Self Employed vs. Business Owner

By: Myracle Stevenson

Self-employment and business owners are more or less the same but with different terminologies. Let’s understand the specific terms and then compare and contrast both.

What is Self-Employment?

Self Employed

Self-employees are those who are their own bosses. In simple words, a self-employed person is the one who utilizes his or her own skill sets and talents, time and energy to earn for himself.  They work for themselves and meet and contact the clients on their own too. They do not receive any fringe benefits like health plans and vacations. They are responsible for paying taxes too. There are two types of self-employment:

• Sole proprietor

• Independent contractors

An example to understand who self-employed people are can be a person freelancing from home. He does not need leadership skills or any such skills to influence others.

Business Owner

What Are Business Owners

It is what it means. These are those people who own businesses and have to manage them. A business person needs to have leadership skills, motivational skills. Knows how to create opportunities and grab them and how to be effective and efficient in the use of resources. They leave a legacy behind once they die. Their income is the profit they make. Here's a few examples of business owners: Coca Cola, Amazon is a business and their CEOs or owners are the business owners. 

DIFFERENCES BETWEEN BEING SELF EMPLOYED AND A BUSINESS OWNER:

The difference between a self-employed person and a business owner is that a business owner has ownership or have shares of the business. He or she is not involved in the daily task that takes place.

A self-employed person needs to work if he wants to earn. The moment he stops, he stops earning too. On the other hand, a business owner creates the whole system where even if he does not work, he will still get his income. For a self-employed person it is important to perform the assigned task whereas a business owner hires other people and makes job opportunities to carry out the tasks.

He doesn't have to work every day. His income stops when his business comes to an end. Self-employment has its own set of challenges, it is very likely that if you are self-employed you do not have a lot of free time on your hands as a business owner does.

Self-employed people work FOR and IN the business whereas a business owner works ON the business. The primary concern for the business owner is to see how the business in working, to make critical decisions and to come up with strategies for the growth of the overall business. Whereas a self-employed person is concerned with the task that has been specified to him or her, they are concerned with the now and think about the present whereas the business owners are primarily focused on the large scale and the future of the business.

Exploring The Importance Of Video Marketing

Guest Post: By Helen Clark

Understanding the Importance of Video Marketing

Even before the internet, video marketing was one of the main marketing branches, and the online world has only made it bigger. Today, companies are using it to advertise their services or products, build customer reports, and promote their brand. In the US alone, the Video Marketing segment amounts to $35 billion in 2019. The trends are telling us that this industry will experience steady growth of 10.6%. Experts believe that the video marketing segment will reach the market volume of $52 billion by 2023. What is the reason behind this? To help you answer this, we’ve included a list of facts that show the importance of video marketing.

It’s What Consumers Love

Consumers are yearning for video content. According to recent reports, 85% of all internet users in the US watch video content every month, and the same trend appears across the globe. There are subtle demographic differences, but one thing is for sure – consumers love video content.

Video Marketing is Expected from Brands

Video marketing has grown huge for another reason – brands are expected to deliver it. Faced by an exponentially growing demand for video on the advertising market, brands have decided to embrace its full potential. Currently, more than half of consumers of all ages want to see more video content from brands and companies they support.

Video Marketing Increases Sales and Conversions

Video marketing has become a failsafe marketing investment. Since videos can increase conversion rates up to 80% when placed on landing pages, more and more companies are deciding to abandon text and image content, and invest purely in videos. On top of that, video can optimize the sales funnel, to the point of directly leading to sales.

Boost Social Media Presence

Videos can be found on almost all platforms online. Thanks to their share ability, they can also be found on social media where they play a vital role in any brand’s overall marketing strategy. Do you know what the favorite type of content that consumers like to see on social media is? Videos, of course. On top of that, 73% of consumers say that they were under the influence of a brand’s video on social media when making a decision.

Video Marketing is Affordable and Shows Great ROI

With so many video marketing agencies on the market, the price of their services has gone down significantly. Today, video marketing is not only reserved for enterprises but also for startups, small and medium-size businesses. More than 80% of businesses find video marketing to be an investment with a great ROI.

