K & A Help

06/02/2026

Put JESUS CHRIST First
in all you do...

Is your Saving Account keeping up with inflation. How many doubles will you receive while earning interest?

One of the most misunderstood words in money is “safe.”

A traditional savings account may feel safe because the balance is stable and easily accessible. And for emergency funds or short-term needs, that kind of stability can play an important role.

But long-term financial safety is bigger than simply avoiding market movement.

The Rule of 72 helps make the difference clear: divide 72 by the interest rate, and you can estimate how long it may take money to double.

As of April 2026, the national average savings rate was about 0.4%. At that rate, money would take roughly 180 years to double.

As of May 2026, the average rate for credit card accounts being charged interest was about 21.5%. At that rate, debt could double in just over 3 years.

That is a major difference between money sitting still and debt compounding against you.

The lesson is not that savings accounts are bad. The lesson is that “safe” should not only mean stable. It should also include protecting your purchasing power, reducing high-interest debt, and making sure your money is positioned for the job you need it to do.

Understanding the Rule of 72 is a simple but powerful step toward making more informed financial decisions.

05/26/2026

Put JESUS CHRIST First
in all you do

STRESS IN THE WORKPLACE

A Community Conversation About Mental Wellness, Pressure, and Balance

Today’s work environment is placing increasing pressure on individuals and families across every profession and income level.

Many people are dealing with emotional exhaustion, workplace tension, financial stress, burnout, anxiety, caregiving responsibilities, and the constant pressure to keep pushing forward while silently struggling inside.

This conversation is designed to create awareness, provide practical insight, and help individuals recognize that mental wellness is just as important as physical health and financial stability.

Join us today May-26-26 at 7pm EST. for an important and timely Zoom discussion featuring:

Special Guest Speaker
Mrs. Dawn Peebles, LPC, CEAP
Dedicated Wellstar Care Navigator

With more than 20 years of counseling experience in the Augusta area, Mrs. Peebles brings professional insight, real-world experience, and a deep understanding of the challenges many people are facing in today’s workplace and personal environments.

Discussion topics may include:
• Workplace stress and burnout

• Emotional fatigue and mental overload

• Balancing work, family, and personal responsibilities

• Recognizing warning signs before crisis develops

• Healthy coping methods and wellness strategies

• Creating healthier communication and support systems

Why You Should Attend:
• Stress affects decision-making, health, relationships, and quality of life.

• Many people are suffering silently and do not know where to begin.

• Early awareness can help prevent emotional, physical, and professional breakdowns.
• Real conversations can help reduce isolation and stigma surrounding mental wellness.

• You may receive information that could help you, someone in your family, or someone at work.

This is not just another meeting.

This is a community conversation about real life pressures affecting real people every day.

Please share this information with:
• Family members

• Friends

• Coworkers

• Veterans

• Caregivers

• Church members

• Community

• Anyone carrying emotional or workplace pressure

Hosted by: Ms. Donna Martin
MC: Ms. Ann Cubit

Join Zoom Meeting
https://us02web.zoom.us/j/83452033238...
Meeting ID: 834 5203 3238

Passcode: 387354
Everyone is welcome.

05/26/2026

Put JESUS CHRIST First
In all we you do.

STRESS IN THE WORKPLACE
A Community Conversation About Mental Wellness, Pressure, and Balance

Join us for an important Zoom discussion featuring

Special Guest Speaker:

Mrs. Dawn Peebles, LPC, CEAP
Dedicated Wellstar Care Navigator

Ms. Dawn is a native of Augusta, Georgia, a graduate of A.R. Johnson, and holds a bachelor’s degree in psychology from Georgia Southern University.

She also attended graduate school at Auburn University. With over 20 years of counseling experience in the Augusta area, Dawn has developed deep community connections and currently serves as the LIPT Chair of Columbia County.

