C-Suite Network™

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Advice Leadership Women In Business

Do You Want to Know How to Unlock the Massive Power of the Stars for Success?

“The stars always lead the way,” I say to a group the other week, “The stars tell you what’s going to happen in the world, then the economics follow and finally the business trends. If you want to stay on top of things, follow the stars. Keeping up with the other indicators leaves you behind.”

The look on the faces around the room as they range from aghast to intrigued and everything in between. I don’t mean to shock and awe, but it happens. Time and time again, especially when my predictions are accurate.

In fact, I read my all-time favorite quote yesterday from a follower I don’t know, “You should follow this woman and her weekly forecasts. She’s annoyingly accurate.” 😆

Yup.

Annoyingly accurate.

Most. Favorite. Quote. Ever.

Unlocking the massive power of the stars does so much more than keep you ahead of the trends. The stars give you the clarity and energy to do more than survive and thrive in your business, they show you how to grow and lead the way. You get to be on that cutting edge where leaders follow you. You become the voice of wisdom. The leader among leaders.

Let’s explore the 5 top ways the stars + strategy creates success:

  1. Guidance for Confident Decision-Making

Astrology provides you with a cosmic roadmap, guiding you through the twists and turns of the business world. By incorporating astrology into your strategy, you gain access to valuable insights that empower you to make decisions with unwavering confidence. You know when to launch, hire, sell, negotiate, optimize and take vacation with friends and family.

My clients wire their schedules based on their annual outlook that I outline for them at the top of year and then we check in either every month or every quarter to ensure their calendars are in lock-step with the stars. They gain the advantage of never having to worry about running into unpredictable roadblocks.

Every time they Voxer me with a decision-making question, I peek at their stars for the guidance that’s lays out their best scenario. They get the insights tailored just for them.

Planning your timing with the stars gives you peace of mind, conserves your energy and helps restore your resources. Trust the celestial guidance and let the stars illuminate your path to success. If you want a glimpse of what’s happening in the stars, watch my 30-second weekly forecasts here.

  1. Amplify Your Intuition by Tapping into Cosmic Wisdom

Every single person is intuitive. Period. End. You are intuitive, it’s merely a matter of how much you strengthen your intuitive muscle. As with anything, intuition development is a practice.

When you hear about your strengths, super powers, areas for improvement and what may be blocking your success, you’re able to align with your energies beyond what your mind thinks.

Your mind is a processor, only able to handle what it already knows. When you’re in a period of growth, your mind short circuits and creates reasons why you shouldn’t do this, follow that or say YES to new opportunities. Your mind is in the negative space to keep you safe. You can appreciate your mind, but your intuition is the wise one in times of growth.

Your intuition knows, but it exceedingly patient. Your intuition will wait until your mind is finished with its tape. Then your intuition looks for openings to be heard. It whispers, nudges and gives you inklings. If you’re not attuned to your intuition, you don’t hear it. Your intuition then quiets until it becomes completely silent.

Following the stars gives you opportunities to validate your intuition. I can’t count the number of times my clients have said, “I knew that” when I tell them what’s coming up for them. Each time, they gain a little more confident in listening to their intuition.

I also tell them to use my intuition as they develop their own. 😉 I have many articles and TV appearances about using your intuition on my media page.

  1. Embrace Authenticity and Lead with Purpose

Your journey as a female entrepreneur is about more than just financial success. It’s about embracing authenticity and leading with purpose.

Astrology allows you to align your business strategy with your cosmic blueprint, helping you discover your true calling and fulfill your soul’s purpose. Aligning with your true life purpose and shedding the expectations of others is exactly what happens when I walk through your stars the minute you’re born to download your everything. Simply, every single thing. You are seen, heard and known at the soul level, perhaps for the first time in your life, and that becomes the blueprint of opening you to your full potential. It’s magical with each and every client. I pinch myself being able to do this work. It’s more than a passion, it’s a calling.

Short of coming into the reading room with me, I’ve developed a 12-question quiz based on the astrological archetypes to give you guidance on what and how your energies work to align you with your purpose. When you unlock your authentic leadership potential, you automatically inspire others to follow their own cosmic path.

To find your Intuitive Success Type, take the quiz here. You’ll receive an 11-page report based on your type, be offered free access to my 8-minute webinar for 3 Secrets to Your Success and be given bonus tips and tools. You’ll also be given the link to follow me on YouTube and be offered a free 15-minute strategy call with me. That’s it. No hype. Just value.