Better Rankings

One of the major factors popular search engines take into consideration when ranking your website is the time that visitors spend on it. Since videos are more engaging, your website visitors will spend more time on your website, increasing your rank in the search result pages. You can also upload your videos on YouTube and add links to your website in the video description to drive even more traffic to your website.

Video Helps Your Build Trust

Before you can start seeing those remarkable reports from your sales department, you have to build trust with your customers. Purchasing services and products online are not the same as in retail shops. Give the consumers the opportunity to get to know you, your brand, and what you offer via videos. Build trust and long-term relations, and you will see those sales numbers spiking through the roof.

Explainer Videos Are Very Popular

Video marketing does not only refer to standard commercials, but to reviews, how to guides, and explainers. When online people want to do some research before buying a product or service, in fact, a staggering 98% of them watch an explainer video before making a purchasing decision. This is why you can see more and more landing and home pages featuring an explainer video right at the top.

Videos Are Easy to Recollect

A brand recall is one of the most important metrics to look at when assessing how effective a particular marketing strategy is. In other words, it stands for the figure of people who have seen the ad and remember the brand that was mentioned in it. Since well-made videos are engaging and interesting, people will remember your brand better. This creates more leads and boosts sales.

Videos Capture User Attention

Videos incorporate both visual and auditory stimuli, which is why they can capture the intent better than any other type of content used in marketing. This is very important, especially today when the attention span of the average online user is very low.

Why a Professional Video Editor is a Must

Opting for the services of a professional video editor has many advantages, including:

Speeds Things Up – professional video editors can deliver the final product in considerably less time than internal teams.

Meeting Deadlines – meeting deadlines in the marketing world is essential, and a professional video editing company delivers the video in time to seize the opportunities on the market before they disappear.

High-Quality Product – video editing companies make a living from high-quality videos. Their reputation is always at stake, which is why you can expect to receive the best video for your investment.

Experience – experience is a huge factor in making marketing videos. Professional teams

working in video marketing companies have years of experience and thousands of happy clients

behind them.

It’s Easy – hiring a professional video editor is easy, especially today when all the best ones can be reached online. If you are looking for a video editor, you should check out VCD – a professional video production company. VCD will be able to deliver custom-tailored high-quality marketing videos and help you reach your business goals.

Entrepreneurship Is In High Demand

By: Myracle Stevenson

Millennials are going more and more towards entrepreneurship because of the age and environment they have grown up in. This age and today's era is all about market giants like Mark Zuckerberg, Steve Jobs, and Jeff Bezos, etc. These entrepreneurs are ruling the world and inspiring young adults into starting their ventures. Studies have shown that people now are going more towards business studies than any other profession. 

Millennials crave a lifestyle that is of an entrepreneur. They believe that by starting their businesses they can earn two things: Success and financial independence. The idea of a corporate culture, where one has to work under someone else from 9a-5p 5 days a week, is appalling to them. They believe by owning their own business they have the security which these corporate jobs cannot provide. 

Before this generation, it was considered anyone can do business. Business studies were not considered important or crucial for starting a business. However, this has been proven wrong. Studies have shown that people who have studied business get success earlier as compared to the ones who have not. They know how to tackle situations and how to handle risky tasks. When they start their business, they know the gravity of their situation and what they have gotten themselves into. 

ENTREPRENEURSHIP AND ECONOMIC GROWTH

Entrepreneurs are creating more employment opportunities. They are bringing in new products and using the latest technology which has ultimately led to increased productivity. Entrepreneurs not only invest in their businesses but also give financial support to local houses. 

SOCIAL PURPOSE

Studies have shown that most of the businesses run by these young entrepreneurs are driven to bring a social impact. This passion leads them to climb new stairs to unlock the achievement and bring a social impact on society. 

ENTREPRENEURIAL TRENDS

In 2019, we see most of these new ventures that take place are revolving around one cause and that is for the betterment of the planet. We see products like reusable bags, reusable cutlery, etc. are more in trends today because these entrepreneurs want to protect the planet and make it a better place for the upcoming generations.

Apart from that, today's ventures are technology-oriented. The motive behind these ideas is to make the lives of people easier and simpler. One of the best examples is how we see websites like Daraz.pk, Amazon, and Ali express which allows people to sit at home and buy things of their choice. The idea is to make it convenient for everyone. 

