THE MVET WAY CEMN NEWSLETTER_NOV_DEC_JAN_2016 – 2017_ISSUE_V

The MVET Way CEMN Newsletter and team will provide hope , wisdom , resources , success training , and the opportunity to obtain wealth ... How would you feel if you could step into the light and stop being fearful and frustrated? Wouldn't it be wonderful if your money was working for you to create the abundance of time and peace of mind that you're craving? What if you could get in control of your finances so you could have the resources to not only purchase that which you both need and want, but have the time to pursue your life's most cherished dreams and aspirations? What if you had enough time and money to develop worthwhile employment for others, to have the freedom to spend time in warm associations with family and friends and be of service to others, and to experience the ultimate thrill of having adequate funds to be able to give generously to those in need? "We all deserve incredible, fulfilling lives. Success is possible for everyone! If you have a financial spirit but just don't have the know how to start a successful revenue stream program, The MVET Way CEMN newsletter is designed to give you the tools you need to create your life as you intend to live." Enjoy this incredible newsletter and start designing your life today! Mr. C… President and CEO

The MVET Way… What is The MVET Way? The MVET Way is Thinking Things Into A Higher Level of Existence… The MVET Way is Everything Positive! It moves based on Educating, Motivating, Inspiring, Entertaining to Expected Manifestation! Mind, Vision, Belief, Faith and Positive Energy that it has happened!!

Once you Believe it has happened, then it has! Belief is what you see in your mind because it always works Before Actual manifestation! People who live the MVET WAY Live their belief every day.

THE MVET WAY presents.. Community Empowerment Movement Network (CEMN)

CEMN is a network of future and present entrepreneurs who have made it in their respective trades. Our goal is to provide resources, advice and key strategies for would-be business owners so that they too can join our circle of success. This ground-breaking educational forum is designed to provide an out-of-the-box, yet comprehensive approach to Personal Growth, Financial Education and Wealth Creation.

MVET/DVN/CEBU $10.00 down $10.00 month

Hello MVET Way CEMN Members, This is Rodney “That Mindset Coach.” Part 2 of 3

In the first article, we discussed that the mind is comprised of two compartments – the conscious and the subconscious. We also concluded that our responses are recording in the subconscious as knowns and unknowns. These responses become emotionalized experiences which become our beliefs. In this article, we will continue to expound on this information. The thing about the subconscious is that it does not know the difference between right/wrong or good/bad. All it knows is what it has been programmed. So, if we truly want to change all of the areas of our life, we must take a look at what limiting programs have been installed by others and us. Do you believe the subconscious mind controls your life? What might be some of your limiting beliefs? Now, from birth – 8 years old, we have recorded and accepted everything we have been taught. Those recordings come from our parents/caregivers, our teachers, the church, watching television, and society, without question. We then start to develop the gate known as the critical mind which is controlled by both conscious and subconscious thoughts. Remember, our emotional beliefs and habits have been planted since the age of 8, but, as we grow older, we also develop logic, reason, and willpower. Let’s look at an example of how powerful the subconscious is. Let’s say John has decided he is not going to eat any sweets for 30 days, and he goes to a business dinner with co-workers. They finish dinner, and the waitress brings a dessert menu with colorful pictures. One of the pictures is a slice of chocolate cake that looked like his mom’s chocolate cake that she made for him on his 7 th birthday, his favorite birthday, as he recalls. John says, “I’m not eating sweets for thirty days starting tomorrow”! What happened? John’s subconscious program (88%) took control and overpowered his willpower of the conscious (12%). Your subconscious mind is a loyal foot soldier ready to carry out the program that is installed.

