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Living in New York City with Brooklyn-bred rapper husband Jay-Z, Beyonce really has no real need for a car. So she just obtained her driver’s license for the first time even though she turns 30 years old next year.
But “texting while driving” must not have been in the DMV handbook because Beyonce was ticketed for the offense by a NYC cop who didn’t recognize the 16-time Grammy Award winning singer and actress.
But unlike most drivers who receive traffic citations, Beyonce can easily afford to pay her $100 fine. She is No. 1 among the 12 Best Paid Celebrities under age 30 by Forbes magazine for the second consecutive year. She raked in $87 million between June 2008 to June 2009.

By Teneshia LaFaye

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My heart aches for the 15-30 million Americans who are without a job or profitable business to pay their bills.
Most of these people are victims of corporate layoffs and small business bankruptcies after the housing and banking crisis put the U.S. in a recession at the end of 2007.
But there are people who didn’t suffer a job loss when the recession hit — these are independent insurance agents and network marketers, such as myself. In fact, I built a brand new house.
Network marketing isn’t really a job. It’s more of a home-based business, and there are people making as little as $20 a month to $20,000 monthly or more depending on how much product is sold through the network they build. But let’s put network marketing on the backburner for now.
Insurance companies and agencies are always looking for licensed insurance agents. Consumers needs car insurance, commercial insurance and homeowners insurance because the law requires it. And with so many unemployed, people seek out agents to purchase their own health insurance, life insurance and dental insurance.
Going through the month-long process of obtaining an insurance license is a good investment because an individual can always find work either as an independent agent representing various companies or a captive employee working for one company.
My life insurance company happens to be hiring and is looking for some self-motivated, positive, goal-oriented individuals who either have a life insurance license in Florida or Georgia or are willing to obtain one. Agents are paid a weekly salary with high commissions, group health insurance, 401K and a pension.
If you live within 1-2 hours of Jacksonville, FL and you’re interested in a life insurance agent career, email me a cover letter, your resume and whether you are licensed to tlawright@yahoo.com and I will contact you to arrange for an interview in Jacksonville with me and my general manager. Here is a link to the job posting.
So hopefully, when the next recession hits, you will be entrenched as an insurance agent and will hardly feel the effects.
But if you have no desire to be an insurance agent, here is a list of 21 recession proof jobs that require a few years of education and thousands in student loans versus one month and less than $500 to earn an insurance license.

By Teneshia LaFaye

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President Obama’s new $17.6 billion job bill is expected to create 250,000 new jobs. This does little for the 8.4 million people who lost jobs in this Great Recession, which could also be another Great Depression judging from the low spirits of the millions of unemployed.
Even if you’re lucky enough to get one of the few available jobs, who’s to say you won’t be laid off again when the next recession hits, which based on history, could be in another 6-8 years.
Forget going back to school and incurring thousands of dollars in debt with no guarantee of employment.
Consider two recession-proof industries: insurance and network marketing. I’m a part of both industries and, as a result, I’ve built a new house in the middle of this recession and have had extensive travel in the past 12 months.
Get your insurance license, which takes 1-3 months online or in a classroom, and you will always have an income. With an insurance license, you can sell car insurance, life insurance, health insurance, annuities, mortgage protection and even funeral and burial plans. People are always looking for those services whether there’s a recession or not. You can work from home or at an agency.
Or try network marketing. Network marketing has created more millionaires than any industry in recent years, and it involves building relationships with open-minded, positive people to create a team of individuals who commit to consuming a specific product, such as juice, shakes, phone service or e-books, while recruiting others to do the same. Network marketing creates an income that flows in monthly whether you get out of bed or not.
So do yourself a favor and consider getting your insurance license or joining a network marketing company, and you will never have to worry about being laid off again when the next recession hits.

