Lifestyle @ The Intersection: Inaugural Issue (June 2023)

FROM THE BOTTOM UP

Today, Community Venture Investment Corporation (CVIC) seeks to put people first and change lives with a social investment business model to build better communities, “from the bottom up. ”

United Strategies

Lifting the community up by meeting you where you are and investing in the future together

About Us

For 20 years, CVIC, a Chicago-based real estate development and property management company has identified and invested in opportunities and grow people and communities.

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VERY OWN

LIFESTYLE theINTERSECTION

Mindful Economics From The Bottom Up

Lifestyle @ The Intersection is a quarterly digital publication prioritizing self-care and economics. The magazine intersects spirit, mind, body, family and lifestyles, we write about real estate and small business sustainability, it's the economics that lifts the social tides!

The editorial mission is to stimulate creative thinking and responsible (quality) journalism to the approach of closing the economic disparities that prevents individuals from upward mobility, particularly, but not exclusively, in the black community!

Lifestyle @ The Intersection is part of, CVIC is a community of ventures.

HOWARD

R.E.A.C.H.

Howard University

Class of 2024

CAMERON SHAW

Howard University

Class of 2026

DESTINY DANIEL

Howard University

Class of 2024

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Bridging the gap from poverty to selfsustainability by sharing self-care; business and real-estate knowledge through shared application, ie. storytelling which is an unconventional and proven way that inspires transformation. Each quarterly issue will feature stories on life-lessons and the importance of learning to pivot; correcting your course; finding your purpose (answering your why) and sharing testimonies From The Bottom Up These are all essential lessons for personal growth and uplifting the community Our goal is to move our readers from mere existence to living an abundant life!

It is our hopes that you will become not only a partner but a loyal reader and join us on this journey…

Lifestyles @ The Intersection!

Editor-in-Chief A.M. Walker

EDITOR

IN CHIEF NOTE

PUBLISHER

Anthony Oliver

Read more about our publisher and his mission on page 23, A Visionary's Claim for Change

Webster’s sociological definition of lifestyle is an external one.

Webster writes that classes are stratified by their relationship to the means of production, while status groups are organized by consumption of goods, aka lifestyle One’s lifestyle is determined by one’s life choices, basically economic, and hence the overlap between class and status

MARTHA STEWART AND SNOOP DOGG

Maybe you’ve seen this commercial, Martha Stewart getting a tattoo of Snoop Dogg on her left shoulder then passionately stating, “GANGSTER!”

LIFESTYLE @ The IntersectionFROM THE BOTTOM UP

I identify with Snoop more than Martha Tupac must be “C” walking in heaven! More importantly, I couldn’t have found a better example of what LIFESTYLE @ The Intersection (L@TI) digital magazine conveys! A mindful intersection of bottom-up economics and real (estate) business.

At 62, I’ve always been inspired by the spirit to challenge the theory that being poor will always be with you! I want readers to reflect on the fact that everything is not absolute!

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absolute! My work has been to “economically grow people with community” from the bottom up. “From the Bottom Up” is a school of thought in which a person examines their life through the lens of truth; selfaccountability and community to achieve economic empowerment and self-sufficiency.

Have you ever felt like something isn’t right but couldn’t put your finger on it? It stays with you and you have trouble confirming what it is I believe everyone has moments like this. Each of us may call it something different, an epiphany, premonition or as we say on the 5-5, “some goofiness is going on” but I can’t wrap my head around it! Whatever “that thing” is, it comes alive within us, after a cocktail or two, we believe we’ve figured it all out.

For me, not having the answer to what “that thing” stimulates my curiosity. It pulls at my spirit; I have more questions than answers. For instance, how come some communities, rich in real estate wealth are unable to strengthen its citizens when similar communities do? Why is there a need to depend on so much charity when there are literally trillions of dollars sitting on the sideline waiting for the right investment climate? Are the economic forces at work keeping people “locked” out of growing with community? Or why is Martha Stewart getting a tattoo of Snoop on her shoulder,

shoulder, using the word “gangster” for millions of viewers to see and hear- that thing?

Mindfulness is the awareness of one’s internal states and surroundings I believe that this is a moment of introspection because we’ve reached our inflection point and the atmosphere is stressful. An intersection, that requires us to look inwardly at ourselves. It’s a L@TI moment! A unique digital magazine that utilizes a “mindful” approach to economically address the social ills from the bottom up!

A quarterly business and real-estate magazine that will inspire transformative dialogue and thought-provoking actions The vision is to economically grow people with the community. I see this moment as an opportunity! It is independently published by Community Venture Investment Corporation (CVIC), a Chicago-based small real estate development and property management company that I started nearly 20 years ago CVIC operates 100% in lowincome communities. Not only do we house our families, but we also move them. I own and manage Alexander Movers, a 50-year-old company situated in Woodlawn Community in Chicago I strongly believe that small real (estate) business is the answer to the challenges we face. Look, I employ, provide housing and move our community to greater self-sufficiency. This is my life’s work and yet my community suffers and its “that thing” keeping my spirit restless I believe it’s the order in which we say things that matter i.e., social economics or economic social? Again, this is a L@TI moment!

The significance of the Martha Stewart commercial is a play on attracting consumers from Snoop’s base, people like me who never paid attention to Ms. Stewart! It speaks volumes about the value of low to middle-class consumers! The power, the relevance and importance of our spending power Can we leverage this to grow people? What if low, middle-income consumers reverse this thinking L@TI?power.

