In this episode we talk about the importance of resilience in business success. As entrepreneurs we experience both highs and lows in our business be sure to listen to this episode for tips and real life examples to help increase your resilience particularly in the face of online challenges like identity theft and cyber hacking.

Crisis Resilience Strategies for Business

During a crisis, business resilience is important, you must be willing to adapt and maintain confidence. You can pivot from selling financial services to doing offline consulting, training online and offline.

Managing the reputation of your business in crisis situations is a must! Public relations with help from a publicist can do wonders. However, doing it yourself through self-education from books and courses is an alternative for those who cannot afford professional assistance.

Cybersecurity for Solopreneurs and Small Businesses

On average it costs a small business $15,000 when they experience a breach, and causes most small businesses to go out of business.It is crucial for small business owners to implement cybersecurity, especially if you're a solopreneur. Regularly doing antivirus scans, having firewalls, and purchasing a small business owners policy (BOP). A small business owners policy has a minimum coverage amount of $15,000 for cybersecurity.

Implementing multi-factor authentication for online accounts (email, social media, etc...), and maintaining a backup phone that is used for security purposes only. Also, monitor your credit reports, social security statements, and business addresses for any signs of fraud.You need for an emergency plan in case of an online or offline business crisis. Automating parts of your business or finding assistance to help maintain consistency, as well as actively doing offline marketing and networking. By combining your online and offline efforts, it can lead to business growth and accelerate the restoration of your business's reputation.

Building Resilience

The speaker discussed resilience in business and personal life, emphasizing the importance of self-belief, strategic planning, and adaptability. They shared personal experiences and examples of successful businesses that overcame crises, highlighting the need to study and learn from others' success stories. The speaker stressed that resilience involves consistent effort, even when progress seems slow, and encouraged listeners to draw on their past experiences to overcome challenges.

To register for "Business Success & Sales Essentials Bootcamp" on August 29th, 2025, go to www.Tashaya.com

The "Business Succession & Sales Essentials Bootcamp" will help small business owners plan for transition, scale, and build business value for potential sale.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group.

#tashayasinlgeton #business #success #womeninbusiness #thesecretsofearningmoneyshow

Happy Black Business Month! We are celebrating and highlighting positive growth trends in Black-owned businesses and discussing strategies for successful business partnerships, emphasizing the need for clear contracts, shared values, and consistent effort in entrepreneurship.

Our host, Tashaya Singleton, is hosting an upcoming virtual Business Succession and Sales Boot Camp on August 23rd., go to www.tashaya.com for the details.

There has been positive growth in Black employer firms, noting an increase to 134,567 firms with total sales of $133 billion. Black businesses are primarily in the healthcare and social assistance sector.

Many businesses are started through bootstrapping, and because of limited funding there is an importance for collaboration between complementary businesses. Joint efforts can reduce marketing costs and increase reach. They help business owners to create databases of referral partners and organize joint events for cross-promotion.

Shared values, written contracts, clear terms and conditions, and a joint marketing plan help to minimize conflicts and ensure successful collaborations.

Commitment and consistency is important in entrepreneurship, because while passion is crucial, maintaining consistent effort, even if small, is key to long-term success. There is also a need for business partners to align on commitment levels and manage finances carefully, because generating high revenue does not guarantee profitability without proper expense control and cash flow management.

Building a strong advisory team is important for small business owners. That team should include bankers, accountants, and legal professionals, to navigate future crises and access government assistance programs.

For inspiration this month, read "Succeeding Against The Odds" the autobiography of John H. Johnson, founder of Ebony and Jet magazines, as an inspiring example of perseverance and success despite facing significant challenges.

#tashayasingleton #thesecretsoearningmoneyshow #podcast #blackbusinessmonth #blackbusiness #businesssuccess

This is National Women's Small Business Owner Month, and we're celebrating all month long. In today's episode our host shares business etiquette to help you get a better return on the time you invest this holiday business networking season. Listen to this episode to make an excellent professional impression and meaningful connections at networking events and parties.

