A Place To Call Home -Why Single Mothers Should Own A Home

Written by: Dina Harbour

Women Obtaining Wealth
Women Obtaining Wealth Internet Talk Show


I can’t put my finger on it exactly but it is something special about going home. A home can represent a lot of things but for me, home is my security blanket. It is the place that I grew up, ran up and down the street, learned how to dance, skate, and ride my first bike.

My parents bought out home shortly after I was born. My Mom still lives there to this day and it makes me smile. Buying a home is something I always wanted to do. It just made sense to me. It took me 31 years before I could buy a home. Why did it take me so long to purchase a home when I wanted one so badly?

Well, no one taught me how to buy a home. I was employed and made a decent salary but I didn’t know all the rules and/or requirements. When I did find out what was required I hadn’t saved up enough money for the down payment. Plus I was carrying to much debt.

Later in my discovery I learned that ALL wealthy people own real estate. Most Millionaires make their money from buying, renting and/or selling this asset. It took me 31 years to own my first piece of property and it was the best investment I could have made back in the year of 2000.

Since then however, I’ve experienced and learned so many valuable lessons about owning real estate. Because of my knowledge, I became a Real Estate Agent and Investor. Also, in sadness I’ve watched good people loose their homes while the housing market took a crazy dive.

Regardless of these unfortunate situations people are still using real estate as one of their most popular vehicles to building wealth. They have the REAL information needed to make real estate much more than a home, but also a pertinent asset. Just because the economy is not in the best shape doesn’t mean that you shouldn’t own real estate. People still need a place to call home more so now than ever before. Do you have one to call your own?

When You Finally Get It, Will It Be To Late?

Written by: Dina Harbour

Women Obtaining Wealth,
W.O.W. on Blog Talk Radio (Every Sunday @ 6P EST)

I sent a text message to a good friend of mine that lives in California. We met in 2000 at DeVry Institute. She graduated and I didn’t. But we stayed friends through the years and I value our friendship. I was at her graduation and was truly happy for her. At the time, I was already working in the “information systems” industry and she wasn’t.

Soon after graduating, she became a Mom and we talked about her financial future. She has been married to her husband for about 13-14 years now and they have done “ok” financially but not enough to purchase a home. I’d purchase my first home in 2000, so I was explaining to her the process and things she should do to make homeownership a reality for her and her family.

Fast-forward eight years later, she is making more money than before. However, she is still living in an apartment and now going crazy with a busy 5 year-old son. She is still married and dealing with a new car note payment that her husband insisted on. He raised the issue that he had never owned a brand new car. So each tax year, they owe in taxes because they make to much money without having enough tax write-offs or deductions.

Without saying, “I told you so” I simply expressed concern and gave her some suggestions. I explained to her that like it or not, tax wise the government reward those who do things that they agree with for example owning property, a business, and/or having a family. Otherwise you pay a lot of taxes.
Is it to late for my friend to turn things around? No, not really but she has a lot of work to do. Most important, she has to make better decisions now to have the things she wants in the future.

Now decide to have an excellent day!

The Blame Game

Sponsored by: Women Obtaining Wealth- Dina Harbour
Women Obtainin Wealth &
W.O.W. Talk Show (Every Sunday @ 6P EST)

It amazes me the large number of women that choose to continue the journey of the “Blame Game”. I understand that many of us didn’t have the things we wanted growing up. I myself went through a car fetish in my twenties because my mother refused to buy me a car in high school. But as I grew into my womanhood/adulthood I had to take control of my decisions and try to educate myself about things I didn’t understand from my past.

With Women Obtaining Wealth we talk with our members and help them get through various obstacles that might be hindering them from pursuing their passion. I’ve noticed however, that people are comfortable repeating and living the “blame game.” I think what happens is that as long as it’s someone else’s fault for their misfortunes, they don’t have to do anything to heal themselves and move forward.

I’m not saying that outside circumstances don’t affect our lives. But what I am saying is that once something affects us, what do we do? I myself try to find away around it and this has served me well.

If you’re living the “blame game”, stop and redirect your thought process. Write down the cause of your blame and release it so that you can move beyond the anger, pain, and/or disappointment.


Now step up your game and be a winner!

Why Women, Especially African-Americans Need “Financial Education”

Written by: Dina Harbour
Women Obtaining Wealth,
W.O.W. on Blog Talk Radio (Every Sunday @ 6P EST)

Did you know?

• Half of African-American women say they are just getting by or struggling. Forty-one percent have household incomes of less than $30,000, compared with 33 percent of all women.

• Two out of three African-American women are solely responsible for their family's financial planning. African- American women are more likely to be solely responsible for their household finances in part because they are less likely to be married (54 percent of all women were married compared with 28 percent of African-American women).

• Only 41 percent of African-American women own their homes compared with 66 percent of all women. Most would like to own their own homes, but often don't know where to start.

• Forty-five percent of African-American women have children under age eighteen living in their household. Of those women, 42 percent are single mothers.

Here’s What I do:

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Google me! Yes, Google me! Dina Harbour. After you check me out and are ready to get started! Send me your full name, phone number, email address, and a date and time when we can talk for about 10 minutes. Currently I have Tuesdays, Wednesdays, and Fridays available between 10am – 12 noon, and 3:00p – 5:00p eastern standard time.
Send me an email at: dinaharbour@WomenObtainingWealth.com