MINDFULNESS

AND REAL (ESTATE) BUSINESS A MULTITRILLION DOLLAR CONSUMER MARKET

Small businesses will drive economic under currents in the future. In 2019 the U.S. Small Business Administration’s Office of Advocacy reported that small business accounted for 99 6% of Illinois private enterprise, effectively making them a vital part of Illinois economy. Chicago also ranks seventh among the nation’s 20 largest cities for small business growth Muli-Trilliondollar market possibilities abound for all who are THINKING.

L@TI has very talented writers, thinkers and doers! Each quarterly issue will feature stories on lifelessons and the importance of learning to pivot; course correcting; finding purpose (answering your why) and sharing From The Bottom Up testimonies These are all essential lessons for personal growth and uplifting the community. Our goal is to move our readers from mere existence to living an abundant life!

Insert mindful narratives into our community and leverage our collective consumer value.

Mindfully explore open market, bottom-up opportunities

Demonstrate that the open markets can produce trickle down or bottoms up economics-let’s think about that? Good intentions of grants/unintended consequences?

Transition the poor man or woman stories into work in progress realities

Create the first ever “Bottoms Up Economic Think Tank” designed to meet us where we are and collectively leverage our value proposition!

Our investment in self! Most of our readers were born in the 1900s, our magazine launches in 2023. The next generation will benefit from the lessons learned over more than a century. I promise you, if done correctly, when generations look back, they will tell a story of how a very spiritual wind blew in and changed the economic formula.

Your ad dollars will open the doors to a consumer group of like-minded thinkers. From academia-to the everyday woman and man. Hi, middle-andlow-income consumers/ investors, small business practitioners, and those who really want to WORK together to create lasting change Our promise/objectives:

That thing, you know, the one that’s there but you can’t put your finger on? We are putting our finger on it! But what is it? From financial literacy, small business growth and sustainability, gentrification, I have skin in this game. I tell you what, come meet your brother at the corner of “Lifestyle and From the Bottom Up”, let us show you where we are coming from, and you will journey to the future with a better understanding of how to invest your money by banking on US!

4. 5.

YOUR AD DOLLARS WILL SUPPORT US AND COMMUNITY

INSIDE THIS ISSUE

STUDENT EDITORS

Residents Engaged in Achieving Community Harmony (R.E.A.C.H.) is a Community Outreach Initiative started by Howard Alumni, Alleceia M Walker in 1992 and re-established through her IMPACT Difference mentoring program in 2005.

R.E.A.C.H. seeks to link resources to needs in the DMV and abroad through various programs and collaborative partnerships

Marki Lemons Ryhal, MBA, ABR, AHWD, C2EX, CDEI, CIPS, CRB, C-RETS, CRS, & SRS

Dwayne Bryant

Markeyla Henton

Marvin Church

Khalid B. Scott, BS, MSW, LCSW, CADC, CODP-I, CSWHC, CWEL, LPHA

Karla Scipio

Dr. LaTanya White

Nicholas Arthur

Pamela J. Sams, CRPC

Dr. Shawn M. Nicholson

AKELEI DAVIS Howard University Class of 2024

CAMERON SHAW Howard University Class of 2026

DESTINY DANIEL Howard University Class of 2024

HOW I ACTIVATED SPIRITUAL SELF-CARE QUIETING THE BODY, AMPLIFYING THE SOUL

By Markeyla Henton

I use four practices to maintain my mental health and spiritual care: contemplative prayer, deep breathing, mindfulness and self-hypnosis. Contemplative prayer employs silence and focuses the mind in anticipation that God will speak. Deep breathing engages the lungs to manage stress, control emotions and slow the heart rate. Mindfulness helps you acknowledge and accept the present. And self-hypnosis is the work of focusing your attention to manage emotional responses. Through these four practices, I have increased intimacy in my spirlity, released my fears and discomforts, and controlled my spirituality, released my fears and discomforts, and controlled my response to pain and emotional distress.

I started this inner work in 2013, through contemplative prayer. My pastor challenged me to increase my belief that God wanted to speak to me. Quieting my thoughts and emotions deepened my ability to trust in God, because the emphasis wasn’t on me anymore. I learned to allow peace and God’s direction to expand in my everyday life.

My contemplative prayers were enhanced in 2018, when I discovered mindfulness and deep breathing. In addition to resting in prayer, I mastered the art of slowing my heart rate. It took practice to remove the feeling that mindfulness was a waste of time. Cultural and religious constraints made me wonder if mindfulness was weird. I was set free from these limitations by understanding that I was in control of my own spirituality.

I was introduced to selfhypnosis while preparing to give birth. Adamant against an epidural, I needed painmanagement skills. Hypnobirthing revealed my authority in managing my attention. The mind can control pain. I know this because I was able to labor and give birth with no interventions. I did so calmly and with confidence in my body. Self-hypnosis taught me to trust my soul. The experience was extremely liberating and empowering. True spiritual care is about trusting your soul’s ability to be connected to God and your destiny; self-hypnosis gave me this power.

Everyone should learn the art of mastering their mind. Managing the noise of your thoughts, pounding of your heart rate and storm of your emotions is truly transforming. The mind is the birthplace for everything in our lives. If you can quiet your body, the purpose-cry in your soul becomes crystal clear. And an amplified soul will always be connected to your next best step.

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By Marvin Church

As someone who values the importance of self-care, I genuinely believe that prioritizing our physical, emotional, and mental well-being is essential to achieving a balanced and fulfilling life. By consciously nurturing ourselves regularly, we can cultivate a more profound sense of self-love and improve our overall quality of life. Whether through exercise, meditation, engaging in

SELF CARE

hobbies we love, or simply taking time to rest, self-care is necessary and an act of self-respect and compassion.

