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Operation HOPE Opens 200th HOPE Inside Location

Kim Anthony • Oct 07, 2022

Milestone Expansion of HOPE Inside’s Financial Coaching Model for Underserved Communities Coincides with Today’s Annual U.S. Treasury Freedman’s Bank Forum

By | October 4, 2022


Operation HOPE, Inc., the nation’s largest non-profit dedicated to financial empowerment for underserved communities, today announced that it has established its 200th HOPE Inside office location. This coincides with the U.S. Treasury Department’s Annual Freedman’s Bank Forum, featuring Vice President Kamala Harris and Secretary of the Treasury Janet L. Yellen and highlighting the Administration’s efforts to increase economic opportunity and growth for communities of color.


Inspired by the work of Operation HOPE and HOPE Inside and at the request of its Founder, Chairman and CEO John Hope Bryant, then-Treasury Secretary Jacob Lew established the annual Freedman’s Bank Forum and oversaw the renaming of the Treasury Annex Building to the Freedman’s Bank Building.


“Today, Vice President Harris and Treasury Secretary Yellen’s participation in the annual Freedman’s Bank Forum continues to highlight the nation’s efforts to support Black and minority-owned businesses and individuals by empowering them with the tools and knowledge to create their own wealth. Since the inaugural Freedman’s Bank Forum seven years ago, this good work has continued through three different Presidential Administrations.


We applaud the Treasury Department, Secretary Yellen and Deputy Secretary Adeyemo for recognizing the importance of the Freedman’s Bank mission and for continuing this legacy on behalf of the Biden Administration,” said John Hope Bryant, Chairman, Founder, and CEO of Operation HOPE. “We are proud of HOPE Inside’s parallel efforts to support low-income communities and communities of color in achieving financial empowerment. In reaching this distinct milestone of 200 HOPE Inside locations, we hope to continue building on this model, ultimately bringing our proven offerings and coaching skills to 1,000 locations across America in the next couple of years.”


Launched in March 1994, the award-winning HOPE Inside model serves clients including individuals, small business owners, disaster survivors and employees with personalized coaching and financial education to equip them with knowledge and tools to create a secure future. Programs and services are offered at no cost to the client and are administered across 200 office locations, which serve an additional 600 satellite sites. HOPE Inside locations are situated inside major bank branches to support individuals and small business owners, and inside corporations and municipal offices to serve as a resource and benefit to employees.


The latest location is in partnership with a leading commercial bank in a community with an average credit score significantly below the national and regional averages. Operation HOPE has partnered with global corporations including Delta Air Lines, UPS and Uber as well as leading global financial institutions including Bank of America, Wells Fargo, Truist, US Bank, and Santander and regional banks including First Horizon, Regions and Fulton to deliver HOPE Inside programming and services for customers and employees.


As of the end of last year, HOPE Inside has served more than 4 million clients through offerings including credit and money management coaching, mortgage application assistance, entrepreneur and small business training, financial disaster preparation and recovery, and youth financial literacy programs.


HOPE Inside has worked to increase social mobility and intergenerational wealth by assisting clients on their path to homeownership through securing more than $2 billion in mortgages. HOPE Inside has also helped clients increase credit scores by an average of 46 points, reduce debt by an average of $2,600 per client, and increase savings by an average of $300 per client in one year. In addition, HOPE Inside has assisted entrepreneurs and small business owners of color to secure significant funding for their enterprises.


Inspired by the model of the Freedman’s Bank, the post-Civil War savings bank created to support the financial futures of the formerly enslaved, HOPE Inside continues to address the financial needs of low-income communities and communities of color. Today, HOPE Inside operates in nearly all of the same states where the Freedman’s Bank operated in the post-Civil War Reconstruction era, and it has accelerated its growth in the post-COVID and racial reckoning period spanning the last two years.

About Operation HOPE, Inc.


Since 1992, Operation HOPE has been moving America from civil rights to “silver rights” with the mission of making free enterprise and capitalism work for everyone—disrupting poverty for millions of low and moderate-income youth and adults across the nation. Through its community uplift model, HOPE Inside, which received the 2016 Innovator of the Year recognition by American Banker magazine, Operation HOPE has served more than 4 million individuals and directed more than $3.2 billion in economic activity into disenfranchised communities—turning check-cashing customers into banking customers, renters into homeowners, small business dreamers into small business owners, minimum wage workers into living wage consumers, and uncertain disaster victims into financially empowered disaster survivors.