  1. Navigate Market Trends and Seize Cosmic Opportunities

In the fast-paced business world, staying ahead of the curve is vital. Astrology provides you with a unique lens to understand market cycles, consumer behaviors and emerging trends. By integrating astrological insights into your strategy, you gain a competitive edge, seizing cosmic opportunities and making strategic moves at precisely the right time.

This is critical, AND it’s the very reason I offer a 12-month Star Boost for a nominal monetary commitment for the entire year. I feel it’s vital to have an astrologer in your back pocket and this is my way of making it easy and accessible to everyone. No matter how busy your schedule, you have 2-hours every other month to find out what’s happening in the cosmos and to gain valuable insights into your own energies. Having this information at your fingertips is pure gold.

I can’t tell you how many accolades I receive on the regular for this service. If you want to take a gander, here’s the link to the Star Boost page. You’ll get a sneak peek at the upcoming topics. You can also read the gushing for yourself. 😘 Join us, because when your mind knows what’s happening, it can relax and chill, allowing you to grow gracefully and easily.

  1. Cultivate Self-Awareness and Foster Personal Growth

Running a business is not just about external success; it’s also a journey of personal growth and self-discovery. Astrology acts as a mirror, reflecting your innermost essence and illuminating areas for growth.

Learning more about yourself is one of the most fun things to do, yet it requires strength and fortitude. You uncover aspects that are positive and heartfelt and others that are less favorable. However, moving into wholeness is required, especially for leaders at this time. The new way of leading dives deeply into the feminine ancient wisdom as well as incorporating the masculine logical skills.

Authentic leadership is just that – authentically revealing you to yourself and others. With this level of authenticity, vulnerabilities emerge.

In reaching for your full potential, it’s better to have support and guidance than trying to do it on your own. The stars want you to know, they’re here for you. As am I.

It’s time to embrace this opportunity for self-awareness to uncover your strengths and nurture your potential. Allowing the stars to propel your personal growth elevates your entrepreneurial journey and makes it more fun!

By blending the stars with your business strategy, you embark on a transformational path that transcends the ordinary. It’s about welcoming the mystical energy of the cosmos, developing your intuition and leading with authenticity and purpose. The stars are aligning for you, visionary business leader. Let’s embrace the cosmic dance together and watch your business soar to unimaginable heights. Your destiny awaits!

xo, Kim

www.kimwoods.com

 

Categories
Skills Women In Business

Formidable Woman’s Mag

I cannot thank Formidable Woman Magazine enough for allowing me to not only speak about my new series: Conscious Parenting. Is Parenting the New Generation Hard? BUT for also honoring me with the cover of their issue! I am so grateful for this opportunity and platform to reach parents and care givers in need of a new perspective.

If you are interested in getting involved in being part of a solution for uplifting all families, I would love to speak with you! Any brand who wants to be aligned with this message will be our partners. I’d love to help you reach more homes while you help the Conscious Parenting Revolution reach even more families longing for a change.

To find out more about this incredible investment opportunity, read my full article here

For our deck and TV sponsorship opportunities contact Calvin at media@katherinesellery.com.

Love and Blessings,

Katherine

Categories
Advice Best Practices Women In Business

Secure Your Future: The Power of Emergency Savings and How It Can Change Your Life

Are you ready to take control of your finances and secure your future? It all starts with building an emergency fund. Miller’s book, “Ready for Pretirement: Plan Retirement Early,” is an exciting and inspiring guide that teaches you to be proactive and plan for the uncertainties of life.

In today’s world, emergencies can happen at any time, and having an emergency fund can provide you with the confidence and security you need to face these challenges head-on. Whether it’s a family medical crisis or unexpected job loss, having a cash reserve can prevent you from making imprudent decisions and help you weather the storm.

The current times have given rise to a predominant sandwich generation, where individuals need to care for their elderly parents while taking care of their young kids. This makes emergency cash more critical than ever before. Miller’s book provides actionable steps to create a fund that can cover living expenses for up to 5-6 months, ensuring that you have the financial stability to face any adversity that comes your way.

Cash flows can be volatile, and there will be months when you earn considerably less or have unexpected expenses. An emergency fund sees you through these rough periods in your life and ensures that you don’t fall behind on bills or incur debt.

