#45, Women & Their Reproductive Rights

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About three weeks ago, I was quoted in an article by Christine Michel Carter (Forbes), The Unexpected Impact of Birth Control on Female Entrepreneurship https://www.forbes.com/sites/christinecarter/2018/03/01/the-unexpected-impact-of-birth-control-on-female-entrepreneurship/#79fbc119707b, well, the conversation continues as I lend my voice again about women and birth control. In an article written by Jeffrey McKinney (Black Enterprise) Birth Control, Reproductive Rights Key to Black Women Entrepreneurs’ Success http://www.blackenterprise.com/survey-birth-control-black-women-entrepreneurs/, I had a lot to say about how #45 is causing women and their reproductive rights to become an option instead of a necessity.

In my continued effort to speak not only for small businesses but minority and women https://thejegroupzone.wordpress.com/2017/11/07/back-to-basics-for-business-growth/, I am standing in the forefront to help out voices to be heard. We must speak loudly and strategically above the white noise from writing to our elected officials to voting in those that have our best interests at heart. “In order to succeed, we must continue the journey as small business owners with the support from Congress, government and elected officials.”

What are your thoughts about #45, women and their reproductive rights?

Simplify Your Life, Improve Your Character

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What do others say about your character? Are you looking for ways to improve the essence of your being? According to Miguel Ruiz, there are four simple principles that you can consider to help you to improve your character.

In his book, The Four Agreements: A Practical Guide to Personal Freedom (A Toltec Wisdom Book) you will learn the simplistic and profound ways to a path for wellness and well-being.  It is through the choices that you make and the decisions that you enforce that determines your outcome. Everything that we do stems from our upbringing and from there we began to weave and bob through life and where we land is contingent upon our decisions and choices. If you do not like where you’re planted, do things differently. The Four Agreements offers some solutions.

Learn how you can apply Miguel’s four simple agreements of: Be Impeccable With Your Word, Don’t Take Anything Personal, Don’t Make Assumptions and Always Do Your Best to create a  paradigm shift to a new and improved you. It may not seem like it is this simple but in actuality it really is.  Here’s to a new you, salute!

B.E.S.T. Publishing (A Division of Jabez Enterprise Group (JEGroup)
bestpublishing@jabezenterprisegroup.com

What You Say?

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Am I the only one whose child gets embarrassed when I say or do certain things? How did your children feel about what you said or did as they were growing up? Funny, how our children only see us as parents but refuse to acknowledge us as human beings as well.  Put your seat belt on and get ready for a barrel of laughs, and belly aches as you read Sh*t My Dad Says by Justin Halpern. If my daughter knew that there was an audience for my type of sayings despite how off the cuff it may have seemed to her, she would have been able to beat Halpern to the punch by creating her own book.

Halpern’s dad is the typical dad of his time where he holds no punches on what he believes or has to say about life, relationships and the issues that Halpern faced on a daily basis from his childhood to life as an adult. Halpern’s dad choice of profanity helps to bring the points home. Let me give you a little taste of the delectable delicacies that you will find in this book (without the expletive words):

  • Listen, I don’t give a f*** if you forget my birthday. I don’t need people reminding me I’m closer to death. But your mom, she still enjoys counting them down, so cancel your f**** plans and drive down here for her birthday day….
  • Pick your furniture like you pick a wife, it should make you feel comfortable and look nice, but not so nice that if someone walks past it they want to steal it.

While I am not a fan of profanity, I too lived in this world of this unique language. And to read a book that embraces this form of speaking allows me to relive my childhood because I too, had a father who spoke with such eloquence which I adopted as well for a season as a parent.  Regardless, you will continue to laugh while enjoying this compact and easy to read book. If you grew up with parents of this era or was this type of parent yourself, you are in for a treat. Enjoy!

B.E.S.T. Publishing (A Division of Jabez Enterprise Group (JEGroup)
bestpublishing@jabezenterprisegroup.com

Let’s Walk Into Another World

 

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Photo Courtesy: Aldwyn Gallery

 

Books can be so entertaining that it can take you to another world. Lately, I have been enjoying the world of mystery, suspense, and intrigue. Because of time constraints, I have been unable to read a book physically, so I had to resort to listening to audiobooks.

In my quest to dabble in the audiobook world and to seek out some great choices I decided on a few that you too may enjoy. Let’s explore two of them. One of them you will find is over seven years old while the other one is relatively new, but they are so entertaining that you would not want to stop reading or listening to them.

I will provide you with an overview to not spoil the plot of the story. First, is The Associate by John Grisham (2009), a story of suspense and intrigue about Kyle McAvoy, a young attorney. In Kyle’s world, he goes through the experiences of living the life and wonders of becoming an attorney but what he sees behind the scenes puzzles him.