Operation HOPE recently received its eighth consecutive 4-star charity rating for fiscal management and commitment to transparency and accountability by the prestigious non-profit evaluator, Charity Navigator. For more information: OperationHOPE.org. Join the conversation on social media at @operationHOPE.


By Kim Anthony 25 Oct, 2022
For almost every senior, exercise can be an important part of maintaining overall health, well-being, and longevity. Beneficial exercises and activities exist for every age group and health and fitness level. Adopting a regular workout routine can help you combat the effects of aging . And it can help you maintain your youthful vitality, sharpen your mind, and enhance your joy for life. For a senior, exercises completed daily can also help improve immune function and allow you to live with less pain and more mobility. Plus, they can help you maintain or lose weight after 60 (if necessary) in a safe, healthy, and sustainable way. And those benefits can result in being able to reduce your healthcare spending and extend the amount of time that you're able to live independently at home, in a retirement community, or at an assisted living facility. So take a moment right now to uncover all of the great reasons why you should start a fitness program. Learn about the currently recommended guidelines for your age group, find exercises that you can incorporate into your routine, and watch examples. Plus, explore tips for successfully keeping your health and fitness goals on track and check out some books and equipment that can help you get started! The Importance of Senior Fitness Today's seniors are more vital than ever before. And good exercise is just as important for them as it is for people in any other age group. In fact, a 2013 study in Population Health Management found that senior exercise programs helped improve the overall quality of life for those who regularly participated in them. Exercise was actually found to be more important than a healthy diet. Specifically, the study found that seniors who exercised regularly were more likely to have: Improved physical and mental health Increased energy Improved social interactions Slowing or reversal of overall declining health Fewer limitations with daily activities Lower risk of depression Fewer falls and injuries Lower rates of hospitalization Lower rates of chronic disease (or more manageable symptoms for those who are already affected by it) So, as you can see, there are many great benefits to beginning a regular workout routine. Continue reading the following sections to discover some of your fitness options and explore a few exercise videos for seniors. Recommended Guidelines When It Comes to Exercises for Seniors For adults who are 65 or older, don't have any limiting health concerns, and are generally fit, the Centers for Disease Control and Prevention (CDC) recommends a minimum of 150 minutes of moderate-intensity aerobic exercise per week (or 75 minutes of vigorous-intensity aerobic exercise). Seniors who want to achieve even greater health benefits can up their moderate-intensity exercise to 300 minutes a week or vigorous-intensity exercise to 150 minutes a week. The CDC also recommends taking part in muscle-strengthening exercises that work all major muscle groups at least two days per week. Aerobic exercise—also called cardio—is any activity that makes you breathe harder and raises your heart rate. It includes activities like mowing the lawn or shoveling snow, as long as you're doing the activity for a minimum of 10 minutes at a time. Doing it at moderate intensity means that you should still be able to talk. An example would be going on a brisk walk. Exercising at a vigorous intensity means that you would only be able to speak a few words without having to stop what you're doing. Muscle-strengthening exercises are just as important as aerobic exercises. They can help you maintain your muscle and bone mass and slow down common age-related ailments like back and joint pain. When you do any strengthening exercise, you want to try to do eight to 12 repetitions before you take a break. Then, you should try to repeat that two or three more times. Depending on your current fitness level, you may not be able to start or complete that kind of routine, but you can work up to it and eventually get there. Types of Senior Exercise You have a lot of options when it comes to the best exercises for seniors. And that's great because it's important to do a variety of activities. Not only does it help keep different parts of your body healthy, but it also helps keep your workouts interesting and fun. Keep reading to discover different workouts, including chair exercises and others that can be completed from almost anywhere.Balance Exercises These exercises are important for fall prevention because they help you improve your ability to control your body. They can also help build your lower body strength, which is important for maintaining and improving your stability. When you do any balance exercises, be sure to have a sturdy chair or surface nearby so that you have something to hold on to if you become unsteady. Also, do a combination of exercises for both standing and moving balance. Check out these three exercises that you can try out: 1. Standing on one foot Stand behind a sturdy chair and place your hands on it for balance. Lift one leg up so that your foot is off the floor. Hold that position for 10 seconds (or less if you can't hold it for that long). Repeat that motion 10 to 15 times and then switch to your other leg and do the same thing. Try to repeat the whole routine two or three more times. 