24
Promoting excellence in business & ministry” Promoting excellence in business & ministry” Promoting excellence in business & ministry” ACUMEN BUSINESS PAGES Christian Business & Trade Christian Business & Trade Christian Business & Trade ACUMEN ACUMEN Edition 14 Summer 2013 www.acumenbusinessmag.com Business Tagline How to create a FREE In Print & Online The LAW! How Your WEBSITE Is breaking CHURCH mess up 3 Your Credit Ways to Networking Are YOU In the right Places? 10 Fashion DON’TS For MEN DRINK to cut Belly Fat CEO - Quality Media Consultant Group 7 Things to do To survive a Computer Crash Lori A.Manns Facial Beauty Health Tips & NOW ON SALE $5.00*

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Page 1: Acumen Business Pages- Summer 2013

““““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 14 Summer 2013 www.acumenbusinessmag.com

Business Tagline How to create a

FREE

In Print & Online

The LAW!

How Your

WEBSITE Is breaking

CHURCH

mess up 3 Your Credit

Ways to

Networking Are YOU

In the right Places?

10 Fashion

DON’TS

For MEN

DRINK to cut

Belly Fat

CEO - Quality Media Consultant Group

7 Things to do To survive a Computer Crash

Lori A.Manns

Facial Beauty Health Tips &

NOW ON SALE $5.00*

Page 2: Acumen Business Pages- Summer 2013
Page 3: Acumen Business Pages- Summer 2013

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

www.acumenbusinessmag.com

PURCHASE ANY PAST EDITION OF

Acumen Magazine FOR $2.50 ONLY

To advertise/subscribe Visit our website for more information

$5

We are going International We are going International We are going International We are going International

FROM SEPTEMBER 2013

ACUMEN MAGAZINE WILL BE AVALIABLE FOR PURCHASE IN

U.K, CANADA, IRELAND,

SPAIN, NIGERIA & KENYA

ORDER YOUR COPY TODAY!

NOW AVALIABLE IN U.S.A

ACUMEN MAGAZINE SUMMER 2013 EDITION

Page 4: Acumen Business Pages- Summer 2013

4

PGPGPGPG

8 20202020

Things to do to survive a

COMPUTER CRASH!

AMOS JOHNSON

PGPGPGPG

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

PGPGPGPG

PGPGPGPG

STORYSTORYSTORYSTORYCoverPageCoverPageCoverPageCoverPagePGPGPGPG19

JonesJonesJonesJones————PatePatePatePate NikishaNikishaNikishaNikisha

CONTENTS

TO Mess UP 3 WAYS YOUR CREDIT!

PAGES

EDITORS WELCOME NOTE PG 3

LETTERS/FEEDBACK PG 3

ACUMEN MAGAZINE PURCHASE INFO PG 3

ACUMEN MAGAZINE SOCIAL MEDIA CLASS PG 9

ACUMEN MAGAZINE SUBSCRIPTION INFO PG 10

ADVERTISEMENT RATES PG 14

HEALTHY LIVING PG 8

MEET DR LAURA THOMPSON PG 21

PGPGPGPG

In the Are YOU networking

Right places?

PGPGPGPG

Church website How your

Is breaking THE LAW!

Lori A.Manns Fashion

Don’ts 10

FOR MEN

7777

PGPGPGPG

Belinda Mays How to create

BUSINESS TAGLINES

REGISTER FOR

Acumen Magazine

Social Media Class

AUG 14th 2013

PG 10

TARRA JACKSON

MADAM MONEY

Facial Beauty

& Health Tips China Smith

Page 5: Acumen Business Pages- Summer 2013

5 www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 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 14 Summer 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 China Smith

Dali Josipovic Darshaun Kendrick

Nikisha Jones –pate 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

Moses, Wherefore criest thou unto m

e?

speak unto the children of I

srael, that they go forward:

Exodus 14:15

Moving Forward! Moving Forward! Moving Forward! Moving Forward! The first half of the year has ended and have now entered the second

half of the year. This is the time for you to go back to the drawing ta-

ble for strategies to move forward and end this year on a great finan-

cial note.

