WOMEN WHO ROCK WITH SUCCESS
FEATURING DR. COZETTE M. WHITE
WOMEN THAT WE'VE FEATURED IN MARCH
Jazmine Valencia
Fashion Designer Shannon Grewer
Danielle Putnam
Theresa Siaw
Kimberly Lackey
Lauren Wood
10 Action Steps to Realize Your Future You by Tim & Julie Harris
Just for fun, cut out some images from a magazine or draw a picture of who and what you’d like to see as the life of your “future you.” Perhaps you imagine watching your adult child graduating from college completely free of student loan debt. Maybe you see a generous future you, handing over a substantial donation to your favorite charity. Or perhaps you see a disciplined future you, looking at the documentation of your $100,000 savings account. You may even see your future you living in your dream home.
Whatever your future goals, document them on a vision board so you can look them over every day. Having these visual images at your immediate disposal will motivate you to do what’s necessary to make your future you become a reality. Here are 10 action steps to help you realize your goals for your future you. educational. Post images of you and your family doing, seeing, and living out these goals. Look at these images at the beginning and ending of each day.
Finish all the unfinished things on your to-do list from yesterday, last week, last month, or last year. Translate all those unfinished tasks into SMART goals (specific, measurable, attainable, relevant, and timely). Set a deadline for each goal. Seek help when you need help. Know that some goals are truly worth doing while others are not. The key here is knowing the difference, then doing what’s worth doing and letting go of what’s not. Productivity equates to prioritizing goals and being proactive.
Prioritize your goals as they relate to profit. Prioritize the actions that will help reach your goals every day. Actions that lead to generating income take priority over actions that do not. Be intentional with your time. Practice “habit stacking.” Habit stacking is coupling new habits you need to achieve your goals with established habits you’ve already incorporated into your daily work life that enable you to be efficient and productive. Recommended reading: Habit Stacking: 97 Small Changes that Take 5 Minutes or Less, by S. J. Scott. Have defined start and end times of your workday.
This is becomes easier when you do it consistently. Two positive benefits from this habit: improved productivity and improved sleep quality. Be relentless about you magic number. Your magic number is the number of listings you need to have at all times in order to exceed your monthly income requirements. Your magic number is the most important number for you to know and embrace. Be relentless about being of service to others. Increase your efforts to help others.
Your success is directly related to you helping others reach their goals. Be relentless about tracking your money, bills, and investments. Consider using mint.com or another platform to help create a financial dashboard for your accountability and reference. Be relentless about tracking your productivity. You do not have 365 days a year to be productive, so track the days you do have. Mark on a calendar your workdays with dollar signs.
Mark on a calendar your days off with a capital X. You’ll see you have a series of days to be productive, so use those stretches wisely. Be relentless about your fitness and nutrition. You must be healthy to achieve your goals for your future you. Get help hiring a trainer or coach, a join a program such as Orangetheory or CrossFit.
The Ultimate Diet Plan for a Happier, Less-Stressed You by Jessica Matthews
Stress might seem harmless, but it’s anything but. While shortterm stress can lead to bothersome headaches, stomach cramps, weight gain, and more bouts of colds and flu, chronic, unremitting stress impacts every part of your body, from your digestive and reproductive systems to your immune system. Left unaddressed, chronic stress can even increase your risk for conditions such as obesity, type 2 diabetes, heart disease, depression, and anxiety, according to the National Institute of Mental Health (NIMH).
That’s right: Stress isn’t just making you grumpier — it may also be making you fatter and sicker. For Everyday Health’s United States of Stress story, of the nearly 6,700 people we surveyed, 35 percent rated their stress as a 6 or 7 on a scale of 1 to 7 (with 7 being the highest), over the past month. We also asked respondents how they deal with stress, and among the various coping mechanisms they could pick, 22 percent of people reported turning to food.