2. Walking heel to toe To help you maintain balance during this exercise, place your arms straight out from your sides. You can also do this exercise in a hallway or near a wall. Start by placing the heel of your one foot directly in front of the toes of your other foot. Focus your eyes on a spot in front of you to help you maintain your balance. Step forward with your back foot and place your heel directly in front of your toes on your other foot. Repeat until you have taken 20 steps. 3. Knee marching Place a sturdy chair in front of you so that you can use it for support if needed. Place your arms at your sides and stand with your feet shoulder width apart. Raise one knee up as high as you comfortably can. Lower it and then raise your knee on the other side in the same way. Repeat the above steps up to 20 times. Endurance Exercises Endurance exercises increase your breathing and heart rate and help you maintain and improve your strength, mobility, stability, and balance. They also help you burn fat and improve your energy levels. All of that can make you feel better, stay healthier, and manage everyday activities more easily. Try to complete endurance exercises at least three days a week. Start by participating in an endurance activity or exercise for 10 minutes at a time. Then, try to eventually work up to 30 minutes. Warm up and cool down after your endurance training by stretching or walking lightly to prevent muscle strains and injuries. Also, make sure to drink lots of water, dress appropriately, and wear proper shoes. If you get dizzy or so winded that you're not able to talk, then take a break and reduce your intensity level. You can also get a heart rate monitor to ensure that you're not working out too hard. Plus, remember: Before starting any exercise program, check with your doctor, especially if you're concerned about exercising with certain conditions or diseases, such as heart disease or diabetes. There are many ways to endurance train. Here are some examples: Indoors: Use an elliptical machine or treadmill at home or in the gym, or attend dance or aquafit classes. Outdoors: Go for a brisk walk or jog, ride a bike, or go skating. Household activities like gardening, shoveling snow, and raking leaves can also count as endurance activities as long as your breathing and heart rate increases and you do the activity for at least 10 minutes. Any activities that meet those criteria are considered endurance exercises. Flexibility Exercises Maintaining and improving your flexibility helps you feel better and can reduce your muscle aches and pains. Routines that improve your flexibility can also make engaging in other exercises and activities easier and more enjoyable. That's because stretching increases your range of motion, and it can also improve your posture and relieve arthritis, back pain, and joint aches and pains. It's recommended that you perform stretches and flexibility exercises at least two to three times per week. However, if you're experiencing soreness after an injury or surgery, then you may want to stretch up to three times a day. (Just be sure to check with your doctor first.) When you begin a stretching routine, warm up slowly. Start with gentle stretches first to help prevent pulling muscles. Try to stretch all of your muscle groups from head to toe. As you do your stretches, make sure that you're not bouncing, holding your breath, or locking your joints. And if a stretch or flexibility exercise is ever painful, then you may be stretching too hard or far. In that case, ease off a little until the pain goes away. If you're ready to start some flexibility training, then check out the following stretches: 1. Shoulder and upper back stretch Get into a seated position on a chair. Ensure that you're sitting straight with both feet planted firmly on the floor. Bring the palms of your hands together in front of your chest—as if you're praying—and take in a deep breath through your nose at the same time. Draw your breath in all the way down to your abdomen. As you slowly exhale, bring your arms out to your sides—with your palms facing out—and then raise your arms over your head. Begin to inhale as you bring your arms back down and go back into your original position with your palms together in front of your chest again. Repeat the stretch at least 10 times. Increase the intensity of the stretch by putting on light wrist weights. 2. Back stretch Sit on a sturdy chair with armrests. Position yourself toward the front of the chair and make sure that your feet are flat on the floor about shoulder width apart. Keep your spine and neck as straight as possible. Place your left hand on the left arm of the chair. Place your right hand on the top of your right thigh. Keeping your hips firmly planted on the chair, slowly start to twist to the left from your waist and turn your head to the left. Twist as far as you comfortably can without lifting your hips. Hold that position for 10 to 30 seconds. Slowly return to a forward-facing position and repeat the above steps on the right side. Repeat the entire stretch routine three to five times. 