Acumen Business Pages Edition 13 April 2013

Never, EVER STOP LEARNING!

Church Women 2013

Suits

The Anointing for Do YOU have

BUSINESS SUCCESS?

www.acumenbusinessmag.com

ACUMEN BUSINESS PAGESACUMEN BUSINESS PAGESACUMEN BUSINESS PAGES

Edition 13 April 2013 Promoting excellence in business & ministry”Promoting excellence in business & ministry”Promoting excellence in business & ministry”

Christian Business & TradeChristian Business & TradeChristian Business & Trade ACUMENACUMENACUMENACUMENACUMENACUMENACUMENACUMEN

Referrals Great 4 Steps to

FREE

COCONUT Health Benefits of

Learn about the

WATER

A GOOD

FINANCIAL RISK?

ARE YOU

Meet

DARE DAVID

4

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 13 APRIL 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.

Belinda Mays

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

APRIL 2103 APRIL 2103 APRIL 2103 APRIL 2103

After 12 months experiencing God’s faithfulness in coordinating this

monthly magazine the only words I can share are “Trust and obey’

When you do not know what to do in any given situation just trust God

and believe that he is behind the scenes working it all out for your good.

So this month as you rejoice with us our prayer is that we will also rejoice

with you on your business breakthrough this month.

Just TRUST AND OBEY.

In this month, may you hear clearly the voice of the Lord giving you

directions on which direction to take your business. May grace be released

to you to take your business to the next level as you trust

and obey God.

Have a fruitful and productive month.

Remain Blessed

Evang.Evang.Evang.Evang.Bibi FashinaBibi FashinaBibi FashinaBibi Fashina

Editor’s Notes ”Trust in the Lord with all thine heart; and lean not unto thine own

understanding. In all thy ways acknowledge him, and he shall direct thy paths.”

Proverbs 3:5-6:

Evang Bibi Fashina

www.acumenbusinessmag.com Acumen Business Pages Edi�on 13 April 2013

THANK YOUTHANK YOUTHANK YOUTHANK YOU

APRIL 2012 – MARCH 2013

We want to use this space to say a big thank you to all

our team members, columnists, readers, family, friends,

churches, businesses, individuals and organiza�ons that

have supported our vision in the last 12 months.

May our God -the great rewarder- meet each and every one

of you at your point of need and may he send dream mak-

ers and des�ny helpers to you to help you fulfill your God

given dream.

We look forward to your con�nued

support and prayers in the future.

Thank you once again,

Acumen Team.

5

APRIL 2013APRIL 2013APRIL 2013APRIL 2013

AMOS JOHNSON PGPGPGPG PGPGPGPG6666NEVER

EVER STOP LEARNING

DAR’SHAUN

KENDRICK

20202020

OMA EDOJA PGPGPGPG12121212 4 GREAT

REFERRAL TIPS

DO YOU HAVE THE

ANOINTING FOR

BUSINES SUCCESS?

TARRA JACKSON PGPGPGPG17171717ARE YOU A GOOD

FINANCIAL

RISK?

22222222MEET DARE DAVID PGPGPGPG

COVER STORY

ENTERTAINMENT

STORYSTORYSTORYSTORYCoverPageCoverPageCoverPageCoverPage

14141414PGPGPGPGPastor Phoenicia SibertPastor Phoenicia SibertPastor Phoenicia SibertPastor Phoenicia Sibert

REBECCA MCCLAIN PGPGPGPG18181818 FEATURED AUTHOR

PROFESIONAL

PROFILE

CONTENTS

EDITORS WELCOME NOTE S PG 4

CONTENTS PAGE PG 5

2013 WOMEN CHURCH SUITS PG 8

TIPS FOR FORMAL DRESSING PG 11

ACUMEN MAGAZINE PURCHASE INFO PG 27

FEATURED BOOK – $ix Figure Success PG 18

2013 ADVERTISEMENT RATES PG 10

HEALTH BENEFITS OF COCONUT WATER PG 13

CHURCH LISTINGS BACK PAGE


ACUMEN ;

(ˈ̍̍̍ækjʊ ˌ̩̩̩mɛn,ə ˈ̍̍̍kjuːːːːmən)

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

Legal Life LessonsLegal Life LessonsLegal Life LessonsLegal Life Lessons

6

PG 7


Introduc�on:

What Should You Take Away?

