Novae Money March 2018

Take a look at our newsletter this month!

INSPIRATION • EDUCATION • OPPORTUNITY NEW BEGINNINGS START YOUR PATH TO TRANSFORMATION WITH NOVAE

MARCH 2018

After attending a few conference calls and live training events, I understood how the opportunity to be an entrepreneur through this business model could change my life. So I began to focus on what I needed to do to become successful. After one year of pursuing the opportunity part time, I was able to earn over $60,000, allowing me to pay off all my debts and leave my job. After my second year, I earned over $100,000, and by year five, I had some months where I earned in excess of $100,000 in one month! Who knew this opportunity would allow me to become a millionaire in only my mid- 20s after where I started from?

Have you ever felt like your dreams were too big? Well, I want you to know that means you’re probably on the right track — and I’m living proof! When you grow up in a single-parent home and start life off living in the housing projects, the odds of you succeeding on a high level may be stacked against you. Not many people expect much of you. This was me. I don’t believe that people didn’t want me to succeed; it’s just that most people I came up with didn’t even believe success was possible. After all, they’d never seen anyone else do it! Here’s what I believe made me different: People doubting me and counting me out only drove me to figure out a way I could succeed on a higher level. Something bigger, something better; not just for me,

By 29 years old, I started my first direct sales company to help others experience the success that I had been blessed with. A few

“Novae is the feminine meaning of the Latin word ‘novus,’ which means new, new beginnings , or fresh start. This is exactly what we want to provide our customers and affiliates when they choose to enroll with one of our programs.”

years later I stepped down and sold my interest to take care of my mother who was sick with cancer. Unfortunately, by 2011, she started to succumb to this terrible disease. As she knew she was about to pass on, she requested that I return to college to finish my degree since no male in my immediate family ever had. Reluctantly I agreed, but I went on to graduate with an industrial engineering degree in 2013, earning dean’s list honors each semester, fulfilling my mother’s final wish. Upon completing my degree, I started a consultant and training company, working with direct sales companies across the nation, as well as doing several keynote speeches when I could.

but for my family and my community. And since no one in my family had ever done it, it was going to have to start somewhere, and that somewhere would be with me! Just because we haven’t experienced success doesn’t mean it’s impossible. I started my journey of entrepreneurship in the direct sales industry during college at the age of 20 years old. I had no money, a lot of debt, no experience in sales or marketing, no mentorship nor direction, but the one thing I did have was a desire to change my life. I had a full-time job, and my son was born just months before getting started, so needless to say, I did not have a lot of time. But again, I had desire.

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INSPIRATION • EDUCATION • OPPORTUNITY

Novae ensures that no one has to deal with this again!

Novae is the feminine meaning of the Latin word “novus,” which means new, new beginnings, or fresh start. This is exactly what we want to provide our customers and affiliates when they choose to enroll with one of our programs. We empower people to become the best version of themselves, while educating them on how to live a better life and what to do to initiate that process, and finally providing them with products, services, and additional income opportunities that help them implement the new education that they’ve gained. All of this leading to true life change! What I’ve learned is my mother, my grandparents, and those beyond in my family tree didn’t gain financial freedom — not because it wasn’t available, but because they never had an opportunity to gain it. No resources, no guidance, no real shot!

As I began to travel and inspire people across the country again, there was an issue I noticed. Many people would come to hear me speak, get excited and inspired, but after the event was over, they had no real plan to put in place, to go back and truly change their life. God gave me a vision of having a company that would INSPIRE people to have more out of life, also to EDUCATE people on how to go about it and to provide them some sort of OPPORTUNITY to make it happen. So in 2014, Novae was born. “We didn’t start Novae to make money; we started Novae to make history! ”

Despite having doubters when I started, and sometimes even doubting myself, I kept the faith that good things would happen. Going from trying to learn how to be successful as an affiliate in the direct sales industry 17 years ago, to leading Novae to become a multimillion dollar company in the direct sales industry within its first year, and then in 2016, me being ranked in the top-10 percent of 500-plus direct sales CEOs by businessfromhome.org!

With God, desire, opportunity, and hard work … ANYTHING IS POSSIBLE!

The fact is, we are just getting started. We intend to help millions across this country become more financially literate, have great credit scores, live debt-free, become successful entrepreneurs by obtaining

IT’S NOT A MATTER OF HOW , BUT WHEN

TOP 5 AFFILIATE ENROLLERS JANUARY 2018

TOP 5 CUSTOMER ENROLLERS JANUARY 2018

1. LaQuonia Henderson (Texas)

1. Toney Bowens (Georgia)

2. Jeannette Munarriz (Georgia)

2. Renea Reed (Mississippi)

3. Jamal Flono (Georgia)

3. Shalonda Lee (Texas)

4. KeAmber Vaughn (Missouri)

4. Toney Bowens (Georgia)

5. Samone Simmons (Kentucky)

5. Sophia Lightbourne (Florida)

Toney Bowens January 2018 No. 1 Producer

LaQuonia Henderson January 2018 No.1 Producer

The beauty of Novae is that the opportunity is available to anyone, and anyone can be successful. The only limitations are the ones you put on yourself. These dedicated top producers worked tirelessly to make a positive impact on their own lives and on the lives of others. They applied themselves to training, used the models we provided, and

turned their lives into success stories. We don’t make being a top producer a secret. As a matter of fact, we want you to know everything it takes to grow within Novae. So, the question isn’t a matter of how will you be on the list, but rather, when?

