d-mars.com Business Journal 11 by d-mars.com

JAN/FEB 2007 I n s p i r e ,

I n f o r m

E d u c a t e

11th Edition FREE

Women in it to Win it!

FROM LEFT TO RIGHT: MR.D-MARS, Yolanda Green, Dr. Jonita Wallace, Bishop Terri Smith-Little,

Paula McCann Harris, ReShonda Tate Billingsley and Sharon Phillips.

Tess Tims Tess Tims International

Helen Dunne Thrive

Debra J. Ross

American Capital Insurance

Photo By: Zach Jones

Nicole West

NCA Investigations

www.d-mars.com | JAN/FEB 2007

Behind the

Journal

Publisher’s Message Keith J. Davis, Sr.

Publisher Keith J. Davis, Sr. Editing Consultant ReShonda Tate-Billingsley Operations Director Ana Romero Administrative Assistant Martha C. Perez Project Coordinator Kristal Duhon Sales & Marketing Director Deshawn Colbert Sales & Marketing Assistant Ebony White Chris Ardoin Multimedia Director Albert Reff Andrea Hennekes Layout & Graphic Designers Vladimir Orozco Corneleon Block Nathan Broussard Distribution Booker T. Davis, Jr. Photography Zack Jones, Jones Photography

When you publish a magazine on a monthly basis, it’s hard to favor one edition over another. But I would be remiss if I didn’t acknowledge how extremely proud I am of this edition focusing on Women in it to Win it. As a product of a strong black woman (God rest her soul), I know all too well how a determined and motivated woman can move mountains. I’ve seen firsthand how women with the weight of the world on their backs can still find time to be mothers, wives, girlfriends, caregivers, disciplinarians, and in the case of the women featured here, enjoy thriving and productive careers. It was difficult to narrow down the choices of women we here at D-MARS felt epitomized “Women in it to Win it.” But we’re happy with our final selection because these women serve as inspiration and their dedication to their respective crafts should be motivation to even the most unmotivated individual. I learned a lot from the women in this issue. I know you will, too. Whether you’re looking to get in shape, publish a book, start a business, or run a major company, the fortitude of the women featured here can serve as testament to us all. I hope you enjoy this edition and please tell everyone you know to pick up their copy as well.

Contributing Writers Pat Tucker Ramone Harper Kimberly Patterson Pat Tucker Natasha Gransberry Ken Carwin Glover Bishop Terri Smith-Little Pastor Lorenzo Ewing Chendra Richardson Ronald E. Reynolds, Esq.

MR. D-MARS Tip of the Month

Winning

is all about

b Co le n

attitude

Women in it to Win it.........................................................................4 What is Your It......................................................................................14 The Red Carpert Affair......................................................................14 Financial Matters................................................................................. 20 What are Lemon Laws......................................................................21 Spirtually Speaking...............................................................................23 New Beginnings.................................................................................... 23 Fitness Is her Middle Name............................................................ 27 When you look good, you feel good..............................................27 Traditional Way..................................................................................... 28 Tax Time................................................................................................... 29

www.d-mars.com | JAN/FEB 2007

color, compared with 15 percent in 1998. Those numbers prompted many black women to step out and start their own business.

Follow your passions A desire to do something they truly love is also fueling a growing number of women making the transition to do their own thing. Some, like former Fox 26 reporter, ReShonda Tate Billingsley are leaving comfortable (and well-paying jobs) to follow their passions. “As much as I loved working in television, I felt I had a higher calling,” Tate Billingsley says. She found it in the stroke of a pen. “When I first started writing books in 1999, I just wanted to write stories a few people would enjoy. I had no idea the lives my stories would touch.”

Women in it to E By Pat Tucker

Contributing Writer

Even though engineer Paula McCann Harris had her plate full working in an offshore environment, the mother of one active daughter knew she had a desire to do more. So she decided to write a book and open a home health care business, something that has brought her much success.

But with success comes challenges. “My husband and I faced multiple challenges growing DPM Alliance from a home based entity to a certified 25 employee home health and home hospice business,” she said. Harris, who recently bought her own commercial building in Midtown, saw those challenges through and today, her fast-growing company is setting a precedent for other health care businesses in the Houston area. The same can be said for physical fitness trainer Helen Dunne, who faces a struggle many successful black women know all too well. “My life can be challenging at times,” Dunne says. “The demands of raising four strong young men, effectively managing my time and meeting the needs of my clients, while making sure that I stay physically, mentally and spiritually fit is challenging. However it forces me to stay focused and discipline and organized. I am my product, so I have to keep everything together to demonstrate success.”

Now, a national bestselling author with eight books to her credit, ReShonda writes full time and travels the country speaking and touring. “I meet people who tell me my books changed their lives, or made them reflect on their own personal journeys. Or even people who just say my books helped them escape into a world of enjoyable entertainment – if only for a little while. When I hear stuff like that, I know that following my passion was the right thing to do,” she said. “I always tell people if you wouldn’t do your job for free you’re not doing what you truly love.”

Harris and Dunne are indicative of a growing Some, like CW39 Community Affairs number of black women who are branching out on Director Yolanda Green, have found their passions in their day jobs. Not only does Green their own. enjoy her job directing community relations The number of firms owned by African at the WB station and hosting a public affairs American women is growing four times the show, but it’s allowed her to be successful and average national rate. Analysts say entrepreneur- do what she loves – working with children. ship is the next frontier for these women. They have degrees, work histories and, increasingly, “I understand that it’s not about me, but about someone much greater. By knowing that God management and sales experience. has placed me in the position I’m in, keeps me A Catalyst Study of Women of Color In humble and allows me to follow his direction Corporate Management found that of the 368 for my life,” Green says. women of color surveyed, 32 percent said that opportunities for advancement to senior leadership Making connections in their organizations had declined for women of Most successful women agree, networking is key to their success.

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“It’s important to network because you have to be connected to community leaders, grass roots organizations, business and political leaders,” Green says. “Networking is one of the keys to my success,” adds Harris. “I stress its importance in my book, For Sister. Instead of book signings, I would regularly have networking nights where I would discuss the book briefly and then have everyone in the room stand and tell of the opportunities they are looking

compared with 49 percent of those who did not have a mentor. “When I think of the people that have sacrificed, mentored, prayed for me, I know I owe it to others to give back. As a successful African American, it is our obligation to make sure that those coming behind us are prepared for the many obstacles that they will face. Helping others is a sure shot to success,” Harris said. “Giving back is important to me because it was the kindness and compassion of others that helped me, as a young, confused teenager, understand and begin to strive for my full potential. Each of us has a responsibility to help others along the way. Remaining selfless is essential for personal growth. When I mentor, I am contributing to someone else’s success. This is the very ideology from which we should all base our lives. When we have a gift, we must share it,” Times adds.

What it takes to win The common denominator among many successful women is an extreme determination to excel. “When I first started writing, I got rejected by the major publishers, but I persevered and eventually those same people that rejected me came back and offered me a deal. I decided I wouldn’t let anyone but me and my God determine my destiny and God told me I was destined for greater things and I dedicated myself to making that happen,” Billingsley said. Bishop Little says on those difficult days, a strong spiritual foundation will see you through. “I believe that you have to plan for success; opportunities are always near you, but are often times waiting to be recognized. Learn to recognize the opportunities that exist around you, seek God’s direction as you meditate on the Word, and finally - take action. Faith without works is dead!”

Win it!

for or could provide others. Missed networking opportunities are detrimental to any career or business.”

