While everyone else is simply getting ready for the Thanksgiving holiday, the Soldiers of the Cross - Men of CrossRoads Covenant Church in Desoto Texas will also be deliberately hosting a powerful Men's Impact Weekend!  

It was such a blessing to be a part of the
2014 Wolfe Project School Reunion in Dallas Texas!

Stay tuned for registration information. Limited spaces per class.

The Wolfe Project School was birthed in 1938 in rural Southeast Arkansas as a segregated school that served needs of African American students in the Desha School district. The school and the community continued to grow and thrive until school was closed in 1967 as a result of integration.

I'm honored to serve as a guest speaker at The 4 T's Relationship Summit that is sponsored by Healing Thine Hearts Ministry. The Summit will be held Saturday July 26, 2014 at the Hilton Garden Inn in Richardson Texas.

As the name implies, the focus of the summit is relationships. Whether you are dating, married, dealing with your children or your boss - every successful relationship is built on 4 specific pillars. These 4 pillars are Time, Talk, Truth and Trust. By attending this conference and hearing from the 5 guest speakers you will learn the preventative measures of avoiding continuous failed relationships by taking the step-by-step approach to relationship success.

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I'm excited to share insight on our personal financial "seasons". I'll share wisdom on understanding and our personal financial times as well as maintaining healthy relationships despite the differences in the financial timing of those individuals that are the center of our most prominent relationships. As money is always a strong topic of discussion in our marriages, single friendships and in relationships with our children and employers, this insight and steps for practical application can prove to be beneficial to everyone.

Get more information on the 4 T's Relationship Summit and complete your registration on the Healing Thine Hearts Ministry site.

This is going to be great! See you there!

Carolyn

I'm honored to serve as a guest speaker at The 4 T's Relationship Summit that is sponsored by Healing Thine Hearts Ministry. The Summit will be held Saturday May 3rd, 2014 at theHilton Garden Inn in Richardson Texas.

As the name implies, the focus of the summit is relationships. Whether you are dating, married, dealing with your children or your boss - every successful relationship is built on 4 specific pillars. These 4 pillars are Time, Talk, Truth and Trust. By attending this conference and hearing from the 5 guest speakers you will learn the preventative measures of avoiding continuous failed relationships by taking the step-by-step approach to relationship success.

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As is customary, I will bring the topic of finances to the discussions. Think about your key relationships right now… how many of them have finances as a significant component? If you're honest you will note all of them! If the relationships are with your children, spouse, best friend or relative, the concept of money or lack of money plays a role at some point in time in all of our significant relationships. Understanding the money / relationship elements and getting tools to assist you in maintaining successful connections in good and not so good financial times will prove to be beneficial today and in years to come!

Get more information on the 4 T's Relationship Summit and complete your registration on the Healing Thine Hearts Ministry site. They have a number of enrichment events for you to consider.

Thanks for your support. See you there!

Carolyn

We recognize and celebrate the life of Dr. Martin Luther King, Jr.

Pastor, Activist, Humanitarian, Civil Rights leader

85 years after his birth on January 15, 1929.

46 years after he was assassinated on April 4, 1968.

He lead a campaign for civil rights change in America in his 39 years of life.

What are you doing to change the world in these days that you are given?

Country Road, take me home...  Not original but it seems so appropriate.

I am looking forward to the weekend of June 8th in which I along with two of my anointed friends will travel to the Wolfe Project community in Tillar, Arkansas to greet the ladies and gentlemen of St. Andrew MB Church.  

The women's department of St. Andrew MB Church is hosting "Becoming a Woman of Excellence" conference and I will be one of the guest speakers.  I am honored to serve during this conference and especially humbled as I will be returning home to the church that I attended as a child!

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Those of you that know me can confirm that I have only one very important message - We should be eager to move into our proper place as we manage our personal finances following the principles detailed in the Christian Holy bible.  This message will be packaged in a frame that will be a custom fit for those that will be in the congregation as I'm guided by the Holy Spirit.  You don't want to miss it!

