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April 2016
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Change Your Mindset
The Blue Print
By Noel Pinnock The ancient Egyptians built pyramids Tas tombs for the pharaohs and their queens. There are about eighty pyramids known today from ancient Egypt PAGE 8
PAGES 16-17
In the Business Community… Business Event at HCC PAGE 20
Hardy Jones, III Has Made Imani Quality Concepts LLC One of the Premier Designers and Builders
PAGES 4-5
Your Mind Determines Your Destiny – How to Change Your Mindset
By William H. Harrison When’s the last time you had your oil changed? PAGE 24
Texas Black Expo: Nurturing Strong Communities Every time you state what you want or believe, you're the first to hear it. It's a message to both you and others about what you think is possible. Don't put a ceiling on yourself.
– Oprah Winfrey
April 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
“Change Your Mindset” is the theme for this issue of the d-mars.com Business Journal. Are there goals that you have not accomplished yet? Well, change your mindset. Have been you intimidated to step into a new area and create great change in your life? Well, change your mindset. Whatever you want to do to succeed in life, you have to have a positive mindset to do it. You can’t believe you can’t achieve your goals. I want to challenge you to change your mindset. When you do, great things can happen. The cover story for this issue is on Hardy Jones, III. Hardy is the President and Founder of Imani Quality Concepts LLC. Because of his mindset and work ethic, he has built Imani Quality Concepts into one of the most respected premier designers and builders in the private and public sector in Texas. Hardy has faced challenges, but his mindset and faith is what has made him the success that he is today. Hardy’s story will inspire and encourage you to live in your purpose. You can do anything with the right mindset. 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.
Dawn Paul
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 William H. Harrison Noel Pinnock J Thomas Smith d-mars.com News Provider
Contents
Texas Black Expo............................................................................................................................................................................................4-5 Texas Southern University News.................................................................................................................................................................. 6 Out-Of-Office Etiquette......................................................................................................................................................................................7 The Blue Print...................................................................................................................................................................................................... 8 More Seniors Find Peace of Mind.................................................................................................................................................................. 8 3 Tips for Achieving Financial Wellness in Retirement.........................................................................................................................10 5 Ways to Make Your First Impression a Lasting One...........................................................................................................................10 Tax Refund.......................................................................................................................................................................................................... 12 5 Bankruptcy Questions to Ask Your Attorney........................................................................................................................................ 14 Hardy Jones, III & Imani Quality Concepts........................................................................................................................................... 16-17 Preventing Brain Drain....................................................................................................................................................................................18 Mythbusting the Adjustable Rate Mortgage............................................................................................................................................18 In the Business Community.........................................................................................................................................................................20 Your Mind Determines Your Destiny………………………...................................................................................................... ………………………………24
MR. D-MARS Tip of the Month “You are what you are by what you believe!” – Oprah Winfrey
Experience Our World of Advertising, Marketing, Media and Communication
4 April 2016
Texas Black Expo:
Nurturing Strong Communities By d-mars.com News Provider
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ith twenty-six of the nation’s top companies headquartered in Houston, there’s no question that this city is built for business success. Whether you’re a young entrepreneur or seasoned business owner looking to expand or relocate, Houston has a robust economy and lots of resources to help you get ahead. For the past 13 years, one organization has been a pillar of the African-American business community. Texas Black Expo Inc., a Houston nonprofit, has worked to stimulate economic growth in the community through various programs and events. Small business owners and entrepreneurs are given the opportunity to develop skills, gain insight and network with like-minded individuals. In addition to monthly lunch and learn seminars, workshops and panel discussions, Texas Black Expo also holds an annual tradeshow. Known to many as Summer Celebration, the event attracts nearly 20,000 attendees from the city and surrounding areas. More than 200 small businesses showcase their products and services
along with a variety of corporate sponsors looking to tap into one of the largest African-American consumer markets. Over the years, Summer Celebration has evolved into a landmark event. The four day experience is equally entertaining as it is informative. For some, it’s all about the celebrity guests, concerts, lively panel discussions, hair shows and more. Those looking for family fun will find exciting activities for the kids, shopping
deals and product demos. For vendors, it’s a unique occasion to engage with customers, increase sales and build relationships with other business owners. This year’s expo will run from May 12 through May 15. The George R. Brown will host the exhibitions and the Corporate Awards Luncheon, which features a prominent keynote speaker and honorees who have made a positive impact in the community. Other high-
ly anticipated happenings that weekend include the Old School Hip Hop and R&B concert at Discovery Green, Feel Good Friday comedy show and party at House of Blues and the Diva Dialogue women’s forum. “Our theme, “Nurturing Strong Communities,” represents our underlying mission to create economic opportunities and synergy for minority businesses and individuals,” says founder Jerome Love. “We’re excited about the star-studded lineup and corporate partners who work with us every year to make this happen.” Houston native and singer/actress Letoya Luckett will join the long list of celebrities to grace the stages at Summer Celebration. Actors Carl Anthony Payne and Stephen Bishop are also expected to attend. Plus, music lovers will get an all-star performance from Force M.D.’s, Jon B and Chubb Rock. The free concert takes place that Saturday night and offers VIP seating with complimentary drinks and food. While some of the events are free, the Professional Networking Mixer and the Corporate Awards Luncheon are exclusive opportunities to engage with
Experience Our World of Advertising, Marketing, Media and Communication