The best part about building an emergency fund is that it’s never too late to start. Miller’s book provides practical tips and guidance to help you get started and stay on track. You’ll learn how to make saving a habit and create a plan that works for you.

So, what are you waiting for? Take control of your finances and secure your future by creating an emergency fund today. Miller’s book is a must-read for anyone looking to build a strong financial foundation and achieve financial security. Don’t wait any longer to start your journey towards a financially fit life!

For more Healthy Money Tips Listen to our PodCast  “Money 911

Subscribe to my Youtube channel youtube.com/@healthymoneyhappylife

Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions

Go to my website  healthymoneyhappylife.com

Email me at Kris@HealthyMoneyHappyLIfe.com

Call me at (951) 926-4158

Categories
Best Practices Operations Women In Business

New Mom Must – Haves and Effective Parenting Strategies: A Guide to Navigating Parenthood

Taking care of yourself as a new mom and adjusting to your new role can be both exciting and challenging. With so many changes happening, it’s natural to feel overwhelmed or unsure of what to do next. However, having a support system and the right tools and knowledge can help you navigate this transition with more ease and confidence. By the end, we will cover some essential must-haves for new moms, how to support a new mom, and effective parenting strategies for new parents.

Understanding My Emotional Needs

As a new mom, it is essential to prioritize your emotional well-being. You may feel overwhelmed or anxious at times, but it is crucial to recognize these feelings and address them. Here are some tips on how to take care of yourself emotionally:

  • Rest whenever you can and accept help when it’s offered
  • Eat nutritious meals and stay hydrated
  • Connect with other new moms for support and advice
  • Take care of your physical and emotional health

By focusing on self-care, you can take care of your baby more effectively.

Must-Haves for New Moms

Having the right tools and items can make your life easier as you care for your new baby. Here are some must-haves:

  • Diapers and wipes
  • Baby clothes and blankets
  • Nursing bras and breast pads (if breastfeeding)
  • Bottles and formula (if bottle-feeding)
  • Baby carrier or sling
  • Baby monitor
  • Changing table or mat
  • Stroller or baby carrier

Preparing for the baby’s arrival can also make the transition easier. Set up a nursery or designated space for the baby, create a registry, stock up on essentials in advance, and prepare meals in advance or arrange for meal delivery.

Supporting a New Mom

As a partner, family member, or friend, supporting a new mom can make a big difference during this exciting but challenging time. Here are some ways to offer support:

  • Understand that new moms may feel overwhelmed or anxious
  • Listen and offer encouragement
  • Help identify and address any feelings of guilt or inadequacy
  • Offer to help with household chores or running errands
  • Bring over a meal or offer to cook
  • Provide a listening ear and offer advice if asked
  • Offer to watch the baby so the new mom can have a break
  • Remind her of her strengths and abilities
  • Validate her feelings and experiences
  • Help her connect with other new moms for additional support

Effective Parenting Strategies for New Parents

As new parents, it’s normal to feel uncertain about how to best support your child’s development. Here are some effective parenting strategies to help you navigate this exciting but challenging time:

  • Focus on finding solutions rather than dwelling on problems
  • Cultivate a positive mindset and focus on what’s going well
  • Acknowledge what’s working well and build on it
  • Identify areas for improvement and set goals for positive change
  • Use positive reinforcement to encourage desired behaviors
  • Set clear expectations and boundaries
  • Use natural consequences for misbehavior
  • Reframe negative behaviors by focusing on positive alternatives
  • Use a guidance approach to parenting that emphasizes problem-solving and collaboration
  • Practice assertiveness and set clear expectations while respecting your child’s needs and feelings
  • Encourage self-regulation and self-motivation in your child
  • Use stress-reducing techniques like mindfulness or exercise
  • Create a peaceful and supportive home environment

Additionally, it’s important to note that every family is different and what works for one family may not work for another. As a new parent, it’s okay to experiment with different strategies and find what works best for you and your child.

Another crucial aspect of effective parenting is establishing a routine and structure for your child. A consistent routine can provide a sense of stability and predictability for your child, which can be especially important during times of change or transition. This can include setting regular bedtimes and meal times, establishing a daily schedule for activities, and creating a designated space for playtime.

It’s also important to foster a positive and nurturing environment for your child. This can include providing praise and encouragement for their accomplishments, expressing love and affection, and creating opportunities for bonding and quality time together. Remember that children thrive in environments where they feel safe, supported, and loved.

