N O R T H
A L A B A M A ' S
P R E M I E R E
MORNING
N E T W O R K I N G
G R O U P
BREW
Newsletter for R.I.S.E.
THIS ISSUE
Game Changing Strategies
INSIDE BUSINESS INSIGHTS
ARE YOU PRODUCTIVE OR JUST BUSY
AUTHENTIC LEADERSHIP MODELING & DELEGATION R.I.S.E. HOST & PROGRAM DIRECTOR
Vicki Morris I S S U E
N O . 8
APPLYING THE PEARL SUCCESSFUL LEADERSHIP A P R I L
2 0 2 0
CONTENTS NEWS
06 EVENTS & INFO 11 RISE SPEAKER SERIES STUCK AT HOME DURING COVID-19?
TIPS FOR PROTECTING YOURSELF FROM CYBERATTACHKS
FEATURES
BUSINESS INSIGHTS PUBLIC RELATIONS FOR SMALL BUSINESS
09 LEADERSHIP & DELEGATION 16 IS YOUR RESUME KEEPING YOU FROM BEING HIRED? 20 SUCCESSFUL LEADERSHIP 24 TIPS FOR CYBER SECURITY 28 BUSINSS INSIGHTS
SUCCESSFUL LEADERSHIP MARKETING PREPERATION
32 A LEGACY OF HEALTH & WEALTH WWW.THERISEHSVGROUP.COM
A LEGACY OF HEALTH & WELATH
WELNESS TEH NATURAL WAY PT 2
SUSTAINING SUPPORTERS EVENT MANAGEMENT BY This event is brought to the North Alabama Entrepreneurial community by the team at Face To Face Marketing, led by Vicki Morris, president and founder. A Public Relations and Project Management firm. Want to connect with them, click the logo for a link to their website.
VENUE & ACCOMODATIONS
Invention to Innovation Center at UAH
HudsonAlpha Institute for Biotechnology
Accommodations for several morning events have been graciously provided by the brand new I2C Center at UAH and the wonderful team at HudsonAlpha Institute for Biotechnology. Click the images for a direct link to their websites.
Published by Face to Face Marketing
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A message from our Editor This month has brought us a new normal. Many of us are working from home and finding new and innovative ways to do business. It’s like what was old is new again, but improved. Days gone by, in our society, we spent a lot of time together as families, watching TV programs, taking walks together, and finding joys being with the people we love the most. Today, we are finding areas in our homes for the perfect Zoom meeting. As employers, we have discovered that our team can actually be effective working remotely. There are no commutes, no time spent in traffic jams, and frustration at the amount of time it takes to go 5 miles down Hwy 72 during lunch time. Innovation, imagination and resilience are cornerstones of our way of life here in North Alabama. This is a major life and death situation we are facing, but the most important thing is that we are facing it together. We are modifying our actions, and the ways we do business, but we are still doing business, we are still in touch with our business community and our friends. I personally miss each and every one of you, and I eagerly anticipate being able to be together again. But, I do take this opportunity to encourage each of us to embrace this new normal for this moment in time. Treasure this time you have to work from home, and teach your kids about what you do everyday. We will all be together soon enough. This is uncharted territory we are facing, but this will pass, and I believe we will all be stronger on the other side of this pandemic! Stay Safe, Stay Separate, and Sanitize!
is r r o M i k Vic
in Pictures!
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EVENTS & INFO Information about networking events, business seminars, and other opportunities to grow your business. Please contact event organizer for more details on tickets, dates, locations, audience.
COVID-19 BUSINESS UPDATES Provided by the Huntsville Madison Chamber of Commerce, latest news is updated peridoically. We're all in this together, six feet apart.
COVID-19 UPDATES
APRIL EVENTS POSTPONED Due to the government advisory following the outbreak of COVID-19 all events for the month of April have been either canceled or postponed. Please check in with each corresponding organization for further updates.
