SOWBO Magazine 2nd Edition

Page

Editors Corner
Tonya?s Talk-Determined to Succeed
Readers?Comments & Questions
Financial Facts
Three-Legged Stool
Disability Insurance
Trailblazers in Business
Featured Story
The Barbershop Talk
Supporting His Queen
Healthy Her
Own Your Different
Healthy Heart
Author?s Spotlight
FEATURED STORY
Ursule Martin
Divine Helping Hands
Transitioning for Change
Changing Relationships
Business Beauty
Events
Fashion Beauty & Tips
Business Directory
Edit or-in- Chief Tonya D. Lat ney
Graph Designer Andrea Smith, SAS Web & Graphic Design
Editorial Assistant - Tammy Keitt
Photographer Cover - Danielle Bodony-Lapresa
Cont ribut ing Writ ers
Ursule Martin, Colena Brown, Karen Southhall-Watts, Andrea Smith,
Florence Norville-Cheek, Stephen H. Goldstein, Ty Hodges
GETTING CONNECTED
SOWBO Magazine Society of Women Business Owners
Em ails: sowbomag@gmail.com
Websit e: www.societyofwomenbusinessowners.com www.sowbomagazine.org
Telephone: 1-888- 702-7428

From t he Edit or
from the editor
T O N YA
L AT N EY
One afternoon I was having lunch with a friend, and we
were discussing being successful. My friend asked me if I
had experienced trauma as a child. I asked why they were
asking me that. They responded, ?Because people like you,
an overachiever, usually had some type of trauma as a
child.?
?People like me?? I asked. They replied, ?Yes, determined
and driven.?
Later that evening, I pondered our conversation and did
some self-evaluating. I have never viewed myself as
determined and driven, though I have set goals for myself.
But I had to admit that I did have a determined and driven
attitude. And, yes, I did have a traumatic experience as a
child. I was a teenage mother at age fifteen, which was
very traumatizing.
I do not know where my determined mindset came from,
but if I had to take a guess, I would say fear: fear of failure
for myself and my child. I would challenge the expected
outcome for a teenage mother from the projects.
Unintentionally, I turned my trauma into determination. I
was determined that my child and I would succeed and
not be a statistic.
You must have a determined mindset and attitude if you
are going to win at this thing called life and to live your
DETERMINED TO SUCCEED
dreams. No matter how much you feel like you are not
progressing toward your life goals,know that every small
step is a step toward the larger goal.
Watch out for the negative twins, discouragement and
doubt. They are the enemies of a positive mindset.
Replace them with the positive twins, determination and
destiny. Learn to say out loud, daily, ?I will not be
defeated!?
Daily devotions and affirmations are necessary weapons
on your journey to succeed. You have to feed your mind
positive thoughts daily. This will help you stay focused on
this journey.
On the highway to success, you will encounter many
detours, including struggle, loneliness, confusion,
frustration, fatigue, worry, and ?out of gas.? Keep
moving? because if you stop, you will never reach your
destination, ?I made it!?
No matter what, never give up. Be determined to win.
Tonya Lat ney, MS, BSN, RN, CWP
I would love to receive your comments and/or questions.
Email: sowbo12@gmail.com
Twitter: @sowbo12
Instagram: sowbo12
3

