EnVision Magazine October Issue 2021

EnVision MAGAZINE

AND MUCH MORE

INTERVIEW WITH JAMES MARSHALL JULY - SEPTEMBER 2021

RELATIONSHIPS TAKE TWO

BY LUCRETIA DAVIS MSN APRN FNP-C

BEFORE SIGNING A LOAN

BY SYVOSKIA BRAY POPE

EDITOR’S NOTE In all thy ways acknowledge him and he shall direct your path.

Proverbs 3:6 KJV Hello Friends & Family !!

It's Fall & October is here and it's just fine with me ! I'm not a big Summer fan. I like wearing black and boots! Fall and Winter have become

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favorites of mine now that I'm getting older.

The leaves are changing and well so is life. Envision Magazine is truly growing into a wonderful publication and it's full of wonderful articles and ads and we are blessed to have an incredible graphics VP. Our cover story is a very special one; it has our very first family. The Marshall Family! I loved the idea and wanted to share this lovely family. James Marshall is a host on the Envision Radio Network he has

been with the Envision Network since its inception.

Building generational wealth is what James truly believes in doing and he helps many to achieve that goal.

Struggling should not be generational. We must learn to live for the future and not for the right now. Read his special interview with me and his wonderful article.

I pray each of you are being safe and that you continue to social distance and wear your mask.

Envision Magazine has thousands of subscribers and if you don't subscribe please go to www.envision-radio.com and make that happen. You will receive our upcoming newsletter and magazine.

It will be sent to your email every quarter.

MUAH ❤❤❤ Ann C Editor-in-Chief

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Table Of Contents 5 | Interview with Host James Marshall

By Ann C

15 | 5 Things to Think About Before Starting a Music Career

By Simone Henry

24 | Karla’s Korner: Delta Variants and Children

By Karla Jarvis, MSN, APRN, FNP-C

29 | I Dare You to Trust God!

By Reverend Joan Gray

39 | Relationships Take Two

By Lucretia Davis MSN APRN FNP-C

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45 | Work on Building a Positive Wealth by Attitude

By James L. Marshall, Jr.

68 | Should I Send My Child Back to School or Homeschool?

By Michelle Washington

76 | What to Know Before Co-Signing a Loan

By Syvoskia Bray Pope

83 | The ACE in Action: Doing Our Part

By Robert And Charliese Lewis

89 | Stuffed Salmon w/ Garlicky Broccoli

By Chef Jima

99 | Building to the End and Maximize Your Momentum

By Dr. Julia Royston

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Interview with host

James Marshall of the program 100 Wealth Building Secrets and President of Marshall Wealth Management

by ANN C. Editor 1. Family is very important to you!

Whose on the cover of the magazine with you?

In the picture with me on the cover is my wife Donna Lacy Marshall, and my two daughters Zoe and Ava. 2. What is the single most important thing you want families to know about finance?

That the money you have is a blessing that you are expected to be a good steward. That legacy oriented, well informed families that work together tend to grow significant wealth. Wealth minimizes the pain of difficulties!

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3. What made you get into this industry?

I got into the industry back in 1988 as a stockbroker trainee with Merrill Lynch. I was working for the Kentucky Highway Department as a District Affirmative Action Officer at the time. Art Walters, who was the Executive Director of the Louisville Urban League at the time told me that Merrill Lynch was looking to hire an African American as a stockbroker.

He felt that I would be perfect for the position. I said ok and he setup the interview and the rest is history.

4. Best part of the industry of finance?

Worst part of the industry?

Hands down the best part of being in the wealth management and financial planning industry is the relationships I have developed over the last 30 plus years. Knowing that I had a part in families and individuals reaching their

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Interview with Host James Marshall

financial goals and working through financial hardships. The ability to work with multiple generations in the same family. Being a part of the financial growth of the parents, the children and the grandchildren is extremely fulfilling.

It is a blessing! The worst part of the industry is being a part of working through the hardships and physical transitions of my families I’ve worked with over the years. Dealing with the death of a client is heart wrenching and it has been happening far too often over the last few years. Clients that have been with me for over 25 years are like family.

It’s something that you just don’t get used to.

5. Advice to someone wanting to become a financial advisor?

First of all, we need a lot more African American financial advisors in this industry especially women. I would advise anyone getting into this industry to start off with a good training company. Establish good technical fundamentals and learn how to sell and market. At the end of the day financial advisors are still sales people.

