January , 2019

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New York, NY (BlackNews.com) — ND Publishing releases Why We Go Broke?, a financial lecture that mixes music, humor and financial literacy. The audio CD looks at the financial decisions of a fictional basketball player. The lecture takes the listener through his journey from financial ignorance to knowledge.

According to FINRA’s Financial Capability Study, it was found that the average American needed to improve their financial knowledge. The study yielded the following:

* Making Ends Meet. 20% of individuals reported that over the past year, their household spent more than their income.

* Planning Ahead. 60% of individuals lack a “rainy day” fund to cover expenses for three months, in case of emergencies such as sickness, job loss or economic downturn.

* Managing Financial Products. 24% of individuals reported using one or more non-bank borrowing methods in the past five years.

* Financial Knowledge and Decision-Making. On average, individuals answered three out of five financial literacy questions correctly. In addition, 62% of individuals said that, when obtaining their most recent credit card, they did not collect and compare information about cards from more than one company.

Why We Go Broke? provides listeners with practical information concerning personal finance, investing, and retirement planning. People who lack financial literacy pay more for financial services, have higher debt and have less money for retirement. The lecture chooses a basketball player to illustrate what can happen without proper financial management. According to Sports Illustrated, it was estimated in 2009 that 60 percent of NBA players are broke within five years of retiring from the game. The NBA recently announced that players will be forced for the first time to save money for retirement.

Investing, retirement planning and estate planning are all topics that are covered in Why We Go Broke? The lecture is presented by Narcisse Dargenson. Narcisse Dargenson holds a B.A. from Johnson C. Smith University and a MBA from Georgia Southern University. Why We Go Broke? is available at Amazon.com and iTunes.com. The lecture brings humor and creativity to a serious subject.

About N.D. Publishing

N.D. Publishing is a creative publishing company that is dedicated to publishing creative, innovative and thought provoking expressions to the world.

Photo Caption: Audio CD cover

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Welcome to CopyLine Magazine! The first issue of CopyLine Magazine was published in November, 1990, by Editor & Publisher Juanita Bratcher. CopyLine’s main focus is on the political arena – to inform our readers and analyze many of the pressing issues of the day - controversial or otherwise. Our objectives are clear – to keep you abreast of political happenings and maneuvering in the political arena, by reporting and providing provocative commentaries on various issues. For more about CopyLine Magazine, CopyLine Blog, and CopyLine Television/Video, please visit juanitabratcher.com, copylinemagazine.com, and oneononetelevision.com. Bratcher has been a News/Reporter, Author, Publisher, and Journalist for 33 years. She is the author of six books, including “Harold: The Making of a Big City Mayor” (Harold Washington), Chicago’s first African-American mayor; and “Beyond the Boardroom: Empowering a New Generation of Leaders,” about John Herman Stroger, Jr., the first African-American elected President of the Cook County Board. Bratcher is also a Poet/Songwriter, with 17 records – produced by HillTop Records of Hollywood, California. Juanita Bratcher Publisher

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