The Secrets Of Earning Money Show

As Self-Improvement Month comes to a close, this episodes focuses on 5 steps to help you achieve more. Listen to this episode to get tips that will help you move closer to your goals.

In this world filled with endless opportunities and distractions, achieving more can sometimes feel like a serious challenge. Many of us have dreams and aspirations, but transforming them into concrete achievements often requires a clear and actionable plan.

This is where the "The 5-Steps to Achieving More", a simple roadmap, comes into play:

1. Create specific goals
2. Create actionable tasks
3. Create a workable schedule
4. Avoid social media overload
5. Get outside or expert help

When creating specific goals you may want to use the SMART criteria (Specific, Measurable, Achievable, Relevant, and Time-bound), which can help ensure that your goals are not merely wishes but concrete targets. Next you'll want to prioritize your actionable tasks to make sure you're always moving forward, inching closer to your desired goals. Then you should move on to time-blocking techniques, setting boundaries, and identifying your most productive hours to optimize your daily schedule. Because a well-structured schedule harmonizes with your goals, and can turn each day into a step towards achievement. Also, by implementing strict usage limits, on social media you regain control over your time and attention, ensuring that social media remains a tool rather than a distraction. Finally, since success isn't something we usually achieve by ourself, seeking assistance and guidance from external sources will help us to accelerate our timeline.

Networking, identifying mentors, and consider outsourcing the tasks where expertise is lacking. These steps serve as a guideline for those of us on a journey to achieve our definition of success. And, by following these key principles, you empower yourself to navigate the complex landscape of personal and professional growth, making your dreams a reality.

This is Life Insurance Awareness Month, and in this episode we are talking about the use of Life Insurance and Real Estate Investing. Listen to learn how it can assist you in building your real estate portfolio.

Real estate investing can be a lucrative path to financial success, but it often requires substantial capital, typically in the form of loans. As investors navigate the ever-changing landscape of the real estate market, safeguarding their investments is paramount. This is where business loan insurance steps in as a key financial instrument.

Business loan insurance, also known as collateral loan insurance, is a risk management tool that provides financial protection to investors and their loved ones. It serves as a safety net in the event of unforeseen circumstances, ensuring that real estate investments remain intact and profitable.

By safeguarding their assets and leveraging the power of insurance, investors can navigate the real estate market with confidence. This sense of security enables investors to make strategic decisions, whether it's acquiring additional properties or investing in renovations and improvements that can increase property value and help them achieve their financial goals.

This is Self-Improvement Month and we are celebrating all month long! In this episode we talk about continuous learning to help you thrive in business. If you want to learn how knowledge is power in business, then you'll want to listen to this episode.

Continuous learning is not a luxury it is a necessity in business. Our business environment is constantly changing, and faster than ever before. The one thing we can be sure of is as thing changes we need to change, or we'll go out of business.

As technology advances and we go through journey through unchartered territory, beginning with AI, and ending with who knows what, as business owners we must adapt to stay relevant and competitive. The only way we can do this is through continuous learning.

Continuous learning will enable entrepreneurs and small business owners to be aware of, and prepare for, predicted future industry trends. Allowing entrepreneurs to acquire new knowledge and skills that will empower them to make informed decisions, as well as solve complex problems, so they can stay ahead of their competitors.

So entrepreneurs and small businesses should embrace learning to thrive in business, and become the best versions of themselves. As the road to success in business, and life, is paved with an unwavering commitment to self-improvement through continuous learning.

In this episode, we delve into a topic that often flies under the radar but is an essential component of a solid financial plan—life insurance. Our host will help you grasp its significance, the two main types of life insurance, and how to choose the right coverage for your unique needs.

Life insurance is more than just a policy; it's a promise—a promise to protect your loved ones financially in the event of your passing. We'll explore real-life stories that underscore how life insurance has provided much-needed support during times of emotional and financial distress.

You'll gain clarity on the distinctions, benefits, and scenarios where each type shines and the insights needed to make informed decisions about life insurance. It's not just about securing a financial safety net; it's about providing peace of mind for yourself and your loved ones.