Three-Legged Stool
The Ideal Ret irem ent Model?
Florence Norville-Cheek, MBA
4

With people living longer than ever, it?s
important to make sure the money you have set
aside will last the rest of your life. While Social
Security provides a lifetime supply of income, it
may not be enough to support your desired
lifestyle. If you think you?ll need additional
income and do not have a pension, a lifetime
income annuity can be an excellent way to make
up the difference.
Florence Norville-Cheek
Have you ever heard of the ?three-legged stool?
of retirement? If you have, it probably was a
while ago. Once considered the ideal retirement
model, the three-legged stool has fallen out of
favor because one of the legs? defined benefit
pensions? is not as stable as it once was, and
the future of Social Security is often wound up in
political maneuvering in Washington. Consider
the following:
According to the Bureau of Labor Statistics, just
48% of private sector employers offer defined
contribution or defined benefit pension plans,
and only 8% offer traditional defined benefit
plans,1 thereby eliminating a guaranteed source
of lifetime income.
? Social Security benefits replace about 40% of
the average worker?s salary.2 What?s more, the
Social Security trust fund is expected to deplete
its reserves by 2034, and will be able to fund
approximately 75% of benefits after that.3
Fortunately, there are ways to reinforce the third
leg of the stool? retirement savings and other
personal assets? so that you can still enjoy a
long and fulfilling retirement. Here are two
proven funding sources you may want to
consider if you need to compensate for any
shortcomings:
Although the primary purpose of life insurance
is to deliver death benefit protection, many
permanent life policies accumulate cash value. If
your need for protection decreases over time,
you can borrow against this cash value? tax-free
in most cases? and use the money to
supplement your retirement lifestyle. (Loans
against your policy accrue interest and decrease
the death benefit and cash value by the amount
of the outstanding loan and interest.)
While the three-legged stool of retirement may
be a bit wobbly, the good news is that a secure
future is still within reach. The main difference
these days is that you will most likely have to
build it yourself.
Florence Norville-Cheek, MBA Agent /
Regist ered Represent at ive, New York Life
Insurance Company/NYLIFE Securities 555 East
City Avenue, Bala Cynwyd, Suite 800, PA 19004
1 ?Employee Benefits Survey: Retirement
Benefits,? Bureau of Labor Statistics, March
2017.
2 ?Retirement Planner: Learn About Social
Security Programs,? Social Security.
3 ?Status of the Social Security and Medicare
Programs: A Summary of the 2017 Annual
Reports.? U.S. Department of the Treasury.
5

Vanessa Jackson, Owner
The Cheesecake Lady
Telephone: 267.575.3952
Facebook @cheesecakelady.org
Inst agram @philacheesecake
6

Do You Need Disabilit y Insurance?
More than seven out of 10 working Americans believe
that most people need disability insurance, yet only one
out of three actually has disability insurance protection.
1 This disconnect suggests the importance of assessing
your own situation and determining whether you have
appropriate financial backup in the event that you
cannot work due to a disability or injury.
Preparing for an Emergency
Only 63% of U.S. households report having enough
emergency savings to cover unexpected expenses such
as a car repair or medical bill. 2 But even if you do,
consider whether you have enough resources to
weather months or even years of lost income. Statistics
indicate that the average worker has a 30% chance of a
job loss due to a disability lasting 90 days or longer. 3
Your ability to earn an income may be your most
valuable asset. A 35-year- old worker who earns$60,000
a year could potentially lose $300,000 in wages during a
five-year disability and $1.5 million or more if
permanently disabled. Workers with higher salaries not
only stand to lose much more but often have higher
living expenses. How long could you and your family live
comfortably without your income?
STEPHEN H. GOLDSTEIN
7

Port able Personal Coverage
Your employer may offer long-term disability coverage, but you
could lose your subsidized coverage if you change jobs. Even if
you remain covered through your job, group plans typically
don't replace as large a percentage of income as an
individual plan could, and disability benefits from employer-paid
plans are taxable if the premiums were paid by the employer.
An individual disability income policy could help replace a
percentage of your income (up to the policy limits) if you're
unable to work as a result of an illness or injury. Depending on
the policy, benefits may be paid for a specified number of years
or until you reach retirement age. Some policies pay benefits if
you cannot work in your current occupation; others might pay
only if you cannot work in any type of job. If you pay the
premiums yourself, disability benefits are usually free of income
tax. And the policy will stay in force regardless of your
employment situation as long as you pay the premiums.
Social Security might offer some disability protection, but the
$1,171 average monthly benefit would not provide substantial
income replacement for most workers. And qualifying for Social
Security disability benefits can be a long and difficult process ?
about two out of three applications are initially denied. 4
Even if you qualify for employer-based or Social Security
disability benefits, having individual disability coverage in place
could make the difference between being comfortable and living
on the edge. You may be glad you had a backup plan to help
provide for you and your family.
The information is not intended as tax, legal, investment,
or retirement advice or recommendations, and it may not
be relied on for the purpose of avoiding any federal tax
penalties. You are encouraged to seek advice from an
independent professional advisor. The content is derived
from sources believed to be accurate. Neither the
information presented nor any opinion expressed
constitutes a solicitation for the purchase or sale of any
security. This material was written and prepared by
Broadridge Advisor Solutions. © 2017 Broadridge Investor
Communication Solutions, Inc.
St ephen H. Goldst ein
Evolut ion Financial Group
1400 N Providence Rd
Suit e 117
Media, PA 19063
P 610-891- 9700
C 267-273- 5273 - F 610-892- 2900
Goldst ein_St ephen@evolut ionfinancialgroupm ail.com
w w w.evolut ionfinancialgroup.net
1, 3) LIMRA, 2016
2) Consumer Federation of America, 2016
4) Social Security Administration, 2016
8

