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NFL star Malcolm Jenkins is working to bridge the ethnic wealth gap by giving kids real money to invest

NFL star Malcolm Jenkins is working to bridge the ethnic wealth gap by giving kids real money to invest
via Wikimedia Commons and Goalsetter

America's ethnic wealth gap is a multi-faceted problem that would take dramatic action, on multiple fronts, to overcome. One of the ways to help communities improve their economic well-being is through financial literacy.

Investopedia says there are five primary sources of financial education—families, high school, college, employers, and the military — and that education and household income are two of the biggest factors in predicting whether someone has a high level of financial literacy.

New Orleans Saints safety, two-time Super Bowl Champion, and social justice activist Malcolm Jenkins and The Malcolm Jenkins Foundation hope to help bridge the wealth gap by teaching students about investing at a young age.

"It's projected that by 2053 that African Americans will have on average a negative net worth, with Hispanics being right behind," Jenkins said according to the Philadelphia Inquirer. "How do we begin to chip away at that? The earlier you can get kids focused on saving money and investing and understanding how to make money, the better off you are."

So Jenkins and his foundation are giving $40 investment account deposits to 1,000 students in Pennsylvania, New Jersey, Ohio, and Louisiana. The Ogontz Revitalization Corporation will donate an additional $10 per student, bringing the total to $50.

The accounts are run by Goalsetter, a Black-owned family banking, and financial literacy app.

The students will not be able to withdraw the funds until they are 18 but can add to them all they like. In addition to the ability to save and invest, the Goalsetter App offers an engaging way for kids to learn about money.

The app provides five years of financial literacy tools, kid-friendly educational games, and fun quizzes.

via Goalsetter

There's no better way to learn about a subject than by doing. Which, when it comes to finances, can be nearly impossible if you're underprivileged. These accounts give kids the ability to watch their financial seeds grow over the years and create a habit of saving that will hopefully last throughout their lifetimes.

"Malcolm is saying, 'I want you to know that this is for the long term. You're going to be saving for your future because you do have a future and it's a future that we're going to help to prepare you for,' " Tanya Van Court, founder, and chief executive of Goalsetter, said.

Jenkins believes that financial literacy shouldn't aim for stability but go the extra mile and focus on building wealth.

"I was always taught that if you work hard and that if you save your money that that creates financial freedom and financial stability, and that's not how it works," Jenkins told The Philadelphia Inquirer.

"That's not how you gain freedom. It comes through investing. It comes in making good decisions. It comes from estate planning. Life insurance," he continued. "All of these different financial tools that are out there to create wealth for people. It's really about creating that education as early as possible so you create the next generation of financially stable people."

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Health

Conflict expert shares the 1 phrase you can use to stop an argument from happening

It'll make people agree with you, too.

via Canva/Photos

A guy having a collaborative conversation.

The quickest way to stop having a constructive dialog with someone is when they become defensive. This usually results in them digging in their heels and making you defensive. This can result in a vicious cycle of back-and-forth defensive behavior that can feel impossible to break. Once that happens, the walls go up, the gloves come off and resolving the situation becomes tough.

Amanda Ripley, author of “High Conflict: Why We Get Trapped and How We Get Out,” says in her book that you can prevent someone you disagree with from becoming defensive by being curious about their opinion.

Ripley is a bestselling author and the co-founder of Good Conflict, a media and training company that helps people reimagine conflict.

How to have a constructive conversation

Let’s say you believe the room should be painted red and your spouse says it should be blue. Instead of saying, “I think blue is ugly,” you can say, “It’s interesting that you say that…” and ask them to explain why they chose blue.

The key phrase is: “It’s interesting that you say that…”


conversation, arguments, communication tipsPeople coming to an agreement. via Canva/Photos

When you show the other person that you genuinely care about their thoughts and appreciate their reasoning, they let down their guard. This makes them feel heard and encourages them to hear your side as well. This approach also encourages the person you disagree with to consider coming up with a collaborative solution instead of arguing to defend their position.

It’s important to assume the other person has the best intentions while listening to them make their case. “To be genuinely curious, we need to refrain from judgment and making negative assumptions about others. Assume the other person didn’t intend to annoy you. Assume they are doing the best they can. Assume the very best about them. You’ll appreciate it when others do it for you,” Kaitlyn Skelly at The Ripple Effect Education writes.

Phrases you can use to avoid an argument

The curiosity approach can also involve affirming the other person’s perspective while adding your own, using a phrase like, “On the one hand, I see what you’re saying. On the other hand…”

Here are some other phrases you can use:

“I wonder if…”

“It’s interesting that you say that because I see it differently…”

“I might be wrong, but…”

“How funny! I had a different reaction…”

“I hadn’t thought of it like that! For me, though, it seems…”

“I think I understand your point, though I look at it a little differently…”


conversation, arguments, communication tipsTwo men high-fiving one another.via Canva/Photos

What's the best way to disagree with people?