April 2016 5
Texas’ top business leaders and executives. Speakers from previous years include Tom Joyner, radio personality and founder of REACH Media, Susan L. Taylor, former editor-in-chief of Essence and Dr. Gene Landrum, founder of Chuck E. Cheese. “We are honored to have Tracye McDaniel, president and CEO of Texas Economic Development Corporation, serve as keynote speaker at our Corporate Luncheon,” says Love. “We respect and value her commitment to encourage and nurture economic growth throughout the state of Texas.” Texas Black Expo’s Summer Celebration has become the largest AfricanAmerican tradeshow in the South. With ongoing efforts to strengthen businesses and inspire youth, founder Jerome Love and his team are even more committed to building better lives for all. Complete schedule and details for the festivities are available at www.texasblackexpo.com. You can also follow them on social media @TexasBlackExpo on Facebook, Twitter, and Instagram for news and updates. *Content Provided by Texas Black Expo
Experience Our World of Advertising, Marketing, Media and Communication
6 April 2016
Texas Southern University News
Entertainment/Music Industry Leader, Ernest Walker Becomes New GM at KTSU-FM Radio By d-mars.com News Provider
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graduate of nearby Jack Yates High School - School of Communications, an alumnus of the School of Music in Washington, D.C., and President of Walker Entertainment Group Inc., Ernest Walker has joined Texas Southern University as the new general manager of its radio station at KTSU-FM (90.9). Walker brings more than 20 years of experience in business, production, entertainment, fundraising, and professionalism to the Texas Southern University radio station. Walker has served as a producer and music director in all aspects of the entertainment industry, including new mediums, for many years. He has been the producer and director for national and international recording artists Chante Moore, Kirk Whalum, Al Jarreau, Regina Belle, the late Natalie Cole, Quincy Jones, and countless other artists. He has collaborated on major projects
with Radio One, Clear Channel Radio, KHOU-TV, ABC, TV-One, The Kennedy Center, and he has produced shows and handled technical production, schedules, marketing, sponsorships, and sales for various national conventions, concerts, and festivals. He often selects TSU students to serve as musicians and/or interns. Walker manages a staff of employees for the Abundant Life Cathedral, the Mayor’s Holiday Tree-Lighting Celebration, and other major city events. He has musically produced the inaugurations of the Mayors of Houston for the past 10 years, and the City’s Freedom Over Texas 4th of July Celebration for the past six years. In addition, Walker has produced “Evolution of Gospel” at The John F. Kennedy Center in Washington, D.C., for the past six years and provided the entertainment for the NAACP National Convention for the past three years, traveling to various cities. He is the Vice Chairman of the Gospel Music Heritage Month Foundation Board and has the following experience: President/
CEO of Walker Entertainment Group since 1991; Chief Operating Officer of Marketing Houston; Business Manager of Abundant Life Cathedral; General Manager of Ablife Records, where he spent a great deal of time handling radio functions from sales to promotions, managing talent, and operations. He is also President of Keeping the Music Alive Organization, a company based in Houston designed to keep “real music” in a safe place and archived. Over the coming weeks, Walker will assess the needs of the station and its resources and align his goals and plans with successful outcome strategies. “To state that we’re excited about Mr. Walker joining the station is putting it mildly,” says Eva Pickens, TSU Spokesperson, Advancement VP, and Chair of the Search Committee. “We certainly did see some outstanding talent in the applicant pool. However, the majority of committee members feel that Mr. Walker’s energy, creativity, innovative style and knowledge, and perspective is what the station needs right
now. The majority of the committee is familiar with Mr. Walker’s experience in the field, his work ethic, dedication to students and resources. This will play a vital role in taking the station to the next level. We are happy for our students in that regard as it will be critical that they receive the proper training to launch their careers before or soon after graduation day,” Pickens added. Walker chimes, “I am anxious to get started. I have so many plans to connect KTSU with the community and beyond. For the students, I want nothing more than to see them properly trained, interning in real world experiences and succeeding beyond measure.” Continuing Walker adds, “It really is an honor to lead this entity as we look forward to charting a path to keep KTSU vital and vibrant. We will work hard to build a stronger station for our community of listeners and members. Please stay tuned.” *Content Provided by Texas Southern University
Experience Our World of Advertising, Marketing, Media and Communication
April 2016 7
Out-Of-Office Etiquette: the Right Way to Set up Automated Email Responses By d-mars.com News Provider
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t’s that time of year — the season for Out of Office automated email responses! Whether you’ll be taking a long vacation or will just be away from the office for a day or two, you should know people really do care about your OOO settings. In fact, 77 percent of Americans say they enjoy seeing others’ creative OOO emails, and that setting their own automated response makes it really feel as if vacation has started. Not quite half of all people set up Out of Office responses, however, according to a recent survey by the Center for Out of Office Excellence. And among those who do, 59 percent said they were likely to use a fun, humorous OOO message to announce their absence. However, slightly more than that — 60 percent — said they wouldn’t be sharing personal information, like their vacation plans, in their message. “In this age of constant connectedness and digital distractions, we have less time to make meaningful offline connections,” says Mister Manners, Thomas P. Farley, who has written for the New York Post, hosted a program on the Martha Stewart Living Radio Network and appeared on the Today
show and Dr. Oz. “As human beings, taking the time to disconnect — going truly out of office and not halfheartedly out of office — is vital for all of us. It’s also important to practice good out-of-office etiquette giving everyone the break he or she deserves. That way, once everyone’s back in the office again, we’re refreshed, recharged and ready to reconnect.” Farley offers some tips for disconnecting with dignity:
When setting up your OOO • Keep things short but sweet. Avoid rambling messages, but use a conversational — not clinical — tone.
• Be just informative enough. Include vital facts like whether you’ll be checking email while you’re away, if and how you can be reached in case of a work emergency, who’s covering for you while you’re out and when you will return. • Turn on your OOO right before you walk out the door, and deactivate it once you’ve returned to your desk. Don’t use the OOO as a cheat to avoid work requests when you’re back; 2 percent of people wait until the end of their first day back to reactivate their mail, according to the Center of Out of Office Excellence’s survey. • Just as you have an OOO for your work account, use a personal away message for your personal accounts, particularly if you’re planning to go on a complete email diet. Have fun with your personal away message, infusing it with some whimsy and even inviting friends and family to interact with you on social media rather than email. • Stay the course — if your OOO indicates you won’t be checking email, then don’t check it at all. At the very least, don’t reply as doing so sets the expectation that you’re working while on vacation and will answer emails consistently while away.