The conference chairpersons are Ms. Hilda Alexander and First lady Patricia Allen.  This church is under the leadership of Pastor Eddie Allen, Sr.

Get more information on this conference here and make plans to join us.  No charge for the conference.  Guaranteed to be life-changing!  Will be great to see you there!

Wow!  When that’s all you know to say, you know that it was a great day!

I was invited to North Central Texas College in Flower Mound, Texas as a guest speaker for the Learning Frameworks class today.   I must say that I had such a fun time!  Thanks again for instructor Harold Jackson (coach) for inviting me to stand in his stead.  The students in this class were engaging and encouraged to move forward with becoming more fiscally empowered!  

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As I mentioned to the class, April is National Financial Literacy Month!  Everyone is encouraged to devote time and commitment to improving their personal knowledge, strategies and involvement in their personal and business finances.  The key objective here is to better enable us to build a secure future for ourselves and our families through the financial decisions that we make on a daily basis.

Ok class members... Here’s the summary of the class take-aways!

1. Begin using a spending plan!  Be purposeful in how you handle every penny that is entrusted to you.  A key way to do that is to prepare a plan and measure against the plan with the actuals for your income and spending.  If you’d like to use the spreadsheets that I used in the examples, request them from me.  They are free!
2. If you haven’t reviewed your credit report and credit score in the last 12 months, take an action to do that now!  Visit www.annualcreditreport.com to get your entitled credit reports from each of the three credit bureaus (Experian, Equifax, TransUnion).  You are entitled to one free report from each bureau each year.  I’d advise you to get your credit score when requesting this credit report.  This score can included with your order for less an $10.
3. Know what is used to calculate your FICO credit score and adjust your actions as needed to improve your score.  Your FICO score is within the range of 300 to 850 and is made up of the following sources: 

Your FICO Score Explained

35% of your FICO score is based on your payment history.  On-time payments improve   your score.  Late payments means a lower score

30% of your FICO score is based on the amount of credit that you owe.  To improve your score, don’t charge your accounts to the limit.  Try to keep each credit account at no more than 30% charged.

15% of your FICO score is based on the length of time that you’ve had credit.  Don’t cancel the credit cards that you’ve had a long time.  Pay them off and hold them!  The older “account opened” dates improve your FICO score

10% of your FICO score is based on the types of credit that you have.  Try and maintain  a mortgage, revolving and installment account without blemishes and watch your score improve!

10% of your FICO score is based on credit inquiries.  Lenders requesting information on your credit history tend to lower your score as it creates questions of you potentially becoming overextended.  Plan when you will give companies permission to pull your credit information and try to do your “price shopping” activities within a 14 day time span to limit the number of inquiries on your report.

Again, thanks to Coach Jackson and the students of NCTC Learning Frameworks class for welcoming me.  Here’s to a more abundant financial life for each of us as a result of our paths crossing!

Carolyn

NCTC Flower Mound Campus
Learning Frameworks Class

Thank you so much for welcoming me in your classroom to speak to you on managing your personal finances!

After being invited by Coach Jackson to be a guest speaker for this topic, I was eager to meet you all and play a part in encouraging you to take the lead role in determining how financial resources that are entrusted to you are managed and governed.

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Here's a few items that I covered and asked of you:

1.  Get your free credit report via www.annualcreditreport.com.  At this site you will be able to choose to see your credit report from either of the major bureaus (Equifax, Experian, Trans Union).  You are entitled to get one free report annually as a part of this service. 

2.  You can also get your credit score for under $10 at the time that you request your annual credit report.  Not a bad deal.  Go for it and use this number as a starting point for future growth!

3.  Use a spending plan weekly!  This will help you to purposely spend and save in a manner that is in line with your financial goals.  If you would like to have the spreadsheets that I used in class, email me at .   I will get them to you right away!

4.  Watch your step - identify theft is on the rise!!  Keep yourself and your information out of the hands of those that would like to steal from you.  Watch your bank accounts and credit report to determine if someone is attempting to assume your name and identity.

Again, I appreciate you allowing me to share with you.  Here's to your financial life being better than you could ever imagine!