It’s simple. The take away is NEVER, EVER stop learning.

As a business owner, it’s easy to think we are experts in our

field and that we have reached the pinnacle of our success

or learning abili�es. But NOTHING could be further from the

truth.

I have four (4) degrees and I con�nuously set aside �me

each week to learn something new about either business

or law.

It’s refreshing and it keeps me on the cuHng edge of what’s

going on in my field. As a ma�er of fact, one of KLP’s

corporate values is “con�nuous educa�on” and that is why

we have started to offer training classes for business

organiza�ons and groups.

My Story [based on my Firm or other business owners' stories]

I have served on several non-profit

boards. It is AMAZING how many

non-profit boards (and corporate

boards) do not understand that

there is a LEGAL responsibility

imposed on every Board member,

non-profit or not, under the law.

That’s why I prepared an audio PowerPoint presenta�on to help start the

discussion and guide board members about their legal responsibili�es.

It can be viewed at hHp://www.slideshare.net/kendricklaw/corporate-board-

training and provides a helpful start to training in this area.

KLP does offer in person classes and training that can be found under our

“Business Legal POWER Session & Training” sec�on on our website at

www.kendricklaw.net.

There are also other audio PowerPoint

presenta�ons on a variety of business and

legal topics on our slide share account you

should take a look at to empower yourself

and your organiza�on.


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 investment in us.

Mission: To provide Georgia business owners

with PASSION FOR and ACCESS TO CUSTOMIZED

and personal business AND legal services, including

document 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- hHp://gplus.to/KendrickLawPrac�ce

Attorney

Dar’shun

Kendrick,

7

Legal Life LessonsLegal Life LessonsLegal Life LessonsLegal Life Lessons PG 6

Example of how KLP lives up to its corporate value of

“con�nuous educa�on”:

Here is some examples of what I have heard from Georgia

business owners:

1. We have a “Business Resources” sec�on on our website

with our latest enewsle�er, forms, data, etc. for business

owners at www.kendricklaw.net.

2. We have our audio power point presenta�ons that you

can listen to at your leisure as well as 1 page “White Papers”

on specific legal contract terms at www.slideshare.net.

3. We have our blogs at www.kendricklaw.wordpress.com

that give real world experiences and lessons to be learned as

a business owner.

4. We have a monthly enewsle�er that is filled with GREAT

business ar�cles, business legal �ps, informa�on, and more;

and

5. We give out business informa�on on our social media

pages throughout the day every day. You can find those links

at www.kendricklaw.net as well.

A few lessons to be learned: Call to ac�on!

1. Sign up for our MONTHLY newsleHer AND follow us on

social media that is filled with GREAT informa�on through

our website at www.kendricklaw.net.

2. Give KLP a call at (678) 739-8109 or visit us to sign up for

your FREE 15 minute phone consulta�on or 1-2 hour Busi-

ness Legal POWER Session.

3. Hire Help! If you find that your a�en�on is lacking in an

area, hire us. We conduct training and classes so just give us

a call or go online for more informa�on.



8

GMI 2013

Church Suits Spring & Summer

www.acumenbusinessmag.com To view more designs of women suits go to

& click on the women suits link at boHom of page


9

GMI 2013

Church Suits Spring & Summer

www.acumenbusinessmag.com To view more designs of women suits go to

& click on the women suits link at boHom of page


2013 ACUMEN BUSINESS PAGES

Ladies there is a such statement "less is more" and I know that

you are thinking but we are Chris�an women. Yes ; but we all

can use a li�le help and assistance at �mes. We all come from

different regions of the world we all do not dress alike.

So my advice to ladies when geHng dressed for a formal affair

dinner, ball, banquet etc.is "less is more".

We tend to want to reveal more than necessary to a�ract

a�en�on. We have assets that we find pleasing to the eye of

others. Don't get me wrong there is nothing wrong with show-

ing fashion/sex appeal but just do it in good taste.

