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landlord references for apartment lottery and Section 8 apps help you win.

Accurate landlord addresses on applications will help you win in lotteries and waitlist selections.   It has been reported than when the landlord reference sections are blanked or when the information is incomplete, applications are being passed over.

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This information has been shared by HousingWorks, the Fenway based subsidized housing advocate. You can use HousingWorks to search and find Section 8 openings here. You will also find Waitlists opportunities there.

Go to  this product link to download our latest Affordable Housing Leads Package


Landlord References click link to download the procedure to find any ex-landlord reference.

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Bank Black movement injects cash into affordable home construction.

Link to the latest  apartment rental leads | Lotteries | affordable condo and home sales

The nation’s black-owned banks have billions of dollars in deposits collectively but its not their money. Its yours put there directly by you or  deposited by non-profits, for-profits and government agencies who have to use a bank to write and clear checks.  Your landlords may already be making monthly mortgage payments to a  black bank because many are apt to buy mortgages from primary lenders.

The OneUnited banks Massachusetts based CEO Terri Williams Cohee told a writer for NEXT CITY a majority of their  lending is multi-family housing property in low- to moderate-income communities that offer affordable rents. ]

We’ve inserted a chart below of all the black banks in the country.

BANK BLACK USA
THE BANKS' SERVICES, IMPACT, & HEALTH ARE RATED ACCORDING TO THESE GRADES
* DLI is lending, DDI is deposit services, SBL is small business loans to minority communities
BANKBLACKUSA.ORG A - Outstanding B - Above Average C - Average D - Below Average F - Failing ** CRA ratings via http://apps.occ.gov/crasearch/default.aspx
@BANKBLACKUSA O - Outstanding S - Satisfactory U - Unsatisfactory *** Health grades for banks' stability via depositaccounts.com
BANKS RANKED BY ASSETSPRODUCTS SERVICES COMMUNITY IMPACT & HEALTH
Bank InformationAccount TypeInt. Rate (APY)Min DepositHow to avoid fees/otherFeesATMsE/Bill PayService/OnlineMobileCostMobile Dep.DLI*DDI*SBL*CRA**Health***Notes
BLACK-OWNED BANKS (>50% OWNERSHIP)
1ONEUNITED | oneunited.com25K NAT.AAC $1.5K/day 85%67%1%SB#BankBlackChallenge
Established 1982E-style savings0.20% $ 100.00 $100 bal. or direct deposit $5/mo $20M #BB deposits reported
6 branches - Boston / LA / MiamiE-gold savings0.4%-0.6% $ 1,000.00 $2,500 bal. or dir. dep. $3/mo
98 EmployeesU2 E-checking (2nd chance)n/a $ 50.00 n/a $12/mo
$648M Assests E-style checkingn/a $ 100.00 $500 bal. or dir. dep. $8/mo
E-gold checking0.40% $ 500.00 $5,000 bal or dir. dep. $20/mo
BEST FOR ONLINE/MOBILE BANKINGUnity Choice Business Savings? $ 1,000.00 $1,000 combined balances $10/mo
Can open accounts onlineUnity Choice Business Checkingn/a $ 100.00 $1,000 combined balances $20/mo Change Q3'16 to Q4'16
Business accounts avail. only in CA, FL, MAUnity Small Business Checkingn/a $ 100.00 n/a n/a 646M Q3, +9M
Visa credit cardvaries secured card only FDIC No 23966
2LIBERTY | libertybank.netLIMITEDBB-TBC ? 56%94%18%OBDetroit Revitalization Loans
Established 1972Personal savings0.65% $ 50.00 $200 bal. $4/mo New Orleans after Katrina
19 branches - New Orelans / Detroit / etc.Capital asset fund0.15% $ 2,500.00 $2,500 bal. $12/mo
