SHOWCASE Magazine September/October 2021 Edition by Denise Bethune

FOCUS:

1st African American Woman Director Of Counseling PHFA Housing Counseling Thought Leader SHOWCASE Magazine the “PROGRESSIVE Black Woman

SHOWCASE MAGAZINE EDITIONS

SHOWCASE Magazine the “PROGRESSIVE Black Woman

Founder’s Message It’s always an honor when someone says “YES” to be

apart of something that you “LOVE” to do, and for this I am thankful to all the Women featured in this SEPTEMBER/OCTOBER Edition of SHOWCASE Magazine the “PROGRESSIVE” Black Woman. I hope you are inspired by the work that each of these Women are doing in their own communities. We celebrate you everyday !!!

Denise Bethune SHOWCASE Magazine the “PROGRESSIVE Black Woman

“Success is a state of mind that requires a certain aptitude and alti success. Do not be afraid of failu

SHOWCASE Magazine the “PROGRESSIVE Black Woman

titude. Keep working hard until you reach your ultimate happiness of ure and any kind of obstacles: there is always room for opportunity.” Laure Lemboumba

SHOWCASE Magazine the “PROGRESSIVE Black Woman

INSIDE EDITION WOMEN ON A MISSION

COVER FEATURE LATASHA MORGAN...12 JUDI TOWNSEND…..18 LAURE LEMBOUMBA..26 ROBIN N. HAYNES..30

WHO WE ARE : FOUNDER DENISE BETHUNE MANAGING PARTNER DAMON TROY SOCIAL MEDIA AMIR & ANAYA TROY LOGO DESIGN

COVER PHOTO CREDITS Stylist Gretchen Williams Photographer Marcus Derricotte’

ANAYA TROY FINANCIAL CONSULTANT AMIR TROY CREATIVE CONTENT ADVISOR BONNIE JOSEPHINE CONTACT: SCMZINE76@OUTLOOK.COM ALL CONTENT IN THIS MAGAZINE ARE THUR THE APPROVAL OF EVERY WOMAN FEATURED, NOTHING WILL BE ALTERED OR MISPRINTED WITHOUT PERMISSION 2021

SHOWCASE Magazine the “PROGRESSIVE Black Woman

Successful financial advisor Robin R. Haynes never thought she would struggle financially, but a series of events led her to question everything she knew, both in life and in her career. A shift from her first book, The Fundamentals of Finances Applied to Everyday Living, where she discusses various financial strategies, this book gets personal, focusing on Robin’s inspirational story of perseverance and her ability to overcome challenging times.

SHOWCASE Magazine the “PROGRESSIVE Black Woman

Pennsylvania’s Terri Redmond

Helping To Revitalize Housing Initiatives In Her Community Ms. Redmond currently serves as the Director of Counseling for the Pennsylvania Housing Finance Agency (PHFA). She is the primary contact and coordinates the efforts of PHFA’s Comprehensive Housing Counseling Initiatives (CHCI) and Foreclosure Mitigation Counseling Initiative. She also develops policies and programs that facilitate capacity-building opportunities for the participating housing counseling agencies through the deployment of existing PHFA programs and training opportunities. Since the creation of the CHCI, 18 years ago, PHFA has experienced over 100% increase in the total number of counseling agencies that participate in the Comprehensive Housing Counseling Network. Through her efforts, PHFA has received over $70 million dollars to support housing counseling efforts through-out the Commonwealth, the largest infusion of funds any Housing Financing Agency has received. The network agencies have dramatically increased the number of families served, from 640 families in 2003 to over 25,000 households annually. She is first women, first African American and the first director to lead the Counseling Division at PHFA. Her efforts in unwavering championship of excellence in housing counseling have enabled thousands of Pennsylvanians to purchase their first home, prepared for success; and thousands facing foreclosure to make the best decisions with the maximum options—and all with the support of expert housing counselors by their side. These accomplishments have led to an appointment to serve as a founding member of the U.S. Department of Housing and Urban Development’s, Housing Counseling Federal Advisory Committee from 2016 to 2017. In 2019, she received the “Visionary Leader in Community Development Award” by Neighbor Works America, a non-profit organization that has developed a network of more than 245 independent, nonprofit organizations that help individuals, families and communities thrive through comprehensive approaches to affordable housing and community development. She was also honored as an award recipient of the “YWCA Tribute to Women of Excellence”, the Class of 2019, for consistently giving back to her community. She was selected by the editors of the Central Penn Business Journal, as a recipient of the “Women of Influence Award,” in recognition for significant contributions and leadership in the fields of business and real estate in Central PA. One of

