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Best Practices Personal Development Technology

THE CHALLENGES AND SOLUTIONS OF A FINANCIAL DIGNITY ISSUE WITH A MUST HAVE PLANNING

“Getting up, Getting over, and Getting on. I want to show you how in under 10 minutes, you can be Getting On with… Financial Dignity. I will attempt to combine over 40 yrs experience helping others to achieve fiscal health upon divorce.

Two parts “the problems and some solutions for today and tomorrow. It has been said that “two can live as cheaply as one” what we have now for many is:  One will now live more expensively than two. What we have is a loss of economy of scale. We now have two residences, two separate health policies, and sets of everything from autos to flatware. Additionally, we lose multi-car insurance discounts; the list continues. These problems are on top of our country’s dismal economic future.

 A few years back, I heard this story. A couple went for a walk in the woods and deviated somewhat from the trail, where they happened upon an old wishing well. Intrigued, the wife went first tossing in a coin, and she made a wish and walked away. As she walked away, she heard a splash and turned. The husband was gone, she gasped, “Oh my god, I can’t believe it works.”

Another story this one is not funny: a man and a woman both earn the same income, have the same job titles, and have the same amount in their 401(k)s. Both work for progressive companies that treat different sexes equally; everything is identical. Who gets the bigger monthly pension check- the male? Why? Longevity women usually live longer and will collect for a more extended period. (Same reason men pay more than women for life insurance- they die sooner).

Must change all legal six must-have documents, inc beneficiary forms 401(k), etc. company and personally owned life insurance*

  1. Will
  2. Power of Attorney for financial
  3. Power of Attorney for healthcare  
  4. HIPAA release
  5. Medical directive
  6. Retirement plan beneficiaries

PICTURE

For future planning: 

Idea one: A 50-50 split may leave the women short when splitting assets. You must factor in retirement assets differently. (Ask how much these dollars will produce in income future) and most importantly. It would be best if you planned more safely for these assets much differently than when married.

Idea Two: Reduce taxes. It sounds basic, but we need to do three things:

  • Reduce current taxes
  • Plan future taxes 
  • Now for the critical part plan to use the tax saving to bolster your savings and retirement income. In others, words use Uncle Sam’s money for you. A big issue is avoiding and reducing taxes on your S.S. benefits.  

Idea Three:   Understand Social Security benefits, how, when, and on whom to collect. You can collect on an ex-spouse (if married for ten years). Did you know you can collect on both? They can be staggered in certain circumstances:  the Ex first, then your own, or you first, then the ex. It would be best if you planned to maximize this income, and the laws are complex.

Idea Four: use the “Old Age Roth,” which will ensure your later years are spent living with dignity and not relying on others. 

Idea Five: You must provide a lifetime income stream that CANOT be outlived.

Idea Six: use the Dollar Multiplier in everything you do. Get three dollars in value for every dollar. Like getting low or no cost Long term care coverage attached to a retirement plan or life insurance.

 

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

Meet with Kris Miller – Financial Fitness Strategy Sessions

https://healthymoneyhappylife.com/

Kris@HealthyMoneyHappyLIfe.com

(951) 926-4158

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Case Studies Culture Leadership Marketing Personal Development Skills Technology Women In Business

Women Supporting Women

Did you know it’s National Women’s History Month? As a female business owner and entrepreneur, I’d like to say THANK YOU to all those who came before me and paved the way. Sometimes, being a strong powerful woman can feel very isolating. We all know the irreplaceable value of a strong, inclusive, loving support group. From childhood to parenthood, small networks of family, friends, neighbors, coworkers, and classmates give us a sense of belonging, protection, and camaraderie.

Support feeds the soul.

Getting the right support is crucial. Whether your kid won’t stop yelling your name or your coworker is clicking their pen incessantly, there are times when you’re frustrated and stressed out. All you want is the sympathetic voice of a friend who knows what you’re going through (and maybe a glass of wine).

You may have been disconnected from your usual support systems in recent seasons of life. I’ve discovered that a great podcast can help rebuild a sense of community. Listening to a wonderful podcast host feels a bit like a conversation with a wise and empathetic friend.

I’ve had the honor of collaborating with several incredible podcasts within the Conscious Parenting Revolution platform. If you’d like a little female camaraderie and support, I encourage you to listen (and subscribe!) to these fantastic shows.

THE SENSORY PROJECT SHOW

Rachel Harrington and Jessica Hill are certified occupational therapy assistants whose mission is to help families practice health and wellness in their daily lives. They’re light-hearted, funny, intelligent women with a fresh perspective on healthy family dynamics. Listen to my episode with Rachel and Jessica here.