MAIN REASONS WHY ENTREPRENEURSHIP IS IN DEMAND

Here is the gist of why entrepreneurship is in so much demand now. First and the biggest reason is that millennials believe in being their own boss. They want to change how things were done by GEN X. They want the top-notch lifestyle and financial independence. Other than that, the economy is run by entrepreneurs, they create opportunities and are the real problem solvers. 

Transitioning from 9-5 employee to CEO

By: Myracle Stevenson

Introduction:

Did you ever think about becoming your CEO? Well, there are millions of employees or millennials who are planning to leave their corporate job and work for themselves. They want to become the CEO. This massive and risky step has been taken to either grow or utilize time in multiple productive activities. The corporate job makes you a corporate slave in the end. You are all the time occupied and it makes you stuck in one field with one company. You work like a robot and end up working like this for the rest of your life. Many people are becoming aware of the fact that they have somehow become a corporate slave. And now they have taken this risk associated step to switch their job.

The traditional working hours affect the hidden talents:

Individuals who are highly talented and deeply passionate about achieving something in life are not comfortable working in these 9-5 traditional working hours for companies. They want to utilize their precious time in growing and do multiple productive activities to experience a greater vision of life. Some also do this to double or triple their monthly income and earn more than what they were earning in their corporate jobs. Therefore, several hidden talents in an individual do not come out by just doing one thing routinely. There has to be something interesting which leads to consistency as well.

Some reasons why employees want to transition:

There are several reasons due to which employees are resigning from their corporate jobs and pursuing to become an entrepreneur. These reasons are as follows:

• They want more control over their career and want to stay away from hindrances.

• They want to change their careers.

• Some switch for financial reasons.

• Some leave for family, health or unfit timing issues.

• Many want to learn new skills.

• They want to begin their startup

• They do not find their job interesting or satisfying.

• Some become investors as partners in other businesses.

• Some are taking courses to learn about a new field.

Are these people happy once they switch?

Apparently yes! They are considered to be the happiest and satisfied people in life. They are not following any already set norms, rules, and regulations. They just want to learn from different experiences. They enjoy greater career satisfaction than those with traditional working hours. They are self-employed and enjoy their journey by experiencing interaction with different clients. These people eventually turn out to be great businessmen and women because it's all about their interest.

Mindsets that need to be changed to become an entrepreneur:

• To become a great CEO or entrepreneur you need to shift your mindset towards business. You need to keep in mind a few things:

• You are solely responsible for your entire decision making.

• You need to have clear visions.

• Make your comfort zone in your new work.

• Learning in your entire journey.

• Know the objective of your business.

• Play smart in every deal you make.

• Start now, do not procrastinate!

Harsh Realities About Your Faith

By: Team Myraculous

Faith… Believing in something you can’t see.

First, let me begin by saying that The Myracle Mile apologizes for our sabbatical in August. It has been a very busy time for us, nevertheless, we apologize for not being consistent and allowing distractions to seep in. We were so focused on growing the business and moving at a certain pace, that it essentially threw us off track. You see, what we have come to understand is that God won’t do the work for us. He has left all the tools down here on earth for us to succeed. This means we have to keep the faith and believe that we will overcome every obstacle and that what we put our hard work into will flourish. We all know that faith without works is dead, so I urge everyone reading this to put forth the effort and have faith that it will all work out.

Whether you believe in a higher power or yourself we all can agree to the fundamentals of success. We failed to stay consistent and put in the work that required attention. We focused on one area and not the rest. And so, the lesson that was so profound yet, immensely simple STAY CONSISTENT in whatever we have committed ourselves too. Whatever you started, be sure to finish it!

Keep faith in what you have found hope in!!! Remember that consistency brings growth!!!!