To accomplish dressing in good taste we can't

expose it all. We must remember that our bodies

are the temple of the Lord and choose not to bare

too much and to keep most of our bodies under

wraps. Otherwise where is the mystery If you bare

it all out and show all your legs, your cleavage, all

your shoulders and even back. As I said before

always remember "less is more".

My best picks for a formal evening dress will be

either a white V neck long chiffon crystal maxi even-

ing dress. This can be got at a low price of between

$29.99 -$59.99 or a black or deep blue Dianna Paell

Goddess dress with Gold embellishments. This can also be

bought at a surprising low cost of $18.00.Hair should be

styled in a sweep up hair do. Wear silver or rhinestone heels

to finish the exquisite look. Add a very inexpensive double row

of rhinestone bracelet and you are ready to "steal the show"

Please write in for ques�ons and comments and we will post

the response in the next issue.

That is all for now "Steal The Show" w/ Nikisha J Pate

[email protected]

TIPS ON FORMAL DRESSINGS

""""Steal The Show" Steal The Show" Steal The Show" Steal The Show" with Nikisha J Patewith Nikisha J Patewith Nikisha J Patewith Nikisha J Pate

Nikisha J Pate

www.acumenbusinessmag.com Acumen Business Pages Edi�on 13 April 2013 11

STEPS TOSTEPS TOSTEPS TOSTEPS TO GREAT REFERRALSGREAT REFERRALSGREAT REFERRALSGREAT REFERRALS!!!!

12

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

TheEssen�alGetClientsGuide.com

One great way to get new business is through referrals.

When others give their endorsement and recogni�on of our

abili�es it oVen takes very li�le to move a prospect to

become a buyer. Whether we are aware of it or not, we tend

to value the opinion of others. This is why we look up

tes�monials and product recommenda�ons and why we tap

into our networks before making a purchase. I find that my

referrals are oVen not bothered about my prices. They have

heard “a good word” from someone else and are here for

their piece of the ac�on!

So, are you geHng business through referrals? Or more

importantly, are you making referrals happen? If this is such

a great way to get new business, it does stand to reason that

we should help the process along. I teach my clients to make

proac�ve referral genera�on a vital part of their marke�ng.

Here are 4 ways to make your referrals happen:

1.Do a great job!

Of course, this is a no-brainer! Make sure to ask your clients

the outcomes they want to achieve. Then you can proceed

to meet and exceed their expecta�ons. And when this

happens they will tell others!

Ask for feedback periodically; do

not wait �ll the end of the project.

This way, you show that you care,

and can get back on track if you

are missing the mark.

2.Ask for referrals

Ask for referrals and make it easy to give them! At the point

when the customer is expressing their sa�sfac�on ask if they

know anyone else who could do with such great service.

Provide the customer with something tangible to pass along,

such as a newsle�er, free sample, a URL or a link to a video.

Keep your referral

sources updated with

your news and success.

This is a non-sales way

to remind them that

you are s�ll here!

3.Seek and cultivate

referral partners.

As you network for business be

on the lookout for others who

serve your target market but

are not in direct compe��on.

Invite them to cross-promote with you and send each other

business. Be sure to send them referrals, promote them on

your blog or newsle�er and pass on their flyers or business

cards. Then track your referrals to see which partners are

keeping their end of the deal. And you know what to do

with those who are not!

4.Give incentives.

Make it a win-win situa�on for people to send you referrals.

What can you give to show your apprecia�on? A free �cket

to your event? A complimentary consulta�on? A chapter of

your book? A free subscrip�on to a paid product or service?

Even happy clients can get busy and forget to pass on your

details. Make it easy for them to remember with an

incen�ve!

Remember that what goes around comes around; give great

value and receive great referrals. Give others business and

they will reciprocate. If you make it a priority to provide

good value and proac�vely seek referrals you will build a

very viable source of new business – referrals!

Do write in and share your insights and your feedback is

warmly welcome.