3. Back of thigh stretch Lie flat on your back on the floor. Bend your left knee so that your left foot is flat on the floor. Raise your right leg into the air while keeping your knees slightly bent and your head and shoulders flat on the floor. Hold on to your right leg with both of your hands. You can hold your leg behind your thigh, knee, or calf depending on which position is the most comfortable for you. Slowly pull your right leg toward your body until you feel a stretch in the back of your leg. If it hurts, then ease off a little. Hold that position for 10 to 30 seconds and then lower your right leg back to the floor. Repeat at least three to five times and then do the same steps and repetitions with your left leg. Muscle-Strengthening Exercises Strength training helps you build and strengthen your muscles, which can make a huge difference in your everyday life. It also helps you maintain your bone mass, which can prevent conditions like osteoporosis and arthritis. In addition, strength training can promote good posture, which can result in fewer muscle aches and pains. So there are a lot of good reasons to incorporate strength-building exercises into your fitness routine. As with any exercise, make any necessary adjustments for your fitness level and health conditions. Be sure to warm up and cool down with stretching or light walking before and after strength training. And, while performing your exercises, practice good posture, don't hold your breath, and stop any exercises that cause you pain. It's recommended that you try to strength train two to three times per week. Alternate different muscle groups with each workout to balance your training. Here are some example exercises to get you started: 1. Bicep curl Bicep curls require two dumbbells. Make sure that they're suitable for your current strength level. For beginners, three- to five-pound weights are usually enough. Sit in a sturdy armless chair and ensure that you have good posture. Place a dumbbell in each hand, relax your shoulders, and let your arms fall to your sides with your elbows close to your body and your palms facing out. With your elbows at your sides, bend them and lift your dumbbells three-quarters of the way up to your shoulders and then slowly lower them again. Repeat 10 to 12 times. Have a short rest and then repeat the steps over again two or three more times. 2. Lunges If you're unsteady on your feet, do this exercise with a chair or wall nearby. Stand with your feet about shoulder width apart. Place your arms at your sides or place your hands on your hips. Keep your back straight and step forward with your right foot. Push back with your right foot so that you return to your original standing position. Repeat those steps 10 times and then do the same with your left leg. Take a short rest and then repeat the entire sequence two or three more times. 3. Straight leg raises Lie flat on your back on the floor and engage your abdominal muscles. Lift your right knee up toward your chest while keeping your left leg on the floor. Be sure to keep your hips straight and don't lift them off the floor. Straighten your right leg and then slowly bring it back to the floor. Repeat 10 times with your right leg and then do the same with your left leg. Repeat the entire sequence two or three more times. Exercise Classes to Consider Joining exercise classes or groups can be another great way to get in shape while getting out of the house and socializing. Many classes involve a variety of workouts, giving you a bit of balance, endurance, flexibility, and strength training all in one session. Along with giving you a good workout, classes can also help your exercise regime stay interesting and fun. Take a look at places like the YMCA or other local fitness, community, or senior centers to see what kinds of programs are offered. Depending on where you live, there could be a lot of classes, clubs, and groups that are specifically designed for seniors. You could take part in activities like: Cross-country skiing Dancing Nordic walking Pilates Spinning (indoor cycling) Step aerobics Swimming Tai chi Tennis or golfing Yoga Zumba Free Exercises on YouTube There are literally hundreds—if not thousands—of exercise channels on YouTube that you can view on a computer or mobile device. Some of them are targeted to seniors, and others offer exercise videos to people of all ages and fitness levels. Here are some of the more popular choices: BeFIT Curtis Adams Eldergym National Institute on Aging Tips for Getting and Staying Fit Incorporating daily exercise into your life can be simple and fun. There are many ways to improve and maintain your health. But it's important to find the approaches that work best for you. So check out the tips below. They can help you start achieving your health and fitness goals. 1. Eat healthy, nutritious food and drink lots of water. When it comes to senior fitness, fueling your body with good food and staying hydrated is one of the most important steps to take. It helps keep your body energized and feeling strong, which makes working out much easier. 2. Take part in a variety of exercises and activities. Join exercise classes and find free or inexpensive activities in your community. Changing up your routine makes exercise more interesting, and it helps ensure that you're working all of your major muscle groups. 3. Create a schedule and keep track of your activities. Pick a day every week to sit down and plan your exercises and activities for the next seven days. Include in-home workouts, classes, and any other activities and outings that count as exercise, such as mowing the lawn or walking around a shopping mall. It will be easier to commit to your fitness program if you write it down and keep it in a visible spot such as the fridge door or kitchen table. 