What he realizes is that his hourly salary, the tireless charades of clients’ paperwork and watching his co-workers spend more than they make just to look the part is all created to become a part of the illusion in the life of an attorney. He is living the dream. He realized that he had made it, but all that glitters is not gold.

His life changes when one day his past catches up with him. He is being asked to expose the secrets behind the firm that he’s working with? Will Kyle risk what he has worked so hard for or will he play along as if nothing has happened?

Next, Dangerous Games by Daniel Steele (2017), a story of high-risks, and mystery of working behind the scenes in the media industry. With TV correspondent, Alix Phillips, and Ex-Navy SEAL turned cameraman, Ben Chapman, working together, no story is safe. Alix has a passion for turn over every stone with Ben close behind.

As they travel abroad to cover stories that are dangerous either from riots or gunshots they always come back with excellent results. Alix wanted to find out more about Tony Clark, Vice-President of the United States. As she begins to turn over several stones, she discovers that Vice-President Clark wears different faces.

On the outside Vice-President Clark seemed to be confident and appears to be a man in charge yet in his private life, Clark is a man of corruption, deception, and cunny. No one knew, not even the President of the United States, that Vice-President Clark would do whatever it takes to become the next President. As Alix began to research the various aspects of the story concerning Vice-President Clark, she begins to uncover something so sinister that her life and those around her are at risk. Will this make Alix cease continuing the story or will she do what she does best tell the truth and to give the story the exposure that it needs?

B.E.S.T. Publishing (A Division of Jabez Enterprise Group (JEGroup)
bestpublishing@jabezenterprisegroup.com

 

Being A Business That Benefits

Up until this point, you should have seen a variety of different articles that I have crafted for you from health care and access to capital to taxes. From the House of Representatives, and the U.S. Senate to the numerous Small Business Policy Forum’s panel of experts these articles were written with you in mind, the business owner. I wanted to provide you with a wealth of information that you can benefit from in running your business.  If you have missed any of the articles, click here:

  1. Tax Reform or Tax Cut
  2. ObamaCare vs the ACA
  3. Back to Basics

In my last article, we will discuss the various aspects of portable benefits (includes healthcare, and retirement). We all know that small businesses have to get creative to acquire and maintain great talent.  In order to do this, they must provide an assortment of benefits but should portable benefits be one of them?

Let’s look at this conversation two ways:

  • Scenario One: As an employer, you are responsible for a lot of people from your employees to their families but what happens when your employee decides to leave the company? Should you be responsible for their portable benefits? If so, for how long? Or should they be responsible for their own?
  • Scenario Two: Your business uses several freelancers and contractors, you depend heavily on their talent and the services that they provide. So what happens when they decide to leave the company? Yes, they are not your employee but should you be responsible for their portable benefits? If so, for how long? Or should they be responsible for their own? Are your answers the same as it would be if they were your employee?

Regardless, of the way that you answer either of these questions, understand that the workforce is shifting. Retirees and millennials are entering the workforce and most are opting to become freelance or contract workers. With this type of workforce, establishing a universal portable benefits system is ideal.

In today’s marketplace contractors and freelancers has a focus on not only getting paid but seeking to assure that their healthcare and retirement benefits are paid, current and available when needed.   Having a universal system would also help those employees that decide to leave a company but later determine that they wish to become an independent contractor or freelance worker instead. A portable benefit system should not only provide options to suit several needs but be affordable.

During the Portable Benefits: Creating An Infrastructure for Entrepreneurs to Thrive panel myself and a few other industry experts discussed what portable benefits could mean to small business owners including freelance and contract workers. In all honesty, small business owners want to see that their employees get the best because they are the ones that are helping to make the company profitable.

According to panelist, John Scott, Retirement Savings Director, The Pew Charitable Trusts, “66% of full-time employees are offered portable benefits, 48% of the employers want to help their employees save for retirement, and 22% of employers lack an internal administrative resource that will allow them to start and maintain a portable benefits system.”

For the sake of argument, let’s focus on retirement. While there are a lot of choices out there, there are several types of plans available, let’s explore a few:

For the sake of healthcare should the U.S. adopt a system that is universal for everyone as I discussed in ObamaCare vs the ACA? One thing that is prohibiting more small business owners from offering portable benefits is costs. From administrative setup and upkeep to contributions, should there be some type of subsidy programs in place to help offset these costs?

If so, should the programs be subsidized by the federal government? Or should this be a local or State financial responsibility? “Individuals that wish to do so, should be able to provide their own portable benefits and not be subjected to a specific employer but there must be multiple plans and options available, like a common or shared interest program,” Shilpa Phadke, Senior Director, Women’s Initiative at the Center for American Progress.

With some support, this will allow the new and emerging workforce the ability to take on the responsibility for their own future and not leave these critical pieces in the hands of others, especially since they are not an employee of the company. As a portable benefits plan is being created it should meet the needs of the freelancer or contract worker with minimum financial disruption during their Golden Years. As previously stated we business owners need to get creative in how we acquire and maintain the talent to run our businesses.

