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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.’”

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.”

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.

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.

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.

“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.

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

Jury awarded $310 million to parents of teenager who died after falling on a ride at Florida amusement park – Essence

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Sun Sentinel/Getty Images

The family of Tire Sampson, the 14-yr-old who tragically died on an amusement park ride in Orlando, Florida, in 2022, has been awarded $310 million in a civil lawsuit.

Tire, who was visiting ICON Park along with his family on March 24, 2022, fell from the FreeFall drop tower. Although he was taken to a nearby hospital, he didn’t survive his injuries.

Now, greater than two years later, a jury has held the vehicle manufacturer, Austria-based Funtime Handels, responsible for the accident and awarded the Tire family $310 million. According to reports from local news stations WFTV AND KSDKthe jury reached its verdict after about an hour of deliberation.

Tyre’s parents will each receive $155 million, according to attorney spokesman Michael Haggard.

Attorneys Ben Crump and Natalie Jackson, who represented Tyre’s family, shared their thoughts on this landmark decision via X (formerly Twitter). “This ruling is a step forward in holding corporations accountable for the safety of their products,” they said in a statement.

Lawyers stressed that Tyre’s death was attributable to “gross negligence and a failure to put safety before profits.” They added that the ride’s manufacturer had “neglected its duty to protect passengers” and that the substantial award ensured it could “face the consequences of its decisions.”

Crump and Jackson said they hope the result will encourage change throughout the theme park industry. “We hope this will spur the entire industry to enforce more stringent safety measures,” they said. “Tire heritage will provide a safer future for drivers around the world.”

An investigation previously found that Tyre’s harness was locked through the descent, but he dislodged from his seat through the 430-foot fall when the magnets engaged. Tire’s death was ruled the result of “multiple injuries and trauma.”

ICON Park said at the time that it could “fully cooperate” with the authorities.

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

Tireless HIV/AIDS advocate A. Cornelius Baker dies

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HIV/AIDS Advocate, A. Cornelius Baker


A. Cornelius Baker, a tireless advocate of HIV and AIDS testing, research and vaccination, died Nov. 8 at his home in Washington, D.C., of hypertensive, atherosclerotic heart problems, in response to his partner, Gregory Nevins.

As previously reported, Baker was an early supporter for people living with HIV and AIDS within the Nineteen Eighties, when misinformation and fear-mongering in regards to the disease were rampant.

According to Douglas M. Brooks, director of the Office of National AIDS Policy under President Obama, it was Baker’s Christian faith that guided him toward compassion for others.

“He was very kind, very warm and inclusive – his circles, both professional and personal, were the most diverse I have ever seen, and he was guided by his Christian values,” Brooks told the outlet. “His ferocity was on display when people were marginalized, rejected or forgotten.”

In 1995, when he was executive director of the National AIDS Association, Baker pushed for June 27 to be designated National HIV Testing Day.

In 2012, he later wrote on the web site of the Global Health Advisor for which he was a technical advisor that: “These efforts were intended to help reduce the stigma associated with HIV testing and normalize it as part of regular screening.”

https://twitter.com/NBJContheMove/status/1856725113967632663?s=19

Baker also feared that men like himself, black gay men, and other men from marginalized communities were disproportionately affected by HIV and AIDS.

Baker pressured the Clinton administration to incorporate black and Latino people in clinical drug trials, and in 1994 he pointedly told the Clinton administration that he was bored with hearing guarantees but seeing no motion.

According to Lambda Legal CEO Kevin Jennings, yes that daring attitude that defines Baker’s legacy in the world of ​​HIV/AIDS promotion.

“Cornelius was a legendary leader in the fight for equality for LGBTQ+ people and all people living with HIV,” Jennings said in a press release. “In the more than twenty years that I knew him, I was continually impressed not only by how effective he was as a leader, but also by how he managed to strike the balance between being fierce and kind at the same time. His loss is devastating.”

Jennings continued: “Cornelius’ leadership can’t be overstated. For many years, he was one in all the nation’s leading HIV/AIDS warriors, working locally, nationally and internationally. No matter where he went, he proudly supported the HIV/AIDS community from the Nineteen Eighties until his death, serving in various positions including the Department of Health and Human Services, the National Association of Persons with Disabilities AIDS, and the Whitman-Walker Clinic . Jennings explained.

Jennings concluded: “His career also included several honors, including being the first recipient of the American Foundation for AIDS Research Foundation’s organization-building Courage Award. Our communities have lost a pillar in Cornelius, and as we mourn his death, we will be forever grateful for his decades of service to the community.”

Kaye Hayes, deputy assistant secretary for communicable diseases and director of the Office of Infectious Diseases and HIV/AIDS Policy, in her comment about his legacy, she called Baker “the North Star.”.

“It is difficult to overstate the impact his loss had on public health, the HIV/AIDS community or the place he held in my heart personally,” Hayes told Hiv.gov. “He was pushing us, charging us, pulling us, pushing us. With his unwavering commitment to the HIV movement, he represented the north star, constructing coalitions across sectors and dealing with leaders across the political spectrum to deal with health disparities and advocate for access to HIV treatment and look after all. He said, “The work isn’t done, the charge is still there, move on – you know what you have to do.” It’s in my ear and in my heart in the case of this job.

Hayes added: “His death is a significant loss to the public health community and to the many others who benefited from Cornelius’ vigilance. His legacy will continue to inspire and motivate us all.”

Baker is survived by his mother, Shirley Baker; his partner Nevins, who can be senior counsel at Lambda Legal; his sisters Chandrika Baker, Nadine Wallace and Yavodka Bishop; in addition to his two brothers, Kareem and Roosevelt Dowdell; along with the larger HIV/AIDS advocacy community.


