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This NFL Star Turned Financial Educator Shares His Guide to Financial Freedom – Essence

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From the brilliant lights of the NFL to the hallways of the Ivy League, Brandon Copeland at all times defied expectations.

A former linebacker who spent greater than a decade playing within the NFL, Copeland now takes on a special sort of challenge: teaching financial literacy. In his recent book, Copeland wants to share her knowledge of monetary independence with on a regular basis people, especially Black communities where financial education is commonly inaccessible.

Born in Baltimore, Md., Copeland began his journey from the football field to the classroom early. The grandson of an NFL player who also juggled multiple jobs, Copeland grew up seeing firsthand the importance of monetary stability outside of skilled sports. He says, “With all those different perspectives, it made me come into the league and think, ‘I have to use this as much as it uses me.’”

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He continues, “I learned a lot about money in the league and realized there are a lot of people who will never be able to walk into a Baltimore Ravens or Detroit Lions locker room and have access to those types of people and conversations, so what can I do to make sure that the younger version of me doesn’t have to be elite athletically to get the information that I deserve.”

This NFL Star Turned Financial Educator Shares His Guide to Financial Freedom

But what sets Copeland apart isn’t just his NFL profession or his time as a professor on the University of Pennsylvania — it’s his commitment to democratizing access to financial information, a mission that earned him a spot on the Forbes and NFLPA lists.

Now, with the discharge of , Copeland brings his holistic approach to financial freedom to the masses, giving readers practical advice on how to manage their money, invest correctly, and plan for the longer term. His work comes at a critical time, especially for black Americans, who, according to a 2021 McKinsey reportthey own just one.5% of the country’s wealth, despite the fact that they constitute 13% of the population.

Copeland’s transition from skilled athlete to financial educator wasn’t a coincidence. Early in his profession, he realized that many athletes, especially black athletes, often walk away from the sport financially unprepared for what would come next. His key to staying financially disciplined? “It was pretending I didn’t have any,” he shares. “I literally don’t count a dollar until it hits my bank account.”

During his NFL profession, Copeland saved and invested most of his earnings. His disciplined approach wasn’t nearly accumulating wealth—it was about making a sustainable future. “So many of us, especially in the black community, don’t know what questions to ask when it comes to our finances. I knew I had to do something to change that.”

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Financial education is a subject Copeland loves and sees as a pressing need in black communities. As a professor at Penn, Copeland teaches “Life 101,” a course that covers every part from managing a 401(k) to budgeting and investing, helping students construct the financial foundation they’ll need throughout their lives. His book builds on that work, offering practical advice for anyone who wants to take control of their money and, ultimately, their future.

“If you have a dollar in your account, you’re an investor,” he says. “What I mean once I say that’s, if I actually have a dollar and I resolve to put it under my mattress, that’s a 0% return. If I resolve to put it in a daily checking account at a credit union, that could be a 0.01% return. If I put it in a high-yield savings account, 4-5% return. If I put it in a stock market index fund, the S&P 500 or something like that, I’m taking a look at a 9-10% return per yr. Real estate gives you something different. But briefly, if you may have a dollar, by investing it, you’re going to create some sort of return in your money.

According to 2022 Federal Reserve Reportthe median wealth of white households is greater than five times that of black households. This gap is fueled by systemic inequalities in income, property ownership, and education — but Copeland believes access to financial education can start to close it.

“The biggest problem is that financial education isn’t taught early enough in our communities,” she explains. “We know how to hustle, but we don’t learn how to make that money work for us over time.” She emphasizes that financial independence isn’t about limiting all the fun of life, but about correctly navigating opportunities to thrive.

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His philosophy of “monetizing your passion” is clear in each his teaching and his personal life. From startups to real estate investing, Copeland has mastered the art of turning hobbies and side hustles into multiple streams of income. “I try to double-click on the things I already spend my time on and take a look at the things I like and see how I can put more effort into them,” he says. “Because if you can monetize the things you like, you can spend less time doing the things you don’t.”

This approach reflects a broader trend amongst black entrepreneurs, with the National Bureau of Economic Research reporting a rise within the variety of black business start-ups, which increased by 38% throughout the pandemic.

