#seannasmallwood

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August 24, 2018

FOR IMMEDIATE RELEASE

Southern Maryland Local Author Writes to Empower Survivors of Domestic Violence – (a $55 Billion per year price-tag), with a Change in Perspective

There is a social and legal injustice surrounding the topic of domestic violence all over the U.S. and throughout the world. According to a research study by Case Western Reserve University, exposure to domestic violence carries a hefty $55 billion annual price tag for the federal government, (http://thedaily.case.edu/exposure-domestic-violence-cost-u-s-government-55-billion-year/ ). Yet, in spite of continual efforts by local community services and programs involved in the movement to spread awareness to prevent domestic violence in their communities, destructive and neglectful practices persist inside the legal, social, commercial, and public health local infrastructures. Turning the blind-eye is no longer serving US Citizens now that we’ve monetized the cost.

Looking into the facts of the local domestic violence case of James Walter Harley, Jr., of whom was convicted this week on murder charges for killing his wife and mother of their two children, Lusby’s beloved Tanya Louise Harley. According to the news released on May 2, 2018, the States Attorney’s office investigation concluded there were three protective orders against the assailant and the facts reported clearly demonstrate a pattern of abuse.

Communities become destructive and neglectful when their systems and programs fail to empower and protect victims of domestic violence, to include children that may be involved. There is a magnitude of information available on the effects of witnessing domestic violence in the child’s environment that are attributed to violence and bullying in schools – the pattern is a cycle and repeats, fosters growth for the future of the child if neglected or ignored. Not all children that have survived domestic violence become bullies or assailants – but all bullies and assailants were abused or neglected as children.

The cycle repeats for those little girls whose parents may have also been on a cycle from their parent’s cycle, and so on the cycle continues, propagating through generations of abuse and neglect. To gain a complete understanding of “abuse” we must change our cognitive thinking as identifying with the term “abuse” as being confined to physical assault – as the current, outdated law prescribes. For example, the National Institute of Justice defines Intimate Partner Violence, historically called “domestic violence” as being “physical, sexual, or psychological harm…”. The problem arises inside the destructive and neglectful local criminal justice system when State and local police departments must use outdated criminal charging documents, systems, and protocol for charging perpetrators. The police officer responding to a scene of domestic violence would likely be ridiculed or even disciplined by their peers and supervisors should they issue a charge against a person for “mental abuse” – not because they don’t agree with the victim reporting abuse, but because the charge wouldn’t hold up in court.

To further the issue, District Court Commissioners are not provided with the proper authority to read between the lines on the topic of abuse – where a victim may apply for charges or a protective order on the basis of a threat or physical harm (where assault/battery would be the charge), the charging documents are not set up for application for charges of “psychological abuse.” This also applies for the application of charges by police departments. Is there an annotated code or law outlined for such charge? Absolutely not – and there absolutely needs to be.

Seanna Smallwood, former life-long resident of Charles County, was on the cycle of abuse where she admits to repetitively attracting persons that mistreated her into her life. After a brutal marriage to a former Calvert county resident, Seanna recognized the pattern, gained the courage to leave her abuser, filed for divorce, and filed for charges against her husband in a courageous effort to seek justice for herself and her children. Abuse is defined as “power and control” over another person. Typically, a victim is reluctant to leave their abuser because of what they will lose. Coming forth in spite of what a survivor risks losing in the process, is courageous – as they risk everything relative to reputation, money, transportation, safety (as further intensified abuse is statistically the outcome), and social abuse that could never be monetized. A cycle can be explained as a repetitive pattern due to cognitive dissonance associated with fear of the unknown, the different, the familiar experiences.