When you get someone else’s OOO
• Don’t stress. Nearly 15 percent of those surveyed by the Center for Out of Office Excellence said getting an OOO response makes them anxious because they fear work won’t get done. Instead, remain calm and realize there is no such thing as an email emergency. If you need immediate assistance, simply follow the steps outlined in the sender’s message. • If you’re not taking a holiday or vacation, try not to be jealous. Your turn will come eventually. Meanwhile, relish the fact you’ll be able to take nice, long lunches and get a lot more done with a reduced volume of email from your OOO co-workers. • Don’t clog the inbox of a vacationing co-worker just to get something off your plate (or chest). If your matter can wait, compose your email to outof-office colleagues, but save it in your drafts folder and send it when they’re back in the office. • Avoid sneaky contact, such as interacting with the person on social media where work conversations wouldn’t usually take place. • Stage your own exit. Are you the last person in the office? What are you waiting for? Set your own OOO, shut down your computer and begin your holiday, too. – BPT
Experience Our World of Advertising, Marketing, Media and Communication
8 April 2016
The Blue Print
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By Noel Pinnock
Contributing Writer
he ancient Egyptians built pyramids Tas tombs for the pharaohs and their queens. There are about eighty pyramids known today from ancient Egypt. The three largest and best-preserved of these were built at Giza at the beginning of the Old Kingdom. For thousands of years, the largest structures on earth were pyramids. The most well-known of these pyramids was built for the pharaoh Khufu. It is known as the 'Great Pyramid.’ However, these pyramids cannot be rebuilt despite our technological advances and sophisticated software application, because the blueprints could never be found. If the architects of one of the world’s most prized wonders would have left the blueprints for their magnum opus, then we would be able to duplicate them exactly as they were constructed in the past. Mark Twain once said, “The trouble
as well as wireless apps, connecting with people could not be easier. It doesn’t really take a lot of time to send a message of encouragement or offer a suggestion on an education/career decision. All it takes is an unyielding desire to sincerely care about someone else’s future. Malcolm Gladwell in the Tipping Point described the conditions of creating an epidemic and identified three major factors that contribute to epidemics: with the world is not that people know too little, but they know so much STUFF that ain’t so!” This is true in today’s society, especially as it relates to building our future. It appears that we have lost the thread that was woven in the tapestry of sustaining and cultivating communities that work for the betterment of its residing constituents. I can remember when mentoring and encouraging others was a cultural norm rather than a special event. Neighbors looked after one another, and lessons from yester-years were shared openly and candidly. In a previous d-mars.com Business Journal edition, I wrote: The African proverbial phrase, “It takes a village to raise a child,” is certainly applicable to certain levels of our life. This phrase is not limited to young children, teens, or young adolescents, and it is by no means exclusive to a specific gender, class, or ethnic group. It originated from the Nigerian Igbo culture and proverb "Ora na azu nwa," which means it takes
the community/village to raise a child. The Igbo's also name their children "Nwa Ora," which means child of community. You see, the blueprint of our existence was established on this village philosophy; whereby, everyone in the village played an integral role in the lives of everyone in the village despite gender, class, and other demographical differences. Encouragement was a cultural norm and direction and guidance were unbiased and non-selective. Nowadays, it appears that this blueprint of building our communities has become a faded image on the easel. People really seem not to care about each other anymore. Many people possess the ‘it’s all about me’ mentality. We need to re-engage the people in our communities, because our villages continue to expand everyday. Take the time out to mentor a young person in your community, and encourage him/her to mentor someone else in the community. Continue this process until everyone in the community has a person in their network. With the advent of social media mediums like Facebook and LinkedIn,
1. Change doesn’t happen gradually but dramatically. 2. You have to have something contagious. 3. Small things have big effects. So, I submit to you that these conditions can be applied to creating an epidemic of hope in our struggling communities. We don’t have to re-invent the wheel, and if we borrow the blueprints from our forefathers and foremothers, we will not only be able to duplicate what they did, but do it even better. This is especially true if we want to see tangible and significant advancements for our future and the next generation’s future. It was the smallest encounters in our lives that have had the most profound effect on us. Wouldn’t you agree? If you do, then are you ready? Noel Pinnock is an author and host of “MBK – Houston Movement” on MJWJ Global Radio Network. To read more about Noel, please visit www.noelpinnock.com. #GetAtIt
More Seniors Finding Peace of Mind, Lifelong Care at Continuing Care Communities By d-mars.com News Provider
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re you worried you might one day outlive your retirement savings? Running out of money is a common concern, and the sad reality is it does happen to some people. The Administration on Aging predicts the number of Americans age 65 and older will reach 98 million in less than 50 years, so it’s possible many will struggle to take care of themselves physically, medically and financially. Seventy percent of everyone 65 and older will need some type of long-term care at some point in their lives, the Department of Health and Human Services says. When health issues force seniors to require a higher level of care, they can quickly exhaust their retirement savings. The burden of caring for them either falls on loved ones or Medicaid. A growing number of seniors are turning to life care communities, like those operated by Brookdale Senior Living, to preserve their own long-term well-being and to ease emotional and financial stresses on their families. A life care community — also commonly referred to as continuing care community — charges an upfront entry payment and a monthly fee in exchange for long-term accommodations and healthrelated services. A contract formalizes the
arrangement between the community and the residents, guaranteeing seniors receive the agreed-upon care even if their financial resources are eventually exhausted.
Here are some common questions about life care communities: * Who is a candidate for a life care community? Anyone older than 62 may be eligible to live in a life care community, if they meet financial and medical qualifications. Most continuing care retirement communities offer multiple types of accommodations — including independent living, assisted living, Alzheimer’s and dementia care, and rehabilitation and skilled nursing. This means you can enter the community at any stage, including when you are still independent. As your care needs increase, you can move between accommodation and care levels.
* What should I know about entry and monthly fees? Continuing care communities charge an entry fee that is typically in the range of $150,000-$200,000. Many seniors choose to fund this fee through the sale of their homes when they need to downsize into a more manageable living situation. Fees can vary depending on the type of accommodations and level of care you need. Monthly service fees average $2,500$3,500, depending on the type of contract. While the fee may vary slightly from year to year and depending on the level of care you need, your community may agree to cap increases; Brookdale voluntarily caps annual increases at the consumer price index plus 2 percent at most of its life care communities.
* How will entering a life care community affect my taxes and estate planning? The IRS considers life care to be a prepaid medical expense, so tax deductions are often available for portions of the upfront entry fee and monthly service fee — typically up to 40 percent of the fee. Because deductions can vary state to state, you should consult with your tax advisor to get a better idea of the tax benefits. Entering a life care community can also affect your estate planning. A life care contract takes care of the portion of your planning that would address funding your
health care needs; the contract ensures your health care needs will be met even if you run out of money (through no fault of your own). You may also choose a refundable contract that returns a portion (up to 90 percent) of your entry fee to your designated beneficiary after you pass away. * What are the health benefits of living in a life care community? A life care community ensures your medical needs will be met throughout your life — without you having to worry about how you’ll pay for the care you need. The communities also offer mental health benefits. Live entertainment, special meals and events, daily opportunities to dine with others or participate in games and hobby groups ensure you’ll never lack stimulating activities or interaction with others. Life care also encourages seniors to remain independent for as long as possible, without restrictions on driving, traveling and shopping as long as you’re able. “Longer lives and increasing health care costs mean it’s a harsh reality that many seniors will struggle to care for themselves later in life,” says Dr. Kevin O’Neil, a clinical professor of aging studies at the University of South Florida, and chief medical officer of Brookdale Senior Living. “The good news is life care communities can be a long-term solution, helping seniors maximize the value of their retirement savings, and ensuring they’ll have access to the care they need throughout their lives.” – BPT
Experience Our World of Advertising, Marketing, Media and Communication
April 2016  9
Experience Our World of Advertising, Marketing, Media and Communication
10 April 2016
3 Tips for Achieving Financial Wellness in Retirement By d-mars.com News Provider
overall retirement plan? The answer: it should only be one part of your plan. While Social Security is a great supplement to your income, it probably won't be enough on its own. So be sure to fill your plate with all sorts of healthy options for a well-balanced retirement. To help close the gap between savings and Social Security, consider other sources of income like regular contributions to your company retirement account (being sure to maximize any employer match), external investments and annuities.
