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Tuesday, July 31, 2018 - 7:45am

Financial Advice For Gen Z: Avoid Mortgages, College Debt, Start Saving Now

The oldest members of Generation Z have recently left college and entered the workforce. For some, learning how to handle their new money and expenses will be an education unto itself.

They can start by learning from the money-managing mistakes of previous generations, says financial management coach Tom Graneau, author of Pennies to Power (www.tomgraneau.com). He points out that most millennials, for example, aren’t doing a great job of saving money. About two-thirds of them, according to the National Institute on Retirement Security, have nothing saved toward retirement.

As a Baby Boomer who once went bust, Graneau says his past financial challenges are a reason he wants to help educate young people now on the pitfalls of over-extending financially. The worst financial mistake Graneau believes a young adult can make – and one he made – is buying a home.  

“The last thing you want to do is get into home ownership; I see home ownership as the No. 1 factor leading to financial negatives in our country,” says Graneau. “You have a country where the banking system, real estate system and government tells us to buy homes, yet most can’t really afford the mortgage long-term.

“Most of your mortgage payment goes only to interest the first few years. What they will pay in interest over the long run is mind-boggling, and it often dwarfs any equity they have in the home.”

Many millennials, however, buried in student loan debt – another thing Graneau says younger folks and families should avoid “at all costs” – are finding they can’t afford to be home owners. Forty-five percent of millennials’ income is spent on rent before they reach the age of 30, according to a study by Rent Cafe.

“That’s fine; they should rent as long as possible,” says Graneau. “You will never spend as much in rent as you will buying a house.” 

In the early 2000s, Graneau found himself in significant debt at the same time he was living stylishly and counseling families on how to overcome their financial issues.  

“The outside world thought I was doing fine, but I was as broke as those individuals I worked with,” Graneau says. “I was about 40 and I had to look at my situation deeply. My salary was stagnating, I was in a multi-million-dollar home and I realized I couldn’t pay that mortgage the rest of my life.

“I lost my job and lost my house. I started recovering by shedding as much debt as possible and saving as much money as possible.”

It was then he started investigating what’s wrong with America’s financial picture. Why are older folks so mired in the debt problem and depending mostly on Social Security? Why does each generation overextend on credit and so many live paycheck to paycheck. The problem, Graneau says, is largely traceable to a lack of financial education and discipline.

“Our society has done a poor job at teaching people how to save as well as construct a real budget and stick to it,” Graneau says. “It doesn’t emphasize limiting debt and saving money, and you see people with all this trouble.”

To Graneau, money problems most often can be traced to an inability or unwillingness to save. A lack of discipline is to blame more than a lack of funds, he says. He recommends putting away 15 to 20 percent per paycheck, or whatever a person can afford, then increasing when they can.

“It’s a hard lesson to portray to younger people,” Graneau says, “but we should never spend all of our paycheck. Always put some of it away.”

 

About Tom Graneau

Tom Graneau (www.tomgraneau.com) is the author of Pennies To Power. A 14-year U.S. Navy veteran, Graneau is a long-time financial management specialist and coach as well as a crisis manager. He came to the US at age 17 from Dominica, a small island in the Caribbean. Although the normal educational structure was inaccessible to him in Dominica due to family complications, he went on to earn bachelor’s and master’s degrees in business at the University of Phoenix.

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Hemp, Inc. to Sell High-End CBD Hemp Through Joint Venture with Dolan Station Retail Storefront

SPRING HOPE, NC, July 30, 2018 (GLOBE NEWSWIRE) -- Hemp, Inc. (OTC PINK: HEMP), a global leader in the industrial hemp industry with the largest multipurpose industrial hemp processing facility in the western hemisphere, announced today that Hemp, Inc. has entered a joint venture with Dolan Station in Dolan Springs, Arizona to sell high-end CBD and Hemp, Inc. products. This will be the first store to carry Hemp, Inc.’s, soon to be launched,  “King of Hemp™” high-end CBD hemp pre-rolls and hemp buds sold by the gram (a “nickel bag”), 8th (a “dime”), quarter-ounce, half-ounce, and one-ounce (or “a lid”).

