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When trying to decide whether to use a credit union or a bank when applying for a credit card. There are a few factors to consider.

1.) With a credit union you are a member, or a stakeholder. With a bank you are simply a customer. Banks are for-profit institutions and their goal is to make money for the stockholders of the company. A credit union is not-for-profit entity and their goal is pass through the profits to the members. This comes in the form of added member benefits such as low fees and low rates.

2.) Its a misconstrued opinion that credit unions have limited branch and ATM locations. However, many credit unions belong to larger networks, such as the Credit Union Service Centers.

3.) Most credit unions offer credit cards just like a typical bank. What isn’t so typical are the exceptionally low APR rates they offer.

4.) Credit unions have many available ATMs, but they are also fee free! The average fee for an ATM is $2.33 and is on the rise. Now if you use your bank issued ATM card at a third party ATM, then you just doubled your fees. With a credit union ATM card, you can withdraw your own money fee free as long as it’s at a participating ATM. Even if you withdraw money from a third party, you may have to pay their fee, but most credit unions don’t charge for the transactions themselves. I’m too busy to walk into a branch office every time I want to withdraw some money, and I feel that I shouldn’t have to pay hefty fees when I do.

5.) At a credit union, credit cards, home equity loans, mortgages, auto loans, and personal loans all enjoy lower rates than you will find at a bank. At the same time, savings, checking, money market, and CD’s have higher rates. I don’t typically endorse putting any significant amount of your money into savings and CD’s as inflation tends to outpace them, however, most people feel more comfortable doing so and they might as well earn a higher rate!

Do you consider yourself a person of prosperity??? Well, if so, we've been looking for you! Currently, GPS is looking for People Who Prosper OR anyone that is successful, considers themselves successful, or on their way to success!

We are looking to feature and introduce people who are up and coming in their business or already there! PeopleWhoProsper.com is a place that will feature these business owners and share your stories with someone who just might be able to relate. Sometimes it helps to stay motivated when you hear other people's stories, and this is our goal: Not only to feature successful prosperous people, but to help keep others MOTIVATED.

The other part of this, is that we want you to tell US about YOU. It's easy for anyone to find your website, blog, Facebook page, or twitter. But PeopleWhoProsper.com is a place for you to challenge yourself and put yourself out there. We give you a chance to brag about yourself! Because let's face it, if you can't talk about you, then who else will? Tell us about your business and services and how long you've been in business. We want to hear your story. Why did you decide to go into business for yourself?

I am challenging you today to step out and tell others about you! Here's what you have to do:
Email with subject line PeopleWhoProsper to tamara@garrisonprosperitysolutions.com
Include your business name, website and a synopsis of "your story".

After getting in touch with you, you will be sent a series of questions about yourself, your business and/or services.

After you return the answered questions, you will then be featured on GarrisonProsperitySolutions.com, PeopleWhoProsperTV, and up to 16,000 people on you tube!

So, take the first step today and tell us about yourself! You never know who will need to hear your story or need your services!

Deuteronomy 8:18: But thou shalt remember the Lord thy God: for it is he that giveth thee power to get wealth, that he may establish his covenant which he sware unto thy fathers, as it is this day.

Introducing the FIRST "PeopleWhoProsper.com" featured entrepreneur, Rochelle Carter, SPHR. Since starting Ellechor Publishing House in 2009, she has signed 12 authors and released six books! Ellechor is a royalty paying/no author investment, Christian book publishing company. She also started Live.Write.Publish! which is a self-publishing imprint for authors who want to maintain full control. I have had the privilege to ask her a few questions and hear her inspirational story and share it with you!

She answered a few questions about herself so that we may get to know her.

1.Tell me your story. What were you doing before you started your own business?

I was, and still am, a Senior Professional in Human Resources and a Project Manager. I had a great job right out of College and was blessed to work with many great people at a great company.

2. What made you want to start a business and what is your mission?

I started this business as an investment and for the long-term satisfaction of a family business. I needed to put myself in a position where I could have a business that I loved and create opportunities for others. I chose publishing because reading is my passion and writing was my hobby for a long time. I thought it was time we made our relationship official, plus I had always wanted to be an editor!
Our mission is to produce quality Christian Fiction and Non-Fiction that changes lives while entertaining, and to provide hope/support to aspiring authors in a company that will dream big with them.