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inancial wellness is central to retirement planning. Balancing financial priorities is like eating a balanced meal. When preparing for retirement, it is important to make a commitment to your financial health as you would to your personal health. By looking at one's finances and establishing healthy habits early on, the more prepared you will be for life after retirement. Sixty-one percent of the general population and half of U.S. Latinos plan to rely more on personal savings than on Social Security income in retirement, according to a recent study conducted by Massachusetts Mutual Life Insurance Company (MassMutual). While Social Security plays a role in retirement planning, there are many other funding options to consider. Taking the rights steps at an early stage is key to achieving financial wellness after retirement.
Here are three tips to help secure a healthy financial future: Determine how much you will need. In order to create a solid retirement plan, it's important to understand your current financial situation and determine how much you will need for retirement. Know your income and expenses, and the value of your savings and investments. Then define your goals for both the present and retirement. Maybe you want to save for traveling abroad or for your children's college education, while others prefer to have a part-time job
or stay involved with the business they built. Make sure you conservatively estimate what you need with all these factors considered Know the role of Social Security. Determining how much money you
will need after retirement is the first step to knowing the role of Social Security for your overall retirement plan. Just like with healthy eating, planning for retirement is about finding the right balance for you. This means asking yourself, how will Social Security fit into your
Plan ahead for health care. A study conducted by MassMutual found that 73 percent of retirees in better health say they feel financially secure compared to 51 percent of retirees in poorer health, and planning for the unexpected can help maintain peace of mind. One of the biggest curveballs in retirement can be related to the cost of health care. Be sure to carefully think through and consider your options for paying for health care in your retirement, which may include but should not be limited to Medicare, Medicaid and various forms of insurance. Maintaining financial wellness after retirement is all about keeping a good balance and knowing the different options that are available for savings and income. The biggest benefit in the end will be peace of mind and enjoying a comfortable retirement that will fulfill your needs and expectations. A financial professional can work with you to create a roadmap towards financial wellness. To learn more, visit massmutual.com. – BPT
5 Ways to Make Your First Impression a Lasting One
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By d-mars.com News Provider
ithin the first few seconds of meeting someone, an opinion is immediately formed that can last forever. This encounter often sets the tone for the relationship that follows. So how can you make your first impression a positive one?
Here are some tips to help you knock your first meeting out of the park: Take pride in your presence Physical appearance is the first thing people observe before an introduction. Always dress appropriately for the occasion, whether it’s a casual lunch or a formal business meeting. A go-to suggestion is to maintain a clean and crisp
appearance for most events because you can’t go wrong – think business casual. This look can be trendy and professional and will position you in a positive light. Being mindful of your appearance will give you more confidence to help make a great first impression.
Share your best smile A warm, genuine smile is your best tool in making a first impression unforgettable. “A self-assured and convincing smile starts with regular oral care practices to keep your teeth clean and your breath smelling fresh,” says Dr. Christopher Ramsey, DMD. An easy way to do this is by adding a mouthwash, like Crest Pro-Health Advanced Mouthwash with Extra Deep Clean to your daily routine. “These advanced mouthwash formulas strengthen teeth, kill germs and freshen breath, so you are guaranteed to have and maintain an impressive smile,” says
Dr. Todd Snyder, DDS, AAACD.
Showcase your positive attitude For people who get nervous when interacting with others, it is essential to sustain a calm attitude and optimistic outlook. Go into the meeting with an open mind and learn something new. Contribute to the conversation and maintain engagement. Showing attentiveness is often contagious, as the person you meet catches on and reciprocates.
Be conscious of your body language Body language is a crucial element in daily human interaction. From the way you walk to a meeting, to the hand gestures used while you speak - body language is just as important as the words you say. Start by standing tall, mak-
ing appropriate eye contact and giving a firm handshake. Demonstrate open body postures by keeping your head up and relaxing your shoulders. Crossed arms and legs make you appear closed off and unapproachable, so be mindful of how you might appear to others.
Be yourself Being true to yourself is the best way to be presentable to others. Be comfortable with your personality. If nervousness kicks in, take a few deep breaths and remember to be calm and confident. A composed demeanor will put anyone at ease, sealing the deal on an excellent relationship as you move forward. Making an everlasting first impression is simply about being at peace with who you are and being ready to meet others. Try some of these above tips at your next meeting, networking event or job interview. – BPT
Experience Our World of Advertising, Marketing, Media and Communication
April 2016  11
Experience Our World of Advertising, Marketing, Media and Communication
12  April 2016
6 Smart Ways Your Tax Refund Can Help You Get into Your First New Home By d-mars.com News Provider
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he average tax refund for the 2014 filing season was nearly $3,000 and the IRS doles out about 100 million of them every year, according to IRS data. If you'll be getting a refund this year, instead of spending it on more stuff you don't need, why not invest in your future and use your refund to help you make that first-time home purchase you've been dreaming about? "Your tax refund can be a great tool to help you progress toward homeownership," says Eric Hamilton, president of Vanderbilt Mortgage and Finance, Inc. "You can use it in a number of ways to facilitate the home-buying process, from putting it toward a down payment on a new home to paying down high-interest credit card bills - a move that may help improve your credit score and borrowing power."
