d-mars.com Business Journal 101

Business Journal Inspire, Inform & Educate

January 2016

INSIDE

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A New Beginning, A New You

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26

PAGES 22-23

Success Is Somewhere, Not Something

By Noel Pinnock “Leadership begins with you and accomplishments rest in the arms of those who you lead and inspire,” is a phrase I stress in my team meetings.

Pastor J and Lady J of Higher Dimension Church Present “The Answer” for True Love

PAGE 16

PAGES 26-27

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5 Ways Successful Businesses Achieve Their Goals

By Will Harrison With the beginning of a new year, business owners typically start the year off with ambitious goals.

PAGE 30

d-mars.com In the Community with Hillary Clinton and Congresswoman Sheila Jackson Lee

Come Treat Yourself at Esther’s Cajun Café & Soul Food

Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world.

— Harriet Tubman

January 2016 3

Journal Behind The

Publisher’s Message

MR. D-MARS

SR. PUBLISHER Keith J. Davis, Sr.

SENIOR VICE PRESIDENT Kevin Davis

VICE PRESIDENT Kim Floyd

ACCOUNTING MANAGER Eugenie Doualla

SENIOR ACCOUNT EXECUTIVES C.T. Foster Eric D. Goodwine Tiffany Black

ASSOCIATE EDITOR Dawn Paul

ADMINISTRATIVE TEAM Dyvl Davis

A New Beginning, A New You is the theme for this issue of d-mars.com Business Journal. It’s a new year, with new beginnings. 2015 is the past and 2016 brings new and amazing opportunities. This is the time to create phenomenal success.

At d-mars.com, we want to see you strive for greatness, creating something that grows and prospers. When we do great things, that makes for a stronger community.

The cover story for this issue is on Higher Dimension Church and Pastor J and Lady J. February 26-27, 2016, they are hosting The Answer Conference as an extension of their acclaimed book, “The Answer.” Pastor J and Lady J through the Higher Dimension Church are on a mission to help couples stay in the will of God. Next to God, it’s important to value marriage and family. Pastor J and Lady J have a passion for helping build and sustain healthy families. They are doing just that through “The Answer” and The Answer Conference.

As always, thank you for your continued support of d-mars.com. When you support us, you are supporting more than just our company; you are supporting the communities in which we live and work. Working together, we can succeed in making positive things happen.

Contents

PHOTOGRAPHY L.C. Poullard Grady Carter Tony Gaines

MULTIMEDIA DIRECTOR Andrea Hennekes

LAYOUT & GRAPHIC DESIGNER Angel Rosa

DISTRIBUTION Booker T. Davis, Jr. Rockie Hayden

CONTRIBUTING WRITERS Noel Pinnock William H. Harrison d-mars.com News Provider

Come Treat Yourself at Esther’s Cajun Café & Soul Food...................................................................................................................... 4 Live Long and Financially Strong with These 3 Tips............................................................................................................................... 6 5 Simple Ways to Kick-Start a Financially Healthy 2016........................................................................................................................ 8 5 Tips That Will Help the Small Business Community Make the Most of 2016...............................................................................10 These 3 Steps Will Help You Get out of Debt This Year.........................................................................................................................10 Success Is Somewhere, Not Something....................................................................................................................................................16 Maximize Study and Fun with Cost-Effective Technology for Your Student..................................................................................18 College: Footing the Bill Without Sacrificing Your Financial Future.................................................................................................20 Before You Say I Do and I Still Do.......................................................................................................................................................... 22-23 Generational Retirement Planning............................................................................................................................................................. 24 In the Business Community....................................................................................................................................................................26-27 This Year, Resolve to Make the Most of Your Employee Benefits.....................................................................................................28 5 Ways Successful Businesses Achieve Their Goals.............................................................................................................................30 A New Year and a New You........................................................................................................................................................................... 32 Small Businesses Can Cut Energy & Save Money.................................................................................................................................. 33 Financial Resolutions..................................................................................................................................................................................... 34

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4 January 2016

Come Treat Yourself at Esther’s Cajun Café & Soul Food

“My mother and great-grandmother believed in passing down recipes to the next generation. The tradition of soul food was passed down to me by my mother and great-grandmother, and it’s just in my blood.” - Queen Esther recognition for her charitable initiatives.

By d-mars.com News Provider When entering Esther’s Cajun Café & Soul Food, be ueen Esther’s great-grandmother, Mary prepared to be treated like one of the family. The dinLewis, took pride in living off the land, ing experience at Esther’s Cajun Café and Soul Food is and she was known as the master of councomparable to returning home for an authentic soulful try style cooking. Gladiola Lewis, Queen meal, being reunited with family and friends. Queen Esther’s mother, developed expert skills in Esther brings her sincere passion for family to every Cajun style cuisine. Growing up, she faced guest that enters the restaurant. much opposition, but never let anything distract her Since 2008, the restaurant has experienced exponential from her dreams. Cooking exceptional Cajun soul growth, which would not have been possible without food was embedded in her soul. Becoming an enthe help and support she has received from her loving trepreneur was her sole aspiration, and in 2008, she family and the community. Each dish is prepared with established Esther’s Cajun Café & Soul Food. fresh ingredients daily and cooked with special spices Queen Ester has always wanted to provide an amthat are Queen Esther’s personal secret. You will find biance of fellowship and economic empowerment yourself creating opportunities to come in and indulge to the community through her gift of cooking and in the vast selection of entrees, sides, and desserts. A few her philanthropy. She has used her restaurant to give of Queen Esther’s specialties consist of mouth-watering back to the community through various organizations, mustard greens, scrumptious sweet potatoes, and delecsuch as the Boy Scouts of America, Booker T. Washingtable oxtails. While those items add to the multifarious ton High School, the Studewood Cobras Little League weekday menu, you are guaranteed to find yourself deFootball Team, the GENTS Organization, the Inlighting in the extraordinary weekend menu that spotdependence Heights Community Health Center, lights an array of Cajun classics such as Louisiana style The Lady League & Gents, Inc., among othgumbo, crawfish & shrimp etouffeé, and their famous ers. In addition, she provides food to the disCajun fried chicken. “The food is incomparable, and it placed, groups, and various organizations is homemade. Soul food is my passion and my gift, and in the Houston area for special events.