Topics may include:
• Workplace stress and burnout
• Mental fatigue and emotional overload
• Balancing work, family, and personal life
• Recognizing signs of stress before crisis develops
• Practical coping and wellness strategies

Hosted: Ms. Donna Martin
MC: Ms. Ann Cubit

Join Zoom Meeting:
https://us02web.zoom.us/j/83452033238?pwd=sqYUlNsuTux5cR6SBAUeHVibwyYFKf.1

Meeting ID: 834 5203 3238
Passcode: 387354

Everyone is welcome. Please share with coworkers, family, friends, veterans, caregivers, and community members who may benefit from this conversation.

Zoom is the leader in modern enterprise cloud communications.

05/16/2026

Put JESUS CHRIST First
in all you do

TEAM H.E.L.P. Invites You To
“Breaking The Silence”

Mental Health Awareness Month Zoom Session

Many people pray privately while silently battling fear, stress, trauma, anxiety, depression, grief, and emotional pain.

Mental health struggles affect people spiritually, emotionally, physically, financially, and relationally.

This Mental Health Awareness Month, TEAM H.E.L.P. is creating a safe space for honest discussion, education, healing, and encouragement.

Featured Guest Speaker
Gladys Johnson-Ramsey, MA, LPC
Licensed Professional Counselor
Verified by Psychology Today

Mrs. Johnson-Ramsey brings a unique combination of:
Clinical Counseling Experience
Christian Counseling
15 Years in Ministry
21 Years of Military Service (Army)
Trauma and PTSD Support Experience

Her counseling work includes helping survivors and families affected by:
Domestic Violence
R**e and Trauma
Human Trafficking
Depression and Anxiety
Family and Marital Conflict
Anger and Emotional Distress
Grief and Loss
Foster Care Challenges

This session is designed to remind people that seeking help is not weakness. Healing requires support, structure, honesty, accountability, and compassion.

Date: Tuesday, May 19, 2026, Time: 7:00 PM EST

Join Zoom Meeting
https://us06web.zoom.us/j/86397749487...

Meeting ID: 863 9774 9487
Passcode: 284854

Meeting Agenda
https://docs.zoom.us/.../d0eaef0c-b24f-4641-a29b...

Meeting Chat Link
https://us06web.zoom.us/launch/jc/86397749487
Join by Phone
+13126266799,,86397749487 #,,,,*284854 #
+16465588656,,86397749487 #,,,,*284854 #

For a Free 15-Minute Consultation Contact:
Gladys Johnson-Ramsey, MA, LPC (706) 708-9510

TEAM H.E.L.P.
Because healing begins when people stop suffering in silence.

Modernize workflows with Zoom's trusted collaboration tools: including video meetings, Zoom Chat, VoIP phone, webinars, whiteboard, contact center, and events.

05/01/2026

Put JESUS CHRIST First
In all you do.

We are looking for those who want better for themselves..

Frederick Farmer
(757) 560-5790
[email protected]
https://go.oncehub.com/FrederickFarmer

We’re Recruiting🔥

Not just agents.
L E A D E R S!!

Financial Pro Network is expanding and we’re looking for people who want to learn how to build wealth through:

• Life Insurance
• Business Ownership
• Real Estate
• Business Funding
• Cash Flow Strategies

This isn’t just sales.
It’s financial education and legacy building.

Comment “FPN”

04/25/2026

Put JESUS CHRIST First
In all we do.

Good Morning,
You do not have to like me to benefit from this information.

But ignoring how money actually works does not change the outcome—it only delays the consequences.

Most people operate inside a system they do not understand:
Earn → Spend → Tax → Repeat

Then they are surprised when retirement income is lower than expected, taxes increase, and control is limited.

That is not bad luck. That is predictable.

April is Financial Literacy Awareness Month. This final session is designed to address what most people avoid: April 28, 2026 at 7:00 PM EST

Turning Dollars Into Structured Outcomes
This session will show:
• Where money is lost through poor structure
• How taxation impacts retirement more than income
• Why waiting creates fewer options, not better ones
• What disciplined financial positioning actually looks like
No opinions. No motivation talk. Just structure and facts.