Attending networking events and company holiday parties can present good opportunities to build connections and leave a lasting positive impression, when approached with the right etiquette. Whether you're mingling with colleagues or meeting new industry contacts, here are essential tips to help you project professionalism and make the most of these events.

Projecting a professional image is not just about looking good on the outside. Yes, dressing appropriately for the occasion and venue are a must, but carrying yourself with

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would like our host, Tashaya Singleton, to assist you with your business, insurance or financial goals, send an email to [email protected] or visit her website ⁠www.tjsfinancialsolutions.com⁠

#thesecretsofearningmoneyshow #tashayasingleton #networking #business #success #womeninbusiness

Happy Women's Business Owner Month! As we continue celebrating, today's episode about how mentorship can increase business success. Listen to this episode to tips on effective mentorship.

Mentorship provides much needed support by offering encouragement, constructive feedback, and actionable guidance to help women navigate obstacles and achieve their goals. Whether it’s dealing with workplace dynamics, learning new skills, or overcoming industry-specific challenges, having a mentor provides a trusted resource to turn to.

Mentors are effective in helping women develop key leadership skills, boost their self-confidence, and take on new challenges with a sense of direction and purpose.

The majority—69%—of women prefer to have for having woman mentor. This is probably because women mentors often have more understanding of the unique challenges women face in male-dominated industries, allowing them to offer more relatable advice and support.

There are 3 common types of mentorship - formal programs, informal relationships, and peer-to-peer mentoring. Each type provides valuable benefits. Formal mentoring is often structured through the workplace or a professional organization, while informal and peer-to-peer mentoring usually develop naturally through networking or shared professional interests.

For women business owners, mentorship can be especially powerful because it improves industry and business knowledge, but it also helps them stay accountable to their goals and uncover blind spots they might not otherwise see. Effective mentors can help their mentees stay focused, push past obstacles, and gain the insights needed to drive their career or business forward.

Mentorship can, ultimately, transform a woman’s career, business and life by offering the clarity, confidence, and community support to succeed. Whether you’re a rising professional or a business leader, having a mentor is an essential resource for growth, resilience, and achieving your full potential.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would like our host, Tashaya Singleton, to assist you with your business, insurance or financial goals, send an email to [email protected] or visit her website ⁠www.tjsfinancialsolutions.com⁠

Happy Women's Small Business Owner Month! In today's episode we are talking about how Life Insurance Can Help Small Business Retain Talent and Create Your Succession Plan. Listen to this episode for tips on ways your can use Life Insurance to fuel long-term business success as a Small Business Owner.

Retaining key employees and planning for succession are essential to long-term business success. The strategic use of Life Insurance can help protect your business, ensure

Keyman Life Insurance is designed to protect your business if a key employee, such as an executive or

A Buy-sell Agreement can be funded by Keyman Insurance to ensure that if a business owner retires or

A deferred compensation plan acts like a pension for key employees, offering incentives for staying until retirement. The company owns the policy and provides retirement income, often through an annuity. Additional benefits like continued health insurance can further solidify employee loyalty and retention.

By using Keyman Life Insurance, Buy-sell Agreements, and deferred compensation plans, small businesses can protect their operations, create a secure future, and reward key employees while also building a sense of loyalty and commitment.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would our host, Tashaya Singleton, to assist you with your business, insurance or financial goals, send an email to [email protected] or visit her website www.tjsfinancialsolutions.com

#podcast #thesecretsofearningmoneyshow #tashayasingleton #blackbusiness #womeninbusiness

As Self-Improvement Month comes to a close, in this episode we are talking about how positive thinking can improve your chances for business success. Be sure to listen to this episode for tips to keep you motived and on creating a positive mindset for business.

Positive thinking is more than staying upbeat—it’s about intentionally focusing on solutions rather than problems, and seeing opportunities where others see don’t. This mindset shift can have a dramatic impact on your business, influencing every business decision you make, ultimately laying the foundation for long-term growth and success.