Tess Times, a noted hair care expert says, her businesses can’t succeed without proper networking.

“The best way to build name recognition is through networking. The Beauty Industry is about building relationships and developing personal connections. Because of the competitiveness within the Industry, getting out and meeting people is critical. Networking provides the best vehicle for the creation of lasting business relationships,” Times said.

Bishop Terri Smith-Little, who heads Love Family Ministries, says building relationships is important in any field. “We each have a limited range of knowledge; we are each shaped by our own set of experiences and networking gives you the opportunity to share your experiences with others. In return, you receive the added benefit of someone else’s area of expertise. When we build relationships with others in our field, we have the unique opportunity of being blessed by each other’s talents, being inspired by each other’s abilities and even learning from each other’s mistakes,” she adds.

Giving Back Another central theme among women who are succeeding in their respective businesses, was they all felt the need to reach back and help someone else succeed. The Catalyst study found that 69 percent of the women who had a mentor in 1998 had achieved at least one upward career move,

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If you don’t know her name, you definitely know her face. She is Yolanda Green - community pioneer, children’s advocate and television personality.

Yolanda’s broadcasting career began in 1994 and includes work in both radio and television. She currently serves as the Community Relations Director and Host of “Outlook Houston” for Houston’s CW39. As the Host of “Outlook Houston” she works to educate, inform and empower viewers on critical issues facing the Houston community. It’s a job she loves and one that she wishes she could do so much more with. “The most challenging thing (about my job) is knowing that there are so many issues facing our community and children in particular and only a limited number of resources,” she said.

Yolanda Green Host of “Outlook Houston” at CW39

During her tenure at CW39, Yolanda has worked to help empower the community through the CW39 Cares for Kids Fund by facilitating the distribution of more than nine million dollars to local non-profit agencies. She was also the driving force behind establishing a comprehensive broadcast Public Service Campaign that has helped more than 3,500 children find adoptive homes. Yolanda’s tireless efforts on behalf of Houston’s Children have brought her state, local and national recognition.

Dr. Jonita Wallace, affectionately called, “Dr. J.,” is a native Houstonian and a recognized scholar, motivational speaker, and proven educational and social service leader. She serves as the Chief Executive Officer of the largest Community Action Agency (CAA) in the state of Texas, and the only CAA in Houston, Gulf Coast Community Service Association (GCCSA). GCCSA is a non-profit agency commissioned to administer programs to lowincome families in order to transition them out of poverty into self-sufficiency.

Dr. J. has served at the helm of GCCSA for three years and is responsible for over 440 employees and programs and services available in 38 sites throughout Harris County. In her role as the CEO of GCCSA, she vows to win the war on poverty by helping people to actualize their dreams.

Dr. Jonita Wallace CEO of GCCSA

Recognizing the importance of an education, Dr. J. graduated Magna Cum Laude from the University of Houston where she continued earning both her Master of Education and Doctor of Education Degrees in Administration and Supervision/Educational Leadership and Cultural Studies. Although a CEO’s responsibilities are multiple and demanding, Dr. J’s civic and community involvements are wide-ranging, this public servant actively serves on the Board of Directors for the Texas Association of Community Action Agencies, Ivy Educational and Charitable Foundation, the Missouri City & Vicinity Branch of the NAACP, and EducationN-Hoops. She is also a member of Phi Delta Kappa Education Honor Society, the National

Her honors include the Innovative Alternatives – Media Legacy of Leadership Award, YMCA Minority Achiever’s Award, Five Outstanding Young Houstonians Award, Five Outstanding Young Texans Award, Make Ready – Humanitarian Award, Educational and Charitable Foundation – Outstanding Community Leader Award, Texas Association of Broadcasters – Bonner McClane Award, 2005 National Philanthropy Day Outstanding Media Award, National Association of Minority Media Executives – Award of Valor, Warren Corporation – Woman of Distinction Award, Sam Houston State University Radio/Television Distinguished Alumni Award and Rolling Out Magazine - 40 Under 40. Yolanda serves as President of the Foundation Board of Directors of the Children’s Assessment Center. She is an active member of Windsor Village United Methodist Church and a proud and active member of the Mu Kappa Omega Chapter of Alpha Kappa Alpha Sorority, Inc. Yolanda also serves on the Leadership Council for Planned Parenthood of Houston and Southeast Texas and is a member of the board of directors for the Ms. Wheelchair Texas Foundation. Yolanda received her degree in Broadcast Journalism from Sam Houston State University. The proud mother says she lives by the conviction, “Do what you love and do it with integrity, success is sure to follow.”

Congress of Black Women, Top Ladies of Distinction, and Alpha Kappa Alpha Sorority, Inc. This former Ms. Black World Houston Pageant Winner has been the recipient of numerous honors including: “Special Recognition Award to Katrina Survivors” by the Texas Department of Housing and Community Affairs; the Leadership Award by the Region VI Department of Health and Human Services; “Houston’s 25 Most Influential Women” by Rolling Out Magazine; “A Healing Hand of Houston – Outstanding People Doing Extraordinary Gestures for the Betterment of Others” awarded by the Top Ladies of Distinction; Miss Black and Gold Pageant Winner sponsored by Alpha Phi Alpha Fraternity; The “Distinguished Achievement Award” by the Ivy Education and Charitable Foundation; “Outstanding Under graduate President” of Alpha Kappa Alpha Sorority, Inc. in the South-Central Region; “Soror of the Quarter” by Alpha Kappa Omega; and the Grays-Purnell Leadership Award. One of her most notable accomplishments was an appearance on the George McKenna Story starring Denzel Washington. Because Dr. J. fervently believes that “to whom much is given, much is required, she spends most of her spare time serving as a motivational, keynote, and commencement speaker. She is well-known for having delivered hundreds of addresses Greater Houston Area free of charge. Why? “As long as I have breath, I will continue to be deeply rooted, ever-growing, and forever serving,” she said.

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Bishop Terri Smith-Little is a powerfully anointed woman of God with a message in her mouth to set the captives free. In March 1971, she received the mantle of the prophet and the commission to minister God’s word to the nations. For thirty years God has used her to powerfully impact the Body of Christ in and outside of the United States. Bishop Smith-Little is the Senior Pastor of Love Ministries Family Church, a Spirit filled, multi-racial church located in Houston, Texas. The first female bishop to be consecrated by Christian Action Faith Ministries, Bishop now serves as the presiding bishop of the Love Ministries Fellowship of Churches. As the Founder & Executive Director of the United States Women’s Prayer Chain, she has brought healing wholeness to thousands of lives through the power of prayer.

Terri Smith-Little Bishop, Love Ministries Family Church

Bishop is also the founder and CEO of D.I.V.A International, Inc., a non-profit corporation organized to educate and assist women of all ages, nationalities, and backgrounds. Through seminars, workshops and conferences, D.I.V.A. (Divinely Inspired Virtuous Asset©) International has brought restoration to the spirits, souls, and bodies of women all over this nation.

you face to face with the realities of life. In her teachings you will find a refreshing blend of the Holy Spirit’s anointing and a practical down to earth approach to applying Biblical truths. Her insight of scripture has an apostolic authority with a prophetic edge designed to sharpen every sword necessary for victorious living. If you desire to maximize all your potential; if you have a knowing in your spirit that God has more for you; if you sense that your destiny is at hand, then Bishop Terri Smith-Little has an anointing of empowerment just for you! She believes that the Holy Ghost has given her the commission and the authority to release your God-given abilities. The awesome anointing upon this ministry will build you up as a person of spiritual excellence as it “empowers you to impact your world.” The Bishop serves as a role model and inspiration to thousands of young people, yet urges them to find their own calling. “I believe that you should use the footsteps of another as a guide, but strive to make a different imprint. The world doesn’t need another Bishop Little. Instead, use your God given talents to make your own impact. If you can believe it, you can achieve it,” she said.