We have partnered with a social strategist to hold our first social me-

dia class for entrepreneurs. Do sign up for it & get some strategies for

your business. Acumen Magazine is going international with our quar-

terly edition. Buy all our past editions for $2.50 each and get very rich

information that you need for your business.

Finally I encourage you to advertise your business with us & do partner

with us to tell more business people about Acumen Magazine and the

resources we provide freely every month on line & in print for you.

Remain Blessed Remain Blessed Remain Blessed Remain Blessed

Evang.Evang.Evang.Evang.Bibi FashinaBibi FashinaBibi FashinaBibi 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 have taken up the sugges�on and are excited to inform

you that in this edi�on we have a guest writers who writes informa�vely and with experi-

ence about FACIAL HEALTH & BEAUTY. This sec�on will be included in all our upcoming

edi�ons.

I know your monthly magazines are free on line and in stores but I want to buy the

print copies of some of the past edi�ons of your monthly magazine as well some of

the quarterly magazines. Can I get a discount if I purchase more than one past

edi�on? Frances L. – Norcross GA

A: For our monthly magazine which is free you can go to the BUSINESS PAGES of our web-

sitre and order for any copy to be mailed to you.You must pay $3,00 S& H only. To order

print copies of past edi�ons of the quarterly edi�ons you can go online to our website to the

ARCHIVES page and purchase any of the past edi�ons of the quarterly interna�onal edi�ons

of Acumen Magazine at $2,50.The price of the current edi�on is always $5.00.

You can also order for digital downloads OR for the pdf copies of the magazine to be

emailed to you for $2.00 .To get the best deal of all we will encourage you ro subscribe and

get Acumen delivered to you at the best deal price.

www.facebook.com/acumenbusinessmag

Page 6: Acumen Business Pages- Summer 2013

6

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 com-

posite of its two compo-

nent words: Business

literacy is defined in

SHRM's Business Liter-

acy Glossary as "the

knowledge and under-

standing of the finan-

cial, accounting, mar-

keting and operational

functions of an organi-

zation”

[2] The Oxford English

Dictionary defines acu-

men as "the ability to

make good judgments

and quick decisions".

[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

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

Page 7: Acumen Business Pages- Summer 2013
Page 8: Acumen Business Pages- Summer 2013

8 www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

China Smith

How to use the things at home for a Facial: ByChinaSmith“UniqueFacesMakeupStudioLLC

Everyone loves to get pampered at a spa, but few can afford it. So, when you can't get the star treatment there, here's how

to stretch your dollar on skin treatments at home.

At Unique Faces on the East side, its China’s job to make sure customers is pampered. China says you can also get some of

that spa sensa�on at home with ingredients like eggs, yogurt, oatmeal, tomatoes, and baking soda..

"The list of things I have here would not cost you no more than $20. They're cheap, all natural, and probably in your kitchen.

With protein packed egg yolks, you get moisture and eggs whites help exfoliate so the whole egg does double duty for your

skin. "All we're going to be doing is pain�ng on a very thin layer. Just so you can see that the skin is moist, that's all you need.

"You're going to get the moisture proper�es and you're going to get the firming proper�es."

AMer about 10 to 15 minutes, rinse and wipe off any residue with a washcloth. And there you have it a facial that cost you

absolutely nothing but the food in your refrigerator

Email: [email protected]

Facebook: Unique Faces Makeup Studio

twiGer: muachina

instagram: chinamuasmith

ph: 678.304.8831

"It's our job to make you look Unique and your job is to be Unique"

Connect with me on StyleSeat at hGps://www.styleseat.com/chinasmith -

View photos, book appointments, and recommend me to friends!

www.uniquefacesstudio.org

& Health Tips Facial Beauty

Page 9: Acumen Business Pages- Summer 2013

Today's 21st century church

is so drama�cally different

from the church that we

knew just a few years back

that, outside of the unchang-

ing message of salva�on, it is

hardly recognizable.