Happy Self-Improvement Month! We've been gone for a while but now The Secrets of Earning Money Show is back. We have been offline focusing on resolving to identity theft and technology issues. Over 100,000 identity theft and personal data breaches occur every year according to the FBI. And many similar crimes are believed to go unreported. Financial identity theft is the most common form of identity theft. The biggest targets for identity theft are children, mega social media users, high-income earners and the elderly. Identity theft is most often committed by a family member.

Here are some proactive steps to safeguard your digital identity:

• Strong passwords: Creating and managing secure passwords.
• Two-factor authentication: Why it's essential for added security.
• Privacy settings: How to control your online presence on social media.
• Identity monitoring services: Tools to keep an eye on your digital identity.

Here are some steps to take if you become a victim of identity theft:

• Reporting the theft to the authorities and credit bureaus.
• Freezing your credit to prevent further damage.
• Disputing fraudulent charges and accounts.
• Restoring your compromised digital identity.

This is Women's History Month and we are celebrating all month long. In 2021 women started almost half of all businesses in America, we are literally driving the economy right now. It is time for us to own our accomplishments as business owners. According to the American Express Open, 2019 study, woman-owned businesses account for $1.7 trillion in revenue, employ approximate 9 million workers, and own over 11 million businesses. However we still have ways to go to level the business playing field approximately 4% of us operate a business making $1 million and only 2% of women-owned businesses receive venture capital funding. Listen to this episode to learn an alternative way to fund your business so you can achieve business success.

Securing funding for a business is challenging for all entrepreneurs, however according to a study from Visa, 66% of women-owned businesses have difficulty obtaining the funding they need. This is difficulty is increased by the fact that 44% of women-businesses are operated in low-growth industries, according to the National Women's Business Council (NWBC) Annual 2020 Report. To overcome the financing hurtle we will need to think creatively and start small, so the funding we do have is used effectively and give us the best chance for business success.

Although we've made great strides in business, studies show that we would rather talk about death than money. So as women, we must commit to changing how we think about money as well as how we manage money. We have all heard the saying "what you focus on will grow" so if we women want our money to grow then we are going to have to start focusing on it and making good money management a habit. We can do this by taking classes, reading books and joining groups focused on financial success. There are many resources available to women business owners, and aspiring business owners, such as the Women's Business Center, NASDAQ Milestone Circles, U.S. Women's Chamber of Commerce, SCORE, SBDC, and your local Economic Development Department. 

This is Life Insurance Awareness Month and we are closing out "Insure Your Love Month"  talking about Funeral Life Insurance Trusts and Final Expense Life Insurance. Listen to this episode to learn more about these types of Life Insurance and how they could benefit you and your loved ones. Remember Life Insurance is the Ultimate Love Letter you can leave to your loved ones.

Making end-of-life arrangements, in advance, for you or another family member can ease some of the difficult decisions, and financial burdens, for the love ones you leave behind. As many of us know, funerals can be expensive ranging from $2k - $15k so prepaying for some, or all of the expenses, helps relieve some emotional stress and financial pressures. Although Final Expense Life Insurance Policies have become more popular over the last few years, Funeral Insurance Trusts are still not common. 

Funeral Trusts can be revocable or irrevocable and are mostly used during crisis planning when a loved one is in need of long term care. Many middle class families that worked hard to acquire material and financial assets over the course of their lifetime to leave an inheritance for their heirs find out that when they unexpectantly fall ill and need long term care, they must sell off assets and spend-down their savings to qualify for Medicaid coverage if they did not purchase a Long Term Care Insurance Policy. An irrevocable Funeral Trust allows you to set aside money for your end-of-life expenses and is considered an excluded asset when qualifying for Medicaid coverage. Because Medicaid eligibility rules differ from state to state, we recommend speaking with a lawyer and insurance professional to help determine if a Funeral Trust is right for you.

Final Expense Life Insurance, also called Burial Insurance, is another option you can use to pay for end-of-life expenses too. A Final Expense Life Insurance Policy is usually issued as a Whole Life Insurance Policy with a low amount of coverage ranging from $5k - $50k, so you can have coverage for your entire life. Your loved ones can use the money, from your Final Expense Life Insurance Policy, to pay for funeral expenses or other final expenses, such as medical or legal, that need to be settled after your death. 

