"What the mind can conceive and believe, it can achieve." — Napoleon Hill

About Me - Jo Ann Brown

This is me.

Jo Ann Brownhttp://money-tutor.webs.com

I wasn't born with a "Silverspoon"

In my mouth

I was once very, very poor.

A cotton field

Is where I spent my early childhood - every summer.

At age 5, I picked 50 lbs of cotton a day.

At age 10, I picked 300 lbs of cotton a day.

We carried the cotton on our backs from the field to be weighed.

Everybody said - "You are a hard worker."

Earnings Went To My Mother - $3 Per Hundred Pounds

We had nothing.

No Indoor Plumbing

We pumped water from a well and brought it into the house.

No Indoor Bathroom

Slop Jar

This was our toilet. We urinated and had stools in a slop jar at night.

Outhouse

Daytime toilet

No Indoor Bathroom

Bathtub

Every child took a bath in the same water. Girls were first.

I didn't know that I was poor. Because everybody in my neighborhood lived like this.

My mother preached everyday.

Go To College

LincolnUniversity

All 5 college graduates attended this University.

So you don't have to live like me.

In 1969, the families believed in helping each other.

My brother-in-law said to me -Gal, you're gonna mess up

your life - "Come and live with us."

Eye Opener

At age 15, year 1969, my sister let me move from Wardell and live with her.

I Moved To Florissant, MO

Excellent Schools & Beautiful Homes

But,I Had No Social Life

Hazelwood Central H. S.

1969 -1971

19 blacks5,000 whites

Church - Two Times a Week

Wagner Ave -Church of Christ

Thursday night bible class

Two services on Sunday

Babysitting - My First Business(50 cents an hour)

I Learned How To Save and InvestMy Babysitting Income

College Education FundI saved a $1,000

and

I bought a stereo and a television.

I Also Started A Hope Chest With Money From Babysitting.

And, filled it with every thing I'd need for a house.

One day, at age 16, my oldest brother - "June Bug"

Came to Florissant and visited us with a friend.

The friend told us, his wife's parents gave them $10,000

as a wedding gift.

That's when it happened

I started dreaming about what I could do to help my children

get started.

College Bound!

My brother-in-law said(more words of wisdom)

You can graduate from college in 2 1/2 years.

So, That's What I Did.

I enrolled into college January 1971 and graduated May 1974.

I completed a one year intership with McDonnell Douglas during that time.

I Learned How To Set Goals

Colleges use to charge a flat fee per semester.

The fee was based on taking 12 hours.

Anything over 12 hours, you didn't have to pay for.

So, I would enroll for 12 hours at the beginning of the semester and summer school.

Then, I would add additional hours.

I took as many as 23 hours during the semester and 15 hours during summer school.

I received 13 job offers!when I graduated from Lincoln University - Jefferson City, MO

My Reward!

I chose to work for -

The General Accounting Office

Reason #1

Opportunity to Travel

Reason #2

Job Security - No Layoffs!

Got Married

Bought A House

Started A Family

Next Business - Rehab Property

Ah Hah Moment #1

Create Passive Income

Ah Hah Moment #2

Give my children a

house.

My Success

I have given both children a house and a car.

Goals help you achieve anything.

My New Inspiration - Barack Obama

Giving Back

ToThe

Community

Personal FinanceWhat They Don't Teach In School

Changing An Old Belief:

"I Don't Understand Finance"

To A New Belief:

"Yes I Can"

Classes, Seminars, Workshops...

http://money-tutor.webs.com

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