comes a change in your lifestyle... whether it's spending more time indoors, being a lot busier with work and family, or simply just getting into a different routine. In today's article, there's something I think you need to add IMMEDIATELY to your daily routine, no matter what changes might be taking place. It just may save your life...
Stay Fit, Chris Otto Body RescYou
Virginia Beach's Premier Fitness & Fat Loss Expert
chrisotto@bodyrescyou.com

Protect Your Heart From Disease And Disaster 
No muscle in your body works harder than you heart. That's why you should always strive to take good care of it! What's the best way to do that? Well, I'm sure you've already had it pounded into your head that working out and eating right are the first two major steps to protecting your 'ticker.' No surprise there, right? But here's something you probably haven't heard: A simple essential mineral can practically "bulletproof" your heart against disaster (and disease). I'm talking about magnesium. This little mineral does SO much for your body. And now research shows it can do WONDERS for your heart.

So what exactly can this commonly overlooked mineral do for you? A study in the American Heart Journal found that magnesium is incredibly effective at slashing the risk of sudden cardiac death. In fact, the researchers found that folks with high amounts of magnesium circulating in their bloodstream are 41 percent less likely to die of a sudden heart disaster. [1] But that's not all... A study published in the Journal of Hypertension links low magnesium levels to the development of heart disease (the formation of plaque on the inner lining of your arterial walls). [2] On the other hand, if you get plenty of magnesium, you're in luck. The University of Virginia School of Medicine studied over 7,000 men for 30 years.

After the long study, researchers concluded that the intake of dietary magnesium is associated with a significantly reduced risk of coronary heart disease. In fact, the men in the study that had the lower intake of magnesium had a 50-100 percent GREATER chance of developing heart disease than those with higher intakes.[3] Bottom line? Get your magnesium! The USDA reports that 68 percent of Americans don't get enough - and that's just for the basic Recommended Daily Allowance (RDA) for magnesium. Even the National Institutes of Health Office of Dietary Supplements (ODS) states that "...many people may not have enough body stores of magnesium because dietary intake may not be high enough.

Having enough body stores of magnesium may be protective against disorders such as cardiovascular disease and immune dysfunction." Magnesium is not only important to protect your heart - it's involved in over 300 biochemical reactions in the body. It helps maintain normal muscle and nerve function, keeps bones strong, and even keeps your heart rhythm steady. Magnesium supplements are so commonplace, you can probably find it at your local grocery store. Start off with 200mg a day. Taking too much may have a laxative effect. Other than that, there are no reported dangers according to the National Institutes of Health. [4] You can also get your daily quota of magnesium by eating plenty of legumes (beans) and dark, leafy vegetables like spinach and kale. So make sure to get your daily magnesium "fix" to give your heart the best protection it deserves.

And by the way ... if you're serious about taking your overall health and fitness to the next level, why not take advantage of your FREE Fitness Consultation? (an $87 value) During this consult, you'll receive detailed information on how to get fit and trim that's tailored to YOUR body. There's no obligation and it's totally and completely free.

To sign up, click here

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Let's be improved ! Seko Varner is the lead recruiter for Positive Vibes Financial, a World Financial Group team of financial services agent. This team began in 2010 and is coached by WFG's Team Unstoppable. Seko also has ownership in and works with Positive Vibes DJs and the event marketing service Happily Ever After.Be. Seko has a background in counseling and special education. He was employed for 14 years with Portsmouth City Public Schools (Virginia) as a counselor and as a teacher. Seko has also worked as an Intensive In-Home Counselor for over 10 years. In addition to his business ventures Seko is active with numerous Youth Mentorship programs and has a background in radio and television media. Visit http://www.HappilyEverAfter.Be for more details.