February is known as the Month of Love, and we're celebrating Self-Love. With Valentine's Day around the corner most people and businesses are focusing on the love between couples. However it is difficult to have and maintain a relationship, personal or business, without first possessing Self-Love. Listen to this episode as we talk about Self-Love and Self-Confidence so you can improve your most important relationship - the one you have with yourself - as well as cultivate and maintain relationships in every area of your life.

Some people mistake selfishness and self-centeredness for Self-Love and Self-Confidence. Selfishness and self-centeredness come from a place of lack and low self-esteem. It is primarily about you using people to get what you want regardless of the harm you do to them in the process. While Self-Love and Self-Confidence come from a place of abundance and high self-esteem. You make decisions that are in your best interest and take into consideration how it impacts others. Self-Love builds self-confidence, through self acceptance and self compassion, allowing you to overcome obstacles in both business and life as well developing mutually respectful relationships.

Love is both a word, a noun, and an action, a verb. So take some time during the Month of Love to increase your Self-Love and Self-Confidence by showing yourself some TLC (tender, love and care), attending courses, reading books and implementing what you learn. 

Books Mentioned: The Power of Positive Thinking by Norman Vincent Peale; Psycho-Cybernetics by Dr. Maxwell Maltz

February is Insure Your Love Month, also known as Life Insurance Awareness Month. Everyone knows about Life Insurance, however almost 50% of people still do not own a policy, and 26 million need more coverage than they have regardless of the income level. Listen to this episode as we talk about Life Insurance and why it is important to protect both your family and your business. 

The top reasons people do not purchase life insurance is price, other priorities and not knowing what type of coverage to buy. There are many different types of Life Insurance policies and there are advantages and disadvantages to each of them. There are two main types of Life Insurance, which are Term and Whole Life Insurance. Term Life Insurance has a low premium, which makes the policy more affordable, however it only lasts for a specific period of time ,such as 10 years, then you will have to purchase another policy. Whole Life Insurance has a higher premium but it does accumulate cash, so it is considered an asset, and will provide coverage until you reach age 121.

Take time to think about your family's needs, do some research on Life Insurance and talk with an insurance professional today. Remember that Life Insurance helps protect your loved ones financial future if something happens to you, and it will be remembered by them as your ultimate love letter. 

We all want to be as productive as possible so our business ventures can be successful. However, distractions always seem to arise and sometimes take us completely off track. Since distractions are a part of life and business there is no way around them. But we still need to be produce to maintain our business and achieve our goals. Listen to this episode as we talk about tips to for handling distractions and still being productive.

As business owners and entrepreneurs many of us define productivity as getting things done and achieving our goals. Many of us create a list to keep track of all the activities we need to perform. In order for us to feel that we are productive we must complete all, or the majority, of the tasks on our list. When we are unable to complete all, or some, of the listed activities many of us often feel that we have not been productive regardless of how many tasks were on our list. 

What we may want to consider is that there are only so many hours in day, and we may be underestimating how much time it actually takes to complete each task, especially if we are a one person show. In this case, our lack of productivity is not because of a lack of effort but in fact a result of improper scheduling and not having a team. If this is the case for you, as it is with many entrepreneurs and small business owners, then learning to schedule more efficiently as well as bringing on additional team members may be the solution to you satisfying your productivity goals.

This is the last week of the year and, as we close out this year, many of us have reflected on the past year and are getting ready to prepare for the New Year. Listen to this episode as we talk about tips to make next year your best year yet.

Hopefully you have already reflected on the past year, decided on the changes you need to make,  and started on making your plans for next year. As you do your planning be sure to include a "Plan B" for the obstacles that always seem to come up. Some of us repeat the same year over and over again, because we don't plan for the unexpected, though inevitable, obstacles life will most assuredly put in our path.  

Taking time to plan ahead as well as create an alternative plan to deal with possible obstacles, before they come up, will give you a better chance at achieving your goals. This will also help you become more adaptable when things come up that you don't have an alternative plan for. And, this one change could help propel you to your next level in the New Year.  

Business Networking: Saturday January 7th, 2023 from 9:30AM - 11:00AM  (Eastern) Black Women Empowering Finances is hosting it's first  networking event of the year. Be sure to join us as Profitability Expert Joyce Chesley Hayward, founder of Fusion 4 Business, will be speaking on making your  business profitable. Go to www.BlackWomenNetwork.org to register for  this event today.