As entrepreneurs and business owners, we are under constant pressure. There are always problems to solve, everything from handling financial challenges to managing operations and leading our team. A positive mindset can help you see these challenges as

1. Improves Problem-Solving

2. Boosts Productivity

3. Improves Leadership and Relationships

Ask yourself, is your mindset helping you or holding you back? Take some time, alone, and think about your answer. Then make notes on things that you can change right now to help you move towards a more positive mindset, so you can improve your business and personal success.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would to

#podcast #thesecretsofearningmoneyshow #tashayasingleton #selfimprovementmonth #selfimprovement #positivethinking #blackbusiness #womeninbusiness

This is Life Insurance Awareness Month and in today's episode we are talking about Life Insurance and planning for a Special Needs loved ones. Listen to this episode to avoid costly mistakes, make informed choices and a better understanding this complex issue to ensure the financial future of your loved one when you are no longer here.

Planning for the future care of a loved one with special needs is both a challenging and vital responsibility. Life insurance can play a crucial role in ensuring their long-term financial security, but there are important considerations to keep in mind. Can they qualify for life insurance? How much coverage should you purchase? And most importantly, will it affect their eligibility for government benefits? Here’s what you need to know.

Yes, individuals with special needs can get life insurance, but the type and amount of coverage will depend on various factors like their health, age, and the severity of their disability.

 If they qualify, they may be able to obtain a traditional life insurance policy—just like anyone else. However, if their medical condition or disability prevents them from qualifying for traditional coverage, there are alternative options available, such as:

- Final Expense/Burial Insurance

- Simplified or Guaranteed Issue Insurance that don’t require a medical exam

 Will Life Insurance Affect Their Government Benefits?

Government benefits like Medicaid and Supplemental Security Income (SSI) have strict eligibility limits—individuals cannot hold more than $2,000 in assets to qualify. Without proper planning, receiving life insurance proceeds could push them over that limit and jeopardize their benefits.  

Setting up a Special Needs Trust is one key solution. A Special Needs Trust can hold life insurance payouts and other assets in a way that does not disqualify your loved one from receiving government assistance. With the right structure, the trust can pay for important expenses.

 How Much Life Insurance Can I Purchase on My Loved One?

The amount of life insurance coverage you can buy will depend on whether your loved one qualifies for a traditional policy or requires alternative coverage. For traditional policies, the coverage amount can be as high as that offered to anyone else, based on their health, age, and the nature of their disability. For simplified or guaranteed issue policies, the coverage amounts are typically lower.

 How Much Life Insurance Should I Buy?

The right amount of coverage depends on several factors, including the expected needs of your loved one and your financial situation. Some critical areas to consider

 - Affordability

- Medical Care Costs

- Living Expenses

- Caregiver Compensation

- Emergency Fund

 Using a Special Needs Trust to Protect Benefits

The trust allows for life insurance proceeds and other assets to be managed by a trustee who ensures that distributions are made for the benefit of the person with special needs, without jeopardizing their eligibility for government programs. The trust can cover expenses not typically paid by government programs.

 Life insurance is a common way to fund a Special Needs Trust, using either term or whole life policies.

 Special needs planning, particularly when it involves life insurance, is complex and requires the expertise of several professionals. A team of specialists—financial planners, insurance professionals, estate planning attorneys, and tax advisers—is essential for developing a comprehensive plan to safeguard your loved one’s future.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would to

#podcast #thesecretsofearningmoneyshow #tashayasingleton #lifeinsurance #lifeinsuranceawarenessmonth #specialneedsplanning

Happy Self-Improvement Month! In this episode we will be talking about Self-Improvement, what it is, why it's important and the reasons for doing in it and not doing it. Be sure to listen to this episode to tips to help you say "This was a good year" on December 31st.