Sunday Schooled - My father is now my ancestor

3 years ago ! Ashee, ashee, ashee. For three years the memory of my father, and his crossing the bar into ancestor-ship brought pains to my stomach, tension in my voice, and very often uncontrollable tears.
Today I rejoice that he is home, or closer to his home in Glory.... Tears, pains, and all. May the almighty be praised. May my father's memory and legacy continue to be a blessing. May his 'ancestorship' remain a blessing. May my mother's heart heal. As Luther said...... "Dear Lord she dying, to dance with my father again." - Seko Varner 09/22/2012

'Sunday Schooled' is a collection of blog posts from Seko Varner's former blogs. This original post is dated 09/25/2009 a few days after Seko's father died. Originally posted here: http://drivingmrdaddy.blogspot.com/2009/09/my-father-is-now-my-ancestor.html   

Dr. Rev. Samuel Lee Varner: Sunrise 10/19/1937. 
Sunset 09/22/2009.
9.22.2009 I was awoken suddenly at 1:37 a.m. I couldn't determine what awoke me. I couldn't immediately return to sleep. 10 minutes or so later I was snoring. At 1:51 a.m. I'm awakened by a phone call. I hear my mother's muffled voice crying hysterically. My sister in-law then appears on the line saying "Seko, Papi's gone. He's gone."

I couldn't breathe......... "Are you saying that he's dead ? Is that what you're saying ?" hoping that Dad was moved to another room in the Rehab' Center. Life nudged me and I fought back throwing the telephone receiver at the mirror shocking my wife awake. "What, what is it Seko ?" I couldn't answer........Too busy screaming.......Too busy crying.....I wanted to break everything in sight. I ran out of the room yelling and grabbed a lamp on the way out hurling it towards the window. Rhonda's trying to calm me down while I run down the stairs and out of the house screaming. "Don't drive, don't get in the car" she begged as I ran down the streets of my neighborhood. I had to get somewhere where I couldn't break anything else. Finally I fell to my knees on a patch of grass near the main street. After a while I sobbingly returned to my house, dried my eyes, and gathered myself........ Until I looked into the worried face of my 7 year old daughter. The look on her face weakened me as I fell to the floor crying and trying to catch my breath. I couldn't look at my son, I didn't want to make eye contact with him as I couldn't be a strong supportive father at this moment in time. I hated that he saw me completely floored and unable to control myself. I tried to breathe to calm myself but I couldn't. I felt as if I lost the reason to breathe.






Eight hours ago I returned from an anniversary trip to New Orleans with my wife of twelve years. I planned to see Dad as soon as I returned, but became wrapped up in seeing a few counseling client's instead thinking that I'd be able to see Dad tomorrow. Tomorrow never came, tomorrow will never come. Enroute to the nursing home to hold the lifeless hand of my father I sent the text: "My father is now my ancestor."

Seko Benjamin-Eric Varner, 09/22/2009
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Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. They specialize in debt reduction, investments, and insurances. Seko is in high demand as a special events DJ and owns an event marketing service. Seko has diverse background in business, counseling and education. He has been real estate agent, a school counselor, a teacher, and an Intensive In-Home Counselor. Seko is active with numerous Youth Mentorship programs and has a background in radio and television. Visit www.HappilyEverAfter.Be or call 757-248-3820 for more details.

How much do you need to save for retirement? - Clark Howard

I'm a big fan of Clark Howard, Dave Ramsey, and Michelle Singletary (obvious bias for Michelle..eye-candy). While listening to Clark the other day he noted that Fidelity has a new way of guiding people into the the amount they need to "retire with dignity" (As Dave Ramsey says). I wish I would have listened to this particular show a day earlier as I met with a couple the night before to prepare their retirement planning. As I noted that they might need to save 10% - 15% of their current take home pay to be able to have a similar or possibly higher amount of income from their retire-investments they both glazed over in the eyes. "We haven't done that, how do we know how much we need ?" was their question. We began to complete a full analysis just to answer that question. We still have work to do. Then the next day I hear Clark Howard share his recent find from Fidelity Investments (who handles one of my 401-K accounts) which easily provides an answer to that couples question. Here is the simple approach from Fidelity. To "Retire with dignity...."