Barry Menser

IMPORTANCE OF UNDERSTANDING CONSUMER REPORTING AGENCIES By Barry Menser, Financial Adviser C.F.P. Welcome to the World of Financial Education and Consumer Reporting Resources PART 2 of 3

In the first article, information was shared about the Fair Credit Reporting Act and the right to obtain a free annual credit report from each of the three major credit bureaus, Trans Union, Equifax, and Experian. It also highlighted the basic financial information that the credit bureaus provide. In Part 2 will continue to disclose additional consumer categories and how they impact our daily lives. Below are some examples of companies that fall into the additional consumer categories. This list is not meant to be a complete listing of companies, but it does provide samples. They are as follows: • Employment Screening- American Data Bank and Intelli Corp. • Tenant Screening-Contemporary Information Corp (CIC) and Core Logic Safe Rent. • Check and Bank Screening-Chex Systems and Tele Check Services. • Personal Property Insurance-C.L.U.E. Inc. (Personal Property & Auto Reports and Drivers History. • Medical-MIB, Inc. and Milliman Intelli Script. • Low-income and Subprime-Clarity Services and Factor Trust. • Supplementary Reports-Core Logic Credco and LexisNexis Risk Solutions. • Utilities-National Consumer Telecom & Utilities Exchange. • Retail-The Retail Equation. • Gaming-Certegy Gaming Services. The above list only goes to show how your credit impacts your daily life. It is the pulse for your financial essence. Your character is based on this report whether you are looking for a job, renting, buying insurance, etc. This document is designed to provide a brief summary and sample of some of the information that was collected, packaged, and sold about your financial practices. We, as consumers, are often unaware of the actions we take, and may think these actions have little meaning or impact upon our lives. By better understanding the reporting process, the spotlight under which we operate and live, the MVET team of business coaches can provide you with insight into the financial world that you often only have small knowledge or understanding. You are on the right track to obtaining the knowledge to reach your financial goals. Consumer reporting companies include: • Employment screening. • Tenant screening.

• Check and bank screening. • Personal property insurance. • Medical. • Low-income and subprime. • Supplementary Reports. • Utilities.

Boost Your Credit Score in 2016 By Craig Buchan, M.A. Part 2 of 3

The first article described 2 of the 5 tips that will help to increase your credit score. In this article, I will share tips 3 and 4 as we continue the quest for improving and maintaining a good credit score. Tip #3: Review your credit report from all three agencies, and dispute incorrect information. You are entitled to a free copy of your credit report from all three credit reporting agencies ( Experian , Equifax , and TransUnion) every year. You can download these reports for free from AnnualCreditReport.com . If you see any incorrect information, it is your responsibility to dispute the information. Fortunately, making a dispute is getting easier. You can register your disputes online (explained here ). And if your situation has not been resolved to your liking, you can complain to the Consumer Financial Protection Bureau online, here . The CFPB would reach out to the credit reporting agencies on your behalf. Tip #4: Don’t borrow money to build your score. One of the worst credit score rumors that never dies is the need to borrow money to build a credit score. You never need to pay interest to have a good score. You only need one transaction (that you pay in full) each month to do well. For example, you could buy one gallon of milk each month on your credit card. If you paid that statement balance in full and on time every month (never paying a dime of interest), you could have an excellent credit score. Why? Because your utilization would be low (only a gallon of milk) and your payments would be on time. That is all it takes. Base on tips 3 and 4, what steps will you take to improve/build your credit score? Part 3 will continue with the final credit score boosting tip #5.

By Debra Day CEO Women Inspiring Women Part 2 of 3

In Part 1, I shared my thoughts and feelings on how important it is to encourage and to have more women entrepreneur in our world and how critical it is, as a solution, to be personal credit worthy and business credit worthy. Working within the MVET Way (Mind, Vision, Energy, and Technology) and the Community Empowerment Network, we have the tools and resources to meet these objectives. In this segment, I want to share this article on how boosting female entrepreneurship can fuel our economic growth. [Forbes Magazine Published 02-19-2015] How Boosting Female Entrepreneurship Will Fuel Economic Growth By Lisa Wirthman Want To Fuel Economic Growth? Support Female Entrepreneurs. Encouraging more women-led startups can have an as much positive impact on U.S. economic growth as the entry of women into the labor force during the 20th century, according to a November 2014 report by the Kauffman Foundation, Sources of Economic Hope: Women’s Entrepreneurship . As more women entered the workforce over the last several decades and began to outpace men in college degrees, they created huge economic gains for the U.S. economy. But many economists now say the 3 percent annual economic growth provided by these trends has slowed, and they estimate a long-term drop in 2 percent growth in years to come, according to the Kaufmann report. To boost growth, women may once again provide the answer. Although a third of U.S. businesses are women-owned, they tend to have less revenue and fewer employees. Women also account for less than 10 percent of founders of the high-growth firms. The silver lining is that women’s severe under-representation in entrepreneurship creates a huge opportunity for growth. “By having women participate in entrepreneurialism at higher rates, especially in the high-growth space, we can actually have a substantial impact on the economy in terms of revenue, in terms of payroll, and in terms of employment,” said Alicia Robb, a senior fellow at the Kauffman Foundation and author of the report . We should be encouraging the growth of female entrepreneurs and it’s important to understand what’s holding women back.