There are several ways that companies are becoming creative in their efforts to obtain the deliverables that they require. Below you will see several examples of which the first two companies offer full portable benefits, the third company offers partial portable benefits and the last offers no portable benefits but provides the revenue that freelancers and contractors can use to fund their portable benefits plan:

  • Company 1: 26-hour work-week for full-time employees but these employees are paid for a 40-hour work-week. This helps to offset the childcare and costs that these employees may encounter otherwise. By implementing this small step, this small business owner has been able to increase their revenue and productivity while creating an asset for their employees.
  • Company 2: One of my clients, offers several company benefits from wholesale catalog discounts; vacation, sick and family leave; and charity contributions matching to other types of personal flexibility. The interesting thing is that the majority of the benefits that this company offers if out of the company’s Profit and Loss (P&L). We all know that normally these costs are what the small business owners use to live off of but instead, this client passes these profits on to their employees.
  • Company 3: Employees may not be provided a full portable benefits package but they are instead offered profit sharing and are co-owners of the company that they work for.
  • Company 4: I work with several freelance and contract Since I am unable to provide them with portable benefits, I try to look for ways to provide them a long-term Return on Investment (ROI). One option is that I offer them revenue sharing on a project, that has a long-term, steady income flow. In this case, the workers obtain revenue for a number of years, which they can use to invest and fund their portable benefit accounts.

For those small businesses that offer an entrée of portable benefits including family leave should there be tax credits?  It is difficult to determine how portable benefits should roll out for small businesses, freelancers or contract workers but it should exist. Here are some other discussions about portable benefits that may interest you:

If you have any concerns about how portable benefits will affect you consider the following:

  • Contact your local representative or your State’s Senator
  • Write a letter to the editor of your local newspaper
  • Consider an Op-Ed (Opinion-Editorial)

Once again I thank you for your support and the opportunity to serve you.  Subscribe to The JEGroupZone to stay up to date on articles and information about initiatives, programs, and issues that will affect you and your small business. As always, if you have a concern or issue that you would like for me to cover or talk about on your behalf in the near future please feel free to contact me at Jabez Enterprise Group (JEGroup).

“Don’t just stand by, be a part of the conversation.” Vernita Naylor

Vernita Naylor
Founder/Owner, Jabez Enterprise Group (JEGroup)
Small Business Ambassador Since 2001
services@jabezenterprisegroup.com
https://jabezenterprisegroup.com/

 

Speak in Colors with Tech

Vernita Naylor Speaking Card (Tech Inclusion) 2017

Diversity and inclusion (D&I) are terms that are continually being circulated within the marketplace. D&I normally ties into employee and employer relationships as it pertains to Fortune 500 and government companies but what about small business owners, shouldn’t they become a part of the conversation also? At Tech Inclusion 2017, during my Speaking in Colors session, I will talk about how anyone, particularly business owners, can use their diversity to maximize their inclusive partnerships. Register today https://sf17.techinclusion.co/.

For more information about us visit http://jabezenterprisegroup.com/.

 

 

 

 

 

 

 

Are You The Right Person?

Love Sex and Dating by Andy Stanley

When you hear the words love, sex, and dating what resonates with you? Are these words interconnected in any way or do they stand alone in your mind? Pastor Andy Stanley of the Atlanta based North Point Ministries provides a candid approach on how to effectively date.

In his latest book, The New Rules For: Love, Sex & Dating you will learn how to become the right person for the right person that you are seeking.  Andy states that you should begin your focus on preparing yourself to become the right person by abstaining from sex, dating and interpersonal relationships for one year. During this time you have the ability to concentrate your efforts on becoming a better person which allows you the ability to attract a better marital choice.

Did you know that pre-marital sex causes us to lose focus and to turn a blind eye to problems that can be destructive for our future? If you learn elements of self-control you can not only see the forest for the trees but you will be able to also see everything in the forest. Sex appears to be the precursor for love and dating in today’s culture.

When there is sex without love or commitment of marriage what happens is a plethora of heartaches, disappointments, disconnection and at times various levels of depression. It is words like “friends with benefits” that is being thrown around like a football during the playoffs but in actuality, there aren’t any real benefits in this type of friendship. Instead, sex becomes the catalyst for corruption, abuse, and deceit.

As I begin to read throughout this book I had some Chapters that truly spoke my language from Chapter 3: Becoming the Right Person, and Chapter 5: Love Is, to Chapter 7: The Way Forward because the content truly provided the importance of becoming the person that you are seeking. In this book, you will truly become educated on how love, sex, and dating can work together effectively to create a healthy relationship.

B.E.S.T. Publishing (A Division of Jabez Enterprise Group (JEGroup)
bestpublishing@jabezenterprisegroup.com