9

Featured Story
Ursule Martin
Divine Helping Hands
Our local mission in regard of
community education support is to be involved
in the development of the community by
offering free educational classes, workshops
and seminars, partner with local charity
organizations to offer assistance and give away
scholarships to youth to further their
education.
What m ot ivat ed you t o st art your business?
I am Ursule Mart in, I have been living in US for
12 years, Hailed From for West Africa, Republic
of Benin. I started the nonprofit organization
Divine Helping Hands INC, a 501c3 in 2013.
The international mission of this organization is
to support the education of abandoned and
less privileged children in Africa by paying their
school tuition and providing them with school
supplies.
My motivation came from the community
surrounding me when I was living in Africa, I
was privileged from coming from a comfortable
home and I didn't have any difficulties to get to
any level of education I wished. When I came to
the US and settled finally I wanted to give back
to my community. I wanted to give a chance to
the future generation about getting education
in all forms. Like late South African
President Nelson Mandela ?Education is the
most powerful weapon that can be used to
change the world." As far as I am concerned a
child?s mind is an open book and it is all about
what we write in that note book that gets to be
reproduced. Please check out
www.divinehelpinghands.org
10

Discuss som e inform at ion on how you got
st art ed?
I got started by sending money to my mother in
Benin to use it to assist families and children in
depressed situation in our community back
home. One day she stumbled on a case that
connected with saving the life of a young boy
named Ezekiel who was discovered in the forest
after spending 5 days without food and water
and exposed to unsafe conditions. The money I
sent that time was used to save his life by
paying for his medical bills and from then I
started sending money to take care of him
particularly and investing in his education. That
was the birth of this organization. The video is
on the website.
When did you st art your business and
w here?
I started in 2013 and apply for the tax exempt
status in 2015 in Tampa Fl.
Why do you t hink having your ow n business
is im port ant ?
It maybe your life?s calling and I think my
business was my calling.
How do you st ay focused and balanced w it h
your business and everyday life?
I stay focused and balanced by investing in
taking care of myself. I realize that as a decision
maker, therefore the driver of my organization I
have to have great energy. To be able to
produce great, positive and confident energy
and influence people I have to have a healthy
life style. I exercise, eat right and I make sure I
laugh and have fun. My mind, body and spirit
are priorities. In the course of impacting lives
positively through my nonprofit, I have a very
organized and elaborated agenda for every
year. Our website is an online tool to receive
application in order to qualify international
organization to receive assistance from us. The
students also go through an eligibility
requirement system. We have only one annual
fundraiser and committees are designed to
perform particular tasks. This organization
system and team work help me to focus and
balanced my duties as the founder and acting
chairman of this organization.
What is one w ord t hat sum s you up?
I think one word is not enough to sum me up. I
am passionate and I am an executive. I get
things done in an efficient manner. I am a
wealth creator and I love to help people, lift
them up, empower them and bring people
vision into reality.
11

Women protect your Heart. Women on a mission are super busy and at times we do not
take proper care of our vessel. Remember smart business women take care of the mindspirit-
and the body!
Signs & sym pt om s of heart disease:
Unusual fatigue
Shortness of breath
Nausea or dizziness
Habits that could damage your heart
Lack of Sleep
Sitting too long
Too much Alcohol
Stress
Too much salt
Read m ore at :
https://www.everydayhealth.com/heart-health/common- habits-damaging- heart/
https://www.everydayhealth.com/heart-health/five- vital-heart- health-tips- for-women-
3582.aspx
12