Failure Is Not An Option

By Myracle Stevenson

But Ruth replied, “Don’t ask me to leave you and turn back.
Wherever you go, I will go; wherever you live, I will live. Your
people will be my people, and your God will be my God. Ruth
1:16

Naomi lost everything except Ruth, her daughter-in-law, who kept her faith and stood by her mother-in-law no matter the obstacles that they may endure. In long travels, this Moabite woman and Naomi went into the land of Judah where they started new lives after the death of their husbands. By law, next to kin would need to marry her to honor her late husband and bear her a child in his name. As the story continues there were no takers because of the clan she had come from. Yet she wasn’t discouraged and continued to keep her faith in God. Eventually, God blessed her with a Godly man who was also kin of her late husband; wealthy and prosperous and became the solution to Ruth and Naomi's solitude and poverty. His name was Boaz and he loved and treated Ruth and her mother-in-law with kindness and together boar a son and started the bloodline that Yeshua would be born into.

As you can see what we may see as our failures God has a plan to turn it into greatness. We can’t just give up, we have to keep pushing until we have accomplished our destinies so that greatness can continue to grow through future generations. Once again failure is not an option if we fail the future fails, so let us make a difference.

Myracle's Passion

By Myracle Stevenson

We all have a dream and a passion but how far are we willing to go to make that our reality? When being an entrepreneur you will understand your beginning is always an idea, then you create a plan, and execute the plan. Your business becomes successful based off of your passion if you dislike what you’re doing, you’re most likely not going to put in the effort of building success. My favorite scripture is Jeremiah 29:11 which says,

“I know the plans I have for you, says the Lord. They are plans for good and not for disaster, to give you a future and a hope.”

Photography was a stepping stool to my real passion. Of course I love the art of being behind the camera and catching images that the naked eye wouldn’t see. They’re right when they say there are a thousand words in a photo. The joy that it brings me is unexplainable and I’m proud to say that my passion came from my grandfather. After he passed my grandmother gave me his Sony Minolta which he used when he traveled and with every opportunity the perfect shot was available. Because I was obsessed with what happens behind the lens, I always took classes necessary in photography. Before I knew it I began to network and so it began the creation of my business.

My real passion is to run a worldwide one-stop-shop in the Multi-Media industry. My passion will forever be with photography but it has also grown into a business woman enhanced with Business Development skills. It has been said that great photographers make horrible business people, so I had to make the decision that I’m either going to be the best photographer there ever was, or run a successful business. I’m building to develop jobs for creatives like myself where they’re not subjected to a 9-5 and are able to exercise their strengths. This is my future and I intend to execute my plans by the grace of God.

Obedience Is Better Than Sacrifice

By Myracle Stevenson

A sacrifice is an act of giving up something valued for the sake of something else regarded as more important or worthy.

“And athletes cannot win the prize unless they follow the rules. - 2 Timothy 2:5”

Journey

Knowledge is power but it takes obedience to learn the lessons taught. Like an infant, you have to crawl before you walk and when you learn these milestones proceed in faith not sight. Guidance is a gift to help you achieve the purpose you were sent to accomplish. You will have many teachers but learn to be cautious of false teachings. Make use of the resources around you to educate yourself in the knowledge you seek. Listen to the steps that were laid at your feet and don’t venture off the path.

Faith gives you hope that even in failure you know you will overcome because of your belief in God. There will be trials and tribulations along the way, nothing that comes easy will last long. Your heart aches, failures, etc. are lessons that will empower you and strengthen you for the purpose God has for you.

CHANGE IS GROWTH

“If we don’t change, we don’t grow. If we don’t grow,
we aren’t really living. Gail Sheehy”

By Myracle Stevenson

Understand when in pursuit of building a company, you’re going to come across many changes and more to come. It’s easy to start a business but growing one is where it gets tricky. Take this scenario for example: The business has opened, the grand opening was a success and the first half of the year was prosperous and then you hit a drought, what's your next move?

Time for a change, a good business owner is always prepared so they don’t have to worry about having to get prepared because a situation has arisen. They’re always ready for change because they understand that change means that they have the capability to grow and expand. Without that mentality, the Business will succumb to failure and eventually end up closing its doors.

New generations are the future, it is a must for businesses to keep up with the next big thing and this requires change. To stay on top they have to out compete for their opponents, which means new ideas, different plans, and more opportunities. So you see change is growth but if you’re comfortable and feel safe best believe the next big thing is coming and your time as a business owner will come to an end.