13

1. The best thing about this beverage is that it

contains Zero Cholesterol. It contains minerals like Calcium, Manganese, İron, Zinc,

Magnesium, Phosphorus, Sodium and Potassium. It also con-

tains vitamins like Riboflavin, Thiamine and Vitamin C . All

these nutrients make coconut a very potent health drink. It is

more nutritious than milk, as it has less fats and no Cholesterol

2. Research studies suggest that Cytokinins (e.g., kinetin and

trans-zeatin) in coconut water showed significant Anti-

Carcinogenic and Anti-Thrombotic and Anti-Ageing Effects

3. It is used as intravenous saline fluid in many

developing countries and has saved many lives. The reason

that it's possible to be used that way is its composition, which

is quite identical to Human Blood Plasma

4. Coconut water, by its very nature is an İsotonic

Beverage. That is, it has the perfect balance of electrolytes

in it, which is good for our body due to its right PH Levels

5. It is an excellent Energy Drink for the old and the

sick, who find it difficult to process solid food. It is a Natural

Fluid designed to Sustain Life

6. It is better than many processed baby milk products, as it contains Lauric Acid which is an important

ingredient of Mother's Milk. This natural beverage can

effectively treat Disturbance of the İntestine in İnfants

7. Anti-Ulcer Properties: Both coconut milk and coconut water exhibit potent anti-

ulcer activity against chemicals such as indomethacin, a

Non-Steroidal Anti-Inflammato ry Drug (NSAID)

8. Blood-Pressure Lowering Properties:

When human subjects consumed coconut water for two

weeks, it was found to lower blood pressure in 74% of the

experimental group, reducing it by up to 24 points (mmHg)

systolic and 15 points (mmHq) diastolic

9. Anti-Alzheimer’ s Properties: in an animal model of ovariectomy-ind uced menopausal

changes, coconut water appeared to prevent the decline of

brain estrogen (estradiol) levels, as well as the associated ac-

cumulation of Alzheimer’s disease associated β-amyloid (Aβ)

plaque in their brains

10. Anti-Bacterial Properties: Three novel antimicrobial peptides have been identified in

coconut water which exhibited inhibitory activity against

both Gram-positive and Gram-negative bacteria

11. Anti-Gastroente ritis Agent: When sodium is added (ideally sea salt) coconut water has

been determined to be an ideal rehydrating agent in countries

where medical supplies are not freely available, and where,

say, cholera and other severe forms of gastroenteritis persist

12. Ultimately, coconut makes for an excellent

alternative to Sports Drinks, which are increasingly

comprised of synthetic ingredients

13. Its water is also a very good source of B-

Complex Vitamins such asRiboflavin, Niacin, Thiamin,

Pyridoxine, and Folates. These vitamins are essential in the

sense that body requires them from external sources to re-

plenish

NOTE: IF you buy Coconut water, please look at the

ingredients ... should be 100% pure coconut water... …

nothing else ... no sugar, not anything else.

Health benefits of Coconut water


14

INNOVATIVE…TRENDY…BOLD…ANOINTED….RELEVANT

all are the right words used to describe Pastor Phoenicia Sibert.

Phoenicia Gearing was born May 9, 1984 in Atlanta, Georgia.

She is the daughter of Bishop C.D. Gearing Jr. and Dr. Andrea

L. Gearing. She experienced early on the anxiety of being

a PK (preacher’s kid). The internal struggle of finding

“who she was” became an arduous task.

In 2002 Phoenicia graduated from Chattahoochee

High School in Alpharetta, GA. Upon graduation

she continued to serve in her father’s ministry at

Zion Full Gospel World Ministries, Doraville, GA.

She continued to battle with her inner self,

identifying the call to greatness. Far from perfect,

she inexplicably maintained her “Bishop’s

Daughter” image in the church.

In the summer of 2007 after several

nights of partying in Miami, Florida

she found herself depleted.

It was there in Miami

she placed the call to

her mother back in

Atlanta. In that instance Phoenicia surrendered to

the Will of God for her life, and she accepted her

call into the ministry.

On August 16, 2008 she was united in holy matrimony

with Marvin G. Sibert Jr., and became Mrs. Phoenicia

Sibert. They have two children, J’Saun and Quintin Sibert.

Phoenicia was licensed to

preach by her biological father,

Bishop C.D. Gearing, Jr. in

February of 2008, and was

ordained as Assistant

Pastor of Zion Full Gospel

World Ministries in October of 2008.