Today churches meet in homes, restaurants, schools, senior

living facili�es, and yes, you said it...online. With the Internet

being such a powerful tool, many pastors and leaders have

used it to keep in regular communica�on with their congre-

gants. Many pastors have personal blogs, and others use so-

cial media. These can all be very good tools, but they do not

come without legal hurdles and challenges.

The way a church website can break the law

This year, being an elec�on year, the IRS will do more to moni-

tor church websites. However, as with any type of monitor-

ing, they may find other issues that exist with your website.

So, a fair ques�on to ask yourself is, "If the IRS were to review

my website, will it be 100% compliant?" Let me give the three

most areas where they may find significant issues.

1.What is your church selling online? The IRS is catching

up to the increasing number of churches selling things on their

websites. Sec�on 512 was authored by Congress to make the

carrying on of a trade or business a taxable ac�vity. Currently,

if a church has a bookstore, its sales are not taxable if they

occur during their regularly scheduled church worship ac�vi-

�es. However, if the church has a bookstore that is opened

during regular business hours, those sales are considered non-

related business income and they become taxable. But now,

the IRS is catching churches that have online bookstores.

The ques�on is, "Are those sales considered unrelated busi-

ness income?" Like any other business ac�vity, if those sales

compete with other legi�mate online bookstores, then they

are taxable and the church must pay income tax for those

sales because they are not considered substan�ally related to

the nonprofit's exempt purpose. How about banner ads? Are

they subject to unrelated taxable income tax? The answer lies

between them being adver�sers or corporate sponsors. With

a li�le bit of strategy, you can make them corporate sponsors

and it will not be taxable. See item three below.

2.The Pastor's blog: Many pastors today are taking

advantage of blogging. For many, it is a way to stay connected

with the congrega�on during the week. I know of several

pastors that send out a blog on an almost daily basis and a

good number of the members of the congrega�on read it and

leave comments. These pastors make efforts to reply to each

comment personally. Every Sunday, many of the members

feel that they have had a personal conversa�on that week

with their pastor because if the blog. Now, the million-dollar

ques�on is whether a pastor's personal blog is legal, and un-

der what circumstances can it be illegal? The answer requires

a long explana�on. To find the answer, please read a blog I

wrote on this by clicking here.

3.Selling ads versus corporate sponsorship:

Many churches these days raise extra revenue by selling ads in

their church bulle�n, on their website, and in other materials.

Any paid promo�on of a private business is classified as adver-

�sing and an unrelated business ac�vity. The good news is

that the IRS has created a safe harbor for churches to raise

adver�sing revenues by selling ads known as corporate spon-

sorships. There is a legal difference between selling ads and

selling corporate sponsorships. The IRS allows tax-free corpo-

rate sponsorships so long as they meet certain criteria such as

publishing their logo, or slogan, website address and their

telephone number, and as long as they do not contain qualita-

�ve or compara�ve descrip�ons of the sponsors' products or

services. What you must not do is publish the sponsors' prices,

or other wording that promotes savings, value or endorse-

ment.

There is one more area that i am not men�oning here because

it requires a very long write up. It is poli�cal speech. soon

you will see more on this topic.

The do's and don'ts

We all know that it is very beneficial to have a church website,

but when the �me comes for your church to start a website,

be sure to get all the facts regarding the do's and don'ts for

church websites. We will discuss this topic at our next set of

conferences. Always keep this in mind. When it comes to your

church website, what you do not know, can hurt your church.

Church Planter. Speaker. Author. CEO.