Bishop is a renowned conference speaker, both nationally and internationally. A strong prophetic mandate rests upon her as she brings

Paula is a graduate of Texas A&M University with a degree in Petroleum Engineering. In her 18 year career with Schlumberger Oilfield services Paula has held a variety of positions, including a Field Engineer managing operations on offshore rigs throughout the Gulf of Mexico and Worldwide Training Manager, where she had the opportunity to develop business opportunities and teams throughout Europe, Africa, Russia, China, South America and Australia. Paula and her husband Dwayne are also the owners of DPM Alliance Home Health Agency. DPM has a team of 25 employees providing skilled health care services throughout the Houston-Galveston Area. The Medicare supported services that DPM provides saves money, stress and health of patients and their family. Being able to see the direct results of the services that we provide the community is one of her greatest achievements.

Paula McCann Harris Corporate Executive, Entrepreneur, Author

Paula’s awards include Black Engineer’s “50 who make a Difference” and the “Women of Color in Technology” award. She has been appointed to the Texas A&M Engineering Advisory board, Project Row House board member, Buffalo Bayou Partnership board member, Hester House board, and The Ensemble Theatre board of directors. Her latest

appointment by Governor Rick Perry is to the Texas Energy Planning Council. Paula has been profiled in the “Black Engineer”, “Graduating Engineer” and “Money Magazine”. Paula’s newest project is her book, For Sister: The Guide for Professional Black Women, which was published in 2003. Paula formed her own publishing company MadisonHouse Publishing and to date, has sold thousands of copies of For Sister. Paula has presented the book at the Texas Lead Conference, National Society of Black Engineers national conference, and the National Women of Color in Technology Conference. Paula’s latest book is a children’s book entitled When I Grow UP I Want to Be an Engineer. This popular book has been distributed by the Houston Children’s Museum (12,000 copies) and the San Jacinto Girl Scouts, Houston ISD, Ft Bend ISD, Alvin ISD, and Jack and Jill of America. Giving back to the community is important and her contributions as a corporate executive, business owner and author have demonstrated her commitment to the community Paula and her husband have a six-year-old daughter, Madison Serelia Harris.

www.d-mars.com | JAN/FEB 2007

ReShonda Tate Billingsley always did have an active imagination. From making up stories at Dick Dowling Middle School, to crafting award-winning poems at Madison High School, the national bestselling author has always maintained a love for telling stories. After numerous rejections from publishers, ReShonda stepped out on faith, established her own publishing company, and released her debut novel, My Brother’s Keeper. After less than six months on the market, the book caught the attention of one of the country’s top literary agents, who secured a deal for ReShonda with megahouse publisher, Simon & Schuster. The rest, as they say, is history.

ReShonda Tate Billingsley #1 Essence Magazine Bestselling Author

Sharon Phillips

awards for her journalism, fiction and poetry writing skills, including an international honor as Best New Author from The Black Writer’s Alliance and she is a five time winner of the National Association of Black Journalists Spirit in the Words competition. Let the Church Say Amen, was voted best Christian Fiction book of 2004 by the Library Journal. ReShonda’s upcoming projects include book three of her teen inspirational series, With Friends Like These (April 2007); Everybody Say Amen (July 2007); and Can I get a Witness (Dec. 2007). She also has a book of poetry called Something to Say: Poetry to Motivate the Mind, Body and Spirit.

ReShonda went on to sign one deal after another with Simon & Schuster, and to date, has published seven books with the company, including the #1 Essence Magazine Bestselling Book, Let the Church Say Amen and the national bestseller, I Know I’ve Been Changed. She has seven more books coming in the next two years. ReShonda’s latest projects include the teen inspirational novels, Nothing But Drama and Blessings in Disguise and her non-fiction title, Help! I’ve Turned into my Mother. She is also a contributor to the bestselling anthologies Have a Little Faith, Four Degrees of Heat and Proverbs for the People. She has won numerous

ReShonda’s literary career is such a success that she recently left her job as a reporter with KRIV, Fox 26 News to write full time. The University of Texas at Austin graduate and mother of two was also recently named a 2006 Texas Executive Woman on the Move. The award-winning journalist and much soughtafter public speaker has also worked for television stations in Beaumont, Austin and Oklahoma City, OK. She has a background in newspaper, magazine and radio and is a member of The National Association of Black Journalists and Alpha Kappa Alpha Sorority, Inc

As Vice President/Community Affairs Relationship Manager with Washington Mutual Bank; Sharon Phillips makes it her business to be in the community.

She was recently named Number 1 Most Influential Woman of Houston by Rolling Out Magazine and has also been named in the Who’s Who of Executives and Professional.

Phillips has been in the banking industry for 25 years and began her banking career with Savings of America in 1983. Wthin a few years, she worked her way through seven different positions. In 1999 Washington Mutual acquired Savings of America and it was evident that Sharon would fit right in with the WaMu family.

Her volunteerism includes conducting housing seminars, offering financial education, teaching literacy classes and promoting HIV/ AIDS awareness.

Sharon works alongside individuals that carry out community enrichment nationwide. She serves on several boards this includes Washington Mutual partners, government agencies, schools, affordable housing groups and faith-based nonprofit organizations.

Believing in the value of family, Phillips acknowledges Will, her husband of 18 years, for his never-ending support daughter, Ebony, and grand-daughters, Alexandria and Raven, which are truly the wind beneath her wings. She states, “A great part of what I do is because of them.

VP/Community Affairs Relationship Manager at Washington Mutual Bank Debra Ross is a native of Los Angeles California. As a single mom she decided to take her destiny into her own hands and enrolled in Santa Monica City College, where she eventually obtained an Associates Degree while working for the Advertising Firm BBD&O.

D Debra Joyce Ross American Capital Insurance

After many trials and tribulations, Debra ended up in Houston in April of 1998. There, while visiting family, she met her future husband. After a short courtship they were married on January 8, 2000. Debra took on the hardest job of all – becoming a homemaker and carrying for her children. She remained active outside the home, exposing herself to an array of social events along with her husband, who is an extremely active member of several Organizations such as Alpha phi Alpha, 100 Black Men of America, Eldorado Social Club and numerous others.

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“This I believe facilitated me in becoming a more social individual,” Debra said. In 2004, Debra decided to step outside the home and begin a career as an Insurance Agent. “I believed I had all the qualities one needed to possess to be successful,” Debra said. She and her husband started American Capitol Insurance in March 2005. They have basically been a referral only business but are now ready to spread their wings and take American Capitol Insurance to another level. “I have a certain air of confidence that eluded me before I met and married Ken. I really enjoy being an Insurance Agent and working for myself. Having just turned 40 years old, I am extremely blessed and happy in both my professional and personal life!” she said.

Nicole C. West is a name known throughout the Houston community. An active member of the community, Nicole serves as President and CEO of NCA Investigations and 1st Alert EMS and Transportation. In that capacity, she is responsible for managing the overall day to day operations of both companies. NCA Investigations Inc., is a professional private investigative company whose intent is to provide professional services designed to assist their clients in reducing exposure to loss or in making informed, problem solving decisions. The clientele of NCA Investigations include the leaders in the Insurance Industry, third party administrators, attorneys, oil and gas companies, municipalities, self insureds, school districts and retail businesses.