13

Supporting His
Q U EEN
14

Barbershop Talk
Coach Ty Hodges
Joy Dallah-Hodges
How do you support your w ife physically and
em ot ionally?
Physically I do whatever is needed to support
her vision from modeling, to carry equipment, to
taking pictures. Emotionally I try to be a
constructive voice on projects but also an ear
when she needs me to just listen.
What m ot ivat ed your w ife t o st art her
business and how did you support her vision?
Photography and videography was always a
passion of hers. With the passing of her mom a
few years back I think it made it her take that
leap of faith and start her business. I am her first
client so she records the girls?basketball games I
coach and takes pictures as needed.
Why do you support her?
I support her because I know what it feels like to
be passionate about something. Seeing her grow
as a photographer, videographer and social
media content producer brings joy to her life in
which she even takes over my desktop at times
to complete projects.
Are t here any challenges being m arried t o a
w om an t hat has an ent repreneur m indset ?
No challenge because as she has her own
entrepreneur mindset, it also helps me to know
as I begin my own ventures, I have her support
and knowledge to assist in my growth.
How do you help your w ife t o st ay focused
and balanced w it h her business and her
everyday life?
I always have something I need her to work on
(smiling). Whether it is the videography piece of
producing the video portion of my HoopsCircle
Podcast or taking pictures of my players during
their high school season. I am always bouncing
some ideas off her as ways to expand the
business or I listen and advise on her ideas.
How w ould you describe your w ife?
Hardworking, dedicated, passionate, supportive
and caring.
Coach
Ty Hodges
646-305-9414
Tw it t er/ Inst agram @IAMCOACHTY
15

16

Author's Spotlight
Diana Jenkins, Author
Hello, out t here brave world!
My name is Anad? a pen name? and this is how I came to be.
If asked, I can say that my journey to writing began long before I
knew what a writer was. My mother gave me books of all types as a
child, some of which I still have.vI?ve been reading for as long as I can
remember and I guess I made an unconscious decision when I was
eleven that I was going to create fantastic stories like the ones I was
reading. I asked for a typewriter for my twelfth birthday. At fifteen I
took a typing class. ll along I wrote poems and kept a journal, never
really taking any of it seriously. If you?d have asked me then, I
would?ve told you I was going to be a journalist.
But somewhere along the way, I got distracted, as teenagers do,
and I chose nursing, which didn?t turn out to be a bad idea because
one career can be the fuel for another.
So, fast forward to 2007 when I got a laptop for Christmas (again
with the intention to follow recipes online while I cooked) while
simultaneously, I was looking for a good romance book to read.
About people who looked like me. Maybe with some adventure and a
hero who?s handsome and rich, and looks like those movie stars we
all moon over. I don?t know about the rest of you, but I couldn?t find
one. Unbeknownst to me at the time, Toni Morrison had already said:
?If t here is a book t hat you want t o read, but it hasn't been
writ t en yet , you must be t he one t o writ e it .?
I had no clue what I was doing, but I started a story with a
paragraph. A month later I had a four hundred page book. Wow!
With a little time and attention, I discovered that I could whip up
characters, with unique personalities and write in witty conversations
and then send them on adventures! With just my mind?s eye, I could
create a world that didn?t exist, with people in it! How empowering!
Needless to say, this new skill? which wasn?t really new at all, I just
hadn?t done it often enough to respect it?s potential? was addictive.
In no time at all, I could leave my home without ever getting dressed
and be in a faraway place, enjoying the adventures of someone else
from the perch of my kitchen chair.
Of course, for me, the next step was to quit my job so I could
keep writing without the distraction of work. Which didn?t turn out to
be such a good idea. After a few shut-off notices, I had to get back out
there and feed the bill monster. No tears here though. I learned to
write in whatever spare time I had.
Lorem ipsum dolor sit amet consetetur sadipscing elitr.