By implementing these effective parenting strategies, you can raise confident and resilient children while reducing stress in your household.

Becoming a new mom is an exciting and challenging time, but with the right support and effective parenting strategies, you can navigate this transition with more ease and confidence. By prioritizing your emotional well-being, having the right tools and items, and seeking support from others, you can take care of your baby more.

Love and Blessings,

Katherine

P.S.: Looking for more weekly guidance? Join me in my private Facebook group for tips every Tuesday!

Categories
Advice Leadership Wealth Women In Business

Secure Your Retirement: The Importance of ‘Dementia Insurance’ for Retirees

Retirement is supposed to be a time of relaxation and enjoyment, but for many retirees, it can be a source of stress and anxiety. One of the biggest challenges for retirees is managing thier finances. With traditional pension plans becoming less common, many retirees must rely on their own savings, such as their 401(k) plan, to finance their retirement. And while the accumulation phase of saving for retirement can be difficult, it’s nothing compared to the challenges retirees face during the distribution phase.  

As retirees begin to withdraw money from their savings to pay for their expenses, they must also contend with the possibility of cognitive decline. According to recent studies, over half of people in their 80s suffer from dementia or cognitive impairment without dementia. This can make managing finances a daunting task, leaving retirees vulnerable to financial fraud and mishandling of funds.  

Fortunately, there is a solution: ‘dementia insurance.’ This concept, proposed by Harvard economist David Laibson, refers to the use of annuities to help protect retirees from poor financial decisions associated with dementia. An annuity is a financial product that provides a stream of income in exchange for a lump sum payment. By purchasing an annuity early in retirement, retirees can transform their savings into a stream of lifetime income, which can help simplify financial decision-making and protect against fraud.  

The cheapest way to purchase the best annuity is to delay claiming Social Security benefits. For those with modest 401(k) balances, the ideal strategy may be to work as long as possible, then use 401(k) assets to pay for living expenses to delay claiming an extra two or three years. The Social Security annuity is indexed for inflation, which is a feature that is hard to find in the private market.  

While the idea of purchasing an annuity may seem daunting, it’s important to remember that it can provide peace of mind and security during retirement. With the specter of cognitive decline looming, it’s crucial for retirees to plan ahead and take steps to protect their financial future. By considering the purchase of an annuity, retirees can enjoy their golden years with confidence and security. So, don’t wait any longer – start exploring your options for ‘dementia insurance’ today!  

For more Healthy Money Tips Listen to our PodCast  “Money 911 Subscribe to my Youtube channel youtube.com/@healthymoneyhappylife Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions Go to my website  healthymoneyhappylife.com Email me at Kris@HealthyMoneyHappyLIfe.com Call me at (951) 926-4158

Categories
Advice Wealth Women In Business

From Illness to Financial Stability: How to Secure Your Future and Protect Your Health

Don’t let illness cripple your financial stability! We all know that health is wealth, but have you ever considered that wealth is also health? When illness strikes, it can be a devastating blow to your finances, leaving you with huge medical bills and a looming sense of financial insecurity. However, with some proper planning and smart investments, you can prevent illness from turning your financial life into a catastrophe.

The first step to financial preparedness for illness is to make a financial plan. You need to evaluate your current assets and estimate your future expenses, taking into account any disability-related costs. A professional financial advisor can help you create a plan that will ensure financial stability for you and your family.

One of the best ways to protect yourself financially during illness is to invest in disability and life insurance. These investments will provide a safety net for you and your family when you need it most. Another smart investment strategy is to have at least 6 months’ worth of income saved in a liquid form, as a security blanket in case of emergency.

Sharing financial information with your partner or spouse is also crucial, especially if you are the sole breadwinner in your family. You should also check your employer’s disability plan and be informed about worker’s compensation, as they can be instrumental in maintaining your financial stability in times of illness.

Investments and financial portfolios should be evaluated on a regular basis, and debt should be avoided as much as possible. Luxuries such as home appliances and cars should be purchased only if you can afford them, and long-term investments should be made with the guidance of a financial advisor.

Ultimately, consolidating all financial information in one place and making the right investments is the key to ensuring financial stability during times of illness. Don’t wait until it’s too late – start planning today to prevent illness from turning your financial life into a catastrophe.