Nicole West

1st Alert EMS and Transportation, is an emergency and non-emergency transportation service. (Hospital to Hospital transfers, Nursing Homes, Assisted Living Facilities, Doctor’s Appointments, and Dialysis).

CEO of NCA Investigations

T Tracye McDaniel Executive Vice President & COO, Greater Houston Partnership

Tracye McDaniel serves as executive vice president and chief operations officer for the Greater Houston Partnership. In her role as executive vice president and COO, McDaniel directs the activities of all operational areas for the Partnership and the Center for Houston’s Future (a Partnership affiliate) setting priorities and providing direct leadership to senior-level staff. She oversees the design, marketing, promotion, delivery and quality of programs, events and services of the Partnership and the Center. McDaniel works closely with the president and CEO in setting strategic business goals and company-wide policies and procedures. Previously, McDaniel served as Executive Director, spearheading economic development and tourism operations for the State of Texas. McDaniel assumed duties as executive director of the Office of the Governor Economic Development and Tourism Division (EDT), formerly Texas Economic Development, on July 1, 2005. During McDaniel’s leadership as Executive Director, Texas saw the creation of 16,506 net new jobs and a capital investment over $4.3 billion. McDaniel served as Chief Executive Officer for Texas Economic Development Corporation TexasOneSM Program which is a public/private partnership marketing initiative that actively promotes Texas as a business

Special Thanks to: Troy McAllister & Lofts On Post Oak

Nicole has direct charge over all contract negotiations, and project management. She is responsible for the sales, marketing, administration and vendor interface for the two companies. She remains active in a number of organizations, including Board of Directors - Convention Center Hotel Corporation(Hilton Americas Hotel) Ensemble Theatre, Board of Directors-Hester House(Chair-Fund Development) , Honorary Chair - Young Professionals Gala, Chair-Texas Southern University Alumni Gala, Chair-Men of Style Gala (Sickle Cell Association) Co-Chair Ensemble Theatre Gala, Alpha Kappa Alpha Sorority, Jack and Jill of America, Inc., Chair of the 1st Annual 2005 Wheatley Wildcat Gala, Chair of the Ensemble Theatre’s 2005 Mother’s Day Brunch, Honoree of the 2nd Annual Onyx Style Magazine Best Dressed and Community Oriented Award, Honoree for the Ringling Bros. and Barnum & Bailey Circus—2005—Annual Community and Business Leader Award, 2005 Pinnacle Award Nominee, 2006 Rolling Out Magazine—Houston’s 40 Under 40.

location to generate new job leads. The program has raised over $3.3 million to market the state’s exceptional business climate to leading companies and site selection experts around the world. She was named Chief Operating Officer of EDT in September 2003 and served as the deputy executive director of the Texas Economic Development before assuming the COO position. She joined the Texas Department of Commerce in 1991 and has more than 21 years executive and senior management experience in tourism and business development, convention sales, national and international trade development, destination marketing, advertising and public relations. She has worked under the three gubernatorial administrations starting with Governor Ann Richards, Governor George W. Bush and currently Governor Rick Perry. She was named Tourism Director in 1996 and with her at the helm; Texas became the second mostvisited state in America. She was honored as one of the “Most Influential African-Americans in the Meetings/Tourism Industry” by Black Meetings & Tourism Magazine and as one of the “Most Powerful Women in Travel.” McDaniel holds leadership positions in numerous professional and industry organizations. A native of Waco, Texas, Tracy is a graduate of The University of Texas at Austin.

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Women Inspiring Women Higher Dimension Church It’s A Year for New Beginnings - let’s be “In IT to Win IT”! Joshua 1:8 says, “Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful.” Therefore, as we focus on being successful this year, let’s believe in God’s promises, let’s trust in His abilities and let’s have faith in knowing this will be a year of prosperity, good health and abundance!

FirstLady Torsha Johnson Texas Women Empowerment Fondation “Empower Women to their divine Purpose and you Empower the World.”

Deavra Daughtry Jackie Hendry Sisters With Vison “God said it…I believe it…and that settles it. Loosing is not an option in 2007!”

Lasting Impressions Dental Group “To gain the best insight, one should learn from those who have tried and succeeded in an effort to work SMART & not HARD in 07.” www.d-mars.com | JAN/FEB 2007

Dr. Leslie Bowie-Wells

& Dr. Alison Scott-Coullier 13

What is your IT? ”

By Ramone Harper, www.myspace.com/bnbconsulting Contributing Writer

Wi n

As we begin 2007, many people have set resolutions to lose weight, get out of debt, purchase a home, get more involved in church, and a host of other objectives. As entrepreneurs, we set goals like increasing sales, streamlining our business processes, obtaining more clients, expanding the services we offer, and acquiring new property. But instead of setting these typical resolutions, I want to challenge you as a business owner, pastor, and/or individual to find your IT.

everything written in IT, then you will be prosperous and successful.” In Deuteronomy 28:2, IT says, “All these blessings will come upon you and accompany you if you obey the Lord your God.” Then in Matthew 6:33, IT says, “If you seek ye first the kingdom of God and His righteousness all these things will be added unto you”.

“W om

As the cover story of this edition states, “Women in IT to Win IT”, I believe that we have to identify our IT’s in life before we can find true success. The only way to win at something is to know what you are trying to win. Success is defined as a favorable or desirable outcome or the attainment of wealth and favor. If you So, if you want to discover what your “IT” want to experience success, then I say you have to find your “IT” first. The is, then study the Word. Then, if you want to bible states that without vision the people perish. Clear vision will provide win “IT” (be successful), that, too, is found in the you with the focus and picture of possibility for your life. word of God. This year, 2007, we have to be in “IT” (the word of God) to win “IT” (whatever your Your “IT” may be to be a better man, to increase your bottom-line profit, to “IT” is). My “IT” is to help leaders, by interpreting expand your territory, or to simply find your purpose in life. their visions and giving them plans to help them turn Some of you may say, I have already found my “IT” in life, their visions into realities. but I still am not successful. I’ve tried several strategies, I’ve hired the best employees, and I’ve read this book and What is your “IT”? that book, but still no success. Well, let me interject and For more guidance on how you must be in “IT” to win “IT”, I recommend a sure proof plan to help you win “IT”. The key to encourage you to attend Higher D as Pastor J delivers a powerful success in your business, church, or life is found in the sermon series by the same title aimed at helping men, women, word of God. Throughout scripture, God has given us the children, leaders, entrepreneurs, and more learn how to be formula for success. In Joshua 1:8, he says “that if you successful. meditate on the word day and night, and be careful to do

Affair

The Red Carpet

By Kimberly Patterson

H Contributing Writer

Houston’s event, hospitality, and entertainment industry, activities have increased since 2004 after hosting the NFL Super Bowl. There are other cities across the U.S. that are scouting Houston to host conferences, conventions, other sporting activities, parties, and all other events imaginable. You may ask yourself why? The answer is simple: we take great pride in our venues, we have great restaurants, shopping, and we are one of the most hospitable major cities to be found. If an event is in your future you should consider hiring an event planner. Event Planners are organizing angels here on earth. The convention industry council estimates that there are between 250,000 and 450,000 professional event planners in the U.S. alone. Red Carpet Affairs do not occur overnight. Advanced planning and preparation is a must. Anytime people gather for a common purpose or goal, someone is needed to oversee all the intricate details to ensure the success of the planned event. Planning an event requires a series of steps to create a “RED CARPET AFFAIR”. Listed below are just a few steps that will help you in the planning process.