I make it for the community with love as if I make it Queen Esther has been featured by for my own family at home. The customers know and different media outlets, and she appreciate that I put my heart into every recipe on the menu. Here at Esther’s Cajun Café & Soul has Food, everyone is trurely treated like family,” says Queen Esther.

Come join the family and treat yourself at Esther’s Cajun Café & Soul Food, where the food is amazin’!

For more information, visit them at 5204 Yale Street, Houston, Texas 77091 or on the web ceived at www.estherscajun soul.com.

Q

1 - Peach Cobbler and Banana Pudding 2 - Gumbo 3 - Chicken & Waffles

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January 2016  5

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6 January 2016

Live Long and Financially Strong with These 3 Tips By d-mars.com News Provider

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y 2029, more than 76 million baby boomers will be 65 or older, according to recent Census estimates. While there is great upside to increased longevity, there are also challenges. Inflation, climbing health care expenses and ebbing safety nets are complex dynamics to navigate through an extended retirement.

One key aspect of longer lifespans many Americans overlook is caregiving. In fact, the government estimates 70 percent of adults 65 or older will require some form of long-term care (“LTC”). Recent findings from Northwestern Mutual’s 2015C.A.R.E. (Costs, Accountabilities, Realities, Expectations) Study underscore this reality. Nearly four in 10 Americans (36 percent) are currently or have been caregivers to adults who are aging, ill or with special needs. The study further reveals caregiving, while rewarding, can have significant financial and emotional implications.

The good news is that whether boomer or any other generation, it is rarely too late to create — or adjust — a financial planning strategy that will help you live your desired life-

style through your lifespan. Rebekah Barsch, vice president, planning and sales, Northwestern Mutual, suggests the following: Face the financial realities.

The Northwestern Mutual 2015 Planning & Progress Study found outliving their retirement savings is among the top financial fears for Americans.

Moreover, a solid portion do not feel at all financially prepared to live through their 80s and 90s. Combined with rising costs and the potential longterm care needs, avoidance is no longer an option.

Speak up. Though finances are an uncomfortable topic

for many, a candid dialogue is essential to making important decisions.

This is especially important when it comes to difficult topics like long-term care, which could impact the entire family. Understanding the concerns and wishes of your loved ones is the cornerstone of effective planning.

Know when you need help. When it comes to financial planning, half of the boomers (age 50-68) in the 2015 Planning & Progress Study said they were either informal or non-planners. Considering the correlation between planning and financial security in retirement, as well as the added complexities of longevity, a self-directed approach can be a risky bet when the stakes are high. An expert can take an objective look at your finances and tailor a strategy that adapts as your financial needs evolve.

To learn more about more about planning for longevity try the lifespan calculator, and a Long-Term Care Cost Calculator. – BPT

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January 2016  7

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8 January 2016

5 Simple Ways to Kick-Start a Financially Healthy 2016

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By d-mars.com News Provider

ou banked your holiday bonus and landed that raise you’ve been hoping for, but the post-holiday bills are coming. You may be wondering what more you can do to ensure you’re on the right track financially in 2016. Fortunately, you can do a lot right away to start the year off strong.

• Reassess your budget; if you don’t have one, make one. A budget is an essential tool for planning how you will spend, save, invest and enjoy your money. It should be a guideline to how your money will work for you, but it’s not written in stone. Life changes, and outside influences mean you need to periodically examine and update your budget. Start by jotting down your financial goals for the year, then review your budget to see if it’s going to help you achieve those goals, or if you need to make adjustments.

• Pay off holiday bills immediately, and if that’s not possible, then as quickly as you can. Each month you carry a balance on a credit card, interest rates increase the actual out-of-pocket cost of those holiday gifts you purchased. If possible, pay balances in full right away during the month of January. If that’s not possible, create a payment plan for yourself with the goal of paying off the total balance in as high an increment

as you can afford, so you minimize the time you’re carrying a balance.

• Maximize “found” money. Gift cards have been the most-requested holiday gift item for nine years running, according to the National Retail Federation, but not everyone uses all the cards they receive. In fact, a survey by Coin-

star Exchange found 37 percent of people who received gift cards in 2014 still haven’t used all of them. If you have gift cards sitting around, they can be a great source of “found” money. Take your gift cards to a bright yellow Coinstar Exchange kiosk at your local grocery store and exchange them for instant cash.

Put the extra money toward paying off holiday bills, boosting your emergency fund or for something you really want or need. Visit www.coinstar.com/coinstarexchangekioskfinder to find a Coinstar Exchange kiosk near you.

• Review all your credit accounts.

Even the most careful shopper can fall prey to crooks, who are particularly active and crafty during the holidays.

Look over your credit card statements to ensure you authorized all the charges that appear on them. For an extra layer of safety, check your credit report; it can help you detect signs of identity theft or other fraud as quickly as possible.

• Increase your savings. By now, you’ve reviewed your budget and cashed in your unused gift cards, so you’ve got some extra money in your pocket. Instead of spending it, use that money to increase your savings. It’s especially important to have an emergency fund equivalent to a few months of living expenses. Those savings can help protect your financial health against unforeseen circumstances like a big auto expense or home repair bill, or even job loss. While it’s always great to save more, setting aside even $10 a week can have a big impact on your financial future.

Many financial goals require longterm planning, but others can be done quickly and easily. These simple, do-itnow steps can yield instant gratification, and help ensure you get a good financial start in 2016. – BPT

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January 2016  9

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10 January 2016

5 Tips That Will Help the Small Business Community Make the Most of 2016 By d-mars.com News Provider

customizable stationary and cards you need to send the perfect message at the perfect time. They also have all of the marketing materials, product customization and graphic insertion options you could ever need, making it easy for you to make more happen.