ALL R.I.S.E. EVENTS CANCELED FOR APRIL In order to ensure the health and well being of our particiapnts we will not be having any R.I.S.E. events for the month of April. Sign up for our newsletter or follow us on Facebook @RISEHV for updates as they are posted.! WWW.THERISEGROUPHSV.COM
BE SURE TO CHECK OUT THE BUSINESSES OF OUR SUPPORTERS
STEVE LEVY | FOUNDER
STEVENLEVYASSOCIATES.COM
WWW.INNOVATEHSV.COM
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WISDOM FOR BUSINESS Trusted improve
business
the
advisors
performance
of
ready your
to
help
business!
WWW.STEVENLEVYASSOCIATES.COM |256-325-9809
Leadership & Delegation by: Steve Levy | Business Advisor
Leaders are found everywhere. They are people that can inspire others to accomplish thought
things
to
be
that
were
impossible
to
accomplish. Leaders exist by the position they hold, (think political positions, business managers and owners) or they are leaders by their nature. Both are important to have in your business. The attributes for leaders are many. Below is a short list that is far from all inclusive.
Visionary Communicative Honest Trust worthy Responsive Listening skills Consistent Creates the Company Culture Willingness to help Rapidly Intake Information
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GREAT LEADERS ARE JUDGED ON THIER EFFECTIVENESS...
Leaders are ultimately judged on their effectiveness. When results are positive, great leaders credit their team. When results are negative, great leaders take the blame.
Their leadership style can be very
Delegation is an essential tool for a leader to be
different. Great leaders can shift
effective. It is very rare that one person can
styles as needed based on circumstances and urgency. These styles include:
accomplish anything significant. The ability to draw others into the process, provide creative input, and handle various components and tasks is essential for success. Allowing others to help develop the vision, goals and actions helps
Authoritative Collaborative
create ownership. It also increases the likelihood for success.
The other part of delegation is being able to hold
Compassionate
your staff accountable for actions and results.
Loving
implemented. You have to be able to have those
Without this, most ideas are not successfully
difficult conversations with staff when tasks are
Fear based
not completed in a timely or acceptable fashion.
Great leaders are willing to relinquish control, but still hold themselves and their organization accountable for results.
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R.I.S.E. Speaker Series
Due to precautions to prevent the spread of the Coronavirus, all of March R.I.S.E. events and April events may be canceled. The speakers will be rescheduled if possible. Thank you for your continued support during this time!
Meet our APRIL Presenters! 11
About Dwaynia
In 2005, when Dwaynia Wilkerson started her teaching career at Alabama A&M University, she struggled to make a connection with her students during that first semester. Striking a balance between being the authority in the classroom and being someone they could trust was more difficult than she’d thought. But she struck gold when she realized the power of storytelling as a connection tool. After that first year, her students were eating out the palm or her hand (just kidding!) and she began sharing what she’d learned with others. After resigning from teaching in 2016 to start her business Prose & Pens, a content writing service that specializes in writing professional & speaker biographies, Dwaynia saw that she’d need to apply those same techniques to not only craft her new story but to also best help clients connect with their audiences.
www.proseandpens.com
About Daniel Daniel Kasambira joined the Heart of the Valley YMCA Association as Executive Director of the Hogan Family Branch YMCA in Madison, AL in January 2015. Prior to joining the Heart of the Valley YMCA, Daniel served as Director of Alabama A&M Student Health and Wellness Center in Huntsville, AL from 2010- 2014. Previously, he was a Relationship Manager at the United Way of Central, AL from 2007-2010 managing divisions that raised over $20 million in contributions over this time period. He has also served as Executive Director of 4 YMCA during his non-profit career with budget responsibilities ranging from $800,000 to $4.4 million with membership bases exceeding 16,000 members. Daniel maintains active involvement in community service organizations. He is an active member of the Huntsville Rotary Club International, Renasant Bank Advisory Board member, Board Treasurer of the Madison Chamber of Commerce, Huntsville Committee of 100, YMCA Professional Network (YPN) Chapter 21 Board of Directors, Community Action For Youth (CAFY) Steering Committee, Alabama Association of Non-Profits Board of Directors Vice Chair and Chaired the 2015 & 2016 Community Kite Day Festival, attends Emmanuel The Connection Church. He is a 2014 graduate of Leadership Huntsville Class 27. ) and Imani (15). He had the opportunity to serve as Board President of the Big Brothers Big Sisters of North Alabama 2012-14, Governance Chair for Huntsville Community Drumline 2014, Grissom High School Booster Club Board member, Co-Chair for Family Field Day and Resource Fair 2014, the 2012 and 2015 United Way of Madison County Pacesetter Campaign Chair (raised $1.1 million dollars in 2015— goal was $600,000) as well as Chair the Charitable Outreach Committee for the BBVA Compass Bowl (formerly the PapaJohn’s.com Bowl).