For more Healthy Money Tips Listen to our PodCast  “Money 911Subscribe to my Youtube channel youtube.com/@healthymoneyhappylife

Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions

Go to my website https://healthymoneyhappylife.com

Email me at Kris@HealthyMoneyHappyLIfe.com

Call me at (951) 926-4158

Categories
Advice Best Practices Branding Networking Skills Strategy Women In Business

How to use the Zodiac to your Advantage.

The zodiac is for everyone. No matter race, religion, gender, age or geography. The stars are here for every human to use to their FULL and COMPLETE advantage.

How can you do that?

Astrology is tied to astronomy, so the first step is understanding that the stars and planets hanging beautifully in the sky have impact on you.

Then, here are a few simple tips: 

Appreciate the limitations of horoscopes.

Here’s why astrology gets such a bad rap. There are horoscopes aplenty online – everything from daily to weekly to monthly and are based on your Sun sign. Most people know their Sun sign, so it’s easy for people to search and connect with their solar horoscope. However, these horoscopes are severely limited.  Yes, the Sun is central to your astrology, yet it’s still only 1 of 10 planets. Plus, there’s so much awesome information in your chart – house behaviors, planetary aspects, lunar nodes, your heart’s desires, soul mate imprint, life mission destiny and arc of intimacy to name only a few. It’s your complete cosmic blueprint. Completely ignoring it is unreliable. But, you can have fun with horoscopes. I’m not saying don’t read them. I’m just saying take them in complete awareness of their limitations.

Understand the cosmos.

Knowing what’s happening in the cosmos every month is really helpful to navigating your best interests on a daily or weekly basis. This is the reason I spend hours analyzing and interpreting the monthly energies and lunar cycles every month. It’s important to know what’s going on generally with tips on what to do throughout the month. Other people do this too. Find your person – the one you like, the one who speaks to you – then sign up for their monthly messages. I offer a FREE monthly forecast to help you navigate each month’s energies. Here you can sign up for my monthly forecast to be delivered to your inbox each month. 

Follow the Sun.

Here’s some fun for you. It doesn’t matter what your Sun sign is, you can lean into the solar energies every month. You just need to know the zodiac calendar and what it means. I’ve done it for you here:

Dates (ish) Sun Sign Meaning
Mar 21 – Apr 19 Aries – ♈ Aries likes to lead. Be brave, bold and confident. Go on an adventure. Get physical. Start something new. Seek inspiration and act with enthusiasm. Get others to follow you.
Apr 20 – May 20 Taurus – ♉ Taurus likes stability. Take a deep breath and seek the silence of nature. Explore anything sensorial – taste, smell, touch, sight or sound. Play with animals. Find the ability to simply be.
May 21 – Jun 20 Gemini – ♊ Gemini likes communicating. Talk, travel, explore, learn – anything and everything. Open your mind to the wonders of the world. Read, teach, speak. Present. Debate. Solve problems, think critically. Do everything mental – literally.
Jun 21 – Jul 22 Cancer – ♋ Cancer likes to experience emotions. Sink into your intuition, Nurture yourself. Be affectionate, sensitive and caring. Heal yourself and your family. Go inward. Stay at home – feel safe and loved.
Jul 23 – Aug 22 Leo – ♌ Leo likes to be in the spotlight. Get cheery, have fun, be generous and inspire others. Be regal, kind-hearted and charming. Express yourself. Open your heart to joy. Trust and celebrate life. Delight in being alive.
Aug 23 – Sep 22 Virgo – ♍ Virgo likes order and neatness. Get to work. Assume your duties and responsibilities. Get organized and set a schedule for routine. Check in with your health. Analyze, research or gain a skill. Find your mentors. Be in service to the world.
Sep 23 – Oct 22 Libra – ♎ Libra likes balance. Collaborate, find your teammates and work together in harmony and justice. Seek balance. Discover calm through art and beauty. Make a commitment in relationship. Find your partners.
Oct 23 – Nov 21 Scorpio – ♏ Scorpio likes to live a secret life. Dive deeply into honest self-reflection. Pursue the mysteries of life. Confront uncomfortable topics. Tell the truth. Investigate the darker edge of your life and heal with penetrating intensity. Forgive and let go of the past.
Nov 22 – Dec 21 Sagittarius – ♐ Sagittarius likes meaningful experience. Socialize, communicate and explore new experience. Open your heart and mind to differing viewpoints. Travel to learn other cultures. Expand through higher learning. Broaden your philosophy of the meaning of life. Begin your quest.
Dec 22 – Jan 19 Capricorn – ♑ Capricorn seeks Great Work. Focus your will, assume responsibility and get to work. Go inward to know yourself to determine your true desires. Be discerning and achieve greatness. Make effort to discover your mastery.
Jan 20 – Feb 18 Aquarius – ♒ Aquarius likes individuality. Be original. Shake off conformity. Go your own way. Express your truth. Create your own rules and structures. Use technology. Invent. Reach for the future. Be a visionary, create and innovate.
Feb 19 – Mar 20 Pisces – ♓ Pisces is one with the world. Imagine. Dream. Intuit. Connection to the oneness of the Universe. Love universally. Find joy in the wonders of the world through your imagination and sensory perceptions. Be gentle with yourself.