178 EmployeesPersonal checkingn/a $ 50.00 $500 bal. $10/mo
$617M Assests Premium checking0.15% $ 50.00 $1,500 bal. $10/mo
Corporate Savingsn/a$50 $200 bal., incl. 2 draw/mo $4/mo
BEST SAVINGS ACCOUNT RATEEnterprise checking? $ 50.00 $1,000 bal. $12/mo Change Q3'16 to Q4'16
Can open accounts onlineCorporate checkingn/a $ 50.00 n/a $12/mo 612M Q3, +13
Visa credit card~10-18% $30/yr FDIC No 20856
3CITIZENS TRUST | ctbconnect.comLIMITEDBB+TBC varies 58%100%19%OA#BankBlack leader w/ Killer Mike
Established 1921Personal savings0.05% $ 100.00 $200 bal. $4/mo CT pays back TARP funds
10 branches - Atlanta / GA / ALMoney market0.15% $ 1,000.00 $2,500 bal. $10/mo
97 EmployeesDirect checkingn/a $ 50.00 dir. dep. required n/a
$407M Assests Flat fee checkingn/a $ 50.00 n/a $10/mo
Regular checkingn/a $ 50.00 $1,000 bal. $0.30/trans.
BEST CREDIT CARD RATESPersonal interest checking0.03% $ 1,000.00 $2,000 bal. $10/mo
Can open accounts onlineCommercial savings0.05% $ 1,000.00 $100 bal. $8/mo
Business free checking (sole prop.)n/a $ 100.00 max $5,000 cash tr./mo n/a Change Q3'16 to Q4'16
Small business checkingn/a $ 100.00 $2,500 bal. $12/mo 406M Q3, -11M
Black-owned member of the Federal ReserveNonprofit checkingn/a $ 100.00 max $5,000 cash tr./mo n/a
Publicly-traded Stock: CZBSVisa credit card~8.25-10% n/a FDIC No 8033
4INDUSTRIAL BANK | industrial-bank.com55K NAT.AAC ? 69%100%18%OC+Your next big moment
Established 1934Statement savings0.10% $ 100.00 $200 bal. $3/mo $6M #BB deposits reported
8 branches - Washington DC / MDKasasa savings0.35%-0.75% $ 25.00 12 debit tr. to get interest n/a
116 EmployeesPersonal checkingn/a $ 25.00 $500 bal. $8/mo
$395M Assests Go green checkingn/a $ 25.00 dir. dep. $5/mo
Kasasa checking0.01%-2.5% $ 25.00 12 debit tr. to get 2.5% interest n/a
BEST KASASA/NOW CHECKING RATESInterest checking 0.05% $ 25.00 $2,000 bal. $10/mo
Can open accounts onlineBusiness savings0.10% $ 100.00 $500 bal. $5/mo
Enterprise checkingn/a $ 25.00 $2,000 bal. $12/mo Change Q3'16 to Q4'16
Non-profit/org checkingn/a $ 25.00 $1,000 bal. $8/mo
Business interest checking? $ 25.00 $2,500 bal. $15/mo 389M Q3, -6M
Publicly-traded Stock: IBWCCredit cardsvariesFDIC No 14679
5M&F BANK | mfbonline.comLIMITEDB-B+TBC ? 94%88%29%OA#BankBlackCharlotte
Established 1908Regular savings0.02% $ 100.00 $200 bal. $6/mo
7 branches - Durham / NCMoney market account0.04 $ 2,500.00 $5,000 bal. $25/mo
64 EmployeesGratis checkingn/a $ 25.00 n/a n/a
$265M Assests Everyday checkingn/a $ 100.00 n/a $10/mo
Interest checking0.05% $ 100.00 $2,000 bal. $12/mo
NC residents can open accounts onlinePrestige checking0.05% $ 100.00 $2,500 bal. $15/mo
Statement savings? ? ? ?
BEST BUSINESS CREDIT CARDSCommercial checkingn/a $ 500.00 n/a $14/mo Change Q3'16 to Q4'16
Nonprofit checkingn/a $ 100.00 $500 bal. $6/mo
Economy commercial checkingn/a $ 250.00 $2,500 bal. $12/mo 310M Q3, -54M
Publicly-traded Stock: MFBPCredit cards~10-15% varies FDIC No 12266
6HARBOR | theharborbank.com55K NAT.BCTBC n/a 52%86%27%SB+Community development in East Baltimore
Established 1982Statement savings0.15% $ 100.00 $100 bal. $3/mo $10M #BB deposits reported
7 branches - Baltimore / MDMoney market account? $ 2,500.00 $2,500 bal. $25/mo
68 EmployeesNo hassle checkingn/a $ 100.00 n/a $1/mo
$253M Assests NOW checking0.05% $ 1,000.00 $1,000 bal. $15/mo
Business statement savings0.15% $ 100.00 $100 bal. $3/mo Change Q3'16 to Q4'16
DMV area residents can open accounts onlineChoice checkingn/a $ 100.00 $3,000 bal. $0.3/trans. 249M Q3, +17M
Commercial checkingn/a $ 100.00 n/a $10/mo FDIC No 24015