Reach out to as many like minded advisors as you can to get their take on the industry. Don’t just drink the kool aid of the company you are working for. Find a mentor that has been in the industry for over 10 years (other African American financial advisors are not your enemy they are your allies). Embrace technology wholeheartedly or you will not last in this industry. As soon as you can identify your niche market.

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Aggressively market to and grow that market. In other words hunt with a rifle instead of a shotgun. Finally, never stop learning and improving.

6. Best book to read in your industry?

That’s a difficult question because, if you are talking about technical industry knowledge I word say “A Random Walk Down Wall Street”. If you are talking about personal and professional development in the industry I would say anything by Ben Feldman or Harvey McKay. But over all the best book to read is “The Greatest Salesman in the World” by Og Mandino.

7. Who do you admire in you industry and why?

There are so many advisors that I have met over the years at Top Producer conferences around the world. I could not possibly name just one. But I will tell you that I have an enormous amount of admiration for all the advisors that make the decision to put their name on the wall and go it alone. Independence is both rewarding and difficult and I believe it will put you in a better position to truly benefit our community.

8. Can someone become wealthy buying stocks?

The stock market is one of the greatest wealth building instruments available to us. It cuts through all the social issues and inequities that can hinder wealth building efforts. Investing now and investing often is a very effective way of building wealth. And by that I mean

building a position in 10 or 15 good stocks over the years by dollar-Cost-averaging in them on a monthly bases. Discipline and consistency is one of the secrets to building wealth in the stock market.

9. How has Covid changed your industry?

Covid has had a very noticeable effect on the investment and financial planning industry both good and bad. On the bad side it caused a lot of advisors that were barely hanging on to choose other careers with more income certainty. It also pushed into the limelight a lot of robo advisor applications and investments applications that have gamified investments and given it a casino feel. During the lockdown period we saw a huge increase in social media influencers that present themselves as investment experts and wealth building gurus. And they can teach you how to make millions if you follow them, click on their link or join their master class. The problem is that most of them are not certified, registered or licensed advisors; so there is no oversight. And that is a recipe for financial disaster! On the good side people were spending less and saving more. They were paying down their debt and paying more attention to their financial goals. Sometimes when you slow down you can get a better view of your current financial situation. And you have the mental bandwidth to put a plan into action. I have noticed that my clients net worth has increased approx.

10 % to 15%

over the last 18 months. And that’s a very good thing!

10. Your thoughts on Covid19 ? Will we be back to normal soon ?

Of the few things that you can count on in this world, one of them is change!

Covid 19 is the progression of viruses we have had in the past. And like most viruses, they evolve and find a way to survive. We are living in a global society with the ability to get anywhere in the world in under 20 hours. And that means a virus on the other side of the world can reach the United States in less than a day. This is a bell that cannot be unrung.

So, with that being said I believe we need to embrace what is the new normal.

Mask, vaccinations and social awareness is here to stay. So let us keep moving and stay prayed up!

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Catch Spiritual Nourishment with Sheryl Underwood every Sunday at 11AM EST! You can listen at www.envision-radio.com Simple Radio App, Radio.Garden App, Radio.com App, MediaU App, myTuner Radio App Audacy App & Get Me Radio App

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She airs every Thursday at 6pm EST on Envision-Radio.com 87 13

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5 Things To Think About Before Starting a Music Career

by SIMONE HENRY

When I was asked to write this article about five things you should think about before starting a music career, I came up with a list of 10 questions someone thinking about getting into music should consider. My questions ranged from style of music to who do you know in the industry to the number of songs you have to sing and play, But after careful consideration, all of the above things can be easily decided and remedied with some help.

Below are five questions that I think every church chorister or worship team leader considering a career in music should consider.

Do I have natural musical talent or know how to play an instrument?

This is a question all people considering a career in music should ask themselves. A career in music is a possibility even if you don't sing like Jennifer Hudson or can shred a guitar like Lenny Kravitz. However, you should have some natural talent to work with. As a musician, it's your first product for the world. So much good music being released every day. You don't want to be seen as sub-standard next to everyone else. You want 15

Envision Magazine July - September 2021

people to love what they hear and be able to get the good vibes you desire for them to have when listening to you.

