Thursday, November 9, 2017

BOSS Spotlight Feature: Tammy Moore, Owner of Tammy P. Moore & Associates

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Tammy Moore "the Diamond Diva” is the only African American shareholder of Diamond Residential Mortgage and owner of Tammy P. Moore & Associates.  She is a licensed mortgage originator in 8 states. Tammy is a credit repair specialist, conducts seminars and personal coaching sessions to assist her clients with home ownership, credit & financial planning.
1.  What were some obstacles that you faced in the beginning process of starting your business or career?                                    Finding my place in a male dominated industry was an obstacle initially, but I made it my stepping stone.  Earning the trust of your partners and your clients was also an obstacle. Confidentially is everything when your dealing with credit and finances. I worked to prove that my black owned business has something valuable to offer and17 years later, I am a trusted advisor!

2.  What inspired you to break into your industry?                         Throughout the years I have encountered people who had given up on the dream of homeownership because of their credit impairments. Instead of turning them away and telling them you don’t qualify for a home, I begin to study the credit reporting process and advising them on how to improve their scores and managing their monthly debts.
My motto is “it’s not if you will repair your credit or buy a home but when!”™ 

3. How do you balance your personal and professional life, or have you been able to find a balance?
I start my day off with prayer, meditation and exercise.  I must be healthy and happy, so I can give of myself to my family and career.  You can’t pour from an empty cup.  I ensure my family knows they’re a priority.  I still cook hearty meals and have date nights with my husband. I don’t overbook my calendar and I only say yes to projects I believe will make a difference.  Quality over quantity!

4. What is an inspirational quote that you live by?                                  
Teamwork makes the dream work!
If I can help somebody as I travel along my way, then my living will not be in vain!
Luke 12:48 For unto whomsoever much is given, of him shall be much required: and to whom men have committed much, of him they will ask the more.”
5.  Who were some influential people or mentors that helped or encouraged you along the way? 
I’ve always admired Oprah Winfrey. My determination came from my Mother, Grandmother and my Aunts.  They all taught me that there are no limits to what I can do (with God).  They have always been active in the community.  Each one of them set a great example of what a humble servant leader should exemplify, I am so grateful for my village!

My mentors are Esterle Coburn (one of the first women to own a mortgage company in Lake County, IL) and Gwen Broughton (one of the first African American women to get a broker license in Lake County, IL) who have been in the Mortgage/Real Estate Industry for over 70 years combined. They took me under their wings and trained me to strive for greatness!
6.  What are your “must-haves” to keep your career or business going strong?       
A few of my “must-haves are faith, patience, a great business plan, a healthy relationship with money, a strong support system, integrity and gratitude!

7.  What is your definition of a BOSS?                                               My definition of a BOSS is a woman with a vision, a plan and a prayer!  She realizes that she must take the road less traveled.  A BOSS is surrounded by a great team that’s ready to impact lives! A BOSS NEVER stops learning and networking.  There’s always more work to do and always someone out there that will benefit from the information we have to offer. She never fails only learns valuable lessons and tools for the next steps in her journey!
To find out more about Tammy Moore, visit her at:

Twitter: @tammypmoore


Tuesday, November 7, 2017

As an Entrepreneurial Woman, Why Should I Buy Life Insurance?

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Let’s get real. Purchasing life insurance is not top of mind when you are starting or running a business. You’ve got licenses, equipment, office supplies, operating expenses, payroll and dozens of other expenses to cover.
But, on the other hand, as an entrepreneur, you have a lot to protect, including your business, employees, loved ones and your reputation as possibly one of the increasing number of women of color who are fueling U.S. business startup activity. An analysis from the 2016 State of Women-Owned Businesses Report, commissioned by American Express OPEN, found that women-owned firms are increasing at five times the national average rate, and nearly eight in 10 new women-owned firms are being launched by women of color. You go, girls!

From a business perspective, small-business owners should consider purchasing several different life insurance policies as a solid financial investment. Life insurance can protect your company from financial loss, liabilities or instability in the case of death. 

Here are a few ways life insurance can assist your business:
·   Ease the exchange of business ownership if you or a partner retire, have a disability or die – without depleting the business’s capital.
·   Assist you in maintaining your business through tumultuous times by providing short-term cash flow, sustaining your operations and keeping suppliers happy
·   Provide the funds your heirs may need to ensure business continues to run smoothly

Proper life insurance protection, in the event of sudden death or disability of a founder, can help prevent the derailing of a company, resulting in layoffs, bankruptcy and possibly the collapse of the business itself. For example, key person insurance protects against the death of a critically important employee. In the event of death, the insurance pays the owner or owners of the business.
But here’s something not everyone realizes. Some policies allow you to access cash for your own use while you are still living. Several available options are usually referred to as “living benefits.” The money in the cash value account can be a flexible resource to help you reach financial goals. (But, you should know that using a policy’s cash value could reduce the death benefit, shorten or cancel a guarantee, or cause the policy to lapse, and may have tax consequences.)