71ST INDEPENDENCE | firstindependence.comLIMITEDCB41%100%35%SB+Kiko Davis heads Black-owned bank
Established 1970First Savings? ? ? ? UAW-Ford deposits $1.5 Million at First Independence
3 branches - Detroit / MIFirst Money Market? ? ? ? $1.7M #BB deposits reported
92 EmployeeseCampus Checking? ? ? ?
$228M Assests MMDA savings? ? ? ?
Business Savings? ? ? ? Change Q3'16 to Q4'16
Business Checking? ? ? ? 236M Q3, -1M
Must open business accounts at a branchLoans, Credit Cards, Personal Loans?FDIC No 20179
8CITY NATIONAL | citynatbank.com55K NAT.BAC $1K/ck, $1.5K/day 38%71%31%SC-Offers social CD & urban fund
Established 1973Personal statement savings0.10% $ 25.00 $250 bal. $3/mo
4 branches - Newark / NJ / NYCRewards savings (link w/ checking)0.40% $ 50.00 12 debit tr. or dir. dep. n/a
82 EmployeesRewards checkingn/a $ 50.00 12 debit tr., dir. dep. $9/mo
$220M Assests Consumer checkingn/a $ 25.00 n/a $3/mo
Super NOW checking0.05% $ 50.00 $1,500 bal. $10/mo
Can open accounts onlineBusiness savings0.10% $ 500.00 $500 bal. $3/mo Change Q3'16 to Q4'16
Small business checkingn/a $ 50.00 $500 bal. $25/mo
Must open business accounts at a branchNonprofit checkingn/a $ 50.00 $1500 bal. $10/mo 223M Q3, +17M
Credit cards~10-15% $25/yr FDIC No 21111
9ISF BANK | isfbank.com55K NAT.C+B-TBC ? 100%50%21%SB+African investment partners
Established 1934Statement savings0.15% $ 100.00 $250 bal., $500 bal. to get int. $7/mo $City of Chicago deposits $20M
2 branches - Chicago / ILStatement savings0.20% $ 100.00 $250 bal., $1,000 bal. to get int. $7/mo $4M #BB deposits reported
36 EmployeesHoliday/Vacation savings0.15% $ 50.00 $50 bal. ?
$112M Assests Free checkingn/a $ 100.00 $100 bal. any day n/a Change Q3'16 to Q4'16
Retail checking0%-0.1% $ 100.00 $100 bal. any day $15/mo
Renaissance checking (retirees/SS)? $ 100.00 $100 bal. any day $7/mo 105M Q3, -1M
Can open accounts online / by mailCar Loans6.25%-7.0%FDIC No 29399
10CITIZENS BANK | bankcbn.comREIMB.DN/ATBC ? 60%100%49%SC+Event aims to support black-owned banks
Established 1904Classic Savings? ? ? ? Coolest Black Family in America
3 branches - Nashville / Memphis / TNRegular Checking? ? ? ?
30 EmployeeseCampus Checking? ? ? ?
$107M Assests MMDA savings? ? ? ?
Business Savings? ? ? ? Change Q3'16 to Q4'16
Must open accounts at a branchBusiness Checking? ? ? ? 110M Q3, -8M
Loans, Credit Cards, Personal Loans?FDIC No 10319
11UNITY NATIONAL | unitybanktexas.com55K NAT.B-B+TBC ? 53%50%38%SBMentor at-risk youth, affordable housing
Established 1985Savings? $ 100.00 $100 bal., incl. 1 draw/mo $5/mo 20% increase in assets/deposits during #BB
2 branches - Houston / TXMoney market? $ 1,000.00 $2,500 bal., incl. 3 draw/mo $15/mo
30 EmployeesUnity advantage checkingn/a $ 100.00 $1,500 bal. or dir. dep. $7.50/mo
$102M Assests Golden unity checking (age 55+)n/a $ 100.00 $1,000 bal. $7/mo
Interest checking? $ 100.00 $1,500 bal. $12/mo
Must open accounts at a branch / by mailBusiness savings? $ 100.00 $100 bal., incl. 1 draw/mo $5/mo
Business money market? $ 1,000.00 $2,500 bal., incl. 3 draw/mo $15/mo
Opportunity checkingn/a $ 100.00 n/a $10/mo
Small business checkingn/a $ 100.00 n/a $15/mo Change Q3'16 to Q4'16
Nonprofit/Sole prop. sm. bus. checking? $ 100.00 $2,500 bal. $15/mo 84M Q3, +17M
Credit cards~10.24-15.24%FDIC No 26351
12TRI-STATE BANK | tristatebank.com/LIMITEDCBTBC ? 100%67%34%SBMLK mentioned TSB in his last speech
Established 1946Regular savings0.15% $ 100.00 $250 bal., interest for >$600 $4/mo
3 branches - Memphis / TNSpecial savings0.15%-0.20% $ 500.00 $1,000 bal. $7/mo
44 EmployeesRegular checkingn/a ? ? ?
$94M Assests Check earning NOW0.01% ? ? ? Change Q3'16 to Q4'16