The end of the year is near, and now is the time most of us start reflecting on what happened throughout the year. Listen to this episode as we talk about Reflecting On The Year as well as tips to help you both evaluate and celebrate it.

For some of us it was a good year and we achieved some or all of our goals. For others this year may have been challenging and therefore our goals, or the majority of them, may not have been met. As we take this time to look over our calendars and goal sheets we can see what we did right as well as what could've been done better. As we reflect on these things it is important for us to remember to celebrate the journey. 

We automatically celebrate what went right this year, such as achieving our goals, because we feel good. When things go wrong, such as not hitting our goals, many of us automatically replay the event over and over again mind. This process of replaying negative events can impact our thinking and turn us into our own worst critic. At this point we must take control over our thinking process to prevent us from becoming stagnant, or worse giving up all together. 

To take control of our thought process, we should focus on the tasks that need to be done and complete those tasks so we can create quick wins. By creating quick wins we rebuild confidence and create momentum to keeps us moving forward. We should also learn to celebrate the activity milestones we achieved along the way even if did not achieve our goals, because by investing our time and energy to learn why things didn't give us the results we wanted and the adjustments we need to make going forward so we can meet and exceed our goals the next time.

Business Networking: Saturday January 7th, 2023 from 9:30AM - 11:00AM (Eastern) Black Women Empowering Finances is hosting it's first networking event of the year. Be sure to join us as Joyce Chesley Hayward, founder of Fusion 4 Business, will be speaking on making your business profitable. Go to www.BlackWomenNetwork.org to register for this event today.

This is National Write A Business Plan Month and we are celebrating it all month long. As Entrepreneurs and Small Business Owners we always hear about the importance of writing a business plan but we rarely ever hear about the planning we should do before writing it. Listen to this episode as our host shares some tips and ideas on the planning you should do before the business plan so you can have both the business and life you dreamed of.

Your vision, your values and the people you surround yourself with make a difference between your business plan becoming a bookend on your shelf or an actual roadmap for business success. The vision you have for your business and your life will help you stay motivated when the tough times come, as Murphy's Law says "If anything can go wrong, it will go wrong". Understanding your values is important, because you need to know what is nonnegotiable for you in both life and business. 

Also, the people you surround yourself with is important, because the people you associate with will either be the wind beneath your wings helping you soar or will be the heavy weights that help you sink. If you are consistently surrounded by individuals that are negative, in time you will become negative. If you are constantly around positive individuals over time you will eventually become positive, and hopefully you're already positive so you will just become an even more positive person. And remember what Zig Zigler says "Your attitude, not your aptitude will determine your altitude", so control your personal environment by spending time with positive people and minimizing, or completely eliminating, the time you spend with negative people.

By taking time to plan, your life and business, before writing the business plan will allow you to have a plan that fits where you are right now and where desire to go in the future.

December is Write Your Business Plan Month, and in this episode we will talk about types of business entities and some basics to think about when writing your business plan. Be sure to listen to this episode for tips on important things small business owners should know, and keeping your business compliant. 

Most businesses are started at the kitchen table. We usually begin informally as independent contractors or freelancers. After we've made some money and start to believe we can turn what we've been doing into a real business, we make it legal and become Sole Proprietors. 

Over 70% of businesses in the U.S. are Sole Proprietorships. A Sole Proprietorship is the fastest and least expensive way to start a business. In some states if you do business using your own name then you are not required to have a business license, which means there are minimal barriers to keep you from starting a business. The good thing about a Sole Proprietorship is that you are in complete control and get to keep all the profits. But there is a disadvantage to being able to keep all the profits, and that is that the business owner's personal finances and the finances of the business are considered one in the same. And, because there is no separation when it comes to personal and business finances a Sole Proprietor could lose both there personal assets and business assets if legal problems were to arise.  

This is National Write A Business Plan Month! Are you excited to take the leap and finally start that business you've been thinking or dreaming about for some time now. Well you picked the right month start creating the essential document all businesses need - a Business Plan. I know the task of writing a business plan may seem like a lengthy process but it will help you clarify your ideas and the goals your have for your business. Listen to this episode to as our host gives some great tips and talks about 3 different types of Business Plans. 