4. Plan to complete your exercises or activities at the times of day when your energy is the highest. You'll be setting yourself up for greater success if you exercise when you feel your best and have the most energy. 5. Ask your friends and family for support. And ask them to join you. Having a support system can be key to keeping your fitness program on track. Along with helping you stay accountable, spending time and staying fit with your family members is also enjoyable. 6. Cut back on your workouts or reduce their intensity if you're excessively sore or in pain afterwards. It may be a sign that you're working too hard for your fitness level. Working out at the right level is more enjoyable, which means that you're more likely to stick to your routine and less likely to incur workout-related injuries. 7. Stay positive. You may find that there are things you can't do, but there's still probably a lot that you can do. So focus your mind on all of the great things you can do to keep in shape. And praise yourself for creating a workout routine and sticking with it. 8. Talk to your doctor if you have any concerns. If you have any health conditions, disabilities, or physical limitations that you're concerned about, then be sure to speak with your doctor before beginning any kind of exercise.
By Kim Anthony 17 Oct, 2022
Intermittent fasting is an eating plan that switches between fasting and eating on a regular schedule. Research shows that intermittent fasting is a way to manage your weight and prevent — or even reverse — some forms of disease. But how do you do it? And is it safe? What is intermittent fasting? Many diets focus on what to eat, but intermittent fasting is all about when you eat. With intermittent fasting, you only eat during a specific time. Fasting for a certain number of hours each day or eating just one meal a couple days a week, can help your body burn fat. And scientific evidence points to some health benefits, as well. Johns Hopkins neuroscientist Mark Mattson , has studied intermittent fasting for 25 years. He says that our bodies have evolved to be able to go without food for many hours, or even several days or longer. In prehistoric times, before humans learned to farm, they were hunters and gatherers who evolved to survive — and thrive — for long periods without eating. They had to: It took a lot of time and energy to hunt game and gather nuts and berries. Even 50 years ago, it was easier to maintain a healthy weight. Johns Hopkins dietitian Christie Williams, M.S., R.D.N., explains: “There were no computers, and TV shows turned off at 11 p.m.; people stopped eating because they went to bed. Portions were much smaller. More people worked and played outside and, in general, got more exercise.” Nowadays, TV, the internet and other entertainment are available 24/7. We stay awake for longer hours to catch our favorite shows, play games and chat online. We’re sitting and snacking all day — and most of the night.” Extra calories and less activity can mean a higher risk of obesity, type 2 diabetes, heart disease and other illnesses. Scientific studies are showing that intermittent fasting may help reverse these trends. How does intermittent fasting work? There are several different ways to do intermittent fasting, but they are all based on choosing regular time periods to eat and fast. For instance, you might try eating only during an eight-hour period each day and fast for the remainder. Or you might choose to eat only one meal a day two days a week. There are many different intermittent fasting schedules. Mattson says that after hours without food, the body exhausts its sugar stores and starts burning fat. He refers to this as metabolic switching. “Intermittent fasting contrasts with the normal eating pattern for most Americans, who eat throughout their waking hours,” Mattson says. “If someone is eating three meals a day, plus snacks, and they’re not exercising, then every time they eat, they’re running on those calories and not burning their fat stores.” Intermittent fasting works by prolonging the period when your body has burned through the calories consumed during your last meal and begins burning fat. Intermittent Fasting Plans It’s important to check with your doctor before starting intermittent fasting. Once you get his or her go-ahead, the actual practice is simple. You can pick a daily approach, which restricts daily eating to one six- to eight-hour period each day. For instance, you may choose to try 16/8 fasting: eating for eight hours and fasting for 16. Williams is a fan of the daily regimen: She says most people find it easy to stick with this pattern over the long term. Another, known as the 5:2 approach, involves eating regularly five days a week. For the other two days, you limit yourself to one 500–600 calorie meal. An example would be if you chose to eat normally on every day of the week except Mondays and Thursdays, which would be your one-meal days. Longer periods without food, such as 24, 36, 48 and 72-hour fasting periods, are not necessarily better for you and may be dangerous. Going too long without eating might actually encourage your body to start storing more fat in response to starvation. Mattson’s research shows that it can take two to four weeks before the body becomes accustomed to intermittent fasting. You might feel hungry or cranky while you’re getting used to the new routine. But, he