Part 3 will highlight “Learn to Fail”

Are you a Contemporary Entrepreneur? By Brian Perkins, M.B.A.

Part 2 of 3 The Core Concept of Entrepreneurship In the first article, I shared the history of entrepreneurship. In this article, I will continue by examining the core concept of entrepreneurship. The core concept of entrepreneurship is discipline. A discipline that understands the six dimensions of entrepreneurship: strategic orientation, commitment to opportunity, commitment process, control of resources, management structure, and compensation and reward system. By understanding the six dimensions, a person could gather the essence of entrepreneurship and build their dream and vision around the scope of effective strategy with implementation. The discipline of entrepreneurship to build the six dimensions starts with you. That’s right, you the individual. The first test is your mindset mixed with a special personality. You cannot teach, drive, or provide initiative or ingenuity or individuality. You cannot teach a mindset or a personality. You cannot teach in the classroom the lessons learned by starting a company with nothing more than hope, and the ability to talk a bank official into giving you a loan. Do you have the discipline to be a successful entrepreneur? Out of the six dimensions, which one(s) is/are your strongest? Which one(s) is/are your weakest? Part 3 will examine further the characteristics needed to become a successful entrepreneur.

Financial Literacy and Health By Bridge McBride, M.B.A. Part 2 of 3

In the last article we discussed how financial stress can impact one’s health and how important to find balance. With today's financial climate constantly changing, the value of investing in one's ability to obtain balance is vital. Financial literacy is just one component and a worthwhile investment. Today’s climate offers a variety of opportunities. One opportunity can be to employ someone else's knowledge, talents, and skills to achieve one's goals. One expert is a financial wellness or literacy coach. This person assists one with re-training one's mindset to achieve goals and objectives more efficiently. Examine how financial and life coaches can enhance lifestyles. Just as coaches propel athletes to greatness, the same can be afforded to individuals desiring better health, lives, and opportunities. If one has the ability to control money and its uses and not allow it to control them that validates the climate of one's environment (healthy or unhealthy). So how important is a financial wellness coach in your situation? Are you ready to take hold of your stress and develop the mindset for balance and better health?

Dr. Douglas Markham Executive Director Quality of Life Health Plan

“Health Across America Tour” Part 2 of 4

In Part I, I shared how the Total Health Program aligned with the MVET Way philosophy. That you have the right to health, happiness, and prosperity. In Part II, I will discuss my national campaign to prevent obesity-related diseases. In July 2002, John Schneider and I appeared together on CNN's "Larry King Live" where John came out for the first time on national television to share his struggle with childhood obesity. I also announced my plans to depart on my " HEALTH Across America Tour ," part of a national public education campaign on the prevention of obesity-related diseases. The tour eventually took me too many of America's 25 "fattest cities" as ranked by Men's Fitness magazine. At age 16, with a 44-inch waist and weighing just under 250 pounds, John heeded the advice of his brother and began making lifestyle changes. Two years and 50 pounds later, John's acting career took him to the top, being cast as the heartthrob Bo Duke on television's " Dukes of Hazard ." After the interview, Larry shared with me that he had been diagnosed with adult- onset diabetes and was taking the blood sugar-lowering medication Metformin (Glucophage) to control his blood sugar.

In the next article, I will share the results of Larry's total health eating plan.