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MLMs and work-from-home opportunities get a bad rap because there’s the stigma that they are pyramids.
A pyramid is perceived to be when one person at the top is getting rich while the people at the bottom are poor, sort of like when the pharaohs held a monopoly and hoarded their gold with their dead body in pyramids.
And for some reason, people automatically think of pyramids when they are approached about a work-from-home job or multi-level marketing opportunity.
But actually a job is more of a pyramid because most of the time the owners and presidents of the company are the only ones getting rich while the managers and regular employees struggle to get by.
Network marketing levels the playing field and makes every one an owner of his or her own business, which has great tax advantages, and their success is based on their efforts.
Be proactive, follow the system and you get rich. Complain and wait on others to move up and you fail.
Many network marketers are finding success and true financial security, more than they ever had on a job.
Network marketing has produced more millionaires than any other industry in recent years.
The idea of network marketing is for a person to find people who want more out of life to join the opportunity and work part-time following a system to create an ongoing monthly residual income to get ahead
of the bills and possibly to be wealthy.
The majority of people will never be wealthy on a job.
But being wealthy is pointless if you’re unhealthy. My 81-year-old grandfather likes to say, “If you have your health, than you have wealth. Lord, give me my health and I have wealth.” He uses the analogy of how a man could be a billionaire, but he can’t reach over on his nightstand and grab the phone due to his illness.
I like the fact that my network marketing opportunity is part of the $1 trillion health and wellness industry that is more profitable than oil. With this particular company, I can move ahead of the person who recruited me, so he can’t just sit back and get rich off me. I also like the new incentive to get any model Mercedes Benz, my dream car manufacturer, when I reach a certain level, and how I am close to being among the reps to qualify for a trip for two to Hawaii. With other work-from-home opportunities, I’ve earned trips to Alaska, the Bahamas and Beverly Hills, but I’ve never been to Hawaii and I look forward to it.
If you want to learn more about my company so you can be healthy, wealthy and earn a trip for two to Hawaii, read on for videos and testimonials.

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If you’ve failed at dieting and you’re thinking about going under the knife, let me tell you there’s a safer way to lose weight and be healthy on the inside.
You can drop three dress or pant sizes in 10 ten minutes with no diet, pills, exercise or surgery.
It works for men and women.

I’ve gone from a size 20 to a size 12/14 while keeping my same eating habits and with no exercise, and my mom has gone from a size 16 to a size 10.
And we look and feel great.
How would you like to get back into your smaller clothes, be healthy and make money at the same time?
The company that enabled my mother and I to drop at least three sizes is offering up to $500,000 per person for hitting very reasonable goals.
You’re welcome to contact me about losing the weight and shooting for $500,000. Just send me an email to teneshia@mytensense.com.

By Teneshia LaFaye
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By now you’ve made your New Year’s Resolutions.

But are they goals or dreams?

Dreams are what you hope to accomplish, but you haven’t really figured out how you’re going to get it done. Dreams may be to lose weight, make more money or get out of debt.

Goals are specifically what you plan to accomplish and you probably have some idea how to achieve them. A goal may be to lose 20 pounds, to make $5,000 extra or to pay off $10,000 in credit card debt. And if you’re still in school, make As and Bs.

Goals are more likely to materialize than dreams because you have identified your target instead of some generic, unspecific dream.

But don’t expect to reach your New Year’s goals or dreams unless you make a game plan to form daily habits to achieve them.

An NFL team can’t just say it’s going to the Super Bowl. The head coach and his staff has to set specific goals and make a plan to reach those goals, such as winning three out of every four games and winning the division, which would produce a 12-4 record and likely home field advantage in the playoffs to have a better shot at being in the Super Bowl.

But an NFL team also has to break down the goals to the basics of what it takes to even win a single game, such as players’ daily eating and work out habits, daily work on technique, daily analyzing video on opponents, daily strategy meetings and daily practicing of critical situations in a game. These daily activities help a team form habits that will materialize in victories and possibly a Super Bowl.

So in order to reach your New Year’s Resolution, you have to specifically identify what you want to achieve and make a game plan.

But along the way, you will be tempted to get off track, but that’s only because you didn’t identify a strong enough reason why you want to accomplish your goal. So make sure you understand what you hope to do with what you have once you reach your goal.

I actually recognized what I wanted to change in 2010 at the end of last year, but I didn’t know how I was going to do it. Now I do after spending the last four days of 2009 out-of-town with the young president of a company that I plan to work from home to reach my goals.

This young president and his mentor (who each own their own private planes, sports cars and hefty bank accounts) personally took time out of their holidays to teach me how to identify my goals and maximize my potential by making a game plan of daily habits. They treated me like family and we look forward to building on our friendship to help me stay focused on the daily habits that are required to reach my goals.

One of my New Year’s Resolutions is to earn $300,000 from the young millionaire’s company. $300,000 seems like a lot for some people and for others not much. But hey, it’s my goal, not yours.