A 2016 study from Yale University supports Ripley’s ideas. The study found that when people argue to “win,” they take a hard line and only see one correct answer in the conflict. Whereas those who want to “learn” are more likely to see that there is more than one solution to the problem. At that point, competition magically turns into collaboration.

“Being willing to hear out other perspectives and engage in dialogue that isn’t simply meant to convince the other person you’re right can lead to all sorts of unexpected insights,” psychologist and marketing Professor at Southern Methodist University tells CNBC.

In a world of strong opinions and differing perspectives, curiosity can be a superpower that helps you have more constructive conversations with those with whom you disagree. All it takes is a little humility and an open mind, and you can turn conflict into collaboration, building bridges instead of walls.

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Democracy

Big study finds conservatives are happier, but liberals enjoy this aspect of life more

The way we see the world has a significant effect on our psyche.

via Jeremiah Schultz/Flickr and Miki Jourdan/Flickr

Some Trump supporters and a Harris voter.

Identifying as a liberal or conservative means a lot more than simply voting Democrat or Republican. These views stem from a difference in worldview and values and they significantly affect how satisfied we are with our lives.

Generally speaking, American conservatives believe the political system is fair and provides a stable foundation for people to pursue their dreams. They also value tradition, stability, conformity and safety. American liberals, on the other hand, are concerned about the political system's fairness and are more comfortable with ambiguity, nuance, diversity and new experiences.

This difference is evident in the places where liberals and conservatives choose to live. You’re much more likely to find liberals residing in metropolitan areas full of diversity and culture. In contrast, conservatives prefer rural areas that are culturally homogeneous and steeped in traditional values.


conservatives, liberals, studiesA farmer and his hay.via Canva/Photos

Who’s happier, conservatives or liberals?

Multiple studies, including a new one published in the Journal of Personality, have found that happiness and meaning are more associated with conservative views because they believe in the system and are satisfied by hard work.

The Journal of Personality is the American Psychological Association’s top-ranked peer-reviewed journal on personality and social psychology.

“Across six studies, we largely replicate earlier findings that happiness was associated with slightly more political conservatism,” the researchers wrote. “Happiness was also associated with system justification, or the tendency to see the current political, economic, and societal systems to be fair and defendable. Meanwhile, meaning in life was consistently associated with Protestant work ethic, or the view that hard work will lead to success in life.”

Why are conservatives happier than liberals?

Simply put, conservatives believe that America is a meritocracy where anybody who works hard can make it, giving them a sense of happiness. This also means that they feel less responsible for those who do not make it because they believe it is due to their own choices or a lack of work ethic.

However, liberals are more likely to think that the system isn’t a meritocracy because there isn’t an equal playing field for women, people of color, those with disabilities, immigrants, or people who are born into economically disadvantaged families. The feeling that you live in an unfair world, whether you are a member of a privileged group or not, can create a sense of constant unease.

So, it makes sense those who think the system is fair are happier than those who do not.

conservatives, liberals, studiesA couple protesting for free healthcare.via Elvert Barnes/Flickr

How are liberals different from conservatives?

On the other hand, the researchers found that liberals live a much more psychologically rich life than conservatives, mainly because they are more open to new experiences. Liberals are likelier to live abroad, experience different cultures and read fiction. The researchers note that liberals are much more open to broadening their perspectives than conservatives and see it as an opportunity for personal growth. Conservatives may see new experiences as threatening to their safety or traditional beliefs.

The study makes an interesting point: People who believe they live and work in a fair system are bound to be happier than those who feel it’s unjust. However, it also shows that those who value tradition and stability highly may miss out on much of the richness life offers.

“We are not claiming that a psychologically rich life is by any means better than a happy life or a meaningful life,” the researchers concluded. “Indeed, it is clear that a happy life and a meaningful life are desirable lives, associated with stable social relationships, prosocial behaviors, and health.”

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Modern Families

Do you have a "living room family" or a "bedroom family"?

This 'debate' is all the rage on TikTok. But one is not better than the other.

alexxx1915/TikTok

TikTok user alexxx1915 recently posted a short video with the caption: "I just learned the term 'living room family' and I never understood why my kids never played in their rooms when I always did as a kid."

She briefly shows her kids hanging out in the living room with their pet dog and some toys scattered around the floor, before panning to her own face and giving a sort of sentimental look. The simple, ten-second clip struck a huge nerve with parents, racking up over 25 million views and thousands of heartfelt comments.





@alexxx1915

#livingroomfamily #fypシ

What are "living room families" and "bedroom families"?

This idea has been going around for a while on social media.