Affair

The first step in the planning process should

be VISUALIZING.

Visualizing is simply a question and answer process to determine what direction or concept the event should be moving toward. The second stage of event planning is

creating a THEME. The most successful events have a comprehensive theme that run throughout the event. The advantage of a comprehensive theme is it’s usefulness in making decisions throughout the event process. The third stage of event planning is setting GOALS and OBJECTIVES. How are you going to accomplish every detail within the plans of the event? All successful events have a clear purpose to its objectives and goals the most obvious is to celebrate.

From décor and design, hiring entertainment, and facility logistics, there are many steps to planning a “RED CARPET AFFAIR”. Although every detail is not listed, you can imagine all the steps involved. While event planning has been around since the beginning of recorded history, only during the last 15 to 20 years has the industry been recognized as a separate entity with a distinct skill set. Event Planners are very important to the success of your event. They are there to help you or your organization accomplish your event goals. Event Planners make you look GOOD. I often ask the question how one does without. The next time you are planning an event remember “RED CARPET AFFAIRS” occur because of advance planning. Hire an Event Planner and avoid those last minute faux pas.

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Getting your business

off the

ground

Most surveys of entrepreneurs show that credit cards are among the most popular sources of startup financing. The Pioneer Institute, for example, found that loans from relatives and borrowing against credit cards were the two most common financing techniques used by startups with less than five employees. Despite this high rate of usage, the terms of creditcard financing are poorly understood. How many entrepreneurs take the time to read the card issuer’s Terms of Use when they respond to a new credit-card offer in the mail? Most entrepreneurs shudder when faced with signing a personal guarantee for a business credit card for the first time. Since the vast majority of businesses in the country are sole proprietorships, the difference between personal credit and business credit is murky from a bank’s perspective. Unless your business is incorporated, you’re the de facto guarantor of all business debts. So if your business has a slow sales quarter and you fall behind on your credit-card payments, your personal credit rating and your personal ability to borrow are at risk. Even if your business is incorporated, your bank or credit-card issuer may still require you to guarantee the business line of credit. In practice, most banks require shareholders with significant ownership in corporations to guarantee business lines of credit--typically owners with more than a 25-percent stake are required to sign guarantee forms when credit lines are more than $5,000. Moreover, most guarantee forms require joint and several liabilities, implying that all guarantors are responsible for the whole amount of the debt, even if they’re not full owners of the business. The guarantors can be sued individually or all together. (This tends to vary from state to state, so check with your attorney for details.) If you’re attracting new partners to your business, be sure to include a provision in the partnership agreement that commits them to accept a personal guarantee on all existing business debt. In many states, new partners aren’t automatically responsible for previous debts, so this

issue must be addressed specifically. The goal is to spread the liability as widely as possible to reduce the risk to any one individual. Keep in mind that if you’re establishing a credit line with a community bank or local small-business lender, there may be some room for negotiation. For example, it’s possible to request that certain personal assets be excluded from the guarantee or that the guaranteed percentage of the loan declines as the business matures or surpasses a certain net-worth threshold. Private loans from relatives and other business associates are also subject to negotiation. However, for credit-card issuers, the offer for business credit is usually a take-it-or-leave-it proposition--and you must accept the personal guarantee if you want the card. For small businesses struggling to find funding, borrowing against a credit card can be an attractive--if not the only--option. Plunging further into credit-card debt is a scary proposition, but for many the outcome has been rewarding. If you feel using a credit card to fund all or part of your business is the best option for you, be sure to read the fine print before responding to your next credit-card offer in the mail. Understanding the risks before you accept the offer can save you a lot of financial pain in the future.

Women

African American

Minority women-owned businesses are a growing force in the U.S. economy. Firms owned by women of color now represent 21 percent of all privatelyheld, majority owned firms in the U.S. and they are growing at a rate of six times U.S. firms. • There are an estimated 414,472 majority-owned, privately-held firms owned by African-American women in the U.S., employing nearly 254,000 people and generating $19.5 billion in sales. • Between 1997and 2004, the number of African-American women-owned firms increased by 33 percent.

• •

African-American women business owners are more likely than their Latina, Asian and Caucasian coun terparts to say that they want to be a role model for others and that they want to make a difference in their communities as business owners. Two in five (39 percent) of all Afri can-American owned firms are owned by women. Source-National Women’s Business Council

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The ten states with the greatest number of Black women owned firms as of 2002 are:

1) New York 2) Florida 3) Illinois 4) California 5) Georgia 6) Texas 7) Maryland 8) North Carolina 9) Michigan 10) Virginia

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Money Money Money Money Money Money Money Money Money Money Money Money Money Money Money Money Money Money Money Money

Business Books Girl, Make Your

Money Grow!: A Sister’s Guide to Protecting Your Future and Enriching Your Life by Glinda Bridgforth, Gail Perry-Mason

Glinda Bridgforth helped thousands of women with Girl, Get Your Money Straight! And now she’s teamed up with investment expert and stockbroker Gail Perry-Mason for the next step. So, if you’re ready to take charge of your finances and create new wealth, then come on, girl—it’s time to make your money grow! You’ll learn how to: Clear away debt in order to invest; Create new income; Plan for retirement; Buy prime real estate; Build a custom investment portfolio; Use bonds, mutual funds and blue chip stocks; Protect your assets and more! Through exercises, affirmations and real-life accounts, you’ll learn to assess your finances and discard any negative money beliefs. You’ll also learn how to make your money work for you, 24-7!

Your money and your man by Michelle Singletary

You’ve got money and you’ve got a man, now what? Let financial guru Michelle Singletary show you the way to make both relationships work for you! Learn how to be money savvy—from dating do’s and don’ts to planning a wedding the smart way, to stashing money away for retirement. You’ll also discover: How to spot a financially irresponsible man; The importance of keeping track of your credit score; The pros and cons of opening a joint account with your man; How to create—and maintain—a household budget; Smart planning for parenthood; College savings plans, retirement plans and life insurance; and so much more! Also includes a list of additional resources to help you along the way to achieve financial success.

The Money Coach’s Guide to Your First Million by Lynnette Khalfani Do you think you’ll never climb out of debt—or ever have a comfortable cushion of surplus cash? It wasn’t that long ago that financial expert Lynnette Khalfani was up to her neck in $100,000+ of credit card debt. But on the brink of bankruptcy, she devised a plan that not only brought her debt to zero, but helped her become a millionaire. Now she shares her simple, sevenstep strategy of managing money, paying off debt, building excellent credit, and growing and preserving wealth. She also discusses her proven methods of finding top-return investments in real estate and the stock market and protecting wealth with insurance. Follow her plan and in just 30 days, you’ll be well on your way to your first million! Books are available wherever books are sold!