www.leadfearlessly.com
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Speakers for 2021 Know an awesome speaker that you think should be a speaker at RISE? Let us know!!
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Passion HR Consulting 2608 Newby Road Suite 200, Huntsville AL (888) HR - SERVE \\ info@passionhr.net www.passionhr.net
Is Your Resume Keeping You From Being Hired?
By PassionHR | Mike Bean, SPRH President
Looking for a new job can be an extremely stressful process. From finding the best job openings, to making the best impression during the interview, job hunting is not always for the faint of heart. At PassionHR, our experienced professionals know that when it comes to landing that dream career, you could win or lose the position before you’ve ever walked through the front door. The resume that you submit could be throwing up red flags without you even knowing it and could be sabotaging you from the very beginning. By definition a resume is “a brief written account of personal, educational, and professional qualifications and experience, as that prepared by an applicant for a job.” Sounds simple doesn’t it? However, there are some common mistakes that applicants make that, if corrected, can make all the difference in landing the position. Spell Check, Spell Check, Spell Check It may sound obvious, but time and time again we see the simplest of mistakes on resumes. Whether it’s your spelling or your grammar, making mistakes like these demonstrate to potential employers a lack of attention and being detail oriented. There are many sites and apps that do nothing but check for these mistakes. Filter your content through one of these or even have a friend look it over. Whatever method you choose, make sure to do it on the final, final draft. Going back and fine tuning has tripped up many a “careful” person.
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While we’re on spelling and grammar, let’s also talk about the way your resume looks upon first glance. No Human Resources manager wants to look at a resume that is done in off-the-wall fonts and styles, nor would they want to read the ‘War and Peace’ version of your credentials. Whether you consult the experts at PassionHR or go through a website, make sure the format of your resume is easy to read and concise. Be thorough with your information but don’t expand to the point of writing a book. Tell the Truth - Is Your Resume Keeping You From Getting Hired? Don’t Play the Spy In some businesses, trade secrets are closely guarded and the employees are held to higher standards. One of the safeguards commonly used in professional circles is a Nondisclosure Agreement. Basically, this is an agreement made between the employer and employee that says the employee will not disclose any details or practices to other people or companies. If you have signed one of these, you should honor it. Trying to make yourself sound better or more important by sharing this information with potential employers makes them wonder if you’ll do the same to them. Tell the Truth When it comes to resumes, we all want to make ourselves sound perfect for the job and put our best foot forward, but DON’T LIE! We teach our kids to be honest and always tell the truth but when it comes to ourselves it seems to be a different set of rules. Applicants will inflate grades and test scores. Some will expand the amount of years they were at a previous employer or take credit for work not their own. It doesn’t matter if it’s a “little white lie” or a complete fabrication of experience, lies always have a way of coming back to you and never in a good www.passionhr.net way.
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WE COULD USE YOUR SUPPORT!
Scan the QR code with the camera on your phone Click on the link that pops up Click the CONTRIBUTE button It's Just that EASY!!