Raul Rivera has had ample experience in the

church plan�ng world. His current venture,

StartCHURCH has helped 1000's of churches get

started on the right legal founda�on. Raul has

complied an array of manuals and soMware tools

that help churches stay compliant with the IRS.

He also hosts over 35 na�onal conferences per year,

training Pastors on how to launch their church legally. Raul is married

to his wife Genel, and they and their five children live in Atlanta, GA..

Copyright www.startchurch.com

9

The LAW! Is breaking WEBSITE

How Your CHURCH

Raul Rivera

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

Page 10: Acumen Business Pages- Summer 2013

10

ACUMEN MAGAZINE SOCIAL MEDIA CLASS FOR ENTREPRENEURS 2013

AUG 14 2013 - WEDNESDAY - 9.00 AM— 1.00PM $49 Ends July 31 — Regular Event Fee is $99

Intercontinental Breakfast/Snacks/Fruit/Coffee are included in Your Fee Intercontinental Breakfast/Snacks/Fruit/Coffee are included in Your Fee Intercontinental Breakfast/Snacks/Fruit/Coffee are included in Your Fee Intercontinental Breakfast/Snacks/Fruit/Coffee are included in Your Fee

PLEASE NOTE: This is an Acumen Magazine sponsored Event FOR BUSINESS ENTREPRENEURS.

Regular fee for this type of class /event which is regularly organized by the Social Media Strategist is $297

TO REGISTER FOR THIS EVENT Go to the BUSINESS PAGES of our website & click on icon SOCIAL MEDIA CLASS

www.acumenbusinessmag.com

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

Page 11: Acumen Business Pages- Summer 2013

4. Determine the reach and spread of the network.

An organiza�on with na�onwide or interna�onal chapters

may mean a wider reach and more bang for your buck. You

could get na�onal or interna�onal clients, referrals, partners,

speaking and collabora�on opportuni�es if you ac�vely tap

into bigger networks. Then on the other hand, if you are

looking to reach a more local clientele then a smaller, more

in�mate local group may be best for you.

5. Be aware that free networking groups and events

aGract a high number of freebie seekers. Not everyone at

such events belongs in this category but from my experience

and others' I know that people who habitually a�end only

free events do not make good clients or collaborators. They

will happily chase you to sell whatever they offer but are just

not used to inves�ng in their own businesses. For this rea-

son, I do not spend a lot of �me at free networking events.

Now, these are not hard and fast rules as you can get clients

and referrals from the most unlikely places. However, con-

sidering the above could save your resources and much

stress! So, decide on a manageable number of networking

groups where your ideal clients a�end and get networking!

Fill out your diary for the year, so it is all planned and not ad

hoc. Your insights and your feedback are warmly

welcome Do write in and share!

Copyright ©2013 Oma Edoja All rights reserved worldwide.

11

Networking is a great way to

meet lots of people who could be

helpful in building our businesses

and we theirs.

If done correctly, through networking we could meet

poten�al clients , joint venture partners, gate keepers to

groups of ideal clients and also get large numbers of refer-

rals.

One key element of effec�ve networking however is to make

sure we are tapping into the right circles. What could be right

for one business could be very wrong for another, so don't

just follow the crowd.

Now, how can we tell which networking groups are right for

us? This might seem obvious but it is an oMen ignored �p:

Make sure that the places and plaQorms you choose for net-

working are filled with not just your target audience but very

importantly, your ideal clients.

For example, your target audience may be working women.

But if you offer higher end services, your ideal client is then a

working woman with a certain level of disposable income.

Determine what this is and where such women network.

That is where you should be networking, not at just any

working women's groups.

Also, if you offer training and consul�ng services to larger

companies, then the local networking group filled with part-

�me solopreneurs may not be the best place to spend your

�me.

How to tell if a group is right for you

1. Look it up online. Read its profile. See if you know any

members and ask for their feedback.

2. Read member tes�monials and look up member bene-

fits. Be sure that members are actually giving and geRng

business and not just socializing!

