Acumen Business Pages ~ Edition 11 ~ February 2013

GINGER

Health Benefits of

10

INSIDE THIS EDITION BUSINESS ADVICE & TIPS

ARTICLES & RESOURCES

BUSINESS ADVERTS

CHURCH ADVERTS

EVENTS ADVERTS

“Promoting excellence in business & ministry”Promoting excellence in business & ministry”Promoting excellence in business & ministry” ACUMEN BUSINESS PAGES Christian Business & TradeChristian Business & TradeChristian Business & Trade ACUMENACUMEN Edition 11 February 2013

In Print & Online

BWN Nikisha Jones - Pate President - Black Women Networking

a Vitamin OR

Is your business

a Pill?

Faces Adedoyin Animashaun Koyi & Headgears

www.acumenbusinessmag.com

Interview with

BLACK WOMEN

NETWORKING

the Anatomy of Do YOU Understand

The credit score?

YOU! want

Make your clients

Money! a lot of

How to get YOUR BUSINESS

To make

Meet Music Artist:

Wumi Abe

FREE

3 www.acumenbusinessmag.com Acumen Business Pages Edi on 11 February 2013

Acumen Business Pages is a free monthly

print and online digital e mag published by

MyFaithTVNetwork Interna onal .Inc.,

ACUMEN—Chris an Business & Trade

Magazine –ACUMEN BUSINESS PAGES is

an online digital and also print publica on

published quarterly by MyFaithTVNetwork

Interna onal .Inc.,

Adverts and Comments made by the

contributors are not necessarily the views

of MyFaithTV Network. Interna onal Inc.

or it’s personnel.

Le ers & tes monies from readers are

welcome. Requests for permission to reprint

any por on should be directed to

[email protected]

Acumen Business Pages

Edi on 11 February 2013

Copyright 2013 All rights reserved.

MyFaithTVNetwork Interna onal .Inc

CEO/Finance Director

Olu Fashina ( Deacon)

MD/Opera ons Director

Abiola Fashina( Evangelist) Editor‐in‐chief

Graphic Designers

Abiola Fashina (Evangelist)

Bijoubel Young Tosin Fashina

Public Rela ons

Dr Stanley Jean Felicia Olatunji

Sales/Marke ng

Pedro Diaz Yessica Jean Margie Randal

Sarah Simmons Vivian Bell Timi Adepoju

Business Pages Columnists:

Abiola Fashina — Evangelist

Adolfo Molina Dr.

Amos Johnson Dr.

Dali Josipovic

Darshaun Kendrick

Nina Otuka‐Ijere

Oma Edoja

Tarra Jackson

Publisher:

MYFAITHTVNETWORK. INT’L INC

P.O Box 492414

Lawrenceville GA 30049

T: 678‐667‐1550

[email protected]

www.myfaiththtvnetwork.com

ACUMEN BUSINESS PAGES

Editor’s Notes

And I will give thee the treasu

res of darkness, and hidden ri

ches of

secret places, that thou mayest know tha

t I, the Lord, which

call thee by thy name, am the God of Isra

el. Isaiah 45:3

Getting the Hidden Riches! The year has started to race again. It was just like yesterday we said “Happy New year” and we are now in the second month of the year. This is the time for you to make up your mind to get the hidden riches in secret places for yourself and for your business.

Get into your secret place and begin to ask God to show you how to get the hidden riches with your business; Open your eyes to divine strategies; Give you business ideas and witty inventions. Ask for desti-ny helpers and divine connections to the people that matter who are in the positions to help you .

You have been specially packaged to succeed so give it your best this new month of February 2013.

Remain Blessed

Evang.Bibi Fashina

Evang Bibi Fashina

LETTERS FEEDBACK

I love your magazine and I think you are doing a good job.

Can you please include a fashion and beauty sec on?

Diana A. — Atlanta GA

A: Thank you for the request .We will take up the sugges on and

look for guest writers to write informa vely and with experience in

this sec on and include a sec on in our upcoming edi ons.