Join if you are serious about understanding the system you operate in:
https://us06web.zoom.us/j/88267205232
Meeting ID: 882 6720 5232
Passcode: 951610

RSVP by 3:00 PM day of event
[email protected] | (757) 560-5790

Financial Literacy Month is not about awareness. Awareness without action changes nothing.
This final session matters because:
• It connects all prior concepts into one working system
• It focuses on ex*****on, not information
• It addresses timing—because delayed decisions reduce available options
• It forces a shift from income thinking to control thinking

Most people will exit this month exactly how they entered it—unchanged.

The objective here is different:
Correct direction before time, taxes, and lack of structure limit your outcome.

Educational purposes only. No tax or legal advice is being provided.

Zoom is the leader in modern enterprise cloud communications.

04/21/2026

Put JESUS CHRIST First
in all we do.

Good Afternoon,

Today is the day! Join us for the third session of our 4-week financial literacy series.

Where Is Your Money Really Going — And Who Is Controlling It?

April 1st is known for jokes. Your financial life should not be one of them.

Most people believe they understand their finances because they earn income, pay bills, and contribute to retirement accounts. That assumption is often incorrect.

Money does not simply sit where you place it. It moves through systems — tax systems, fee structures, institutional controls, and policy changes — often without your full awareness.

What you do not see is what costs you:

Taxes applied at the wrong time

Fees compounding quietly over decades

Income streams that stop when work stops

Assets positioned for growth, but not control

Recent developments, including instability in pension structures and employer-backed retirement systems, reinforce a critical point: relying on external systems without understanding them creates long-term exposure.

This session addresses a direct question:

Are you in control of your money — or are you participating in a system you do not fully understand?

Join TEAM H.E.L.P. for Session 3 of the Financial Literacy Series:

Tuesday, April 21, 2026
7:00 PM EST

What will be covered:

How money actually flows through the tax system

Where control is lost in traditional financial structures

Why many retirement strategies fail under tax and timing pressure

How to structure income so it continues beyond your working years

How to reposition assets for control, protection, and legacy transfer

This is not a theory. It is a structured application.

Expectation:
If you attend, come prepared to evaluate your current structure and identify where control is being lost.

Join here:
https://us06web.zoom.us/j/88267205232?pwd=T9FupxwYmv66kdLPpSeE4dysY3xL3p.1

Meeting ID: 882 6720 5232
Passcode: 951610

RSVP before 3:00 PM of (Day of Event): to [email protected] or (757) 560-5790

If this message does not apply to you, it applies to someone you know. Share it accordingly.

Educational purposes only. No tax or legal advice is provided.

Zoom is the leader in modern enterprise cloud communications.

04/18/2026

Put JESUS CHRIST
First in all we do.

Where Is Your Money Really Going — And Who Is Controlling It?

Most people believe they understand their finances because they earn income, pay bills, and contribute to retirement accounts. That assumption is often incorrect.

Money does not simply sit where you place it. It moves through systems — tax systems, fee structures, institutional controls, and policy changes — often without your full awareness.

What you do not see is what costs you:
• Taxes applied at the wrong time
• Fees compounding quietly over decades
• Income streams that stop when work stops
• Assets positioned for growth, but not control
•
Recent developments, including instability in pension structures and employer-backed retirement systems, reinforce a critical point: relying on external systems without understanding them creates long-term exposure.

This session addresses a direct question:
Are you in control of your money — or are you participating in a system you do not fully understand?

Join TEAM H.E.L.P. for Session 3 of the Financial Literacy Series:
Tuesday, April 21, 2026, 7:00 PM EST

What will be covered:
• How money actually flows through the tax system
• Where control is lost in traditional financial structures
• Why many retirement strategies fail under tax and timing pressure
• How to structure income so it continues beyond your working years
• How to reposition assets for control, protection, and legacy transfer

This is not theory. It is structured application.