Simply put, a living room family is a family that congregates in the living room, or any common space in the household. Kids play in the same space where the adults relax — and things are often messy, as a result. Everyone interacts with each other and spends lots of time together. Bedrooms are reserved mostly for sleeping and dressing.

A bedroom family, on the other hand, is where the kids spend more time in their rooms. They play there, watch TV, and maybe even eat meals. Typically, the main rooms of the house are kept neat and tidy — you won't find a lot of toys scattered about — and family time spent together is more structured and planned ahead rather than casual.

"Living room families" has become the latest aspirational term on TikTok. Everyone wants to be a living room family!

The implication of being a bedroom family, or having 'room kids', is that perhaps they don't feel safe or comfortable or even allowed to take up room in the rest of the house, or to be around the adults.

"I remember my brother coming round once and he just sat in silence while watching my kids play in livingroom. After a while he looked at me and said 'It's so nice that your kids want to be around you'" one commenter said on alexxx1915's video.

"I thought my kids hated their rooms 🥺 turns out they like me more" said another.

"You broke a generational curse. Good job mama!" said yet another.

There's so much that's great about having a family that lives out in the open — especially if you were raised feeling like you had to hide in your room.

In my own household, we're definitely a living room family. We're around each other constantly, and the house is often a mess because of it. Learning about this term makes me feel a little better that my kids want to be around us and feel comfortable enough to get their 'play mess' all over the living room.

The mess is a sign of the love and comfort we all share together.

But the big twist is that it's also perfectly fine if your kids — and you! — like a little more solitary time.

boy playing with toys on the floorGavyn Alejandro/Unsplash

Being a 'bedroom family' is actually perfectly OK.

There's a similar discourse that took place last year about living room parents vs bedroom parents. The general consensus seemed to be that it was better to be a living room parent, who relaxed out in the open versus taking alone time behind closed doors.

But it really doesn't have to be one or the other, and neither is necessarily better.

Making your kids feel relegated to their room is, obviously, not great. It's not a good thing if they feel like they're not allowed to exist in and play in the rest of the house.

But if they just like hanging out in their room? Nothing wrong with that at all! And same goes for parents.

Alone time is important for parents and kids alike, and everyone needs different amounts of it to thrive.

Kids with certain special needs, like being on the autism spectrum, may be absolutely thrilled to spend lots of time in their rooms, for example.

So are you a living room family or a bedroom family? Turns out, it doesn't really matter, as long as your family loves each other and allows everyone to be exactly who they are.

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Community

People share small acts of kindness that can be used every day, and some are brilliantly simple

Being spatially aware has a surprisingly profound effect.

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Small actions lead to big movements.

Acts of kindness—we know they’re important not only for others, but for ourselves. They can contribute to a more positive community and help us feel more connected, happier even. But in our incessantly busy and hectic lives, performing good deeds can feel like an unattainable goal. Or perhaps we equate generosity with monetary contribution, which can feel like an impossible task depending on a person’s financial situation.

Perhaps surprisingly, the main reason people don’t offer more acts of kindness is the fear of being misunderstood. That is, at least, according to The Kindness Test—an online questionnaire about being nice to others that more than 60,000 people from 144 countries completed. It does make sense—having your good intentions be viewed as an awkward source of discomfort is not exactly fun for either party.

However, the results of The Kindness Test also indicated those fears were perhaps unfounded. The most common words people used were "happy," "grateful," "loved," "relieved" and "pleased" to describe their feelings after receiving kindness. Less than 1% of people said they felt embarrassed, according to the BBC.


So, maybe with kindness, we need to put our social anxieties away and act without overthinking (to a certain point, of course). Perhaps it’s best to find the simplest actions we can commit to on a daily basis, rather than formulating some grandiose gesture.

Reddit user u/tacoabouttoeat asked the online forum “what’s a small act of kindness that literally anyone can do/practice everyday?” and people gave some brilliantly simple ideas.

Here are eight easy-to-accomplish crowdsourced answers that might bring us one step closer to a more peaceful world:

1. Be aware of your surroundings.

reddit

It takes zero effort.

Giphy

“Either move with the flow of traffic or get to the side if you have to situate yourself.” – @JoeMorgue

2. Use headphones when taking public transport.

jimmy fallon

A tune we can all groove to.

Giphy

“If you don’t have them - you can go 20 minutes without making excessive noise while sharing a small space with other people.” – @cynthiayeo

3. Give compliments.

abbott elementary

Does anyone not like feeling appreciated? Anyone?

Giphy

“If you have a charitable thought about someone, even a stranger, say it out loud to their face. It is free, it is easy, and it might be the best thing that has happened to that person all week. Nothing creepy or overtly sexual or flirty, just kind words. ‘That shirt is really your color! Your haircut is beautiful. I appreciate your help, you were a real lifesaver!’ It doesn't cost you anything and it means the world to the people you are talking to.” – @Comments_Wyoming

4. Hold doors open for people.

how to be kind

An instant warm welcome no matter where you are.