Dolan Station is a retail storefront conveniently located off Highway 93, which is routinely used by tourists traveling from Las Vegas to the Grand Canyon Skywalk, the Grand Canyon West's premier attraction. One of the seven natural wonders of the world, the Grand Canyon receives nearly 5 million tourists a year, according to CNBC.

To see 1-minute videos of Hemp, Inc.’s humble CBD and Hemp shop, go to Bruce Perlowin’s personal Facebook page and look at the July 27 – 30th posts.

Hemp, Inc. is also in talks with Dolan Station management to grow industrial hemp on eight acres near the second storefront location that is also off of Highway 93. Arizona Governor Doug Ducey recently signed senate bill (SB) 1098 “providing funding for the Arizona Department of Agriculture’s (AZDA) agricultural pilot program allowing universities and those with a license from AZDA to begin cultivating industrial hemp.” Industrial hemp grown under the pilot program would be an agricultural product that requires a grower, harvester, transporter or processor to obtain a license from the AZDA.

Dolan Station is also less than 12 miles from Hemp, Inc.’s strategic hemp growing partner Veteran Village Kins Community Arizona, Inc., which has a 500-acre Veteran Village Kins Community in Golden Valley, Arizona. The Veteran Village Kins Community is designed to grow hemp and produce cannabidiol (CBD) products to benefit veterans as well as generate revenue for Hemp, Inc., the Veteran Village, and individual veterans living in the community. Already a $100 million industry, the CBD market is expected to grow over 700% and balloon to $2.1 billion by 2020.

Once the Veteran Village Kins Community in Golden Valley is operational, Hemp, Inc. management expects that future community residents and participants will be able to utilize Hemp, Inc.’s relationships with retail shops nationwide to sell products derived from hemp grown on the site. With the King of Hemp™ brand launching next month (August) in stores throughout Arizona, Nevada and Colorado, executives say they expect a feeding frenzy based on pre-market research done over the past few months. Dozens of storefronts have been visited by Hemp, Inc.’s Hemp Ambassadors and store owners are eagerly awaiting the brand.  Perlowin says that will kickstart ultimately massive channels of distribution for all the hemp grown well in advance of the Veteran Village Kins Community first hemp crop after it is harvested and processed.

Hemp, Inc. announced in May 2018 that Veteran Village Kins Community Arizona, Inc. had completed installation of a solar and wind-powered energy system for the community. Dozens of master growers from Arizona, Oregon, Colorado, California, Kentucky, North Carolina, and Nevada and various organizations have expressed an interest in pursuing a joint venture with Hemp, Inc. to each grow industrial hemp on the 300 fenced acres in Arizona as part of "The Great United American Hemp Project," where each grower will be farming five acres.

“This partnership with Dolan Station near the Veteran Village Kins Community is the first step toward building our nationwide retail infrastructure that will allow us to meet the rising demand for hemp-based products and CBD,” said Hemp, Inc. CEO, Bruce Perlowin. “We strategically selected Dolan Springs to start carrying Hemp, Inc. products to capture the robust tourism market and because of its proximity to the Veteran Village Kins Community.”
For a more complete description on the Veteran Village Kins Community, read the following, modified, October 24, 2017 press release, Hemp, Inc. Announces Strategic Hemp Growing Partner "Veteran Village Kins Community Arizona, Inc." Completes Final Site Plan Blueprints, below:

Hemp, Inc. has announced that its strategic growing partner, "Veteran Village Kins Community Arizona, Inc.," has completed its final site plan blueprints for its 500-acre site in Golden Valley, Arizona (20 miles north of Kingman, AZ and 90 minutes from Las Vegas, NV). The site plan was submitted to the Mohave County Building Department for final review. The Company is also in the final stages of completing the necessary infrastructure to support an off-grid, renewable, energy system. With the solar equipment in place, the site's solar power operation will be completed in the next days.