I went to some Kroger and QT stores in DeKalb and Cobb coun es to look for a

print copy of your magazine to pick up but could not find and was very

disappointed. How can I get a print copy of your magazine for my office and also for

my church recep on? Ronald C. – Powder Springs GA

A:We currently have over 20 whole foods stores ,African & interna onal food stores,

restaurants and offices that carry the print magazine all over Atlanta but Acumen Business

Pages print copy is not yet in Kroger and QT sta ons in DeKalb and Cobb coun es. You can

find them in Gwinnet county loca ons .This is where we have to date had the larger

amount of adver sement and requests. As soon as we begin to get requests for adver se-

ments at these other loca ons we shall expand our distribu on to those areas. For now

you can go to the Business Pages page on our website and order for a print copy to be

mailed to you/your church. The magazine is free but you will have to pay $3.00 S& H.

www.facebook.com/acumenbusinessmag

4

14 AMOS JOHNSON

How to get your

business to make money

DARSHUN

KENDRICK LEGAL LIFE

LESSONS

www.acumenbusinessmag.com Acumen Business Pages Edi on 11 February 2013

TARRA JACKSON MADAM MONEY

PAGES

EDITORS WELCOME NOTE PG 3

LETTERS/FEEDBACK PG 3

ACUMEN MAGAZINE PURCHASE INFO PG 23

FEATURED BOOK PG 20

2013 ADVERTISEMENT RATES PG 12

HEALTHY LIVING PG 17

MEET CHANDRA JORDAN PG 21

MEET WUMI ABE PG 26

CHURCH LISTING BACK PAGE

STORYCoverPage

Jones—Pate Nikisha

YOU! want

Make your clients CONTENTS


The credit score?

Interview with Faces &

A SALUTE TO

B.W.N. (BLACK WOMEN

NETWORKING)

a Vitamin OR

Is your business

a Pill?

Headgears

You are invited to join us every day of this life changing

conference.


ACUMEN ; (ˈækjʊˌmɛn,əˈkjuːmən)

WHAT DOES OUR NAME

MEAN?

The word is a Latin word from the 1530s which means "a point, sting," hence "sharpness, shrewdness," from acuere "to sharpen" .

ACUMEN is the ability to judge well; keen discernment; insight

ACUMEN means quickness, accuracy, and keenness of judgment or insight.

BUSINESS ACUMEN is keen-ness and quickness in under-standing and dealing with a business situation in a man-ner that is likely to lead to a good outcome.

[1] The term "business acumen" can be broken down literally as a composite of its two component words:

Business literacy is defined in SHRM's Business Literacy Glossary as "the knowledge and understanding of the fi-nancial, accounting, market-ing and operational functions of an organization”

[2] The Oxford English Dic-tionary defines acumen as "the ability to make good judgments and quick deci-sions".

[3] Given these textbook definitions, a strictly literal definition would be "keenness

and quickness in under-standing and dealing with a business situation”

http://en.wikipedia.org/wiki/Business_acumen

What Should You Take Away?

What best describes what YOU do for a living? Are you a vitamin (prevent problems) or a pill (solve problems)?

One of the best ways to describe what it is that KLP does it to put it this way: We PREVENT problems as opposed to SOLVING problems, hence why we are vitamins and not pills. (It should also be noted that while we are VERY good lawyers…we are not magicians.

We cannot pull things out of a hat that aren’t there but that’s a side note and I digress)

The distinction between being a VITAMIN vs. a PILL is an important one for a business as it should guide your business strategy and, more importantly, your marketing strategy.

My Story [based on my Firm or other business owners' stories] If you are a VITAMIN (you prevent problems), you can see how it’s differ-ent than marketing yourself as being a problem solver.

It’s almost like being a doctor—-most people don’t do the yearly checkups, eat right, exercise, etc. until a problem aris-es and then they run to the doctor to “fix them.”

It must be human nature to wait for a problem and then seek out someone to

“fix them.” But alas, for most legal problems, by the time you get to litigation, there is no fixing…at least cheaply without wasting time

and lots of money. So KLP focuses on preventing the problem as much as pos-sible in the first place.

Aaahhhhh yes—-we are a Flintstone vitamin. Cherry flavored perhaps?

Now, since KLP is a VITAMIN, we have the extra hard task of convincing you, the business owner that you should invest NOW to save LATER and if the number of Americans that actually have saved for retirement is any indication, this message doesn’t resonate with most people.

So KLP’s marketing has to be witty—crafty—-very persuasive. That’s partial-ly the reason for my “Legal Life Lesson” blogs is because I give real world, practical examples of what we do and the consequences of not taking pre-ventive measures BEFORE you have a problem.