Just like finding the perfect outfit to make a presentation to a potential new client, a life insurance policy should be a good fit, reflecting the scope and scale of your business. Evaluate your individual insurance needs based on your level of debt, income replacement and future obligations.
A Financial Professional can help you with a plan to deal with these retirement uncertainties and more. Click http://www.pruboss.splashthat.com to request to speak with a Prudential Financial Professional in your area. He or she will contact you. Or if you want to read about your options regarding the types of business life insurance available to you…check out this summary: http://bit.ly/2g1Zgw7.
Overall look at life insurance as a protective shield for yourself, your family, your investments and your future. It can help safeguard your assets, create an inheritance and ensure that you pass wealth to the next generation.  

What is Term Life Insurance?
   A term life insurance policy provides a guaranteed benefit for the period, or term, you choose – usually 10, 15, 20 or 30 years.
   During that time your premiums, the amount you pay for coverage, can remain the same. No surprises.
   Term coverage is relatively inexpensive when compared with 
     permanent policies.

What is Permanent Life Insurance?
  Can last for your entire life as long as premiums are paid. Most permanent policies offer
the ability to build cash value.
   Each time you make a premium payment toward your permanent policy, a portion of that payment
covers the cost of your insurance and policy fees and the remainder is placed in your cash value account.
   There are several ways permanent life insurance can help you while you’re still living. To learn more, check out “The Best-Kept Secret of Life Insurance” http://bit.ly/2nMcoHj

Sponsored by Your Partners at Prudential

The BOSS Network® and The Ladies That Lead Tour are trademarks of the The BOSS Network, Inc., which is not affiliated with The Prudential Insurance Company of America or its affiliates, Newark, NJ. Each company is solely responsible for its own financial condition, content, liabilities and contractual obligations.  0308735-00001-00

Monday, November 6, 2017

Remember Why You Started by Sharice Bradford

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Everyone has various reasons why they became an entrepreneur, or started a business or chose a particular field in life.  There is something behind the decisions we make or made that led us to where we are today or where we are trying to go.  There are also times however when you want to quit, when you question your decisions and when you feel like giving up.  Don’t! Ultimately, it is important to remember why you started. 

For me I always wanted more out of life.  Working the good government job was not all that this life had for me.  God wanted more for me and most importantly, I wanted more.  The road to entrepreneurship is not easy.  There are many bumps on the road.  There were times when I questioned my decisions, there were times when I was afraid of investing in myself, what if I needed that money, but ultimately, God continues to remind me that I have never failed, and that God is always there. I also had to remember why I started. 


On this road to entrepreneurship, and work/life, remember why you started.  Remember what made you happy about the work that you do.  Remember how you felt when you took that first step.  The fear mixed with exhilaration.  That feeling as if you were on top of the world, that feeling that made you proud of yourself.  And every time fear or doubt arises, feel it and then move one step closer to your goal.   Feel the fear and then move.  Whenever you feel those moments of frustration, or that it is too hard, remember why you started and keep pushing toward your goal.  You can do it!  

Learn more about Sharice Bradford via her website at www.structuredsoulwellness.org and follow her on Twitter @CoachSharice7

Do You Really Need to Start a Nonprofit? by Tisa Silver Canady

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I meet a lot of people who say, “I want to start a non-profit.”  I encourage the spirit of giving but not every worthy cause requires creating an organization.  The process of starting a nonprofit involves more than picking a noble cause and a nice name.  You will need to get the government involved to make things official and before you go that route, you need to figure out if it is worth the investment.

What does the “charity” designation mean?
The charitable organization designation is granted by the Internal Revenue Service (IRS).  A normal business organization is typically setup to generate profits for the benefit of its owners. On other hand a charity is setup to raise money (and not necessarily profit), for the benefit of others. The IRS designation means that your organization’s purpose is one that should benefit the public.

What is the purpose?
Charities benefit the public and carry benefits for their supporters, particularly the tax-exempt status and the ability to receive tax-deductible donations. A charity does not have to pay federal taxes and people who donate to public charities can claim their donations as tax deductions. These benefits are at the heart of determining whether you should pursue the official designation for your cause.

Do you need the charitable status?
If the vision you have for your cause is one that involves a large amount of money or money from outside sources, then you should seriously consider obtaining the charitable status.  There are plenty of compelling causes, but the tax benefit provides donors (both individuals and businesses) with an incentive to donate to your charity.  On the other hand, if your cause is a small, non-recurring effort then it is likely not worth the time and money it takes to involve the IRS.  Setting up a nonprofit includes an initial application with a fee, as well as annual reporting and governance requirements.

Here are some ways you can give without officially getting the charity status for yourself:

Donate to an existing charity – Is there another organization already doing what you want to do? If so, do some research on their projects, search for reviews, and attend an event if you are able. Learning about the organization will help you decide if you want to trust it with your donation.

Find a fiscal sponsor- In some cases, you may find an organization that will allow you to attach its charitable status to your cause.  Essentially, you do the work and receive the benefits of having the charitable status without having to obtain it yourself.

Give the gift of an experience – You can ignore the financial side of giving and opt to give the gift of time.  Mentor a child or volunteer at a hospital or senior center. A small gift will have a significant impact.