Despite these gains, African Americans still face significant challenges when it comes to constructing wealth. According to the U.S. Census Bureau, 35% of black households live in property povertymeaning they don’t have enough net value to survive on the poverty level for 3 months without income. Copeland is committed to addressing these disparities head on, equipping her readers with the tools and techniques they need to get ahead.

One key message is to understand that everyone seems to be an investor, no matter income level. “Whether you have a dollar or a million, you make decisions every day about what to do with your money,” Copeland says. He encourages readers to shift their mindset from fear to growth, investing in ways that can repay in the long term relatively than chasing quick wins.

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For Copeland, that approach also includes estate planning—an often neglected but crucial element in black communities. He points out that top-profile cases just like the death of Chadwick Boseman, who died with no will, underscore the necessity for more conversations about constructing a legacy. Without proper planning, the wealth you create could be eroded by taxes and legal battles. “We need to be aware of the legacy that we leave behind,” he says, a message that resonates deeply in communities where wealth transfer has historically been a struggle.

While the book is filled with financial advice, its deepest message is about achieving balance. Copeland sees financial freedom as a part of a broader pursuit of mental and emotional well-being. “Money can be a source of stress or a tool for freedom,” he explains. His goal is to help people feel empowered by their financial decisions, not overwhelmed by them.

Research shows that financial stress primarily affects black Americans. Pew Research Center Survey found that 54% of black adults worry about paying bills, compared to just 39% of their white counterparts. This financial anxiety can take a toll on mental health, and Copeland’s holistic approach goals to alleviate that. “If you’re not investing, you’re always going to have to work to earn money. You have to find a point in time where you can do that.” His advice is practical, urging people to prioritize each earning and saving, but never lose sight of living fully in the current.

Brandon Copeland isn’t just one other former athlete trying to capitalize on his fame. He’s a person on a mission to uplift his community by breaking down barriers to financial literacy. This is greater than only a guide to wealth; it’s a manifesto for creating lasting change.

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“I was in the spotlight, and there are so many people that you literally spend money on to impress… No, I’m not going to waste money trying to put bottles out at the club just to be seen,” Copeland says, emphasizing the importance of prioritizing long-term financial goals over short-term impressiveness.

Through his book, teaching, and advocacy, Copeland is laying the muse for a future during which financial literacy is the rule, not the exception, for Black Americans.

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This article was originally published on : www.essence.com
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Health and Wellness

I am a medical forensic examiner. Here’s what people can expect from a health response from sexual assault

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Estimated one in five women and one in 16 men In Australia, she experienced sexual violence.

After such a traumatic experience, it’s comprehensible that many are usually not sure in the event that they wish to report it to the police. In fact, Less than 10% Australian women who experience sexual assault, if he gives a police report.

In Australia it’s No closing date After notifying the sexual assault to the police. However, there are strict time frames for collecting forensic evidence, which can sometimes be a very important a part of a police investigation, no matter whether it begins.

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This implies that the choice whether to undergo a medical forensic examination should be taken quite quickly after the assault.

I work as a medical forensic examiner. Here’s what you can expect for those who present a medical forensic examination after sexual assault.

A team of specialists

There are about 100 sexual assault services in Australia, providing 24-hour care. As with other healthcare areas, there are additional challenges in regional and rural areaswhere there are sometimes further distances from travel and deficiencies.

Sexual assault services in Australia are free, whatever the status of Medicare. To find the closest service, you can call 1800 respect (1800 737 732) or Full stop australia (1800 385 578) who can also provide immediate support for telephone counseling.

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It is very important to call the local sexual assault service before appearing. They can provide victims to experience information and advice to stop delay and make the method as helpful as possible.

Consultations often occur within the Hospital Emergency Department, which has a designated forensic apartment or within the Specialist Forensic Service.

The victim-over is seen by doctor or nurse Trained in the sphere of medical and criminal care. There is a sexual assault, crisis worker or social employee to support the patient and provides advice on advice. This known as “Integrated answer“With medical and psychosocial employees working together.