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Financial Matters By Ken Glover Financial advisor of H&R Block Financial Advisors Q. I am more interested in investing for income over the long term rather than in participating in the daily ups and downs of the stock market. What would be a good investment strategy for me? A. One choice for income seekers may be quality, long-term dividend-paying stocks. Many “name brand” companies have not only paid dividends consistently since the early 1900s; in some cases, they have also steadily raised their dividends. Q. What makes these stocks attractive to long-term investors? A. Consistent dividend growth stocks may be attractive for long-term investors who can hold the stocks as dividend payments rise. Although the stocks’ current yields may not seem competitive at first, growth in dividend payments can significantly increase the yield on an original investment. Q. Why is dividend growth so important? A. An investor seeking income could purchase conservative fixed-income investments, such as Treasury bonds. In fact, every well-balanced portfolio should contain such investments. However, without the power of dividend growth, inflation will take its bite, and these investors may end up losing ground to inflation over time. Q. What should I look for in a quality stock? A. Consider three factors that can help limit your risk and keep your income growing when you are looking for income among stocks: 1. A low payout ratio gives the dividend room to grow. The payout ratio is the percentage of a company’s earnings per share (EPS) paid out as dividends in the current year. The lower the ratio, the more room for potentially boosting the dividend. Remember, for a leading company to retain its leadership position, it will have to channel a good portion of its earnings toward growth. Thus, payout ratios may be lower for these stocks than they are for electric utilities or other companies in slow-growth industries. 2. Capital appreciation potential can enhance returns. Regardless of whether or not they receive a dividend, most investors buy a stock hoping its share price will rise. Consider how the value of your investment would increase if, in addition to annual dividend increases, the company’s stock price also rose, for example, in line with the S&P 500 average. 3. Dividend payment history can provide clues about the future. Although past performance does not guarantee future results, a company with an unbroken record of paying dividends for 30-plus years would seem to be reliable for income. A history of growth in the dividend is equally important. However you choose your income stocks, the key is holding them for the long term, which means that daily and monthly price swings may not be as important. Remember that time in the market, not timing the market, is most important to investment success. Ken Glover is a financial advisor of H&R Block Financial Advisors in the Galleria, Houston. He provides investment advice for clients of varying income levels. Please contact him at 713-840-8777 or http://fa.hrblock.com/kenneth.glover/ for a complimentary portfolio review. This article is published for general informational purposes and is not an offer or solicitation to sell or buy securities or commodities. Any particular investment should be analyzed based on its terms and risks as they relate to your specific circumstances and objectives.

www.d-mars.com | JAN/FEB 2007

W H

Lemon Laws and Consumers Enforce Them?

hat are ow Can

By Ron Reynolds, Esq Contributing Writer

Most statutes define “lemon-ness” in terms of a car that continues to have a defect that substantially impairs its use, value, or safety of the car after a reasonable number of attempts to repair the car.

the dealer for repairs and that the reliability that consumer thought he was getting has been shattered. Any written correspondence with a dealer or manufacturer should be certified mail return receipt requested.

Most statutes set up a warranty rights period of either Manufacturers often claim the following in response 12 to 24 months or 12,000 to 24 thousand miles. The to lemon law or warranty claims: 1. Not the right # of repair attempts – As stated above, defects must occur sometime in this period. the lemon laws often define lemon-ness in terms of Most of the statutes contain a three or four prong number of attempts to repair. The manufacturers definition of when a manufacturer has had a sufficient claim that they have not had the requisite number of number of attempts to repair, entitling the consumers to a tries to repair. They rely on the fact that consumer refund or replacement. These are: does not have repair orders for all the times that the a. If the defect is a serious safety defect involving consumer has brought the car into the shop. They brakes steering, the manufacturer is granted one at rely on the fact that the repair orders have different tempt to repair. items fixed each time showing that they have not fixed b. If the defect is a safety defect not involving a serious the same thing. Consumers should respond by safety defect, the manufacturer has two attempts requiring that dealers always give them a warranty to repair. repair order. Consumer should also argue that c. If or any other defect, the manufacturers are usually these unwritten visits are attempts. At the granted three or four chances to repair the same defect. very least, the consumer should always keep a d. If at any time the vehicle is in the shop for a cumulative contemporaneous memo of the events stating who total of 30 days in one year period, at least one of he talked to, what his complaints were, the mileage of those days occurring in the first 12 months or the time, and the length of the time the car was in the shop. 12,000 miles. 2. Defect never existed or not the same defect- Often, If any of the four prongs are satisfied, the consumer the repair history does not identify the problem- i.e. is generally granted the right to require repurchase or every repair order tries something different to fix the problem. replacement of his/her vehicle. Tips consumers should follow to enforce Lemon Laws: Consumers should always document their case. This includes obtaining copies of warranty repair orders, keeping contemporaneous notes of who they talk to, what is said, and dates and times. Consumers should always put their complaints in writing and keep a copy of same. In any written correspondence, always explain how burdensome it is to return the car to

to accurately state what the problem is and make sure the service manager write it down. Replacing different parts doesn’t mean different things were fixed. The inference should be that fixing different things without fixing the problem proves none of those was the problem. The consumer should obtain copies of the manufacturer’s records, which categorize repairs. All repairs that fall under the same category on the warranty reimbursement paperwork should serve as strong evidence that the defect was the same. The consumer should argue that the replacement of parts raises a strong inference that they were defective. Finally the consumer should obtain copies of the manufacturer service bulletins. These bulletins contain a description of problems, proposed repairs, and sometimes information that will assist in proving substantiality of the defect. The national Highway Traffic Safety Administration will send a computer printout of all reported problems for a model and year. Write NHTSA, Technical Reference Division, 400 Seventh St., S.W.; Washington D.C. 20590. 3. The consumer should look at cost of repairs. This information will have to come from the manufacturer or dealer records since most warranty repairs will not cost the consumer anything. Assume the manufacturer paid the dealer or dealers $1,500.00 to fix a $12,000 car. This should look to the vital ness of the defective part. The consumer should look to the number of attempts to repair. The greater the number and the greater the length the care was out of service, the more substantial the defect. Finally, the consumer should argue that his faith in the vehicle is shaken. He simply is not confident that his car is reliable. It is, in his eyes, a lemon.

The consumer should respond by saying that he always complained about the same problem. The consumer should insist that his words be written down. The service manager writing something different down, or attempting to fix something different each time strengthens the consumer’s case because it shows the defect could not be or was not repaired. The consumer should be careful For more information or questions regarding lemon laws

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contact: Ronald E. Reynolds, Esq., Brown, Brown, & Reynolds, P.C., 713-334-2667

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Spiritually Spiritually Speaking... Speaking... The Secrets of Conception By Bishop Terri Smith-Little, PHD Contributing Writer

Has your entire life been a fight just to survive? This all could have begun at birth and the good news is you don’t have to live this way any more.

The amniotic fluid should have protected you but it couldn’t because you were floating in every negative emotion that your mother ever felt. You were conceived and incubated in an environment that wasn’t conducive to a healthy birth and you had to fight negativity to be born. After delivery you came here familiar with feelings of rejection, worthlessness, self-hatred and loneliness that didn’t belong to you.

Childbirth was originally intended to be effortless for women and children. Then sin entered, the curse was pronounced and everything changed. In order for the women of God to win in 2007, you’ve got to understand what happens at conception, incubation and birth. This can set things right allowing you to take control and move forward in life.

For your entire life you have been reacting negatively to circumstances because of all the junk that was put in you before you were born. Before you had a chance to live and experience life for yourself negative emotions, from someone else, were already dictating how you would live. But you no longer have to carry around your mother’s excess baggage.

God’s perfect plan is for husbands and wives, who love one another, to come together and have families. Unfortunately, mankind hasn’t always followed God’s plan.

Before I formed you in the womb I knew [and] approved of you [as My chosen instrument], and before you were born I separated and set you apart, consecrating you; [and] I appointed you as a prophet to the nations. Jeremiah 1:5 (Amp.)