It's a good idea to get opinions not just from family and friends, but also from strangers who are also music lovers or someone who produces music or someone who runs a radio show or music podcast. Get feedback from someone who doesn't feel obligated to spare your feelings.

Do I love people?

The person standing on stage has a big impact on the people in the audience.

There is an automatic feeling that the person on stage is either an expert or leader or more gifted in some area than me. So as a the person standing on the stage, if you can't find love in your heart for the people that you will undoubtedly gather around you, a career in music is not for you.

Is my life one that will draw others to Christ?

A friend of mine wrote a book called "Live the Life You Sing About". I think that's a poignant statement. I've seen

artists on stage singing and lifting their hands to the heavens in praise and then come off the stage and curse someone out in the span of 20 minutes. As a professional music artist you should remember that people are watching. Even if you don't consider yourself a role model, your audience will. If your life and habits couldn't be considered Godly, you may want to work on that first before seeking a career in music.

You may not want to be put on a pedestal, but you will anyway. That's just human nature. People will look at you as an example and you don't want to be a stumbling block and lead others astray. We all have things in our lives that we're not proud of. We all are sinners and have fallen short of the glory of God. But if your stuff is glaring and would look bad in the public eye, reconsider a career in music. It's better to wait until you've gotten the victory and can share that testimony rather than be going through it while at the same time building a relationship with an audience who see you as a leader.

How much time and money do I have to devote to a music career?

Practically speaking, you will need two things other than talent to have a successful music career in music.

Those two things are time and money.

The music industry has changed a lot in the last 20 or 30 years. Talented singers aren't being "discovered" like they were. Even you are a beast in your YouTube videos, you need to Photo by Akshar Dave 🍉🍉 on Unsplash

have put in the work to make sure your sound is good, your songs are well-crafted and you have a large and engaged audience before a label will be interested in you. Think of it like that show Shark Tank. The startup comes to the sharks for money for their business, but the sharks want to know that they already have customers and making money.

So it will take time to build an audience of fans who will support your music career and help you get to the levels you want to go. Money is necessary to hire producers, graphic designers, stylists, stage coordinators, marketers, etc. Generally, if you have lots of time on your hands, you can get away with spending less money on experts and learn how to do a lot of the work yourself. However, if you don't have much time then investing money in your career up-front is the way to go.

It will help you get traction more quickly.

Is God calling me to a career in music?

This is the most important question to ask yourself. One of my favorite pastors, Pastor Doug Batchelor, says "The safest place in the world to be is in the middle of God’s will." The Bible says, “The world is passing away, and the lust of it; but he who does the will of God abides forever” (1 John 2:17 NKJV). So if God's will for you is to be a professional musician or singer and have a career in music then any obstacles to that calling will only serve to help you grow.

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Pastor Batchelor preached a sermon about how to determine God's will for your life. The text of that sermon can be found here: https://www.amazingfacts.org/medialibrary/book/e/24/t/determining-thewill-of-god#Determining-the-Will-ofGod He shares some great tips on how to determine God's will for your life including being in the Word, seeking Godly counsel, paying attention to providence in your life, fostering a strong relationship with God, listening to the Holy Spirit, fasting and praying and examining your desires and motives to see if they align with what the Holy Spirit and the Word are telling you.

The music industry can very unforgiving. Is the reason you want a career in music to be a rich celebrity?

Or do you want to share your music and testimony with others with the goal of saving as many lives for the Kingdom of God as possible?

Ultimately, being thoughtful and asking yourself some hard questions now can save you a lot of heartbreak down the road.

Simone is a business coach and mentor for independent Christian recording artists.

Through her company, ECHE (pronounced eh-shay) Music, she helps artists to brand themselves as professionals and grow large and engaged fan bases so they can make a solid income with their music. "I do what I do because I believe gifted, anointed Christian artists with a message for the world should not be broke!" If you need help branding yourself or growing a solid fan base around your music career and ministry, contact Simone via Facebook or Instagram direct message at @echemusic. Or visit echemusic.com.

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KARLA’S KORNER

DELTA VARIANTS AND CHILDREN Just as healthcare providers and parents feared, Covid-19 is hitting more children hard as the Delta variant tramples across the country.

“This virus is really going for the people who are not vaccinated. And among those people are children who don’t qualify for the vaccine and children and teens who qualify but are choosing not to get it.”