Self-care is a fundamental aspect of maintaining good physical, mental, and emotional health. It has gained increasing importance in recent years as more attention is paid to holistic wellness. Self-care is any activity individuals engage in to promote their well-being, reduce stress, and enhance their quality of life.

In today's fast-paced world, prioritizing self-care is crucial,

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especially in difficult and stressful times. Incorporating self-care practices into daily routines can help individuals reduce anxiety and stress, often leading to various health problems such as hypertension, diabetes, and depression.

Physical self-care practices such as regular exercise, proper sleep hygiene, and a healthy diet can improve the immune system, boost overall energy levels, and reduce risks associated with lifestyle-related diseases such as obesity, heart disease, and diabetes.

Mental and emotional self-care practices, including mindfulness, meditation, and stress management techniques, can improve emotional well-being, boost self-esteem and confidence and promote mental clarity.

Social and relational self-care practices such as setting boundaries, maintaining healthy relationships, and seeking emotional support from family and friends can help individuals reduce stress levels and achieve a sense of belonging and connection.

In conclusion, self-care reflects an individual's commitment to their overall health and wellness. It is essential to recognize that taking care of oneself is not a selfish act; instead, it is a necessary practice for individuals seeking to lead fulfilling, meaningful lives. By prioritizing self-care practices, individuals can mitigate the stress and worries of everyday life, enhance their mood and energy levels, and improve overall health and well-being. Taking time to focus on oneself is a vital part of living a healthier and happier life.

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SELF-CARE REIMAGINED FOR THE BLACK MAN

By Karla Scipio

As a Registered Nurse and mother of two Black sons and grandmother of four young Black boys. I often wonder how our current living conditions in a COVID world filled with trauma, chaos and tragedies affect the men in my life.

Today it is so easy to get all caught up in social media overload, of being constantly battered by the negative news and messages that are designed to make them feel inferior and not valued. The ongoing violence towards and in our communities help us forget about our own self-care as persons of color.

Black Men aren't always given much space to express how they feel or opportunities to reflect on how

current situations affect them. Utilizing healing-centered practices and coping skills is necessary for their survival. Black Men selfcare is unique and a full-time job.

Here are my list of self-care considerations for my Black brothers You should do what works for you and listen to your own intuition. Please take what is helpful and leave what is not.

REACH OUT TO TRUSTWORTHY PEOPLE WHO CAN HOLD SPACE FOR YOU

Not everyone can be supportive, even if they care deeply for you. Consider the people who show up and make it easy to be you. No performances or faking it because men are supposed to be strong and asking for help is seen as weak Silence and isolation breeds more pain. You must connect with yourself and folks that are supportive of you.

CONNECT WITH THINGS THAT BRING YOU JOY OR ENERGY

It may be difficult or even feel impossible, but if you have capacity… I would re-commend you write affirmations about your identity, capability, and worth defined by YOU Listen to music that feeds your

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soul and watch media that energizes you rather than drains you. Become involved in things that promote positive and nuanced identities of black folks.

ASK YOURSELF WHAT YOU WANT AND NEED RIGHT NOW, AND THEN ADVOCATE FOR IT

Do you need a break from work? Can you ask for time-off or an adjustable schedule? Understand what you need from folks around you and make sure you communicate it Seek therapy, even when you feel that there isn't anything wrong. I know for some it's a taboo subject. Therapy is the one of the best ways to address personal or racial trauma.

ALLOW YOURSELF TO FEEL YOUR EMOTIONS AND ATTEND TO YOUR PHYSICAL NEEDS

Whether you are experiencing anguish or rage, allow yourself to sit in those very uncomfortable spaces and release those feelings instead of stuffing them down. This also means paying attention to your body. Do you need to go for a walk? Are you getting enough sleep? Are you dehydrated? Are you holding pain somewhere physically that needs to be released?

TRANSFORM FEELINGS OF HOPELESSNESS TO ADVOCACY

Engage in your spiritual practice as it will help you draw a deeper meaning from life. Give, few things feel as good as giving without expectation of receiving anything in return.

Be intentional about creating a better you. Go to the doctor so you can learn how to best improve your health. Many Black men age poorly and die earlier because they do not go to the doctor until it's too late

CREATE BOUNDARIES FOR YOURSELF OF WHAT WORKS SPECIFICALLY FOR YOU

Don’t forget to rest, breathe, drink water, and explore your needs. Consider connecting with powerful black art, media, and music that showcase a dif-ferent narrative of our stories and our strength

Practice forgiveness, forgive and let go. It helps lower stress, your blood pressure and improve your mental health.

Do, go have fun, don't put off what you can do today for tomorrow

Don't be afraid to learn new things or new ways of doing the same thing.

Never allow society to dictate, who you are, what you should be like and how you should behave.

BELOW ARE 10 TIPS AS A SINGLE FATHER THAT I HAVE PUT IN PLACE FOR MY DAUGHTER:

Be deeply “In-Love" with yourself (if you love yourself then you won’t and can't tolerate MESS!)

Thank the Lord for every day you exist and tell him that you love and honor him!

Be "Beautiful" internally and externally (The world loves a beautiful woman)!

Value your loved ones (family and friends) genuinely!

Don't ever "BEG" for someone's love... if nothing else, your Daddy loves you!!

Keep your hair done and no chipped nail polish on your finger and toenails!

Conduct your entire life in an orderly fashion (to the best of your ability!)

When you make errors in life, it's how you fix them that shows what kind of woman you are!