• By 35, save 1x gross annual salary
• By 40, save 2x gross annual salary
• By 45, save 3x gross annual salary
• By 50, save 4x gross annual salary
• By 55, save 5x gross annual salary
• By 60, save 6x gross annual salary
• By 67, save 8x gross annual salary

Here is the link to the full post by Clark Howard:

http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/fidelity-issues-new-guidelines-about-how-much-save/nSDFY/

  

Keep in mind to keep your retirement planning diversified. In addition to putting 6% in your company's matching 401-K plan, be sure to fully fund a Roth-IRA (if you qualify) and consider a 7702 plan as both the 7702 plan and the Roth IRA are financial products that do not currently face taxes on the growth of the investments.With 401-K and similar plans one will pay taxes on the seed and the growth of the investment. If you are not preparing for your retirement, it's never to late. Contact or obtain a financial planner, contact me if you feel comfortable, or I can refer you to another financial planner in the United States. Be ye' prepared !

Seko

Enjoy a lil' Michelle !
http://www.youtube.com/watch?v=MCvdS8aKhTM

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Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. They specialize in debt reduction, investments, and insurances. Seko is in high demand as a special events DJ and owns an event marketing service. Seko has diverse background in business, counseling and education. He has been real estate agent, a school counselor, a teacher, and an Intensive In-Home Counselor. Seko is active with numerous Youth Mentorship programs and has a background in radio and television. Visit www.HappilyEverAfter.Be or call 757-248-3820 for more details.

15 Years ! I can't believe she's still with me.

This post is a bit self serving ! Today serves as the 15th anniversary of my marriage. I can't believe she's still with me. Here's to 15 more !
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Let's be improved !
Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. This team specializes in debt reduction, investments, and insurances. Seko is in high demand as a special events DJs and owns the event marketing service Happily Ever After.Be. Seko has diverse background in business, counseling and special education. He has been real estate agent, a school  counselor, a teacher, and an Intensive In-Home Counselor. In addition Seko is active with numerous Youth Mentorship programs and has a background in radio and television media. Visit http://www.HappilyEverAfter.Be for more details.

Your ol' pal bellyfat talking - Chris Otto

Hey there,
This is your ol' pal bellyfat talking.
Now I know that might sound a bit weird.... And I've never contacted you by email before. But this is an emergency and I was worried enough to learn how to type.

We sure had a great time this summer didn't we? Lots of good times, great food, and plain ol' sitting around eating and drinking too much.

Here's the deal. I'm considering sticking around for another year or so if you don't mind. You don't mind do you? However you might need to get a bigger pair of pants or dress size to accommodate my expansion down here.

But do me a favor, avoid that metabolic resistance training you were thinking of doing.

Please just hear me out and don't do anything crazy...

The last time you tried that stuff I nearly had to evacuate the premises. It got so hot down here I was like the wicked witch of the west "I'm melting, I'm melting!" I think they heard me all the way back in Oz.

Instead, stick to that slow, boring, useless cardio stuff.Yeah, I may get a little hot down here and break a mild sweat, and the ol' brain up there thinks it's getting in a real "burner," but it's never enough to melt ME outta here.

Look, we've been friends for such a long time. We're used to each other. Hell, we're GREAT together! How many times have your friends poked me with an index finger and said "Hey chubbs!"? You know you giggled like the pillsbury doughboy! And it wasn't just an act to save your feelings.

You and me -- we're Pleasantly Plump! I give you your shape. I keep you warm on those cold winter nights. I jiggle when you run, and you know that gives you extra momentum. It's a scientific fact. Trust me, I understand these things.

You can't imagine your life without me. I know you tried some crazy diet stuff before, but thank my twinkies it didn't work. And I forgive you for trying to evict me.