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

Bovaer is added to cow feed to reduce methane emissions. Does it pass into milk and meat? And is it harmful to humans?

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There are growing concerns in regards to the use of feed supplements, Bowar 10to reduce methane production in cows.

Bovaer 10 consists of silicon dioxide (mainly sand), propylene glycol (food stabilizer approved by Food Safety Australia New Zealand) and lively substance 3-nitrooxypropanol (3-NOP).

There has been an enormous amount of misinformation in regards to the safety of 3-NOP, with some milk from herds fed this additive being labeled “Frankenmilk”. Others feared it could get to humans through beef.

The most significant thing is that 3-NOP is secure. Let’s clear up some major misconceptions.

Why do we want to limit methane production?

In our attempts to limit global warming, we’ve placed the best emphasis on CO₂ because the major man-made greenhouse gas. But methane is also a greenhouse gas, and although we produce less of it, it is: a much stronger greenhouse gas than CO₂.

Agriculture is the largest a man-made source of methane. As cattle herds expand to meet our growing demand for meat and milk, reducing methane production from cows is a vital way to reduce greenhouse gas emissions.

There are several ways to do that. Stopping bacteria within the stomachs of cows that produce methane one approach is to produce methane.

The methane produced by cows and sheep doesn’t come from the animals themselves, but from the microbes living of their digestive systems. 3-NO stop the enzymes that perform the last step of methane synthesis in these microorganisms.

3-NOP is not the one compound tested as a feed additive. Australian product based on seaweed, Rumin8for instance, it is also in development. Saponins, soap-like chemicals present in plants, and essential oils as well has been examined.

However, 3-NOP is currently one of the popular effective treatments.

Nitrooxypropanol structure: red balls are oxygen, gray carbon, blue nitrogen and white hydrogen.
PubChem

But is not it poison?

There are concerns on social media that Bovaer is “poisoning our food.”

But, as we are saying in toxicology, it’s the dose that makes the poison. For example, arsenic is deadly 2–20 milligrams per kilogram of body weight.

In contrast, 3-NOP was not lethal on the doses utilized in safety studies, up to 600 mg 3-NOP per kg body weight. At a dose of 100 mg per kg body weight in rats, it didn’t cause any adversarial effects.

What about reproductive issues?

The effect of 3-NOP on the reproductive organs has generated numerous commentary.

Studies in rats and cows showed that doses of 300–500 mg per kg body weight caused: contraction of the ovaries and testicles.

In comparison, to achieve the identical exposure in humans, a 70 kg human would want to eat 21–35 grams (about 2 tablespoons) of pure 3-NOP every day for a lot of weeks to see this effect.

No human will likely be exposed to this amount because 3-NOP doesn’t pass into milk – is fully metabolized within the cow’s intestines.

No cow will likely be exposed to these levels either.

The cow licks itself
Cows will not be exposed to levels tested on animals in laboratory studies.
Ground photo/Shutterstock

What about cancer?

3-NOP is not genotoxic or mutagenicwhich implies it cannot damage DNA. Thus, the results of 3-NOP are dose-limited, meaning that small doses will not be harmful, while very high doses are (unlike radiation where there is no secure dose).

Scientists found that at a dose of 300 mg per kilogram of body weight benign tumors of the small intestine of female ratsbut not male rats, after 2 years of every day consumption. At a dose of 100 mg 3-NOP per kg body weight, no tumors were observed.

Cows eat lower than 2 grams of Bovaer 10 per day (of which only 10% or 0.2 grams is 3-NOP). This is about 1,000 times lower than the appropriate every day intake 1 mg 3-NOP per kg body weight per day for a cow weighing 450 kg.

This level of consumption will likely be not the result in cancer or any of them other adversarial effects.

So how much are people exposed to?

Milk and meat consumers will likely be exposed to zero 3-NOP. 3-NOP doesn’t penetrate milk and meat: is completely metabolized within the cow’s intestines.

Farmers could also be exposed to small amounts of the feed additive, and industrial employees producing 3-NOP will potentially be exposed to larger amounts. Farmers and industrial employees already wear personal protective equipment to reduce exposure to other agricultural chemicals – and it is advisable to do that with Bovear 10 as well.

Milk
3-NOP doesn’t penetrate milk and meat.
Shutterstock

How widely has it been tested?

3-NOP has been in development for 15 years and has been subject to multiple reviews by European Food Safety Authority, UK Food Safety Authority AND others.

It has been extensively tested over months of exposure to cattle and has produced no unintended effects. Some studies actually say so improves the standard of milk and meat.

Bovaer was approved for use in dairy cattle by the European Union from 2022 and Japan in 2024. It is also utilized in many other countries, including: in beef products, amongst others Australia.

A really small amount of 3-NOP enters the environment (lower than 0.2% of the dose taken), no accumulates and is easily decomposed subsequently, it doesn’t pose a threat to the environment.

Since humans will not be exposed to 3-NOP through milk and meat, long-term exposure is not an issue.

What does Bill Gates have to do with this?

Bill Gates has invested in a distinct feed processing method for methane, Australian seaweed-based Rumin8. But he has nothing to do with Bovaer 10.

The Bill & Melinda Gates Foundation awarded research grants to the corporate producing 3-NOP for malaria control researchnot for 3-NOP.

The bottom line is that adding 3-NOP to animal feed doesn’t pose any risk to consumers, animals or the environment.

This article was originally published on : theconversation.com
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