Unto the woman he said, I will greatly multiply thy sorrow and thy conception; in sorrow thou shalt bring forth children… Genesis 3:16

To begin, there are unplanned pregnancies, which may lead to thoughts of abortion. Your mother may have been dealing with thoughts of inferiority, worthlessness, or rejection. Your parents may have been legally married but your mother may not have felt loved and protected by your father. All of these negative emotions were floating within your mother and at conception they were infused into your soul.

Since God never plays catch up to the enemy He wants you to know that there is more good in you than you realize. Therefore, it’s time to give the enemy his garbage back by refusing to allow the negativity of others dictate your present way of life. Now it’s time for you to shout a battle cry of victory. A battle cry is a cry so loud that it splits Heaven and everything you need falls at your feet. So, go ahead women of God shout unto God with the voice of triumph!

. New Beginnings d

By Pastor Lo

Contributing Writer

Traditionally, the New Year is a time for new beginnings. It is a time when we commit to doing better in the upcoming year than we did in the last year. “Out with the old and in with the new!”

While it is always a blessing to see a new year, the tragedy with so many of us is we are no different than we were the year before. We usually start our new year off well. We are passionate about our new commitments, sacrificing and stretching ourselves to the max. In our endeavor to be better, thinner, wiser, etc, we see the complication and difficulties of what we have over committed to and find ourselves frustrated and ready to give up. We must keep this simple principle in mind: God is priority. It is the single most important principle you can have as a human being. This simple, yet life changing

principle, can help you in every area of your life. The problem is the things we attempt to change are usually what we feel others may dislike about us. We are pressured into making changes that only appeal to the perception of man. And not so much of what God is displeased with. (Man Pleasers Gal1:10; Thess2:4;Eph6:6) If we are honest with ourselves, we would rather please or attempt to please an unappeasable society than we would our Savior. Aaron builds the golden calf not because it pleases God but it pleases folk. The pressure to please others can be great when…your life is built around acceptance and impressions. Make this year different, be a God pleaser. Change those things that need to change not because it impresses others, but because it blesses God and you will find it more gratifying. I have found it much easier to stay on track when I simplify my life by focusing on three

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basic areas. First area of focus is TIME – what you have been allotted. Practicing good stewardship over our time is very important. Time is our most valuable commodity. We must be as efficient as we can with it. Second area of focus is TALENTS – what God has uniquely and specifically given to you. If you learn how to use what God has given you, your gifts will promote you! Third area of focus is FINANCES – what you have labored for. Manage your money well, maintain a healthy savings plan and most important, honor God with your tithes. God can do more with 10 percent, than you could ever do with your 90 percent! I pray that this has encouraged you to be the best version of yourself for 2007!

Love Unites Us, Unity Empowers Us!!

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The Texas Association of African American Chamber of Commerce (TAAACC) cordially

invites your participation at our 8th Annual Conference and Business Fair. This year’s event will be hosted at the J.W. Marriott in Houston Texas February 14-17, 2007. This year’s conference theme, “Growing Black Owned Businesses in Texas” exemplifies an aspect of our strategy for 2007. The conference will provide informational workshops, on the spot bid opportunities and relationship building for small business owners and chamber leaders. Specifically, our goal is to further assist all member entities, build alliances pairing new and emerging business owners with successful and like industries (mentors) to further assist in their company’s development and sustenance. It is also our intent to introduce minority owned businesses with state and corporate organizations as a means for increasing contracting opportunities through procurement process. TAAACC was organized to establish a statewide network among African- American Chambers of Commerce and to encourage uniformity towards the creation of a stronger economic base and improved opportunities for business enterprises throughout the state of Texas. Likewise, TAAACC provides services to chambers and businesses that include networking, business expansion, educational workshops,

and consulting and identifying business opportunities. Today there are 24 statewide chamber organizations affiliated with the TAAACC organization supporting over 5,000 small businesses.

incorporating your business, Effective Marketing, Venture Capital, Procurement with State Agencies, Path to success, Doing International Business, and many other related topics.

During it’s nearly 20 years of existence, the Texas Association of African-American Chamber of Commerce (TAAACC) has been a leading voice for the African-American business community and citizens thereof. During this period, TAAACC has been a leading advocate helping and promoting the development and enhancement of local AfricanAmerican chambers of commerce and supporting business members from an array of industries. Moving forward, our goal is to continue being an informational and resource conduit in order to help our members thrive and prosper.

To register for this great conference please visit us on line at www.taaacc.org or call our conference management company Behind The Bash Event Management Firm, toll free at 1-877-event50[383-6850] in the Houston and surrounding areas please call (281) 858-7557 or fax your registration to (281) 463-7213.

Our conference provides synergy for all conference participants, allowing the community to come together, share innovative ideas and address issues impacting community and business growth accordingly. Our conference will cover a few subjects such as: The Benefits and Process of

Our General Session Invited Guests include: • Ervin “Majic” Johnson • Kirbyjon Caldwell • Senator Rodney Ellis • Senator Royce West • ReShonda Tate-Billingsley • Awards Luncheon Mistress of Ceremony Darian Ward • Gala Keynote speaker Chris Gardner of the Pursuit of Happyness Gala Host: • Comedian, Marcus Wiley

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In summary, we are hopeful that you will attend our 2007 conference and business fair. Sponsorship opportunities are available your support will enable our organization to further support and contribute toward the success of growth of business throughout our great state. For more information on sponsorship please contact us @ (361) 655-3126.

Conference Presented to you by Behind The Bash Event Management Firm Kimberly Patterson-Event Director www.behindthebashevents.com

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Fitness is her middle name

With over ten years of experience, Helen Dunne has always had a passion for staying in shape. Dunne is a personal trainer (AFAA and IFPA), aerobic instructor (AFAA) and single mother of four very active boys who truly understands the necessity of obtaining and maintaining a healthy lifestyle. She has developed a workout program called the THRIVE Fitness and Lifestyle Plan to assist and inspire her clients in living physically and spiritually healthy lives. Through customized cardio/resistance training, moderate plyometric drills, flexibility training and individualized nutrition planning, her clients get the physical results they are after.

Dunne approaches all her clients with her simple philosophy: “Changing bodies, changing minds, changing lives…”

“The benefits of losing weight, being able to run a mile without stopping, sculpting your butt or getting that six pack, go far beyond just looking good naked. There are benefits of getting in shape that are overlooked or discounted when actually they are the most important. One of the natural side effects of obtaining a fit body is that you obtain a fit mind. As you become stronger and more confident in want your body can do… and feel and see the effect of change in your physical body, you gain confidence in what you can do in life,” Dunne said.

And her clients agree, with many saying they literally Dunne approaches all her clients with her simple receive life altering results…changing their bodies, philosophy: “Changing bodies, changing minds, changing changing their minds, and changing their lives. lives…”

When you “look” good, you “feel” good! Tess Tims President and CEO Tess Tims International Inc.

Look your best every day!

If you have issues with your hair, then Tess Tims is the woman to see. As president and CEO of Tess Tims International Inc., Tess is passionate about enhancing the lives of men and women who deal with the emotional trauma of hair loss and those who simply want a dramatic enhancement to their current hair styles. From the state of Mississippi, to the Gulf Coast regions, to the greater Houston metropolitan area, Tess Tims is in demand as she specializes in the areas of hair extensions and hair replacement. Kendall Tims is not only her brother, but her partner in business as a hair replacement specialist as well. They make a powerful sister and brother team as they work to help others achieve a better quality of life; knowing that when you “look” good, you “feel” good!