Here’s where the system fails survivors of domestic violence. After many occurrences of local judicial system failure to recognize the patterns of perpetrators and hold them accountable – the system instead recognizes the victim pattern of being victimized and uses it against them by the defense. The current due process of law in this fashion, supports violent and non-violent domestic violence abusers by returning not-guilty verdicts based on reasonable doubt. In Seanna’s case with her former husband, the fact that he was a convicted felon was never mentioned by State prosecution – however, as a witness for the State, the pattern of being the courageous survivor that brings forth awareness through applicable charges was used instead. I feel it is unswervingly necessary to also point out that in instances where the legal system fails to recognize the pattern of the perpetrator over state lines, the perpetrator escapes federal charges.

During an expensive and exhausting period of delayed protective order hearings, appeals, divorce hearings, etc., the abuse intensified with the use of coercive power and control by her husband using slanderous smear campaigns to economically, socially, and financially abuse her further. Exhausted and emotionally and financially drained, Seanna packed up her family and relocated to a random location one thousand miles away from her hometown of Southern Maryland – a thirty-five-year resident. Once she was able to regain a little stability, get her children adjusted and begin the healing process, she awakened to the fact that she was on a cycle. Seanna began the healing process and expanded her healing efforts to include empathy and compassion for her perpetrators and also gained a passion for healing others. In doing so, Seanna wrote a book (her 2nd self-published book) entitled, “Letters to the Soul: The Guide to Spiritual Awakening. Her book teaches how to recognize the cycles and patterns. She offers an alternative perception as to “why this happened to me” – allowing the transformation from victim to warrior in a single sentence and provides a step-by-step process to healing and becoming empowered to step into your own journey.

Since publishing the book (available on amazon), Seanna has entrenched herself in learning and getting professional certifications for advocating against domestic violence and passionately driven to effectuate change in social and legal systems across the US. Seanna is an Author, and Certified Public Speaker, Trainer and Empowerment Life Coach with The John Maxwell Team. She also sells real estate in Maryland and is a licensed mortgage loan officer for First Washington Mortgage (NMLS 1252825) in Maryland and Florida. To help Seanna in her passionate efforts to bring awareness to the DV movement for October’s DV Awareness month, visit her GoFundMe campaign to help promote her book: https://www.gofundme.com/heal-the-masses?sharetype=teams&member=574702&pc=ot_co_dashboard_a&rcid=9f94917af3304a52b85f6793e51a7366

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Tips for Improving Your Credit Score

When it comes to home buying, your credit score will be critical in determining the interest rate on your mortgage or even if you are offered a mortgage at all. Although there is much information available regarding how to improve your credit score, many of them provide general tips rather than specific methods for raising your score so that you qualify for the best rates. These tips will provide you with a roadmap to improving your score. Although it may take a little time to achieve the score you want, by being dedicated and focused on the improvement, you can get the home of your dreams at the interest rate you can afford.

Reduce Average Usage

One of the best ways to improve a credit score is to reduce the average usage of your revolving credit accounts. Ideally, the balance of all revolving accounts should remain at or below 30% of your available balance for credit scoring purposes. Unfortunately, only making minimum payments may not be sufficient to actually help your credit score if you are never able to pay the balance down below the 30% mark, and may actually hurt your credit score more if your interest is adding to your balance each month even after your minimum payment.

Pay Down Balances When it comes to determining your credit score, the calculation will be based on a total of all of your revolving accounts. This means that if you have three cards with a $500, $1000 and $1500 limit, your total revolving accounts will be $3000. The goal will be to keep your total balance between all three cards at less than $900. This is important because it isn't enough to carry a small balance on only one card if your other cards still add up to more than the 30% benchmark. Instead, pay down all cards so that your total balance is lower, and you will begin to see a few points each month added to your credit score. 

