Sunday, February 25, 2018

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With this President in office along with the recent changes to the Tax Scam Plan that give benefits to the wealthy, while punishing the poor, many can already tell there’s something muddy in the waters.  There are many financial gurus advising that American should take this time to sow, save, and take advantage of any plans where its possible to build wealth.  With this President and this administration, the future seems unpredictable.

Unfortunately, America is an Instagram influenced culture.  Too many people trying to look rich and too many people not thinking long-term when it comes to savings.  Here are 10 interesting things to know about Americans and their savings:

1. 50% of Americans have $0 put away for retirement

2. 35% of All Adults have less than Several Hundred Dollars in a savings account

3. Only 15% of Americans have over $10,000 stashed away


4. American’s biggest financial mistake is not saving early enough for retirement

5. Experts claim the following is what we should have saved by age:

20 years old: 25% of your overall gross pay

30 years old: Save the equivalent of your annual salary

35 years old: 2 Times your annual salary should be saved

40 years old: 3 Times your annual salary should be saved

45 years old: 4 times your annual salary should be saved

50 years old: 5 times your annual salary should be saved

6. Suze Orman thinks it is ridiculous to have a 3-6 month emergency fund because it takes many people much longer to find a new job if they get laid off.  Orman suggests having 8-12 months of living expenses saved in an emergency fund.

How to save more money: Ask for a raise, get a side hustle, start a home business and set daily savings goals – even if its just $5 a day

7. There was an article on CNN titled, “11 Signs You Will Be A Millionaire”,  a few of those signs:

Having specific goals for your money, Having multiple streams of income, Being Decisive, and Thinking Big

8. Economists claim that families are starting to spend more now that the economy is better, but they are still not saving.  It’s called The Wealth Effect

“the low savings rate may be a sign that Americans are simply feeling good about their financial lives. As a rule, families tend to spend more when stock prices and home values are rising, since they feel richer. “

9. According to, the average American owes:

$15,654 in Credit Card Debt (Total $905 Billion)

$173,995 in Mortgage Debt (Total $8.74 Trillion)

$27,669 in Car Debt (Total $1.21 Trillion)

$46,697 in Student Loan Debt (Total $1.36 Trillion)

$131,000 in Various Other Debt (Total $12.96 Trillion)

10.  Most Americans believe they do not earn enough money.  Over 60 % of Americans surveyed believe, to feel comfortable, they would need an additional $6,000 per year


Source: The Slate , CNBCNerd Wallet, NewsWeek

Syllabus Magazine, the Carolina's source for Music, Culture and Fashion

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What ever happened to one of our Carolina heroes, our black girl that rocked, our very own American Idol  – Candice Glover? We saw her win the title, however we did not see her career take off like Kelly Clarkson, Fantasia, or Carrie Underwood?  We already know her voice is a force to be reckoned with, and she slayed season 12 of the show, so where’s the album and where is Candice?

From right around the corner, here in Beaufort, South Carolina, Candice beat out the best and brightest talent from around the country.  She killed every performance and we watched each episode knowing that in the end, she would take the crown!  When she won, folks hurried to preorder the album, just to make sure they showed support for this new, upcoming Idol.  This is where it was proven that record labels and management companies can make or break a career due to their carelessness.

In an interview with NBC News, Candice describes what happened:

Syllabus Magazine, the Carolina's source for Music, Culture and Fashion

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For too long hip-hop has been in love with a stripper. It’s been decades that hip-hop didn’t love these hoes. It’s been far too long that hip-hop never chased a bitch. It appears as if we are finally entering into an era where hip-hop isn’t afraid of talking about real love. Of course we’ve had rappers like Common, who’s made plenty of hip-hop music expressing his love and appreciation for women, but rappers like Common were few and far for most of the hip-hop era.

However, now it seems like love is in the air; and not only love, but commitment; which was never a common theme in hip-hop.  Today, there seems to be a meeting of the minds when it comes to couples, marriage and love. With stories like Remy and Papoose, a man that waited six years for his wife to return home from prison. To Keyshia Ka’Oir and Gucci Mane, a woman who also waited for her man to return home from behind bars; and not only did she wait but she took a bag, flipped it, and tumbled it. 444 was one of the biggest albums of 2017, and it was Jay Z’s declaration to Beyonce of how he almost lost her, and the mistakes he made as a man.  Now, we have Offset and Cardi B, hip-hop’s young prince and princess, who recently displayed their love for each other when Offset proposed to Cardi B in front of thousands at a recent concert.

At one point we thought that Reverend Run was the only happily married man in the genre, but we have now reached an era where rappers are not ashamed to say they’re in love. Rappers seem to be basking in the joy of having one woman and declaring themselves as a one-woman-man. Hip-Hoppers seem to be enjoying having that beautiful woman they can show off by their side.  And I say, “bout time”!

It’s about time that the genre grows up! Now don’t get me wrong, we are always going to have the misogynistic lyrical content that has plagued the hip-hop genre for generations.  We are always going to have those men who swear that machismo means not giving a f*ck about a girl, but let’s celebrate the A-list rappers who are not ashamed to show love; not ashamed to commit themselves to that one woman. So has hip hop evolved? Have we reached a point where hip hop has finally matured? Well, we can’t celebrate just yet.  I don’t believe that long gone are the days when women are believed to be useful for nothing else besides being the objects of sexual desires of a male hip-hop star. But, let’s celebrate these wins; let’s celebrate that some of the biggest rap stars of this current era are men who are successful, in love, and not afraid to let the world know.