To make a game plan for my goal, I had to break down how much I need to make per month and then per week and figure out how many sales I need to make per day.

So now I know in order to make $300,000, I have to form the habits of making 40 phone calls a day, setting 6 appointments a day and making 13 sales per week for 48 weeks (because I plan on going on four week-long vacations) to make $300,000 this year with one company. I know I’ll be tempted to get off track, so I have also detailed everything I plan to do with the $300,000 so that I stay the course even when I’ve made $150,000, which is double what I made last year but not enough to do everything I want.

If your resolution is to lose 20-50 pounds, you have to break it down to how much weight to lose per month and per week and what daily habits produce the weight loss, such as specific eating habits and exercises. And also figure out what you want to do once you have lost the weight.

To be successful at reaching your goals, you have to make habits of doings things you don’t normally feel comfortable doing because if doing what you’re comfortable with created what you really want, you would already have it. Eventually, you will feel comfortable with your new habits and achieve your goal.

However, being successful also requires constant growth and therefore changed habits or you will stay where you’re at.

For instance, I made a goal to be the No. 1 agent with another company in 2009, and I achieved that goal to build a brand new house, pay off my debt, publish my first book and take my family on a lot of great vacations, such as Barack Obama’s inauguration, Michael Jackson’s memorial, Disney World birthday celebration and a Bahamas cruise for being the No. 1 agent.

But since that company decreased its compensation and increased my responsibilities, I quit and sought another work-from-home opportunity to achieve even greater results, and I’ve found it and have made a game plan to be even more successful in 2010.

By sharing one of my New Year’s Resolutions and how I plan to achieve it, I hope you have an idea of what it takes to make your New Year’s Resolutions come to pass. Don’t just say what you want. Make a game plan and work on it daily.

By Teneshia LaFaye
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The Senate approved its health care reform bill as promised on the eve of Christmas to help cover most of the estimated 50 million Americans shut out because of high premiums and pre-existing medical conditions.
The bill wasn’t supported by any Republicans, who think the government should stay out of the insurance business. But it was backed by the American Medical Association, which normally opposes health care overhaul.
However, the battle for universal health care isn’t over yet. It’s just beginning because now a committee has to merge the Senate’s newly approved health care bill and the bill from the House, which was approved in November.
A final health care bill that meets the approval of the House and the Senate is expected to be drafted and voted on by the end of January so that universal health care is officially approved in time for President Barack Obama’s State of the Union address.
Contrary to the lies spewed by members of the Republican party, universal health care will not be a hand out as Medicaid and Medicare have been since being passed in 1965. And those who prefer private insurance and like their job benefits can keep their current insurance.
Health care reform is for the tens of millions left without insurance because it’s unaffordable or they have been turned down by insurance companies because of their health conditions.
Participants will be required to pay monthly premiums.
Yet before universal health care can be passed, the House and the Senate must agree on the final bill.
So far, the two groups in Congress agree on the following:
-government subsidies to help families making less than $90,000 per year pay for coverage
-health insurance exchanges to create a risk pool of small business, the self-employed and the unemployed to provide lower premiums
-insurance companies can’t turn a person down for pre-existing conditions or raise premiums because of medical history.
However, the House bill costs $1 trillion while the Senate bill costs $871 million, and they disagree on where the money will come from. The House would like to place higher taxes on individuals with annual incomes more than $500,000 and families making more than $1 million. The Senate wants to increase taxes on insurance companies for their higher-end health plans and increase Medicare payroll taxes on individuals making more than $250,000 annually. Both would like to make cuts to Medicare.
So the lies about working Americans footing the bill for the new health care are untrue because it’s the wealthy who would see increased taxes under the House and Senate bills.
As a successful insurance agent, I think it’s fantastic that insurance companies will no longer be allowed to turn individuals away because of their health and will no longer be allowed to jack up premiums after someone has a major illness.
And I don’t see a problem with wealthy Americans paying higher taxes to help uninsured Americans pay for, not be handed out, health care coverage. As the saying goes, to whom much is given, much is required.
What’s the point of being wealthy if you don’t help people who are trying to help themselves. Besides, the money isn’t going with the rich when they die, so they should use it for a good cause instead of booze, fancy houses and cars and women.