• Tie up loose ends. Get out your “to-do” list, find the projects you never had time for, and jump on them when the New Year arrives.

Mark them off your list and start 2016 with some momentum. And if your project list includes upgrading your business with some new tech, Staples Tech Services services can keep your small business running smoothly with the latest tech that will improve your productivity and save your company money in the long run.

• Review successes and failures.

What worked well for you this past year? What didn’t work? What do you think you can do better? The New Year represents the chance for a clean slate.

Fill that slate with the things that work!

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s there any time of year more important for a small business than right now? The business you do in these months will go a long way toward not only determining your day-to-day success, but the very outlook for the rest of 2016. So how do you make sure your small business is up to the task and makes the most of the here and now?

Small businesses everywhere are asking these same questions, and to help, Susan Solovic, The Small Business Expert, offers these helpful tips.

• Keep in touch. Connecting with someone is a good idea any time of year, so why not pick up the phone and see if you can schedule a coffee or lunch meeting for the New Year, especially if it’s an old colleague or a customer who has fallen off your radar. You may also consider sending holiday cards and greetings to everyone on your list to close out 2015 right. Staples Copy and Print has

• Read and learn. You’ll probably have some extra down time when the New Year rolls in. Spend a few minutes searching the Internet for lists of “must-read” business books. Find a couple that look like they’d be a good fit for your business and commit to reading them in the first part of 2016. In the same manner, learn a new skill. Experiment with social media or learn how to manage an online marketing campaign • Start tax preparation. Review your bookkeeping system and make sure everything is up to date. Start organizing your files in anticipation of tax season. If you get organized now, the process will be much easier come tax time.

The New Year is the perfect time to say goodbye to a successful 2015 and prepare for the year ahead. Apply the tips from Solovic and you’ll be ready to make 2016 your business’s best year yet. To learn more about finding the right tech solutions and everything else your small business needs, visit Staples.com. – BPT

These 3 Steps Will Help You Get out of Debt This Year By d-mars.com News Provider

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roviding for a family.

Getting an education.

Striving for the American dream. Sarah Thomas of Bono, AR, was like so many others, trying to better her life. She got a master’s in nursing in order to give herself and her son a bright future, but soon after found herself overwhelmed by loans.

“I pursued an education and ended up with a ton of credit card debt,” says Thomas. “The American dream gone wrong.”

She’s not alone. The average U.S. household with debt carries $15,355 in credit card debt and $129,579 in total debt, according to nerdwallet.com.

And the Federal Reserve's interest rate hike this month means that you will be paying even more interest on your debt; that 0.25 percent rate increase equates to $2 billion in extra fees for Americans next year. For people like Thomas, the weight of paying off highinterest loans can be overwhelming.

Thomas was able to consolidate her high-interest debt and take control of her finances. If you want to take control of your financial future and eliminate debt, these simple yet highly-effective strategies can make a big difference.

Step 1: Build a solid budget Use an online budgeting tool like Mint. com to organize your spending. Even if

you aren’t able to stick to the budget you set every month, it’s important to know where your dollars are going so you can take action accordingly.

Step 2: Consider cost-cutting measures Can you switch to a cheaper phone plan? Could you cut cable? What about buying generic brands? These are important questions you can ask as you audit your expenses and take appropriate measures to trim unnecessary spending.

Step 3: Research debt consolidation options Marketplace lending, also called peerto-peer lending, is an alternative to traditional loans through which borrowers get access to low, fixed rates (insulated from further rate increases by the Fed) with no hidden fees or prepayment penalties. The industry is growing rapidly, with one of the leading platforms, Prosper, surpassing $5 billion in loans this year.

For many, a debt consolidation loan helps simplify things. Instead of having multiple bills with varying high interest rates, you can take out a loan to pay off all your debt, and then simply repay the one loan at a lower fixed interest rate. For many people, having one payment versus many makes it much easier to feel like they are in control of their finances.

An added benefit is that rates are often lower than with a credit card. According to a WiseBread.com article, it’s important to begin the peer-to-peer lending

process by getting a rate quote. Then you can do the math to determine how much money you can save consolidating your debt and paying it off at an accelerated pace.

Thomas decided to consolidate her debt through Prosper. She went to www.prosper.com and selected the loan’s amount and purpose. “It’s been

the easiest, most streamlined process that I have ever had,” says Thomas. “I am so thankful that we now have an attainable way to pay off debt. That way we can be proud of our hard work rather than forever burdened by it.”

To learn more, check out Prosper’s blog at http://blog.prosper.com. – BPT

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16 January 2016

Success Is Somewhere, Not Something

By Noel Pinnock

Contributing Writer

“Leadership begins with you, and accomplishments rest in the arms of those who you lead and inspire,” is a phrase I stress in my team meetings. When I created the statement, I did not truly realize its impact and cascading effects. Productivity and morale increases when people possess ownership, and it is this dynamic that drives organizational, community, and personal success. Leadership is a process by which a person influences others to accomplish a pre-determined objective and directs the organization in a way that makes it more cohesive and coherent. Success can be defined in many different ways.

According to the Merriam Dictionary, success is the achievement of something planned or attempted. Obtaining success is not an insurmountable task, but it is intentional; it is not an enigma, but it is predicated by leadership.

Are leaders born? Well, this is a highly

debated question, because so many perspectives are floating around. Which of the following statements about leadership are true?

– Leaders are born with a natural ability to lead.

– Leaders are individuals who have been assigned positions of authority.

– The terms leader and manager essentially define the same role.

If you answered no to all the statements, then you are correct. Some believe that in order to be a leader and promote intentional success, the person must have the genetic fortitude or work in a position of authority. Others believe that individuals can be trained to function in a leadership capacity. Well, these perspectives are not totally inaccurate, because it is my personal belief that great leaders have an innate desire to selflessly serve, as well as develop themselves on an ongoing basis to keep their saw sharpened. To that end, everyone and anyone can be a leader; however, there is a major difference between effective and ineffective leadership. US Former First Lady, Rosalyn Carter once said, “A good leader takes people where they want to go. A great leader takes people where they don’t want to go but ought to be.” A leader possesses passion, purpose, and practical skills. He or she is not the lone ranger, but rather

has a paradoxical blend of humility and confidence. Leaders lead because they: – Look at possibilities and visualize what might be; – Elevate the expectations of those working with him or her; – Activate commitment by defining the way; and – Develop trust.