Legal Life Lessons Is your business a vitamin OR

a pill?

www.acumenbusinessmag.com Acumen Business Pages Edi on 11 February 2013 6

Why Kendrick Law Practice?- We SAVE you money by:

Providing access to comprehensive legal AND business advice and consulting, creating value for your company’s invest-

ment in us.

Mission: To provide Georgia business owners with PASSION FOR and ACCESS TO CUSTOMIZED and personal business AND legal services, including docu-ment drafting, document reviewing and negotiating services.

KLP offers comprehensive business and legal advice to small business owners in Georgia with the mission of keeping them "IN business and OUT of Court".

General Information: KLP is authorized to practice law ONLY in the STATE OF GEORGIA. If you or your businesses do not reside in the state of Georgia, you are NOT ENTITLED to rely on KLP's "Business Legal Tips" insofar as they retain to "legal" not "business tips". KLP focuses on the following three main areas of business law: docu-ment drafting, document reviewing and negotiating services)

The “Legal Life Lessons” Series was started by Attorney Kendrick in 2012 as a way to showcase real life legal situations that either she has experienced or those within her networks have experienced. The goal is to move away from boring, white paper style discussions about the law and focus on creating comfortable conversations about real experiences in the life of Georgia business owners.** Mission Statement: To provide Georgia small businesses PASSION for and ACCESS to HIGHLY CUSTOMIZED and PERSONAL busi-ness advice AND legal counseling, including document drafting, docu-ment reviewing and negotiating services.

DISCLAIMER: Kendrick Law Practice and its attorneys are ONLY authorized to practice law in Georgia and NO OTHER territory, state or country and therefore any and all legal advice is only applicable for businesses and individuals that reside and/or located in the State of Georgia. Additionally, please be advised that this communication does not create an attorney-client relationship unless there is a signed or electronically filed retainer agreement on file with the Firm.

Keep in Touch with Kendrick Law Practice: (1) Monthly Enewsletter- Visit http://www.kendricklaw.net (2) Facebook- http://www.facebook.com/kendricklawpractice (3)Twitter- http://www.twitter.com/kendricklaw (4) LinkedIn- http://www.linkedin.com/in/darshunkendrick (5) Blog Discussions- http://www.kendricklaw.wordpress.com (6) Blogtalkradio- http://www.blogtalkradio.com/kendricklawpractice (7) Youtube Channel- http://www.youtube.com/user/KendrickLawPractice1 (8) Google Plus- h p://gplus.to/KendrickLawPrac ce

Attorney Dar’shun

Kendrick,

7

Is your business a vitamin

For example, my “pitch” to prospective clients usually goes something like this at events: Me- “Hello, I’m Dar’shun Kendrick. I own a business law firm that keeps GA small businesses “IN business and OUT of Court” through document drafting, document reviewing and negotiating services.

Since I have an MBA, we provide business counseling and legal advice for all our clients.” (Note it’s short, sweet and includes my mission statement.) Potential Client- “ok. Great.” *Takes my card. “Well hope-fully I won’t need you.” Me-*After a short, nervous giggle because I realize they did-n’t hear or understand the mission statement I just professed. “You need me right now. That’s the point. We are lawyers that keep you OUT of trouble. We are a VITAMIN as op-posed to a PILL.” Potential Client- “oh…I get it. We should talk.” Me- “Yes…yes, we should.”

A few lessons to be learned: Call to action! So if you are a VITAMIN like KLP, here are a few practical lessons to be learned about overall business strategy and marketing yourself as a VITAMIN, which goes against human nature to wait for a PILL:

1. Be clear in your communications WHY the prospect should take you, the vitamin (Ex. Higher costs of court and attorneys, headaches, wasted time in Court, etc.) 2. Provide real life EXAMPLES of you, the vitamin, in action

(Eg My “Legal Life Lessons” or examples from clients, protecting their communications of course) 3. Focus your efforts on those that have already PROVEN they like vitamins over pills (Eg. Most of my speaking engagements have PAID partici-pants; this shows the prospect is willing to INVEST.)

NOW…go forth and BE A VITAMIN—but make sure you’re packaged in such a way that you’re easy to swallow

DISCUSSION QUESTION:

Are you a VITAMIN or a PILL?

Legal Life Lessons OR a pill?


W.N represents (Black

Women Networking ).

The group was set up to celebrate, sup‐

port , and elevate black women in busi‐

ness.