Note: ‘Dates- ish’ as the dates may vary by a day or two. It depends on the year.  

Have fun with this. I encourage you to lean into the strength of the solar energies each month to take the most advantage of the zodiac.

For example, get stuff done during the early part of January, have so much fun in early August and delve deeply into introspection in the later part of October. The zodiac signs are more supportive of these activities due to the Sun’s entry into them at these times.

Have fun – the stars are here for you!

As always, wishing you joy,

Kim

PS Subscribe to my YouTube Channel to receive my short weekly energetic tips

Categories
Accounting Advice Women In Business

Be Prepared: Why an Emergency Fund is Essential for Any Crisis

Are you financially prepared for an emergency situation? Can you survive without access to banks or ATMs for an extended period? Do you have enough emergency funds to cover your basic necessities during natural calamities or catastrophic events? These are the questions that you need to ask yourself to ensure that you are ready for any emergency situation that may come your way.

Having an emergency fund with you is essential to help you survive during tough times. The amount that you need to keep varies, and it depends on the situation that you are in. Some people suggest keeping at least $500, while others recommend $1,000 or more. There are even those who advise saving enough to cover your living expenses for three to eight months.

The important thing is to start saving for your emergency fund today. You can start small by setting aside a portion of your monthly income. Financial gurus suggest saving at least $250 per month, or if you cannot afford that, extend your savings period to 18 months and save at least $166 per month.

One of the common concerns about keeping an emergency fund at home is safety. It’s understandable that you may feel unsafe keeping large sums of money at home, but there are clever and safe ways to hide or keep your emergency funds. You need to find secure places where you can easily access your money when you need it.

Remember, an emergency fund is not disposable income. It should be treated differently and considered a necessity. It’s not a matter of if an emergency situation will happen, but when it will happen. So, it’s essential to be prepared at all times. Saving for an emergency fund takes the same approach as saving for a rainy day or a nest egg.

In conclusion, having an emergency fund is essential to help you survive during tough times. It’s never too late to start saving for your emergency fund today. The amount that you need to keep varies, but the important thing is to have enough cash on hand to cover your basic necessities during natural calamities or catastrophic events. So, start saving now and be prepared for any emergency situation that may come your way.

For more Healthy Money Tips Listen to our PodCast “Money 911” and Subscribe to my Youtube channel here

Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions

Go to my website healthymoneyhappylife.com

Email me at Kris@HealthyMoneyHappyLIfe.com Call me at (951) 926-4158

Categories
Advice Best Practices Wealth Women In Business

Building Financial Security: Simple Tips to Take Control of Your Finances and Secure Your Future

Are you worried about your financial future? Do you ever feel like you’re just barely getting by, and the idea of retirement seems like a far-off dream? You’re not alone. Many people feel overwhelmed and uncertain about their finances, especially in the midst of economic uncertainty and unexpected emergencies.

But the good news is that financial security is within your reach. By following a few simple tips, you can take control of your finances and build a brighter future for yourself and your loved ones.

First, start by making saving a habit. Remember when you were a kid and your parents encouraged you to put a portion of your allowance into a piggy bank? The same principle applies today. Set aside at least 10% of your income into a savings account, and make it a regular habit. This will give you a safety net for emergencies and unexpected expenses, and help you build towards a more secure future.

Next, ditch the credit cards. Credit cards can make it easy to overspend and rack up debt, leaving you feeling trapped and uncertain about your finances. Instead, focus on buying only what you can afford with cash or your debit card. This will help you stay within your budget and avoid unnecessary debt.