3. What inspires you? What keeps you motivated daily to keep growing your business?

My love for books inspires me, and my authors keep my motivated daily to do my best and to keep growing this cause. They have put their faith in God and in me, and I pray that God continues to bless me so that I can bring inspiration to them. I ask myself daily, what have I done for my authors today? What have I done to promote Christian books today?

4. Do you have a mentor? Who is it and why? Do you believe it's important to have one?

This is a surprisingly tough question! One mentor is Demetria Hayes, because she brought me into Human Resources and the world of helping people. Without her guidance, I may not have been motivated to find my true joy in work. I do a lot of career counseling and resume writing because she showed me how I can use my skills to help others. My second and all-time favorite mentor is my mother. She worked hard to get her Masters while raising four children, started her own business in a time of need, went to the Philippines to gain her PhD later in life. She is always getting things done!! It's so important to have a mentor, because they are the one person you will never compare to and therefore your motivation to keep moving. If you no longer see the value in your mentor, you need a new one! You should never be without a positive influence.

5. What would you tell someone who wants to get involved in your line of business but doesn't know how to get started?

Call me! Or, just jump right in. Thinking about writing a book? Just start! Want to be an editor? There are plenty of college students who need help. Offer your services free of charge to an author with a completed manuscript in exchange for a reference. There is no great starting point. I have met with many professionals in my journey who wanted to set me back, and I refused. I have not regretted it for one moment, because God has blessed me with a great team and we are getting things done right!

6. What advice would you give to someone with an entrepreneurial spirit?

If you are looking for something lasting, forget the get-rich-quick plan. What do you LOVE to do? What can keep you up hours at night with no regrets? Do that! Write the business plan- it doesn't have to be pretty but cover the basics in 4 pages or less. You can refer to it as a basic outline until you work out the details. Find others with your same passion, always keep learning more and be willing to adjust to new situations.

I just want to thank Rochelle for stepping up and taking the plunge of telling her story. It is so refreshing to hear other people's stories sometimes for many reasons: 1. to learn from their mistakes. I know, may sound a little harsh but it's true. That's why these people share their stories, so that you don't have to go through some of the same hardships they went through. 2. to gain, rebuild or sustain your motivation. If they can do this, surely you can! So, make sure you're reading successful and prosperous people's stories often to keep your fire burning!

Again, thank you Rochelle for sharing how you became so prosperous.

Til next time!

Hear Rochelle's story on PeopleWhoProsperTV

We are always looking for people to feature on PeopleWhoProsperTV and garrisonprosperitysolutions.com. So, if you're bold enough and proud enough of yourself and your accomplishments in business, then I dare you to share your story with us! Just email PeopleWhoProsper to Tamara@garrisonprosperitysolutions.com for more details!
Tamara Garrison-Thomas
deut8:18
www.garrisonprosperitysolutions.com

Successful Southern Sistas is pleased to present our May Feature Friday interview. This month we’re featuring Kimberly S. George, Owner of Lab-Ratz Technical Solutions in Dallas/Fort Worth, Texas. This under 30 tech savvy Diva is not taking no for an answer as she builds her successful Information Technology services company. Recently, we had a moment to speak to Kimberly and to learn more about how she’s blazing a trail for other women in the information technology field.

Please tell us about your background? I’m Kimberly George the owner of Lab-Ratz Technical Solutions.
I am a Louisiana native but relocated to Dallas Texas in 2007 after finishing grad school at Southern University A&M College to pursue a career in technology. In 2009, I started Lab-Ratz Technical Solutions – an IT services company that provides computer and network support to small businesses in the Dallas Fort Worth Metroplex.


Wow, there aren’t that many women in the I.T. field, How are you blazing a trail?
I think that I’m blazing a trail for women in IT honestly by having the courage to start a business in an industry that is male dominated. By starting Lab-Ratz, I’m showing the world that I/women are just as knowledgeable in IT and capable of helping small businesses owners with computer problems as my male counterparts.


What is the best business advice you’ve received?
The best business advice I’ve received was to remain resilient in my endeavors as a small business owner and to never give up on anything that you truly love and are passionate about doing. I’ve also been told to surround yourself with people who are going to lift you higher. For me, surrounding yourself with people who have your best interest at heart is very important. As a small business owner, there are times that you will get discouraged, and want to quit. Surrounding yourself with positive people who continuously motivate you to pursue your dreams no matter what– can make all of the difference in the world.