3. If you know a member, ask to go along with them as a

guest. Most groups allow one or two visits before you com-

mit to a membership. While there, find out what businesses

are represented and the typical business size. If for instance,

the average member turns over less than £10K per annum,

are they likely to buy or refer your £5K IT solu�ons?

Oma Edoja is an author, speaker and

Women's Business Growth Mentor who

is passionate about empowering wom-

en! 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

PLACES? In the RIGHT Are YOU

NETWORKING

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

Page 12: Acumen Business Pages- Summer 2013

12

A: Tell us about yourself and your business. How did you

get started, what mo�vated you etc.?

LM: I realized that I wanted to start my own business when

I no longer had the desire to work in corporate America.

I had a passion for helping entrepreneurs and small

business owners accelerate their revenue and I realized that

I could make a difference and help them grow to a higher

level.

A. Why should a business owner do business with your company?

LM: The main reason would be to get more customers and generate more sales. I help entrepreneurs become so magne�c

that their ideal clients are immediately a�racted to them and love doing business with them so much that they become

customers for life. I have created a strategic, proven, step-by-step system to show my clients how to increase brand

awareness and generate more leads so that they quickly grow revenue. I also help them to showcase their unique strengths

and abili�es to stand above their compe��on and get no�ced by their target audience.

A: What impact has social media had on your business?

LM: It has allowed me the plaQorm to engage with my clients and prospects using open dialogue to build rela�onships as

well as promote my products and services in many instances for free.

A:What is your most proud accomplishment with your business?

LM:I am proud of the fact that I have been recognized by my peers. I have received awards and recogni�ons from business

organiza�ons such as: Who’s Who in Black Atlanta for the past 3 years, S�le�o Woman Magazine when I received the

2013 Business on The Rise Award at the S�le�o Woman in Business Awards.

Also I was a finalist in Atlanta Business League’s Super

Tuesday Women’s Conference in 2011, a graduate of

Leadership Dekalb, Class of 2010 and recipient of the

Business Superstar Award from People You Need To

Know Magazine in 2010.

.However, the biggest sense of accomplishment I

receive is when I help my clients to reach revenue

goals that were seemingly unreachable.

A:How do you plan on growing your company?

LM:.I would like to grow Quality Media Consultant

Group to serve more clients on a na�onal and interna-

�onal level.

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

Lori A.

Interview with

Manns

Lori A. Manns (404) 432-0444

Call Now for 20% Discount on

Laser Focused Strategy Session!

Page 13: Acumen Business Pages- Summer 2013

13 www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

A: Being an expert in sales, how can your programs or services help

business owners looking to gain sponsors?

LM: I am a marke�ng and sales mentor, I coach my clients on smart, soulful

sales strategies so that they know how to appropriately posi�on themselves or

their product/service in a sales conversa�on. In addi�on, I teach my clients to

make their events and businesses “sponsor a�rac�ve” so that they are pre-

pared when approaching prospec�ve companies who may be interested in

partnering with them in the future.

A:How do you give back to the community?

LM:I am the founder and president of Live Healthy & Thrive Youth Founda�on,

Inc., a 501 (c ) (3) non profit organiza�on dedicated to kids’ health. The mission

of LHTYF, is to educate, ac�vate, mo�vate and empower youth in the areas of

academic achievement, health, fitness, nutri�on and total wellness. As the

head of this organiza�on, I volunteer my �me to serve children in the

Atlanta area by helping them to create healthy lifestyle habits to avoid

obesity, diabetes and hypertension.

In addi�on, I donate my �me and volunteer efforts to the Na�onal Mul�ple

Sclerosis Founda�on, Hosea Feed The Hungry, American Cancer Society,

The Atlanta Day Shelter For Women and Children and give to various other

chari�es throughout the year.

A: What do you enjoy most about being an entrepreneur?