Pastor Sibert has developed a style of

teaching and preaching that is innovative, yet trendy,

strong, powerful, bold, and truthful. She often refers to this

style as “Snatching back by force!” As a result, in the summer

of 2012 Pastor Sibert founded SnatchBack Ministries Interna-

tional. SnatchBack is her personalized ministry which she pro-

claims as the snatching back of the generation called X.

Her desire is to snatch back God’s children by force from the Physical World, while progressing

their lives in the Spiritual World of our Lord Jesus Christ. Pastor Sibert is not afraid to preach, teach,

or “SnatchBack” the lost souls of the world for the edification of God’s Kingdom..

No more Generation X, but a Generation Resurrect!!!

Meet Pastor Phoenicia Sibert


15

Pastor Phoenicia Sibert with Ms Babbie

Mason of Babbie’s House at WATL 57

Interview with Pastor Phoenicia Sibert

Getting To Know SBM

SBM is SnatchBack Ministries International

What Is The Mission of SBM? Launching into the deep with the life changing message of Jesus Christ, while snatching back

that which the enemy has deceivingly stole!

What Is Your Vision For SBM? For SBM to empower our youth, young adults, and this generation that has been described

as “Generation X” through the teaching, preaching, ministering, counseling of the Word of God. To create a safe haven for this

generation that they may be able to receive truthful teaching, life skills, and correct application of the Word of God. It is my

vision to snatch back God’s children from the physical world, while progressing their lives in the spiritual world of our Lord

Jesus Christ. To snatch back everything that the devil has stole with necessary force. It is my total vision to no longer allow it

to be ok to refer to this generation as “Generation X” or the lost generation.

What Was Your Purpose For Establishing SBM? I believe that God has birthed in me a unique revitalizing way of preaching

and teaching the Gospel. Through this style I am able to reach all generations of the world. I have established SBM for the sole

purpose of using my ability as a warrior for Christ, a preacher, teacher, pastor, mother, and a wife to snatch back all that the

enemy have deceptively stole from us. I just believe what Jesus declares in Matthew 11:12, And from the days of John the

Baptist until now the kingdom of heaven suffereth violence, and the violent take it by force.

What’s Up Next For SBM? SBM is launching its new website. We are starting our new

online campaign through social media. My, do we have an awesome street team! We are

excited as we prepare to host our first annual SnatchBack Conference. Very soon we will

launch the all new SnatchBack App that will be available on the Android/Apple Market.

We will continue to effectively relay the message, purpose, and mission of SBM through

every open avenue that God provides.

Phoenicia Sibert, Founder & CEO

SnatchBack Ministries International

1595 Peachtree Parkway Ste. 204-102 Cumming GA 30041

Tel: 678.837.5445 (O)

Website: www.snatchbackmin.org

Facebook: SnatchBack Ministries International

Twitter:@SnatchBackMin

For Bookings: Keyun Moon

Company: Ke’Roe Inc. Tel: 678.308.8269 ( D.L) Email: [email protected]

Pastor Phoenicia Sibert

relaxing in her office

Pastor Phoenicia Sibert with Evang Bibi

Fashina at MyFaithTVNetwork studios.


Tarra Jackson

17

What a credit score really indicates is whether you are

deemed a good financial risk, based on your history of paying

bills. If you’re trying to get a home loan, a car, insurance for

that home or car or just get the electricity turned on, the most

influen�al factor in making it happen is probably going to be

your credit score.

“If you’re irresponsible about paying your bills, the general

feeling is you’re likely going to be irresponsible about how

you drive or when you pay your mortgage,” said Dave Viola,

an insurance broker in the same city. “You s�ll might get some

insurance with a bad credit score, but you’d be flabbergasted

by the rates.”

Representa�ves from banks, insurance companies, car dealers

and property owners confirmed that credit scores do affect

the terms and condi�ons of any agreement they make with a

consumer. In most cases, the higher the credit score, the

lower the monthly payment. And if the consumer’s credit

score is at the low end of the scale, some companies won’t

do business with them at all.

Credit Score Range

The lines of demarca�on in credit scores, also known as FICO

scores, range from 300 at the low end to 850 at the high end.