Don’t Despise Humble Beginnings

By Myracle Stevenson

Small opportunities can be destined for greatness. Think of all of the well known multi-million dollar businesses such as Amazon or Apple, both started as an idea, then grew into a small business, and became momentous. Let’s go over some of the steps they took to accomplish their success.

1. Created an idea/plan

2. Research/education

3. Trial and error

4. Resources

5. Focused on one product

6. Advertised and networked

7. Found their worth

8. Executed the plan

9. Expanded

10.Invested

It is a process to build a business and if you don’t put your time and effort into building your business every little step of the way, it won’t be prosperous. Like a tree that needs water and sunlight to grow without the proper care how can it bear its fruits? This would be the time to sit down and grab your laptop, tablet, or pen and paper to start jotting down ideas and taking notes. Stay tuned for more insight.

WEALTH Is Your BIRTHRIGHT!

By Myracle Stevenson

Being wealthy can be the riches that you were born with, inherited, or built up to luxury. Some of us are blessed with it being easily handed to us and others are blessed through sweat and tears to gain that wealth. But what is being wealthy to you? Is it just the money and the fame that you desire?

Gaining fortune is one thing but keeping it is another. Say you have now built your multi-million dollar business, how do intend to prevent going bankrupt? What are your back-up plans when plan A, B, and C fail? Keep the mindset stay ready, so you don’t have to get ready!!

• Investments protect your millions.

• Multiple accounts will keep your money safe and away for easy access.

• Charities are tax write-offs (You get to help those in need and save money at the same time).

• Bonds protect monies for a long period of time and cannot be accessed until the allotted time.

“Just as the body is dead without breath, so also faith is dead without good works. James 2:26 NLT”

We all have access to the Kingdom of God but only a few of us will inherit it. Meaning we have all been presented with the opportunity to be wealthy but how many of us are willing to work for that lavish life. Remember James said it best.

Flourish in who you are meant to become. Whether you are wealthy by the world's standards or by biblical standards. With love surrounding you, your fruits are plentiful, you're healthy beyond measure and alive and joyful. This is the true meaning of what it is to be wealthy. Live in a Godly manner, love, be at peace, be obedient so that you may inherit the kingdom of God. He calls you royalty, princes and princesses, now who can speak on your worth, but Him? True success and wealth are to find your purpose in life.

Who Put A CAP on Your Capabilities?

By Myracle Stevenson

The human species is extraordinary, our minds are so complex, literally, we can do whatever we set our minds too. Somewhere down the line, we allowed criticism to enter our ears and affect us negatively. Yet we’ve learned to crawl, then walk, and eventually run from once not being “capable” of doing these things.

We’re created to be multitalented and to create with endless possibilities. We are more advanced than any other species known to man so why stop at just one capability spread your horizon and become who you were meant to be.

You want to be a scientist while being a juggler in a circus be it! You want to be a Doctor and at the same time create art then do it! You want to build a legacy and run a business but still be an employee what’s stopping you?!

Don’t let anyone discourage you from the path that was predestined for you. Life was created for you to explore and discover. I encourage you to do it and unlock all the secrets, not just some. Set the plan, execute it, and become one that controls their capabilities.

Mailbox Money

“FUN FACT: 47% of the world’s wealthiest people are an entrepreneur.”

By Myracle Stevenson

Keep letting different hands touch your money one day someone is gonna have sticky fingers. Make your bread in silence, have multiple schemes and execute them. Don’t let the game of hustling catch you slipping, own it, you make the bag and turn it into a milli.

“J.O.B means Just Over Broke”

Ever dream of ways to make money in your sleep? Allow me to be the bearer of great news; YOU CAN! There are multiple ways of making money without having to “work” for it and it’s all LEGAL! Understand your worth, if you bow down to a 9-5, you must be willing to accept that you’re making someone else a millionaire while you’re just living comfortably?! The amount of time and energy you put into your job, you could be investing in yourself.

Ideas to Increase Your Account

• Investment -> putting money into something that will build interest and make you money such as stocks, bonds, etc.

• Side gigs -> if you have a hobby/expertise outside of your 9-5, put it to use, why not get paid on the side doing what you love.