BWN welcomes entrepreneurs, execu‐

ves, leaders, advocates, supporters,

interns, students, professionals, new

beginners and dreamers or whatever

posi on the women want to be.

B.W.N. is all about the Empowerment,

Edifica on and Spiritual Growth of the

Black Entrepreneurial Woman.

To provide the much needed support to

encourage them to take their business to

the next level. To celebrate the women's

successes. No big I's or li le U's.

B.W.N. currently strongly operates as

one from the southern states of Atlanta,

GA and Mobile, AL to other ci es in the

United States all the way to the UK and

in unity they strengthen each other!

BWN was designed to help black

women START and BUILD BUSINESSES

and help exis ng women

entrepreneurs to GROW their

businesses.

Every Thursday BWN holds its weekly

one hour conference call book reading

and empowerment session @ 6PM at

which they read & discuss the principles

in the #1 business selling book ”Think

and Grow rich” by Napoleon hill.

The first half hour of the session is spent

reading the book and the next half hour

is spent discussing the chapter that was

read.

The number to call to join the session is:

218 844 02850 Pin # 988642#.

Anyone can join this call.

Once every month on the third Thursday

from 7pm –9pm the group holds its

monthly mixer where members of the

group and women interested in joining

the group and promo ng themselves and

their businesses a end to network with

other women and get informed and net‐

work to grow their business.

The monthly mixer is held @ Joe's Crab

Shack @ 4300 STN. MTN. HWY

LILBURN,GA 30047

BWN BLACK WOMEN NETWORKING

* Empowerment * Support * Eleva on *Celebra on

Join Us for

Date: Thursday February 21 2013

Location: Joe’s Crab shack 4300 STN. MTN. HWY LILBURN,GA 30047

Time: 7.00pm — 9.00 pm

BWN Our Monthly Mixer for February 2013

Come with a lot of business cards & get ready to take your business to the next level !

* Empowerment * Support * Eleva on * Celebra on

BLACK WOMEN

NETWORKING



BWN BLACK WOMEN

NETWORKING President - Black Women Networking

Nikisha Jones—Pate – is a dynamic wife, mother, entrepreneur (mom‐prenuer),a 2nd genera on hair, beauty and image

consultant. In conjunc on with her husband she operates a 100% Organic gourmet coffee distribu on business which they

currently distribute interna onally in 29 countries world wide and growing. They also advise as Health/Wellness consultants.

“ It is my goal that as we elevate our communi es financially that we enforce the responsibility of taking care of ourselves

bodies mind and soul by making healthier choices.”

Nikisha is a charisma c, mo va onal speaker and astute business entrepreneur.

She is the Founder and President of the BWN. “As a woman I personally celebrate

all women and regard them with the highest respect. Women are very uniquely

designed by God. There are few black women that become successful entrepre -

- neurs because of today's lack of support and informa on, we promote each

other to grow their business as well as expand their customer base”.

BWN was designed with the average black women in mine. The group consists

of professionals, leaders, business owners large and small, poli cal figures

and ladies that are looking for mentorship to become successful

business owners and entrepreneurs. “I started BWN just over

2 years ago from a vision my mother and I had many

years ago it took her passing over 3 years ago for

me to get it done because I thought she would

always be here for us to do it together. “

BWN organizes annual colon cancer benefit

dinners; one in Mobile Alabama and one in

Atlanta Georgia. “I feel so strongly about

this since the loss of my mother– Mary

Ola Jones - Munnerlyn— in 2009 .As a

result I've found purpose and I've

become a advocate against the deadly

disease "Colon Cancer" to which we

have lost so many in our communi es

prematurely to because of lack of

awareness and funds made available. Last

year her birthday Nov.4th I began the annual

benefit dinners in memory of her and to honor

survivors and care givers and give inspira on to the

families who experienced the loss.”

What are BWN goals for 2013?

“We will con nue to empower, support ,elevate and celebrate our

women. We will organize seminars, mixers and educa onal programs

to help them succeed. Finally we will also look into programs to educate

our young teens and school girls about entrepreneurship skills, business

& finances and how to become strong black women in the community.”

Jones ~ Pate Nikisha Meet

* Empowerment * Support * Eleva on * Celebra on

A: Tell us about yourself.

AAK: My name is Mrs. Adedoyin Animas‐

haun‐Koyi, married with two beau ful

sons!