Well it sure was good catching up with you. I'm sure we'll be in touch more often, as long as you stay away from that metabolic resistance training stuff that's guaranteed to put me out on the street...

Especially that new 21-Day Xtreme Fat Loss Challenge that everyone is raving about.

Sounds Hot. Too Hot.

Me no likey Xtreme Fat Loss workouts.

Brings tears to my eyes whenever I even hear a mere whisper about that 21-day challenge and all the belly fat that's burned. Hell, it's fried more fat than the cook at your local Waffle House joint.

So again, if you want to keep me, your dear old belly fat, around for another year and another summer, don't register for the 21-Day Xtreme Fat Loss Challenge. - otherwise, its all over friend, and you can kiss me goodbye. Gosh I hate goodbyes. **sad face**

Belly fat says do not register for this 21-Day program.

Your pal and faithful spare tire,

Belly fat, your BF-BFF
(Belly Fat Best Friend Forever)

PS - Seriously, don't even think about registering for the 21-Day Xtreme Fat Loss Challenge.

...unless you want to see me, Thunder Thighs, Jigg Lee, Man Boobs, Arm Fat, and Luv Handles pack our bags and hit the road jack.

It will be a teary eyed fair well, and you'd be stuck with a tight, toned, midsection, gorgeous glutes, toned arms, and do you know how much attention you would get from the opposite sex?

Who the heck needs it, I say.

But if YOU do, you can get it here with the 21-Day
Xtreme Fat Loss Challenge.

Down right crazy if you ask me.

PPS - Don't do what this guy and gal did.

They used Metabolic Resistance Training (or what I like to call Flash Point Training) to kick their belly fat to the curb. Now please go get some more of that good ol' comfort food like meatloaf, mashed potatoes, and some really cheesy Mac N' Cheese. "mmmmmm nom-nom-nom-nom...

Register for the 21-Day Xtreme Fat Loss Challenge right here:

21-Day Xtreme Fat Loss Challenge
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Chris Otto, NSCA-CPT

757-639-6133
www.bodyrescyou.com

PS -- If you liked today's comedic email, please fwd this on to any of your friends, family, co-workers, or anyone you feel would enjoy it.

Body RescYou, 5353 Commons Court, Virginia Beach VA, 23462© 2012 All rights reserved.

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Let's be improved ! Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. This team began in 2010 and is coached by WFG's Team Unstoppable. Seko also has ownership in and works with Positive Vibes DJs and the event marketing service Happily Ever After.Be.

Seko has a background in counseling and special education. He was employed for 14 years with Portsmouth City Public Schools (Virginia) as a counselor and as a teacher. Seko has also worked as an Intensive In-Home Counselor for over 10 years. In addition to his business ventures Seko is active with numerous Youth Mentorship programs and has a background in radio and television media. Visit html://www.HappilyEverAfter.Be for more details.

Sunday Schooled - First feelings of Fatherhood

The 1st Feelings of Fatherhood
'Sunday Schooled' is a collection of blog posts from Seko Varner's former blogs. This original post is dated 09/06/2008 while Seko's father was alive. Originally posted here: http://daddyvarner.blogspot.com/2008/09/first-feelings-of-fatherhood.html 
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Roman calendar June ninth in the Christian year 2000. This was a Friday morning. I'd secretly call him Kofi (male child born on a friday) and he would be known as "Trooper" for the first seven days of his life. The hospital recorded him as Baby Varner. Weeks prior the staff at the hospital shared with me and the expectant Wifey that a child had to have a name prior to leaving the hospital. I told her than it wasn't the tradition of my culture to name the child upon birth. She asked me what my culture was. I said 'Pan-African' (I had to come up with something, I wasn't prepared for that question). I then asked her if she would have this conversation with me if she thought I was Jewish. She admitted that if she thought I was Jewish she wouldn't have asked for the name prior to birth. Seventeen months later as the Wifey and I had our pre-delivery session at the hospital the hospital staff smiled at me when she omitted the section for the child's name saying "You'll name the child in seven days right...?"