How Your Diet Can Affect Stress Levels, for Better or Worse
Problem is, people may be making their stress worse by taking that very action. That’s because diet choices can make or break your stress levels. Let’s put it this way: Those cookies and potato chips aren’t doing you any favors. Ali Miller, RD, CDE, an integrative dietitian at AliMillerRD.com and author of The Anti-Anxiety Diet, says that refined carbs such as these spike blood sugar and then cause it to crash, increasing stress and anxiety. But choosing healthy foods —
including healthy fats such as avocados, eggs, and walnuts — has the opposite effect, creating a “favorable hormone signaling in the brain, which supports satiety, mood regulation, and sleep and energy balance,” Miller says. An urge to make a beeline for the vending machine when stress is sky-high isn’t your fault. When you’re stressed, your body pumps out hormones that rev your appetite and send your cravings for unhealthy comfort foods soaring, according to Harvard Medical School. Meanwhile, stress can lead to a loss of lean muscle mass,
which decreases your metabolism and increases your risk for weight gain. Of course, that’s just part of the equation. From sleep, diet, and exercise, to work, family, and romantic relationships, stress can take a toll on every aspect of your life. Fortunately, there’s a solution — and we can help show you the way. To help you build the ultimate stress-busting diet, we came up with a detailed food list and 14day meal plan that’s specifically balanced to meet all of your nutritional needs while calming stress hormones, increasing feelgood hormones,
and keeping energy high. We also offer some expert-backed tips and tricks that we hope will help you tame your stressors once and for all. Preparing healthy food may be the last thing you want to do when you’re pressed for time and strung out. But rest assured that your time and effort will pay off in a big way — and that you’ll likely notice the benefits of this plan when your stress levels are at their highest. What you’ll potentially be getting out of this plan: more energy, a calmer mind, a boosted immune system, and maybe even a slimmer waistline. Need we say more?
SPRING: COMMITMENT OR EXCUSES BY MAURICE WILLIAMS
In my years of working in the fitness industry, I’ve found there are two types of people: 1. Those who are committed to their fitness routine 12 months out of the year. 2. Those who use vacations, spring, summer, holidays, etc. as an excuse to let go. Don’t get me wrong, even I love a break from training every now and again, but one thing I’m conscious of is not falling into the spring commitment or excuses trap. Here’s the thing. Your body doesn’t know it’s a holiday or spring time or that you’re visiting a resort somewhere. Your metabolism doesn’t differentiate.
So, if you’re using this time of year to drop the ball on your fitness, you’re doing yourself a massive disservice. Starting over is hard and discouraging, and I’ve never seen anyone start over and feel great about it. So, do yourself a favor and keep yourself on track this spring! And if you’re staying on track, AMAZING JOB! We applaud you! We would love for you to share this message with someone in your life who you know needs to hear it. Here’s to staying fit and strong this Spring! If you would like our help, fill out your info below and we’ll be in touch soon!
Best Wedding Trends 2019 A LOOK INSIDE WHAT'S IN AND OUT IN WEDDINGS THIS YEAR
Nancy N Tran
Dr. Cozette M White
Businesses can be categorized differently, for example, they can be classified as Sole Proprietorship, partnership, limited liability companies, cooperative societies. All these various forms of businesses are what I’ll discuss today. Selecting a form of business ownership is a landmark step in the creation of a venture. Most entrepreneurs, however, are not trained in the finer points of business law.
One of the main reasons “small businesses fail is that they do not seek legal and accounting help at the beginning.� There is no single best form of business ownership. Each form has its own unique set of advantages and disadvantages. The key to choosing the optimum form of ownership is the ability to understand the characteristics of each business entity and how they will affect business and personal circumstances. There are several advantages to establishing a limited liability company and many of these compensations revolve around the tax advantages.
A limited liability company if often sought as a third alternative to forming a corporation or a partnership. Many corporations are formed because they offer attractive limits on the personal liability that the business may suffer due to debts or liabilities. Partnerships don’t offer the same kind of protection, but do provide better tax advantages. A limited liability company works to combine both these features, providing protection against personal liability while also establishing solid tax advantages.