her most notable achievements, while serving as the Vice President of the Board of the Wesley Union Community Development Corporation (WUCDC) and Chairperson of the Project Planning Committee is her commitment to improving the quality of life for the residents in Harrisburg’s Uptown neighborhood. Together, WUCDC in partnership with the City of Harrisburg PA, Mayor Stephen R. Reed, between 2003-2010 influenced the development of over 130 single-family units in the uptown neighborhood revitalization effort. To date, over $100 million has been invested in the community transforming a neighborhood that was once called Lotsville into a thriving mixed income community. Ms. Redmond earned a Bachelor of Science Degree from the Philadelphia College of Textile and Science, now known as the Jefferson/Philadelphia University. She attended Temple University School of RealEstate, she currently holds a Real-Estate License and a NCHEC Certification in Homeownership Counseling for Program Managers and Executive Directors. Ms. Redmond is currently a member of the National Community Reinvestment Coalition (NCRC), the National Association of Real Estate Brokers. Inc. and a member of the Wesley Union A.M.E. Zion Church located in the Uptown section of Harrisburg PA, where she serves as a member of the Board of Trustees and currently sings on the Sanctuary Choir. She resides in Hummelstown PA and has one son, Marcus.

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LATASHA MORGAN SERVEING WOMEN FACING MENTAL HEALTH ISSUES, HEARTBREAKS AND MORE…

Born and raised in South Central, LA, Latasha’s journey started off with many hardships. Latasha grew up in an home where there were serious economic constraints among other adversities. Latasha’s fate changed at the age of 19 when she found God and made Him her source of strength and comfort. She hasn’t looked back since! Focusing on herself, and the future ahead of her, Latasha went to become an inspiring woman, author, and the founder of a non-profit organization. Latasha has built a career founded on strong academic merit. She is a professional nurse, with more than 8 years’ experience in the medical field. Serving in this professional capacity, she has learned the skills in leadership, teamwork and organization unique to the medical field and brings them to bear in her executive capacity to serve women facing mental health issues, heartbreaks, Domestic violence, unhealthy relationships, lack of self-love, and those dealing with low income situations like eviction and homelessness..

and Owner of Her Place of Refuge, a non-profit organization of love and support dedicated to creating a better world through assistance, intervention and material provision to the vulnerable. She has made it her life’s mission to make the world around her a better place. To this end, Latasha spends her time educating the youth about the importance of education, hygiene, self-love, respect, tolerance, With deep industry knowledge, coupled with an morals, and much more. Outside working, Latasha loves spending time analytical and detail oriented approach, Latasha is equipped to understand the needs of the most dis- with her family and friends. She is married to a very cerning victims, delivering an experience rooted in loving and supportive man with whom she has 5 service, integrity and expertise. Her strong leader- adorable kids. Anchored upon her love for people, and with the belief that a woman can only be held ship and problem solving skills make her a keen advocate for those she serves, proactively seeking back by the limitations she sets for herself, Latasha out new ways to enhance her services and continu- works hard every day to share her message, and ally attain excellence, with client satisfaction the ul- inspire women to find their own power. timate objective. A humanitarian to the core, Latasha is Founder