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INSPIRATION • EDUCATION • OPPORTUNITY

HOW THE DEBT SNOWBALL WORKS CREATING MOMENTUM FOR YOUR FINANCIAL FUTURE The true path to financial freedom is paved with debt elimination. Building wealth with debt is like trying to run with a parachute. You’ll always be held back, slowed down, and occasionally knocked off your feet. That’s why we recommend starting with a tactic called the debt snowball.

the funding they need, and earn an income that not only will help them live the lifestyle they desire, but to break the financial generational curses that have been with our families for years.

We didn’t start Novae to make money; we started Novae to make history! Join us!

Novae President and CEO

Just as a snowball rolling downhill gains momentum and becomes bigger, so too can you gain momentum as you pay off debt. Here’s how it works: The debt snowball starts with the lowest monthly payment. By attacking your smallest debt first, you’re able to eventually eliminate that debt and subsequent monthly payments. The debt snowball grows when you add that monthly payment to your debt payment plan (instead of spending it). When you reinvest in your payment plan, more money goes toward paying off your debts. Once your second debt is eliminated, reinvest that money into the payment plan again. Eventually, that snowball turns into an avalanche. So, let’s say your smallest debt has a $20 monthly payment associated with it and the second smallest has a $50 monthly payment. Once that first debt is paid off, you can then take that $20 and add it to the $50 payment.

You’re now paying $70 to your second debt! Once that second debt is paid off, you can then take that $70 and roll it into your third largest debt.

“... it’s about telling your money where to go rather than letting your money tell you. ”

The two keys to making this work

are operating with a budget and committing to a lifestyle change. Paying off debt requires sacrifices, and that means trimming the fat from your budget. This doesn’t mean life ceases to exist and you turn into a hermit; instead, it’s about telling your money where to go rather than letting your money tell you.

Rules: Use numbers 1-9 in each row of the board. A number may not appear twice in the same row or in the same column or in any of the nine 3x3 subregions.

If you want to learn more about how a debt snowball or other financial strategies can affect your financial goals, contact us today. We are committed to helping you take control of your financial future, and that starts with eliminating debt.

SOLUTION

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INSPIRATION • EDUCATION • OPPORTUNITY

Novae University provides influential events that will change how you approach life. With a variety of topics covered in events across the country, Novae members have the opportunity to be empowered and transformed. Not only will you be learning, but by referring others to the events, you’ll also be earning! This is definitely a win-win situation you don’t want to miss. Why should you attend these events? Novae University’s founder, Mr. Reco McDaniel, shares the first 3 of 10 reasons you want to attend every Novae University event you can. 1. Confidence . Novae University events aim to foster a self-assuredness 10 REASONS WHY YOU SHOULD ATTEND NOVAE UNIVERSITY A 3 -PART SER I ES

3. Energy We all know energy is needed for life. Without the sun, no life could survive here on Earth. Without eating healthy foods and resting, we wouldn’t have the vigor to get anything done. Being stuck in the same discouraging mindset while trudging through life drains you significantly. Attending these events gives you back that mental energy. They provide the emotional vitality you need to push yourself further. Stay tuned next month for three more compelling reasons why you should attend Novae University. In the meantime, if you’re interested in attending events of your own, check out the ones being held just around the corner. Start transforming your life by investing in your financial education and your personal development today.

begin to change, which subsequently affects the rest of your life! 2. Savings . By attending events, you’ll save on pretty much everything you need to improve and build your affiliate business. You’ll also receive great deals on products. But most importantly, you are saving time — the time you would have lost if you chose not to invest in yourself. Many people think self- development is expensive. What’s really expensive is staying stagnant and never investing in your personal growth.

in their participants that is essential for success. This newfound confidence grows not only because you’ll know what to do, but because your perception of your self-worth will increase. When you invest in yourself and in your endeavors, you begin to completely adjust the way you think. This gives you the momentum to start a life-changing process. When you change the way you think, you begin feel different, too. Then your actions

Champion Speakers Boot Camp Date: March 23–25, 2018 Location: New York, NY

Blueprint for Success Seminar Date: April 14, 2018 Location: New Orleans, LA

You might think death is the No. 1 fear in our country, right? Wrong. The fear of death ranks second, behind the most horrifying thing many Americans could think of: public speaking. This workshop not only gives participants more confidence, helping to ease their fears, but it enhances their existing skills, transforming even the most bumbling public speaker into a polished and skilled orator. Participants also have an opportunity to receive onstage critiques and feedback from expert public speakers. In addition, attendees get to compete for the title of champion speaker. Virtually all participants will see significant improvement from the first day to the last. This workshop is also a prerequisite for any Novae affiliate who aspires to be a Novae University executive trainer. Get plenty of rest because this program is definitely a boot camp! This will be one of the most challenging and rewarding experiences of your life!