• Small business -> open a small business to bring in revenue start small and build your way up, sales mean money.

• Multiple j.o.b’s make more income if the company you work for refuses to give you more hours or pay overtime to get employed by different options, don’t limit yourself.

• Look into royalties, dividends, earned income, profit income, interest income, rental, and capital gains.

Always remember, you need seven streams of income to make a million dollars.

“I’m prolific, so gifted,

I’m the type that’s gon go get it,

No kiddin’ -Nipsey Hussle”

If It's Gods Will, It's Gods Bill

By Myracle Stevenson

Have you ever planned something and things didn't fall through as you expected? Many of us like to move off of impulse instead of being patient and planning thoroughly. We create the idea of wanting something but don't think of the consequences whether they're good or bad. Understand that your actions are your responsibilities but, if you move in the way of Gods plans, there will be no worries of failure. Why put our hope and wishes in the hands of flesh when we were promised so much more? I will not settle for less!

“For all of God’s promises have been fulfilled in Christ with a resounding “Yes!” And through Christ, our “Amen” (which means “Yes”) ascends to God for his glory. 2 Corinthians 1:20”

Everyone has come across people who have told you no or that you can't but who are they? When your relationship is strong with God and you obey his law, a true child of God, who on earth (literally) can dictate what your destiny is? Now understand that not every yes is from God, remember he has also blessed you with free will. If you purchase something you could not afford and go into debt don't turn around and blame God
because you were out of pocket. If you want something to find clarity, try meditating, fasting, and asking God for guidance. Keyword; ASK and you shall receive. God will bless those accordingly, nothing is free, but when he blesses you trust and believe that he has prepared to take care of you to see you through in the blessing that he has promised to show his glory.

“He will cover you with his feathers. He will shelter you with his wings. His faithful promises are your armor and protection.Psalms 91:4”

Your accomplishments are because of God what was given can also be taken away. Some people will always struggle because the desires of their hearts are
wicked. When you live in the things of God, he will take care of you it's quite simple. Some people are going to try to tear you down and of course, the devil and his demons don't want to see you prosper but remember our father is God almighty. Whatever may come your way to cause your downfall just know he is right there ready to turn those situations into something good. Nothing can destroy you when it is his will and like the title say if it's His will it's His bill. This means if it is what he commands, he takes the responsibility of keeping you on track as long as you continue to live by his word, you will forever be under his protection.

By Myracle Stevenson

Do You Want to Win Or Look Good Losing?

What do you want to be your greatest accomplishments? What kind of impact do you want to leave behind? Win by what you love to do, if you excel in something that doesn’t bring you joy, it may allow you to be the top dog and look good in everyone else’s eye but in the end, you’re only cheating yourself. Let's admit there are many jobs out there that we can’t stand but we work them because we “have to,” who in tarnation put a
limitation on you?

Of course, hard work and time have to be put into your long term goals,
dedication is a key to your success. Build your plan and stick to the path
that was built for you to win. You should be at peace and have joy in your
purpose. It should be a hobby, not a job, shoot for bigger and better
blessings.

“Winning takes precedence over all. There’s no gray area. No almosts. -Kobe Bryant”

Who you choose to be and how far you allow yourself to go, depends on the actions you take. Build your legacy but take the time to write out your steps and seek out the right guidance. Don’t allow yourself to get stuck in what is expected or what makes you look good. Don’t live the rest of your life with uncertainty and become the loser no one else sees but your reflection.

Guest Post: By Dennis Grizzard (Grizzard Credit Consultation)

DON’T LET BAD CREDIT HOLD YOU DOWN

Business Credit 101

The number of people who are released into the “real world” after high school without knowing the basics of the utilization of credit is alarming. The goal of my company is to help fix what is broken, rebuilding the credit score while educating the client on maintaining their newfound positive credit. For example, many banks will not authorize a business loan to most business owners but if one has a good enough credit score, one would be able to leverage that positive credit into credit cards and other lines of credit that could be used to jumpstart one's business. I will cover the basics of building and maintaining credit to at least help steer readers in the proper direction.