The median FICO score is 723, meaning half of people with

credit scores are below 723 and half are above.

The FICO scores are compiled by three companies:

TransUnion, Experian and Equifax. Each one claims to use a

different formula in arriving at their score, but generally

speaking it’s computed like this:

Payment history (35%);

amount owed and credit

available (30%); credit

history (15%); new credit

(10%); and type of credit

used (10%).

It would be wise to note what doesn’t

affect your credit score, namely how

much money you make, age, sex, race,

religion, marital status and where you

live.

The problem for most people is that

they don’t know their credit score and

haven’t reviewed their credit report.

Consumers are en�tled to a free credit report every 12

months, one each from TransUnion, Experian and Equifax.

The free report is available at annualcreditreport.com, but

credit scores are not included. The Consumer Financial Pro-

tec�on Bureau es�mates that only 20 percent of consumers

request their free credit report.

If you receive your credit report and aren’t sa�sfied with

what you see, there are some steps you can take to improve

your credit history:

Check the accuracy of the report. Incorrect informa�on is

the leading cause of consumer complaints about their credit

history. Remember, all three companies that issue reports

use different data, so get a free one from each company and

check all data.

Pay your bills on �me. This is especially significant with

credit cards and bank loans. Set up a bill payment reminder

system, if necessary.

Pay down the balances on credit cards. Do not open a new

credit card account unless absolutely necessary.

Maintain a good mix of credit (mortgage, car loan and credit

cards). Having a good credit score can mean hundreds or

even thousands of dollars’ worth of difference in what you

pay for a loan or insurance coverage. You can go online to

see examples of the rela�onship between your credit score

and the interest rate charged on your loan.

In today’s �ght lending market, consumers need to be at the

high end of the spectrum to receive favorable treatment for

loans or insurance.

A GOOD

FINANCIAL RISK?

ARE YOU

Excerpts from ar�cle by Bill Fay

www.debt.org


WHAT IS UP YOUR CREDIT SCORE?

Feel free to contact me for assistance

Contact me at the informa�on below:

Tarra Jackson,

Financial Coach

Prosperity Now

Financial Management Services

[email protected]

(404) 852-6295

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Manifest Your God-given Poten�al:

The Stewardship of Life

( Biblical inspira�on version)

Manifest Your God-given Poten�al is a

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ering the valuable treasure they have

within. Rebecca McClain gives meaning to

the some�mes-painful process God takes

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understanding of how to use the keys of faith, hope and

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Redesign Your Reality:

How to Transform Your Life From

Surviving to Thriving

Redesign Your Reality is a life-changing

book. Presen�ng her blueprint for change

as a four-stage process, Rebecca inspires

and equips you to take charge of your life

and create the future you truly desire. In

walking you through each stage – from

laying a firm founda�on to fulfilling your dreams – Rebecca

provides thought-provoking ques�ons and reflec�ve exercis-

es. These tools help you manage life’s transi�ons, explore

possibili�es, and unleash poten�al.

Price $18.95 Format: SoVcover

On the Road to Freedom: Journey to

Becoming Debt Free

(Biblical inspira�on version)

On The Road To Freedom is a comprehen-

sive resource guide that steers the reader

through the process of elimina�ng debt.

Rebecca shares her years of struggling with

debt, which eventually led her to seek pro-

fessional help. By sharing her own story, she hopes to en-

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Price $13.95 Format: SoVcover


PROFESSIONAL PROFILE: REBECCA McCLAIN, MBA,PCC

Meet Rebecca McClain,MBA,PCC Execu�ve and Business Coach | Speaker | Trainer | Author

"My mission is to help entrepreneurs, coaches, consultants,

experts and service professionals bundle up your gi/s,

talents, wisdom, experiences into a business model that

gives you the freedom to be true to yourself in a big way,

to contribute to others in meaning ways, and to prosper

and to profit as an outcome of the difference you make.

My purpose is to raise the bar of your own expecta2ons

beyond what you may see possible at the moment, and to

help you take big, bold ac2on once those possibili2es have

been revealed."