Apologize if you treat another human being wrong!

Find a Great Man like your DAD!

LIFE AFTER DIVORCE AND SINGLE FATHERHOOD

By Khalid Scott, LCSW, CADC

Prior to my divorce, I heard folks say that "divorce is death for the living". Never had a statement been so true. Every single area in my life was damaged (i.e.: spiritually, financially, emotionally, physically, and mentally.) I lost long term friendships that I cherished. Then I understood that when you're a husband, you feel it more because you failed your family unit, community, and worst of all, yourself!

When my ex asked me for divorce, it was surreal. I mean, in my head, I didn't do anything wrong. I was faithful, a provider, a protector, never physically harmed her, supported her dreams, was an over

participatory father to our daughter. My family and friends adored her, etc. So then, why? Her only answer was that I was too controlling and made her feel suffocated. Then after a long and grueling 8 months (6/6/12) of litigation, we were no longer man and wife.

I remember asking myself after my divorce in 2012, "How was I going to raise a little girl by myself?” How am I going to do her hair, buy her clothes (including undergarments), feed her despite not knowing how to cook, teach her the importance of being "ladylike", making sure she doesn’t have chipped nail polish (lol), make sure she excels in school, encourage her, wipe away her tears when she misses her mom’s presence in the house, tell her when she's wrong without taking her confidence away, etc., etc., etc! But guess what folks? I did it and did it well (In my head)!!

In June of 2020, Anayah graduated from High School, her GPA was an astonishing 5.1, she ranked #3 out of 390 students, an ISAC Scholar, a member in the National Honor Society, and was granted an academic scholarship to the #2 ranked Liberal Arts college, Amherst College, to major in Neuroscience. At her drive through graduation due to the COVID-19 pandemic, she hugged me and said "Daddy, you're my HERO!"

REMEMBER:

God made you, BUILT you and blessed you with the ability to be your child's HERO, so put on your cape Super Dads! Thanks for listening, family, and keeping Anayah and I in your prayers!

Next, think of a compelling feature for your cover story. This will be what draws your audience in. Make sure that you have accompanying visual content that immediately catches the eye.

We are living in a time when chaos, uncertainty, division, and calamity seem to be the norm. From young to old, anxiety, depression, and suicides are at record levels. As we face our Storms, we often lose sight of the GOD who calms the storm.

Fortunately, there is a shift occurring to find peace, understanding, love and joy. That shift is beckoning for higher consciousness, a calling for the hearts and minds of human beings to return to God.

Created to expand the human family, and remind us of our Creator, D&B Originals has created the God Works and Love is Everything Collection. D&B is a visionary design company specializing in creating unique graphics for everyday items, aiming to inspire and motivate individuals to enhance their lives and contribute to the betterment of Humanity. The graphics’ meaning is profound.

God Works is a multi-dimensional creation designed to reconnect human beings to The Creator.

From the outer realm, there are seven dimensions. Starting with God’s Greatest Command: LOVE. In the second dimension – Patience, followed by Under-standing, then Intelligent, Counselor, Holy, and finally, Judge.

There are seven dimensions because 7 is the number of completion.

Once we journey through each of the seven realms, we ascend into the eighth. 8 is the number of new beginnings. When we experience the 8th, we discover God. Whenever we discover God, we also discover God’s Abundance and Goodness.

Our truest desire for creating God Works is for us to become a reflection of the Creator of the Universe: Almighty God.

As we become a reflection of God, we become more Loving, more Patient, and more Understanding. As we begin to understand ourselves, self-awareness increases; thereby, preparing us to become intelligent counselors, and healers. Healed people embody Holiness; therefore, healed people, heal people.

With this new level of awareness and discernment, we move beyond our minor differences, enabling us to advance into the seventh dimension, accurately judging

mension, accurately judging between good and evil. Whether we begin at the top of the first dimension with Love, or ascend into the vector from the bottom, our ultimate destiny is the same: An encounter with GOD.

God Works was created in a perfect circle, symbolizing it is whole and complete. When we begin to unlock our highest consciousness, we too will enter the realm of wholeness and the dimensions of completeness.

At D&B Originals our ultimate desire is to turn the hearts and minds of mankind back to GOD.

Original design by D&B Originals

Living life

on purpose can mean different things to different people, but generally it involves identifying your values, passions, and goals, and then aligning and pivoting your actions and choices with those things What are your core values? What brings you joy and fulfillment? What are your specific goals?

Are they measurable goals that align with your values and passions?

By identifying your values, pursuing your passions, setting goals, taking action, and reflecting and adjusting as needed, you can begin pivoting to your passion.

Many people are dissatisfied with their current reality. They continue to search for ways to become better and live better. There are many factors that can prevent you from pivoting to your passion. Such as, lack of time, lack of resources, fear of failure, lack of support, and even burnout. Pivoting in your life requires courage and a willingness to step outside of

Photo

Credit: UnSplash

courage and a willingness to step outside of your comfort zone. But with dedication and hard work, you can achieve your desired outcome and create the life that you want.

Although pivoting, or changing direction in your life, career or business, can be a challenging process, the rewards can be amazing. In my book, Teach Me How To Pivot, I highlight and discuss the importance of developing a “pivot mindset.” The “pivot mindset,” is about being innovative and having the desire to try new things, which can be frightening for many people. If you’ve been operating on auto-pilot for any period of time, you can feel you know what you’re doing, so the thought of doing something radically differently can be daunting.