Hailing all the way, straight from Lagos,

Nigeria. CEO of Faces & Headgears and

Garne Events LLC.

In 2007, I looked at the state of my fi‐

nances, my career path and the problems

associated with "corporate America" and

decided to do change my direc on.

However, I was determined to make the‐

se changes ONLY making sure I was doing

what I loved!!!

I decided to start my own business! I had

a certain flair for weddings! You know,

the same old story. Yes, I have been plan‐

ning my own wedding, since I was a li le

girl. So, I capitalized on my natural innate

knowledge of event planning and coordi‐

na ng. I registered Garne Events.

While I was at it, I later discovered my

other talent, looking good.

I came into the "Gele" business; I would

say, by chance or really God's grace! I

started by tying the "Gele" on my own

head! I always tried to make sure it

looked perfect and on point!! Before I

knew it, people where asking me to help

e theirs. Then people started no cing

too and sugges ng, I had be er start

charging a fee. Then one day realized,

I had ed almost every gele at a party.

This made me realize, I could make

money doing this! Before then, I had

heard of my mentor and teacher, Mr.

Segun gele. So, instead of prac cing "trail

by error," I went to him in Houston, TX.

for proper training. I also got training as

a professional make‐up ar st.

A: How did you come up with the name:

"Faces & Headgears".

AKK: I brainstormed with my husband

and mum, we agreed to that name.

A: What fascinated you about head-

gears?

AKK: Have you ever heard the statement,

"A woman's hair is her crowning glory?"

Well in my opinion, the "GELE" would

then be her crowning glory!

Well, as far as "African culture" is con‐

cerned. For some African cultures;

par cularly in mine as a Yoruba woman,

the head e is part of our tradi onal

a re. I strongly believe, if you are going

to e it on your head, then it should be

done appropriately.

Believe me, if you take me to do this you

would be "the crowd stealer and pleaser"

at ANY event.

A:What type of services do you offer?

AKK: I am a make‐up ar st, head e

stylist and an event planner extraordinn‐

naire!!! I cater mostly to brides. I offer

services for every special occasion e.g.

Birthdays, prom, photo shoots, fashion

shows and surprisingly, everyday looks;

when you just want to be pam‐

pered and look great for that

special day out. I have people

that come from afar with 5 or

more head es. I e them,

they keep them in storage at

home like hats and whisk them

out, ready for use.

I have special tradi onal a re

and jewelry for any special occa‐

sion; and of intricate detail, head es ,

feather fans and other accessories for

sale. I Also, aso‐ebi [large par es] in ALL

forms also available (head es, Ankara,

damask, aso‐oke, guinea brocades, laces

and Georges]

I offer event planning, decor and coordi‐

na ng services for weddings, special occa‐

sions or corporate events e.g. fashion

shows, fundraisers, concerts, fes vals etc.

Every event is unique thus special needs.

Pricing comes as a package along with

your needs. I work with every budget and

everything with me is nego able. Howev‐

er, I charge $10 for every unique head e.

CONTACT ME FOR EVEN THE SMALLEST

QUESTION: 678-524-3798, Friend/like

me on Facebook by my name or

“facesandheadgears”.

[email protected],

garne [email protected]

Website: WWW.LOOKSANDEVENTS.COM

Faces & Headgears


A: Tell us a bit about your events.

AAK: I have hosted several events,

weddings, par es, fashion shows and

photo shoots. You can view my pictures

on Facebook and my website. By the

special grace of God, I have had TRE‐

MENDOUS response and support from

my family, friends and repea ng

clientele.

A: What makes you unique?

AAK: I can be separated from everyone

else in this same business because I do

what I love and I am not just interested

in making money. The quality of my

brand is very important! I am constantly

evolving and improving on my talent by

adding more knowledge and services. I

take classes and a end several confer‐

ences to improve my skills as a profes‐

sional. I keep up with vast informa on

daily, about the beauty, fashion and

event industry. “Time is of essence.” My

me and your me are very valuable. I

always strive to do my work in a mely

manner!

A: What influence has your faith had on

your business?

AAK: God is ALWAYS #1. He is the au‐

thor and finisher of my faith! He has

seen me through every storm. Yes, there

are storms. With him ALL things are pos‐

sible. He keeps me going; every li le

drop one day will make a mighty ocean.

A: What mo vates you the most?