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"YOU MUST MASTER A NEW WAY TO THINK BEFORE YOU CAN MASTER A NEW WAY TO BE." — MARIANNE WILLIAMSON
Successful Leadership: Marketing Preparation By Jay Newkirk
New business development is the cornerstone of every business. It is what ultimately determines the longevity and success of your business. After all, without new business opportunities, customers, and clients, your company will not thrive. A big part of new business development that is critical to the success of those doing contract work with the federal government is marketing preparation. Networking and relationship-building should be as integral a part of your business development strategy as the decision about which opportunities to pursue. But how do you know who to network with? Where do you find these opportunities? How do you capitalize on these relationships once they’ve been made? Below I offer my top tips for marketing preparation to assist with your business development strategy. Capability Summary Flyers Capability summary flyers are one-page documents, graphically designed and printed, that offer a snapshot of who you are as a company. Your flyer should include: DUNS number Cage code Designation (service-disabled, veteran-owned, 8a, woman-owned, etc.) Company overview/backgroundPast performance (condensed list is OK) Company offerings Contact information Contract vehicles you own or are working under Always carry your flyers with you. They can be invaluable to prospective clients and customers you may encounter at conferences and to hand out as a follow-on at the close of a meeting with potential government clients and partners.
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Prime Contractor Partners Identify and develop relationships with potential prime contractor partners. It is very important to have identified a possible opportunity that you are tracking and bring that information to the capture and proposal meetings. As you’re seeking out larger companies who you are compatible with you don’t just limit your scope to companies who do what you do. You should also be looking for companies that NEED what you OFFER. For example, an engineering firm that you might not normally consider working with may be weak in IT, which is what you provide—this could create a beneficial teaming relationship. Networking The power of networking is priceless. Opportunities can often present themselves as a result of who you know. But you have to get out there and meet people and develop those relationships. Here are some areas where you can focus your networking skills: Identify potential government agencies and entities that have needs in your offering space. Plan to strategically visit with those requiring agencies’ technical leads and their contracting offices Knowing how to optimally accomplish this involves searching agencies’ websites to find their opportunity forecast information, including any conferences they are planning. As a result of networking, determine who you’ve met that is working with a given agency you have an interest in and discuss teaming with them on some opportunities they are pursuing. Identify and attend other conferences of interest that potential clients are hosting who are focused on your offering areas. Be sure to bring your capability summary! Join and attend local professional organizational monthly meetings, including your Chamber of Commerce’s networking events. Marketing preparation can be the difference between your business’s success and its ultimate failure. Be sure that you are clear about who you are and where you want to take your business, be prepared to act when opportunities present themselves, and you will be on your way to successfully growing your business. What do you do for marketing preparation? Do you see this area as necessary or something you don’t have time for?
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Are you working from home due to Covid-19?
HERE ARE SOME TIPS FOR PROTECTING YOURSELF FROM CYBER ATTACKS By Chris Grounds, Ph. D.
As COVID-19 precautions continue to emphasize social distancing, most companies large and small are requiring employees to work from home it at all possible to reduce risks of exposures and potential growth of the outbreak. However, working from home and accessing sensitive data brings its own set of risks, and organizations such as the Identity Theft Resource Center (idtheftcenter.org) anticipates a rise in cyberattacks on their business infrastructure as more and more employees work remotely. In 2019 alone, cyber intrusions and “hacking� accounted for almost 40% of all data breaches. So, have you been asked to work from home while practicing social distancing? Here are five good tips from the Identity Theft Resource Center to help protect your business and your personal information while working 24
First, make sure your computer’s Operating System is up to date with all of the latest security patches. Windows usually auto-updates to make sure you’re up to date; you can confirm by typing “Updates” in your lower left search bar (on Windows 10) and selecting “Check for Updates” on your computer’s system settings.
Second, many working from home will be tying into their Home Wifi. When using WiFi, make sure your Wifi router is not using its default factory password (hackers can easily obtain this type of password). You can change your router password for your account online using your Internet Providers website (or through a smartphone app tied to your internet provider). Third, although it’s tempting to have one password across multiple accounts, don’t do this! Once a hacker is in one account, they can get to another one fairly easily. How do you maintain a big list of unique passwords without having to remember them all? A good rule of thumb is to create a password that’s easy to remember, but hard to break. For example, the phrase “May the Force be with you!” could be abbreviated to “Mt4sBwU!” and used across multiple accounts such as “Mt4sBwU!my-Bank” for your online banking account and “Mt4sBwU!my-Amazon” for online purchasing.