Whether you need the charitable status or not, give back and give thanks!


To find out more about Tisa Silver Canady, visit her at:

Sunday, November 5, 2017

How to Lead a Dream Team: Lead by BEING … by Tamica Smith Jones

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It is common to think of leadership as command, control or some form of management. As a leader I think more in terms of guidance, support and influence.  There are many different leaders and I believe we get to choose our leadership style like a golfer chooses clubs.  Consequently, there is a time and place for a combination of leadership styles depending on the matter at hand and the end goal.

Working with many people and organizations the past 20 years has helped me value the team approach, which offers diverse perspectives and challenges status quo.  As a director, it is critical to engage and empower others.  At the highest levels, it is more efficient to “major in the majors” or focus on matters that perhaps only you can attend.  Building a team you can trust allows you to be more effective and efficient with the ability to delegate more.  With that, today my leadership is more inclusive and experiences extraordinary success.

I am privileged to lead daily by inspiring young people toward their goals, assisting coaches and athletic administrators with a plan to create success for our student athletes’ academically, athletically and future alums who make a difference worldwide.  When leading in a new environment I have adjusted best by listening and learning all the while modeling the behaviors I expect of others on the team.  Good leaders are good listeners and instinctive navigating amongst a diverse constituency. People are more responsive and supportive when they observe you are in tune to their needs and demonstrate an effort to provide them with fundamental direction and support towards their goals.

Leading a team is most rewarding when day-to-day business creates great experiences and returns that prove each person played a significant part.  I believe leaders must acknowledge and reward individual and collective impact on successful outcomes.  Praise and incentive given to the people getting the work done shows value.  The best teams are visibly “all in.”  They find a way or make one.  They don’t wait for things to happen but make things happen.  They protect a positive, result driven leadership culture.  With that, team members who feel appreciated and recognize contributions matter will unconditionally commit to excellence, amidst challenge, controversy and change.  

In close, critical components of leading a team include:
Lead by modeling the behavior you expect to see;
Apply mission, vision and core values of the organizations;
Exercise transparent communications which includes policies and procedures, clear instruction and expectations and support when dealing with adversity;
Perform honest evaluation and constructive feedback frequently;
Dialogue with team members relative to their career goals to be aware, advocate and aid as a leader in advancement opportunities;
Demonstrate an inclusive and intentional approach for developing more leaders and a succession plan;
And ensure everyone on the team is representing a positive leadership culture, creating an energy where others want to be a part.

Leaders understand the brightest people help others shine!



Learn more about Tamica Smith Jones by visiting www.gohighlanders.com or her website www.tjsportscomplete.com and follow on Twitter: tjsports23.

Feeling Stuck? My Top 6 Strategies to Go From Stuck to Unstuck by Jena Bell

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Being stuck is not an option when you are stepping into your greatness, but it can be an
unconscious choice you make everyday. Look around you. Do you notice unfinished projects,
TO DO lists with aging items, messy working areas? What do each of these observations have in common? Inaction and evidence that you may be mentally stuck.

Being stuck doesn't always feel stuck because in your mind you are moving forward. You generate great ideas, the journal is full, and long hours are spent studying your craft while working diligently to get ready. You are excited and anxiously waiting for all the forces to perfectly align so you can jump. You see things happening in your mind every day.

Ask yourself one question, how long have you been waiting to jump?

If you are like I was just three years ago, your response may be “awhile”. I had to be honest and own my truth. I was mentally wrapped in feelings of not being enough. Even after 30 years
of business experience, I was telling myself I needed to learn more, do more, study more, you name it. I had to get ready to get ready to be ready! Sounds crazy, it was crazy! I reached a
point where I was tired of waiting. I had to get out of my way and stop the storyline of “not enough”. I had to JUMP! What I recognized, I was more than enough and I was ready. I had to
summon the best of me with courage and conviction to jump forward. If you find yourself feeling stuck, experiencing uncertainty, here are my top strategies to go from Stuck to Unstuck:

Recognize the signs. They can vary from person to person or situation. The common thread is inaction.
Break your emotional cycle. This is an abrupt physical movement. Move around, clear your head, go for a walk to shift your energy.
Break your mental cycle. Meditate. Meditation is one of the best forms of self-care and practice of mindfulness. During your meditation, focus being present in the moment. For me, it’s my time to reconnect with God, reaffirm my faith and beliefs.
Change the stories you tell yourself. Fill your mind and spirit with positive “I, AM “affirmations and stories of your courage, great mental strength. Remind yourself of your greatness and gifts. Practice forgiveness and gratitude.
Focus with clarity on your WHY. Why are you in your business, the legacy you want to create and the impact in the lives of the people you serve.
Reprioritize and focus on the actions you can take to reach your goal. Set intentions with timeframes and dates. Don't overwhelm your list. Break it up into sets of three and focus on completing one set at a time.

Practice these strategies often to release positive energy flow and to create meaningful daily victories. Celebrate each completion as you move closer to your goal.

To find out more about Jena Bell, visit her at: www.jcoachinternational.com Twitter: @jenalbell