In the last couple of weeks, the American Academy of Pediatrics has reported a significant increase in COVID-19 cases amongst people less than 18 years of age. We know that the Delta variant is much more transmissible than the other prior variants of COVID-19.

The most important thing we can do to protect kids under 12 who are not yet eligible to be vaccinated themselves is to ensure that as many people who are around them and who are interacting with them are vaccinated. Anyone over 12 should be getting their

vaccine, both to protect themselves, but also to protect people who are not yet eligible, such as children under 12.

We know the vaccines are highly effective in preventing serious illness, hospitalizations and deaths in people who get the vaccine. We also know that they will significantly reduce your risk of spreading the infection to someone else.

We do want kids to return to school, we know all the benefits of going to school. But right now, with what’s going on in our country and in our communities with Delta variant spread, you’re really making a choice between getting vaccinated and getting COVID-19. This Delta variant is just that contagious. (CNN, 2021 Children and COVID-19) Karla Jarvis, MSN, APRN, FNP-C Host of Karla’s Korner on Envision Radio Jarvis Family Medical Services www.jarvisfamilymedicalservices.com 24

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I DARE YOU TO TRUST GOD!

BY REVEREND JOAN GRAY Host of In His Word Radio Program

As I thought about what to share this quarter, I was reminded when the only thing I could do was to trust God. The Scripture says in Proverbs 3:5 “Trust in the Lord with all your heart and lean not on your own understanding.” If you are like me you want to understand everything.

I’ve been sharing my latest journey with you in regards to relocating to Louisville, KY. Not in my wildest dreams did I ever expect to find myself in Louisville, KY. Oh, there is nothing wrong with it, I just never expected to be here at this age and stage of my life.

July 1, 2016 a new chapter has begun not only in my life but in my family’s life as well. Through a chain of events we moved to Louisville, KY. When we were packing the truck to move we had plenty of help to load the truck.

But when we got to Louisville where was the help going to come from, seeing how we didn’t know anyone, we 29

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could call on to help us off load the truck. Did I say “I DARE YOU TO TRUST GOD”, all kinds of thoughts started running thru my head. What are we going to do, it’s just my husband, our daughter and myself – how were we going to off load a 26” truck with heavy furniture and boxes.

Oh the great woman of faith I am! I wanted to whine and complain to my husband but I couldn’t do that, I knew even though he wasn’t saying anything he was having his own challenges.

Would I dare to trust God in the midst of all the uncertainties? I did the only thing I knew to do and that was to pray. I was reminded of the lady in 2 Kings 4:17 “she really had a situation, her husband had died, she had no money and the creditor was threatening to take her two sons as slaves”. It’s bad enough to have everything ripped out from under you, but to have your children taken from you too was unthinkable, I can only

Photo by Kelly Sikkema on Unsplash

Photo by Miles Manwaring on Unsplash Envision Magazine April - June 2021 9

image the hurt she must have felt. I don’t know if I could handle that.

Everything was out of her control it seemed and being a woman in those days didn’t mean very much. Have you ever had a situation where you totally had to trust God? I think we all have been there at one time or another. She dared to trust God. When the prophet asked her what she had she said nothing except a flask of oil. After she got over herself, she did what was asked of her. Her answer was in the house.

said here I am. (It was Jeremiah) smiling! I went back into the house with another load. I came out and there were two young men standing at the truck talking with my husband. I said Daddy God you funny! These young men were Mormons. God will send you what seems to be unlikely to most, as He did with the widow – He sent Elisha with instructions on how the widow was to get out of debt. He sent us two Mormons to help off load the truck. God heard our prayer and helped us! I dare you to trust Him! You will be the better for it!

Back to my story, after I got over myself. We are now in Louisville unloading the truck, my husband, our daughter and myself. (We can’t forget Jeremiah (12) and Nova (5) We’re off loading the truck and I finally said to the Lord where “is the help I asked for” and a still small voice answered and 32

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Tune in to Haute Conversations & Cuisine with Chef Jima!

Tune in Thursdays at 5pm EST on Envision Radio! www.envision-radio.com

WE HAVE T-SHIRTS & MASKS! Email us at envisionradio20@gmail.com with your size and YOUR ADDRESS the first 10 people get theirs

FREE! Get a free mask with the purchase of your T-shirt!