The Value of the “One-Quarter.” By Steve Smith

Part 2 of 3 In Part 1, we discussed the need to understand how a quarter of a point can add up. By not being financially savvy, you can become a victim of predatory lending. This article will continue the importance of understanding interest rates in regards to credit cards and home loans. A credit card offer, for example, that offers an introductory rate of anything over 20% is not to any consumer’s advantage even to establish or re-establish credit, or to satisfy an immediate need. A competitive interest rate should always be the goal of any educated consumer no matter what their current financial status presently is. While consulting, and advising many personal clients, I’ve come across decisions that were made in a time of need that has hampered, if not destroyed any potential progress that they may have in the future. On many occasions, ridiculous interest rates were directly related to subsequent tax liens, repossessions, and bankruptcies they incurred. Thousands of extra dollars can be paid on a mortgage with as little as an eighth of a point added to the interest rate on that loan. A $20,000 auto loan with an above prime rate can allow for as much as 50-75% above the actual cost of the vehicle over a 4-6 year period. In the last few years, I’ve seen 84-month loans on vehicles that double the original cost of the purchase price. That’s seven years to pay for a vehicle that has practically no value by the time the loan has been paid off. We have to consider these facts before signing away our rights. Many of the facts previously stated are obvious to most consumers, but the thought that “this is just a temporary situation, and I’ll refinance in 6 months or a year” is the ultimate goal. Unfortunately, due to unexpected situations, the goal of refinancing these obligations prematurely never comes to fruition. A laissez-faire approach to what might have a profound effect on future financial health is never to anyone’s benefit. We have to pay attention to current interest rates offered to consumers with good to excellent credit and use that as a reference point. Make it a personal goal to obtain excellent credit and use the resources available to subscribers of this newsletter to do just that. Every component of the MVET Way model is designed to inspire and educate all racial and ethnic backgrounds. Never underestimate the difference in a “quarter point”.

A Personal Story By Professor Harlin, M.A. Part 2 of 3

Hope for Our Community In the first article, I shared a personal story of one of my clients, how he chose not to change, and my hope for him and his family. In this article, I will focus on the hope for our communities and the improvement efforts through financial literacy. It was once thought that a college education was the answer to solving some of, if not most of, the major issues that many communities have historically faced and continue to face today. In an article “Racial Wealth Gap Persists Despite, study says- in The New York Times” it stated “A college degree has long been recognized as a great equalizer, a path for minorities to help bridge the economic chasm that separates them from whites. But the report, raises troubling questions about the ability of a college education to narrow the racial and ethnic wealth gap.” If in fact this statement is true, then a different answer is needed for these communities. When considering and asking what is needed, the idea of teaching financial literacy and educating communities on how to use their monies may be of greater benefit and value to these real people. The next question might be, “How can this be done”? Much of the research indicates multiple factors that should be looked at when exploring how we can best introduce solutions for bringing about significant change within our communities. My list would begin with my top three. The first significant change would begin with financial literacy and education . The second relevant factor would identify core issues (You have to understand your own history to bring about effective change.). The third identified effort must be on teaching critical thinking skills . With the overall goal being changing communities one person at a time, we will have a greater chance of doing so with the three identified key areas as our base. Once again, that is looking at financial literacy, core issues, and critical thinking skills. How can these skill sets be applied to bring hope and change to our communities?

3. How will my property be marketed? Houses are no longer just advertised with a picture in the office window and an advert in the local paper. An estate agent should be up to date on the ways the Internet can be used to market and promote a house. You could also find out whether they use websites like Prime Location (www.PrimeLocation.com.) 4. How will you present my property? House-buying can be extremely influenced by first impressions. Make sure to ask the estate agent how they plan to present the house. Have a look at other properties they have for sale on their website - are the pictures high quality? 5. How long, on average, does a property take to sell? With this question, you are looking for a good middle ground. If properties take, on average, a long time to sell, the estate agent may not be doing enough, or the property might be overpriced. If their properties fly off the shelves, it may be an indicator that they are underselling.

Andrea Harlin, M.A. Part 2 of 3 Six Questions You Should Ask an Estate Agent By Izzy Evans Taken from the article " Six Questions You Should Ask an Estate Agent," in Part 1, I discussed what six crucial questions every potential buyer must ask their agent when considering buying property. I will now talk about the six crucial questions every seller should be asking an agent. Real Estate Questions to Ask When Buying and 1. How much do you charge? This is a crucial question for anyone using an estate agent to sell their house. Many people do not realize that you can negotiate over this figure which can save you some money. However, you should not haggle too hard as the fee is representative of the quality of service and how much effort the estate agent will put in. A higher price should usually, but not necessarily, mean a better quality of service. Most estate agents will charge between 1 and 3 percent of the sale price. 2. How can I contact you? During the house selling process, you will want to be able to contact you estate agent easily and to get a quick response. Having a hard-to-reach estate agent can add unnecessary stress to the Selling Properties If You Are Selling:

Are you a member of any regulatory Organization? There are several organizations that the majority of good- quality estate agents will belong to, such as the National Association of Real Estate Agents & Realtors. These organizations have a practice code of doing things, and membership into one of these organizations is a sign of a reputable and higher-quality service.

process. You can judge for yourself how contactable an estate agent is by asking questions and making inquiries before the house-selling process has begun.

