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Leonerd Kirk
Attends Strayer University
Lived in Kandahar, Afghanistan
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Leonerd Kirk

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I sure hope President Obama speaks at the memorial services for Alton Sterling and Philandro Castile.

#WaitAndSee
The President, First Lady, Vice President, and Second Lady join the Dallas community in a service to honor the five fallen police officers.
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Leonerd Kirk

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After listening to Drake new album, Spongebob be like...
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Leonerd Kirk

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Ok, kidos, pull up a chair. It's been a while since I've schooled you so today I wanna take time and get you caught up to speed on The Federal Reserve System (also called, "The Fed"). The Fed is a largely unknown entity by the average person, yet it has the greatest impact on your money than anyone else. In today's "Learning with Leonerd" session, I'm going to get you up to speed on The Fed and how the latest FOMC meeting affects you.

"So first up, who is The Fed?"
The Federal Reserve System, aka "The Fed," is the government agency that is responsible for the country's monetary policy (which differs from fiscal policy, but that's a different lesson). Janet Yellen is its Chair, or leader. Their big three responsibilities are to maximize employment in the country, maintain stable prices and to govern long-term interest rates.

"Ok, so why are you just now bringing them up?"
The Fed has a Federal Open Market Committee (FOMC) that meets periodically throughout the year. When they get together, the make decisions about where the country is and where they think the country should be and then they make a plan to reconcile the two. On 16 and 17 June, the FOMC and made a decision regarding monetary policy that affects you and me, so we might as well learn about it.

"So then, what did they say?"
Quite a few things. The full decision is linked to this post, so I'll just hit a few points:

"Growth in household spending has been moderate and the housing sector has shown some improvement..."

This means that consumers (you and me) are spending money and driving the economy forward but we're not spending more or less now than previously. This isn't a bad thing although, as the FOMC and other regulating and oversight bureaus see it, it's not the most ideal situation for the economy.

"Inflation is anticipated to remain near its recent low level in the near term, but the Committee expects inflation to rise gradually toward 2 percent over the medium term as the labor market improves further and the transitory effects of earlier declines in energy and import prices dissipate..."

The Fed influences interest rates as a way to affect prices (like what we pay for goods) and employment (interest rates affect consumers and businesses alike). Presently, interest rates are near-zero (a fraction of a percent), which is a historic low. Despite this, however, The Fed is expecting for economic conditions to become more favorable in the medium term and allow for interest rates to begin to rise.

"To support continued progress toward maximum employment and price stability, the Committee today reaffirmed its view that the current 0 to 1/4 percent target range for the federal funds rate remains appropriate."

Although The Fed believes that they will eventually raise the interest rate, for now, they've decided that keeping the rates low, between zero and 0.25%, is the appropriate thing to do.

"So what does all this mean for me?"
As we've learned, interest rates are not going to get any lower than they are now. In fact, in the medium term, we know that they're going to go up. This means that the interest rates for personal and small business loans, mortgages and more are going to be offered at a higher rate than what they are now (and if you don't have a fixed-rate mortgage, then you interest rate may go up as well). This will make it harder for some to receive loans as well as making it harder for some to pay loans. This also means that the interest rates on savings accounts and other "positive" forms of interest will go up as well. This will make it easier to save for those who do (and you do save money, right?). So, raising the interest isn't necessarily a completely good or completely bad thing.

All in all, if you're in a position where you need to exercise your finances (such as an entrepreneur who needs a small business loan, someone looking to responsibly establish credit with a credit card, take out a home loan or more), there's no better time to do so than now. As you know, interest rates can only go up and it'll be harder to these things once the rates are raised. If you find yourself on the other side (you have bonds that are close to maturing, you don't have fixed-rate loans or more), take this information as a cautionary tale and start making a plan for how to address the interest rates rising.

#LearnWithLeonerd #FOMC #TheFed #Federal #Reserve #System #Yellen
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Leonerd Kirk

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I'm a big fan of +Lifehacker​, especially their in - depth articles (how to teach your kids about money, how to deal with the death of a loved one, etc.) I would love to see how an article about How to Relocate for a Job would turn out. It could be something like a continuation of the piece they write on How to Find a Job in a New City. There's a lot of different things to cover (financially, emotionally, whether or not one has a family, etc.) and I'm curious to see what they would focus on.