I had no clue
what I was doing,
but I star ted a
stor y with a
par agr aph. A
month later , I had
a four hundr ed
page book.
WOW!
-Anad Trebolt
It used to be that I worried that I was too late to be a successful
writer. After all, I?m over fifty and sometimes wonder if my time has
passed me by. If you watch a lot of television, all the hopes for future
successes are pinned on children and teenagers. Are we all to assume
that people my age have no new discoveries to contribute?
Not true! Mary Anne Evans, an English Novelist, born in 1819, who
wrote under the pen name George Eliot, is famous for saying ?Its
never too late to be what you might have been.? I live by this quote
and am refueled by it almost every day.
I invested more time and money than I care to recall and I
self-published. It turned out that I had more angst and determination
than even I thought. I also had a ton of support in family, friends and
like-minded writers, editors, and cover artists, for whom I am grateful,
every day.
Over the years, one thing I?ve learned is that Practice makes the
Master, so I keep on writing. I continue to people watch? which is a
natural habit that all writers have? and I refute all naysayers, as all
creatives must.
By this point, I can honestly say, that we all are who we were born
to be. Each of us has a gift to offer the world, we just have to figure out
what it is and hone it.
Find something that you love doing, as I have (there?s a saying out
there somewhere, that if you love your job, you never have to work a
day in your life) and keep doing it. Sure, you may have to wait tables,
or drive a bus, or give out a few pills, so youcan have money to buy
books, pens, or paint brushes or whatever it is that you need, but so
what? Is not your sacrifice for a worthy cause?
Writing is my passion and I?m so thankful for it. Outside of the
people that I love,writing gives me a reason to go out and greet the
world with excitement and the anticipation of finding a new story.
What gets you up out of bed?
Anad Trebolt
Facebook:: www.fb.com/ PHILLYWRITER
Websit e: erot icaforever.com
Twit t er: ht t ps:/ / t wit t er.com/ anadwrit es
Pint erest : www.pint rest .com/ creat iveroopint rem
Inst agram: www.inst agram.com/ anad124.
?If t here is a book t hat you want t o
read, but it hasn't been writ t en yet ,
you must be t he one t o writ e it .?

Be encouraged and inspired by the thought
provoking writings of these Authors.
TONYA LATNEY VALENCIA GRIFFIN WALLACE KAREN SOUTHALL WATTS
ANDREA M. SMITH
FRANNE MCNEAL

Web & Graphic Design
TURN A CLICK INTO A SALE
Put Your Products And Services At The
Fingertips Of Your Customers
51% of sm art phone users have discovered a new com pany or
product w hen conduct ing a search on t heir sm art phone.
(Google, 2015)
Call us today - 302-803-2016
www.saswebdesign.com

TRANSITIONING FOR CHANGE
Changing
Relationships
As entrepreneurs and women we
don?t live in a bubble all alone. Relationships
make our lives more enjoyable and our
businesses more productive. They can also
challenge our abilities and test our patience.
Like everything else in life, relationships are
prone to change, often these changes happen
when we?ve become comfortable and settled
into a routine. During these times, new people
come into our lives, and others transition out.
Our task is learning to handle these untidy
transitions with wisdom and grace.
Beginnings are filled with the rush of adrenaline,
the thrill of potential and sometimes the fear of
failure. Starting a new relationship is typically a
high energy and positive time in our lives. As
entrepreneurs, even new additions in our social
lives can impact the business part of our lives. In
fact, many women entrepreneurs start mission
based businesses or organizations, so there?s
less of a hard boundary between work and
home. The people you welcome into your life
must understand your passion projects and be
willing to support you.
Adding a romantic partner to your life can be
tricky, especially if you?re a driven entrepreneur.
Potential dates need to understand your wacky
schedule. Possible spouses need to recognize
your need to succeed, take risks, and think in
non-conventional ways. While it?s important for
all couples who are considering a long-term
relationship to have talks about money,
children, and values, it?s can be even more
crucial for couples where one or both partners
are entrepreneurs. If you, or your new partner,
are running a business or non-profit you may
not be able to fall back on traditional
assumptions about household duties or money
rules. When one, or both of you, will be
spending time growing and managing a
business it is essential that you?ve spelling out
the ground rules. Surprises can lead to
arguments, dysfunction and even divorce.
Lorem ipsum dolor sit amet consetetur sadipscing elitr.
21

