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From the Editors Desk Greeting to all, this is your CEO of Divine Connections and it is a privilege and an honor to present to you this special October issue on Breast Cancer Awareness. This simply is about life and health. It is very important for you to know who you are and for you to take care of yourself so you can be the best person you can be. There are two powerful things in the world anointing and money but to maximize both you need the right mind and good health. I have a saying that says,” Increase your wealth, maintain your health, and encourage yourself. Let me explain, I am an entrepreneur I have a business were I publish a magazine, host events, and help others solve financial problems. It’s a challenge yes, but I press through every magazine issue, every event because at the end of the day it is for my good, others gain, and God’s Glory.. I recently got a fitness trainer at Fulltime Fitness, Mr. Jamaal Johnson. He is awesome if you need a trainer go check him out. However, trying to stay fit is a challenge for me but I choose to live an abundant life, prosper, and stay in good health. I have to encourage myself because no one can do on the earth what God has destined Deloris to do but Deloris. Why do I continue to press through these challenges because if God is for me who can be against me. This month is Breast Cancer Awareness. Ladies and Gentleman, I encourage you to go and get a full physical and ladies get your mammogram done. You are worth it, and you owe it to yourself, family, and love ones. So you can be around for a long time and enjoy life. I leave you with this. The bible say’s in Deuteronomy 8:18, He gives you power to get wealth. Then In 3 John 1:2 Beloved, I wish above all things that thou mayest prosper and be in good health, even as thy soul prospereth. But the key is you have to do something. As it pertains to those who have been diagnoses with Breast Cancer, I will speak this in your life God is able to do exceeding abundantly above all we ask or think and by his stripes you are Healed. Speak it, believe it, and receive it, In Jesus Name. Be Blessed. Deloris Williams, Editor


Speak A Word


Breast Cancer: Know the Facts


The Patient Protection and Affordable Care Act


You’re Worth It: Finances

Divine Connections Interactive Find all of the articles and listings in Divine Connections divineconnectionsmagazine

Contact Us 336.965.0366 Editor: Deloris Williams Layout & Design: Artistry By Andrews


According to the National Cancer Institute’s (NCI) booklet on Breast Cancer*, Breast cancer is the most common type of cancer among women in the United States (other than skin cancer). Each year in the United States, more than 192,000 women are diagnosed with breast cancer. Breast cancer also develops in men. Each year, about 2,000 men in this country learn they have breast cancer. Inside a woman's breast are 15 to 20 sections called lobes. Each lobe is made of many smaller sections called lobules. Lobules have groups of tiny glands that can make milk. After a baby is born, a woman's breast milk flows from the lobules through thin tubes called ducts to the nipple. Fat and fibrous tissue fill the spaces between the lobules and ducts. The breasts also contain lymph vessels. These vessels are connected to small, round masses of tissue called lymph nodes. Groups of lymph nodes are near the breast in the underarm (axilla), above the collarbone, and in the chest behind the breastbone. Cancer begins in cells, the building blocks that make up tissues. Tissues make up the breasts and other parts of the body. Normal cells grow and divide to form new cells as the body needs them. When normal cells grow old or get damaged, they die, and new cells take their place. Sometimes, this process goes wrong. New cells form when the body doesn't need them, and old or damaged cells don't die as they should. The buildup of extra cells often forms a mass of tissue called a lump, growth, or tumor. Tumors in the breast can be benign (not cancer) or malignant (cancer). Benign tumors are not as harmful as malignant tumors: Benign tumors: 1) are rarely a threat to life 2) can be removed and usually don't grow back 3) don't invade the tissues around them 4) don't spread to other parts of the body Malignant tumors: 1) may be a threat to life 2) often can be removed but sometimes grow back 3) can invade and damage nearby organs and tissues (such as the chest wall) 4) can spread to other parts of the body Breast cancer cells can spread by breaking away from the original tumor. They enter blood vessels or lymph vessels, which branch into all the tissues of the body. The cancer cells may be found in lymph nodes near the breast. The cancer cells may attach to other tissues and grow to form new tumors that may damage those tissues. The spread of cancer is called metastasis.