Econo checkingn/a ? ? ? 102M Q3, -9M
Can open accounts online / by mailMoney market0.15% $ 2,500.00 $2,500 bal. $15/mo FDIC No 16511
13UNITED BANK | ubphila.comLIMITEDCN/A100%25%60%ODThe Community Banker
Established 1992Passbook Savings0.05% $ 100.00 $250 bal. $7/mo Fulton Financial Invests in United Bank
3 branches - Philadelphia / PAUnited Blue Savings0.05% $ 500.00 $500 bal. $7/mo
23 EmployeesUnited Blue Checkingn/a $ 50.00 $300 bal. $12/mo
$56M Assests United Blue Interest Checking0.03% $ 50.00 n/a $9/mo
Money Market0.1%-0.25% $ 1,000.00 $1,500 bal. $12/mo
Must open accounts at a branchBusiness Savings0.05% $ 1,000.00 $1,500 bal. $12/mo Change Q3'16 to Q4'16
Small Business Checkingn/a $ 500.00 $2,000 bal. $22/mo
Nonprofit Checkingn/a $ 250.00 n/a n/a
Business Checkingn/a $ 250.00 $500 bal. $17/mo 236M Q3, -1M
Secured credit card17.99% $ 300.00 $35/yr FDIC No 33568
14COMMONWEALTH | ecommonwealthbank.com4K NAT.BBTBC ? 69%100%40%SC+Black-owned bank in Mobile
Established 1976Regular savings? $ 100.00 $100 bal. $3/mo 8.21% of total lending for farm loans
3 branches - Mobile / ALDirect checkingn/a $ 50.00 ? ?
19 EmployeesChoice checkingn/a $ 150.00 ? ?
$53M Assests Money market checking? $ 1,500.00 $1,500 bal. ?
YES checkingn/a $ 50.00 ? ?
NOW checking? $ 1,500.00 ? ?
Must open accounts at a branchBusiness savings? $ 100.00 $100 bal. $3/mo
Free ATM access at RiteAid locationsBusiness money market? $ 1,500.00 $1,500 bal. $12/mo Change Q3'16 to Q4'16
Business checkingn/a $ 100.00 $1,500 bal. $10/mo
Business nonprofit checkingn/a $ 100.00 $500 bal. $5/mo 413M Q3, +14M
Car Loans, Mortgages, Personal Loans?FDIC No 22229
15South Carolina Community Bank | sccommunitybank.net75%100%65%SD
Established 1999Regular Checking ? $ 100.00 $ 200.00 $10/mo
1 branch - Columbia/ SCConvenience Checking? $ 25.00 $ 100.00 $10/mo
16 EmpolyeesSenior Gold Checking ? $ 100.00 $ 100.00 $6/mo
$49M AssetsInterest Checking ? $ 100.00 $ 1,000.00 $15/mo
Second Chance Checking ? $ 25.00 $15/mo
Personal Savings
Regular Savings? $ 100.00 $3/mo
Minor Savings? $ 25.00 $2/item
Holiday Savings ?
Business Checking? $ 50.00 $ 1,000.00 $15/mo
Small Business Checking? $ 100.00 $ 1,000.00 $15/mo
Commercial Checking ? $ 100.00 ?
Commercial Interest Checking ? $ 100.00 $10/mo
Business Savings? $ 100.00 $ 200.00 $3/mo FDIC No 35241
16Carver State Bank | carverstatebank.comN/A100%46%OC-
Established 1927Regular Checkingn/a $ 50.00 $600 bal $3.50/mo
2 branches - Savannah/ GAAdvantage Checkingn/a $ 50.00 ? $8/mo
16 EmpolyeesAdvantage Plus Checkingn/a $ 50.00 ? $10/mo
$40M AssetsSenior Clubn/a $ 50.00 ? ?
Now Accountn/a $ 500.00 $1,000 bal $8/mo
Money Market? $ 2,500.00 $2,500 bal $6/mo
Convenience Savings ? $ 50.00 $300 bal $5/mo
First Savings? $ 50.00 ? $4/mo
Business Checking? $ 100.00 ? $18/mo
Small Checking? $ 100.00 ? $12/mo FDIC No 16584
17Alamerica Bank | alamericabank.comLIMITED?N/AN/A100%39%SC-
Established 2000Regular Checking ? $ 100.00 $500 bal ?
1 branch - Birmingham/ ALEZ Checking ? $ 50.00 $5/mo
8 EmpolyeesPersonal Checking n/a $ 100.00 $1,500 bal ?
$36M AssestsCharter Prestigen/a $ 10,000.00 $50,000 bal ?
Personal Money Marketn/a $ 200.00 $2,500 bal ?
Personal Savingn/a $ 100.00 $300 bal ?
Small Business Checkingn/a $ 100.00 $5,000 bal. ?
Business Checking n/a $ 100.00 $1,500 bal ?
Business Charter Prestige ? $ 10,000.00 $50,000 bal ?
Business Money Marketn/a $ 200.00 $2,500 bal ?
Business Savings? $ 100.00 $300 bal ? FDIC No 35314
18Metro Bank | metrobankky.comN/A100%77%OB
Established 1997Market-rate CD? $ 200.00 ? ?
1 branch- Louisville/ KYSavings CD? $ 100.00 ? ?