Daryl Mooney

Over the next five articles, we will be delving into the laws for creating the life you want and the life most people dream about. We will be exploring the Law of Cause and Effect, The Law of Belief, The Law of Attraction, The Law of Action, and the Law of Courage. As the information is disclosed, my intention is, that you will apply them consciously into your daily lives and come closer to manifestation, closer to the abundant life to which you are entitled. The first law, we will concentrate on is the Law of Cause and Effect.

Part 2 of 3

We began this awareness journey with the Law of Cause and Effect. We learned that our causes, whether conscious or unconscious create the effects in our lives. This law is set in stone, no exceptions. The goal, get conscious!!! In this second article, we will explore the Law of Belief.

Law of Belief

There is a saying "I will believe it when I see it." We should say and practice "I will see it when I believe it." Your strong beliefs, your innermost convictions, largely determine how you think, feel, and act, and the results that you get. If you have strong beliefs of optimism, confidence, and ultimate life success, nothing will be able to stop you from ultimately achieving your goals. Your 'real' beliefs are stored in your subconscious mind and your response to life out of that mind. If you have negative beliefs of fear, self-doubt, and inferiority, nothing can help you. No matter what the goal, rather it be in a relationship, business, sports, education, wellness or personal power, there is one common belief that successful people have; no matter what happened, they would ultimately be successful. They have the unshakable confidence in their ability to overcome all difficulties and finally succeed. They look upon every setback or disappointment as a learning experience that helped them to do the right things later on. In other words, they found the lesson in the challenge. And because of this belief, they became unstoppable. You must "see it, then believe it." See what you want in your mind's eye, affirm, and learn from successful role models. When you anchor the positive reality, you have to create in your body, mind, and spirit; you will start believing it. And from that belief, you will find a way to be successful. You are unstoppable when you don't stop. I had first to believe I could write articles on the laws of the universe, and I did that by visualizing over and over me writing them, and now I am doing it! My choice, my belief, and now I am unstoppable. Thanks for reading.

MVET WAY Supporting – 16 Year Old Entrepreneur Nicole Nickens “Nimoni Apparel”

Dr. Douglas Markham Executive Director Quality of Life Health Plan www.qualityoflifehp.org(805) 551-6255 (800) 382-5678

Andrea Harlin – Credit Testimonial

Elaine Lang – Credit Testimonial

Steve Smith – Credit Testimonial

Brittanie Day– Credit Testimonial

Daryl Mooney– Credit Testimonial

Build Your Own Bank! Joyce Business Funding Testimonial

Build Your Own Bank! Denise Business Funding Testimonial

Build Your Own Bank! Joyce Business Funding Testimonial

Build Your Own Bank! Darin Business Funding Testimonial

Build Your Own Bank! Jacqueline Business Funding Testimonial

MVET WAY - 16 Year Old Entrepreneur Nicole Nickens "The One Minute Pitch"

MVET WAY -Karen and Bilal "The One Minute Pitch"

George McDonald "The One Minute Pitch"

Norman Tate "The One Minute Pitch"

MVETWAY - Andrea Harlin "The One Minute Pitch"

MVETWAY - Dwanye Mooney "The One Minute Pitch"

MVETWAY - Phyllis Parker "The One Minute Pitch"

DUPLICATION TO MILLIONS 2016 MVETWAY/ CEMN – MR. C. Plan Your Work with The I AM

DUPLICATION TO MILLIONS 2016 MVETWAY/ CEMN - John Allen - Teaching, Educating & Motivating

Elaine Lang/Volunteer Donna Middleton/ Editor Joyce Perkins/ Editor

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