In most cases, the victim’s survival might also have the presence of his own support person.

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Depending on what the victim is wants, the doctor or nurse will take the history of the robbery to conduct any medical care which may be needed (e.g. emergency anticretation) and conduct the examination.

Sexual assault services are all the time very conscious dishes to victims of selection in the sphere of medical forensic examination. If a person presents a sexual assault service, he can receive advice and medical care without undergoing forensic examinations if he doesn’t wish to.

https://www.youtube.com/watch?v=cglbtgia0ek

Sexual assault services include all sexes.

Collecting forensic samples

Samples collected during a medical forensic examination can sometimes discover the DNA of the perpetrator or intoxicants (alcohol or drugs that can be relevant to the examination). . Possibility window Collecting these samples can be as short as 12 hours or as much as 5-7 days, depending on the character of the sexual assault.

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In most Australia, an adult who has experienced a recent sexual assault, you can offer a medical forensic examination without submitting a report for the police.

Depending on the condition or territory of the forensic samples, you can often store for 3 to 12 months (as much as 100 years in Tasmania). This allows victims of time to survive definitely whether or not they wish to release them to the police for processing.

A health care provider or nurse will take samples using a sexual assault investigation kit or “rape set”.

Collecting these samples may include taking swabs to detect DNA from external and internal genital areas and wherever DNA transfer may occur. This may come from skin cells during which the perpetrator affected the victim’s snack or from body fluids, including sperm or saliva.

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A health care provider or nurse conducting the examination is minimized by re -traumatization, providing information, elections and control of the victim at every stage of the method.

The victim-overhang can often have a support person with him.
Monkey Business Images/Shutterstock

What about sexually transmitted diseases and pregnancy?

During the consultation, the doctor or nurse will address all fears about sexually transmitted infections (sti) and pregnancy if concerned.

In most cases, the danger of sexually transmitted diseases is low. But check tests for 1-2 weeks by way of infection, reminiscent of chlamydia and gonorrhea, and after 6-12 weeks In the case of infections reminiscent of syphilis and HIV, it is normally advisable.

Emergency contraception can be provided (sometimes called “in the morning after a pill”) prevent pregnancy. It can be downloaded as much as five days after sexual assault (however the faster) with pregnancy tests advisable after 2-3 weeks.

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Everything has improved over time

When I was a younger doctor at the tip of the 90s, taking foreheads were often chargeable for an busy international trainee and gynecology on the Emergency Department, which regularly managed many patients and had a small training in the sphere of criminalistics. Usually there was no supporting advisor.

Anegdotically each the doctor and the patient were traumatic through this experience. Studies show that when specialized integrated services are usually not provided, a sense of powerlessness of the victim They are enlarged.

But the way in which we conduct medical forensic examinations after sexual assault in Australia has improved through the years.

Thanks to practices focused on the patient and the appointed criminal and advisory staff, the patient’s experience is believed Strengthening position than for re -traumatizing.

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A sign before the Australian police station.
Less than 10% of Australian women who experience sexual assault, in the event that they even submit a police report.
Melissa Meehan/AAP

Our research

In latest studies published in Australian Journal of General PracticeMy colleagues and I studied the experience of medical criminal examination from the angle of a victim.

We analyzed 291 patients who provide sexual assault services in New South Wales (where I work) for 4 years.

About 75% of patients said that the study was calming and one other 20% said it was high-quality. Only 2% said it was traumatic. Most (98%) stated that they’d recommend a friend present within the service of sexual assault in the event that they were in a similar situation.

While patients talked positively in regards to the care received, many commented that the sexual assault service was not visible enough. They didn’t know learn how to find it and even existed.

We know that many victims’ victims don’t present a sexual assault service or undergo a medical forensic examination after sexual assault. So we must do more to extend the visibility of those services.

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This article was originally published on : theconversation.com
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Health and Wellness

Milan Fashion Week rejects the classics – essence

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“It’s boring, boring, boring,” said the deceased André Leon Talley from Milan Fashion Week in an interview with 1998 with Videofashion. His own words: “You can go for a week of concerts in a city like Milan, and you sit there and want to jump from the shelf until you reach Gucci.” Italian fashion, like Italian culture, is kind of conservative in comparison with the remainder of the fashion capitals, apart from brands corresponding to Moschino, Versace and Roberto Cavalli, where there are more.