Therefore, making the prospect of change lеѕѕѕсаrу, уоu need tо break t down. Yоu don’t hаvе to change everything overnight. You can begin mаking incremental changes, small changes and have a very сlеаr gоаl оf what уоu want to асhеvе. Dоn’t bе afraid оf failure if еасh ѕmаll change dоеѕn’t work уоu’vе not hаd a complete disaster. Yоu саn try something еlѕе and learn from these teachable moments. Then build оn уоur results оnсе уоu’vе mаdе changes, wаtсh what the еffесt ѕ, lооk at уоur results and then build оn that. You will quickly see that ѕmаll ѕuссеѕѕеѕ begin to аdd up!

It’s time to activate your passion, potential, and purpose. If you are interested in learning more about how to determine your desired outcome for your life, consider joining the Pivot to Passion Academy.

The “pivot mindset,” is about being innovative and having the desire to try new things, which can be frightening for many people.

Last August I was in Chicago for My

Kindergarten Graduating Class

Reunion to celebrate 45 years of Friendship and happened to stop in a neighborhood spot on 55th Street between King Drive and Cottage Grove. I had no idea who I would encounter at this particular intersection but the stars align and God-ordained my introduction to Mr Anthony Oliver, a native Chicagoan; Business; Pioneer and Visionary And what an introduction, it was He shared a wealth of knowledge as well as resources. I immediately felt that Mr. Oliver was a hidden gem in Chicago and someone who needs to be in the forefront sharing these solution-focused, selfsustaining life tools he acquired along his journey from The Bottom Up. I began to probe the mind of this unicorn in The Chi and here are my findings… Enjoy your Journey into The Heart & Mind of The Man; The Myth and The Visionary: Anthony Oliver.

CHICAGO’S NATIVE SON

Mr. Anthony Oliver, before we begin, in true Chicago Southside form… You know, I must rename you to solidify our kinship. How does A.O. sit with you, My Friend?

A.O. – It’s A-Okay… LOL

Awesome Sauce, A.O.! So, let’s get down to it. Tell me about your upbringing. Who was Little Anthony; what was he like?

A.O. – Little Anthony was a straight bottoms-up guy growing up in the city of Chicago in 1960, navigating his way throughout the various low-moderate in-come communities I was born in the Woodlawn Community and at the age of eight years old, I experienced a near death trauma that left me with a lifelong scar.

This scar is my blessing We moved to Avalon Park, Jeffrey Manor and I attended George Washington Carver H S in Altgeld Gardens, all three were low to middle income communities. Public transportation was my primary mode for getting around, so I knew these various communities well. I was well liked, made friends easily, and always had their backs! I clearly understood the tricky boundaries I traveled which are not too much different today! It was part of the course. Inspired by the love of basketball, the drums of the street, I loved the heartbeat of Chicago!

Who is Anthony Oliver today?

A.O. - Anthony is a 62-year-old father, family man, entrepreneur for the past 30 years in real estate, and business owner that impacts both the west and south sides of Chicago Talking about

My greatest sphere of influence is that I have a vision that I’ve practiced for the past 30 years.

south sides of Chicago. Talking about myself seems so unnecessary, but I get it. I must purge and share with strangers to make the next-level positive economic impact in the communities. I live in the communities. I live in Chicago. Today, my spirit is strong and seeking, although I don’t have a church affiliation, my mind is curious, my body is a work in progress, and my family is priority I’ve learned this order of the universe throughout the years I am often self-reflective; I listen to opinions from all walks of life. I’ve learned from just being an ordinary man in a world that’s trying NOT to be extraordinary. I find this space fits me the best! I’ve come to realize that 99% of the people I know, respect, and listen to are also in this space. I’m grateful, and humble, but not necessarily selfeffacing. I know GOD has work for me to do. I’m the total sum of me. From rich to poor, good versus evil, and all the races in the world, I believe there is enough work to do in each of our

enough work to do in each of our personal lives to make yourself happy. It’s a lifestyle we seek to improve and there are many intersections where we meet real people… Never take it for granted!

What are some of the challenges and obstacles you have faced and how did you overcome them?

A.O. – Today, I am more prepared to meet the open market and answer the call to overcome obstacles coming my way. This was not always the case. In the 80’s after college, I felt frustrated with my professional path. I worked on death row, in jails counseling people and as a Social Worker. I thought I wanted to be a psychologist. I was given grant related job opportunities and management positions for awesome not-for-profits (NFP) social service organizations. I should’ve felt satisfied but instead, I felt shackled by restrictive guidelines that seemed to

serve those writing the qualifications to access the grants rather than the grantees. It felt fake to me! It was “that thing” I couldn’t put my finger on. I started Oliver’s Carpet Cleaning Company in 1989 while working for a NFP organization serving the developmentally disabled. I rented a Rug Doctor carpet cleaner and drove a Pinto, with a hatchback - I’m 6 feet, 6 inches tall mind you I got my first taste of being in the open market, this intersection was the beginning of challenging the unknown for me. With failure up close and personal, I felt scared and alone, carrying Rug Doctors up three flights of stairs often. I had a praying mother. I realized I needed to be here, in this place, and my spirit came alive. A for-profit S corporation, Oliver’s Carpet Cleaning Company took flight. I landed commercial contracts for Lake Meadows high-rise residential, Payless shoe stores and Blockbuster. Learning and making money felt great! I walked by faith through the intersection on a pathway that would rekindle my thrust to simply listen to my spirit! “Keep walking with your head up,” my mother would say Aunt Hazel would say, “You need to get back in church, go talk to Rev Taylor,” referring to the pastor of St Paul Missionary Baptist Church

A strange thing happened in 1992, coming from Hero's Nightclub at 2am in the morning. I sat with a homeless man who would show me my “true self.” He was my mirror on the curb, from the bottom-up! It was there, at that moment, I learned about a group of people trying to launch a newspaper called StreetWise for sale to the homeless community. My spirit said go see for yourself and I did. I walked through those doors at 62 East 13th Street and there it was. People from all over the city, working together, volunteering, writing articles on one

side of the room and the other area a cashier station set up for the sale of StreetWise newspaper for homeless men and women. I volunteered to fill this room with willing customers. In other words, I would work to unshackle the homeless population that had been hidden out of sight in Chicago. I didn’t know how, but it didn’t matter to me I was free to pivot “I will do it- they are me and I’d seen this before!”