Som e im port ant discussions t o have include:
How are we going to handle money? Do we have
compatible spender/saver styles? Who will be
responsible for the household bookkeeping? The
business books? Do we share the same values
around needs vs. wants when discussing
purchases? Any one of these loaded money
questions can derail a relationship if it goes
unaddressed. The time to hash out money issues
is before any big ticket purchases or the first
financial emergency. And yes, there?s always a
financial emergency.
Who runs the household? Who runs the
business? Where do we find the time to get
everything done? How a couple divides up the
tasks of life is very unique to each family.
Everything from spiritual values to personal
preferences and physical abilities can be thrown
into the mix when trying to decide who does
what around the house or office. Problems arise
when you start a new relationship without trying
to define the roles and responsibilities. Once
again, it?s best to have these discussions early on
before something slips through the cracks. It
might not be a big deal if both partners assume
the other is going to take out the trash. However,
you don?t want important things like childcare or
paying the bills to be left to chance.
Taking on a new business partner can sometimes
feel as worrying as a marriage. After all, there are
some weeks when you?ll be spending more time
with this person than your family. A business
partner needs to not only share your goals, but
also needs to accept your values and vision for
your company. For example, you not only want a
new partner who sees the same market
opportunities, they need to agree with you on
the ethical way to get there.
When you audition new business partners, feel
free to be thorough. Unlike a romance, when we
look for business partners we aren?t looking for
spark and chemistry, though it?s great if we
?click?, we are looking for complementary
skills? a way to fill the gaps in our management
structure. If you love to do research, but don?t
enjoy socializing, then seek a partner with the gift
of gab. Likewise, a dynamic speaker who hates
financial strategy sessions should consider a
partner who understands the magic of numbers.
Work your new business partner into your life
carefully. Discuss expectations in the beginning
and have frequent check-ins to make sure you
are moving forward as a team. Never surprise
your new partner by publicly discussing aspects
of your business that you haven?t already
hashed-out behind closed doors. Finally, make it
legal. Once you?ve found the right partner or
partners, then hire a lawyer to get the proper
paperwork done. Proper documentation does
NOT indicate a lack of trust, but rather a needed
level of professionalism. Don?t let any potential
partners try to sweet talk you into thinking
otherwise.
Life is fluid and sometimes painfully challenging,
and so we inevitably have to deal with the
endings of relationships. Even those that seem at
first glance to be personal, death and divorce,
impact the overall reality of a businesswoman?s
life. It?s important to put as much energy into
coping with the endings as we do with the
beginnings.
The end of a family relationship, even if that
relationship wasn?t perfect, can be painful. While
mourning after an unexpected tragedy might
seem obvious, we also need time to mourn for
deaths we knew were coming and divorces that
were for the best. When something is over, we
need time to adjust. Of course you can still
power through and handle your survival needs.
Yet, expecting that you?re going to excel as
business owner while you?re healing personal
wounds is unreasonable, and not fair to you or
those with whom you work.
?The beginnings and endings of all human
undertakings are untidy.?
John Galsworthy, Nobel Prize in Literature
1932
22

Reach out to your personal support network.
These people want you to be happy and
succeed, and they are a natural place to start
your healing process. Consider professional
help. It?s always shocking to me to find out that
women who will go for a spa treatment, buy the
?good wine,? or use expensive retail therapy
(often in the form of shoes), will not pay for
doctors, therapists, or other professional help to
deal with grief. Those slogans about how you
deserve the best are not just about
cosmetics? you deserve quality support for
mental health too.
Just like all marriages don?t turn out to have
been ?made in heaven? all business partnerships
were not meant to be, or to be forever. Whether
it?s a positive split around new greater
opportunities for one or both of you, or a
negative parting fueled by toxicity, business
partnerships end all the time. If you did your
homework at the beginning, the dissolution
should be easier. Wise business partners discuss
at the beginning the likely what if situations like
retirement, relocation, financial or life events
happening to either partner. In cases like this,
there will be an adjustment period, but you?ve
just got to follow your Plan B ideas and legal
documents through to conclusion.
If there wasn?t a plan or if the ending happens
around some issue you never considered, then
calm conversations are the remedy. These
conversations should probably include legal
counsel for each partner. Now is not the time to
wing it or carelessly trust things will somehow
work out on their own. The future health and
reputation of your business could be on the line.
No matter what type of ending you?re facing, a
key element to coming out on the other side
whole is time. It takes time to mourn, heal and
recover. It also takes time to evaluate, plan and
execute your next business steps. Relationship
transitions, personal and professional, are
unavoidable. Yet they don?t have to derail your
business or squash your spirit. Accepting that
these beginnings and endings will be messy and
sometimes raw, is the first step to handling them
like a pro.
About the author:Karen Sout hall Wat t s has
transitioned many times in life. From east coast
to west coast, from employee to stay-athome-mom,
to academic and entrepreneur.
Karen lives in Vancouver, BC where she is a
business coach, college instructor, author and
speaker. She is the author of, Messenger: The
Entrepreneur?s Guide to Communication, and
Ask and Achieve: Questions in the middle of a
woman?s life.
23