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Thanks for saying yes to my request. Your bio tells a lot about the person you are, raised in South Central LA, tell us about your growing up years, something most people don’t know..? Well for a majority of my childhood, I lived with my grandmother. I was the youngest of five so I was so attached to my grandmother, I was always longing for that motherly bond. A bond I didn’t get a chance to develop early with my maternal mother, because she chose party life. Must of the time my grandmother, whom was already a mother of 13 children; was overwhelmed. This caused her to be mean at times. However no matter how mean to me she was, she was who I cling to as a mother diver. While what must don’t know is my grandmother who had taken in my siblings and I, got very sick. She suffered in silence, it turned out that she had ovarian cancer. Her death was very traumatic for me, I was lost and after she die; I felt a grief so bad I tried to commit suicide. All I remember is I took a large kitchen knife, went in my aunts bathroom and put it to my stomach. I cried and cried, but I was to afraid of the pain and to afraid to die.

real Mental health issues. Especially African American women. We are taught to be strong by the women before use. Which can be a good and a bad thing, depending on where we apply our strength. What I do is help women validate their feelings on whatever they are facing or have faced in life. Helping them to understand that it’s okay, not to be okay. Community service changes lives over and over again, “Her Place Of Refuge” is doing just that, how can we support your mission? Yes Her place of Refuge is my non profit organization. Because I myself have experienced homeless and lack of family support. I created this non profit to help support women and children. You can visit my website, www.herplaceofrefuge.com to donate or volunteer. All donations go towards providing families with essential needs, including food, clothing, shoes, and even temporary shelter. Belief that a woman can only be held back by the limitations she sets for herself” Such a powerful statement, how has this statement changed your life? For a while I was going through life thinking my lack of growth was because of the people around me. Also I was allowing the fact that I didn’t learn to read until I was 9, and my educational background wasn’t great. All these things came with limitation within themselves. Until a few years back, I decided to take a chance on my self. Decided that whatever I had been through would be in vain, if I don’t share my story to help other women.

Adversities (which can be many things) sometimes become the norm for some people; do you ever have those days where you feel like the past is starting to re-surface? And if so how are you able to stay focus? Yes I think the pass has away of always trying to remind you of who you use to be, or what you use to go through, except or endure. However because I went through the complete process of healing. I don’t let the pass affect my present.

When your’re not saving the world, what does Latasha do for herself..? Well it took me while to find balance, however these days I totally take advantage of me time. Sometimes this means just walks in the park, exercising or just listening to my gospel while praying. God is my source so I understand the best thing I could do for me is fellowship with him. This keeps my pour, especially in today’s world.

Serving women facing mental health issues, heartbreaks, unhealthy relations seems to be an ongoing way of life for women all over the world, what are your biggest challenges when addressing women with these issues? The biggest challenge so far is, getting women t o believe they deserve to be free. So many women today are use to being disregarded, and dismissed when it come to 13

SHOWCASE Magazine the “PROGRESSIVE Black Woman

I MAKE THE RULES The art world, as they have organized and defined it - as with all things in this society - is the pretentious, unwelcoming child borne of dysfunctional, oppression-nurturing parents. This is the reason why, despite a nation full of nearly supernaturally talented Black artists, we represent 1% in representation by galleries and gallerists (Source Documentary): Black Art: In the Absence of Light) in that world of art they created. So, I learned long ago that I would likely never get on “their” radar for a plethora of reasons - I have no distinct style; there’s not necessarily a resounding and consistent message in my work aside from Beautiful Blackness; there’s no particularly interesting stories within my life experiences; there’s no story about my subjects, Black people, that they find intriguing; I’m far too prolific to ever leave people panting with anticipation for the appearance of my next piece - which they have determined should come long after my last one is premiered; there’s no air of mystery to my art because I post everything I create as soon as I create it; I have no degrees, am not a student of history and have no formal education beyond high school. Those are their reasons, compiled to keep THEIR world inhabited by only a particular kind. But here’s the gotcha...this bubble of creative expression that I’ve maneuvered within ever since I can remember is MY WORLD. And guess what? In my world, I make the rules and those rules are written on my spirit, inked directly from my soul. I’mma post my creations at will...because the people who want to see it, want to see it ret nah, and that’s good enough for me. I’mma continue to draw Black life and all of the facets therein, because it’s my story and continues to build into the best story known to mankind. Regarding intrigue and mystery, well, that happens the moment you stopped scrolling to pay attention - you were intrigued; Mystery? boring AF when it’s a façade and I’ve never been about that life. I am an open book - as are my creative accomplishments, challenges and dreams. You get that from me whenever I decide to give it, and if any aspect of my life, my creations, or my educational background only serve to rouse disinterest - exit my world. It’s that simple. Nothing is more yawn inducing to me than the thought of compromising all that I am creatively in the hopes that their art world will show interest. Baby, with all the phenomenal talent from my people currently on display, currently as worthy of the thousands of dollars those simps will pay for an invisible sculpture of “energy” while we STILL hold at a strong ONE PERCENT, figuring out ways to play by their rules will never be a priority.