AKK: . My family, friends, both in church

and all over; are my “spoke people”.

I value them greatly!! They are mostly

the ones that gave me the first chance to

show my work and put myself out there!

The first wedding, using their faces and

heads for prac ce etc.

Most of my business is based on word of

mouth and referrals, the rest from ad‐

ver sing. My loving husband, I always

call him “my manager”. He is the loudest

voice I have out there! Even when I don’t

feel like being bothered or networking,

he does it for me.

I thank God for all the special people

God has surrounded me with. They keep

me going by constantly reminding me

they are very proud of me.

A: How lucra ve is the head e

business?

AKK: So far this business has been very

lucra ve. There are always ups and

downs. People don’t always want to pay

for this quality of work. However, on the

long run those who appreciate and

understand the stress and cost involved

with my line of work are always willing

and con nue to patronize me.

A: What advice will you give people

interested in star ng this type of ?

AKK: To survive in this business you need

to strive to offer excep onal customer

service always and a handful of pa ence.

A good name is worth more than gold or

silver. People will test your nerves; try to

remain calm in all situa ons. I do have

professional, one‐on‐one and hands on

training available. For people who just

want to learn on a personal level, how to

make themselves look beau ful .Host a

makeup party: gather your friends and I

can give you a few ps. My general ad‐

vice: don’t just get into any line of busi‐

ness because people are “seemingly”

making money from it, find out your real

passion and go for it. In the end, God and

your passion is what keeps you afloat

when the storms rage.

A: Thank you for gran ng us this

interview. What is the next level for

you now?

AKK: Expansion! The next level is

definitely s ll up higher!!! A store front,

the sky is not the limit for me. There is

no limit to where I am going with my

business by God’s grace.

Faces & Headgears


16

The three main credit reporting agen-cies; Equifax, Experian & Transunion, use their own algorithms to calculate credit scores and they each have sev-eral ways to calculate it. Fair Isaac Company also computes and sells credit scores, known as FICO Credit Score, has more than 50 scoring models. This means that there are numerous variations of a credit score. The good news is, based on CFPB’s research found that most of the scores pulled by consumers and other organizations are consistent by at least 75%. Between 20% - 25% of the scores that consumers purchase were moderately different enough to move them into another credit grade that financial institutions use to de-termine what consumers may qualify for loan rates. The remaining 1% - 5% of the consumers’ scores was significantly different.

Note: FICO offers a calculator that lists the range of interest rates of-fered based on FICO score. This of course may differ based on the finan-cial institutions rates offered.

What is not widely known is that there different types of scoring mod-els that are based on the information the financial institution or business wants to analyze. For example, a credit score for a credit report pulled

by an auto dealership may differ from the credit score of a credit report that is pulled by a fi-nancial institution. This is because the auto dealer may mainly want to focus on a consumer’s payment his-tory on auto loans, regardless of the financing company or financial insti-tution. However, the financial institu-tion’s credit score may be based on a consumer’s entire payment history on all trades reporting on the credit re-port. Another familiar type of scoring model is the one used by Utility Com-panies.

Are Consumer Purchased Credit Scores Different from Financial Institution Credit Scores?

“When consumers buy a credit score, they should be aware that a lender may be using a very different score in making a credit decision.” Richard Cordray, director of the Consumer Financial Protection Bureau (CFPB), said in an email statement.

Regardless the scoring model, the fact holds true that if you have good credit, you will have high or good credit scores on them all and if you have “colorful” or bad credit, you will have low or bad credit score on them all.

What important is that you under-stand the “Anatomy of the Credit Score.”

35% is based on your payment history.

30% is based on how much of your available cred-it you've borrowed against.

15% is based on the length of your credit history.

10% is based on the diversity of credit you carry.

10% is based on the number of “hard inquiries” from creditors to qualify you for credit or open an account.

Other types of scoring modes are Bankruptcy Scores and Fraud Shield Scores.

A Bankruptcy Score determines the likely hood of a consumer to file for bankruptcy. Many lenders use it to determine whether or not they will loan you money. A bankruptcy score also may influence the interest rate that you may qualify for on a loan. Bankruptcy Scores are not generally shared with the public. The lower the Bankruptcy Score the better. A Bankruptcy Score of 1 – 100 is ideal. A score of 300 to 900 indicates that you need to improve your credit by paying down debt especially on re-volving lines of credit, like credit cards. A Fraud Shield Score identifies inconsistencies between application information and credit report data. Just as the credit score, the higher the score the better.