DIVINE CONNECTIONS - OCTOBER 2011 | 5 Risk Factors When you're told that you have breast cancer, it's natural to wonder what may have caused the disease. But no one knows the exact causes of breast cancer. Doctors seldom know why one woman develops breast cancer and another doesn't. Doctors do know that bumping, bruising, or touching the breast does not cause cancer. And breast cancer is not contagious. You can't catch it from another person. Doctors also know that women with certain risk factors are more likely than others to develop breast cancer. A risk factor is something that may increase the chance of getting a disease. Some risk factors (such as drinking alcohol) can be avoided. But most risk factors (such as having a family history of breast cancer) can't be avoided. Studies have found the following risk factors for breast cancer:  Age: The chance of getting breast cancer increases as you get older. Most women are over 60 years old when they are diagnosed.  Personal health history: Having breast cancer in one breast increases your risk of getting cancer in your other breast.  Family health history: Your risk of breast cancer is higher if your mother, father, sister, or daughter had breast cancer. The risk is even higher if your family member had breast cancer before age 50. Having other relatives (in either your mother's or father's family) with breast cancer or ovarian cancer may also increase your risk.  Certain genome changes: Changes in certain genes, such as BRCA1 or BRCA2, substantially increase the risk of breast cancer. Tests can sometimes show the presence of these rare, specific gene changes in families with many women who have had breast cancer, and health care providers may suggest ways to try to reduce the risk of breast cancer or to improve the detection of this disease in women who have these genetic changes.  Radiation therapy to the chest: Women who had radiation therapy to the chest (including the breasts) before age 30 are at an increased risk of breast cancer. Studies show that the younger a woman was when she received radiation treatment, the higher her risk of breast cancer later in life. Insist on a chest guard at your next Dentist visit during x-rays. Reproductive and menstrual history: The older a woman is when she has her first child, the greater her chance of breast cancer. Women who never had children are at an increased risk of breast cancer. Women who had their first menstrual period before age 12 are at an increased risk of breast cancer. Women who went through menopause after age 55 are at an increased risk of breast cancer. Women who take menopausal hormone therapy for many years have an increased risk of breast cancer. Race: In the United States, breast cancer is diagnosed more often in white women than in African American/black, Hispanic/Latina, Asian/Pacific Islander, or American Indian/Alaska Native women.  Breast density: Breasts appear on a mammogram (breast x-ray) as having areas of dense and fatty (not dense) tissue. Women whose mammograms show a larger area of dense tissue than the mammograms of women of the same age are at increased risk of breast cancer.  Being overweight or obese after menopause: The chance of getting breast cancer after menopause is higher in women who are overweight or obese.  Lack of physical activity: Women who are physically inactive throughout life may have an increased risk of breast cancer. 

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By Sherri Brown of


can remember when I first heard the term “Obama Care” I didn’t give the term much attention. It was a term that was being tossed around in political debate along with contempt and negative undertones attached by many who disagreed with President Obama’s fight for affordable health care. But recently the President responded to the negativity associated with the term “Obama Care.” In his own words he said he didn’t mind the term because “Obama does Care” and that’s why he proposed and subsequently signed into law the Patient Protection and Affordable Care Act (PPACA). President Obama’s mother died of cancer in 1995 and President Obama has emphasized on many occasions that his mother was fighting with insurance companies until the day of her death. Not wanting to see more Americans struggle with insurance companies regarding co-payments and deductibles, President Obama sought to make health care affordable to those who may not have been able to afford it so he signed into law on March 23, 2011 the Patient Protection and Affordable Care Act (PPACA). Before the PPACA, too many Americans didn’t get the preventive health care they needed to stay healthy, avoid or delay the onset of disease, lead productive lives, and reduce health care costs. In the past, cost sharing (including copayments, co-insurance, and deductibles) reduced the likelihood that preventive services were used. When it comes to taking care of our bodies, we find one million excuses