Giphy

“Makes a big difference in one's day.” – @sconnie64

5. Don’t act on “road rage."

acts of kindness

Be like bond. Keep it cool.

Giphy

“After several years of commuting I came to the realization that with a few exceptional days, I always got home at the same time. Regardless of how many people ‘cut me off’ or drove too slowly and whatever. I started to just ‘go with the flow’ and always let people in when needed, always give extra room, and just enjoy my music/podcast. Life changing.” – @CPCOpposesAbortion

6. Have patience.

happier

You never know what someone is going through.

Giphy

“You never know what someone else is going through. Could be a breakup, their dog just died, granny finally made it to heaven, or maybe mom just broke the news that she's got end stage cervical cancer and has weeks left to live. You never know, so be patient. After all, wouldn't you want someone to be patient with you?” – @mamalion12

7. Thank the people you live with for taking care of things around the house.

happiness

No, thank YOU for the "thank you."

Giphy

“It doesn’t have to be over the top, but everyone feels better about doing chores when it is noticed and appreciated. ‘Thanks for folding my laundry’ or ‘thanks for always keeping track of our bills, you’re awesome at managing money!’” – @Mrshaydee

8. Leave a place you visit just a little bit nicer than when you found it.

pursuit of happiness

Your future self will thank you for it.

Giphy

“Pick up a piece of litter at the park. Give that mat with a pucker ready to trip someone a little tug to get it to lay flat in the business you're at. Let an employee know when you spot a leaky dairy product on the shelves so they can deal with it. Return someone else's grocery cart.” – @BlueberryPiano


This article originally appeared on 10.4.22

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Music

Why John Lennon's son performed 'Imagine' for the first time after swearing he never would

"Within this song, we’re transported to a space, where love and togetherness become our reality, if but for a moment in time."

via Julian Lennon/YouTube and Wikimedia Commons

John and Julian Lennon both performing "Imagine."

In 1971, a year after the break-up of the Beatles, John Lennon released his most important piece of music, the song “Imagine.” The song is an appeal to humanity’s better angels and urges the listener to "join us" in visualizing a world without war, hunger or greed.

The song provides a glimmer of hope in that if we can visualize a perfect world, then maybe one day it will be achievable. Over the past 50 years, the song has become a secular hymn that can conjure hope in the aftermath of the most tragic events. The song was played by Queen at Wembley Arena after Lennon was murdered in 1980. Steve Wonder sang it at the closing ceremonies of the 1996 Olympics to honor the lives of those lost at the Centennial Olympic Park bombing. Neil Young played it at the 9/11 Tribute to Heroes concert.

“Imagine” is also seen as Lennon’s signature song that encapsulates his artistic persona. No small feat given the earth-shattering effect the songs he wrote with the Beatles have had on the world.

Given the song’s incredible power, Lennon’s son Julian vowed never to perform it in public. Julian has had success as a musician over the years, most notably with his 1984 hit, “Too Late for Goodbyes.” He’s also a philanthropist who has produced numerous documentaries.

The war in Ukraine pushed Julian to break his vow and he performed a beautiful rendition of “Imagine” as part of Global Citizen’s social media rally, “Stand Up For Ukraine” on April 8. The campaign is working to raise money for the war-torn country.

Julian was accompanied for the performance by guitarist Nuno Bettencourt, who is best known as the lead guitarist of the Boston rock band Extreme and a member of Rihanna's touring band.

"The War on Ukraine is an unimaginable tragedy... As a human, and as an artist, I felt compelled to respond in the most significant way I could," Lennon wrote. "So today, for the first time ever, I publicly performed my Dad’s song, IMAGINE. Why now, after all these years? — I had always said, that the only time I would ever consider singing ‘IMAGINE’ would be if it was the ‘End of the World’…But also because his lyrics reflect our collective desire for peace worldwide.

“Because within this song, we’re transported to a space, where love and togetherness become our reality, if but for a moment in time… The song reflects the light at the end of the tunnel, that we are all hoping for…" he continued.

via Wikimedia Commons

“As a result of the ongoing murderous violence, millions of innocent families, have been forced to leave the comfort of their homes, to seek asylum elsewhere,” Lennon concluded his message. “I’m calling on world leaders and everyone who believes in the sentiment of IMAGINE, to stand up for refugees everywhere! Please advocate and donate from the heart. #StandUpForUkraine.”

Lennon’s decision to never play “Imagine” was a wonderful way to honor his father’s legacy by respecting the power of his song. But John would probably be proud if he knew that he sang it at a time when we all need to imagine “all the people living life in peace.”


This article originally appeared on 4.12.22

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