Financial Tip: Discusses private nonprofit lending organization that focuses on underserved and rural communities.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Craig Calafati. Executive Vice President and Director of Lending for Arkansas Capital Corporation, a private nonprofit lending organization. Key Highlights: 🏢 About Arkansas Capital Corporation Founded in 1957 by Governor Rockefeller to foster entrepreneurship and industrial growth in Arkansas. Focuses on underserved and rural communities, especially communities of color. Recently received an SPLC (Small Business Lending Company) license from the SBA, allowing them to lend nationwide. 💼 Services Offered Small Business Lending: Now expanding beyond Arkansas to surrounding SEC states. EB-5 Program: For immigrants investing in U.S. job-creating projects. New Market Tax Credits: For large-scale developments. Governor’s Cup: A Shark Tank-style pitch competition for college students. 💡 Business Advice & Lending Process Business Plan: Essential for loan approval. It should detail operations, challenges, and financial projections. Online Application: Full application available at capital.com, not just an inquiry form. Required Documents: Business plan, tax returns, bank statements, cost documents, resume, and more. Mentorship: They monitor applications and proactively reach out to assist applicants. 💳 Lines of Credit Recommended for small businesses to handle unexpected expenses. Especially critical for businesses with payroll or upfront costs like construction. 🏦 SBA Lending Clarification SBA does not lend money directly. SBA provides guarantees to approved lenders like Arkansas Capital, reducing lender risk. Programs discussed: 7(a) and 504, not PPP or disaster relief loans. 🧠 Key Takeaways Know exactly what you need and why before applying for a loan. A well-thought-out business plan is your roadmap and proof of preparedness. SBA-backed loans are not free money—they must be repaid. #SHMS #STRAW #BEST Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
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Health Tip: Educates communities about proper medication use, adherence, and preventing medication-related problems.
Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Dr. Yolanda D. McElroy (aka “Dr. Yo-Yo”). 🎯 Purpose of the Interview To spotlight Dr. McElroy’s work as a pharmacist, educator, and author of the children’s book It’s Not Candy, which promotes medication safety. The interview also highlights her consulting company, MediManage, and her mission to improve health outcomes through education and community engagement. 🧠 Key Takeaways 1. Professional Background Dr. McElroy is a registered pharmacist in Louisiana with over 30 years of experience in retail and hospital settings. She began her academic journey at Grambling State University (HBCU) studying chemistry before transferring to pharmacy school. 2. MediManage Consulting Founded to promote medication safety and improve health outcomes. Focuses on educating communities about proper medication use, adherence, and preventing medication-related problems. 3. Medication Safety Advocacy Medications are a leading cause of accidental poisoning deaths in children. Parents often leave medications and chemicals within reach of children. Emphasizes the importance of locking up medications and educating both adults and children. 4. Target Age Groups Focuses on children ages 3–10 to instill early awareness of medication safety. Also highlights teens as a vulnerable group due to increased drug experimentation and access to medications at home. Notes the importance of educating parents and senior citizens as well. 5. Book: It’s Not Candy Inspired by her ministry work with youth in mental health hospitals. Based on real-life experiences and includes a song to make learning fun and memorable. Demonstrates how medications can resemble candy, making it difficult for children (and adults) to distinguish. Aims to equip families with knowledge to prevent accidental overdoses and misuse. 6. Challenges in Pharmacy Profession Pharmacists face heavy workloads, including vaccinations, insurance calls, and patient counseling. Many are overworked and under-supported, leading to burnout and even strike considerations. 7. Book Creation Journey Took years to develop after encouragement from her pastor. Extensive research into publishing options and budgeting. Partnered with a publishing company and built a team including an editor and illustrator. Advises aspiring authors to be patient, budget generously, and seek support and education. 💬 Notable Quotes “Medications are a leading cause of accidental poisoning deaths in children.” “If you’re not sure, ask a professional. Ask your pharmacist.” “We want to get them early and instill that training so they can make good decisions.” “Many medication-related injuries are preventable.” “If there’s no room at the table, bring a folding chair.” “Our children are important and their lives are valuable.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