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1ST AFRICAN AMERICAN WOMAN DIRECTOR OF COUNSELING PHFA HOUSING COUNSELING THOUGHT LEADER Director of Counseling for the Pennsylvania Housing and Finance Agency, is a huge responsibility for anyone, I can’t even imagine all the work you put in helping others to achieve housing, whether it be purchase and or recovery so to speak. How did this transpire for you? Did you know this is what you always wanted to do?

I’VE

really been directing the activities of the now new Counseling Division since I was named Manager of Counseling and Education in 2006 while I originally worked under the Director of Strategic Planning and Policy. The Office of Strategic Planning and Policy was historically the Division at Pennsylvania Housing Finance Agency (PHFA) where new initiatives either flourish, and/or may potentially become its own Division, or die. I knew nothing about the housing counseling industry at the time I interviewed for the position and really wanted to learn more about the housing development industry. You see PHFA is consider the premier developer of affordable housing in the state of Pennsylvania. When offered an opportunity to work with the Director who at the time was responsible for a new single family housing development initiative, I just knew one day, I would get an opportunity to work on neighborhood development projects on a full-time basis. But God had other plans for me! During the early stage of my professional career development, I obtained a real estate license and furthered my education in the field at Temple University School of Real Estate after graduating from the Philadelphia College of Textiles and Sciences now known

as Thomas Jefferson University. Just in case the retail manager/merchandise buying career I wanted didn’t pan out! It’s always good to have a back-up plan. Even though I was promoted several times while working at a major department store from, assistant buyer, to group manager and senior assistant buyer and supervised over 60 temporary and part time employees, was recognized by the store managers for achieving significant production goals during my fiveyear tenure involved in the executive training program, I was overlooked for the position as Buyer by other younger candidates of European descent. When I was denied a raise during my performance evaluation, I simply submitted my two weeks’ notice, on the spot, resigning from a position and industry that I had worked very hard to achieve. I used my experience in real estate and politics to launch a career in community and economic development which has lasted for more than 30 years now! In 2003, the new Executive Director, Brian Hud-

son at PHFA had a vision to expand the Network of Housing Counseling Agencies through-out the state of PA and he thought I was the right person for the job. He believe that if we created this extraordinary business development opportunity, if structured properly to create a mutual benefit for PHFA and the non-profit agencies, we could educate more first-time homebuyers to achieve the dream of homeownership and prevent the likelihood of residents in PA from losing their homes from foreclosure. And he was right!

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Terri w Governor Tom Wolf

SHOWCASE Magazine the “PROGRESSIVE Black Woman

Late in life Judi Townsend became an “accidental entrepreneur” as a result of looking for Tina Turner concert tickets. While searching for tickets on Craigslist she saw a mannequin for sale. Instead of buying one mannequin for an art project she ended up with all 50 mannequins the seller had for sale. The seller inspired her to start a side hustle renting mannequins although she had never touched a mannequin before or worked in retail. Because so many people thought she was having a midlife crisis with this idea, she named the business Mannequin Madness. Now the company is an award winning ecommerce business with 4 employees, 4 independent contractors with customers all over the world. Judi expanded from renting mannequins locally to having an e-commerce business selling mannequins all over the country. She is the leading mannequin recycling company in the country with clients such as Nike, The Gap, Nordstorm, Macy’s and Ralph Lauren. Mannequin Madness is also the one stop shop for mannequin DIY projects such as Dress Form Christmas trees. Judi is a graduate of the University of Southern California.