2 0 1 8
SPECI AL EVENTS

25

M usic Spo t l ig ht
Patrice And The Show
www.patriceandtheshow.com
26

OWN
YOUR DIFFERENT
Andrea M. Smith, the process coach
As I entered into this new year and preparing to
Speak, Coach, and write my 4th book, I decided to
embrace ?my different?. My different is the
uniqueness of who I am. It?s the distinction that God
has made between me and everyone else in the
world.
Started my day as I usually do with prayer, reading a
scripture, and then going through the to-do list. I
logged onto my social media account and as I am
reading posts on my timeline, I notice a pattern. It
was the focus being placed on the ?crafting? of the
message being shared, as opposed to owning it?s
?uniqueness? and the help it can give to those they
are attempting to reach. I thought about this and in
reflecting on what I believe I am called to do and who
I have been equipped to help, I realized, the message
I share has already been crafted. It was crafted out of
the challenges, struggles, and triumphs I have faced.
How far it will reach, its impact on those it is meant to
help, will not be determined by how I package it, but
by my willingness to embrace it, while not fearing the
transparency and exposure it requires.
As Entrepreneurs, Speakers, Coaches, or whatever
way you use your gift or talent to impact the life of
someone else, don?t allow the packing (self-created
or suggested) to diminish the message that your
intended audience needs. Housed in the packing of
your message, is the support, encouragement, and
wisdom someone is waiting to hear and is in much
need of.
Don?t get stuck on the packaging, because the core of
who you are is in the message. I challenge you to take
a moment to explore if your packaging is covering
your message. Is it hiding you or is it revealing you to
your audience in a way that is transparent. Are you
conveying your unique message in a way that
provokes the hearer to say "me too", and crave what's
next.
There is something unique and special about YOU
and you should OWN it. Your different is God created
and inspired, it is what makes your story, journey,
and purpose so powerful. Be courageous, very
courageous, and embrace your different, this is what
the world is waiting for, not another pretty packaged
message.
IT'S TIME TO OWN YOUR DIFFERENT!
t he process coach
w w w.andream sm it h.com
Andrea M. Smith, is Personal Development Expert,
Speaker & Coach, who empowers others through the
promotion of self-love and personal development. As
The Process Coach she helps others to walk out their
process and move forward in confidence towards
their purpose. She believes it is not the validation of
others you should crave, just give yourself the
permission to succeed.
27

28

SWES Cleaning Co.
Commercial Cleaning With A Unique Touch
MONICA ROBINSON, OWNER/AYINDE ROBINSON, OWNER
Office: 215-995-1478
Women Owned/Minority Owned
swescleaningco@outlook.com
29

It ?s t im e t o t ake flight t o your dream
St eps t o st art ing a journey t o your dream
1. Believe & trust in your dream
2. Visualize your dream
3. Write your dream down
4. Set long term & short term goals with deadline/target dates
5. Connect with like-minded people
6. Start your Business Binder
7. Anticipate the changes that may need to change to reach
your dream
www.tdlcoaching.com
30

Business Directory
The Debra Tucker Agency
Destiny Tours & Travel
CRYSTAL PEURIFOY, OWNER
Life Home Auto Commercial Specialty
225 Berlin Rd. Suite 2, Cherry Hill, NJ 08025
Office: 856-429-0288 Cell: 856-630-9141
Email: dtucker1@farmersagent.com
Travel To The Destination You Always Dreamed Of
45 E. City Line Ave. #318
Bala Cynwyd, PA 19004
Office: 215-873-73124 Fax: 856-668-5838
Phlembotomy Healthcare , LLC
Dawn A. Huling, OWNER
Phlembotomy Healthcare
Leading The Way On Stick At A Time
Office: 267-230-9919
Cell: 267-900-2610
phlembotomyhealthcare@aol.com
Stephanie Hill, Associate
Independent Associate Representing Aflac
1020 N. Delaware Ave, 4th Flr.
Philadelphia, PA 19125
31

32

CONQUER THE WORLD!