LM: The freedom and ability to do business my way. I am a solo-entrepreneur

and get to choose the clients I work with. Also, I have a team of partners and

contractors who I outsource various projects to however, as the business

owner I have the privilege of seRng my own schedule.

A: What does it mean to you to be a female entrepreneur/business owner?

LM: Being in a minority owned female business owner is a privilege. I have

the unique opportunity to do what I love to earn a living. I am uniquely giMed

in helping other people to showcase their strengths and so they serve their

audience in a bigger way. When I consult with my clients, I provide them with

a laser focused, in depth analysis that helps them to realize opportuni�es they

may not have encountered before. I believe in providing quality results and a

profitable return on their investment. I go the extra mile for my clients by not

just mee�ng their needs but exceeding their expecta�ons as much as possible.

www.qualitymediaconsultants.com

with

Interview

Manns Lori A.

Page 14: Acumen Business Pages- Summer 2013

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

14

Page 15: Acumen Business Pages- Summer 2013

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013 15

Page 16: Acumen Business Pages- Summer 2013

16

"Are You

Unknowingly

Sabotaging Your Credit?"

...Have you (or someone you know) ever

wondered why your credit score s�ll

takes a dive when you believe you are

doing everything right? I have.

Don't worry. You are not alone. I have

been asked about this by almost all of

my clients.

The Credit Score is a calcula�on of credit

performance behaviors that tell how

risky you are to lend or provide a certain

services to.

A quick way to remember the Anatomy

of the Credit Score is learn the game of

S.P.A.D.E's.

SPADE stands for

Spending (30%) - how much you use of

revolving debt, like credit cards?

Payment History (35%) - how are you

paying your credit accounts?

Age of credit (15%) - how long have you

had credit established?

Diversity (10%) - what experience do

you have with different types of credit?

Exposure (10%) - how many �mes do

you allow your credit report to be

viewed?

What makes the credit score calcula�on

so complicated is that there are some

things that we do, that seem to be good

common sense ac�ons, that actually

reduce our credit scores.

Here are the Top 3 Ways to

Sabotage Your Credit Score.

#1: CLOSING PAID OFF

CREDIT CARDS

This seems like a wise and financially

responsible thing to do right? RIGHT!!!

But, this ac�on will actually have a nega-

�ve impact on your credit score. This

affects the Spending category of the

credit score, which is 30% of the score.

Credit scores rely heavily on u�liza�on of

revolving debt, like credit cards or lines

of credit. So, if you close your credit

cards, your u�liza�on will be Zero. Not

Good! This is why you may see a dip in

your credit score.

HELPFUL HINT: Keep your credit card or

line of credit balances at or less than

30% or the credit limit. This show you

are responsible with credit.

#2: OPENING DEPARTMENT

STORE CARDS FOR

10% DISCOUNT

OK, Reality check ... You will not get a

10% discount on your purchase if you

revolve a balance at 18% APR or higher

(common department store interest

rates). The purchase will actually end up

cos�ng you more than the 10% you

thought you saved.

Besides this misnomer, this ac�on will

have a nega�ve impact on your credit

score because it affects up to 3 catego-

ries of your credit score: Age (15%),

Exposure (10%), and possibly Spending

(30%)! That's poten�ally 55% of the

credit score nega�vely affected.

Here's quickly how this works:

1) Age category - You now have a new

account repor�ng on your credit report;

2) Exposure category - You now have an

inquiry when they pulled your credit

report to see if you qualified for the

card; and

3) Spending category - Your credit limit

given is right above the amount you

charged.

HELPFUL HINT: Don't believe the hype!

Use a card you already have or be�er

yet ... use budgeted CASH!

#3: THOSE PESKY SMALL

COLLECTION ACCOUNTS

You know ... that small balance you did-

n't know you owed your doctor because

your insurance didn't pay for it. Or that

�cket you got in Atlanta.

(Sorry ...ven�ng). Yeah, those. Here's

the thing, the amount doesn't ma�er

when it comes to collec�on accounts.