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1st African American Woman Director Of Counseling PHFA Housing Counseling Thought Leader

Being a Woman of Color, according to the consensus we have to work harder to prove ourselves with almost everything, how supportive are your colleagues?

SADLY,

I am not alone in the quest to be free or unaffected by the presence of systematic racism that exist in the housing, finance, the mortgage lending industry, and our society. Clearly in order for anyone, regardless of color to be successful, you must garner the support of your colleagues. In my case, I was hired by the decision maker and head of the company, who was educated, gifted, black, highly respected in the housing finance industry on a national level. Everyone else, fell in line!

Terri w Congresswoman Maxine Waters

SHOWCASE Magazine the “PROGRESSIVE Black Woman

“But I had to do the hard work and the heavy lifting all with the spirit of gratitude and the determination of Job, knowing that this opportunity was given to me out of a vision. Everything I needed to know know II learned learned from for mymy colleagues, other division directors at PHFA and the accomplished leaders and executives at the agencies that were already involved in the Network. Within months of accepting this position, I quickly found a few experienced and seasoned female executives that were running very successful nonprofit development and community organizations, with demonstrated areas of expertise that were willing to mentor me.”.

You are the first women, first African American and first Director of Counseling managing PHFA’s Comprehensive Housing Counseling Initiative, outstanding achievement Terri, what a testament about the influence you have thru education, community, and personal achievements. What does these first’s mean for you? the accomplishment is awesome it wasn’t my focus, I believe in the mission of the organization which is to provide safe, decent affordable housing to, low - and moderate - income families, seniors, and persons with disabilities. Unlike the private sector mortgage finance industry, I found a safe haven to operate in and the rest just came into fruition.

WHILE

The creation of a division is a huge professional achievement, opportunity for other divisions to contribute to the profitability of the company when implementing programs that require a certified housing counselor. Provides work and career building opportunities for present and future staff. The ability to provide the muchneeded technical assistance and support to non-profit housing and community development organizations to leverage

funding, to build capacity of their employees, while undoubtfully we continue to help educate residents regarding the home buying process and to provide access to programs. It means, the housing counseling industry in Pennsylvania has permanently assigned resources from PHFA’s general fund. We leverage those funds and attract millions of dollars in state and local funds to help educate and improve the financial condition of thousands of residents in PA and will continue serving in this role for many years to come. Supporting the housing counseling network means consumers have access to loans and grant opportunities in their neighborhood to improve their lives. It means stabilizing and potentially revitalizing communities, helping people in need. This is God’s work!

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1ST AFRICAN AMERICAN WOMAN DIRECTOR OF COUNSELING PHFA HOUSING COUNSELING THOUGHT LEADER

If you were approached to develop a plan to tackle this ongoing issue of homelessness for good what would that be?

According

to the United States Interagency Council on Homelessness, housing provides a foundation from which a person or family can access the services and support they need to achieve stability, begin the recovery process, and pursue personal goals. So once a person or family obtains temporary housing there are resources and programs available. But the demand outpaces the cost and/or the availability of funding to support the need. Then there is the issue of finding permanent/affordable housing that people can access. So, we need more funding to support the development and rehabilitation of affordable housing and spaces and places that will allow the development to take place. I think we need a national policy initiative focus solely on targeting opportunities to building affordable housing free from restrictions and existing zoning requirements as a priority agenda item that would be funded in the national budget. These development areas

would supersede and/or coordinate with any existing local plans that do exist. Of course, we need additional affordable housing tax credit allocations and other incentives, grants and low interest rate loans for developers, landlords/property-owners/investors, contractors to have the working capital to support their cash flow and the funds to repair and rehabilitate blighted properties so they can invest more in low-moderate income neighborhoods where these types of projects are needed most. Increasing the minimum wage to a family sustaining wage supported by the affordable housing index rate in each state or metropolitan area would be helpful. This would ensure wage earners can purchase a decent home that they can afford or at least rent a one-bedroom apartment in the city or town that they choose to call home with any job they choose. These ideas required political consensus and would drastically change current policies and regulatory requirements not easy to achieve.