Expectation:
If you attend, come prepared to evaluate your current structure and identify where control is being lost.

Join here:
https://us06web.zoom.us/j/88267205232?pwd=T9FupxwYmv66kdLPpSeE4dysY3xL3p.1
Meeting ID: 882 6720 5232
Passcode: 951610
RSVP by 3:00 PM (Day of Event): at [email protected] or (757) 560-5790

If this message does not apply to you, it applies to someone you know. Share it accordingly.

Educational purposes only. No tax or legal advice provided.

Zoom is the leader in modern enterprise cloud communications.

04/14/2026

Put JESUS CHRIST
first in all we do.

Join us today at 7:00 PM EST.
Today is the day. Session 2 begins tonight.

Does your money bring you peace—or pressure?

April 1st is known for jokes. Your financial life should not be one of them.

Most people spend decades earning income but never develop a clear understanding of how money truly works—how it flows, how it is taxed, and how it is preserved.

That lack of understanding does not show up immediately. It shows up later through higher tax exposure, reduced retirement income, and decisions made under pressure instead of strategy.

There are already signals across major institutions that traditional retirement systems are under strain.

The question is not whether change is happening—it is whether you are prepared.

April is Financial Literacy Month. Use it with intention.

This session is designed to challenge one question:
Is your money working to create stability—or silently creating stress?

Join Team H.E.L.P. for Session 2 of a 4-week Financial Literacy Series:
April 7, 2026 at 7:00 PM EST
April 14, 2026 at 7:00 PM EST
April 21, 2026 at 7:00 PM EST
April 28, 2026 at 7:00 PM EST

What will be covered:
• How money actually flows through the tax system

• Why most retirement strategies fail under tax pressure

• How to structure income so it continues beyond your working years

• How to position assets for protection and legacy transfer
This is not theoretical discussion. It is structured application.

If you attend, the expectation is simple:
Stop operating on assumptions. Start making decisions based on understanding.

Join here:
Zoom Link
Meeting ID: 882 6720 5232
Passcode: 951610

RSVP by 3:00 PM today at:
[email protected] or (757) 560-5790

If this message does not apply to you, it applies to someone you know.

Share it accordingly.

Educational purposes only. No tax or legal advice provided.

04/13/2026

Tomorrow is the big day! Join us for the second session of our 4-week financial literacy series.

Put JESUS CHRIST First in all we do.

Does your money bring you peace—or pressure?

April 1st is known for jokes. Your financial life should not be one of them.

Most people spend decades earning income but never learn how money truly works. This lack of understanding shows up later through higher tax exposure, reduced retirement income, and decisions made under pressure instead of strategy.

Did you know? The Postal Service has announced it will stop funding its pension and retirement plan due to losses in profitability, putting millions of workers' retirement funds at risk. This serves as another reason to take control of your financial future before these changes impact you. Will your employer follow suit?

April is Financial Literacy Month. Use it to your advantage.

This session is designed to challenge one question:
Is your money working to create stability—or silently creating stress?

Join Team H.E.L.P. for Session 2 of a 4-week financial literacy series:

April 7, 2026 at 7:00 PM EST
April 14, 2026 at 7:00 PM EST
April 21, 2026 at 7:00 PM EST
April 28, 2026 at 7:00 PM EST

What will be covered:

How money actually flows through the tax system
Why most retirement strategies fail under tax pressure
How to structure income so it continues beyond your working years
How to position assets for protection and legacy transfer

This is not theoretical discussion. It is structured application.

If you attend, the expectation is simple:
Stop operating on assumptions. Start making decisions based on understanding.

Join here:
Zoom Link

Meeting ID: 882 6720 5232
Passcode: 951610

RSVP no later than 3:00 PM on the day of the event:
[email protected]

(757) 560-5790

If this message does not apply to you, it applies to someone you know. Share it accordingly.

Educational purposes only. No tax or legal advice provided.