The Steve Harvey Morning Show

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mowbray and Cherina Rowand. 🎙️ Interview Summary: Mowbray & Cherina Rowand Purpose of the Interview To showcase the entrepreneurial journey of Mowbray and Cherina Rowand, co-founders of The Rowand Group and One Stop Taxes, the largest Black-owned virtual tax preparation service in America. The interview highlights their business evolution, scaling strategies, community impact, and the creation of the Black Tax Festival. 🧭 Interview Outline 1. Background & Origins Both from Memphis, Tennessee; met in high school. Started tax preparation in 2010 as a mom-and-pop operation. Transitioned from brick-and-mortar to virtual model by 2015. 2. Business Philosophy Entrepreneurship is defined as service to others. Mowbray is the visionary; Cherina is the implementer. Emphasis on scaling with structure: legal, accounting, HR. 3. One Stop Taxes Grew from a single office to over 1,000 virtual franchise locations. Offers free training, no startup costs, and shared revenue model. Built a platform allowing clients to submit documents and sign remotely. 4. Virtual Tax Model Designed for convenience and accessibility. Clients and tax preparers never need to meet in person. Platform includes document upload, e-signature, and cloud storage. 5. Franchise & Training Learning Management System (LMS) for onboarding. Training includes tax prep, customer acquisition, and platform use. Strategic partnerships with local businesses (e.g., dealerships, daycares). 6. Black Tax Festival Combines networking, education, and recognition. Includes IRS updates, business workshops, and the Titan Awards. Open to all entrepreneurs, not just tax professionals. 7. Expansion & Diversification Own restaurants in Memphis and the Dominican Republic. Franchised Fat Tuesday and Esco Restaurant (did \$1M in first 6 weeks). Own a yacht for rental experiences in the DR. Plans to develop a restaurant strip near FedExForum in Memphis. 💡 Key Takeaways Vision + Execution = Growth: Their complementary roles fuel business success. Virtual is Scalable: Transitioning to virtual allowed exponential growth. Community Impact Matters: Black Tax Festival fosters education and recognition. Diversification is Strategic: Restaurants and real estate expand their brand. Mentorship & Learning: They study successful entrepreneurs like Tilman Fertitta. Faith & Family Drive: Their journey is rooted in love, planning, and purpose. 🗣️ Notable Quotes “Entrepreneurship means being a servant to other people.” “The same thing that works at \$1M doesn’t work at \$15M.” “We had to fire ourselves from some jobs and hire professionals.” “We built a platform where you can do taxes from your couch.” “We started before social media—we know belly-to-belly marketing.” “Recognition matters—people don’t get it at home or work.” “We’re trying to bridge the wealth gap through proper paperwork.” “We bought a yacht in the Dominican Republic to rent for experiences.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Jocelyn Pearson. Purpose of the Interview The interview on Money Making Conversations Masterclass with Rushion McDonald and Jocelyn Pearson aimed to: Share Jocelyn’s journey of graduating debt-free by securing $126,350 in scholarships. Educate families on how to avoid student loan debt through her proven system, The Scholarship System. Dispel myths about scholarships and provide actionable steps for parents and students. Key Takeaways Scholarship System Approach Jocelyn developed a six-step process to simplify scholarship applications and avoid overwhelm. Focus on breaking the process into small, manageable steps rather than a vague “go get money” directive. Common Myths Debunked Too early or too late to apply: Start by junior year; it’s never too late—even college seniors can apply. Only perfect students or low-income families qualify: Many scholarships don’t require high GPA or athletic ability. All good scholarships are gone: Smaller, local scholarships ($500–$5,000) add up over time. It takes too much time: With a system and reusable materials, effort decreases each year. Avoiding Scholarship Scams Beware of “easy,” “enter to win,” or sweepstakes-style scholarships—they often sell personal data. Real scholarships require effort and personalization. Role of Parents Parents should help with planning and identifying legitimate scholarships but not complete applications for students. Committees can detect when parents write essays. AI in Scholarship Applications Jocelyn warns against copy-pasting AI-generated essays. Her platform introduced TESS, an AI assistant for ethical guidance and support. Financial Aid Basics Submit FAFSA even if you think you won’t qualify; some colleges and states require it. Combine all sources—government aid, institutional aid, and private scholarships. For Current College Students Check with financial aid offices, academic departments, and organizations for scholarships available after freshman year. Entrepreneurial Journey Jocelyn turned her passion into a business by starting with a book, building an email list, and launching webinars. She emphasizes persistence and ignoring naysayers. Notable Quotes “I had to accumulate my way to getting college paid for—the mere mortals’ way to going to college without tons of debt.” “Most families want scholarships, but they get stuck in the overwhelm.” “There’s no big red easy button—but with clear steps, it feels less daunting.” “We’re saying no to the broken system… It takes, on average, 21 years to pay off student loans.” “With great power comes great responsibility—AI can help, but only if used ethically.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dennis Earl (Chairman & CEO) and Mike Pyles (Vice President) of The Haltere Group. They are a Black-owned real estate syndication and investment firm. Hosted by Rashad McDonald, the conversation centers around financial empowerment, real estate investment, and community uplift, especially within the Black community. 