Anthony is StreetWise I am true StreetWise. The reason StreetWise has existed for 30 years is because Anthony put his heart; soul; his spirit and the fiber of who he was and blew breath in the foundation at a time when building a collaboration of people together understood that the “WE” is bigger than the “I.”

For those readers who do not know anything about StreetWise, can you briefly explain what it is and the significant role you played for a season?

A.O. - StreetWise back then was a lot different from StreetWise today in so many ways. Although the core business foundation we established remains the same! It was an offshoot of Street News which was in New York When I say I’d seen this before I meant with The Final Call newspaper being sold by The Nation of Islam. StreetWise vendors bought the newspaper from us for 25 cents and sold it in the open market for a dollar.

When I walked in the place it was in total chaos: new bundles of printed newspapers all over the place, street fights inside, drugs, violence, exoffenders looking for that next move fresh out of prison. I was home. I would do this for free and I did for my first year! I recruited from under Lower Wacker Drive, in jails, etc. I held weekly motivational meetings. “Do-for-self, not

by yourself” was my theme. I wanted men and women to sell papers in downtown Chicago and boy did we. The rich met the extreme poor from the bottom-up! It was a magical intersection - people with access to each other that never thought it would happen.

I would recruit smart people to teach me, smart journalists to write, and enthusiastic business volunteers to help me figure out this new NFP business model. I sold my carpet cleaning company -- I gave it away! I’d listened to my Spirit; the work was so much bigger than me. I saw the vision, “growing people to greater levels of self-sufficiency.” Unlocking their will to succeed with everyday life, just improve their lifestyle- I didn’t have a clue! I put out and they came, the rich, the smart, the aspiring and the hopeful. It was all races who came to the table to help, but it was the leadership of strong black women heading the Board that helped me channel my vision. I worked day and night to figure out this thing, it was emotionally draining.

StreetWise was a dangerous place I would have to tame it, keep it from blowing up like Street News did We were fragile in our infancy, and I knew it. We represented all things street. The founding team exploded in 1993, I was devastated but determined NOT to send our men and women backwards by closing its doors. I leaned in hardremoving founding members, strengthening the Board of Directors, and sending more men and women into downtown Chicago! I wanted people to just see instead of judge! I branded the hearts of the homeless community “we are StreetWise, we walk a different road, we walk by faith wherever we go. We are strong. We are proud. We don’t stutter or whisper,

we say it loud - StreetWise, it’s all good! Go, let the world know we are here.”

The foundation of the StreetWise business model is the true story of people from all walks of life, rolling up their sleeves and leaning in. It’s a model that is very relevant for all small businesses operating in low-income communities In 2002, after building a higher-level infrastructure for StreetWise, I moved from CEO, a paid position, to the Board of Directors, a volunteer position. I later left the Board in 2005, knowing that the Board that I grew was passionate and had a vision that was different from my next level for StreetWise. It hurt, but I would get over it and pivot to the open market with a real estate business plan in hand. I would do this next level vision in the low-moderate community and “grow people with community.”

I’m always StreetWise but StreetWise is NOT always me!

How did you get from StreetWise to CVIC?

A O Community Venture Investment Corporation was founded in 2002 It was an inspiration I had after meeting the late John Pritchard John was the principal and CEO of Community Investment Corporation, known to us as CIC. CIC was a NFP commercial residential real estate lender impacting low-income communities. I wasn’t prepared to access CIC’s leading programs, at that time, so I entered Shore Bank’s residential investment system using my business plan. We were a resounding success! The Shore Bank leadership team headed by another strong black female pulled out the velvet hammer! She sharpened the vision; this was another intersection moment of growth.

Shore Bank is gone, but we have moved on with CIC as successful investor/practitioner today, I sum it up as Lifestyle at the Intersection (L@TI).

How does that translate to Lifestyle at the Intersection, L@TI?

A.O. - At the youthful age of 62, I realize that we all are in search of a particular lifestyle -- the housing challenged, the rich and poor, all races and nationalities It is the inter-section that determines our decision to journey. These intersections are a “mindful place,” a place for introspection and self-reflection. I am squarely focused now on my community in a mindful way. The survival of community depends on how we move forward. It is the social and economics or the economics and social. I believe it is the order in which we put words out into the universe that guides our behavior. I believe my community is too dependent on the NFP business models! Let’s have a L@TI moment. Our

niche is “mindfulness and real (estate) business from the bottom-up.” It’s a one trillion-dollar open market proposition to our low-income communities! If we think “this thing” through, I strongly believe that we can grow people with community without unnecessary displacement.

What is your vision for CVIC and Your community?