Many of us this time of the year are looking back in awe and asking how did the end of the year get here so fast. We are taking this time, right now, to evaluate the goals we set for our self this year. We're looking at what we achieved. As well as what still needs to be completed that was on our goal list. Also, we are considering what we can do to make next year more successful and enjoyable than this one.

Happy Thanksgiving! Today serves as reminder for us to spend time with the people we care most about, family and friends. This is also a time to remember all the people and things we have that we should be grateful for. Many of us take for granted the things we've achieved in our life, the people who are always in our corner that love and accept us for who we are in spite of our flaws, as well as the things we have in our possession right now.

Sometimes we spend so much time focusing on what we don't have, what we've lost, or what we want for our future that we do not appreciate, or we forget ,to be thankful for our present. We should be grateful the simple things, as well as the big things in life, like having a place to live, food to eat, good health, family and friends that love us. There is no better time than now to forgive those that hurt you, to make amends with the people you've hurt, to forgive yourself for the mistakes and bad decisions you've made. Because as the saying goes "The past is the past, the future is a mystery and the present in a gift", take some time today to enjoy the gift of present and make cherished memories with those you hold near and dear. 

Events to help you take your business and life to the next level:

This is Global Entrepreneurship Month and we're celebrating all month long. This episode we talk about making sure your business is in good standing as we close out the year. Listen to this episode to make sure your business is in compliance to save you time, money and stress.

As Entrepreneurs and Small Business Owners we wear many hats, especially when we're starting out. We are are excited about having a business and usually so busy with running it's daily operations that we put off doing, what deem as important but not urgent, paperwork until the last minute. This is sometimes necessary but not always in our best interest. 

As business owners we should schedule time, regularly, to take care of paperwork that keeps your business in compliance with Federal and State laws. Now that the "End-of-Year" is near, there is no better time than right now to start getting your papers in order. At this time of year many businesses are beginning to organize their accounting information in preparation for filing taxes and their annual business insurance audits. Since these activities must be done annually, it might be a good idea to take time to create a checklist for your business, so keeping your business in compliance can become a little easier each year. 

This is Global Entrepreneurship Month and we are celebrating all month long! Entrepreneurship makes the world go round. They create and deliver the products or services we use everyday. Without Entrepreneurs we would still be lighting our homes with candles or riding horses and buggies instead driving cars, flying on airplanes and using lights powered by electricity in our homes. There is a lot to celebrate when it comes to Entrepreneurship. But there are also some things we should be aware  of when it comes to Entrepreneurship too. Listen to this episode as we talk about the top 3 reasons businesses fail and what you can do to overcome them. 

Many people become Entrepreneurs because they want time freedom, increased income and to follow our passion. The good news is you can have all of that as a Entrepreneur. However we must realize that there will be times when your income fluctuates, on the downside, and it feels like there's not enough time in the day to get everything you need to get done, done. This is when "mind over matter" is going to have to kick in, if you're going to make your business a success. Striving for balance in life and business is very popular right now. As Entrepreneurs however we need to understand, as well as prepare for, the times in our lives and business when we will most assuredly be out of balance.  During these times when we are overextending ourselves we must make time for self-care, even if we can only carve out 15 minutes. This is crucial to help minimize stress, keep you from burning out and allow you to maintain healthy relationships.

This is National Women's Small Business Month and we are continuing our celebration. Today we are talking about Women, Leadership & Business. Women owned businesses grow by and average of 84% and add $13 Trillion to the economy globally. And that number is expected to increase to $18 Trillion next few years. Leadership, as we have learned from many experts, is one of the keys to the rise or fall of a business. Be sure to listen to this episode for some great tips on how you can lead your team, while creating a more positive and productive environment.

Many of us commonly think of someone with a title as a leader. However, you can be a leader without a title. Your character and actions determine whether or not you're a leader. Have you ever noticed that whenever you're in a group setting, with people you don't know, that you seem to always be chosen as the presenter or head of the group. It is because of your character, and the manner in which you carry yourself, that caused the people in your group to see you as a leader. Everyday in our life we are leaders. We lead ourselves, and a lot of times we lead our business colleagues without intending to do so because someone is always watching, in this always connected world.  So spend time developing the leader inside of you to take your business, team and life to the next level.