🏢 About The Haltere Group Mission: To democratize access to high-value real estate investments, traditionally reserved for wealthy or institutional investors. Focus: Multifamily residential properties (not commercial like malls or strip centers). Structure: A syndication model where individuals pool funds to invest in large-scale real estate. Minimum Investment: $10,000, making it more accessible than typical $50K–$100K thresholds. 💡 Key Themes & Insights Education First: The group emphasizes financial literacy and wealth-building education, especially for Black and Brown communities. Community Wealth: They aim to shift the narrative from consumerism (clothes, cars) to asset ownership and generational wealth. Track Record: 135 investors (133 Black) Over $15 million raised $40+ million in assets under management Returns: 8% annual cash return Equity appreciation from property value increases Tax benefits via K-1 forms 🎧 Podcast: “How with Haltere” Meaning: “HOW” = Helping Others Win Purpose: To educate listeners on entrepreneurship, investing, and financial literacy. Availability: YouTube, Spotify, Apple Podcasts, Amazon, etc. 🔁 Personal Journeys Dennis Earl: Left a successful 25-year real estate career to build wealth for his own community. Mike Pyles: Transitioned from residential real estate and a Black-owned alcohol delivery startup to join Haltere, driven by a passion for community upliftment. 📣 Call to Action The episode ends with a challenge to Black fraternities and organizations (Divine Nine) to invest in Black-owned ventures like Haltere Group to grow collective wealth. #STRAW #BEST #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Germaine Bolds-Leftridge. 💼 Business Overview I Know Skincare: A skincare brand created to empower women—especially Black women—by embracing their real age and promoting self-care. Mission: To challenge the anti-aging narrative and replace it with a pro-aging, affirming message: “#RealAge.” Inspiration: Germaine’s late mother, whose glowing skin and wisdom about self-care sparked the brand’s creation. 💡 Key Insights Anti-Aging vs. Pro-Aging: Germaine rejects the term “anti-aging,” advocating instead for embracing the natural aging process as a privilege and a journey. Target Market: Primarily Black women over 40, though the products are inclusive and used by a diverse customer base. Marketing Strategy: Focused and intentional—Germaine emphasizes the importance of knowing your audience and not trying to market to everyone. Cultural Relevance: The brand is rooted in cultural pride, self-affirmation, and economic empowerment, drawing parallels to movements like Black Wall Street. 🧠 Business Wisdom “The win happens in the fourth quarter.” “If you don’t like what you see, do something about it.” “You can’t sell to everyone. Know your audience and serve them well.” 📦 Bonus Highlights Dragonfly Symbolism: Represents transformation and resilience—core themes of the brand. Clinical Testing: Products are tested specifically on Black women to ensure effectiveness for their unique skincare needs. Legacy Building: Germaine’s goal is to create generational wealth and a lasting legacy for her family and community. #AMI #STRAW #BEST #SHMSSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Melanye Maclin. Purpose of the Interview The discussion aimed to educate the audience about the health risks associated with hair care chemicals—including relaxers, dyes, and synthetic hair—and to advocate for safer practices. It also highlighted Dr. Maclin’s pioneering work in hair and skin supplements and her ongoing mission to raise awareness about these issues. Key Takeaways FDA Ban on Hair Chemicals In 2023, the FDA considered banning certain chemicals in hair products due to health risks, but no ban has been implemented yet. These chemicals are linked to breast cancer, uterine cancer, ovarian cancer, and hormone disruption. High-Risk Chemicals Identified Hair Relaxers: Sodium, calcium, guanine, and lithium hydroxide. Hair Dyes: Para-phenylenediamine (especially in permanent dyes). Synthetic Hair: Contains benzene, posing risks of lung cancer and leukemia. Impact on African-American Women African-American women face a 45% higher risk of certain cancers due to combined use of relaxers and dyes. Cultural and aesthetic pressures contribute to continued use despite health risks. Children at Risk Applying relaxers to young girls can cause early puberty, uterine fibroids, infertility, and increased cancer risk. Chemicals penetrate the scalp, enter the bloodstream, and disrupt hormones. Industry Resistance Pushback from salons and manufacturers due to financial interests. Comparison to tobacco and alcohol industries—profit prioritized over health. Solutions & Advice Avoid chemical treatments when possible. If used, protect the entire scalp with petroleum jelly to reduce absorption. Space out relaxer applications (every 8–10 weeks, max 10 minutes for children). Dr. Maclin’s Contributions Launched Bella Nutri supplements (2004 for women, 2008 for men). Advocates internal nutrition for hair and skin health. Website: drmacklin.com and bellabeauproducts.com. Notable Quotes On FDA inaction:“Still to this day, that ban has not occurred… We’re continuously having women going to the next generation of life as a result—next generation cancers.” On cultural pressures:“We’re so into wanting to have a certain look versus wanting to be healthy.” On children’s exposure:“We’ve got to keep chemicals off of little girls’ hair… It’s causing hormone disruption, early puberty, infertility, and increased cancer risk.” On industry resistance:“People care about the green-eyed devil called money… Look at the tobacco industry.” On her mission:“I feel like I’m caring more about someone’s health than they’re caring about their own.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.