#idea
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Leonerd Kirk

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ATLiens, yall be careful out there. The areas in and around Atlanta are really stepping their police presence up. For example, Morrow is trying to hire about 24 police as soon as they can.

Be careful, I don't wanna see any of you in the news.

#WarnOthers #BeSafe #LivingWhileBlack #Atl #GreaterAtlantaArea #WereAllWeHave
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Leonerd Kirk

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+Strayer University​ made a terrible decision to move the start date of the Summer Quarter from a Monday to 1 July, a Wednesday. Many students have already made plans for a two-week rest period and now have to scramble to change plans or just miss part of the 1st week of the new quarter. Additionally, because of the shift, the 1st week has been shortened 21% from Monday to Sunday to Wednesday to Sunday.

This seems like an unnecessary amount of stress to place on students, many of whom are working professionals. For a University that aims to cater to working professionals, this seemingly arbitrary decision comes off as a great misstep.

#Strayer #Summer #WhatWereYouThinking
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I feel ya. .I'm back at strayer again for my 5th degree and i got all kinds of emails today saying. .HOMEWORK IS STILL DUE THE 5TH EVEN THOUGH CLASS STARTS THE 1ST ...I'm not trying to do homework over the holiday. .I'm good. .I'll knock it out at work lol
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Leonerd Kirk

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She just rocked the room:

"If you white folks would like to be treated like this country treats blacks, then stand... Oh, no one's standing? That means you know what's going on. You don't want it for you, so why are you letting it happen to someone else?"

I gotta say, she made a hell of a point.

https://www.instagram.com/p/BHk462yAogX/
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For all my lovely women blessed by God w hips, ass, thighs and more.

Source: reddit
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Leonerd Kirk

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Being an obviously black male, I come from obviously black parents and an obviously black family. What's not so obvious about us is that in our family, we span all the shades of Black (and may have even invented a couple while at it). We have the Blurples, Coal Kids, Cornbread Crusts, Brownie Boys, High Yellas, Light Brights, Pilsbury Dough Girls, Clear-Colored Cuties and beyond. Because our family was so encompassing, we didn't grow up hearing/saying phrases like, "she's cute for a dark-skinned girl," or "he'd be more handsome if he was lighter."

But I've come to learn that I and my family are the unfortunate exception to the conventional experience. Just about every other Black person I know was raised to know about the Light-skinned/Dark-skinned War. Even further, most of them have chosen "sides" and tenaciously defend it with the fervor of defending one's home or car. And what's worse is that through words and deeds, they pass this ideology on to their progeny who develop it further and further. Already unacceptable phrases like, "She's Light-skinned, so you know her forehead is big" have developed into, "she's too bright to be pretty" with an ideology to support it. Young Black kids are growing up believing that they're "too dark" to be attractive.

Whether light, dark or somewhere in the middle, the reality of the situation is that you're still Black. It's not like one's specific shade of Black will grant a pass on paying taxes or board a plane first. Putting one another down for being on the same team is uncomprehensibly childish and going so far as to fight or shame someone else doesn't help the Black Community as a whole. Black people often call for unity, but until we realize that we're all on the same team, we're doing more than spinning our wheels.
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Amen nephew. 
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Leonerd Kirk

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Same reason the cops are rarely convicted and black victims are treated worse than white criminals.
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Leonerd Kirk

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I don't care what anybody says, we're being hunted. There's way too many things going on, even this year alone, for anyone to say it's accidental or coincidental or tangential.
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It's worldwide! Look at the Dominican Republic... It's crazy
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In his circles
254 people
Have him in circles
1,260 people
Kelli Downing's profile photo
Unicity Việt Nam's profile photo
Adaeze Answers's profile photo
Tobias Roybal's profile photo
Melvin Burnes's profile photo
DIVERSION.CLUB - Videos de Risa - Humor - Diversion - Comedia's profile photo
Ben L's profile photo
Joshua Simpson's profile photo
Sorachat Phomchuen's profile photo
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Occupation
Information Assurance Security Director
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Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Previously
Kandahar, Afghanistan - Junction City, Kansas - Atlanta, GA - detroit, michigan - ft. jackson, sc - orlando, fl - Kabul, Afghanistan
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Story
Tagline
It had to be me. Someone else would have gotten it wrong.
Introduction
Multi-talented and multi-dimensional. Wanna know more? just ask.
Education
  • Strayer University
    Information Technology, 2014 - present
  • Full Sail University
    Digital Arts & Design, 2007 - 2009
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Male