The first time I held my child was marvelous, magnificent, and truthfully ............ I don't remember it. I remember doing the counter-pressure pushing against Wifey's back as she screamed bloody murder providing me with the 'natural' birth that she knew that I wanted our child to have. She was a trooper also. He came out screaming bloody murder as I fell onto my knees to worship but ended up barking like an Omega as the doctor stated "You have a son." The look on the doctors face was priceless. He didn't know what to think of me in earlier sessions and today I'm in the Grand Buba that I wore at my nuptials, and that I plan to be buried in barking loudly. The family was in the room outside the delivery room and they came rushing in after I scared the Doctor and delivery staff excited awaiting the newest VArner child. My brother Daniel videotaped the whole event, he almost fainted when the son came through the delivery canal. On the video that he captured you can see the baby's head pop though and then Daniel says "Oh my God" and the camera lens goes from the delivery scene to the ceiling with the sound of a thud as his head hit the wall. That day: I remember pouring libation and praying, thanking God for a safe delivery and a son. I remember taking him to the nursery and I remember how he wouldn't stop crying in the hospital room. I don't remember touching my son. I know I cut his umbilical cord. I know I changed his diaper. I know I fed him. I know I cleaned him. I know I wrapped him in swaddles. I just don't remember holding him.

This became important to me as I was watching "City of Men", the Brazilian film of one of the worst areas in Brazil. During the film a depiction of the nurse encouraging the father to hold the child for the first time. He was afraid. I had held and guided children for over 15 years prior to this day...... I was afraid too. What struck me the most was while watching this movie I realized that I can't remember holding my son for the first time. Seventeen months later I don't remember holding my daughter for the first time. Now the son is eight and the daughter is six and I'm about 50 pounds heavier and I hold them as often as I can. I perform "the blessing of the head ritual" everyday as they prepare to board their bus. I ask God to "bless their head so that they may think of you, bless their face so that they may face you, bless their eyes so that they may seek you, bless their noses so that they may breathe your spirit, bless their mouths so that they may speak of you, bless their ears to that they may hear you, and bless their shoulders to carry your cross." As I finish this the son and I try to punch each other leaving a religious/sentimental moment with a fun filled macho guy touch. The blessing of the daughter's head ends with a big huggie and blown kisses. I may not remember the first touches, but I'm ensuring that they will remember the embraces we shared. Hopefully those embraces will mean as much to them as they mean to me.

My first fatherly feelings: Struggling for cultural continuance, feeling the resistance as the wifey pushed them through, feeling a reason to worship, feeling as reason to express joy, and then fear........... Thanks Almighty, we bless your presence.
Seko
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Let's be improved ! 

Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. We are able to held reduce debt, make better use of income, and invest for the best results. Seko also has ownership in and works with Positive Vibes DJs and the event marketing service Happily Ever After.Be. Seko has a background in counseling and special education. He was employed for 14 years with Portsmouth City Public Schools (Virginia) as a counselor and as a teacher. Seko has also worked as an Intensive In-Home Counselor for over 10 years. In addition to his business ventures Seko is active with numerous Youth Mentorship programs and has a background in radio and television media. Visit http://www.HappilyEverAfter.Be for more details.

Making Your Retirement Assets Last - Anna Prior

I recently read this article written by Anna Prior from the Wall Street Journal. This article was very timely as I've recently worked with three mature clients who didn't plan for retirement and will face some very tight days ahead. In all of these recent cases I unfortunately had to advise them to leave their retirement plans alone for 5 to seven years to be able to earn the money needed to for their golden years. Here is article in it's entirety. The link to the original article is:

http://finance.yahoo.com/news/making-retirement-assets-last-040100480.html

Read it. Then contact me, or your trusted financial planner to make sure that you are prepared !