As soon as the live streaming video cameras are up and operational (scheduled near the end of July 2018), the world can actually see the way the Veterans Village Kins Community is designed and watch it being built. According to Perlowin, the basic framework or overall plan of the Veterans Village Kins Communities is to create a holistic healing and learning center that is designed to educate and heal veterans with PSTD, alcoholism, meth addiction, opioid addiction, and other psychological conditions while at the same time training them on the numerous aspects of being part of the emerging multi-billion dollar hemp industry.

We will also be building hemp-growing communities for other groups such as "Abused" Women & Children Village Kins Communities, the "Orphaned" Children Village Kins Communities, "Homeless" Village Kins Communities and the "Healers" Village Kins Communities (the healers are professionals who are knowledgeable in the modalities to treat these traumatized groups).  These particular communities are all synergistically aligned to work simultaneously supporting each other.

For example, the "Healers" heal the traumatized veterans and women & children; the women support orphan children and orphan children want to see people living in homes and not homeless.  Thus, a portion of the hemp grown in each community goes to create and support another community, giving everybody a sense of giving back and helping others as they help themselves. This circles back to the healers who also work to heal the veterans and the other traumatized groups. This is the economic foundation on how the sale of the hemp products operates as a "quantum economic matrix" or an example of "symbiotic economics" which is more complex than this brief description allows.

Dwight Jory, the Project Manager for the "Veteran Village Kins Community Arizona, Inc.," said, "We are very happy with the progress. Our Kins Community is really beginning to come together." In anticipation of planting to begin during the spring, 300 acres have been fenced, 16 overnight trailer park sites are under construction, and six 40x40-ft organic vegetable gardens have been planted and are currently producing food and kenaf, according to Jory. These organic gardens double as experimental growing modules using an entire array of different growing technologies to see which modalities grow the best in a desert environment. As for the 6 geodesic domes mentioned in an earlier press release, 1 is structurally complete with only the electrical and plumbing to be completed. The rest are on site awaiting final site plan approval.

"We are now accepting volunteers who have expressed an interest in helping to build the first Kins Community for our veterans," said Jory. Those interested in making the first hemp growing CBD-producing "Veteran Village Kins Community" become a reality should contact Ms. Sandra Williams via email (swilliams@hempinc.com).

One thousand trees, on 36 of the 500-acres, have also been planted, with an additional 1,000 trees on order. The "Veteran Village Kins Community" will include a 100,000-square foot GMP compliant, central processing plant, a state-of-the-art testing laboratory, and various health and wellness centers to support veterans who may have psychological, emotional or health issues.

"As Hemp, Inc. positions itself on the forefront of America's industrial hemp revolution, we see our partnership with 'Veteran Village Kins Community Arizona, Inc.' being paramount in supporting the small family farm movement that we are confident will reshape the American landscape," said Perlowin. "As we work toward getting our eco-village up and running in Arizona, we are also aggressively scouting strategic locations in other states including North Carolina, South Carolina, Florida, Georgia, Kentucky, Tennessee and West Virginia. Giving veterans and other Americans a place to learn new skills and take part in this multi-billion-dollar hemp CBD market is very exciting. It's a big part of our mission to give back.  Recently we have expanded our Kins Community concept internationally focusing, but not limited to, Israel, New Zealand, Canada, Africa, and Uruguay."

According to Perlowin, we hope to have 50 "master hemp growers" working on their first Veteran Village Kins Community in Arizona. To date, we have growers from Oregon, Colorado, California, Kentucky, North Carolina, Nevada and, Arizona who have expressed an interest in pursuing a joint venture with Hemp, Inc. to each grow industrial hemp on 5 of the 300 fenced acres in Arizona. Perlowin says he'll call this "The Great United American Hemp Project."  Any grower having an interest in pursuing a joint venture on 5 of the 300 fenced in acres in Arizona should contact Project Manager Dwight Jory. Or, anyone interested in attending the 2 - 7-day hands-on hempcrete house building should contact Dwight Jory as well. (Dates to be determined.)
  