Here are six ways first-time homebuyers can use their tax refund to help them get into their
new home:
1. Put it toward a down payment. The days of buying a house without any down payment are pretty much gone for most people. Depending upon the loan program, a down payment can be significant. The more you put down, the less you will have to borrow, and the less you'll pay in interest over the life of your mortgage. You can open a separate savings account and use it to build your down payment fund and deposit your tax refund into it so you won't spend it. Vanderbilt offers an online guide to down payments at www.vmfhomeloan.com. 2. Use it to improve your credit score. A good credit score can help you get the best possible mortgage offer, so put your tax refund toward actions that may help improve your score. For example, paying down high-interest revolving debt can help improve your credit score, so use your refund to pay off credit cards and avoid accumulating any more credit card debt while you're saving toward your first home purchase. 3. Apply it to closing costs. When a home purchase is financed,
closing costs like attorney's fees, appraisal and inspection fees, title insurance, and escrow costs are typically charged and are not always permitted to be rolled into your monthly mortgage payment. Financing costs can be quite expensive and are required in addition to the down payment, and you may need to pay these costs in cash. Your tax refund can be a great way to help pay for closing costs. 4. Put it toward taxes and insurance. Once you own a house, you'll need to pay property taxes on it and insure it. You can also put your tax refund toward paying these costs. Or, if your taxes and insurance are paid through your mortgage, use your tax refund to purchase additional insurance - and greater security - such as an umbrella policy. Consult your insurance agent to determine whether purchasing additional insurance coverage is right for you. 5. Use it to cover moving costs. Even if your entire home-buying process goes smoothly and you've done a great job of saving money and managing your finances, you'll still face expenses associated with moving into your new home. Your tax refund can help cover
the cost of renting a moving truck, purchasing packaging material, paying deposits to start utilities service and more. 6. Use it to build your emergency fund. Every homeowner should have an emergency fund - a savings account with a balance sufficient to cover several months' of expenses, including your mortgage payment. An emergency fund can help protect you from financial issues if you lose your job or experience an unexpected expense, such as a major car repair. To learn more about mortgages and manufactured homes, visit www.vmfhomeloan.com. NMLS Licensing Disclosure
Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, ( http:// www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Finance Lenders Law license, GA Residential Mortgage (Lic. #6911), Illinois Residential Mortgage Licensee, KS Licensed Mortgage Co. (SL.0000720), Licensed by the NH Banking Department, Mississippi Licensed Mortgage Company, MT Lic. #1561, Licensed by PA Dept. of Banking.
Experience Our World of Advertising, Marketing, Media and Communication
April 2016  13
Experience Our World of Advertising, Marketing, Media and Communication
14 April 2016
5 Bankruptcy Questions to Ask Your Attorney
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By J Thomas Smith Contributing Writer
ritated and unhappy. Many attorneys aren't well-qualified to handle your bankruptcy case. Some, with little or no experience, will take your case because they view bankruptcy cases as a new stream of income. So those attorneys don't fulfill your expectations. Simply having a license to practice law is not enough to prove to you that they are qualified to handle your case.
f you think that being bankrupt is the worst thing that could happen to you, then you better think again! Yes, that’s right. The worst could be on the horizon. However, you can eliminate the possibility of a worst case scenario by simply making correct decisions! Hiring the wrong lawyer can make your worst nightmare a reality. So it is better that before hiring an attorney, you do some basic research and make sure that you find an attorney with the experience to help you navigate through the mess the led you to bankruptcy in the first place.
How to Find the Right Lawyer
Facts About Selecting the
Once you find the right attorney, a short conversation can tell you a lot more about the attorney you have chosen. You can ask him or her about their expertise, and you can determine if your personalities are compatible. The attorney will certainly be evaluating your personality to determine if they feel comfortable working with you. Once you select the attorney, there are certain things you must discuss. You need
Attorneys Because many attorneys are very often overworked, they may not be fully attentive, that is to say listening for all of the facts and getting all of the details of your case. You might even come to feel that your attorney isn't pursuing your case in the way that you want. Before long, you will feel ir-
Getting information from friends won't necessarily lead you to a good lawyer unless they have had experience with the lawyer themselves. It may also be helpful to speak with other legal professionals or lawyer referral agencies to get the right bankruptcy lawyer for you. You might even go to a bankruptcy court and observe the attorneys there for yourself. Maybe during your observations, you will find some attorneys who make you feel confident that they are good enough for you.
After You Find the Right Lawyer
to know whether he/she will charge for a consultation and what type of bankruptcy you should file. Consumers filing bankruptcy will file either a Chapter 7 (total liquidation) or a Chapter 13 (a wage earner plan). Your attorney can best point out which type suits you for filing bankruptcy. The determination will be made after applying the “Means Test.”
The Bankruptcy Process Secondly, you need to ask about the bankruptcy process. You have to understand residency requirements. Your case must be filed in the state and county where you have been living for the required period of time. You need information about prefiling credit counseling. Ultimately, the attorney will prepare the necessary paperwork that is needed to file and present to the courts. Thirdly, you must know the fees that are involved in the filing for bankruptcy. The total fees will comprise of the attorney's fees plus the court filing fees that will be needed to file your bankruptcy case. Fourth, you must know where you should appear for the Meeting of Creditors, officially the 341 meeting. You are required by law to appear at this meeting. You need to consult your attorney on how to get there and what documentation you are required to bring.
Effects of Filing for Bankruptcy Finally, you must know the after effects
of filing for bankruptcy. Your creditors will receive notification from the courts of the filing. The filing of your bankruptcy will immediately operate as an automatic stay, preventing various forms of creditor action against you, the debtor. A creditor cannot begin or continue a judicial proceeding against you. The creditor cannot create or enforce a lien or repossess your property. The creditor will not be allowed to contact you for payments.
Designed to Give You a “Fresh Start” As stated above, a hearing in court will be set, and the case will proceed depending on the type of bankruptcy filed. If done properly and in a timely manner, you might feel that filing bankruptcy is the best thing that you’ve done. It is all designed to give you a “fresh start.” But remember, this is your fight, not your attorney’s. You attorney will fight with and for you, but you have to be really involved and follow your case. You can’t expect to just drop off a shopping bag full of papers and disappear, leaving everything on the attorney! J Thomas Smith is host of “Sunday Morning Live” on KMJQ/Majic 102.1 (9-11 am) (www.myhoustonmajic.com). He is an attorney (www.jthomassmithlaw.com), author (www.thesecrettoanewlife.com), keynote speaker (www.jthomassmithspeaks.com) and mental health consultant (www.jthomassmithsap). Your feedback is welcomed at drj@worldfamousradio.com. Follow on Twitter @drjtsmith102.