Credit Score 101

What is the makeup of a credit score? The first thing is first, payment history makes up 35% of the credit score. With that said, a late payment hurts the credit score more than any on the negative mark, so be sure to pay each bill on time and in full every month. Next, credit utilization makes up 30% of the credit score. That means the more use of your available credit, the more the score will drop. Essentially maxing out a credit card is almost the equivalent of missing or making a late payment. Third, the length of the credit history makes up 15% of the credit score. Each time new credit is added, it drops the average age of credit. For example, If a person has 1 credit card and it has been active for 8 years, adding a new card would bring it down to an average of 4 years and will temporarily bring the score down. My suggestion is to add most of the credit around the same time without worrying about the score then most of the credit on file will age together which will diminish the negative effect of adding a new card. Fourth, New accounts will temporarily drop the score because they are 10% of the credit score. Adding new accounts is not bad for the credit score but their initial effect could look counterproductive. It is not by coincidence that earners of an 850 credit score tend to have over 21 accounts but the accounts are managed properly. Lastly, the credit mix is worth 10% of the credit score.

Credit Profile 101

Credit mix is for example; a credit card, an auto loan, and a mortgage, that would be 3 types of accounts. Types of accounts and the average age of credit history are two areas that are hard to control while building credit but fortunately make up a small percentage. The fastest way to begin building is to take a look at one's credit profile, look for things that can be deleted, and add credit that matches the current score. Business owners can look for easy ways to establish business credit without a personal guarantee and use these unsecured lines of credit to build the business. Most have 12 months of 0% financing. Credit repair starts today and can be the key to financial freedom and generational wealth.

By Myracle Stevenson

Job, Career, Or Calling

J.O.B: Just Obey the Business

C.A.R.E.E.R: College Allows Resources into Evaluating Everyone’s Riches

C.A.L.L.I.N.G: Christ Anoints Luxurious Living In the Name of God

Anybody can get a job and work towards a career but it takes a soul searcher to find their calling. Say running a business is your calling, if it is, you will thrive and flourish because that is what you were called to do. You may have been blessed with this calling to make a difference in society and to nurture the less fortunate and help bring jobs to those in need of one. Most businesses donate to non-profit organizations and charities to help those that have none to less than most. You were called to help those that are homeless, widows, orphans etc., be the change in the world you want to see.

Careers and jobs are stepping stools to prepare you for your destiny. Like in nursing or the medical field in general, you train to care and treat those that are sick. When you excel in this career path and it brings you joy and peace to help others, you have been called to heal. Whether it be through the mind, body, or spirit you were called to bring peace to the suffering.

Parenting is a job that never ends. This should be the only business that you obey because you were called to raise the child on a path of righteousness. You are the core of how the next generation will flourish.

Romans 8:30 “Moreover whom He predestined, these He also called; whom He called, these He also justified; and whom He justified, these He also glorified.”

By Myracle Stevenson

CHASE PURPOSE NOT MONEY

“Money is numbers, and numbers never end. If it takes money to be happy, your search for happiness will never end.” – Robert Nesta Marley”

We’ve all heard the saying, “the love of money, is the root of all evil,” so why do we choose not to heed the warning? Take a second to ask yourself, do you have a roof over your head, clothes on your back, food to fill your belly? Take a moment to think about the people in the world that don’t have a pinch of what you have been blessed with and yet you’re still unsatisfied. You can have all the money in the world and lose yourself because the purpose that was meant for you has become secondary to your selfish desires. Many go the rest of their lives not knowing an ounce of their purpose and some stray away because the path is too complicated for their taste.

Success will come to those that seek their purpose and live out thier calling. Those that chase the amount of a dollar will never be satisfied and will lose out on the things that matter. You will end up losing more than you have gained in your chase for money and lose sight of why you started your journey to begin with. Search for your purpose and chase after it so that you will find peace and flourish in all that was promised to you. Believe in yourself even when no one else does, people will come and go but your purpose will be who you are forever and always.

Comfortable Is The Enemy Of Excellence

By Myracle Stevenson

Being comfortable hinders the growth of your full potential. Many people find themselves in unsettling situations because they allowed themselves to accept what they “already know” and “what is safe.” Living in these kinds of shadows will block your blessings. Use this lesson in your everyday life situations whether good or bad.