SHOWCASE Magazine the “PROGRESSIVE Black Woman

Terri Executive PHFAHudson Brian Hudson & Michelle Terri w w Former Executive DirectorDirector of PHFAofBrian & Michelle Lewis Lewis

SHOWCASE Magazine the “PROGRESSIVE Black Woman

GOLDEN MADE KAFE INTL, LLC A Drop Of Gold For Every Cup Due to my business ambition, I decided to broaden my skills by adding international market language, English. So, I moved to Houston, Texas (US) to go further into my

“Coffee represents gold to me”

education. In 2014, I earned my bachelor’s degree in Supply Chain Management from the University of Houston-Downtown. Consequently, I got into coffee about six years ago when I started working for a coffee manufacturing plant in Houston. At that time, I was not a huge coffee drinker but after seeing what it takes to get a single cup of coffee and how it could make a difference in someone’s day. I knew I wanted to be an actor in that industry. With time, I have gained a cultural, social, and professional connection with coffee. In addition, coffee represents gold to me ie. wealth, culture, diversity, and exchange. These experiences have expanded, helped, and stirred my Life Purpose to my passion for coffee. As a result, I launched my own coffee business six months ago in which I developed exclusive blends inspired by French culture. Now, our Golden Made Kafé products are proudly not only represented in the United States but around the world. In this journey, I have learned to find my definiteness of Purpose. Moreover, I ignited the mixture of my inner skills, experiences, strengths, passion and faith to create a unique brand and coffee products satisfying coffee lovers.

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Laure Lemboumba I am originally from Gabon in Central Africa, my family moved to France when I was three years old for business matter. Entrepreneurship has always been a dream of mine from witnessing my Dad multiple and diverse. Therefore, I went to the University of Technology in Roanne, France where I got my degree in Technology in Industrial Logistics, Quality and Organization. At the end of my program, I was awarded the Young Creator of a National Production Unit in 2007.

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1st African American Woman Director Of Counseling PHFA Housing Counseling Thought Leader

How are the residents of the Harrisburg’s Uptown neighborhood doing?

The

Uptown neighborhood of Harrisburg is thriving. It is a model and testament of what a true community partnership can do. It started with an initial investment made by the Harrisburg Community College to build and extension center in the neighborhood so residents in that community who wanted to obtain additional college credits could attend class right in their neighborhood. A multi-million-dollar public and private investment was leveraged in four phases and funded in part with resources that was allocated by PHFA, to construct and rehabilitate housing which included the much-needed investment in the public housing authority’s’ properties, at various locations, the community center, the senior center and the medical center for residents in this mix income neighborhood. Homeowners created resident associations and neighborhood crime watch chapters to organized activities and ultimately supersede the potential for crime that would typically occur in any intercity neighbor-

hood. There has been sufficient investment in the Broad Street Market, renovations of the neighborhood groceries store, the local movie theater has been revitalized and reorganized and is now accepting memberships to reestablish customer loyalty. Capital investments have been made to the city streets and sidewalks in the commercial areas, we called them Opportunity Areas in the Plan. These areas are experiencing significant investment after the street was widen and sewer and water lines were repaired, paving the way for the new U.S. Judicial Court House, and the expansion of the State Capital Complex is now underway. This was all started by helping my Pastor structure a faithbased community development corporation and garnering the support of the congregation, the residents, public officials of the neighborhood and the Mayor of the City of Harrisburg and raising the money to fund a comprehensive neighborhood action plan.

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Terri & Marcus (Son)

Terri & Congresswoman Maxine Waters

Family

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STAYING FOCUSED AND DETERMINED Do you need more assistance with navigating through your financial picture? Basic Financial Strategies.

Budgeting and it’s importance. What is a budget? A budget better known as a spending plan is a summary which is created to view your income and expenses. It determines the amount of money that has been allocated (assigned) to a particular expense.

Reasons why budgeting is important: It lays the foundation for financial success It tracks your financial movements (defining what you’re spending your money on & why you’re spending it) It keeps you from over spending It helps prepare you for the future (i.e. homeownership, retirement, furthering your education)

How to identify and overcome challenges. What are challenges? Challenges are those things that prevent you from accomplishing your goals. What do you do when challenges arise? Some tips for overcoming challenges: It’s ok to get frustrated, just don’t stay there. Define your purpose and make it plain so you can easily identify your WHY. When LIFE happens, remember to look at your WHY When LIFE happens, look at the issues, dissect the issues and put a resolution to the issues. Don’t deal with it later, deal with it NOW.