Thanks

Carolyn M. Williams

Octane Leadership Conference - November 9th & 10th 2012 

North Richland Hills Center
North Richland Hills, Texas

It is a great time to review your current financial plans, priorities and practices as you determine if you're positioned to get to your desired destination.  

POSITION

In looking at the definition of the word position, you will see the following words:
- Location             - Situation             - Posture
- State                   - Attitude              - Status
- Place                  - Outlook              - Standpoint

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Think of the money and resources that are entrusted to you and the associated management practices that you're following today.  Are you in the location that you feel you should be?  How would you describe your current state?  

Come to the Octane Leadership conference and get practical tools and guidance in key areas that will propel you into a being a most effective leader.  I will be hosting two sessions on Friday the 9th that will be focused on Financial Positioning for Success.  

At this conference I will introduce an opportunity for you to win the new Apple iPad Mini on 11/30/2012.  You don't want to miss this conference!! 

Here's more information on the conference.  Get registered today!  Here's the link -- >http://octaneconference.eventbrite.com/

Carolyn

I was honored to be the guest speaker for the Learning Framework class at North Central Texas College in Flower Mound, Texas tonight.  Thank you to professor Harold Jackson (Coach) for inviting me to speak to the class on the topic of  money management.

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To the class members that attended:  You're such a great group!  Very energetic and your questions were right on point as needed to get to the details of practical steps that we all can take to improve on our personal financial management.  I did get a few promises to you and I want to hold you to them.  Here's the recap of these promises:

1.  Those in the class that are not currently using a spending plan to manage their personal finances committed to create a spending plan (a spending road map that is to be created BEFORE the month begins and used as the measure when tracking actual spending during the month).  If you'd like to have the spending plan spreadsheets that I used in the class you are welcome to them!  Get them from Mr. Jackson or email me here and I will get them to you via a reply email.

2. For those of you that currently are not saving, you were challenged to begin saving now.  The goal is to begin saving this month (April 2012) by setting aside $5 this month and every month.  Let me know via a comment to this blog post if you rise to meet this challenge.  Here's your accountability opportunity! The $5 saving challenge is the minimum.   If you can save more, please do so!  

We also had an interesting discussion on credit card theft and discussed ways to avoid doing business with those companies that have a high potential for data loss.  Take an occasional look through credit card data breach sites that I noted so that you can be aware if there are data exposure incidents that have taken place the affect you.

Since we reviewed the process that is used to determine your FICO credit score, take the opportunity to implement practices that will naturally improve your credit score.  Start now and your credit score will start to get better now!

Again, thank you for your warm welcome and I wish you all the best  in your education and life ventures!  

Carolyn M Williams

Reign Makers

Business Women's Power Luncheon 

Guest Speaker - Carolyn Williams  

Friday, Nov 4th | 11:15 - 1:00 pm | Bent Tree Country Club

5201 Westgrove Drive  Dallas, TX  75248

Join us for a powerful time of networking, inspiration and impartation during our Business Women's Power Luncheon. Connect with other great women of God including business owners, executives, professionals, working mothers and homemakers who are Reign Makers! Glean great insights from guest speaker, Carolyn Williams as she shares wisdom and strategies on God's plan for wealth transfers and how we can prepare.

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You will also hear her incredible story of miraculous healing from a brain tumor and how God used this season in her life to teach her about Kingdom finances and the power of "giving" that transformed her and launched her into great financial success and tremendous business influence. As a top management executive for a global retailer, God is using her to train, equip and release others in financial and professional success. 

Don't miss this exciting time! Luncheon is $25. Visit covenantchurch.org for more information.  Register early to double your opportunity to win!

YOUR REGISTRATION GIVES YOU AN OPPORTUNITY TO WIN!

Each attendee with their registration will receive the opportunity to win the newest light-weight Kindle with Wi Fi and the ultimate Bible Study Suite. Also, everyone who registers by October 31st will receive 2 entries for the Kindle giveaway!

Bring a friend and remember registration ends Wednesday, November 2nd.