October is National Women's Small Business Month and we are celebrating all month long. This month "The Secrets of Earning Money Show" will be highlighting Women Entrepreneurs and Business Owners daily on our social media platforms. In today's episode we talk about stats and tips on how women business owners contribute to the economy and things we can do to increase our chances creating a successful business. 

Approximately 50% of women-owned businesses are in three (3) industries - Other Services, Healthcare and Social Assistance, and Professional/Scientific Services. Women owned businesses generate over $1.8 Trillion in revenue and employ 8% of the workforce. We have made so great strides of the years, but with only 26 Women CEO's at Fortune 500 Companies, and 88% of Women Entrepreneurs generating less than $100k in revenue, we still have a long way to go to level the playing field in business. 

We Women are a driving force in the global economy. We account for 36% of all small businesses, yet we only receive 7% of venture capital funding. Many Women-Owned businesses are started from scratch. And 61% of Black Women Business Owners self fund 100% of their business start-up costs. There are many challenges all business owners face but studies show that some of the main challenges are lack or support, or encouragement, and access resources. There are many organizations that offer resources to help small business owners, and Women Business Owners specifically, to succeed. Be sure to reach out to the SBA (Small Business Administration, your local SBDC (Small Business Development Office), the Women's Business Chamber of Commerce, as well as many other Women Business organization for assistance and to connect with like minded Women Entrepreneurs. 

This is Life Insurance Awareness Month and we've been celebrating all month long. Today we are joined by a special guest Tianya Edgerton. Tianya is a 16 year veteran of the financial services industry and licensed in both insurance and investments. She is the proud owner of Tianya Edgerton State Farm Insurance Agency. In today's episode Tianya gives her top recommendations on Life Insurance. Listen now to find out why she says "Life Insurance is the gift that keeps on giving". 

Over 100 million Americans say they either don't have Life Insurance or do not have enough Life Insurance. And when asked, the number one reason they give is they believe Life Insurance is expensive. However according to Life Happens and LIMRA, most Americans overestimate the cost of Life Insurance by three times the amount it actually costs.  

Many say their family would experience financial hardship if the primary income earner unexpectedly passed away.  Yet, approximately 47% of American adults are delaying their purchase of Life Insurance. Knowing the negative financial impact your death could cause your loved ones should be enough to inspire you to take action and purchase a Life Insurance policy now, or if nothing else get an accurate quote. It costs nothing to call and speak with an agent, but it could mean everything to your family during their time of need.  

You can connect with Tianya Edgerton by visiting her website www.CoveredByTianya.com on Facebook: Tianya_Agency or call (703)751-1918.

This is Life Insurance Awareness Month, and we are celebrating all month long. Today we are joined by our expert guest Julian Wright. Julian is the founder of The Wright Agency Inc, and has over a decade of experience as a licensed insurance professional. He is passionate about educating people on the value of Life Insurance, helping you understand how to use Life Insurance as an asset, like rich people do, and not just as Life Insurance. Listen to today's episode to learn Julian's top recommendations on Life Insurance for businesses owners and entrepreneurs, as well as the life experience that fuels his passion for Life Insurance. 

You can connect with Julian Wright by giving him a call at (443) 948-0548 or sending an email to Julian@TheWrightAgency4U.com. Be sure to give Julian a call or send him an email if you would like more information about his workshops. 

National Self-Improvement Month is here! How are you celebrating Self-Improvement Month this September? If there's a change you would like to make in your life or business, what's stopping you from taking action? Well, in today's episode we'll talk about Self-Improvement and give you tips and resources to help you get off the Self-Improvement rollercoaster, and make Self-Improvement changes that last. 

Self-Improvement isn't as complicated or complex as the $11 billion dollar industry makes it seem. Self-Improvement is nothing more than you simply making a decision to change and then taking action to improve yourself, your life and or business. Your Self-Improvement journey should be personally selected by YOU not someone else.  