As we approach the end of the year, this is a natural time for reflection, and it’s important to decide what you want to improve. Consider focusing on one of the four core areas: physical health, mental strength, spiritual well-being, and financial stability.

Take some time to sit alone and assess where you are in each of these four areas, then identify which area you want to focus on improving. But remember, the key to lasting self-improvement is having a genuine desire and a clear reason for change. Your reason should align with your personal values and vision for a more meaningful life. Because if your change is driven by the pressure of others, they most likely will not stick. So instead, focus on the goals and purpose that are important to you and self-improvement will become a natural step toward creating the life, business and legacy you desire.

If you're read to start making a change right away, then consider starting small with a three-day challenge today. Choose one area to focus on, whether it’s improving your diet, practicing mindfulness, or creating a financial plan.

While a three-day challenge may be short, the goal is to start laying the foundation to create lasting habits that will enhance your life in the long term. Remember, true self-improvement requires consistent effort and a clear vision of where you want to go. With commitment, on December 31st you can say "This was a good year" while embarking on more fulfilling chapter in your life.

#selfimprovement #success #vision #tashayasingleton #thesecretsofearningmoneyshow #podcast

Happy Life Insurance Awareness Month! In today's The #1 question people ask about Life Insurance is "How much do I need?". Some people think the answer to this question should be simple, however the answer is more complex than they know. Listen to this episode as we talk about the answer to this frequently asked question.

How Much Life Insurance Do You Need? A Guide to Ensuring Your Family's Future

When it comes to financial security, one of the most asked questions is: "How much life insurance do I need?" Life insurance is more than a safety net, it is the foundation for a solid financial and estate plan that helps you and your loved ones maintain the quality of life, that you have come to know and enjoy, if something catastrophic like death or disability happens.

Assessing Your Needs

The right amount of life insurance is unique to each individual and depends on your financial goals and objectives. Start by considering the expenses your family may face:

Building a Comprehensive Plan

Life insurance is a critical part of a good financial plan. A catastrophic event like death or disability can derail even the best financial plan. That’s why it’s essential to have a team of advisors—including a lawyer, investment advisor, insurance professional, and accountant—working together to create a plan that fits your unique needs.

Ultimately, the amount of life insurance you need will depend on your financial goals and the legacy you wish to leave behind. Protecting your loved ones starts with making informed decisions today.

#podcast #thesecretsofearningmoneyshow #tashayasingleton #lifeinsuranceawarenessmonth #lifeinsurance #financialwellness #financialliteracy

This is Black Business Month, and we are celebrating all month long, in this episode we talk about the benefits of buying a franchise to achieve business success. Listen to this episode to learn why a franchise could be a better pathway to business success.

Many prospective business owners overlook franchising as a viable option, often associating it with the steep costs of owning a McDonald's or another high-profile chain. However, not all franchises require a million-dollar

Currently, Black-owned businesses account for approximately 11% of all businesses in the U.S., yet only 3% of these have employees, according to the SBA Office of Advocacy. Franchising could be a game-changer for Black entrepreneurs, offering the benefits of brand recognition, an established customer base, comprehensive training, and a detailed blueprint for success—all elements that increase the odds of business longevity.

For Black business owners considering franchising, here are some essential tips:

1. Evaluate

2. Utilize free and low-cost resources from organizations like the SBDC, WBC, SBSD, MBDA, SCORE, and your local Economic Development Department.

3. Attend both in-person and virtual franchise events to network and gather information.

4. Establish a relationship with your banker before purchasing the franchise to ensure financial readiness.

By exploring franchising, Black entrepreneurs can leverage proven systems and support networks, significantly increasing their chances of long-term success in the business world.

If you're think about buying a franchise then you'll want click here to get the FREE franchise checklist created by our host.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would to assist you with your business, insurance or financial goals, send an email to [email protected] or visit her website www.tjsfinancialsolutions.com

#podcast #thesecretsofearningmoneyshow #tashayasingleton #blackbusiness #business #success #bipocbusiness #franchising