Are you looking to be a leader in your community, job, or home? If your response is yes, then there is not one formula to make the transition.

Remember, the leader that positions him/herself too far in front of his/her troops begins to look more and more like the enemy, which means in order to be a leader, you must have followers. Followership is an elected function,

as people have to elect to follow you, and in return, you must develop a bond of trust with those who share in your vision. Trust is a two-way street. A leader shows that he or she is willing to entrust part of the vision to others in order for them to carry it out (remember my coined phrase). By empowering others to do their part, a leader earns their trust, and success is only inevitable.

So, how do you spell success? Well, it’s L-E-A-D-E-R-S-H-I-P! “Then he said to his disciples, ‘The harvest is plentiful but the workers are few. Ask the Lord of the harvest, therefore, to send out workers into his harvest field’” (Matthew 9:37-38, NIV). The harvest is ready, and there is much work to do!

If you are leading, inspiring, informing, and educating, then keep up the good work. If you are not, then it is never too late to start, and it can start with you. Becoming an enlarger of others isn’t always easy. First, it takes a secure person to add value to others.

If you believe deep down that leading others somehow hurts you or your opportunities for success, then you’ll have a hard time enlarging others. But as Henry Ward Beecher insisted, “No man is more cheated than the selfish man.” Get at it! www.noelpinnock.com

Thank You Houston!

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o those who supported our campaign, thank you from the bottom of my heart for the amazing victory we had on Election Night. I can honestly say that if it weren’t for everything you did to push our campaign forward, we wouldn’t have made it.

To those who supported others, thank you for caring about our city and for your dedication to making Houston a better place for everyone.

Now it is time to do what we do best as Houstonians: bring our city together and move it forward.

Please accept my wishes for a safe and joyous holiday season and I look forward to working together with you in the new year.

Mayor-Elect Sylvester Turner P o l . a d v. S y lv e S t e r t u r n e r C a m P a i g n . d a v i d m i n C b e r g , t r e a S u r e r

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18 January 2016

Maximize Study and Fun with CostEffective Technology for Your Student

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By d-mars.com News Provider

oday’s youth are wellversed in transitioning their computers and phones from school to home, and futurists believe that will be even more necessary in coming years.

Project Tomorrow’s recent Speak Up Data shares that “Students in a blended learning environment (utilizing both physical books and online digital resources) are more likely to self-direct their learning outside of school.”

The best tech device options allow your student to learn and play anytime, anywhere and in any environment. The critical items to consider are devices that allow full access to learning applications; nine-plus-hour batteries; keyboards; easy connectivity; a backpackfriendly weight; powerful browsers that allow for fast-loading videos; access to school assignments and research tools.

Cost-effective technology such as the Intel processor-powered Chromebook is being embraced by entire school districts for its fostering of streamlined education allowing faculty and IT administrators to communicate with students at school and at home. As

a bonus, your student can also use a Chromebook to socialize with friends and engage in fun learning apps and popular gaming sites.

“This is a whole new definition of what school looks like,” notes Alice Keeler, author and Google for Education certified innovator. “Students can ask questions by posting to the stream in Google Classroom 24/7, (and) since other students have access to the stream, students are able to learn from and help each other.”

The ability to handle such multitasking is projected to serve youth well in the

coming decades as technology evolves, according to a 2012 survey by the Pew Research Institute. Fifty-five percent of respondents agreed that by 2020, “The environment itself will be full of data that can be retrieved almost effortlessly, and will be arrayed in ways to help people young and old navigate their lives.”

The Intel-powered Chromebook addresses that need for multitasking with several advantages over ARM processbased models. In a Principle Technologies Test Report last year, those advantages included a 57 percent longer battery life while web browsing; 46 percent less waiting to read a textbook or take notes online; 47 percent less waiting to do math homework online; 50 percent less waiting to create an English

presentation; 46 percent less waiting to team up in science class; and 100 percent more frames per second while rendering an anatomy situation.

That’s partly why school district IT specialist and education speaker Kyle Pace calls it “the biggest no-brainer in education.”

“Schools must begin leveraging these tools to bring students into the world of working in the cloud, communicating, collaborating and creating on the web,” he advises. “We can’t afford not to give our students this type of access -- at school and at home.”

For more information on creating and collaborating with Chromebooks, check out Kyle Pace’s blog at www.k12blue print.com. – BPT

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January 2016  19

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20 January 2016

College: Footing the Bill Without Sacrificing Your Financial Future By d-mars.com News Provider

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amilies who have children heading off to college are likely navigating an array of options when it comes to actually paying for higher education. A new white paper by Prudential Financial titled Paying For College: A Practical Guide for Families, seeks to dispel some of the misconceptions surrounding loans, grants, scholarships, and available tax benefits.

If the bad news about financing a college education is that it can be complex and time-consuming, the good news is that families willing to educate themselves on the process (and familiarize themselves with the potential pitfalls) can develop a strategy that does not break the bank for students or the parents.

“It can be a daunting process, but well worth the effort, especially if it means avoiding large amounts of debt or not dipping into retirement savings ” said Caroline Feeney, President, Prudential Advisors. “If it seems too intimidating, don’t be afraid to seek guidance because there is a good chance you’ll be able to put the right payment strategy in place that works for your family.”

Creating a Plan that Fits Your Family While earning a college degree is cer-

tainly a worthwhile pursuit, the skyrocketing costs of college tuition can leave many students laden with burdensome levels of debt. Parents can also struggle, often sacrificing retirement savings to help their children.