Seko VArner
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Making Retirement Assets Last

By Anna Prior | The Wall Street Journal – Fri, Sep 7, 2012

It's a retiree's nightmare: outliving the assets in a retirement portfolio.
Between historically low interest rates dragging on fixed-income yields and uncertainties about taxes, not to mention the threat of future inflation and volatile markets that send skittish investors seeking shelter, retirees who are living longer are finding it challenging to keep their portfolios up to speed.
Recent calculations from the Employee Benefit Research Institute show that roughly 44% of those born between 1948 and 1978—baby boomers and Generation X—won't have adequate retirement income, and that is assuming interest rates go back up in 2014. But the current environment is weighing even on those heading into retirement with what seems like a tidy sum.
Retirees need an efficient plan of attack to squeeze all the juice out of their portfolios, ensuring they have sufficient assets for their golden years. Here are some strategies:

Retirees should map out a budget for necessities—include everything from housing to food, transportation, health expenses and utility bills—and set aside a chunk of a portfolio for these costs.
Many planners suggest putting funds to cover three to five years' worth of expenses into safe and liquid vehicles, so the retiree has cash on hand, even if the market drops.
"That way you don't have to liquidate in a down environment," says Marty Leclerc, portfolio manager for Barrack Yard Advisors in Bryn Mawr, Pa.
Even though money-market funds are returning basically nothing, funds earmarked to be used within three years should go into these instruments, says Michael Gibney, a financial planner in Riverdale, N.J. "There is no reason to put money that will be used within a short time period at risk," he says.
For five-year time frames, look to add in a short-term bond fund or certificate of deposit to gain a little more yield, he says.

With many people living well into their 90s, retirees need to think carefully about how to protect themselves from running out of money in their later years.
(Longevity calculators that factor in your family history and current health can be found at websites such as gosset.wharton.upenn.edu/mortality and livingto100.com.)
Some financial advisers say retirees should consider long-term-care insurance as a hedge against the future cost of nursing-home care, which has the potential to decimate even hefty nest eggs.
With 70% of people over age 65 running into some type of health problem that could necessitate some form of long-term care, it's a big expense that many retirees initially forget about in planning, says Robert Stammers, director of investor education for the nonprofit CFA Institute.

Critics say long-term-care policies can be pricey and may have limits on the benefits they pay out, so retirees need to make sure they understand what they are getting before buying. The average annual cost of such a policy for a 57-year-old single individual is about $1,900, while a couple of the same age would pay about $2,500, according to the American Association for Long-Term Care Insurance, an industry trade group. Annuities are another long-term planning tool that can provide a steady stream of income in later life, and a relatively new type of annuity known as longevity insurance is gaining in popularity.

Longevity insurance is similar to an immediate annuity in that it allows holders to take a lump sum and convert it into a lifelong income stream. It is different in that it requires policyholders to pick a date in the future to start getting that income, typically at age 85, says Christopher Jones, chief investment officer at investment adviser Financial Engines Inc.

This guarantees a retiree won't outlive a portfolio, some advisers say, plus delayed payments are typically larger than those from annuities that allow policyholders to start collecting money immediately.
"It takes a problem that has this uncertain length and turns it into a certain horizon," says Mr. Jones.
Advisers warn against falling victim to traditional wisdom: Portfolio protection through conservative investing in retirement could actually do more harm than good.


With bonds not generating enough income, "the math is scary," says Mr. Leclerc. "Retirees need a lot more money than they ever thought they would to produce simple income."
Retirees looking to generate more yield may be tempted to buy long-term bond funds, but advisers warn against locking in an investment now that could be disastrous when interest rates eventually start to rise. When rates rise, prices fall, so your principal would take a hit.

"So-called safe assets are paradoxically not safe right now," says Mr. Leclerc.
Some advisers suggest intermediate-term bond funds as a way to help mitigate interest-rate risk, while still getting more yield than what's available from short-term bond funds.
See additional numbers from Financial Engines on possible retirement spending amounts, based on an initial $100,000 nest egg. 