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RRHost Dr. Julia Royston & Production Asst. Brian Royston 44

Photo by Kadarius Seegars on Unsplash

RELATIONSHIPS RELATIONSHIPS TAKE TWO TWO TAKE

by Lucretia Davis MSN APRN FNP-C

Often times when we think of a relationship, we do not think of its formal meaning. A relationship is defined as the art of being connected to something. To be connected to something means to be joined together. People can be joined together in birth, in marriage, in courtship, in friendship and a partnership. It takes two to be joined so we know that it takes at least two to build a relationship. Relationships are established; they do not just happen.

They are formed. Some relationships are formed quickly, and others take years.

The formation of a relationship is two people collectively deciding to nurture their connection. Think of the relationship of marriage, this is when two people decide that they want to bond for life - easy huh? Not so much, it takes two for a relationship to progress. Two people who decide that they are going to lay a foundation and then build upon it. Relationships can’t grow if the foundation is shaky, it has 39

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to become solid thru nurturing.

Relationships can’t grow without being nurtured with love and understanding. That takes two. A relationship can’t thrive without each person being equally invested. It takes two. A relationship needs love, trust and a mutual respect for each person’s individual cause and or purpose. It takes two to understand that a relationship requires commitment and the ability to see past what looks perfect. It takes two people diligently working together to ensure that they are moving towards optimal happiness. It takes two to understand that in a relationship everything doesn’t always flow effortlessly. There will be days when one person may not be operating at their best, but it takes two to understand that in these instances the other may need to take up the slack.

I can remember when I was a teenager speaking to my dad and I told him that I want someone who romances me, someone who loves me, trusts me, acknowledges the best and the worst parts of me. Someone who will speak to my heart without saying a word, someone who protects me, provides for me and professes his love for me daily. My dad’s response was “it takes two”, I remember having a puzzled look on my face. My dad proceeded to say, “You can certainly have all these things and more but you have to be willing and able to give the same in return. It takes two.”

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James Marshall is a registered investment advisor registered in Texas and Kentucky.

James@marshallyourmoney.com Host of 100 Wealth Building Secrets Podcast www.marshallyourmoney.com

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STELLAR AWARDS, Nashville, TN July 10.2021

We were blessed to be on the Blue Carpet at the Stellar Awards this year ! It was our first one with Envision Radio.

Special Thanks to Dr. Julia Royston & Brian Royston they covered the event as the roving reporter and the production manager respectively. The event was beautiful and we are praying they keep it in Nashville. Its where it truly belongs !!

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Yolanda Adams & Mali Music

Bishop Jason Nelson & Dr. Julia Royston

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STELLAR AWARDS Dr. Julia Royston & Dr. Oscar Williams Jr

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Kerry Douglas & Master P

LaTocha Scott

Earnest Pugh

Dr. Julia Royston & Wes Morgan 52

STELLAR AWARD

Honorees of the James Cleveland Lifetime Achievement Award The Clark Sisters

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Dr. Julia Royston & Randy Weston

Dr. Royston with other reporters.

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STELLAR AWARDS

Hall of Fame Inductee Kerry & Marzette Douglas

Jason & Latiana Clayborn 55

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JJ Hairston

Anthony Brown

Jonathan Nelson

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STELLAR AWARD

Jekalyn Carr

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Dr. Julia Royston & Michael Stewart

Lecrae 58

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Photo creds: Photo by Kelly Sikkema on Unsplash Photo by Santi Vedrí on Unsplash Photo by Anton Sukhinov on Unsplash Photo by Nikhita S on Unsplash

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Should I Send My Child Back to School or Homeschool?

BY MICHELLE WASHINGTON Author, Educator, Consultant.

The Covid19 Pandemic has left us with many decisions that daily impact our lives. We are often surrounded with moment by moment thoughts that determine how we should navigate as we sojourn through the many issues of safeguarding our health.

For parents who are navigating through this process, the decision making process is even more monumental as they are making choices to protect not only themselves but also their children in the public sector.

How do parents now assess what is safe for their children since school systems are presently reopening and welcoming their students back? This is something that every parent must wisely consider as this 2021-22 school year begins.

So what are some of the considerations to contemplate while determining what is best for your child?

1. Every parent knows the health history of their child. With that being said, parents should weigh the factors involved in how their child's health history has been impacted at school in the past times before Covid 19 ever existed. Children with asthma and other chronic health conditions must especially be safeguarded during this Covid Season. For these children with challenged health factors, only their parents truly know the risks involved that could impact and compromise their children's health.