A.O. - CVIC is all things small business, real estate investment, property management, contractor and we own Alexander Movers, a moving company since 1971. Today, we launch Lifestyle @ The Intersection which is a quarterly digital magazine. My son, Corey is now the CEO and I’m the Chairman of the Board. CVIC sees an opportunity to do more of what we’ve done for the past 20 years, watch the market, invest to stabilize, and grow small business and people with community. This is organically who we are. The beauty of real estate, like food, is that it’s always necessary!

Source: McKinsey & Company, "Feeling good: The future of the $1.5 trillion wellness market," 4/8/2021.

necessary! It’s one thing to throw a vision out and say, “oh, this is my vision to help everybody.” The truth is some people are content and my efforts are wasted, we meet the community where it lives!

What does the future hold for CVIC and Lifestyle at the Intersection?

A.O. - June 1, 2023, is the launch of L@TI magazine, an important vehicle that showcases awesome talent in our communities. I’m assembling people smarter than myself to effectively penetrate a highly competitive mindful real (estate) business market. The value proposition is endless. A magazine that questions and challenges one’s thinking about this moment into the future will have a lasting impact on generations to come. L@TI will gain legs and move on from CVIC. It will be by will of the founding team you will meet in the first edition. They are awesome! This is the beauty of us at the intersection.

CVIC is stabilizing its infrastructure as the final leg of its growth. Corey; Dawn; Carla; Alleceia; Brittany and Keith, along with our host of contractors; investors and partners will continue to get into “good trouble!” Shake it up, this moment is full of unknowns I feel at home in this place- my spirit, mind, body, and family are my only guides. Let’s have a mindful moment at the intersection.

Where is your greatest sphere of influence and impact?

A.O. - My greatest sphere of influence is that I have a vision that I’ve practiced for the past 30 years. I only credit myself for building bridges to extend the journey from the bottom-up. My impact so far is my desire to integrate high net worth capital markets in low-income communities,

making profit margins, reinvesting, and growing with the community. In other words, yielding from the open markets to help support our social needs. I’ve influenced thousands of homeless people, thousands of low-income tenants, and hundreds of small business practitioners and high-net worth individuals to create common value with returns on all sides! I believe this is an answer to growing people with community!

L@TI is uniquely positioned to navigate its future. A magazine that promotes bottom-up economics and launching think tanks in low-income communities! It will be entertaining, fun and lively. It’s independent, using advertising dollars as our primary revenue source, and my profit margins. I’ve begun developing the infrastructure of a think tank model befitting the west and south sides Chicago from the bottom-up!

Not any more questions, A.O. I would like to take this moment and thank you for letting our readers into a

Visionary’s heart and mind which is sacred… It is my belief that authenticity and transparency yield IMPACT! I am so looking forward to what’s next!

REAL ESTATE 101:

An Innovative Approach to Understanding the Basics

By Marki Lemons Ryhal, MBA, ABR, AHWD, C2EX, CDEI, CIPS, CRB, C-RETS, CRS, & SRS

Understanding the Different Types of Real Estate

Real estate can be divided into four categories: residential, commercial, industrial, and land. Residential real estate includes single-family homes, apartments, and condos. Commercial real estate has five or more units and properties used for business purposes, such as office buildings, shopping centers, and hotels. Industrial real estate includes warehouses and manufacturing facilities, while land includes undeveloped property. Each real estate type has its unique set of characteristics and considerations.

Real estate is a broad term that encompasses various aspects of buying, selling, and investing in real property As a first-time homebuyer or new investor, navigating the complex real estate world can be intimidating. However, understand-ing the basics is crucial for success in the industry This article will provide an innovative approach to understanding real estate 101. We will cover the essential aspects of real estate and provide practical tips and tricks to get you started

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Factors That Influence Real Estate Value

Various factors, such as location, market, and property conditions, influence a property's value. Location is perhaps the most critical factor, as it determines the desirability and potential uses of the property. Market conditions also play a significant role in real estate value. For example, demand exceeds supply in a seller's market, increasing prices. Conversely, supply exceeds demand in a buyer's market, resulting in lower prices. Finally, property condition is also essential, as it affects the overall appeal and value of the property.

Real Estate Financing Options

Financing is integral to real estate investing, and various options are available. The most common type of financing is a mortgage, a loan used to purchase a property. Mortgages can be either fixed-rate or adjustable-rate, with each option having advantages and disadvantages. Other financing options include private loans, hard money loans, and seller financing.

Real Estate Investment Strategies

Real estate investment can be a lucrative endeavor, but it requires careful planning and execution. The

most common real estate investment strategies include flipping, rental properties, and REITs. Flipping involves purchasing and renovating a property for resale, while rental properties include purchasing a property and renting it out for income. Finally, REITs (real estate investment trusts) own and manage income-generating properties.

Real estate can be complex and daunting, but understanding the basics is crucial for success. By understanding the different types of real estate, factors that influence value, financing options, and investment strategies, you'll be well on your way to becoming a successful real estate investor. Conduct thorough research and seek professional advice before purchasing or selling real estate.

Marki Lemons Ryhal, MBA, ABR, AHWD, C2EX, CDEI, CIPS, CRB, CRETS, CRS, & SRS\ Keynote Speaker and Real Estate Entrepreneur, learn to earn up to a 2,682% ROI through AI/ChatGPT, Automation, and Repurposing Content.

www.markilemons.com

Financial literacy is the ability to understand and manage one’s finances. This can be done by understanding the basics of what money is, how it works, and how it affects people’s lives.

BUDGETING:

A budget is a plan that helps you manage your money by tracking your income and expenses.

It can help you control your spending and save for future goals.

SAVING:

Saving money is important for achieving your financial goals. Start by setting aside a portion of your income each month and building an emergency fund to cover unexpected expenses.