Avoid Multiple Credit Inquiries

Although it is important to shop around for credit, especially a mortgage, too many credit inquiries can damage your score. However, not all inquiries are as damaging as others. Each time a lender checks your credit, it can lower your credit score by as much as five points. Although that doesn’t sound like much, if you apply for credit through ten different lenders, you may see a 50 point drop in your score. The good news is that checking your own score does not damage your credit. In addition, if you are applying for an auto or mortgage loan, there may not be a significant drop in credit even if you apply to several different lenders. The reason for this is that credit agencies often look at mortgage or auto loan inquiries as one as long as they fall within a shopping period. In other words, if you have five or six inquiries from mortgage lenders within 45 days, they are all counted as just one inquiry. In some cases, the lender may completely ignore inquiries made in the 30 days prior to the day the score was computed. This allows you to shop around for the best interest rates available. However, keep in mind that the inquiries must be fairly close together in order for the lender to consider them all one inquiry. It is also important to remember that inquiries made by finance companies or credit card issuers are not lumped together as one inquiry, so avoid applying for new credit accounts while seeking a mortgage loan.

Ultimately the best solution to improving your credit score long term is to pay down the balances on your revolving accounts until they fall below 30% of your total available balance. Since this part of your score is based on the cumulative total of all revolving accounts instead of each one individually, it would be wise to pay down the accounts with the highest interest rates first, and focus on the others after you have reached the 30% goal. This will give you the best monthly savings as well as the best chance of improving your score a few points at a time each month. At Southern Trust Mortgage, our goal is to get you into the home of your dreams. To do that, our expert staff is here to help guide you through your credit issues and provide you with the best advice possible to get your score where it needs to be. Contact us today online, by phone at 240-695-2907 or via email. We are here to help you achieve your home ownership dreams.

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New DV Awareness Program Designed for Paradigm Shifts

I am 100% woman-owned small business.

I am seeking opportunities relating to all industries (especially Healthcare & Education), using cross-system collaborations and common frameworks to accomplish the following mission:

We Are Love, by Seanna Smallwood develops and implements eLearning, live, and public speaking events, workshops, and programs for use by Domestic & International stakeholders in their regional, state, and local jurisdictions to uncover and fill the gaps associated with effectuating a paradigm shift on the $55,000,000,000 US Public Health issue of Domestic Violence.

The programs I develop are designed to reflect a correlation between statistics associated with generational cycles of abuse, substance abuse & addictions, child welfare, mental health, disease control, domestic violence, IPV associated murders, gang violence, sexual violence, human trafficking, U.S. drug trafficking, teen dating violence, economic/financial abuse, mental and emotional abuse, cyber stalking, GR 9-12 adolescent peer abuse, and K-8 bullying VS. the missing objectivity deep within programs.

The key objective is to bring awareness by identifying areas of missing objectivity “from the top-down” in program design and in judicial systems, healthcare, public and private K-12 education, welfare/human services, social/human sciences - to EFFECTIVELY & QUANTITATIVELY IMPROVE economies of scale for government programs and private sector commercial revenues.

If you believe your organization has a need for this fulfillment, please contact me ASAP. My schedule is filling quickly.

Warmly,

Seanna Smallwood,

240-695-2907

Inquiries: www.StudentAdvocacyforSuccess.com

PASSIONATE ADVOCATE AGAINST DOMESTIC VIOLENCE www.FlutterForce.io

~ Author and Certified Public Speaker, Trainer & Empowerment Life Coach, USA

Find me on YouTube, Amazon, Facebook, LinkedIn, Instagram, & Twitter!

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When Your Life Coach Actually Changes Your Life

We all have blockages from our childhood because we’ve been living on a cycle, the template from our generational history, from Mom or Dad, that have implanted limited beliefs.

I help my coaching clients identify what these behaviors and beliefs are and change their cognitive behavior and beliefs - to remove success blocks.

I do this for love, sex, money, career, and family.

Visit Seanna’s Facebook page and let’s get you started on your CORRECT path for abundance.

Call today 240-695-2907

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#realestate #reaction #lovinglife #foundmydream #satisfied #seannasmallwood #bestrealtoreverhandsdown #startafamily #behappy #dmv www.realestate1stopshop.com The reaction you have when beginning to look for a home, and then finding your #dream with #seannasmallwood (at Maryland)