2. Another consideration that parents are now facing is the vaccine availability only for students who have reached the age of 12 years and older. If a parent is in favor of vaccination for your children, how does a 68

parent determine whether or not their children under 12 should return to school without the availability of the Covid vaccination? If the vaccine is so vital for adults and children 12 and older, wouldn't it be just as vital for children under the age of 12?

3. One of the other factors facing parents is how homeschooling involves their child being at home during hours when they are required to be at their workplaces. For so many parents who do not have the option of working at home, homeschooling is simply not a choice for their children. When the schools were mandated to close their doors and provide virtual learning, the pandemic has left those parents reaching out to retired family members and friends for supervision of their children during working hours. For some 9-5 working parents, who have no other options of home supervision, sending their children back to school is a necessary choice without hesitation.

As schools have reopened, many parents are relieved to see their children return to the classroom and traditional modes of learning. Many parents are also happy that their children are able to reconnect with their fellow classmates as well as their teachers who provide important social support for students. In addition, daily nutrition also poses a factor for students who weekly receive free or reduced priced school breakfast and lunch. Those daily meals are a vital necessity for so many children who would be hungry without them.

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This is not an easy time for parents, with all that they must consider. As a former educator, I have watched my family, friends and former students, who are now parents make these difficult decisions of what is best for their children throughout the pandemic.

Homeschooling programs have become very accessible alternatives for many working parents who do not choose to send their children back into traditional classrooms. If you would like to learn more about homeschooling, check with your local board of education office and also do a Google Search to inquire about available home school programs in your area. In addition, the internet has a wealth of information in regards to free curriculum information for your child's grade level. You will be amazed what you will find when you do a Google Search about free grade level curriculums.

In closing, I am reminded of an old wives saying that my Mother use to often say to me and my siblings. It says,

"IT'S BETTER TO BE SAFE THAN SORRY." That is something that we all must remember as we navigate throughout these challenging days. Safety is the factor that must be paramount for all of us.

Whatever your choice, I pray that it will be the best for you and your children's health and well being.

I hope every student has a wonderful school year.

Stay safe everyone!

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Syvoskia Bray Pope

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What to know before co-signing a loan

BY SYVOSKIA BRAY POPE Host of Credit Conversations with Syvoskia What would you do if a friend or relative asked you to cosign a loan?

Before answering, make sure you understand what cosigning involves.

Under federal law, creditors are required to give you a notice stating why.

A typical cosigner’s notice states: You are being asked to guarantee this debt. Think carefully before you do. If the borrower does not pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility.

You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which

increase this amount.

The creditor can collect this debt from you without first trying to collect from the borrower.* The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record.

This notice is not the contract that makes you liable for the debt. * Depending on your state, this may not apply. If state law forbids a creditor from collecting from a cosigner without first trying to collect from the primary debtor, this sentence may be crossed out or omitted altogether.

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Cosigners Often Pay Studies of certain types of lenders show that for cosigned loans that go into default, as many as three out of four cosigners are asked to repay the loan. When you're asked to cosign, you're being asked to take a risk that a professional lender won't take. If the borrower met the criteria, the lender wouldn't require a cosigner.

In most states, if you cosign and your friend or relative misses a payment, the lender can immediately collect from you without first pursuing the borrower. In addition, the amount you owe may be increased — by late charges or by attorneys’ fees — if the lender decides to sue to collect. If the lender wins the case, your wages and property may be taken.

Photo by Annie Spratt on Unsplash

If You Do Cosign Despite the risks, there may be times when you want to cosign. Your child may need a first loan, or a close friend may need help. Before you cosign, consider this information: ● ● ●

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Be sure you can afford to pay the loan. If you're asked to pay and can't, you could be sued or your credit rating could be damaged.

Even if you're not asked to repay the debt, your liability for the loan may keep you from getting other credit because creditors will consider the cosigned loan as one of your obligations.

Before you pledge property to secure the loan, such as your car or furniture, make sure you understand the consequences. If the borrower defaults, you could lose these items.

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● ●

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Ask the lender to calculate the amount of money you might owe. The lender isn't required to do this, but may if asked. You also may be able to negotiate the specific terms of your obligation. For example, you may want to limit your liability to the principal on the loan, and not include late charges, court costs, or attorneys' fees. In this case, ask the lender to include a statement in the contract similar to: "The cosigner will be responsible only for the principal balance on this loan at the time of default."