According to Feeney, “We urge families to tap in to school resources, guidance and financial aid counselors, as well as the experience of a financial professional who can help them make critical decisions with respect to leveraging existing financial resources in a w a y that helps protect longer-term financial security.”

The report provides a roadmap for financing a college education. It provides basic, foundational information about qualifying for undergraduate financial aid, taking out public and private education loans, and taking advantage of potential tax deductions and credits. It also offers targeted advice for single, as well as divorced parents.

Seeking Aid: Knowledge is Power One of the primary

goals when researching college payment options is identifying all of the sources that do not result in long-term debt. For families who lack the resources to save in advance or to fund that education on a pay-as-you-go basis, seeking all types of financial aid is essential. Some considerations include: • Becoming familiar with the application deadline and requirements for the Free Application for Federal Student Aid (FAFSA) the • Learning pros and cons of

aid sources available, including grants, scholarships, work-study programs, tax credits, and tax deductions.

• Researching the variables that affect a student’s access to financial aid, including choice of school, how much and in what form the family has saved for college, and how adept the family is at working through the process of applying for help.

Once they do their homework, families may be surprised to learn about more effective ways to qualify for grants and scholarships, and if student loans must be taken out, how to navigate the new repayment options that have become available.

Divorced and single parents also have special provisions available to them that are worth looking into.

“Every family has unique circumstances to consider.

Investing time with a financial professional who can help guide them through resource planning can help alleviate some of the stress associated with understanding the process and making sure that the family’s finances are well handled,” said Feeney.

To learn more, visit w w w.prudential.com/ payingforcollege. – BPT

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January 2016  21

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22 January 2016

Before You Say I

By Dawn Paul

Associate Editor

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ove is in the air as we approach February and Valentine’s Day. Where some couples are getting ready to take that walk down the altar and some have that fire still burning after years, there are some couples whose fire is losing that spark.

Regardless of the current status of your relationship, God needs to be in the center to keep a relationship strong or to heal where broken. Because God is at the center of a healthy marriage which makes for a healthy family, Pastor J and Lady J of Higher Dimension Church (Higher D) are hosting The Answer Conference as an extension of their acclaimed book, “The Answer.” Pastor J and Lady J through Higher D, are on a mission to help couples stay in the will of God.

Pastor J is well-known in Houston and throughout the country as a premier pastor with an extraordinary gift of preaching and teaching God’s word through biblical exposition, interpretation, and proclamation. Lady J is also a leader with the heart of God, known for developing and nurturing women’s ministries. Being dedicated leaders in the church and parents, their faith in God helps them uphold and exemplify strong family values, believing that the church is only as strong as its families. After 20 years of marriage, they are aware of what couples and families face first-hand.

There’s no denying that the devil is attacking families. The divorce rate is high, and there are more single-parent homes today than before. In addition

“Lady J and I know an and hard work to hav Conferen a hea ‘Rat Rele Answ

to the Bible, “The Answer” is a much needed go-to for relationships, helping couples and families, providing spiritual and practical insight to relationship questions. Pastor J says, “We have over two decades of relational and marital experience. This book is a testament of our journey and how we navigated through the rough terrain through God and discovered the answer that has given us triumph in the midst of defeat.”

Wanting to extend their relationship knowledge, Pastor J and Lady J have birthed The Answer Conference.

This highly anticipated two-day event

themed, “Before You Say I Do and I Still Do,” is their opportunity to put answers on a unique platform and make it accessible and welcome to all individuals, from single to married, in hopes of allowing others to see the true nature of healthy relationships.

“In our 20 years of marriage, we have encountered both heaven's blessings and earth's struggles. The Answer Conference has been our labor of love, and it was created to shine the light on God's truth and common personal experiences to provide singles, dating, and married couples with answers to relationship questions,” says Pastor J.

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January 2016 23

Do and I Still Do

nd understand that it takes faith, prayer, ve a healthy marriage. The Answer nce is providing individuals with the tools for althy relationship. The Answer Conference is ted R,’ where we discuss what's Real, what's evant, and what's Right! Join us for The swer Conference 2016!”

– Pastor J, Higher Dimension Church

Pastor J and Lady J are doing something different and refreshing when it comes to relationship conferences by talking to individuals and not at them. Pastor J and Lady J are transparent, knowing that you can’t reach the masses and impact families in a real and honest way if you’re not honest about your own experiences.

Their personal journey of struggle, lack of knowledge, inexperience, and thwarted perspective concerning their dating and marital years led them on a downward spiral of break-up and heartache that created a typhoon of problems. “Those problems caused

us to desperately seek the mirage of escape to what once appeared to be true love. It was in our perfected custom-crafted mess of problems that we longed for the truth and the answers that we needed before calling it quits.

Out of our quest for knowledge, a ministry was born that would help singles and couples know the answers to keeping their relationships healthy, vibrant, and alive. It was a difficult journey for us, but along the way we discovered the more answers we received, the less problems we had,” Lady J says. This conference is a way to get people to be honest about mar-

riage and problems they may be encountering, but give hope in a Godcentered environment that inspires and strengthens.

Because the family dynamic has changed, The Answer Conference will have something for everyone, including singles, married couples (newlyweds to long-term), engaged couples, couples dating, and blended families.

The Answer Conference has relatable information, no matter your circumstance. Lady J expresses, “There are foundational basics and solutions applicable for all, regardless of their walk. We do however, acknowledge the special group of blended families, and we are proud to have David and Tamela Mann in attendance this year. They speak very candidly about their experiences with a blended family, from the children learning to love each other, to effectively communicating with ex’s, to merging parenting styles, schedules, and more.” Pastor J and Lady J are providing people with personal takeaways, a sense of hope, support, and empowerment once they leave The Answer Conference.

Without the same effort and dedication planning for the marriage as planning for the wedding, a marriage should not expect to stand for decades. Most couples will spend years dating and years planning a wedding, but only a few weeks of marriage counseling in preparing for a lifetime of marriage. It will take much more than that to stand against the storms of life and marriage tests that will shake a marriage to the core. “No, we don't believe a perfect marriage exists, because a marriage is made up of two imperfect people. However, there is such a thing as a healthy marriage, and striving for perfection in your marriage brings you closer to what a dream marriage can be,” Lady J says.