8 EmpolyeesEasy Access CD? $ 1,000.00 ? ?
$29M AssetsCommunity CD? $ 200.00 ? ?
Business Loans? ? ?
Commercial Real Estate Loans? ? ?
SBA Loans ? ? ?
Residential Loans? ? ? FDIC No 34308
19Columbia Savings & Loan | columbiasavingsandloans.com N/A100%26%OC-
Established 1924No Info Found
1 branch - Milwaukee / WI
6 Empolyees
$25M AssetsFDIC No 28480
BLACK MDI BANKS (W/ <50% BLACK OWNERSHIP)
1CARVER FEDERAL | carverbank.com55K NAT.B+BTBC varies 48%89%12%OB80% invested in minority communities
Established 1948Savings0.25% $ 50.00 $300 bal., $100 bal & dir. dep. $5/mo
9 branches - New York / NYRelationship savings0.25%-0.50% $ 250.00 $2,000 bal., linked to checking $10/mo
131 EmployeesYouth savings0.15% $ 10.00 n/a n/a
$664M Assests Cash access checkingn/a $ 25.00 $500 bal. or dir. dep. $10/mo
Smart checkingn/a $ 100.00 $750 bal. or dir. dep., 10 tr./mo. $15/mo
NY/NJ residents can open accounts onlineGrowth checking0.15% $ 250.00 $1,500 bal. $25/mo
Money market0.15%-0.50% $ 250.00 $2,500 bal. $9/mo
Business cash access checkingn/a $ 100.00 n/a, incl. 250 tr./mo. $10/mo Change Q3'16 to Q4'16
Business smart checkingn/s $ 100.00 $1,500 bal., incl. 500 tr./mo. $25/mo 703M Q3, -3M
Publicly-traded Stock: CARVBusiness money market0.30%-0.50% ? $2,500 bal. $9/mo FDIC No 30394
2URBAN PARTNERSHIP | upbnk.com50K NAT.ABTBC varies 92%90%18%OC+Urban Partnership closes Pullman branch
Established 2010Partnership savings0.10% $ 50.00 $250 bal. $5/mo $50M Will Bring Investment To South Side
6 branches - Chicago / IL, Detroit / MIMission savings (online only)0.35% $ 50.00 funds used for impact lending n/a Urban Partnership in trouble with regulators
129 EmployeesHoliday Partners Club savings0.80% $ 25.00 .80% interest up to $3,000 bal. n/a Wall Street-owned bank officially a 'minority'
$503M Assests Urban accessn/a $ 100.00 dir. dep., 5 debit tr./mo $5/mo
Partnership/Studentn/a $ 100.00 $500 bal. or dir. dep., student $7.50/mo
Can open accounts onlinePartnership plus0.01%-0.10% $ 100.00 $2,500 bal. $20/mo
Premium money market0.05%-0.40% $ 250.00 $2,500 bal. $15/mo
Urban business? $ 100.00 $1,000 bal. $10/mo Change Q3'16 to Q4'16
Partnership analyzed? $ 100.00 misc. transaction fees $25/mo 574M Q3, -21M
Partnership business savings? $ 50.00 $250 bal. $10/mo FDIC No 59051
3BROADWAY | broadwayfederalbank.com25K NAT.CCTBC ? 87%67%11%OB+Part Asian-owned, publicly-traded
Established 1947Statement savings0.25% $ 50.00 $200 bal. $3/mo
3 branches - Los Angeles / CASavings plus0.40% $ 5,000.00 $5,000 bal. n/a
64 EmployeesVIP money market0.75% $ 5,000.00 $5,000 bal. $12/mo
$433M Assests Free checkingn/a $ 50.00 n/a n/a
Interest checking0.15% $ 2,500.00 $2,500 bal. $12/mo
Must open accounts at a branchBusiness savings0.15% $ 100.00 $5,000 bal. $10/mo
Business money market0.15% $ 100.00 $5,000 bal. $15/mo Change Q3'16 to Q4'16
Small business checkingn/a $ 100.00 $1,000 bal. $12/mo 413M Q3, +14M
Publicly-traded Stock: BYFCCredit cards~10-24%FDIC No 30306
4First State Bank | efirststatebank.comN/A100%39%S?
Established 1919Personal Checking $ 50.00 $ - $ -
1 branch - Danville / VASuper Now Account $ 50.00 $ 1,000.00 $8/mo
EmpolyeesMoney Market Account $ 1,000.00 $ 1,000.00 $8/mo
$29.2M AssetsSavings Account $ 100.00 $ 100.00 $5/mo
Business Checking $ 100.00 $ - $ -
Community Checking $ 100.00 $ - $ -
Business Savings Account $ 100.00 $ 100.00
Business Money Market Account $ 100.00 $ 1,000.00 FDIC No 9502
Created by @bankblackusa | Rev. 9/26/2017
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We’re promoting public interest and exchange between Boston and Japan.