This all-day seminar covers the basics everyone needs to know to become successful in their personal life, career, and business. Expect to receive great information on developing a better attitude, realizing and displaying passion, enhancing your belief system, effectively setting goals, and perfecting time-management techniques. Advice on effectively communicating with others is also provided. This class offers a brief explanation of the different personality types of people we encounter and how to interact with each of them. Executive trainers go through scripts and even incorporate live role-playing when time permits. Our industry experts will provide valuable information to enhance your business and your life.

Regular Registration: $97 VIP Member Registration: FREE

Regular Registration: $997 VIP Member Registration: $297

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INSPIRATION • EDUCATION • OPPORTUNITY

CORPORATE PARTNER

GET STARTED WITH Millions of Americans are in terrible financial trouble. It’s not because they don’t earn enough money, but because they are not properly educated. They haven’t been given the proper tools to meet their financial goals. Novae educates individuals about their finances and provides services to enhance their knowledge and improve their situation. This product comes with an online budgeting tool, software for debt elimination, and a wealth guide, which teaches the fundamentals of a healthy financial life. Our most popular component is the complimentary credit education. Novae Money allows customers to grasp their spending, start reducing debt, and increase their credit score.

NOVAE MONEY LOANS Novae provides an avenue through several financial partners and institutions for consumers to potentially qualify for loan programs, including personal loans, auto refinance, student loan refinancing, and many more. 1 OUT OF 4 AMERICANS TODAY HAS A CREDIT SCORE IN THE 500’ S - DAVE RAMSEY NOVAE MONEY FINANCIAL WELLNESS PROGRAM Most people don’t fail financially because of the lack of desire to succeed. They fail because of their lack of a plan. With Novae Money’s Financial Wellness Program, you will not only have access to critical planning information, but you will also have an awesome coach to walk you through the process. This service provides a step-by-step process that will help you create a financial plan, which will accelerate your debt elimination, increase your savings plans, and decrease the time it takes for you to reach financial freedom. We also offer a Monthly Financial Planner, which we recommend as a companion to this program.

NOVAE MONEY CREDIT BUILDER Novae believes it’s crucial to be educated about credit. Novae Money Credit Builder helps you grow your credit score by reporting your debt as a loan being repaid, not as a secured credit card. This boosts your credit rating in a shorter amount of time. NOVAE MONEY CAR DEALERSHIP PROGRAM If you are a car dealership, Novae has a program that will provide tremendous benefits to your sales force and your customers. Sometimes customers get financed for an auto loan with horrible interest rates. What if you could offer a solution to help educate them on credit and assist in potentially raising their credit score within months of purchasing their car? Instead of their car purchase driving their credit score down, it could actually help them. That’s exactly what we offer with Novae Money’s Fix Your Credit While You Drive program.

NOVAE MONEY BUSINESS CREDIT & BUSINESS FUNDING Many entrepreneurs have great ideas, a great work ethic, and great optimism about the future. But what they have in character they often lack in funding. Novae has partnered with several financial institutions to provide funding programs and to help build business credit. It even includes our personal credit Novae Money service for the business owner.

FRANCHISE PROGRAM OPPORTUNITY

If you want to design your own pricing structure to fit within the financial services model you already have, Novae can help service your customers behind the scenes with our White Label Franchising Program. We handle your website, back-end infrastructure, customer database, and mailing of any customer correspondence to the credit bureaus. All you need to do is start enrolling customers at your price packages — and most importantly, get paid.

NOVAE EMPOWERS YOU TO TRANSFORM YOUR LIFE

33% (1/3) OF AMERICANS REPORT THAT THEY HAVE NO RETIREMENT SAVINGS TIME.COM 3/14/2016

JOIN THE AFFILIATE PROGRAM TODAY

$499 startup + $50 per month

$50 startup + $50 per month $249 startup + $50 per month

We’ve Provided Three Levels of Affiliate Programs So That Everyone Can Reap the Benefit of Novae.

Level 3 - All of the perks of Level 1 & 2 PLUS you get paid to offer others: Novae Money Loans Novae Money Business Funding Car Dealership Program Financial Wellness Program Franchise Program Opportunity Level 2 - All the perks of Level 1 PLUS: Credit education Budgeting tool Debt elimination tool

Level 1: • Affiliate program • Member discounts • Financial education

• Earn up to $100 per sale • Residual income potential • Marketing website And you get paid to offer others the following: • Novae Money Credit Education • Novae Money Credit Builder

ARE YOU INTERESTED BUT STILL UNSURE? FOR $199 AND THEN ONLY $29 PER MONTH, ACCESS EVERY BENEFIT NOVAE MONEY OFFERS AS A CUSTOMER!

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