observes, research subjects who make it through the adjustment period tend to stick with the plan, because they notice they feel better. What can I eat while intermittent fasting? During the times when you’re not eating, water and zero-calorie beverages such as black coffee and tea are permitted. And during your eating periods, “eating normally” does not mean going crazy. You’re not likely to lose weight or get healthier if you pack your feeding times with high-calorie junk food, super-sized fried items and treats. But what Williams likes about intermittent fasting is that it allows for a range of different foods to be eaten — and enjoyed. “We want people to be mindful and take pleasure in eating good, nutritious food,” she says. She adds that eating with others and sharing the mealtime experience adds satisfaction and supports good health. Williams, like most nutrition experts, regards the Mediterranean diet as a good blueprint of what to eat, whether you’re trying intermittent fasting or not. You can hardly go wrong when you pick complex, unrefined carbohydrates such as whole grains, leafy greens, healthy fats and lean protein. Intermittent Fasting Benefits Research shows that the intermittent fasting periods do more than burn fat. Mattson explains, “When changes occur with this metabolic switch, it affects the body and brain.” One of Mattson’s studies published in the New England Journal of Medicine revealed data about a range of health benefits associated with the practice. These include a longer life, a leaner body and a sharper mind. “Many things happen during intermittent fasting that can protect organs against chronic diseases like type 2 diabetes, heart disease, age-related neurodegenerative disorders, even inflammatory bowel disease and many cancers,” he says. Here are some intermittent fasting benefits research has revealed so far: Thinking and memory. Studies discovered that intermittent fasting boosts working memory in animals and verbal memory in adult humans. Heart health. Intermittent fasting improved blood pressure and resting heart rates as well as other heart-related measurements. Physical performance. Young men who fasted for 16 hours showed fat loss while maintaining muscle mass. Mice who were fed on alternate days showed better endurance in running. Diabetes and obesity. In animal studies, intermittent fasting prevented obesity. And in six brief studies, obese adult humans lost weight through intermittent fasting. Tissue health. In animals, intermittent fasting reduced tissue damage in surgery and improved results. Is intermittent fasting safe? Some people try intermitting fasting for weight management, and others use the method to address chronic conditions such as irritable bowel syndrome, high cholesterol or arthritis. But intermittent fasting isn’t for everyone. Williams stresses that before you try intermittent fasting (or any diet), you should check in with your primary care practitioner first. Some people should steer clear of trying intermittent fasting: Children and teens under age 18. Women who are pregnant or breastfeeding. People with diabetes or blood sugar problems. Those with a history of eating disorders. But, Williams says, people not in these categories who can do intermittent fasting safely can continue the regimen indefinitely. “It can be a lifestyle change,” she says, “and one with benefits.” Keep in mind that intermittent fasting may have different effects on different people. Talk to your doctor if you start experiencing unusual anxiety, headaches, nausea or other symptoms after you start intermittent fasting. This article originally appeared on John Hopkins Medicine .
By Kim Anthony 14 Oct, 2022
1. "In terms of my profession, I'm passionate about financial literacy. I want to live in a financially literate society. I want kids to understand the importance of savings and investing. I want to try to replicate the great savers who came out of the Depression, the best savers the country has ever seen. It's crucial that people understand the importance of financial literacy, because it's actually life saving. 2. I always felt very insecure financially as a child. I was desperate to understand money as a child. I was desperate to be secure. Because I always felt like the rug could be pulled from under me. 3. I’ve told stories about people coming to my office and giving me their coats and requesting that I hang them up and get coffee – which I dutifully do. And then I come in and sit at the head of the table. It’s awkward. 4. Being aware of challenges doesn’t make them sting less, but once you see them, you can assess the best way to handle them. 5. "Don't be color blind, be color brave. Embrace diversity as a competitive advantage." 6. Invite people into your life who don't look or act like you. You might find they challenge your assumptions and make you grow. 7. "I know many members of our community steer clear of Wall Street because of the perception that the stock market is risky, but I am convinced the biggest risk of all is not taking one." 8. "It took me a long time to be as brave in my personal life as I was in my professional life to be brave in love means opening yourself up to the possibility of heartbreak." 9. When people look at all the things I do, they say it’s overwhelming, but I don’t feel overwhelmed. I get it done. I’m very organized, and it’s all tied together. 10. "Sometimes you have to crouch to conquer."
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