So, whether the amount is $50 or

$5,000, the nega�ve hit is the same.

HELPFUL HINT: Check your credit report

regularly or at least once a year. You can

get a FREE copy of your credit report at

least once a year at

www.annualcreditreport.com

TO Mess UP 3 WAYS YOUR CREDIT!

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

Tarra Jackson, known as Madam Money

and author of Financial Fornica�on, is an

energe�c & charisma�c speaker that

shares real life experiences to help

educate her audience about money and

credit. Tarra's passion is to help people

through informa�on and educa�on.

madammoney.blogspot.com

Tarra is also the owner and founder of

CONNECT2temp.com,

an online directory of local

small businesses for

consumers.

[email protected]

ww.tarrajackson.com

Tel: 404) 852-6295

Page 17: Acumen Business Pages- Summer 2013

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013 17

Today we are going to discuss business taglines. Adver�sing taglines are all around us

at every turn. However in your business you don't necessarily have to have one, but

it does help to create brand awareness if you do create one. Let's discuss the five

types of business taglines that you can create.

QUESTION TAGLINEQUESTION TAGLINEQUESTION TAGLINE::: The first one is called a Ques�on tagline. How many ques�on taglines do you

know? You may not know a lot but I am sure that you know one that is very popular, and that is

“what can brown do for you? “ Who would have thought that a ques�on could take a company

and put them at the top of the leader board, when it comes to shipping?

BENEFIT TAGLINE:BENEFIT TAGLINE:BENEFIT TAGLINE: The second type of business tag line is called a Benefit tagline, one example

of this type of tagline would be” it melts in your mouth and not in your hand” that is M&M's

tagline explaining the benefits of their chocolate.

FACTUAL TAGLINE:FACTUAL TAGLINE:FACTUAL TAGLINE: The third type of business tagline is called a Factual tagline, this mean you

say something true about your business, and example of this would be the Ivory Soap Company,

they said their product is 99% pure. Make sure that your tagline is based on true facts about

your company and not some fact that you made up.

EGOCENTRIC TAGLINE:EGOCENTRIC TAGLINE:EGOCENTRIC TAGLINE: The fourth type of business tagline is called a Egocentric tagline, this is about

eleva�ng your business above your compe��on, for example “the ul�mate driving machine” tagline

that was created by BMW. By using the word ul�mate they have elevated their car brand over all

others.

ABSRACT TAGLINEABSRACT TAGLINEABSRACT TAGLINE::: The fiMh type of business tagline is called the

Abstract tagline, really says nothing, but it ul�mately says a lot, for example Nike's tagline “

just do it”, who would have ever thought that that tagline would end up all over the place?

I have given you all the different types of taglines, now you have to figure out which one is

best for you.

Your tagline should be short and to the point no more than 3-7 words, but ul�mately is should

convey the ul�mate spirit of your company. Also you want to make sure it speaks to your target audience.

Always remember get up, get going and get there!

www.belindamays.com

Business Tagline How to create a

Belinda MaysBelinda MaysBelinda MaysBelinda Mays

Page 18: Acumen Business Pages- Summer 2013
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19 www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

Why is it that most fashion �ps

are not geared towards men

generally but are directed to

women?

Is it that most men have the persona

that they don't care? Many wives and

girlfriends are constantly asking the

ques�on how can I help them. I can tell

by the frustrated looks on their faces

that they feel the dressing of their men

are lost causes.

Some people say guys just don't get it.

Maybe we should just leave them

alone? The answer is NO!

I'm going to ease the minds of unhappy

women and agitated men. These �ps

are to avoid your most popular fashion

mistakes.

#1 Dress for the proper

season.

#2 Too many colors- Some

men seem color blind. Limit your colors it doesn't draw good

a�en�on your way. eg: Dark clothes with dark shoes

#3 Too many patterns- Makes me dizzy. Limit your

fabrics. Iden�fy your most complimentary pa�erns. I would

suggest two pa�erns three at the most.