ABOUT HEMP, INC.
With a deep-rooted social and environmental mission at its core, Hemp, Inc. seeks to build a business constituency for the American small farmer, the American veteran, and other groups experiencing the ever-increasing disparity between tapering income and soaring expenses. As a leader in the industrial hemp industry with ownership of the largest commercial multi-purpose industrial hemp processing facility in North America, Hemp, Inc. believes there can be tangible benefits reaped from adhering to a corporate social responsibility plan.

SOCIAL NETWORKS
http://www.twitter.com/hempinc (Twitter)
http://www.facebook.com/hempinc (Facebook)
https://www.facebook.com/KingOfPot (Bruce Perlowin's Facebook Page)
https://www.facebook.com/TheHempUniversity/ (The Hemp University's Facebook Page)

SUBSCRIBE TO HEMP, INC.'S VIDEO UPDATES
"Hemp, Inc. Presents" is capturing the historic, monumental re-creation of the hemp decorticator today as America begins to evolve into a cleaner, green, eco-friendly sustainable environment. What many see as the next American Industrial Revolution is actually the Industrial Hemp Revolution. Watch as Hemp, Inc., the No. 1 leader in the industrial hemp industry, engages its shareholders and the public through each step in bringing back the hemp decorticator as described in the "Freedom Leaf Magazine" article "The Return of the Hemp Decorticator" by Steve Bloom.

"Hemp, Inc. Presents" is accessible 24 hours a day, 7 days a week, by visiting www.hempinc.com. To subscribe to the "Hemp, Inc. Presents" YouTube channel, be sure to click the subscribe button.

UPCOMING INTERNATIONAL AND DOMESTIC EVENTS
Across the globe, the hemp industry is rising to astronomical levels. In the wake of the hemp industry projected to grow 700% and hit $1.8 billion by 2020, there has been more education and networking within the industry. That means more events and conferences, thus, Hemp, Inc. has started compiling an ongoing list of upcoming hemp events around the world.  Check out the listing of international and domestic events here.

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OH, WEATHERLY

LIPS LIKE OXYGEN 

OUT NOW

 

 

JULY 30, 2018 - Dallas, TX - Oh Weatherly have shared their debut album, Lips Like Oxygen, out now via Hopeless Records. Fans can check out the album here: http://smarturl.it/LipsLikeOxygen

 

Last week, Oh, Weatherly shared "Chasing California", the third single off Lips Like Oxygen. Fans can watch the single/video on the Hopeless Records YouTube channel: smarturl.it/ChasingCAVisual. Last month, the band shared "I Think I Want You" and before that, the "Here Tonight".

 

Co-produced by Jake Bundrick of Mayday Parade, Lips Like Oxygen is a deeply personal and emotionally revealing debut full-length from Oh, Weatherly. Speaking to the new record, lead singer Blake Roses said, "What this album means to me is more than just music or simply a combination of nice sounding chords."

 

Following the passing of his father, Blake began channeling his energy and emotions into helping raise his younger sister as well as a budding relationship with his best friend from high school. Following the first Oh, Weatherly tour, Blake's engagement was broken off, thus beginning the process of healing through his music.

 

"This album is a tribute to the lessons I have learned and to the people who mean/meant most to me," Blake continued. "I do not regret anything I have done in my life and would not take back a single thing. I would not have made it here without these experiences driving me. That being said, I no longer expect anything from anyone but myself."

 

Lips Like Oxygen is the follow up to Oh, Weatherly's 2017 EP Make You Bright

 

Lips Like Oxygen Track Listing:

1.  Here Tonight

2.  The Worst Time

3.  Chasing California

4.  I Think I Want You

5.  Burned Out

6.  Keep On Listening

7.  Dark of the Night

8.  Where Have You Been

9.  Love and Poetry

10. Soaring

 

Follow Oh, Weatherly:

Facebook: https://www.facebook.com/ohweatherly/

Twitter: https://twitter.com/Ohweatherly

Instagram: https://www.instagram.com/ohweatherly/