Many of us treat our goals for Self-Improvement like a rollercoaster ride, we're excited so we jump in a go full steam ahead then over time our excitement fizzles out. Then something gets us excited again, and we start the process all over. The problem is that many of us have not made the decision to make lasting change because the goal we chose was something other people or society as a whole told us we should make our goal. However, when we set a goal for Self-Improvement it needs to be a goal that we truly believe will make a difference in our life, and or our business, so we will have the fortitude to stick with it until our goal is achieved, so the change will be long lasting.

There are endless possibilities as to what YOU can choose for your Self-Improvement goal. It could be improved health, reading more, reducing stress, finding love, elevating your presentation or money management skills, learning something new, or finally finishing those important activities you been putting on the back burner for months, if not years. Whatever it is that you want to improve about yourself, in your life or in your business, there is no better time to get started than right now. As we are closing out the 3rd Quarter of the year, starting now gives you the opportunity to end this year strong. And it gives you a jumpstart on making next year your best year yet.

Here's a list of recommended books and courses: Lead The Field by Earl Nightingale; The Science of Achievement by Napoleon Hill; Think and Grow Rich by Napoleon Hill; Think and Grow Rich a Black Choice by Dennis Kimbro a The Napoleon Hill Foundation; Think and Grow Rich a Latino Choice by Lionel Sosa and The Napoleon Hill Foundation; Act Like a Success by Steve Harvey; Who Owns the Ice House by Clifton Taulbert; Multiple Streams of Income by Robert G Allen; The Success Principles by Jack Canfield; and Psycho-Cybernetics by Dr. Maxwell Maltz.

Also, if you would like to attend the Black Women Empowering Finances networking event on October 1st send an email to info@BlackWomenEmpoweringFinances.com or join the Facebook Group for more details.

September is Life Insurance Awareness Month and we'll be talking about Life Insurance all month long. Today's episode talks about why planning in advance and having a Life Insurance Policy in place is important, but even more so for women. Many of us think nothing of opening a jar of jelly, pouring a glass of water, feeding and dressing ourselves until something happens and either we or our loved one are unable to perform these simple daily living tasks. Doing financial and Life Insurance planning in advance can help ease any negative financial impact that may arise from a unexpected life changing event. Life changing events can happen at any time and, with the majority of people living paycheck to paycheck, one financial setback can make it extremely difficult to recover from. 

Studies show that 75% of caregivers are women and that women make up 65% of the elderly poor, which highlights the need for women to make financial literacy, as well as financial and insurance planning, a priority.  There is no limit to the amount of advice out there on insurance and financial planning. The key is creating a plan that is right for you and your financial situation. Don't just rely on the general advice given by influencers, both big and small.  Do your own research by reading books, taking classes, watching videos, talking to friends, and  sitting down with professionals that understand your unique circumstances so you can create a plan that works for you and your loved ones.

August is Black Business Month and we are celebrating all month. Today we are joined by a special guest Tina Jackson. Tina is a "Skincareologist", with over two (2)decades of experience as a licensed cosmetologist. She has overcome sickness, domestic violence and self-esteem issues and has become the Diva she once was by taking control of her mind and environment. Now, as a Mother, Grandmother, author and Entrepreneur she is on a mission to inspire girls and women to understand that true beauty is an inside job, as well as leave a legacy of love.  

Many people in our society equate their value, or worth, with their looks or the balance in their bank account. However, a person's true worth is the content of their character. Material things are nice, they make you comfortable, and make life more enjoyable. But at the end of the day, it's just stuff that can be completely wiped away in the blink of an eye by a sudden catastrophe. Having perfect hair, perfect makeup and designer clothes may make you look good on the outside, and win the admiration of others, but it doesn't necessarily make you will feel good internally. True beauty and happiness is an inside job, it comes from how you feel about yourself not the things you own, clothes you wear, the balance in your bank account, or what other people say or think about you. On of my favorite quotes, from Eleanor Roosevelt, is "No one can make you feel inferior without your consent" is a phrase that will help you remember all the great things you have to offer this world. And, if the people you're keeping company with don't appreciate or recognize what's great about you, then find a new group of people to surround yourself with that do.