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Brand Building: She challenges stereotypes about Africa’s capabilities and resources.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Valerie Obaze. Founder of R&R Skincare. 🎯 Purpose of the Interview The interview aims to: Highlight Valerie Obaze’s entrepreneurial journey in founding R&R Skincare. Challenge stereotypes about Africa’s capabilities and resources. Promote African-made beauty products and their global relevance. Inspire others, especially women and diaspora Africans, to invest in and build businesses rooted in African heritage. 🧠 Key Takeaways 1. Breaking African Stereotypes Valerie and Rushion discuss how Africa is often misrepresented in Western media. Valerie emphasizes that ignorance is not always malicious, but it’s time to reframe the narrative through firsthand experience and platforms like social media. “Ignorance doesn’t always have to be an insult. If you don’t know, you just don’t know better.” – Valerie Obaze 2. The Birth of R&R Skincare Inspired by the birth of her daughter, Valerie sought natural skincare solutions. She discovered liquid shea oil, which became her first product. The brand name “R&R” stands for Rebecca Rose (her daughter’s name) and also Rest & Relaxation. “I wanted to create a product that makes using these raw materials from the continent enjoyable.” – Valerie Obaze 3. From Garage to Global Valerie started in her mother-in-law’s garage, turning it into a compliant mini factory. She had no formal business plan, relying on her PR and branding background. The brand now has three stores: one in Lagos and two in Accra, including one at the airport. 4. Authenticity and African Pride Valerie insists on maintaining the African identity of her brand. She uses locally sourced ingredients and ensures cruelty-free testing. The brand supports women in the supply chain, creating economic opportunities. “We don’t intend to hide that in any way. We just wanted to make raw materials sexy.” – Valerie Obaze 5. Expansion to the U.S. Valerie is expanding R&R Skincare to the U.S., leveraging social media, activations, and PR expertise. Products are manufactured in Africa, but distributed from U.S. warehouses to ensure timely delivery. “We found our tribe over here… and this was the right time to come back to America.” – Valerie Obaze 🧴 Product Highlights Shea Oil – First product, moisturizing and healing. Body Butter – Whipped, light, and rich in essential oils. Liquid Black Soap – Modern take on traditional African cleansing. Hand Cream – Convenient and portable for dry conditions. 🌍 Big Picture Vision Valerie’s goal is to grow an African brand globally, showcasing the richness of African resources and empowering local economies. “This is just a small representative of the entire continent and what it is capable of.” – Valerie Obaze #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
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FULL SHOW: The Me & The Boys Story, Strawberry Letter: The Security Guard Knows My Husband - 11.13.25
The Steve Harvey Morning Show for Thursday, November 13th, 2025: Steve Harvey's Morning Inspiration | Show Open | Run That Prank Back - "Your Doors" | Ask The CLO | Entertainment News | Steve Harvey's Voicemail | More Steve Harvey's Voicemail | Nephew Tommy's Prank - "Shoplifter" | Strawberry Letter - "The Security Guard Knows My Husband" Parts 1-2 | Junior's Sports Talk | Social Media Advice | Couples Who Have Each Other's Backs | Would You Rather | Show Close - The "Me & The Boys Story"Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
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Overcoming the Odds: Worked in a brothel, survived incarceration, and now creates platforms that empower others.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Crystal Hughes. 🎯 Purpose of the Interview To spotlight Crystal Hughes’ entrepreneurial journey, her resilience through adversity, and her innovative contributions to the beauty industry and nonprofit work. The interview aims to inspire listeners by showing how personal challenges can fuel impactful ventures. 🗝️ Key Takeaways 1. Early Entrepreneurship & Adversity At age 21, Crystal opened her first wig and natural hair salon in a flea market. Shortly after, she was incarcerated for bank fraud—a decision she made out of desperation to fund her business dreams. She wrote a book titled Money and My Daughter while in prison, inspired by her experiences and authors like Wahida Clark. 2. Wig Capital Foundation Founded to donate medical wigs to cancer patients and others in need. Crystal collected and donated over 5,000 wigs in the first year. Partnered with beauty supply stores and hospitals (e.g., Howard University Hospital, MedStar). Schools helped refurbish wigs in exchange for community service hours. 3. Mobile Glam Squad A tech-driven initiative likened to “Uber for beauty services.” Connects licensed beauty professionals with clients, especially those who are immobile or in hospitals. Aims to provide group health insurance for stylists and expand to college campuses. 4. Personal Healing & Resilience Survived a serious car accident resulting in chronic pain. Opted out of surgery and explored “sexual healing” as a form of pain management. Worked in a Nevada brothel during recovery, combining physical therapy with alternative healing. 5. Land Development in Utah, Alabama Inherited one acre of land from her grandparents. Plans to build an adult living facility and raise funds through seasonal events like scavenger hunts. Noted signs of economic growth in the area (new gas station, dialysis center, Dollar General). 6. Use of Technology Embraced tech tools like ChatGPT for legal and business support. Shares tech resources with cosmetology students during marketing tours. 💬 Notable Quotes “I always wanted to have my own beauty supply store… I figured out a way to do it.” “I wasn’t the brains in the operation… but I knew I had to stay confident.” “Anything over $1,000, they had to kind of question it.” “I wrote my book in prison… it’s fiction based on true events.” “I didn’t want to lose myself… I had to figure out a way.” “You are a genius.” — a compliment she received from a mentor after promoting her nonprofit. “You can’t stop yourself sometimes… you don’t let the system stop you.” — Rushion McDonald on Crystal’s entrepreneurial spirit. 📌 Final Thoughts Crystal Hughes’ story is one of resilience, reinvention, and resourcefulness. From incarceration to innovation, she has turned personal pain into purpose, creating platforms that empower others—especially women facing medical and financial challenges. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
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