New York is full of life and democratic. London is normally suggestive, filled with creative genius. Paris transfers fashion to the highest heights. And a city whose fashion is usually in comparison with Milan, large for craft – and Flash – is understood for designers who bored fashion fanatics, but they’re sublime. It can be filled with family businesses corresponding to Prada and Fendi. I mean, give it some thought, all of us love pasta, since it is reliably tasty, pizza is the default when nobody in the room can resolve what to eat, and it’s rare that any of those disappoints the palate. In this fashion I see Milan Fashion Week. You know what you’ll get and it should be nice.

The prospects have now opened a bit, and designers corresponding to Maximillian Davis and Matthieu Blazy Zhuzs Up Italian trick, corresponding to Ferragamo and Bottega Veneta. Several other designers have also strengthened the energy of the week with more vivid clothes. But let’s bring it back to Talley. What is “boring” in fashion now? In this fashion, people dress, and “quiet luxury” remains to be guilty. It seems that Milan programs this season help to initiate an era that claims that it energy energy again: easy with a funny return.

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Jil Sander’s clothes bloom

Milan Fashion Week imprints the classics
Giovanni Giannoni/WWD via Getty Images

With the exception of 1 blue and one red leather look and a buffed pink dress with columns, the colours in the Jil Sander collection are quite neutral. These are the details they like: double stripes that don’t beg to be noticed, fur at the top of the shirt and coat collars and on the sleeves, sporadically feathered dress and sweater. The collection began with the honest participation of its clothes, which flicker with fringes, giving it an actual party atmosphere. The lace cover worn on white organza and high black shoes caused a distinct approach to an office dressing, wherein explicit, girlish femininity can coexist with elegant improvement. Many women can look and run with them, like men, with their close bags, nonchalan skirts and Rockstar shoes. This program was the final presentation of the husband and wife’s duo who’re apparently Ending their time in the brand: Luke and Lucia Meier (they began running the house in 2017).

Marni animated runway

Milan Fashion Week imprints the classics
Victor Virgin/Gamma-RPHO by Getty Images

When there have been rumors about who would take over Chanel after the VIARD VIARD leaving the brand, I used to be hoping that one in all Jeremy Scott was real. Because fashion desperately needs humor. Nowadays, every little thing is so tense and few people seem funny. Except for, say, Jonathan Anderson and Francesco Risso in Marni. Ready to wear the brand this season, it looked as if it would a mix of ideas in other concert events over the past few seasons, making a sort of carrying a horse.
There was a kamea from such a classy Tracee Ellis Ross-I can not give you a greater casting decision. The neck of the curly sweater of the follicle captivated me. In combination with it there have been brown suede pants and glossy, multi -colored Oxfords, which delivered to mind shoes with a faucet. The pink bubble rubber coat had buttons, a collar and a breast pocket. Another coat, blue, had gray fur. Apart from the fabrics and color, they enlivened these clothes, these are prolonged proportions, which is all the time fun. This is a miserable thing that makes you ought to watch again.

Fendi celebrates a mode century

Milan Fashion Week imprints the classics
Giovanni Giannoni/WWD via Getty Images

Fendi celebrated a centenary with a program that she threw light on why it was so heralded. The tailoring was liquid, daring prints, and the coats beautiful. And we now have Silvia Venturini Fendi to thank. Many stories were told here. There is, in fact, the history of the House of Craft Fur Production, which took shape in coats with a collar with out a collar, long vests and steles. Deep shades in eye-catching productions emphasize wealth-aestly and economically-we are going to have the ability to with Fendi.