 

Keep the duration at about five years, says Mr. Gibney, and look for low expense ratios and a well-diversified portfolio to keep default risk low.
As a category, intermediate bond funds returned an average 5.5% in the first eight months of this year, according to researcher Morningstar Inc.
Although inflation hasn't strayed far from the historical average of 3.2% annually in recent years, advisers says retirees can't ignore this "silent killer."

"When clients come in, it isn't the first five to 10 years that projections look bad, it's the second half of their retirement where they get beat up," says Frank Fantozzi, a Cleveland-based financial adviser.
To protect themselves, retirees should add to their portfolios multiple types of assets that can keep up with or even beat rising costs. Still, many advisers maintain that the best way to combat inflation in a well-diversified portfolio is by investing in equities.

"It's the only asset class that will give them returns greater than inflation," Mr. Gibney says.
Real-estate investment trusts, or REITs, can be an inflation hedge, but advisers say retirees should be cautious about which parts of the real-estate market they invest in.
"Focus on the most stable, high-quality corporate tenants," says Tim Lee, managing director of Monument Wealth Management in Alexandria, Va.

Market volatility can be nerve-racking for retirees, prompting some to flee to ultraconservative investments.
To iron out some of the big ups and downs—and therefore quell some of the urges to swing too far to "safety"—some advisers recommend constructing a diverse portfolio that includes a slice of alternative investments, including nontraded REITs, which are similar to traditional REITs but don't trade on exchanges, managed futures, which are futures positions entered into by professional money managers on behalf of investors, and long/short funds.

"Alternatives can help control risk because they don't tie or correlate well with fixed income and equities," says Mr. Fantozzi, who suggests putting 5% to 20% of a portfolio into alternative investments, depending on market conditions.

Long/short funds, for example, employ trading strategies similar to those used by hedge funds, simultaneously betting for and against a set of stocks. In a sideways market, these funds can be useful, says Mr. Fantozzi.
It's a particularly difficult time for tax planning, given the uncertainty surrounding next year's tax rates. Still, there are things retirees can do now to keep portfolio withdrawals as tax-efficient as possible.
The required minimum distributions that most retirees have to start taking at age 70½ are based partly on the plan's account balance as of the preceding December. To reduce that total balance—and potentially the required minimum distributions later on—some retirees might want to start taking withdrawals in their 60s.
This is especially true for early retirees who are currently in lower income brackets because of a recent job loss or forced retirement, says Michael Eisenberg, a certified public accountant in Los Angeles.
Still, it's not a simple decision. Each year, retirees need to weigh the consequences of pulling funds from one account versus another.

In a taxable account, net long-term capital gains are taxed at a rate lower than the ordinary income-tax rate for withdrawals from tax-deferred retirement plans.

Be aware that taking money out of a retirement account or selling securities at a sizable taxable gain—rather than pulling cash from a certificate of deposit, money-market fund, savings or checking account—could result in higher taxes on Social Security benefits if it bumps income above a certain threshold.
"When you reach a certain level of income, then some of your Social Security becomes taxable," says Mr. Eisenberg.
Ms. Prior is a reporter for Dow Jones Newswires in New York. Email her at anna.prior@dowjones.com.

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Let's be improved ! 

Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. This team began in 2010 and is coached by WFG's Team Unstoppable and Team Tenacious. Seko also has ownership in and works with Positive Vibes DJs and the event marketing service Happily Ever After.Be. Seko has a background in counseling and special education. He was employed for 14 years with Portsmouth City Public Schools (Virginia) as a counselor and as a teacher. Seko has also worked as an Intensive In-Home Counselor for over 10 years. In addition to his business ventures Seko is active with numerous Youth Mentorship programs and has a background in radio and television media. Visit html://www.HappilyEverAfter.Be for more details.