The Consulate General of Japan in Boston can see every 787 plane bound to Logan airport from Japan from offices at Federal Reserve Plaza, 22nd Floor on 600 Atlantic Avenue if the windows are pointing in the right direction.

And probably, they are.

Boston airport managers expect Japanese tourism to double in 2014. Japanese visiting Boston are expected to spend as much as a $200 million while here. And they are looking for things to do and places to go.

The Japan Consulate to Boston office is accepting information about events in the New England area. To send in information on events which promote public interest and exchange between Japan and the US you can email infocul@bz.mofa.go.jp or visit their web site

 

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Laptops review. The one to get for $549

The Black Friday $549 price didn’t move down that much for certain Toshiba and Hewlett Package Intel I-7 processor driven large notebooks. Both are on sale at  the Microsoft store in Simon Mall and at Microcentre.

At $549 with media card slots you can use for your camera, WIFI and ample storage, these are very good laptop deals. They are better models that what you would get for a $400 unit in an I3 or I5 processor package Best Buy, Dell or Target because power rules and the processor kick of the I7 will be felt.

There are items that can added to the package that will increase cost, such as touch screen and more ram and a better graphics card.

But if you’re not a gamer, buy the bare bones model and save your money., $549 for Intel i-7 Processor power is good.  The Intel I-7 chip is a premium computer engine. It comes in various models each one affect the overall processing speed of a laptop.

The faster I7- processor models found on these portables will drive the price of the machine up over $800 for the hardware. Usually these have 16GB of ram, touch screens, Windows 10,  and a 1TB hard drive. At $549, one either the Toshiba or the HP version had a touch screen but not both.

 

 

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Hard knock life

Desert

Entrepreneurs number a tiny group of people who are different than the huge quantity of people going to work everyday in the states.

Despite what you hear about the West Coast Silicon Valley salaries and the impressive roster of people starting new prosperous companies in Boston and New York, most people do not act  to start their own companies!

They prefer a guaranteed paycheck on Friday’s,  not promises. They may want to work for themselves one day, but most do not.

Salute to all entrepreneurs who buck this trend.

It can be a lonely haul.

Its a hard knock life.