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Fourth, you may be doing a lot of email from home. Phishing attacks (i.e., realistic emails and / or websites that want you to click on a hyperlink which leads to malware) have been around for a long time, and only continue to grow. I’ve personally noticed that up to a quarter of my junk email is now COVID-19 related – phishing attacks try to keep up with current events! Another rule of thumb with respect to phishing attacks – “When in doubt, DON’T check it out”. Instead, either ignore it, or ask someone with expertise in dealing with identity theft to review it, but don’t click on the link or forward it to anyone! Finally, you will be getting a lot of information regarding COVID-19 from various sources like email, websites, and social media asking to help those who have been affected either directly from the virus, or negatively impacted with their job. If any of these requests require personal data to be provided, it’s likely to be a scam. Instead, help a local business by ordering takeout food, buying a gift card from your hair salon for a future visit, or providing resources to local charitable organizations.
Are you riding the social media wave?
During our current quarentine social media has seen an increase! Face to Face Marketing can help develop a social media campaign and graphics to keep your business in the consumer eye amid COVID-19! 26
BUILDING WEBSITES THAT GET YOU NOTICED RESPONSIVE SITES | CUSTOM DESIGNS | CLEAN LAYOUT Call to schedule your free consultation today! 256-489-0135 | Hello@FacetoFace-Marketing.com 515 Sparkman Drive HSV 35816
www.facetoface-marketing.com
Business Insights
PUBLIC RELATIONS FOR SMALL BUSINESS by: Vicki Morris | Marketing & Communications Strategist
Creating and maintaining a consistent ‘voice’ for your organization falls under the responsibility of the PR team for your company. This can include how press releases, social media content, print articles, and website verbiage all come across to the various audiences of the organization. The words and phrases used, the word pictures created all are a function of the public relations team. Given our current national and global emergent situation, Coronavirus or Covid-19, a company’s crisis management, or PR team, would distribute the corporate message internally and when needed externally. Your corporate PR team is your dedicated media contact. They should be well versed in a variety of writing styles to include social media content creation, writing for televised new content, radio interviews, and printed articles. If your company does any of the following, you have an active PR team: Community Outreach Communication with various sources of media Social media Crisis management (internal plan, external communications)
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This sounds a lot like marketing, and it does cross over from time to time, however, the specific focus of public relations is to effectively communicate a message; to educate the audience. The Public Relations Society of America says, “public relations is a strategic communication process that builds mutually beneficial relationships between organizations and their publics.”
“Public Relations is a strategic communication process that builds mutually beneficial relationships between organizations and their publics.”
A good PR professional is able to cultivate
a
story
that
company in the most
portrays
the
positive light,
regardless of the situation. The target audience for the PR team is not just potential customers, but the general public. Advertisers are trying to sell and promote
products
and
services
to
potential customers. PR professionals inform, and educate When positive things happen for the company or organization, the PR team communicates that message to the target audience, not based on whether they are potential clients. When negative things happen like a company shut down, a natural disaster, or leadership misconduct, the PR team is also called to manage the message and curtail the negative effects of the situation on the corporate image. Just as important as media relations is for a great PR Team, research is also a vital part of the PR professional's role. Researching and evaluating current and future community events, fundraising programs, company policies and procedures, business and marketing plans, and other programs.
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Some of the most common duties of the PR team can include: Writing and distributing press releases Writing speeches and presentations Developing pitch letters to send to journalist Managing social media messaging and responding to negative opinions Conduct Market research Create and manage special community outreach events Attend networking events and sponsoring events Managing crisis communications Businesses large and small, across all industries need effective public relations. It can be something the owner of the business does, or it can be something that is contracted out. Most cases, it is best advised to outsource certain aspects of this role to maintain an objective focus. Seek out the services of a PR professional when your company wants to protect, enhance, or build its reputation through various media outlets. There are many entry points for organizations to give their message to the media. Blogs, websites, TV shows, magazines, podcasts, radio shows, etc. Great PR professionals will do the research to discover the best outlets for the specific messages of the company and the best way to verbalize that message at any given moment in time. They will take the time to learn about the company, their mission, their strengths, and their weaknesses. You have to know where the weak spots are so you can anticipate problems and work proactively to minimize negative press.