General coats and sick ladyiste dresses, cut out, were smooth butter, quality people have recently loved the brand. Sneaky cardigans, skirts, dresses and sweater have been decorated with drags and countless shapes. The dolls took place and hung from the bags. This created a set that spoke with a consumer and culture, not only to himself. The advantage of the brand was that it didn’t depend on her archives. It was not on the nose together with his references. Instead, it remained fresh, next to other collections, but was expected one step over them

Burberry is on itself

Milan Fashion Week imprints the classics
Giovanni Giannoni/WWD via Getty Images

Daniel Lee’s works in the cult British label people query the brand’s evolution and what means to stay faithful to its history. Industry and its viewers have two minds: some imagine that the home is flourishing when it draws from its heritage, only barely improving him to keep up significance; Others have a more progressive perspective, observing, fairly exactly that fashion is the most when the brands are approaching friends. Christopher Bailey and Riccardo Tisci’s Burberry hit many as unknown. The recent, sometimes dizzying ideas of those designers apparently “did not work”, and on this desire that folks would feel as in the event that they knew the brand again.

Enter: Lee, who joined the label from Bottega Veneta, and whose clothes are easier on the eye, like the current Bottega. His Fall 2025 collection had a really desirable appearance of the same colours, a big sweater dress, a rather glitter leather coat in navy blue blue and other “oooos”, but often “Aaah”. In many respects, clothes sell, adapting to other elements in the collection and translating well into real life, life that’s interesting and dressed as such.

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This article was originally published on : www.essence.com
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Health and Wellness

Odra situation around the world: less vaccinations and more explosions

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The US has registered their first death from the Oder since 2015. This week, because a baby who was not vaccinated died in the Odra eruption in Texas.

Usually, most American cases are delivered to the country by individuals who traveled abroad. Until now, Texas officials have reported 124 cases. New Mexico reported nine.

Experts point to a decrease in vaccination indicators from the Odra around the world since the Covid-19 pandemic. In the United States, most of the states are currently below 95% of the vaccination threshold for preschoolers – the level needed to guard the community from the Oder’s explosions.

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Great Britain reported 2911 confirmed cases of the Oder in 2024, the highest variety of cases recorded yearly, from 2012.

The cases of the Odra in the United States last yr were almost twice as much as for all 2023, raising concerns a few child virus preventive. Health officials confirmed the cases of measles in a minimum of 18 states in 2024, including New York, Philadelphia and Chicago.

“Odra is a threat everywhere anywhere,” say American Center for Disease Control on its website.

Here is a brief have a look at the global situation of the Oder.

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Are the Odra explosions common outside the USA?

According to the World Health Organization, about 10.3 million people were infected in 2023 and 107,500 died. Most of them are unvaccinated people or children under the age of 5. Cases were most frequently partly of Africa, the Middle East and Asia, where the income is low and health services insufficient.

In places where measles were largely eliminated, cases spread by travelers from other countries.

While the measles related to the Odra decreased barely in 2023, the variety of epidemic increased. The primary explosions took place in 57 countries in 2023, including India and Indonesia, Russia, Yemen and Iraq. The largest variety of cases in 2023 was 311,500 in the Democratic Republic of Congo.

What is the impact of vaccinations?

The global childhood vaccination rate has dropped in recent times, to 83% in 2023 from 86% in 2019, partly as a consequence of vaccination and healthcare disturbances as a consequence of pandemic.

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WHO estimates that vaccinations have helped to forestall over 60 million deaths around the world in the years 2000–2023, as shots increase to extend arrows for more people. In 2000, it’s estimated that 800,062 people died of measles. Before introducing the vaccine in 1963, the primary epidemics caused about 2.6 million deaths a yr.

Odra is so infectious that 95% immunity is required to forestall an epidemic, says WHO. In other words, he infects about 9 out of 10 people revealed in the event that they shouldn’t have immunity.

What international efforts are in the means of stopping an epidemic?

WHO and others support the effort called “Agenda Immunization 2021-2030” to press the Odra elimination.

Independent experts announced America -free America in 2016, but this status was lost in 2018 as a consequence of the Odra epidemic in Brazil and Venezuela. Experts say that reduced vaccination indicators undermine efforts to completely eliminate the disease.

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Global health organizations and other groups have increased their efforts to speed up vaccination programs and closure of gaps in prevention.

Shaboozey's

(Tagstranslat) receiving measles

This article was originally published on : thegrio.com
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