Pastor J and Lady J know and understand that it takes faith in God, prayer, and work to have a healthy marriage. Most people don't like to put in the work, and Pastor J and Lady J understand that it can be challenging because it requires a lot of patience and a lot of time before seeing real results. Lady J states, “Overtime, work produces great results, but today we want it quick, fast, and in a hurry. It doesn't work like that. Love is patient, love is kind, it doesn't envy, and it's not boastful or proud.

It doesn't keep record. Love lasts!”

The Answer Conference encourages and motivates, using God’s template for relationships to show that you can experience a resurrected and healthy

marriage over time, but not without the work. Marriages thrive in a safe community. The Answer Conference will have that comfortable and safe setting that will provide the necessary tools to help with personal ref lection and individual development.

Through this conference, people will know not to underestimate the power of community when it comes to building relationships.

The Answer Conference will provide attendees with over 120 years of valuable relationship and marital experience from renowned speakers and experts, both single and married, from all relationship backgrounds prepared to share person insights.

Attendees will receive practical insight, experience fun entertainment, engage in dynamic worship, and attend thought-provoking sessions that will challenge and inspire to get the answers needed when it comes to healthy relationships.

The Answer Conference Speakers and Lineup Include: • David and Tamela Mann • Pastor Charles E. Goodman, Jr. • Pastor Wayne and Myesha Chaney • Pastor Dharius and Shameka Daniels • Pastor John and Aventer Gray • Dr. Irishea Hilliard • Broderick Rice • "Nephew Tommy" • Jackie Miles • Pastor J and Lady J • Slim Thug performing “Church” We put an emphasis on what we value. Next to God, it’s important to value marriage and family. Pastor J and Lady J have a passion for helping build and sustain healthy families. They are doing just that through “The Answer” and The Answer Conference. In order to have success, it’s important to be equipped with the proper tools, and that includes relationships. “On a job, people have training manuals, supervisors, and even peers to shadow. Such is the need with relationships as well. They require just as much preparation, education, and instruction. Prayer is a powerful tool, and couples have this weapon at their disposal to fight the good fight to maintain a healthy relationship and marriage,” says Pastor J. The Answer Conference will be February 26-27 at Higher Dimension Church. To pre-order your copy of “The Answer” and to register for the conference, please visit www. higherd.net and www.answermovement.com.

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24 January 2016

Generational Retirement Planning By d-mars.com News Provider

N

ew research finds a link between inheritances and retirement preparedness.

For many, life insurance proceeds can help close the gap between what the next generation will have and what they need.

A recent study indicates that 52 percent of Americans are at risk of being unable to maintain their pre-retirement standard of living in retirement, with younger households in worse shape than those approaching their retirement years. While 45 percent of households headed by an individual age 50-59 are at risk of not maintaining their pre-retirement standard of living during retirement, a whopping 59 percent of households headed by an individual age 30-39 are at risk.

The younger generation has already seen a reduction in their future Social Security benefits and are far less likely to benefit from a guaranteed pension.

With this in mind, the research examined the role inheritances play in lessening individuals’ post-retirement income shortfall. The research, sponsored by Prudential Financial, Inc., showed that receiving an inheritance can have a significant impact on a household’s overall retirement preparedness, especially for lower- to middle-income families.

The Overlooked Asset When you think about a typical inheritance, what comes to mind is real estate, personal property, and financial assets. However, often overlooked is the fact that life insurance proceeds left to a beneficiary can function in a similar manner.

“There is a growing concern that future generations will have a very chal-

lenging time when it comes to retiring securely. With the decline of guaranteed pensions, rising housing costs, rising childcare costs, and increased student loan debt, young adults may not be contributing enough to their 401(k) s,” said Mark Hug, executive vice president, product and marketing, Prudential Individual (Life?) Insurance. “The good news is that even a relatively modest life insurance death benefit can have

a meaningful impact on improving the retirement security of the next generation.”

Life insurance proceeds can function similarly to an inheritance, if the death benefit is payable to a child who is the insured’s beneficiary. The transfer of wealth through life insurance has the added benefit of generally being received federal income tax free. In addition, a life insurance death benefit can make a meaningful difference when it comes to quality of life during retirement. Consider the following “shortfall” scenarios: • The median shortfall for lowerincome households at risk today is $56,986. That figure is projected to be $131,283 (in today’s dollars) when the head of the household turns age 65.

• Middle-income households fall short by $87,489 today. That number is projected to be $197,385 (in today’s dollars) when the head of the household turns age 65.

Every parent hopes to leave something to their children, and with the right financial planning, a life insurance policy may help close some or even all of those shortfalls. Regardless of an individual’s current assets, the death benefit from life insurance can be a tax-efficient way to leave a gift that may help to meaningfully improve the retirement preparedness of the next generation.

Learn more at www.news.pruden tial.com – BPT

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January 2016  25

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26 January 2016

In the Business Community…

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Dulles Middle School Career Day

Hillary Clinton

NCAA Event

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In the Business Community…

January 2016 27

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City of Houston Inauguration Reception

Texas Black Expo

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28 January 2016

This Year, Resolve to Make the Most of Your Employee Benefits By d-mars.com News Provider

M

any Americans start the New Year by resolving to improve their lives by exercising more, losing weight or making other changes. Based on research findings, one in five should resolve to put their financial house in order.

Research by MassMutual shows that many Americans struggle with their personal finances, especially when it comes to making the most of their employee benefits: • 22 percent of Americans admit they don’t understand their personal finances; • 22 percent don’t know which employee benefits such as healthcare coverage, life or disability insurance or retirement savings should be a priority; • 42 percent say they don’t know if they are on track to retire comfortably; and • 64 percent don’t know the details of their life insurance.

