Amazon.com Review
From Publishers Weekly
Copyright 1991 Reed Business Information, Inc.
From Library Journal
– Joseph R. Rudolph Jr., Towson State Univ., Md.
Copyright 1991 Reed Business Information, Inc.

Our Money Matters /\ July 29, 2016
A weekly snapshot of African American owned public companies and HBCU Money™ tracked African stock exchanges.
NAME TICKER PRICE (GAIN/LOSS %)
African American Publicly Traded Companies
Citizens Bancshares Georgia (CZBS) $7.37 (1.73% DN)
M&F Bancorp (MFBP) $3.30 (0.00% UNCH)
Broadway Financial Corporation (BYFC) $1.77 (1.14% UP)
Radio One (ROIA) $3.12 (0.95% DN)
African ETFs
Global X MSCI Nigeria (NGE) $4.51 (1.74% DN)
Market Vectors Africa (AFK) $20.85 (2.06% UP)
African Stock Exchanges
Bourse Regionale des Valeurs Mobilieres (BRVM) 289.36 (0.67% UP)
Botswana Stock Exchange (BSE) 9 840.37 (0.13% DN)
Ghana Stock Exchange (GSE) 1 796.29 (9.96% DN)*
Nairobi Stock Exchange (NSE) 142.39 (N/A)
Johannesburg Stock Exchange (JSE) 52 797.58 (0.91% DN)
International Stock Exchanges
New York Stock Exchange (NYSE) 10 785.51 (0.38% UP)
London Stock Exchange (LSE) 3 653.83 (0.07% UP)
Tokyo Stock Exchange (TOPIX) 1 322.74 (1.20% UP)
Commodities
By Jasmine Oliver
As a creative, it is inevitable that at some point in our career one of our close friends will either approach us for help with their project, or we will see how our skill sets could benefit their situation.
These can be tense situations to handle as there is more than just money on the table, a friendship is at stake as well.If these situations aren’t handled properly, you could lose a client and a close friend.
But it doesn’t have to be that way.
One of the biggest mistakes that can ruin friendships and your business is volunteering your work for free. While we have the best intentions and want to help our friends, we are doing them an injustice if we don’t charge for our services.
If you’re a graphic designer looking for real-life advice and long-term success, The Graphic Designer’s Guide to Clients by acclaimed designer Ellen Shapiro is the book for you. Not only does she reveal the secrets behind getting the clients you want to recognize your name and brand, but she also discusses how to land those clients and create a positive and productive working relationship with them.
When you volunteer your work for free, you are putting that project at the bottom of your priority list.
Paying your bills will always come before doing free work for a friend.
Despite your good intentions, when times get tough you will end up pushing their project aside to get money in the door.
When you don’t charge your friends, you are disrespecting them and their business. This grave mistake has personally cost me several friendships over the course of pursuit to being a freelancer.
Every time I volunteered my work with true genuine intentions of helping the other person, but as paid clients picked up I had to prioritize my time on what was going to pay the bills.
Ultimately, my friends felt disrespected. They became very upset that I pushed their project aside and our friendship has never been the same ever since.
Never work for friends for free, its not worth it.
Approaching friends as potential clients can be an awkward thing. Sometimes you may see a friend who could desperately benefit from your services.
But how do you approach them? Instead of thinking of approaching your friends as ‘trying to make a sale,’ try to think about it this way.
If you can really provide value to your friend, then you would be doing an injustice to them by not offering to help them. Never look at friends as just a source of income, only work with them if you truly believe you can benefit their situation.
BAHHHH!!!! This part is hard, especially when dealing with friends that you even consider family. I know. I get it. Trust me. When working with friends, it is essential that you keep things professional. You must treat your friends with the same professional care that you use on all of your other clients.Go through the same process and handle them just like you would with any other client.
Getting loose or unprofessional about the process with your friends is a quick way to bring uncertainty and doubt which can hurt the project and the friendship.
Talking about the money, honey. Talking about the details with friends can be weird at first. As a result, many freelancers totally avoid this topic and end up with a loose scope or awkwardly dance around the money subject.
Instead of avoiding the topic, you need to face this head on and make sure everything is clear up front.
An easy way to do this is through e-mail. Having the money talk with a friend over the phone can be quite awkward, but doing it via e-mail tends to make it a bit less scary.
Whenever I send over my budget and proposal via e-mail I always give my friend the option out. I will say something along the lines of “If this project is out of your budget range, then no worries. I value our friendship more than this project and I won’t be offended if you say no.”