Determining needs versus wants. What is a need? A need is something that is required for survival. Those items that are needed for survival are: food, clothing, shelter, transportation, and medication

What is a want? A want is something that is desired BUT not required. ***DO NOT ALLOW YOUR WANTS TO OVERSHAWDOW YOUR NEEDS***

The importance of goal setting. Setting goals is a necessary component for long term success. Setting goals that you can achieve will allow you to feel a sense of accomplishment. 30

•KEY COMPONENTS TO MAKE YOUR FINANCIAL JOURNEY SUCCESSFUL•

Here are some basic strategies that will assist you with your navigating through you financial picture.

When setting goals look at your intent (the purpose of sett ing this goal), and your execution strategies (ways you are going to achieve this goal) © 2020 Robin R. Haynes | All Rights Reserved. Setting goals that you can achieve will allow you to feel a sense of accomplishment. When setting goals look at your intent (the purpose of setting this goal), and your execution strategies (ways you are going to achieve this goal) © 2020 Robin R. Haynes | All Rights Reserved

•ANNUALLY Where do you see yourself 12 months from now?

•QUARTERLY There are 4 quarters in a year. Every quarter you should have at least 2-3 goals that coincide with your annual goal.

•MONTHLY There are 12 months in a year. Every month you should have a least 1-2 goals that coincide with your quarterly goals which then should coincide with your annual goal.

•WEEKLY You should give yourself no more than 2-3 tasks to complete weekly to assist you with achieving your goals. Overall strategies to change your financial life Know your overall financial picture Understand how much debt do you have and work to eliminate reduce this annually Create and work toward financial goals Create and maintain a budget Implement mindset changes Do you live in scarcity or abundance? Where you currently are is not your final chapter Create and work a plan that helps you move toward your goals SHOWCASE Magazine the “PROGRESSIVE Black Woman

ROBIN R. HAYNES

FINANCIAL JOURNEY Email: robin@robinrhaynes.com Phone: 443.292.6925 Web: www.robinrhaynes.com Social Media Facebook & LinkedIn: Robin R. Haynes Instagram & Twitter: knowing_helps

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1ST AFRICAN AMERICAN WOMAN DIRECTOR OF COUNSELING PHFA HOUSING COUNSELING THOUGHT LEADER You are definitely a “Women of Influence” reading your bio over and over there is no denying that at all. How does Terri spend her days when she is not Counseling her community?

am the product of the baby boomer generation, and I am an only child. So, I have been blessed and privilege with taking care of my mother, who finally came to live with me about 2 years ago, after assisting with her personal care and household affairs for 10 years while she lived in her own home 2 hours away. She will be 101 years old in October. So, between work and homelife responsibilities there is little time to spare for me. I like to relax at home when time permits, watch a movie, a documentary or a drama series that is supportive of our black and brown actors and/or culture, play golf, travel although not lately due to COVID and spend quality time with my family and close friends. I attend church regularly, where I serve as a trustee and choir member.

How can we support you? main source of wealth generation is still through homeownership. Encourage the people you know in your family to educate themselves about the home buying process before there ready to purchase a home. The home purchasing process is complicated, and it’s the most important investment the average person will ever make to support their family. Understanding the terms and conditions, the mortgage process, who the players are, the role that credit plays and improving your financial capacity, before, during and after you purchase a home will help you have a successful homeownership experience and help you establish and achieve other financial goals. If by chance, you experience unexpected challenges and financial shortcomings in your lifetime you will understand how to access the resources to help you sustain and remain in your home. A local HUD approved housing counseling agency can provide you with the help you need regardless of your income. Go to HUD’s website for assistance at https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm and find a certified housing counselor near you!

THE

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Terri w State Senator Anthony Williams

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Empowerment MUST ATTEND EVENTS

THE POWER OF WOMEN

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