“Many people muddle through personal financial decisions and simply hope for the best,” said Elaine Sarsynski, executive vice president, MassMutual Retirement Services and Worksite Insurance. “Unfortunately, all too often people make the wrong choices and risk leaving themselves unprepared for life’s financial realities.

Making the right choices can lead to

greater peace of mind.”

Financial planning is a discipline built on a hierarchy of needs. Psychologist Abraham Maslow first introduced the hierarchy in the form of a pyramid to explain human behavior, starting with basic needs such as food and shelter at the bottom or foundation. Other needs build from there, in order of priority, including safety, social connections, selfesteem and, at the top of the pyramid, growth.

According to Maslow’s theory, basic needs must be satisfied before higher needs can be addressed. Food, water and shelter take priority over other needs such as whether or not your car has

heated seats or a sun roof.

The hierarchy of needs work well when establishing financial priorities and making financial decisions, according to Sarsynski. The layers of the pyramid can be matched to financial planning choices and even benefits selections: • Be Safe: The foundation of the pyramid is safety. Most people and their families need financial protection from dying prematurely, suffering a long-term or even a short-term disability, or becoming seriously ill. That means most people should prioritize signing up for healthcare coverage, life and disability insurance.

• Build Savings: Once financial pro-

tection is in place, many of us should address shorter-term goals such as accumulating personal savings, building up cash for emergencies, and eliminating shortterm debts such as credit card balances and car loans. Purchasing critical illness coverage can help protect savings, potentially avoid future debts, or provide a financial cushion in the event you or someone in your family suffers a serious illness or injury.

• Plan for Retirement: Next, most of us need to plan for the future, which means building wealth and reducing debt over the long term. Saving for retirement through an employer’s 401(k) or other retirement savings program is a good long-term priority. Other longterm goals should be saving for college if you have children and eliminating mortgage debt.

• Pursue Dreams: Those who accomplish those goals and who are fortunate enough to have additional financial resources can then consider their financial dreams that fall into the esteem and growth categories. Travel, pursuing expensive hobbies, purchasing a vacation home and other goals should be pursued only after other needs are met.

“We all have important financial needs, wants and dreams. The key is to understand the difference and to take care of your most basic protection needs first,” Sarsynski said. “Your employer’s benefit package should be a place to start.” – BPT

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January 2016  29

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30 January 2016

5 Ways Successful Businesses Achieve Their Goals utmost importance to keep pushing despite setbacks.

Anyone who accomplished any great business goals had to overcome setbacks.

Don’t give up. You must persevere in the face of resistance.

By William H. Harrison Contributing Writer

With the beginning of a new year, business owners typically start the year off with ambitious goals. Maybe you want to increase sales by 50 percent, or you want to reduce costs by 30 percent. There is no limit on the number of business goals you can and should create, but you have to take into consideration things that will help you achieve your goals.

Just as some people fail to keep their New Year’s resolutions, most businesses fail to hit their yearly goals. More than 80 percent of the 300 small business owners surveyed in the recent 4th Annual Staples National Small Business Survey said that they don’t keep track of their business goals, and 77 percent have yet to achieve their vision for the company.

There are five things that you need if you want to reach your business goals in 2016: 1. Vision – You need to have a vision.

No vision means no success. Where do

you want your business to be this year?

Where do you want your business to be in five or ten years? Your vision should extend that far. Take time to visualize all of the things that you want for your business. What things need to change in order for your vision to take shape?

2. Strategy – Michael Porter once said, “Strategy is about making choices, trade-offs; it's about deliberately choosing to be different.” Your business strategy is the map to that place called “there.” Not having a strategy for your business is like not providing someone with directions to get to a destination. Where does your

business want to go, and how are you going to get there?

3. Deadline – A goal is a dream with a deadline. I promise you that you will never achieve your business goals if you don’t set deadlines. When will you redesign your website? When will you register for that important conference at the end of the month? Without a deadline, these and other equally important things will never get done. Don’t leave your business success to fate. Set a deadline, and keep it.

4. Perseverance – It’s vital and of the

– 5 Advertisement One of the top reasons businesses reach their goals is because of effective advertising. Something happens when you tell the world what you want to accomplish. For example, Ferrari’s vision statement reads, “To make unique sports cars that represent the finest in Italian design and craftsmanship, both on the track and on the road.” That’s a bold statement that customers, employees, and investors will hold Ferrari to. At my firm, our mantra is, “Innovative ideas from innovative people.” That means we have to bring our best to each engagement.

I wish you the best in 2016. Go out there and accomplish all your goals!

To learn more about William H. Harrison and the West Arlington Consulting Group, please visit www.waconsult group.com.

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January 2016  31

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32 January 2016

A New Year and a New You

a home loan application to help make the application experience as easy as possible. Documents needed may include: proof of income, employment information from the past two years, state-issued identification, proof of residency, and your social security card. Brush up on home loan terms so you can be knowledgeable throughout the process.

By d-mars.com News Provider

I

t’s an all too familiar monthly event: you write out a rent check and wait for the funds to disappear from your bank account.

But what if instead of making endless payments on something you don’t own, you could own a home of your own? When you finance a home purchase with a mortgage, you build equity and increase your percentage of home ownership with each payment made.

“Homeownership may sound like a big step, but it’s not as out of reach as you might think,” says Eric Hamilton, President of Vanderbilt Mortgage and Finance.

Vanderbilt Mortgage offers these tips to home financing to help you realize a place of your very own:

Assess your financial situation.

Before you even begin to look at homes, you should know what you can afford. Consider your debt-to-income ratio which is your monthly income compared to your total monthly bills.

After figuring your ratio you will have a better idea as to what you can afford for a mortgage payment. To determine what your monthly mortgage payment might be, use an online mortgage calculator.

Stay on track with your payments.

After you have moved into your dream home, be sure to make your mortgage payments in full and on time. If you can, plan an optional early mortgage payoff by making additional payments toward your principal balance each month.

Budget and save.

Financing a home begins with budgeting to ensure you have an appropriate down payment. Be sure to set a realistic goal and use the idea of your future home as an incentive to stick to it. You can set up a savings plan, evaluate your current spending, and consider earning extra income to help reach your savings goal. Don’t forget to celebrate your achievements along the way toward reaching your goal!