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April 2016  15
Experience Our World of Advertising, Marketing, Media and Communication
16 March 2016
Providing Quality Constr in the Private and Publi By Dawn Paul
Associate Editor
H
ardy Jones, III, President and Founder of Imani Quality Concepts LLC, is one of the most respected in Texas as a premier designer and builder not only in the private, but the public sector as well. Imani Quality Concepts is a general contracting firm founded by Hardy in 2006. Hardy’s roots are in Beaumont, Texas, and he credits his Texas roots and his parents for making him the successful businessman he is today in the design and building arena. Hardy has grown the firm from doing small remodeling projects to performing new construction and commercial projects. Hardy was inspired to start the company after seeing his father, Hardy Jones, Jr., build their family home. Witnessing his father in this project allowed him to see how
construction can bring employment opportunities for family members and the community. Imani Quality Concepts provides a full array of residential and commercial construction services and has collaborated with both private and public sectors. As an African-American entrepreneur in this industry, Hardy says, “It’s imperative that we embrace and make opportunities in the field of construction. If looking in our roots, we as African-Americans have developed, constructed, and innovated all sorts of entrepreneur opportunities, skills, and abilities that have gone unseen. We started off small, but I’m very proud of where Imani Quality Concepts is now.
We look forward to many more years of success.” Hardy is well-known in the area for the quality services that Imani Quality Concepts provides. The company offers services in the areas of construction management, disaster recovery services, and design/ build solutions to meet and exceed client needs and expectations. The company’s capabilities include, but are not limited to rough/finish carpentry, drywall, painting, and fire restoration. Imani Quality Concepts has gained a much-
Hardy Jones, III spoke to d-mars.com about How have you seen Imani Quality Concepts grow since 2006? There has been positive business growth in Southeast Texas due to expansion and increased construction capacity. Imani Quality Concepts went from a remodeling company in the 4th quarter of 2006, to being able to grow to a full general contracting company. We have a discipline in trim carpentry, drywall, painting, and more. More importantly, we make a commitment to seek leaders of innovation and design, so that we collaborate with our team on a continuous basis. Our clients receive the best,
because providing the best is the mindset of the Imani Quality Concepts’ team. Talk about the work ethic your parents passed down to you that has helped you to be the success you are in the industry today. My parents have had a positive impact in my life and have helped to make me the businessman I am today. My father, Hardy Jones, Jr., set a great example as the head of the household. He provided for our family, working hard in corporate America. One of his proudest moments was when he was able to build our family a home. Witnessing how the construction of our home provided jobs really stuck with me. My dad also made me work. At a young age, I was cutting the yard, working in our family business, or working with him on some project. Hard work was taught at a young age. My mother, Beverly Jones, has always been a motivator. She always encouraged me to follow my dreams and to not give up. It was the little things my parents taught me that have helped me go a long way. I believe all of this was part of God’s plan.
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How does Imani Quality Conc competition? Imani means “faith” in Swa to me. At Imani Quality Conce we do. My team and I always to ensure that they have faith at customer service is of grea any of our clients for granted provide value in our services. above and beyond to let them business. Our customers app them.
What advice do you have for industry? Construction is not a 9 to 5 everyone, and the work can b out. If you’re a person who en and who takes pride in buildi up, it can be a very rewarding good ethics, and trust to buil opportunities to win jobs you and are willing to make sacri great reward. People that are also seek internships, attend programs to learn about the f successful at.
March 2016 17
ruction Services ic Sector deserved reputation in the industry for being stellar when it comes to quality, schedule, and consistent dedication to client satisfaction. The Imani Quality Concepts’ construction process begins with the assignment of one of their experienced construction managers to provide continuity and direction throughout the life of the project.
Hardy and his staff of qualified and highly skilled professionals take pride in their extensive experience, working collaboratively with design/build projects to identify and plan accordingly to make the client experience and process flawless. The depth of Hardy’s experience is matched by his meticulous standards and the company’s core strength. Hardy, through Imani Quality Concepts provides the capability, experience, and resources needed, while maintaining the personal responsiveness and commitment to excellent service that is paramount to the success of all projects he manages. Hardy has worked hard and made it a priority to provide customers with the best service, so that Imani Quality Concepts could establish itself as one of Texas’ most respected in the industry. The company has maintained its reputation for quality construction as a general contractor. Serving
t Imani Quality Concepts:
cepts stand out from the
hili. My faith is very important epts we have great faith in what s want to embrace our clients h in what we do. Being stellar at importance. We never take d. We listen to our clients and . We at Imani Quality Concepts go m know that we appreciate their preciate our approach to serving those going into the construction
5 job. This industry may not suit be unpredictable when starting njoys working with your hands ing something from the ground g career. It takes hard work, ld your clientele list and have u bid on. If you have the drive fices and take risks, there will be e entering the business should d workshops, and mentorship field of construction and be
How has Imani Quality Concepts been successful in staying current with the trends in the industry? One of the reasons for our success is that we have been successful in staying current on the trends in the industry. Nothing stays the same. The industry changes, and if you don’t keep up with it and change with it, your business can suffer. Imani Quality Concepts has stayed current with industry standards. We constantly study the new regulations and policies set forth by the National Association of Home Builders, legislation, and the municipalities. We also use modern technology, keep our software updated, and our staff taking continuing education classes is a must. Doing these things helps keep us ahead of our competition, allowing us to remain a notable, reliable, and respectable authority in the field of construction. Imani’s certifications and memberships include, but are not limited to: • State of Texas HUB • Texas Department of Transportation DBE • City of Beaumont MBE • Houston Minority Supplier Development Council MBE • Golden Triangle Minority Business Council MBE • Accredited Business-BBB • Greater Beaumont Chamber of Commerce • National Association of Home Builders • Texas Association of Home Builders • Southeast Texas Association of Home Builders • International Code Council
clientele in the public and private sector, Imani Quality Concepts not only meets client needs, but exceed expectations. Not only do they design and build businesses and dream homes, but they make the process enjoyable. This full service design and build company has years of experience, and they can help you with all phases of construction. For more information on Imani Quality Concepts LLC and their quality services, please visit www. imaniqualityconcepts.com.