DIVINE CONNECTIONS - OCTOBER 2011 | 7 why we can’t go to the doctor right away. The biggest excuse being, “I can’t afford it” and running a close second is “I have to go to work”. But since the passage of PPACA, the most important feature of the act is where individuals don’t have to put off preventive care services because they can’t afford it. Individuals are no longer required to pay co-payments and deductibles for most types of preventative care visits. The President knows well that if we take care of our bodies, we will reduce our chances of skyrocketing health care costs as we age as well as potential bankruptcy. I can understand your need to take care of your family and your lifestyle, but how will they get along if you fall victim to a long term illness or chronic disease? Chronic diseases – which are responsible for 7 of 10 deaths among Americans each year and account for 75% of the nation’s health spending – are often preventable. So you may be wondering what’s in this new plan for you? Well, because of the new regulations, PPACA ensures that new health plans offer coverage without cost-sharing for a variety of important cancer prevention tools. Including: · Preventing breast cancer: Annual mammograms for women over 40. Other services to prevent breast cancer will also be covered, including a referral to genetic counseling and a discussion of chemoprevention for certain women at increased risk. · Preventing cervical cancer: Regular Pap smears to screen for cervical cancer and coverage for the HPV vaccine that can prevent cases of cervical cancer. · Tobacco cessation interventions, such as counseling or medication to help individuals quit. · Preventing colon cancer: Screening tests for colon cancer for adults over 50. The future of your health is in your hands and under your control. Take the time to get annual check-ups and don’t be afraid to ask questions. Sherri Brown is Managing Partner with Cali Pearl Corporation in Greensboro, NC. Cali Pearl provides financial education and personal money management advice for individuals and business owners. Please visit the Cali Pearl website at: or call 336.808.3496 for more information.




Divine Connections Magazine is pleased to announce their financial advice column, Dear Cali Pearl. If you would like free personal advice about a money matter important to you, please send your story to

Dear Cali Pearl, My daughter started college this year and I’m very excited for her. But I’m worried that I haven’t prepared her to live on her own and handle her own financial obligations. Do you have any suggestion on how can I prepare her for the real world?

Great question and I say “Yes! It’s never too late (or early) to start learning how to handle money and make better financial decisions.” I found the following 27 Money Tips for College Students while doing a search online at ( blog/2006/08/30/27-money-tips-for-college-students/). I enjoyed the article so much I feel the need to share it. Enjoy! Money Management Now that you’re on your own, you might be tempted to spend money on all the things your parents wouldn’t let you have before. Go slow. If you play it smart, you can avoid the sort of money troubles that plague many young adults.  Join a credit union. Don’t just sign up for a random bank giving away t-shirts or frisbees at registration. Track down a credit union in town, or do some research into online banks.  Don’t get a credit card unless you absolutely need one. Don’t be a sucker. Those guys sitting behind the sign-up table are not there to help you. They’re there to make money.  Avoid non-academic debt. It might seem like a good idea to put that Xbox on a credit card, but it’s not. Focus on developing good money skills with cash. Worry about credit later.  Save and then splurge. If you decide you must have that Xbox, then save for it. Wait until you can pay cash.  Pay your bills on time. Basic advice, but it’s surprising how many people lose track of things. If you pay your bills as they arrive, you won’t have to worry about forgetting them.

DIVINE CONNECTIONS - OCTOBER 2011 | 11 Organization and Planning Some minimal organization will keep your finances in order. Each of these is an important adult financial skill.  Track your spending. Use a notebook, or use Quicken if you have it. Good records will prevent you from getting overdrawn at the bank or charging more than your credit limit. This habit also allows you to detect spending patterns.  Make a budget. It doesn’t have to be fancy. At the start of the month, estimate how much money you’ll receive and decide where needs to go. Remember: you don’t need to spend it all.  Save your receipts. Put them in a shoebox under your bed if you must, but hold onto them. You’ll need to be able to compare them with statements at the end of the month. And some you’ll need to keep for several years.  Guard your vital stats. Don’t give out your social security number or your credit card info except to known and trusted sources. Campus Life It seems like there are a hundred things competing for your money. It’s hard to know what to do. Here are some smart ways to save money on campus.  Buy used textbooks. You’re just going to sell them back at the end of the term. (Or end up wishing you had done so five years from now.) You don’t need new textbooks.  Skip spring break. Forget the long road trips. You can have a lot of fun for cheap close to campus. (My college used to organize economical group trips; yours probably does, too.) You might be surprised at how fun it can be to stay on campus, too.  Live without a car. Cars are expensive: gas, maintenance, insurance, registration, parking. Stick close to campus. Learn to use mass transit. Find a friend who has a car.  Don’t hang out with big spenders. Some kids have parents with deep pockets. Other kids are well down the road to financial trouble. Hanging out with them can lead you to spend more than you can afford.  Take advantage of campus activities. There’s always something to do. Attend free movie festivals. Pay a few bucks to see the local symphony every month. Support the sports teams. Attend lecture series. Get the most from your student ID! (Continued on page 12)

12 | DIVINE CONNECTIONS - OCTOBER 2011 (Continued from page 11)