♦ Cer�fied Execu�ve and Business Coach

♦ Founder of The Ul�mate Business Ins�tute

♦ Speaker: Keynotes, Workshops, Seminars,

Facilitator & Panelist

♦ Author of 4 books

Recipient of several awards including:

♦ Business Superstar Trailblazer

♦ First Lady of the Year Business Leader

♦ Who's Who in Atlanta

♦ BS degree in Business Administra�on

♦ MBA in Accoun�ng & Taxa�on

Rebecca is an experienced and cer�fied coach, author and

speaker with a strong business background, and a history

of helping clients create great results.

She is sought aVer by Entrepreneurs, Coaches and Experts

who want to create the Ul�mate Business with “More Clients,

More Profit, and More Freedom” in their work/life mix.

She is also the founder of the Ul�mate Business Ins�tute,

an accelerated training curriculum for Entrepreneurs to

rapidly develop and grow highly profitable businesses.

Websites:

Mailing Address:

RM Enterprises

950 Eagles Landing Parkway, Suite 166

Stockbridge, GA 30281

Office Phone Number: 678.289.0148 (M-F 9am - 5pm E.T.)

Office Fax Number: 678.289.9388

Send E-mail to Rebecca McClain:

[email protected]

Social Media Connec�ons:

LinkedIn: rebeccamcclain

TwiHer: @rebecca_mcclain

Facebook: RebeccaMcClainBiz

www.rebecca-mcclain.com

www.Ul�mateBusinessIns�tute.com

20

Amos Johnson Jr, PhD helps

Chris�ans develop their God-

inspired business because he

strongly believes that financial

prosperity comes through faith

in God and star�ng your own

business.

Visit :

hHp://amosjohnsonjr.com

for addi�onal resources to help

you develop your God-inspired

business. Amos Johnson Jr, PhD

The Anointing for Do YOU have

BUSINESS SUCCESS?

The anoin�ng for business success begins aVer

you take your first step of obedience.

For example, when Joshua was leading the Children of Israel

into the promise land, they had to first cross the Jordan River

( Joshua 3:13). Instead of using boats, they were to walk

across on dry land. For this to occur, God has to part the river

as He did with Moses; at the Rea Sea.

God had Joshua direct the priests to carry the ark of the Lord

into the Jordan River. As soon as the soles of the feet of the

priests carrying the ark touched the water, God split the river,

and everyone walked across on dry land.

The power for the river to part was wrapped in the obedience

of Joshua and the Children of Israel.

If they didn’t step into the water first, the river would not

have parted. With your business, if you don’t step out first on

what God has told you to do, then

the power to be successful in

business will not be released.

It is your obedience that releases the

power of God in your life.

Today, examine what rivers God has called you to part in your

business, life, or ministry, and go step in the water.


www.qualitymediaconsultants.com

22

Meet DARE DAVID

D are David is a gospel ar�st, music producer,

sound engineer, and choir/ band director.

He was born and raised in Abeokuta, Nigeria,

and later moved to Lagos, Nigeria.

Dare studied music in OAU Ife in Nigeria and proceeded to

study media technology in SAE ins�tute, Malaysia.

He was influenced by a lot of great musicians in Nigeria, such

as Soji Israel, Sammy Okposo, Kunle Pinmiloye (kays�cks) and

also interna�onal gospel ar�sts such as, Donnie McClurkin

and Marvin Sapp.

Dare was the Praise worship leader and music director at the

following branches of The Redeemed Chris�an Church of God

(RCCG) - Court of His Majesty in Ipaja Lagos, Nigeria,

RCCG - Covenant House in Victoria Island, Lagos, and RCCG -

Power House, Kuala Lumpur, Malaysia.

Dare launched his debut album �tled "U BE GOD" in Nov

2009

He is currently promo�ng his second album that is making

waves all around the world �tled "DO ME WELL"

Dare has worked with and produced many ar�st such as

Kenny Kore from the group Infinity, Dafidi (Malaysia) Soji

Isreal (BaBa ye).

In 2011 he won the GAMA (Global African Music Award)

for the Best Song of the Year . He was also nominated for the

Best Producer and Best Gospel Song at the AEA (African

Entertainment Awards) in Malaysia.