“At Imani Quality Concepts LLC, we pride ourselves on transforming our client’s vision into a tangible structure that generates opportunity and brings dreams to reality. We are committed to delivering clients a fully integrated staff that will ensure optimal performance throughout the project. Imani Quality Concepts’ success was built on honesty, integrity, and trusted relationships with clients and through strategic partnerships.” — Hardy Jones, III
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18 April 2016
Preventing Brain Drain: Important Aspects of a Summer Learning Program By d-mars.com News Provider
natural that kids will develop enhanced spatial awareness, visual processing, and fine motor skills. Even better, the Bricks 4 Kidz proprietary models and camp activities are centered around popular themes that kids love!
D
o you hear that? It's the cheering of students as they run through the hallways on the last day of school. They're excited for three months of playing outside with no teachers and no assignments. What will they get into this summer that will keep them entertained, active, using their brains and socializing with peers? "It can be tempting for kids to fall into the old habit of lounging on the couch in front of the TV all day when out of school. Students often don't get an adequate mix of challenge and fun during the summer months," says Ellen Marks, Curriculum Director of Bricks 4 Kidz(R), an award-winning summer camp and after-school program. "Summer is an ideal time for them to take on new challenges, engage in critical thinking and have fun with peers in an energetic atmosphere." Luckily, you have somewhere to turn to shift your children's summer break into a fun learning opportunity. The last day of school comes faster than you think, so there's no time to waste. If you're looking for a way to combat couch-potato syndrome and keep your child entertained, an exciting summer
Get children away from TV and video games
camp program may be just what your family needs. A pool of talented Bricks 4 Kidz camp teachers are waiting to help your children grow while having a blast. Your child's summer camp should:
Use relatable and engaging tools LEGO Bricks are the ultimate informal learning tool, especially in the summer when kids are wishing for more
fun playtime. Not only do they prompt kids to naturally practice methods of engineering through hands-on building, they also engage their imaginations and boundless creativity. Gears, motors, robotics, and LEGO computer software programs also help children grasp technology in ways they might not during the school year, so they'll experience a whole new level of amusement. When building with LEGO Bricks, it's only
Don't let your kids sit at home in front of a screen all summer. "Children need a chance to experience working in a group setting as well as on their own," says Michelle Cote, founder and president of Bricks 4 Kidz. "Group work allows them the opportunity to collaborate and learn about their peers, while working alone helps build self-confidence. Creative and imaginative play is also beneficial to child development, so help your kids get up off the couch and into an environment that encourages both playtime and learning." Kids can easily avoid brain drain this summer when they learn through playing. Put them in a program that will employ their minds while having fun and making friends along the way. To find a program in your area, visit www.bricks4kidz.com. You can learn more about their programs and new summer camps by searching for a location by state or zip code. – BPT
Mythbusting the Adjustable Rate Mortgage tween their adjustment points. Refinancing is always an option for those with ARMs. Just remember to calculate closing costs on your refinance to make sure you're actually improving your situation. Research and the guidance of a trusted lender will be the winning combo for saving money over the life of your mortgage.
I
By d-mars.com News Provider
n pop culture, myths can sometimes be mistaken for truth. Common ones, like, "don't swim for a half hour after eating," or "we only use 10 percent of our brain," are false even though they're widely taken for fact. The adjustable rate mortgage (ARM) earned a bad rap after the 2006 housing crisis. The problem was, before the crisis, many borrowers were able to qualify for more home than they could actually afford by using interest-only, No Income Verification or No Ratio ARM products. When the housing market tanked and many houses lost value, some homeowners with rising mortgage payments either foreclosed or walked away from their properties. Fast forward 10 years to today. The ARM is back to show potential homebuyers it's not the villain of the housing market. It's time to debunk the myths that give ARMs the "bad guy" reputation it doesn't deserve.
MYTH: ARMs are unstable and aren't a good option while the Feds are raising rates. This myth stems back to the days
MYTH: ARMs are only for people who want to be in a home for a few years. of the 2008 recession. It's like saying, "dial-up is the fastest way to access the Internet," it's just not true anymore. All ARM loans have annual and lifetime caps, so there's built in protection. If stability is what you're concerned with, consider an ARM with a longer adjustment period. For example, Navy Federal Credit Union's 5/5 ARM adjusts only once over the initial 10-year period. Interest rates rise and fall in cycles. Even if rates are increasing now, that doesn't mean they won't be on the downturn when you arrive at your potential adjustment point. Many ARM mortgage holders never refinance to a fixed rate because the many ups and downs of the market happen in-be-
Not true. ARMs have fixed intro periods that can vary from one to even 15 years. If you think you'll own that home for five or six years, a fixed mortgage rate may have a higher interest rate over that span. So why spend the extra money associated for the added security of a fixed rate? "The potential savings on an ARM, can range from $10,000 to $20,000, compared to a 30-year, fixed rate jumbo mortgage," said Katie Miller, Navy Federal vice president of Mortgage Lending. "That's enough money for a down-payment on a car, or part of your child's college tuition." Again, it pays to plan for various scenarios based on how long you plan to own the home.
MYTH: Rates only rise when you have an ARM. The term "adjustable" gives the misconception ARMs are unstable. The ARM is very similar to a fixedrate mortgage; both offer a 30-year term with no prepayment penalty and early payoff options, among other similarities. The intro rate period (usually a lower rate) and potential rate changes (up or down) over the life of the loan is what makes an ARM unique. Knowing your cap and what the difference in payments are over the life of the loan protects you, even if rates are on a roller coaster. Knowledge is power as an ARM holder. That "power" helps you make necessary calculations to figure out a yearly breakeven point should your interest rate increase and your introductory rate savings begin to decrease. Check out an ARM vs. Fixed-rate Mortgage Calculator to see if this type of mortgage works for you Like any myth, do your research before accepting it at face value. If you add up the ARM's initial savings plus the cost to refinance, an ARM is hard to beat from a financial standpoint, and that, is the truth. – BPT
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April 2016  19
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20 April 2016
In the Business Community…
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Business Event at HCC
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April 2016 21
A FUTURE IN PROGRESS DEAR COMMUNITY:
An exciting transformation is underway, one that has already started to elevate Houston Community College to a new standard of excellence and a model for community colleges nationwide. As we continue down this road of change, we want to share the status of our positive momentum: how far we have come, what we are doing, and the direction in which we are headed for our students, businesses and community. Over the last year, we have streamlined operations to make it easier to work with the college, revolutionized the student experience and fundamentally reshaped how we work with businesses and industry partners. Although this level of change takes time – especially with an institution of this scale – the early results speak volumes and show real promise for our college and community in the years ahead. HCC is among the top community colleges in the nation for preparing students for jobs and universities. We continue to work on new innovations, to scale our partnerships and results, and to rethink our approach – necessary steps for all high-performing organizations. We recognize the changes in technology, business, and society, and we are constantly adapting to help prepare our students for an ever-changing world. This strategy has enabled us to make significant progress in improving the student experience before, during and after their time with us — as well as helping them secure higher paying jobs and entrance into the universities they want to attend. Highlights of this transformation in 2015 included: •
Graduating 22% more students than the previous year.