Women Who Rock with Success: Tell us about your brand Dr. Cozette: My Financial Home Enterprises a global financial firm providing comprehensive accounting, tax and business management services for businesses and individuals founded by CEO Dr. Cozette M. White. My Financial Home has been featured in Forbes Magazine and named one of The Boss Network's top 50 companies two years in a row.
As Cameka Smith, Founder and CEO of the Boss Network put it, “without question she is brilliant at teaching others to leverage their unique gifts and qualities into a financial windfall.� Over the past years and over $4.8 million in sales, Dr. Cozette has helped thousands of clients, globally, build their own successful companies and realize their dream of running their own mini-empires. Dr. Cozette believes that successful leaders such as her have a duty to share their knowledge and facilitate the success of others. To that end, she strives to ensure that each
that each business she coaches builds upon the three pillars of social impact, community engagement, and diversity. Our mission is to continually apply our talents and skills to make our clients, our colleagues, our firm and our communities gain clarity and focus about their financial future. Our vision is to be nationally recognized for delivering an unrivaled combination of successful financial management solutions and exceptional client service that matters. Women Who Rock with Success: What compelled you to launch a financial industry for consumers?
Dr. Cozette: I spent more than 20 years of experience in corporate America. In her roles, she was responsible for the financial affairs of the organization and focused on a broad range of financial, operational, strategic and executive leadership issues impacting the organization. I got to a point in my career where I knew it was time for me to help serve other business owners and grow exponentially. Women Who Rock with Success: Share the importance of filing tax preparations before the deadline? Dr. Cozette: As an entrepreneur,
we all have financial responsibilities. One of those responsibilities is to remain current with our tax liability. It can have a negative impact on the business if it’s overlooked and tax matters are addressed in a timely manner. The key is to hire a trusted advisor that can assist with tax matters. Women Who Rock with Success: What are some red flags to consider as a business owner? Dr. Cozette: Even if business is fine, a company should always be vigilant for signs of potential future problems.
By spotting possible issues farther in advance, management can take action to prevent or minimize problems and the corresponding financial pain. Here are nine easily observable warning signs that indicate a business might be headed for tough times if some adjustments aren't made. · Multiple Net Losses Year-OverYear · Consistently Filing Late · Uncharacteristically High Salaries · Giving Large Sums to Charity · Business Vehicle Use is Excessive · Cash Transactions
· Schedule C Filings · Failure to Report Taxable Income · Rental Loss Claims Women Who Rock with Success: As a startup entrepreneur, which step should be considered first when filing for their charter? Dr. Cozette: As a startup entrepreneur you should always consider following a map. I call those your Financial Blueprints. Here are 4 elements that one needs to implement. · Establishing a Business Plan · Establishing a your Business Entity.
·Develop, Review and Analyze Your Financials · Hire a team – Attorney, CPA, and a banker. Starting your own business can be a very rewarding venture, but where do you begin with more than 5,000,000 new businesses starting each year yet 70% of them fail. In my new book ‘The ABC’s To Starting A Business’, I give you the knowledge, tools, and handson advice, so you can build a successful business that thrives. I encourage readers to pick up a copy of The ABC’s of Starting A Business on Amazon.com.
Women Who Rock with Success: How has this impacted your customers, having a professional accounting industry as a cornerstone for business? Dr. Cozette: I’ve been able to empower, educate and equip my small business owners with the knowledge, tools, and strategies to build highly profitable 6- and 7-figure businesses and turn every day into a payday. Women Who Rock with Success: Can consumers find "My Home Enterprises online; virtually?
Dr. Cozette: We are on most social media platforms @MyFinancialHome Women Who Rock with Success: What tips could you like to share with the readers? Dr. Cozette: One advice I’d share with the readers is to make sure you have a Advisory Accountant & Tax Expert on your time. Having an advisor could ultimately save you thousands of dollars every year. Women Who Rock with Success: How can the readers connect with your firm?
Dr. Cozette: Readers can visit us online at www.myfinancialhome.com or they can reach us during normal business hours at 805983-1151.
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