Maintain your credit.

There are a number of ways you can

build your credit, ranging from opening a checking or savings account to paying all of your bills on time. Getting a secured credit card can also help to build your credit. Be sure to monitor how often you use the credit card and how much you spend so as not to create revolving credit debt. Try to minimize your outstanding debt and keep existing debts in check.

Apply for a loan.

Know ahead of time what information and documents you’ll need to complete

Care for your home.

The financial responsibility of owning a home is just the beginning. You worked hard to finally get to this point, so why not keep your home in top shape? Create a home maintenance checklist and make a point to regularly go through it. Keep track of routine items like checking HVAC filters, cleaning the sink disposal and cleaning out the gutters.

Follow this guide to fulfill your dream of owning a home. For more information on home financing, visit vmfhomeloan.com. – BPT

Over 50?

Time for a financial checkup.

Brandon Herndon, Agent 10103 Fondren Houston, TX 77096 Bus: 832-431-4222 brandon.herndon.rv4s@statefarm.com

Especially as you near retirement.

Be proactive when it comes to your financial health. It’s never too late to get on the right path to a healthy financial future. Let me help you get where you need to be.

Like a good neighbor, State Farm is there.

CALL ME TODAY. ®

1001303.1

State Farm, Bloomington, IL

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January 2016  33

Small Businesses Can Cut Energy & Save Money with These Tips

C

By d-mars.com News Provider

ompanies across the nation are looking for ways to become more energy efficient, and small and mediumsized businesses (SMBs) are no exception. Reducing energy consumption is one of the top areas where SMB leaders need more guidance — up 14 percent from the previous year, according to the 2015 Cox Conserves Sustainability Survey.

Energy costs are among the largest business expenses for any company.

Simple conservation efforts will go a long way to lower the power costs of your current operations.

"More companies than ever have said they want information on sustainability," says Cox Enterprises Executive Vice President Alex Taylor. "Our survey showed that some SMBs often find it difficult to make or justify the investment in sustainability programs or prioritize them over other demands and initiatives. From our own experience with the Cox Conserves program, I can con-

firm that sustainability is as good for our business as it is for the environment."

Here are some quick tips that can help any sized business improve efficiency and cost savings.

1. Know your baseline. Your utility company can provide detailed usage records that show usage and cost totals, as well as helpful details like peak usage times. This data helps you measure your progress.

2. Take advantage of savings. Government agencies offer a variety of tax credits, rebates and other incentives to support energy efficiency. Visit energy. gov/savings to find programs that may be available to your business.

3. Pay attention. Take note of the natural energy sources specific to your geographic location. Sun or wind energy technologies may be great money-saving solutions. If the sun sufficiently lights your office or meeting room, make a point of keeping the blinds open and the electric lights off.

4. Look at lighting. Lighting retrofits are a simple and effective solution that do not interrupt regular operations and often offer a short return on investment.

5. Encourage employees. Turning off computers and other office equipment when not in use is an easy way employees can make an impact.

These tips can start your business on a journey toward becoming a more efficient and eco-friendly organization. The benefits start at protecting the earth and extend to enhancing the bottom line. – BPT

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34 January 2016

Financial Resolutions:

Are You Saving for Retirement?

By d-mars.com News Provider

T

he start of a new year is a great time to look forward with a fresh outlook, as well as to set goals. As you think about what you want to accomplish next year, consider your financial savings habits.

How much are you putting away for the future? Could you begin to save for retirement, or increase how much you’re saving?

What financial actions have you put off because of lack of time?

Setting financial savings goals can be overwhelming, which may be why 31 percent of Americans report having no retirement savings or pension, according to a recent Federal Reserve Report on the Economic Well-Being of U.S. Households. Putting together a plan can make saving for the future much more manageable. Whether you haven’t started saving or simply want to challenge yourself to save more, use the following tips to make 2016 the year you focus on preparing for retirement.

• If you aren’t already saving, start now. You’re never too young — or too old — to begin saving for retirement.

Whether you’ve just completed high

school and are working your first job, or your career is nearly complete and retirement is in sight, determine how much you can save and which savings vehicle is right for you. If your employer offers a company-sponsored retirement plan, take advantage of the opportunity to save automatically via payroll deduction.

If that’s not possible, consider opening a myRA account, the U.S. Treasury’s new retirement savings program for individuals who don’t have access to retirement savings plans at work.

• Seek opportunities to save more. If you’re already saving, that’s a great start, but you can always save more! If you earn an annual bonus, a salary increase, or even a tax refund, consider depositing it in a retirement savings account. You can contribute up to $5,500 each year to a myRA, Roth IRA, or Traditional IRA account (or up to $6,500 if you’re age 50 or older). Keep in mind that the more you save early on, the more time that principal amount has to grow interest. For example, if you have a balance of $3,000 in a savings account that earns three percent interest, adding a lump sum of $1,000 at the beginning of the year will earn an extra $30

in interest over the next 12 months, and that amount will compound even more as the years go by. Note that in

2016, you can elect to deposit all or some of your tax refund in a myRA account.

• Make a plan and follow it. Resolve to make a financial savings plan this year and review your progress regularly. As a starting point for your plan, consider meeting with a financial planner, or take advantage of free planning resources at mymoney.gov or other reputable personal finance websites. You can use the retirement savings calculator on myRA. gov to estimate how much your savings may grow over the course of five, 10, or 15 years or more based on the amount you contribute each month. By setting up regular, automatic savings from your bank account or paycheck into a myRA account, this is a New Year's resolution you can make now and watch your savings grow throughout the year.

There are many options for saving for retirement and managing your finances. As you make your savings resolutions for 2016, do some research and determine which type of account or plan works best for you. With the New Year upon us, now is a great time to start or renew your savings habit.

Visit myRA.gov for more information on how to get started. – BPT

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Pre-order your book TODAY at www.answermovement.com!