•
Receiving the prestigious award for Excellence in Governmental Financial Reporting, the 2015 Higher Education Excellence in Diversity Award, recertification as an Achieving the Dream Leader College, and national recognition for our graduation rates.
•
Paving the way for a Board of Trustees vote this past January that was unanimously approved for a first-of-its-kind plan to waive the out-of-district fees for Dual Credit students. Starting this fall, this will allow high school students from all districts to attend HCC at no charge.
•
Obtaining an award from the U.S. Department of Labor for $4.2 million to fund apprenticeship programs in Healthcare, IT industries and plumbing occupations.
•
Earning a revised outlook from Moody’s Investors Service on the HCC system to stable and wan upgrade on the Junior Lien debt, which reflects a strong management team and the projection of continued operating health.
•
Establishing many new and innovative partnerships with leading companies and organizations, such as Wells Fargo Bank, the Robert Garner Firefighter Foundation, engineering departments at University of Texas at Tyler and Texas A&M University, San Jacinto College, Mississippi Gulf Coast Community College and Jones County Junior College for an Upstream/Midstream Skill Training and Safety Collaboration, the Houston Area Construction Education Collaborative with Lone Star College, San Jacinto College and the Houston Airport System, and The Greater Houston Partnership for UpSkill Houston.
Despite our many accomplishments, our transformation is a journey and there is much more work to do. We are Houston’s community college, and we are committed to becoming even better in all that we do and all that we offer. To achieve our vision, we will continue to push the boundaries and dare greatly, focusing on the need to ensure quality instructional programs and courses, increase student retention and persistence rates, service high demand fields through skills training and credentialing programs, and improve the student experience. We understand the pivotal role we play in helping the people in our community obtain vital education and necessary skills and in supporting the businesses that drive our economy. In fact, our economic impact hits on local, regional and state levels in a major way. Last year, HCC and its students added $3.4 billion in income to the service-area economy. That is why we have gone to great lengths to develop a pathway to achieve our vision, to fulfill our duty to be responsive to the community and be fully engaged with each other. Because this college does not belong to a few, but to the whole of our great city, and it is essential that all of our major stakeholder groups – students, society and taxpayers – benefit from their investments. This past year has produced solid results to that end. In fact, for every $1 spent, it represents:
STUDENTS
$2.80
gained in lifetime income for students.
SOCIETY
$12.80
gained in added state income and societal savings.
TAXPAYERS
$6.30
gained in added taxes and public sector savings for taxpayers.
Thank you for your continued support, your belief in our college, and your dedication to our great city. It is your commitment that truly makes the difference and allows us to take HCC to new heights. In service,
Adriana Tamez, Ed.D. Board Chair Houston Community College
Cesar Maldonado, Ph.D., P.E. Chancellor Houston Community College
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3/9/16 12:40 PM
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24 April 2016
Your Mind Determines Your Destiny – How to Change Your Mindset By William H. Harrison
W
Contributing Writer
hen’s the last time you had your oil changed? What about the last time you had your tires rotated? Several of us have reminders that tell us when it’s time for routine maintenance on our vehicles, appliances, and other items, but how many of us have a reminder to perform maintenance on our minds? What’s mind maintenance? It’s ridding your mind of all those negative and limiting beliefs that keep you from reaching your peak potential. In this month’s article, I’m going to show you how to change your mindset to become a better leader. Take Inventory – “What do you think?” This is a simple question that people can’t always answer. What are your thoughts on success and why? Can you handle rejection well? What usually
happens when a member of your staff delivers unpopular news? It’s impossible to change your mindset if you don’t know which thoughts dominate your mind. You have to get inside your head and analyze your beliefs. This is not a stress-free task and it can be scary at times. It’s hard looking at ourselves in the mirror and identifying our imperfections and warts. However, this is a necessary step to a renewed mindset. I recommend starting with a personality test. There are countless free test online from reputable websites. With your results in hand, you will have a better idea of what to focus on for your personal change plan. Unplug – According to Uproxx.com, the average American watches about 5.5 hours of TV a day. Accounting for all other forms of entertainment (i.e., social media, listening to the radio, etc.), the average American consumes approximately 11.5 hours a day of electronic media. We all can afford to cut back on our media consumption. That includes cutting back on all the news and political talk shows. I’m willing to bet that very little of what we watch or listen to is healthy for our minds. Let’s spend more time reading and/or exercising. According to Harvard Medical School, exercise changes the brain in ways that protect memory and thinking skills. It also is
an adequate defense against depression. Reading increases concentration as well as improves your memory. Establish a Routine – To be successful, one has to be intentional. A renewed mind requires plenty of dedication and determination. Developing a routine increases your chances of success. I have a daily ritual where I begin every morning listening to something positive. Beginning each day with a motivational message is a great start. This doesn’t mean you won’t encounter challenges, but it does mean you will be better equipped to face them. A daily walk or other similar stress relievers (e.g., meditation, laughter, etc.) can promote a positive outlook. There are countless stress management activities you can do. It’s important that you figure out what works best for you and implement it. Stay Positive – Last but certainly not least, it’s important that you keep a posi-
tive attitude through this whole process. Change doesn’t happen overnight, and it’s possible to revert back to your old habits. It’s helpful to keep track of your progress in a personal journal. Developing a set of positive affirmations for those times when you start doubting yourself is also a great tool. I’m always listening to motivational speakers like Les Brown and ET the Hip Hop Preacher. Both gentlemen are masters at pumping you up when you are down. Maybe a vision board will also help you stay the course. It’s important that you fight the temptation to become upset if you don’t see instant results. Remember your mind determines your destiny. Every great business leader understands this principle. The brighter your outlook, the better your prospects. Therefore, take inventory, unplug, establish a routine, and stay positive. I also recommend The Power of Habit by Charles Duhigg. Will Harrison is Principal Consultant at West Arlington Consulting Group. West Arlington focuses on helping businesses gain superior performance while reducing cost. To learn more about Will and West Arlington or for booking information, please visit www.waconsultgroup.com.
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. ®
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