This is Black Business Month and we are celebrating all month long. Black Women are the fastest growing group of entrepreneurs. However, accessing resources, building a network, raising capital and growing their businesses are more challenging for Black Women founders than any other group of entrepreneurs. With Black Women being self-learners, resilient, flexible and determined to succeed they continue to dive head first into entrepreneurship knowing if they can stay the course they will achieve the success they desire. 

As setting boundaries in business, finances and the workplace are important for everyone and it is crucial for Black Women Entrepreneurs because of the unique challenges they face in the marketplace. On today's episode we're talking with two special guests, Joyce Chesley Hayward and RaShida Roberts about setting boundaries in your business so you can achieve financial success and be profitable in business. 

This is Black Business Month and we are celebrating all month long. Boundaries are necessary for achieving success and living a good life. Lot's of people struggle with setting and maintaining boundaries, especially with close family members and friends. Boundaries allow us to uphold our values and increase our confidence. That confidence translates to us taking the actions necessary to accomplish our goals in business and personal life. Listen to today's episode for tips on how to set and enforce boundaries so you can thrive and finish 2022 strong in business.

Today's episode focuses "ATTITUDE". Many of go through our day on automatic pilot, always in a neutral state. Then when something happens choose our whether we're going to have a good or bad "Attitude" for the day, an say things like "It's going to be another one of those days, you know" or "Now I know this is going to be a bad day".  Have you ever sai d those things, or something similar? I'm sure we're all guilty of using phrases like the ones previously mentioned, at least once in our lifetime. Listen to today's episode to learn why your "ATTITUDE" impacts your altitude, and how you can take control of your "ATTITUDE" to achieve the success you desire.

Everyday we are hearing someone talk about the possibility of a recession or that we are already in a recession.  With high gas prices, record levels of inflation and some still recovering from the last two years things may seem a bit scary. The economic conditions we are experiencing are challenging. But, as with any other challenge we experience in life we can make the decision to rise to the occasion. 

Our mindset is the key to our success during these challenging times. If we believe we can be successful, then we will take the actions necessary to achieve success. If we think we cannot succeed, then we won't take the necessary actions and failure will become a self-fulfilling prophecy. It is up to each of us to decide how we want to come out on the other side of this economy. Listen to today's episode for tips on what you can do to emerge from these economic times better than before.    

This is Annuity Awareness Month and in this episode we'll be talking about Women, Retirement & Annuities. We woman tend to face different challenges from men when it comes to money and saving for retirement. We as women are usually the primary caregivers in the family, and either stop working or work part time so they can provide the care their loved ones need. Women are also paid lower salaries than men in the workforce. 

Some studies have shown that women would rather talk about death than money. With us earning, investing less and lacking trust in financial professionals this sets us up for a financial difficulties in retirement, the time when we need cash the most. Listen to today's episode to learn the steps you can take to help yourself, or a woman you know, put herself on the path for a financially secure retirement and understand how a Annuity can help.

This is Annuity Awareness Month and we are celebrating all month long. This episode focuses on some of the similarities and differences between an Annuity and a CD (Certificate of Deposit). Both financial products help you save and grow your money. There are reasons an Annuity may be right for you, and there are reasons a CD might be right for you, it depends on your specific financial goals and needs. Listen to today's episode for tips to help you decide which is right for you and things to consider when purchasing an Annuity.

This is Disability Insurance Awareness Month, and we will be talking about what Small Business Owners and Entrepreneurs should know about Disability Insurance. Many of us do not realize that one in four people will experience a long-term disability lasting between 2.5 and 5 years. Approximately 90% of people that have a disability, their disability is invisible.

This is Disability Insurance Awareness Month, and on today's episode we will talk about protecting your income with Disability Insurance.  Many people insure their life, car and home but fail to protect their income. How long would you be able to cover your living expenses if you were unable to work? With the majority of Americans living paycheck-to-paycheck that answer is approximately 2 weeks, because that is when the next paycheck would have been issued. 

   Many people underestimate their chances of becoming disabled. Statistics show that 1 in 8 of us will experience being disabled for a period of 5 years, or longer. There are approximately 22 million people of working age, between 16 and 64, who are currently disabled with only 19% of employees having paid time off for family and sick leave. Also, only 26% of people have a Disability Insurance Policy which would help provide a financial safety net for you and your loved ones in case you were unable to work because of an injury or illness.