By Teneshia LaFaye
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I’ve been a successful agent in the health insurance industry for the last four years, and even I have been confused by Congress’ ongoing meetings about health care reform since the summer.
But I do know this. The Democrats received the 60 out of 100 Senate votes necessary to move closer to passing a health care bill that will enable 30 million of the estimated 50 million uninsured Americans to purchase affordable health insurance without being turned away for pre-existing conditions. The final vote for the $871 million health care overhaul is on Christmas Eve.
This is huge because, over the years, I’ve seen individuals unfairly pay $1,000 a month for health insurance because of their pre-existing conditions, and I’ve seen vibrant young men turned down for coverage because of a surgery they had in their past.
Now, those people will get a break because our country is deciding to take care of the regular working class by providing affordable, accessible health care.
The poor, the disabled and the elderly have already been taken care off by Medicaid and Medicare since President Lyndon B. Johnson signed those programs into law in 1965.
And soon President Barack Hussein Obama will sign a bill to take care of the millions of Americans who make too much to qualify for Medicaid and are too young for Medicare.
Once the health care bill is passed, I hope the insurance exchanges work similar to the new Medicare Advantage program that was passed in 2003. Medicare Advantage offers dozens of plans for senior citizens to choose from to cover hospitalization, doctor visits, surgery, dental, vision and prescriptions for no premium to a low monthly premium. Enrollment is Nov. 15-Dec. 31 of each year.
I look forward to learning more about the upcoming health care exchange so I can educate uninsured Americans as I have done with the senior community to provide peace of mind that health care coverage is available when they need it.

By Teneshia LaFaye
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I’ve never cared for Tiger Woods even though we’re the same age and he began his pro golf career as I began my sports writing career in the late 1990s.
I just never cared for his persona of being Mr. Perfect and the fact that he dissed the African-American culture on The Oprah Show by saying he considers himself a cablanasian and not a black man. But that’s a whole other story.

Despite not caring a flip about Tiger, I don’t get any satisfaction out of his name and family being dragged through the mud. For some reason, I actually feel empathy for him and especially his Swedish wife Elin, who has to come to grips with not one affair, but now 16 different mistresses and more are sure to come.
Tiger’s mess has spilled over into American households, where workers will lose their jobs to compensate for the major losses ahead for companies tied to the world’s No. 1 golfer. According to CNN, the billionaire golfer is estimated to have a $600 million impact on the U.S. economy.
Accenture LPC, which put all its eggs into Woods’ basket, has withdrawn its sponsorship. Golf analysts expect Tiger’s peers on the PGA Tour to take a big hit because tournament earnings will be much smaller without Woods on the course to bring in TV revenue. TV viewership was down 50 percent while Woods sat out with a knee injury last year.
Officials in Sheboygan County, Wisc., said Woods’ presence at the 2004 PGA Championship, brought $76 million to the state, and they expect to lose out on millions if the world’s No. 1 golfer is absent from the tournament in August.
But Tiger’s women will be just fine.
Since Tiger crashed his Cadillac Escalade into a fire hydrant to burst open a major sex scandal three weeks ago, 16 women have come forward about sleeping with him. Most of Tiger’s women have been paid by news organizations and tabloids to share their story. A few of them have been offered $1 million to pose nude. And it’s been speculated that even Tiger has chipped in to keep some of the women quiet.
But Elin Woods, who has been photographed out without her wedding ring, stands to profit the most. She already has bought a $2 million home on a Swedish island, and stands to get tens of millions for divorcing Tiger.
So we finally know that Tiger isn’t the goody two-shoes he always portrayed, and the women he has used, particularly his wife, are getting their piece of the billionaire’s success.

By Teneshia LaFaye
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President Barack Obama’s $8,000 housing credit for new homeowners was supposed to expire at the end of November, but Congress has graciously extended it until April 30, 2010 and added an incentive for current homeowners.
The housing credit is something to be thankful for because home prices have fallen tremendously to offer great deals and to re-ignite a failing housing market. And the credit extension enables people who are building a home to relax through the three to six month new construction process.
First-time homebuyers get up to an $8,000 credit that can be used for a down payment and closing costs, and current homeowners get up to $6,500 toward the purchase of another home if they have lived in their home for at least five years.
The $8,000 first-time homebuyer credit came in handy for me in because I was able to replenish my savings account after nearly depleting it from putting up a down payment and closing costs, paying off credit card debt and going on several vacations.
Click here for more information on the housing credit.