Personal Life Take care of yourself. Your mother isn’t around to remind you to brush your teeth. Nobody’s going to scold you for eating three bowls of Cap’n Crunch. Self-discipline is more important now than it ever has been in your life.  Go to class. You’re in college to learn. Everyone skips now and then, but don’t make it a habit. What you learn and do now will have a profound impact on the rest of your life.  Get involved. Staying busy staves off boredom. It also helps you build skills and form social networks that will last a lifetime. Try out for a play. Join the astronomy club. Write for the school paper. Find something that sounds fun to you and do it. Take risks!  Stay active. A healthy body costs far less to maintain than an unhealthy body. You don’t have to do much to avoid gaining weight in college. A walk around campus each day will probably do it.  Eat healthy. It’s possible to eat well on a small budget if you know what you’re doing.  Limit vices. Beer, cigarettes, and pot are expensive. They also screw with your body and mind. Take it easy on the vices. Calculate the being spent on the vices and find other outlets that can prosper the total you.  Learn the art of the Cheap Date. The student’s guide to cheap dates suggests: o Take advantage of mother nature o Go for coffee o Use CitySearch to track down cheap food and activities o Attend campus events  Have fun. Your college years will be some of the best of your life. It’s trite, but true. Make the most of them. Decision Making Get in the habit of making smart choices now, and you’ll develop a pattern of behavior that will stand you in good stead the rest of your life.  Make smart choices. You can do anything you want, but you can’t do everything you want. Decide what’s important to you, and pursue that. And remember to leave time for yourself.  When you want to buy something, ask yourself “Do I need it?” If you think you do, then wait. Don’t buy on impulse. Write the object of your desire on a piece of paper and pin it to the wall. Look at it every day for a week. If, at the end of the week, you still think you need it, then consider purchasing it. Making Money I’ve saved the best for last. If you can master even one of these, you’ll have a head-start on your friends. Master all four, and you’ll be on the road to wealth. No kidding.  Spend less than you earn. Don’t earn much? Then don’t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less. When I was in college, I worked as many as four jobs at once. This gave me a lot of spending cash. (Unfortunately, I didn’t do a good job with the spend less part of the equation.)

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DIVINE CONNECTIONS - OCTOBER 2011 | 15 (Continued from page 12)

Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you’re out of school. Several of my classmates turned work-study jobs into launching pads for future careers. Start your own business. Can you install a hard drive? Can you strip a computer of spyware? Can you perform minor car repairs? Do you have a pickup truck you could use to haul furniture? Are you a passable guitar player? Charge cheap rates and exceed expectations. Word will spread. When you’ve built up a customer base, you can raise your rates a little. This is an awesome way to make money. Learn to invest. Find a discount broker and begin making regular investments. Sharebuilder is a great choice for college students. It costs only $4 to make a scheduled stock purchase, and you can invest any amount of money, even $20. Don’t obsess over the details yet. You can worry about high returns and low fees later. Right now the most important thing is to develop the investment habit. Ten years from now, you’ll thank yourself. If you can find a way to invest $1000 a year for the next ten years, you can set yourself up for life. No joke. Sherri Brown is Managing Partner with Cali Pearl Corporation in Greensboro, NC. Cali Pearl provides financial education and personal money management advice for individuals and business owners. Please visit the Cali Pearl website at: or call 336.808.3496 for more information.

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Treatment & Early Detection Women with breast cancer have many treatment options. The treatment that's best for one woman may not be best for another. The options are surgery, radiation therapy, hormone therapy, chemotherapy, and targeted therapy. You may receive more than one type of treatment. The treatment options are described below. Surgery and radiation therapy are types of local therapy. They remove or destroy cancer in the breast. Hormone therapy, chemotherapy, and targeted therapy are types of systemic therapy. The treatment that's right for you depends mainly on the stage of the cancer, the results of the hormone receptor tests, the result of the HER2/neu test, and your general health. The best chance for successful treatment is early detection. Know one knows your body better than you! Be proactive and commit to a yearly checkup with your doctor, and in between always do a routine self-exam. If you detect anything painful or abnormal see a doctor immediately. Time plays know favorites!! Your doctor can describe your treatment choices, the expected results, and the possible side effects. Information specialists at 1-800-4-CANCER (1-800-422-6237) and at LiveHelp ( can help you locate programs, services, and publications. They can send you a list of organizations that offer services to women with cancer and the general public that wants to be informed! Arm yourself with knowledge, then empower yourself with ACTION!!! *Source:



Early Detection and Proactive Solutions This October issue consists of information to encourage, empower, and educate you on breast cancer...

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