It is important to be financially literate because it can help you make informed decisions about your money, improve your financial well-being, and achieve your financial goals.

UNDERSTANDING CREDIT:

Your credit score is an important factor in your financial life.

Understanding how credit works and how to improve your credit score can help you qualify for better interest rates on loans and credit cards.

See more tips on the next page

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Here are some basic, yet key concepts and practices that can help you improve your financial literacy: what, when, where, why and how.

RETIREMENT PLANNING:

Planning for retirement is important for your long-term financial well-being. Start by understanding your retirement needs and goals, and explore different retirement savings options, such as 401(k)s, IRAs, and Social Security.

INVESTING:

Investing is a way to grow your money over time. Start by researching different investment options and understanding the risks and rewards involved.

Consider working with a financial advisor to help you make informed investment decisions.

DEBT MANAGEMENT:

Managing your debt is essential for your financial well-being. Start by paying off high-interest debt first, such as credit card debt. You can also consider debt consolidation to simplify your

payments and reduce your interest rates.

PROTECTING YOUR ASSETS:

Protecting your assets, such as your home and car, is important for financial security. Consider getting insurance policies to protect your assets from unexpected events.

By understanding these basic concepts and practices, you can improve your financial literacy and take control of your finances.

BUILDING BLACK DYNASTIES: HOW BLACK FAMILIES CAN CREATE BETTER ECONOMIC OPPORTUNITIES FOR THE NEXT THREE GENERATIONS

By Dr. LaTanya White

Research shows that America’s wealth gap was established and continues to widen through structural racism, legal segregation, and systemic oppression, leaving the average Black household with 1/10 the wealth of the average white American household. It has also been found that entrepreneurship provides an accelerated pathway to wealth building. It is important to note that neither the difference in the number of Black entrepreneurs compared to other ethnic groups nor the amount of income that Black-owned bus-

inesses generate compared to other groups is what contributes to the huge gap in household wealth between Black and white America. It is the transfer of wealth that does so.

Most people think that generational wealth is going to be the game changer for Black entrepreneurs and their families. The truth is, our high-net worth (HNW) and ultra-high-net worth (UHNW) counterparts are not focused on transferring financial wealth to the next generation

they are building entrepreneurial dynasties. They are building dynasties that focus on transferring FIVE forms of wealth in FOUR different directions for THREE consecutive generations...it's time for Black and Hispanic families to do the same.

A family reaches dynastic status once the business or the wealth has been controlled in the family for three consecutive generations. It is impossible to plan for the next three generations without talking about money and death two things that the average Black family does not talk about until it is too late. Dynastic Wealth™ is a model for wealth-building that situates the Black experience in the context and in conversations about providing for our grandchildren’s grandchildren.

It encompasses the lived experience and ancestral narrative of Black and African American entrepreneurs, including structural racism and the everyday cost of being Black in America. It takes our culture beyond generational wealth and prompts us to establish Financial Wealth, envision Spiritual Wealth, record the Wealth of Knowledge, invest in Intellectual Wealth, and develop Relational Wealth.

By building Black dynasties, we not only preserve the family recipes, but we also package the family history and protect the family’s assets. We develop family identity and create family constitutions to govern our family trust vehicles. We transfer wealth down to our children, across to our siblings and cousins and, most importantly, we can transfer five different forms of wealth up to our parents, aunts, uncles, and grandparents. We go from family reunions to Family Retreats. We don’t just create legacies, we teach future generations how to Build Black Dynasties.

FINANCIAL LITERACY 101

types best fit your picture and what will taxes look like in the future are key considerations. Protecting yourselves in event of an accident that prevents return to work is the difference between an early and a delayed retirement. Keeping the emergency fund handy acts as a buffer between immediate cash and credit. See these as key first steps toward financial security.

By Nicholas Arthur

Financial literacy can be a daunting topic, but understanding it is crucial to live life by design, not by default. Let’s think of it as building a house. First, you have your foundation. Try to remember a time someone has complemented the foundation of your home, but we both know that nothing good comes from a house without a solid foundation. A solid foundation serves as safety net for your financial plan. Life insurance, disability insurance, and emergency savings all play an important role your financial safety net. Knowing how much life insurance is needed, what types best fit your picture and what will taxes look

After the foundation is completed next are the walls, windows, and doors of the house. This is where you apply your savings skills to start paying off debt beginning with the highest interest first and moving your way down. Credit can be your friend, or something that keeps you awake at night. With credit paid down, you can start growing your dollars into the stock market in a welldiversified portfolio.

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When the roof and the interior are completed your get to enjoy your home. Retirement is distributing your cash back as income in the most tax efficient manner. You should able enjoy you golden years without having to check your phone, look at your portfolio and worry if you will have enough that year. Dollars in all taxable accounts can become an extreme tax burden in the future if tax rates increase due our own personal income or federal law. Growing capital in taxfree vehicles is the best way to get ahead.

Financial literacy is not just about accumulating wealth, it is about creating a life that is aligned with our values and priorities. By learning how to manage our money effectively, we can pursue our passions, spend time with loved ones, and create meaningful experiences that bring joy and fulfillment to our lives. In this way, financial literacy can be a key component of a happy and fulfilling life.

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A quarterly digital publication prioritizing self-care and economics.

The magazine intersects spirit, mind, body, family and lifestyles, we write about real estate and small business sustainability.

The editorial mission is to stimulate creative thinking and responsible (quality) journalism to the approach of closing the economic disparities that prevents individuals from upward mobility, particularly, but not exclusively, in the Black community!

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