#4 Too many fabrics- fabrics have been known to

solidify status in most cases. I personally like men in linen and

some velvet blazers and selected leather assembles.

There are many ways to pull off a nice versa�le look with

denim as well. Tweed wouldn't suggest masculinity. Fabrics

vary by seasons but you could be safe if you just keep them

separated.

#5 Stained clothes- Treat stains at home if you can if

you can't try a professional if that doesn't work remove it out

of your wardrobe rota�on. Stains make you look dirty and

unkempt.

#6 Pants that are too short

or long- Not your size. Try them on when

you purchase them. All pants can't go in the

washer and dryer they may shrink. When the

pants are too long the get dirty and tear.

#7 T-shirts that are too long

or too short- The baggy look is out

dated. Short shirts show too much skin for a

male. Pick a brand you wear be�er than oth-

ers. A good length should be midway down

your fly.

#8 Missing a spot when you

shave- Nobody likes to see a face with

spots of hair. Use a hand held mirror for help

in shaving or use a clear shaving gel.

#9 Ties that don't hang right-

Ties should reach the top of the belt buckle

and have a dimple in the center of the knot.

Get more help from YouTube or The Tie

Guide.com.

#10 Wrinkled button downs-

If you don't send your clothes to the cleaners

for the perfect press purchase a nice iron

and ironing board and use it.

Some favorite brands for men that are inex-

pensive - brand names like Calvin Klein, Michael Kors, Ralph

Lauren, Banana Republic, Levi's and Express etc

These fashion don'ts are very cri�cal and embarrassing when

people no�ce them .You may have been at an office or a com-

pany Christmas party and people start joking about other

people for these fashion no no's .

Take some these easy �ps into

considera�on next �me you step

out you can not only have all eyes

on you but you could "Steal the

Show"

10 Fashion DON’TS

For MEN

STEAL THE SHOW

W/Nikisha J Pate

Phone: 404-944-8922

Page 20: Acumen Business Pages- Summer 2013

20

.and save your business. I had a major computer crash earlier this year,

which put my business on hold for about 2 days.

Fortunately, I had most of my data backed up and

was able to recover all my data from my hard

drive. So I completely upgraded my system and I

am humming with some cool new technology.

However, without the setback, I would not have

moved forward. Sometimes a setback is the perfect

opportunity to do things to move yourself forward.

Don’t despise setbacks; they could be a blessing in

disguise.

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 :

hGp://amosjohnsonjr.com

for addi�onal resources to help

you develop your God-inspired

business. Amos Johnson Jr, PhD

www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

However, to prevent a computer crash from

putting you out of business.

Do these following 7 things ...

1. Backup all data to a secondary external

hard drive once per month

2. Keep all critical business data on Dropbox

(an online backup drive)

3. Save all software license keys in a special

email folder, so when you re-install soft-

ware you have the license keys to re-

activate your software.

4. Don’t throw away software install CDs.

Put them in a special place.

5. Have a backup laptop or IPad, so you still

have access to email and can communi-

cate with your clients

6. Store all your contacts’ information online

in Google Contacts.

7. Commit all passwords to memory

If you do these 7 things you will survive a

complete computer crash, and save your

business.

7 Things to do To survive a

Computer Crash

Page 21: Acumen Business Pages- Summer 2013

PROFESSIONAL PROFILE

21 www.acumenbusinessmag.com Acumen Business Pages Edi�on 14 Summer 2013

Page 22: Acumen Business Pages- Summer 2013

Acumen Magazine is VERY informa�ve.

Do not miss out on any edi�on of Acumen Magazine

Order for copies of the former edi�ons.&

Subscribe to the upcoming edi�ons.

Page 23: Acumen Business Pages- Summer 2013
Page 24: Acumen Business Pages- Summer 2013