Speaking of budget, make sure you have one! A budget is an essential tool for gaining financial security. By knowing exactly how much money you have coming in and going out each month, you can make informed decisions about your spending and ensure that you’re not overspending or falling into debt.

Another important step is to avoid silly risks. We all want to get rich quick, but the truth is that the most reliable way to build wealth is to do it slowly and steadily over time. Avoid get-rich-quick schemes, gambling, and other risky investments that could leave you worse off than before.

If you’re looking to save for retirement, consider putting your savings into a tax-deferred account or a Roth IRA. These types of accounts allow you to save your money and avoid taxes until you withdraw it, making it an effective way to build towards your retirement.

While you’re at it, make sure you’re not paying unnecessary taxes. Work with a good tax attorney to figure out where you can save on taxes legally, without risking any legal trouble.

Finally, invest intelligently. Making the right investments can be a great way to build wealth over time. However, it’s important to work with a professional who can guide you toward the right investments for your goals and risk tolerance.

Protecting your assets is also an essential part of gaining financial security. Make sure you have insurance for your assets, including your home, car, and life. This will give you peace of mind and help you enjoy your assets without worrying about your finances.

In short, financial security may seem like a daunting goal, but it’s within your reach. By taking these simple steps, you can take control of your finances and build a brighter future for yourself and your loved ones. Remember, the freedom that comes from not having to worry about retirement and emergencies is priceless. So start building your financial security today!

For more Healthy Money Tips Listen to our PodCast  “Money 911

Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions

Go to my website https://healthymoneyhappylife.com

Email me at Kris@HealthyMoneyHappyLIfe.com

Call me at (951) 926-4158

Categories
Advice Wealth Women In Business

From Ancient Rome to Modern Day: The Timeless Success of Deferred Annuities

Have you ever wondered how people secured their retirement income in ancient times? Look no further than the Roman Empire over two thousand years ago, where speculators sold a payout known as Annua – the root word for what we know as annuities today. Fast forward to 1720 in the United States, where the Presbyterian Church used annuities to provide a secure retirement for aging ministers and their families, widows, and orphans. Annuities have been a reliable and vital financial tool for individuals, organizations, and businesses worldwide ever since. In 1912, Pennsylvania Company Insurance was among the first to offer annuities to the general public in the United States. Today, annuities continue to grow in popularity as people look for secure ways to guarantee retirement income. Many notable people throughout history have made use of annuities, including Benjamin Franklin, Babe Ruth, OJ Simpson, and even former Federal Reserve Chairman Ben Bernanke, who disclosed that his major financial assets were two annuities.    

One type of annuity that has gained significant attention over the years is the deferred annuity. As the name suggests, a deferred annuity allows for deferral in the payout, which allows the value of the annuity to increase. After a deferral period, the annuity can produce more income, providing a lifetime of financial stability. Deferred annuities can be purchased in periodic, systematic, or lump sum payments, providing flexibility to suit individual needs.    

Deferred annuities have the added advantage of tax deferral, making them commonly referred to as tax-deferred annuities. With tax deferral, you can earn interest on your annuity without paying taxes until you withdraw funds from the annuity. This makes it an attractive option for individuals looking to build a retirement nest egg.    

Fixed deferred annuities are typically invested in high-quality A-AAA government and investment-grade bonds, providing stability and no risk to the client. On the other hand, variable deferred annuities are invested in the securities market, and clients assume the market risk. Fixed index deferred annuities use the index as a gauge to credit interest to the client, providing a balance between market risk and stability.    

One unique feature of deferred annuities is that they are creditor-protected in most states, providing an added layer of security for individuals concerned about protecting their assets. Additionally, a CD deferred annuity refers to a type of annuity that has a multi-year interest guarantee, similar to a bank-issued CD.    

It’s important to note that deferred annuities are first guaranteed by the claims-paying ability of the insurer, and then each state has a State Insurance Guarantee Association (SIGA) with varying coverage limits. Therefore, it’s essential to choose a reputable insurer and do your due diligence before investing in a deferred annuity.    

In conclusion, annuities have a rich and successful history, dating back to ancient Rome, and continue to provide a reliable financial tool for individuals, organizations, and businesses worldwide. Deferred annuities, in particular, offer flexibility, tax deferral, and stability, making them a popular choice for those looking to secure their retirement income.    

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