Relationships

• Business Partners

• Spouse

• Friends

• Courtship

We’ve all been in a toxic draining relationship before (the test run) in this relationship we learn the do's and don’ts in them. Unfortunately, some get comfortable and get used to the toxic instead of removing themselves. Some reasons may be the time and effort put into the relationship which introduces the fear of starting over or being alone. Then there is accepting the toxic acts because you “out love” or “see past” the negativity. These would be some of the negative traits of being comfortable is settling, you shouldn’t want to settle.

Get Uncomfortable

“There are risks and costs to a program of action, but they are far outweighed by the long term risks and costs of comfortable inaction - JFK”

You shouldn’t be comfortable with something your spirit doesn’t agree with. Most likely whatever it is that is making you feel uneasy and doesn’t bring you peace, is not where you want to be. Sometimes walking away from selfish wants will benefit you in the long run.

Heartbreaks and walking away will be hard but it won’t be the hardest things you will encounter. Time will heal; but the more you step out of your comfort zone the more at peace and prosperous in your purpose you will be. You are a ship setting for sail don’t let comfort anchor you down.

Never Underestimate The Influence Of COMMITMENT

By Myracle Stevenson

Commitment-Phobe

“The Pew Research Center reports that millennials are significantly less likely to be married than previous generations in their 20s. And a recent Gallup poll found that the percentage of 18 to 29-year-olds who say they are single and not living with a partner rose from 52 percent in 2004 to 64 percent in 2014.”

It’s a well-known fact that a large portion of millennials is considered to be commitment-phobes compared to that of their parents and/or grandparents. Millennials, in this case, are counted as those in the age group of 18-35.

Why is it that as millennials we are so afraid to commit? Me, being in this category as well, can only speak for myself. I never liked the idea of being “tied down". Whether it meant being attached to one person, one idea, or one thought. I’m a broad thinker and I like to be free. As I grow older and become wiser, I realize I no longer have to run from commitment; I should be embracing it and learning to master it. Commitment in any aspect can be scary. I have friends who are afraid to commit to their significant other, or afraid to have children because they’re afraid of the commitment to the child. I even know people who are afraid to commit to a position in their job or committing to starting the business they’ve talked about for years. The truth is, society has given the word “commitment” a bad rep for us millennials. They tell us, don’t settle on the first guy/girl you fall in love with, date a little, explore your options. Don’t apply to just one job/college, even if it is your dream company/school, put multiple apps everywhere and see what comes your way. I’m not here to debate whether or not today's worldview on commitment is right or wrong. I simply want to display a different vantage point on the subject. For instance, how about looking at commitment as a focal point and honing in

on your innermost desires? If you see what you want go after it with everything in you. That’s true commitment.

Mastering Commitment

Commitment is very influential and can very well be a huge help in your personal life and your business. Successful people commit. Discerning what decisions to commit to will help shape you into an elite businessmen and women. You may have to start with small commitments like I did. I was visiting a church in Riverside, CA (an hour outside my home in LA) when The Holy Spirit told me to commit to the commute. He wanted me not only to join this church but also attend bible study on Wednesday nights as well as Sunday morning service faithfully. I won't lie to y’all, it took me 4 weeks to commit to this. But once I did all sorts of doors and opportunities started to open up to me. I didn’t realize it at the time but God was testing me to see what He could trust me with. The Bible talks about this in Luke; He says, “If He can trust you with a little, He can trust you with a lot” (Luke 16:10). This was seemingly very small to God and me for that matter, but in reality, it was quite the contrary. Me taking this leap of faith and committing showed Him that I trust Him and His word. Another instance where God showed up and showed out is when I was ready to expand my business and open my studio in Riverside. I committed my plans to Him and watched Him work. I’ve seen Him first hand take my dreams and make them realities. I’ve watched God move on my behalf like never before when I committed to Him and trusted the process.

It also says in the Book of Luke, “to whom much is given, much is required” (Luke 12:48). If you don’t take anything else from this article, please take this, the more you have, the more work you’re required to do; this goes for anything in life. Now where I am today, I commit all I do unto God because I know He will bring it to pass.