While that may not be the best sales tactic, it is essential in preserving the friendship.
Another struggle for many friends is that working together can often mean that many once great friendships begin to diverge into a constant talk of the project at hand.
Set boundaries.
If you are out one evening having a good time, make it a rule to keep your work stuff out of the conversation. Or you can schedule regular work calls and keep those focused exclusively on the project at hand so that the rest of your life can go as normal.
Setting boundaries helps keep your friendships intact as the project moves forward.
Often friends can’t always afford to work with each other, but a trade of services may be something to consider.
Personal training in exchange for marketing.
Food in exchange for web design.
Accounting in exchange for business coaching.
Trade arrangements aren’t a bad thing, but the key is to make sure that you still structure those deals just like you do with any paid project.
Set clear expectations as to what each party will receive and put it in writing.
With trade agreements it is easy for one person or the other to feel cheated or undercompensated for their time. Get clear about what is being traded so that both parties feel equally compensated.
Working with friends as clients can be an enjoyable and profitable process. But you must handle these relationships with care because it is more than a project on the line, your friendship is at stake as well.
Jasmine Oliver is the creator behind VYRL CO. DESIGN. It is here that you will find a catalog of what inspired me, the struggles of growing as a creative and the joys, a place to share travels, and explore the journey of pursuing a beautiful and fulfilling life as a graphic/web designer and commercial photographer. This rerun is with the consent of Vyrl Co. Design and may not reproduced otherwise. Visit her blog by clicking here.
Winner of the 2015 FT & McKinsey Business Book of the Year Award
A New York Times Bestseller
Top Business Book of 2015 at Forbes
One of NBCNews.com 12 Notable Science and Technology Books of 2015
What are the jobs of the future? How many will there be? And who will have them? We might imagine—and hope—that today’s industrial revolution will unfold like the last: even as some jobs are eliminated, more will be created to deal with the new innovations of a new era. In Rise of the Robots, Silicon Valley entrepreneur Martin Ford argues that this is absolutely not the case. As technology continues to accelerate and machines begin taking care of themselves, fewer people will be necessary. Artificial intelligence is already well on its way to making “good jobs” obsolete: many paralegals, journalists, office workers, and even computer programmers are poised to be replaced by robots and smart software. As progress continues, blue and white collar jobs alike will evaporate, squeezing working- and middle-class families ever further. At the same time, households are under assault from exploding costs, especially from the two major industries—education and health care—that, so far, have not been transformed by information technology. The result could well be massive unemployment and inequality as well as the implosion of the consumer economy itself.
In Rise of the Robots, Ford details what machine intelligence and robotics can accomplish, and implores employers, scholars, and policy makers alike to face the implications. The past solutions to technological disruption, especially more training and education, aren’t going to work, and we must decide, now, whether the future will see broad-based prosperity or catastrophic levels of inequality and economic insecurity. Rise of the Robots is essential reading for anyone who wants to understand what accelerating technology means for their own economic prospects—not to mention those of their children—as well as for society as a whole.
Our Money Matters /\ July 22, 2016
A weekly snapshot of African American owned public companies and HBCU Money™ tracked African stock exchanges.
NAME TICKER PRICE (GAIN/LOSS %)
African American Publicly Traded Companies
Citizens Bancshares Georgia (CZBS) $7.15 (5.46% UP)
M&F Bancorp (MFBP) $3.00 (6.80% DN)
Broadway Financial Corporation (BYFC) $1.76 (1.68% DN)
Radio One (ROIA) $3.13 (0.69% UP)
African ETFs
Global X MSCI Nigeria (NGE) $4.55 (5.01% DN)
Market Vectors Africa (AFK) $20.08 (0.20% UP)
African Stock Exchanges
Bourse Regionale des Valeurs Mobilieres (BRVM) 288.89 (0.24% UP)
Botswana Stock Exchange (BSE) 9 925.96 (0.08% DN)
Ghana Stock Exchange (GSE) 1 780.45 (10.75% DN)*
Nairobi Stock Exchange (NSE) 138.52 (N/A)
Johannesburg Stock Exchange (JSE) 53 005.22 (0.06% UP)
International Stock Exchanges
New York Stock Exchange (NYSE) 10 805.04 (0.43% UP)
London Stock Exchange (LSE) 3 643.80 (0.29% UP)
Tokyo Stock Exchange (TOPIX) 1 327.51 (0.89% DN)
Commodities