Face To Face Marketing is a public relations and project management focused firm that can help your business, large or small, effectively communicate your message in your corporate voice. Hello@FaceToFace-Marketing.com www.FaceToFace-Marketing.com
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A legacy of Health & Wealth A
R.I.S.E.
ARTICLE
SERIES
WELLNESS THE NATURAL WAY BY RICK MAKOWSKI
This is the third in a series on Wellness, the Natural Way and extends the topic of safety in addressing dosage and application/use of Essential Oils. As a refresh, some of the important aspects of safety are: Quality and Testing of the product, Dosage/Dilution, and Application. Quality and Testing: Not all EOs are created equal and the adage “caveat emptor” – “Let the buyer beware” applies, especially with the explosion of these type of products in the marketplace. The message is; Do your homework! Understand how the company manages the process from where and how it is sourced, to how it is harvested, processed into an EO or natural product, tested for pureness and quality, then bottled and offered to market. A high quality EO will have a thorough history trail of that entire process and explain it to the public. Let’s take sourcing as an example; a plant grown in the southeast US will have different chemical characteristics than the same plant grown in the northwest or in Brazil or India. Not only are the soil characteristics different but also the water and environment it grows in impacts the look, smell, and even taste of the plant, but especially its chemical composition. This equates to its effectiveness when processed as an EO. Maintaining consistency of the EO requires extensive background testing, planning, and management to ensure quality and effectiveness of the product.
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Dosage/Dilution: From the previous article, “less is better”. Age and sensitivity are key factors, especially with young children and older adults. Using low-quality, altered, or synthetic essential oils dramatically increases the possibility of sensitivity or negative reactions and decreases the effectiveness of the oil. With a high quality EO that is pure oil and potent, only a small dose is needed to provide a benefit. How it is applied also factors into the dosage and dilution. Some EOs are very potent and require special precautions for use with children or older adults. They may need to be diluted with a quality carrier oil (benign, nonreactive oil) to increase the surface area of application, reduce skin sensitivities or slow down the absorption of the EO. A reference guide to dosage can be found at: www.doterra.com/US/en/blog/healthy-living-essential-oils-guide-safety, courtesy of DoTerra. It is only for general guidelines as amounts also depend upon the type of EO.
Application: Methods include aromatic, topical and internal.Aromatic: An effective and the simplest way to experience EOs is by smelling them. Taking a whiff of an EO noted for calming effects can help to reduce anxiety in a stressful situation. Others noted for purifying the air are good in a diffuser especially during cold and flu season. A diffuser vibrates the water and EO at a very high frequency, outputting a very fine mist into the air. It is important to use a diffuser designed for EOs. Since the oils are very potent, they may react with softer plastics and chemicals in the plastics could be released; do not put EOs in the traditional humidifiers many of us grew up with. It’s puzzling why many people are comfortable using the readily available artificial air fresheners and sprays but are unsure of using a quality EO in a diffuser. The topic of aromatherapy is a subject for another time. Topical: Many EOs can be placed directly on the skin/body (with or without a carrier oil for dilution). Some require dilution as they are very potent. Its important to do your homework to understand the EO you are using, it’s properties and impacts. For instance, citrus EOs (to include blends of EOs with citrus) are photo-sensitive and react to sunlight. So, if applying one of these citrus based EOs topically, especially in the summer, put it where “the sun doesn’t shine”, or it can accelerate a sunburn.