23

Meet DARE DAVID

HethrilledthecrowdatthelastRCCGNorthAmericaconventionwhen

heministeredhishitsong"DOMEWELL"thatgotthewifeoftheGeneral

Overseerfondlycalled“MummyG.O”andmanyotherministersdancingto

thegloryofGod.

HeministeredattheSonnieBadu'sconcertinHoustonJuly2012

DareDavidalsoministeredatthe70thbirthdaycelebrationofTheGeneral

Overseeroftheworlds’largestblackcongregation—PastorEnochA

AdeboyeinDallas,Texas

HeiscurrentlytouringtheUSandleadingpeopletothepresenceofGod

throughmusic

ExperienceDareDavid’[email protected]/daredavid

http://artistecard.com/Dvibes

FACEBOOK:www.facebook.com/daredavid

TWITTER:@dredivad

TOBOOKDAREDAVIDContact:DareDavid

Email:[email protected]


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

WHAT DOES

ACUMEN

MEAN?

ACUMEN ;

( ˈ̍̍̍ækjʊ ˌ̩̩̩mɛn, ə ˈ̍̍̍kjuːːːːmən)

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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YOU ARE INVITED TO WORSHIP AT ANY OF THESE FINE CHURCHES

Pastor Moses Ashun

MY LIFE CHAPEL

725 Scenic Highway Lawrenceville GA 30046

Phone: (678) 856-5433 Email: [email protected]

Website: www.MYLIFECHAPEL.com

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

Bishop Dale Bronner

WORD OF FAITH FAMILY WORSHIP CATHEDRAL

212 Riverside Pkwy Austell, GA 30168

Phone: 770-874-8400 Email: [email protected] Website: www.WOFFAMILY.org

Pastor Monica Pinnock

REHOBOTH CHRISTIAN CHURCH

4141 BancroV Circle Tucker, GA 30084

Phone: 678-698-6211 Email: info@rehobothchris�anchurch.com

Website: www.REHOBOTHCHRISTIANCHURCH.net

SERVICE TIMES

Sun: 8.50am Sunday School

10.30 am Worship Service

Tues: 7.00pm Bible study

Pastor John Lee Garret

SHEPHERD HILL MISSIONARY BAPTIST CHURCH

4300 Snapfinger Woods drive, Rm C, Decatur, Georgia 30035

Phone (770) 912-4141 E mail:[email protected]

Website: www.SHEPHERDMBC1.org

Pastor Benny Momoh

OVERCOMERS CHRISTIAN FELLOWSHIP CHURCH

6751 Rockbridge Rd Stone Mountain, GA 30087-4811

Phone; (770) 465-8687 Email: info@ocfinterna�onal.org

Website: www.ocfinterna�onal.org

SERVICE TIMES

Sun: 7.30 am & 11.00 pm

Worship Service

Thurs : 7.00 pm

SERVICE TIMES

Sun: 2.15 pm Worship Service

Tues: 7.30 pm Prayer school

SERVICE TIMES

Sun: 10.00 am Worship Service

Wed 6.00pm Bible study

SERVICE TIMES


Wed: 7.00 pm Bible study

2nd Fri : 10 pm Prayer Mee2ng

SERVICE TIMES



SERVICE TIMES



Fri : 7.00 pm Prayer Mee2ng

SERVICE TIMES



Fri : 12.00 -3.00 pm Night Vigil

Pastor Calvin McCoy

HOPE FOR DELIVERANCE CHURCH

2520 Park central Blvd— Suite D2 Decatur Ga 30035

Phone:(678) 568-3124 Email: [email protected]

Website: www.HFTDC.com

Pastor Bunmi Owolabi

KINGDOM EMBASSY CHURCH

4798 Austell Rd., Austell, GA. 30106

Phone: ( 770) 745.6173 E mail: [email protected]

Website: www.KINGDOMEMBASSYCHURCH.org

Pastor Joshua Daramola

CHECH HOUSE OF JOSEPH

629 Airport Road, Suite H Lawrenceville, Georgia 30046

Phone: (404) 826-1874 E mail: [email protected]

Website: www.CHECHOUSEOFJOSEPH.com


Acumen Business Pages Edition 13 April 2013

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Transcript of Acumen Business Pages Edition 13 April 2013