Tess has been a hair designer, platform artist and educator for 20 years in the hair industry. She has trained at Pivot Point International, Dudley School of Cosmetics, as well as others and has had private training in Beverly Hills, California with some of the most renowned hair artists. She also has specialized training in medical hair loss and chemo lacing. Tess Tims International Inc. is proud to offer the latest innovations in cranial prostheses. A basic understanding of the chemical principles of hair is necessary to understand how and why salon services succeed or fail. This is the foundation upon which Tess Tims International Inc. was established. They specialize in all types of scalp disorders: Scaling due to allergic response to chemicals, Pityriasis Amiantacea. Neu-

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rodermatitis in Occipital area of scalp, and Seborrheic Dermatitis Tess is a licensed Tricologist. Tricology is the scientific study of disorders of the skin and scalp. These issues are addressed for men and women who have disorders such as receding hairlines, ball spots, thinning hair, hair breakage, scaly scalp and itching or inflamed scalp. Tess Tims International Inc. offers the latest in hair replacement technologies that will redefine the way you want to look and feel. Soft, pliable, light-weight, cool and completely breathable, the

best options for uncompromising comfort and security are offered. “Temporary or long term hair loss can be successfully transformed into a fashionable hair style. We can restore your hair and your confidence without all the usual wig related dilemmas. Look your best every day!” Tess says. Her advice to people hoping to follow in her footsteps? “I would encourage anyone hoping to follow in my footsteps to do the following: Remain resilient, develop patience, do what you love, believe you can, and you will, encourage your clients to believe and realize that beauty is within, and remember that relationship building is your key to success.” For more information, visit their website at www.tess-tims.com.

ARE YOU TIRED OF YOUR CHILD BEING

EDUCATED THE TRADITIONAL WAY As the owner of Ordained 2 Teach Teacher Supply & Tutorials, Chenedra Richardson is now launching the C E O Homeschool Academy. Mrs. Richardson has always been considered as an “overachiever” when it came to children. “I believe that children learn differently and as educators we must modify our curriculums to meet their needs,” Richardson says.

fully aware of the power in a name. Chenedra Elberta Ozita is my birth name that I have always been ashamed of, I even went as far as to give myself a nickname in order to prevent the ridicule that I received as teachers and students would ask, “how do you say that?” or, “why did your mother name you that?” God knew all along that I would be a CEO and raising up his children to be a future C E O, says Richardson.

“Since a very A primary focus is young child I would have teaching children not ask myself about only to dream, however to be taught my purpose in life, to plan and implement to dream and their dreams today. attempting to find the very reason that God Children have to be put me here. After taught to dream and teaching elementary DREAM BIG. The and secondary students, I realized that school is raising children to become there was a greater calling to assist Chief Executive Officers! All children children unlock their niche, while are gifted and have Something Special creating a classroom conducive to their to offer this world to enrich the lives learning styles,” adds Richardson of all they encounter.

Children

DREAM BIG.

The educator believes when God says that He calls you by name, He literally means that He calls you by name. “I had been for so many years agitated by my unique name not

In addition to the core curriculum, many of the enrichment programs are the hands-on labs at the Houston Museum of Natural Science and George Observatory. Also being launched

is the Colbert/Ball Career Development Workshops, which is being faciliated by one of their most energized parents, Ja Ja Ball of Colbert/ Ball Tax Service. This program allows students to engage in activities that will teach them the knowledge to learn the facets of owning corporations. Monthly guest speakers are scheduled to represent the many areas of interest of students. Students are also expanding their horizons culturally with a program that has allowed travel opportunities around the world-students are busy writing pen pals in Russia! With a Masters Degree in Marriage and Family Therapy, Richardson will also offer parenting workshops and selfesteem workshops for students. Some are apprehensive about the term “Home Schooling,” which is how this country had originally been educated, in their homes. Home schooling has and always will be an alternative to educating children. The school is original because they have

several curriculums in place to meet the needs of students, as opposed to the traditional norm of having a curriculum that students must learn to like or fail. Accredited curriculums are carefully examined, and national assessments tools are administered to track student growth to track their accomplishments. One would be amazed to discover the number of presidents that were home schooled. The new facility will be ready inJanuary of 2007. Applications are currently being accepted for the Spring 2007, as well as the Fall 20072008 school year. The first step would be to complete your application and submit the application fee, along with the proper documents. New family interviews will then be held, while students are being tested. Acceptance letters will be mailed-the journey begins!! For more information, visit www.ceo-homeschoolacademy.com.

S P O P e c a Pl The best wisdom often comes from those who’ve been around a bit – and Booker T “Pops” Davis, Jr. has lots of wisdom to share you.

“Character, not circumstances, makes the woman” 28

www.d-mars.com | JAN/FEB 2007

Tax Time: Property Owners, pay now or pay later By Natasha Gransberry Contributing Writer

As we begin the New Year there is one word that sparks both attention and fear for most people: TAXES! Most people think federal income taxes but I am referring to state property taxes. While those who live in rented communities have no immediate worries, it is a major concern for all property owners. After having small discussions over the holidays I felt it was necessary to address some myths and facts concerning taxes. First and foremost, there is one myth concerning taxes that has to be debunked. You CAN lose your homestead if you fail to pay your property taxes in a timely manner. The constable can become your worst nightmare when he knocks at the door to serve notice of a lawsuit from your city, county, or local school district regarding back taxes. While most people understand the responsibility of paying taxes, there are a few that may pay only the school but not the county or vice versa. Do yourself a favor and don’t ignore January 31, 2007. It may feel like a hassle but just imagine the additional burden of penalties and interest that accrue with the late payment of taxes. The taxing jurisdictions DO NOT waive penalty and interest on past due taxes. While some may offer payment plans the best method is a timely payment. In order to determine if your taxing jurisdiction offers a payment plan for taxes that have become delinquent, you should contact your local tax office. If you find yourself in the unfortunate situation of being sued by a taxing jurisdiction, the court can order your property sold to pay back taxes. This means that someone could purchase your property at a delinquent tax sale and become the new owner. Although you may be entitled to any excess proceeds from the sale, an immediate 25 percent penalty is incurred that must be paid to the new owner in order for you to redeem your property. Please refer to an attorney or Texas Property Tax Code for redemption guidelines and relevant time periods. Next, a tenant leasing property is subject to eviction if the property owner fails to pay property taxes and loses the property in a tax sale. When property is sold at tax sale the new owner is not responsible for the current tenant’s ability to live on the property. Although the tenant is not responsible for paying the taxes it is a good idea to check every year to see if your landlord is current on his taxes. Many jurisdictions allow you to check this anonymously online. One way to possibly avoid the problems of tax delinquency is to use an escrow account. Most mortgage companies offer these accounts as a way to allow you to make monthly payments toward your taxes as part of your monthly mortgage payment. The downside is that it may be harder to qualify for a mortgage based on your monthly payment with the taxes included. This has to be factored in when choosing what type of home you can afford. If you can’t afford the additional escrow payment every month how will you write the one large check at the end of the year? The choice to opt-out of an escrow account will be your problem so make sure to make a wise decision that reflects your ability to pay without one. Lastly remember that January 31, 2007 is the deadline to pay your current year taxes without incurring any additional penalty or interest. This article is designed for general information only. The information presented at this site should not be construed to be neither formal legal advice nor the formation of a lawyer/client relationship. You should consult an attorney for individual advice regarding your own situation.