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General locations to apply EOs are the wrists or bottom of the feet (arch) as it is readily absorbed into the body. Other locations are more specific to the need and EO used. Combining topical with standard reflex points can increase the effect of the EO. A simple diagram of the hand reflexology points shows the respective points of major organs and body systems, Figure 1. There is a wealth of more specific information on reflex points of the feet, ears, etc. through a variety of sources. Internal: Taken internally in a glass of water or a vegetable gel capsule is the most direct way to experience the benefit of EOs. It is important to understand the specifics of each EO as not all EOs are recommended for internal use. Additionally, quality is a factor since not all products are processed with the purity to be taken internally. It is recommended that one should proceed with caution on the use of EOs internally and consult with a health care professional well versed in the use of EOs. The importance of Wellness is reaffirmed with the current anxiety over COVID-19. The state of being well, with a healthy immune system, gives one a much better chance at being able to weather the storm. We will continue to learn of some of the natural tools in Mother Nature’s wellness “tool kit”. This article is intended for your personal use and informational purposes only. You should consult with a physician before beginning any exercise, fitness, diet, or nutrition routine, especially if pregnant or have pre-existing health conditions. Nothing contained in this article should be considered as medical advice or diagnosis. Rick & Betty Makowski are Wellness Advocates and use natural methods extensively.
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ND OUT TAND OUT STAND OUT STAND OUT STAND OUT STAND OUT STAND OU STAND O Our team designs GRAPHCS for social, websites, and print !
VECTOR IMAGES DESIGNED TO SPECS CLEAN LAYOUT
Contact us to schedule your consultation today! 256-489-0135 Hello@FacetoFace-Marketing.com 515 Sparkman Drive HSV 35816
R.I.S.E. THANKS OUR COMMUNITY SPONSOR
Don Daniel, founder and creator of The P.I.L.L. Method International, has written a top-rated financial book and it is available now on Amazon. Mr. Daniel is a resident of Huntsville and has been in business with The PILL Method for many years. He has traveled all over the world teaching people this better way of thinking about debt cancellation. www.thepillmethod.com
They Said I was a Nut! by Don Daniel
A Nationally known financial guru called me “a nut!� When he heard my plan for helping families get out of debt, he simply could not believe I had the nerve to propose such a wild idea. My plan focuses on what none of them talk about. Using interest to your advantage. Credit cards are not bad, misuse and misunderstandings about credit debt is bad. Eliminating debt quickly can be clarified with this simple, but highly effective formula: pay less interest, get out of debt sooner; pay more interest, stay in debt longer.Story: The PILL Method, is the most powerful money management tool ever created, and most of the world has never heard about it, until now. This method teaches families to understand how interest works.
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Every time you borrow money, whether for a car, a home, credit cards, and even student loans; there is interest associated with that loan. The interest is how the borrower earns their living. The higher the rate of interest, and the longer you pay the interest, the more the lender makes. What if you could reduce the accumulated interest by leaps and bounds? What if you could pay off your 30 year mortgage in 7 years? Now you have 23 years of that initial 30 year albatross of a mortgage, to do other things with that money. You could invest that money into your children’s college education, you could pay off additional debt, and best of all you begin a legacy of wealth building as you model this practice in front of your children. If they choose to go to college, they can graduate without a load of student loan debt. Say they decide not to go the college route. The money you saved for their education, and the interest that money earned could help them begin their adult life debt free. The PILL Method stands for: P Prepayment of Principal. Cut the interest cost I Isolation of Principal amounts. How much principal to pay at any given time L Leverage. Using fragments of money to eliminate large amounts of amortized interest L Liquidity the ability to access cash on demand Now getting the plan to work for your situation is very easy. This is applicable to every financial situation, every lifestyle, every stage of a family life cycle. Since I’ve been sharing this method with hundreds of grateful families all over the world, many have asked if there were a book to accompany all the principles I taught them. Until now there was none that existed. You see this is not a national brokerage firm, or a ‘canned’ process that anyone can just buy. This is a process that I cultivated and refined. I am an ordinary man with an extraordinary ability to see patterns in amortization schedules and develop a method to explain this process in simple terms. You see, I was diagnosed with Asperger’s and ADHD. This diagnosis manifests itself in an amazing ability to see a clear path toward financial independence through the understanding of how money really works, and I want to share it with all who are willing to learn. The book is out and available on Amazon! The title is The P.I.L.L. Method, A Better Way to Eliminate Debt. By Don Daniel. Check out the link to the book on Amazon here: https://amzn.to/36jH8Tm
Vicki Morris | Program Director Vicki@FaceToFace-Marketing.com 515 Sparkman Drive 256-489-0135