If you have low Fraud Score, the lending institution many request or require additional document to verify your identity. Don’t give them a hard time though, it is for your protection.


The credit score?


As with anything, financial and credit knowledge is Key to your Prosperity.

STEP 1:

Understand where you are with your credit.

Pull your credit report to see what is reporting. You are able to get a least one free copy of your credit report from all credit bureaus. Go to AnnualCredit-report.com.

If there are several past due payments or lots of collections reporting, you may want to save your money and work on restor-ing your credit. Try the myFI-CO.com Credit Score Calculator to start.

If all accounts are paid as agreed with no collections re-porting, you may want to invest in purchasing your credit score to see where you are.

Start at FreeCred-itScore.com. The score may be free, but make sure you read the disclosures to ensure that you are not required to sign up for a monthly monitoring service.

STEP 2:

Ask for help. Regardless of whether you need assistance with restoring your

credit or improving your credit to increase your credit score, don’t be afraid to ask for assistance.

Below are a few great options to assist you.

Angie Jenkins, Credit Score Queen-www.CreditScoreQueen.com

National Credit Educational Services www.NCESNow.org

STEP 3:

Assess your spending habits, budget and savings plan.

This is crucial with rebuilding or maintaining your credit.

Feel free to contact me for as-sistance through

My monthly Common Cents Newsletter, My weekday Madam Money Minute Financial & Credit Tip Texts by texting MADAMMONEY to 46786, Registering for a Madam Money Financial Boot Camp,orFor One on One Financial Coaching

Contact me at the information below: Tarra Jackson, Financial Coach Prosperity Now Financial Management Services

[email protected](404) 852-6295

We are all looking for-ward to be-ing a re-source to you towards your Prosperity Now!

Understand The Anatomy of The credit score

Tarra Jackson


Is your solution faster? Easier?

Does it have a proven track record?

Is it structured? Flexible? Mission-centered?

Does it save time/money/effort?

Does it help create more time or money or provide more support?

Does your solution positively impact the en-vironment?

What common experiences do you share with your audience that your competitors may not?

Does this portray you as being better able to understand them than your competitors?

What unique skills or personal characteris-tics do you have?

Is this difference of any value to your prospects and clients?

You must be able to show how your difference could benefit your prospects or someone /something they care about.

18

Here are 2 very important questions that you must be able to answer, to keep on getting steady clients.

You must have a confident and authentic answer for yourself, so you can appreciate the value you deliver.

And you must convey this in all your marketing, so your audience can appreciate the value you deliver.

Here are the 2 important questions:

Why YOU? Why TODAY? Simple but potent!

You must help your prospects to see the unique value in working with you. This must be some-thing they cannot get from your competitors. You must also help them see the benefits of working with you from TODAY, so they are less likely to keep putting the decision off till tomorrow, which may never eventually come!

Here are some questions to help you think of ways to demonstrate

“Why you?”

What is different about what you deliver?

What is different about your personal interaction with your prospects and clients?

YOU! want Make your clients

WHY TODAY? WHY YOU?


Oma Edoja is an author, speaker and Women's Business

Growth Mentor who is passionate about empowering

women! She is the UK's go‐to‐gal for ambi ous women

entrepreneurs who want to get more clients, make more

money and make a bigger impact through their work.

Oma is the author of "The

Essen al Get Clients Guide:

14 Reasons Women Business

Owners Struggle to Get Clients

and How to Avoid Them."

She invites you to download your FREE copy at

www.TheEssen alGetClientsGuide.com

YOU! want Make your clients

WHY TODAY? WHY YOU?

Here are some questions to help you think

of ways to show “Why today?”

Will your prospects save money/make money if they work with you?

Would it be more beneficial to start saving/making this money TODAY?

How much money could they save/make if they start with you today?

How much money could they be losing for every day they are not working with you?

How much time could they save by working with you? (Use their hourly rate to quantify this time savings. Ask what they could do with this spare time/saved money).

How much time could they lose by not working with you? (Quantify this time loss monetarily. Ask what they could do with this saved time).

Who else benefits when they work with you to solve their problem?

What is the impact to this person if they delay the solution?

How would it impact this person if they start the solution TODAY?

Would they receive any kind of bonus if they started with you today?