Ask the lender to agree, in writing, to notify you if the borrower misses a payment. That will give you time to deal with the problem or make back payments without having to repay the entire amount immediately.

Make sure you get copies of all important papers, such as the loan contract, the Truth-in-Lending Disclosure Statement, and warranties — if you're cosigning for a purchase. You may need these documents if there's a dispute between the borrower and the seller. The lender is not required to give you these papers; you may have to get copies from the borrower.

Check your state law for additional cosigner rights. (courtesy of FTC)

Host of Credit Conversations with Syvoskia Saturdays at 10am EST Credit Repair Specialist www.Syvoskia.com

Photo by Romain Dance on Unsplash

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Envision Magazine Vol 2. Issue 1 | Jan. 2021

The ACE in Action: Doing Our Part

BY ROBERT AND CHARLIESE LEWIS

Every year when the month of September rolls around, the atmosphere begins to shift. The early morning weather becomes cooler day after day. That's always the first sign of Fall. Summer clothes are stored away.

And leaves begin to fall. For some people, this season is welcomed. After all, Fall signifies the beginning of the beloved football season for many. But cooler weather also brings about challenges for people who do not have permanent shelter, which is often referred to as unsheltered homelessness.

The National Alliance to End Homeslessness stated, “In January 2020, there were 580,466 people experiencing homelessness in America. Most were individuals (70 percent), and the rest were people living in families with children. They lived in every state and territory, and they reflected the diversity of our country.”

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The pandemic has shed more light onto this dark subject because entire families, not just adults, continue to deal with the aftermath of a season for which none of us was fully prepared.

Truthfully, massive numbers of homelessness did not start with this pandemic. A few years ago, while driving down the street, we began to notice the large number of homeless people in our community. Sleeping on benches. Sitting under bridges.

Walking down alleys. Even gathering in popular downtown hubs. All we could think about was how cold they had to be, especially at night. But just talking about it was not going to address the issue. We had to put our words into actions even in a small way.

We had to figure out what "doing our part" looked like in real life.

Out of that we birthed the “Keep Warm Project.” This project collected hats, gloves, and socks for donation to various community outreach organizations, including the Men’s and

Robert and Charliese Lewis have been married for 17 years. Robert is a media producer for educational television. Charliese is a College and Career Coach and serves as the Executive Director of Louisville Literary Arts. They reside in Lexington, Ky. with their daughter. Visit www.randclewisministries.com and follow on social media @theafterchurchexperience and @charlieseblewis. Email and PayPal at afterchurchexp@gmail.com. Host of The After Church Experience on Envision Radio.

Women’s Hope Centers, the Catholic Action Center, and the Salvation Army for those in need. Once we began to share our ideas, others jumped on board. Our friends and family were generous in sending donations. We also matched all monetary donations to increase the number of items. Out of this grew the “Keep Comfy Project”, which collected blankets and pillows to send to these organizations.

As Christians, we are called to be servants who exercise the gifts of mercy and helps. The key tenets to Matthew 25: 31-45 include:

(3) Clothing the naked.

(4) Sheltering the homeless.

(5) Visiting those in prison.

(6) Comforting the sick.

(7) Burying the dead.

As we enter into the Fall and winter seasons, let us be mindful of those who are less fortunate. Let us be led by the Spirit to serve those who are considered the least of these. Let us each be moved by compassion and in our actions to do our part.

(1) Feeding the hungry.

(2) Giving drink to the thirsty.

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Stuffed Salmon w/ Garlicky Broccoli

BY CHEF JIMA

INGREDIENTS

DIRECTIONS

1 large cut of Salmon (16oz) 8oz Jumbo Lump Crab 1/2 lb Shrimp 4 oz cream cheese 1 package of fresh baby Spinach 2 TB butter 2 TB Lemon Juice 1/4 TB Lemon Zest 1 small shallot (minced) 4 cloves of Garlic (minced) 1 TB Old Bay Seasoning 1 TB Onion Powder 1 TB Paprika 1/4 CP Mozzarella or Asiago Cheese (shredded) 3 TB grated Parmesan Cheese Salt & Pepper to taste 1 small shallot thinly sliced 4 cloves of garlic (minced) 1/4 cup of white wine 2 CP Broccoli Florets

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Pre-heat oven to 350 degrees. Mince garlic, chop up spinach and shallots. Season shrimp with salt and pepper and set aside.