Read the Full Interview

CALLING ALL NONPROFITS...ABC7 WANTS TO FEATURE YOUR EVENTS!! ABC7 is committed to supporting and working with the community based non-profit organizations that service Southern California by providing free air time in the form of Public Service Announcements (PSA’s).

If you require additional information, please call the Public Affairs Department at (818) 863-7220 and state you were referred by KIMIRHOCHELLE!

When submitting your event include:

1.Typewritten public service announcement on your organization’s letterhead or flyer or press release publicizing the event.

**if you need assistance with your press releases please call KRPR @ 909-543-2978

2. Include date, time, place, a phone number and or a website address that the public can use for details, as well as a phone number and contact person for our office to call.

3. Proof of non-profit status for your organization (either a Southern California Broadcasters Association number or a 501-(C) (3) Tax-exempt number).

Send it at least four weeks in advance of the event to:

7 DAY PLANNER500 Circle Seven DriveGlendale, CA 91201

Fax: (818) 863-7227 (Attn: 7 Day Planner)

E-mail: 7dayplanner@myabc7.com

KimiRhochelle PR Event & Entertainment Firm (KRPR) is a turn-key full service media firm that cross markets and globally transits your brand, image, product, service, event or just information locally, regionally, nationally and internationally.

SERVICES INCLUDE:

COMPREHENSIVE MEDIA STRATEGY
MEDIA PLACEMENT (ALL MEDIA)
PRESS RELEASE DISTRIBUTION
EMAIL DISTRIBUTION TO OVER 200,000 & TARGETED
STREET TEAM FLYER DISTRIBUTION (SOUTHERN CA.)
INTERNET ADVERTISEMENT / POSTINGS
EVENT PLANNING, IMPLEMENTING, MANAGEMENT
RED CARPET VIP GIFTBAGS
RED CARPET VIP ARRIVALS
GENERAL GIFTBAG DISTRIBUTION
VENDOR OPPORTUNITIES
DIGITAL DOWNLOAD
SOCIAL NETWORK / SEARCH ENGINE OPTIMIZATION

TARGET CLIENTS:
PR FIRMS
PRODUCERS
PROMOTERS
NONPROFITS
PRES/CEO OF FORTUNE 500
ENTERTAINMENT EXECUTIVES

KRPR offers the following opportunities:

1. COMPLIMENTARY- KRPR FAN PAGE
Join our FAN PAGE: post your events, press releases, job/career openings, videos and more.. we share with FB, TWITTER and other social network sites when we repost.

visit: JOIN KIMIRHOCHELLE PR EVENT & ENTERTAINMENT FIRM FAN PAGE.. to receive exposure and for more information about our services.. http://www.facebook.com/note.php?created&&suggest&note_id=330626152649&id=121713721808#!/pages/Fontana-CA/KIMIRHOCHELLE-PR-EVENT-ENTERTAINMENT-FIRM/121713721808?v=info&ref=sgm

2. COMPLIMENTARY- LYFESTYLES NETWORK
Join the Lyfestyles Social Network: create your profile, add your blog, pictures or events...we share with GOOGLE, YAHOO, FACEBOOK, TWITTER, MYSPACE & more... complimentary! http://www.urbanlyfestyles.ning.com

3. NONPROFITS-COMPLIMENTARY
Send your press releases to KIMIPRFIRM@GMAIL.COM we send to various news media and post on various social network sites.

4. MEDIA-COMPLIMENTARY
Send your press releases to KRPRMEDIA@GMAIL.COM we send to various news media and post on various social network sites-THIS IS FOR MEDIA USE ONLY!!!

5. PRESS CONFERENCES-FEE BASED
KRPR creates a media press conference that includes press release creation and submission, media day event planning and management, VIP guest list/RED CARPET and more.

6. MEDIA STRATEGY CAMPAIGN / PLACEMENT-FEE BASED
KRPR will create a yearly media strategy based on your marketing and advertisement budget, create the message, brand, image if needed and place in stratetic targeted media platforms at reduced rates of 5%.

7. EVENT PLANNING/MANAGEMENT-FEE BASED
KRPR will create, implement, manage your seminars, conferences, special events, holiday parties and/or training sessions in part are in totality specific to your needs and goals.

8. SOCIAL NETWORK SEARCH ENGINE OPTIMIZATION-FEE BASED
KRPR will review and/or implement your personal social network cross marketing strategy that includes email database campaigns, branding of logo, revenue stream opportunities, blogging and/or e-newsletter campaigns.

For more info, please call 909-543-2978