What/how much could they lose in bonuses if they do not start today?

If your solution brings prestige or makes the prospect feel good, what is the benefit of gaining this prestige or feeling good starting today?

What is the impact of living without this pres-tige/without feeling good for another day?

In your selling conversations be sure to demonstrate to your prospects why you are the best person to help them. Also be sure to show, in terms they appreciate, why it is to their advantage to start today and what they lose for every day that they do not work with you. Quantify this in the ways that matter to them. Not everyone, for instance, wants to save money. Find your prospects’ hot buttons and “press” the-se in your demonstration. This way, you will con-vert more sales, make more money and be able to make a bigger impact!

P.S. Remember to always use your influence with integrity. Remember that as a transparent and honorable entrepreneur, your aim is not to manipulate but to help your prospects get the solutions they need. By showing them “Why you?” and “Why today?” you help your prospects over-come procrastination and invest in a solution that will in some way improve their lives and those of others. Your insights and your feedback are warmly wel-come. Do write in and share!


20

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22

ENTERTAINMENT


6 www.acumenbusinessmag.com Acumen Business Pages Edi on 7 October 2012

WHAT DOES ACUMEN MEAN?

ACUMEN ; (ˈækjʊˌmɛn, əˈkjuːmən)

The word is a Latin word from the 1530s which means "a point, sting," hence "sharpness, shrewd-ness," from acuere "to sharpen" .

ACUMEN is the ability to judge well; keen dis-cernment; insight

ACUMEN means quick-ness, accuracy, and keenness of judgment or insight.

BUSINESS ACUMEN is keenness and quickness in understanding and dealing with a business situation in a manner that is likely to lead to a good outcome.

[1] The term "business acumen" can be broken down literally as a composite of its two component words: Business literacy is defined in SHRM's Business Literacy Glos-sary as "the knowledge and understanding of the financial, account-ing, marketing and operational functions of an organization”

[2] The Oxford English Dictionary defines acumen as "the ability to make good judg-ments and quick deci-sions".

[3] Given these textbook definitions, a strictly literal definition would be "keenness and quick-ness in understanding and dealing with a business situation”

http://n.wikipedia.org/wiki/Business_acumen

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Bishop Tai Kuku

The Faith and Miracle center

37701 Floyd rd Austell GA 30136

Phone: (770) 310‐3539 Email: pastor@chris ansfaith.org

Website: www.chris ansfaith.org

Contact us to include your church here to invite people to worship at your own church.

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Phone: 678‐344‐9290 E mail: [email protected]

Website: www.rccgpeaceassembly.org

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4887C Lawrenceville Highway ,Tucker GA 30084

Phone: (770) 909 5000 Email: [email protected]

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SERVICE TIMES Sun: 11.00 am Worship Service

Tues: 7.00 pm Bible study

Fri : 7.00 pm Prayer Mee ng

Apostle Abraham Success Bala

Apostolic Triumphant Church Interna onal

4896 North Royal Atlanta Drive, Suite 301

Tucker, GA 30084 Phone (770) 912‐4141

E mail: atciiatga.comcast.net

Website: www.atcisuccess.com

Pastor Zaccheus Oloba

Christ Apostolic Church- Vineyard of Comfort

1309 Stephenson rd., Lithonia GA 30058

Phone: (404) 957 1255 Email: [email protected]

Website: www.cacvocatlanta.org


Wed: 7.00 pm Bible study



Thurs 7.30 pm Prayer school


Wed: 7.30 pm Deliverance

Fri: 7.30 pm Covenant service



2nd Fri : 10 pm Prayer Mee ng









Bishop Henry Adekogbe

PowerPoint Interna onal Ministries

561 Thornton Rd., Suite Q, Lithia Springs, GA 30122, USA

Phone: (770)380‐8414 E mail: [email protected]

Website: www.mypowerpoint.org

Pastor Bernados Rios

Ministerio Mana

5150 Jimmy Carter Blvd Norcross GA 30093

Phone: (678) 914‐5428 E mail: [email protected]

Website: www.ministeriomana.com

Rev. Dr. Frank Ofosu - Appiah

All Na ons Church 5511 Williams rd. Norcross GA 30093

Phone: (770) 923‐8383 E mail: contactus@allna onsusa.com

Website: www.allna onsusa.com

Acumen Business Pages ~ Edition 11 ~ February 2013

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