In a pan over medium-high heat, add one tbsp of butter. Once melted, add minced garlic, spinach, and shallots, and 1 tsp of paprika. Let cook for about 30 seconds, mixing so that the garlic doesn't burn. Add shrimp and cook for about 3 minutes, or until shrimp are browned. Remove from pan and set aside.

In a large bowl, start preparing the stuffing. Add cream cheese, spinach medley, and lemon juice. Mix gently to soften the cream cheese. Add in lump crab meat, shrimp, mozzarella cheese, grated Parmesan cheese, and all seasonings (minus Old Bay). Mix gently until everything is combined. Do not over mix.

In an oven-safe pan, season both salmon filets with salt, pepper, and Old Bay. Using a sharp knife, pierce the center of the salmon filet and make a 2-inch hole.

Be careful not to go all the way through to the back of the filet. Using a spoon, place the filling in the hole.

Be sure to reserve some stuffing to go on top of the salmon, mid-cook. Place a tbsp of butter on the salmon and bake for 20 minutes. Remove the salmon from the oven, place some more stuffing on top and broil for 5 minutes.

Place 1 TB spoon of butter in a pan and add sliced shallots and minced garlic, stirring as not to let the garlic burn. Add the broccoli to the pan with salt and pepper to taste and saute on low-medium heat. After about 3 minutes add the white wine to the pan and cover. Remove from heat and let stand for 5 minutes.

Serve salmon with your Sauteed Broccoli, and enjoy!

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Envision Radio Welcomes the new syndicated program

The Warren Ballentine Show daily Mon-Fri at 5am EST 92 94

The Bobby Parker Radio Show Sundays at 3pm EST. Envision Radio Network

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Building to the End and Maximize Your Momentum

By Dr. Julia Royston

By nature, I can be a clumsy person. I have fallen down stairs and I have fallen upstairs. I have tripped over the curb and sometimes absolutely nothing was in my way; I just didn’t pick up my own feet. One problem is that I wish I could catch myself or stop the fall before I crash to the ground because once I starting tripping, the momentum of the weight of my body and speed, bring me down. It’s the law of gravity and of course I’m clumsy too and need to be more careful. Put the momentum of falling aside and think about the momentum of building or achieving. Life is hard. Building a business is hard but once you get moving, you don’t want to stop until you reach your goal. There are times that you must pause for an accident, illness, death, a global pandemic but get back up and keep moving or building. I challenge you as we head to the end of the year to keep 99

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moving, building and achieving like you did back on January 1st. Why? Because there is another January 1st, 2022 coming if the world stands. You don’t want to stop so long that it is hard to build your momentum back up. Even if you’re taking small steps, fewer calls, enjoying more family and the holidays but still be working on your dream.

Why? Decision-Making Based on the corporate business cycle, some people and organizations start making decisions on who they will or will not do business with or promote in the 4th quarter of the year for the next year.

Show them that you are the best person to do business with or promote on the job by doing your best and not slowing down or slacking off.

Julia Royston is a speaker, author, publisher, writing coach and business consultant Julia and her husband, Brian K. Royston oversee the operation of BK Royston Publishing, LLC www.bkroystonpublishing.com & Royal Media and Publishing to provide high quality materials that inform, inspire and entertain.

Networking Make those connections now and hopefully, seal the deal in 2022.

Remember that the early bird will catch the worm or make a great presentation or give an idea for implementation or be chosen for the next project.

to build but so easily lost.

No matter what you’re building, keep building and maximize your momentum.

Fall into Greatness and Achieve Huge Success. Let’s go!

Consistency Consistency = stability = trust. If you are consistent in your work, life, business, family and commitments, you will be even more trustworthy. We also know that people do business with people that they know, like and trust. Trust is hard 100

Past Envision Magazine Covers You can read them now at www.envision-radio.com /magazine

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Envision Multimedia Services is a Kentucky based marketing and media company who decided that these times should echo voices from diverse communities from around the world.

Envision Radio is the future and we know through award winning programmers and producers the station will be a blueprint for online excellence.

For more info email: envisionradio20@gmail.com or Call: 502-390-2055 106 52