For too long the disrespect of women in the hip-hop culture has influenced an entire generation of young men.   While our generation has bopped to being “in love with a stripper” and “women ain shit but hoes and tricks”, its high time that women are placed on a pedestal – especially since, black women have been some of the biggest supporters of the hip-hop genre. With the help of artists like Jay-Z and 2 Chainz, there’s a chance to influence a new generation of hip-hop fans about the regard for women. For this, I say we should be happy that hip-hop is maturing as rappers have matured, and as the industry matures. I mean Jay-Z was the guy that said he had, “99 problems but a bitch ain’t one” back in 2003. Obviously from the sounds of the 444 album, his problems with Beyonce were placed on center stage for the world to see, and it was a beautiful thing. (I’m not saying Beyonce’s a bitch, but you know what I mean). We are now at a point where women are actually being celebrated. They’re calling black women Queens, they’re being called wives.  There are even conversations now questioning whether or not the black woman is God?  Now although I may not agree with all of this, I appreciate the fact that there are some men who want to put us on the level of God – even though we ain’t quite there.

So let’s enjoy seeing Chance the Rapper spend time with the mother of his child and their daughter. Let’s celebrate J Cole and his college sweetheart, and the fact that they’re still together. Instead of being so bitter when we see Kendrick Lamar and his high-school sweetheart, let’s share the story of how she not only sang the background vocals on a few of his songs, but how she has supported his dream since they were children! Let’s share these stories, let’s celebrate the real love and hip-hop.




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Instagram user Terrance Sims (@simsstrong) posted a music video telling everyone to go and check out his students’ first music video.  These young ladies are rapping about education and positivity in their debut track titled, “Excellence First”- and they got bars for days!  If you thought First Day Out was hot, then you’re gonna love this fire! Check it out below!

Syllabus Magazine, the Carolina's source for Music, Culture and Fashion

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BET hosted another long-awaited Hip-Hop Award show last night. While Cardi B won “Best New Artist”, Kendrick took home the “Album of the Year” award, and of course DJ Khalid won “Best Collaboration” with his hit Wild Thoughts, featuring Rihanna; let’s just skip the remaining details for now and get right to the BET cyphers  – since those seem to be the highlight each year.

While Rapsody, Tokyo Jetz, Kash Doll, and Leikeli47’s delivered a mean cypher representing the ladies, the cyphers were filled with political punchlines and phrases letting the world know that hip-hop is paying close attention to the political climate in this country.  CyHi, Fat Joe and Belly’s presentation was only the beginning of punches thrown at our President.  There was one cypher fans had been anticipating all night that kept music lovers on the edge of their seats – the return of Eminem.  Marshall Mathers, one of the most unpredictable MC’s in hip-hop graced the BET cypher last night and by the time he spit his last bar – Twitter was in shambles.  Eminem came out with guns blazing and delivered a hip-hop kamikaze to Donald Trump; and we LIVED for every bar!

Racism’s the only thing he’s Fantastic Four

Cause that’s how he get’s his fuckin rocks off , cause he’s orange

Yeah , sick tan.  That’s why he wants us to disband,

cause he can not withstand

the fact we’re not afraid of Trump. 

Fuck walking on egg shells, I came to Stomp

That’s why he keeps screaming drain the swamp

cause he’s in quicksand

It’s like we take a step forward then backwards

but this is his form of distraction

plus he gets an enormous reaction

When he attacks the NFL so we focus on that and

Instead of talking Puerto Rico or Gun reform for Nevada

All these horrible tragedies and these *sic* would rather

Twitter storm with the Packers….

That first part was just a warm-up.  Eminem continued spitting nothing but hardcore facts:


Same shit that he tormented Hillary for 

and he slandered , then does it more

From his endorsement of Bannon

support for the Klansmen

Tiki torches in hand

From the soldier that’s black 

and comes home from Iraq

and still gets told to go back 

to Africa.  Fork and a daggar

and his racist 94 year old grandpa

keeps ignoring our past, historical, deplorable factors

He continued on with his war of words to discuss how Trump looks at black athletes as if they’re spoiled brats, trying to use their platforms and stature to speak out against the unarmed killing of black men and women.  Em also recognized Trump’s hypocrisy mentioning McCain being a POW and how Trump stated,  “doesn’t like his war-heroes captured. – THAT’S NOT DISRESPECTING THE MILITARY!

Slim Shady’s ended his four and a half minute lyrical marathon by sending shots to any of his fans who may be supporters of Donald Trump:

Any any fan of mine,

who’s a supporter of his

I’m drawing in the sand a line

You’re either For or Against

And if you can’t decide

who you like more in your split

on who you should stand beside

I’ll do it for you with this…

Fuck You


Eminem’s closing words on his 2017 cypher was that “we love our military, we love our country – but we HATE TRUMP”!

See Eminem’s Cypher in its entirety here:

Syllabus Magazine, the Carolina's source for Music, Culture and Fashion



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