THE BLENDED FAMILY PODCAST

Melissa Brown addresses the challenges of having an extended and blended home life with personal stories based on her own family. She tackles difficult topics like having a healthy divorce, managing relationships between non-biological siblings, and “time sharing” with an ex. Her episodes aim to help blended families not only co-exist, but thrive. Listen to my episode with Melissa here.

DISTRACTION PODCAST

In our world full of bright, shiny objects, we all need some advice on managing distractions. Dr. Ned Hallowell, a New York Times best-selling author and ADHD expert, lends his expertise on minimizing distractions in your daily life. His bright, enthusiastic show offers practical advice and shows how issues like ADHD can transform into strengths. Listen to my episode with Dr. Ned here.

THE MODERN MAMAS PODCAST

Jess Gaertner and Laura Bruner embody modern motherhood: Laura is a certified nutrition consultant, Jess is a licensed athletic trainer with a master’s degree in kinesthesiology, both are CrossFit trainers, and mamas to their babies—whew! They interview guests about fertility, pregnancy, parenting, fitness, and holistic health and spirituality. This duo is a blast to listen to! Listen to my episode with Jess and Laura here.

EXPERT TALK WITH TGO

A direct connection into the world of “Trailblazers” who openly share their journeys to success. From step-by-step tips on building their businesses to how they overcame insurmountable odds and turned their dreams into realities. Tune in to our International Women’s Day LIVE Event March 8th!

LAW OF ATTRACTION WITH NATASHA GRAZIANO

Bringing you the latest wisdom and neuroscience on how to manifest your goals in life and create abundance in wealth, love, health, relationships. She is the creator of the world renowned meditational behavioral synchronicity (MBS) method. By listening to this podcast, you will learn how to refocus your mindset and thought processes with practical and mindful exercises that you can begin right here, right now, simply by pressing play. Listen to my podcast episode here.

 

Which episode was your favorite? Hit reply and let me know!

Love and blessings,

Katherine

P.S. I am thrilled to be part of the 3rd Annual International Women’s Day Marathon!! An event featuring over 25 live interviews hosted by my good friend, TGo, showcasing successful women from small business entrepreneurs to trailblazers from around the world. On March 8, 2023, from 9-5pm PT, you can watch this event for FREE, streamed live from the comfort of your own home. You will have the opportunity to hear from remarkable women who have made a significant impact in their respective fields, inspiring and empowering you to achieve your own goals. This inspiring event is made possible by NOW – the Network Of Outstanding Women, and is sponsored in part by PodNation TV and JD3TV networks. I can’t wait to share with you! iwdm.live

 

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Growth Technology

First Female CTO Of The U.S. Megan Smith Hopes Tech’s History Can Repeat Itself

Author: Jenna Arnold / Source: Forbes

Megan Smith addressing a gathering of residents of Cheyenne, WY to discuss job opportunities in tech.

American talent is ubiquitous, with entrepreneurial wunderkinds as likely to be born in our heartlands as on our coasts. The problem has been that we’ve done a really unequal job of scouting and scaling it. There are 6 million young people not in school or working, 12 million experienced skilled workers who need to re-train, and 1.5 million veterans who are unemployed or reentering the civilian workforce, all at a time when we have 500,000 open American tech and programming jobs. This matters for more than just the tech sector; who fills these jobs will dictate who sits at the table for many of our key cultural and political decisions over the next generation. Enter Megan Smith and the Tech Jobs Tour. Smith is a former Vice President at Google and the 3rd and first female Chief Technology Officer of the United States. Despite her ever-changing and ever-more-impressive titles, Smith would be the first to tell you she has the same job now she’s always had: evangelist. To watch her work a room is magic, instilling in anyone within earshot both that technology is a large part of our future and that there are no barriers to participation.

Most central to her message, however, is the key insight that is most often lost: not only is inclusivity a part of technology’s future, it was also a seminal part of its past. Ada Lovelace, for example, an English woman born in 1812, was the first computer programmer; Katherine G. Johnson, an African-American woman featured in the Oscar-nominated film Hidden Figures, helped put NASA astronauts on the moon and was awarded the Presidential Medal of Freedom in 2015; Grace Hopper invented coding itself; in President Obama’s words: “If Edison is light and Wright is flight, Hopper is code”.

History books often overlook and under-tell these stories, opting instead to lionize male inventors; for all the stereotypes of the “brogrammer,” we forget that technology – like most things – was birthed by remarkable women. They forgot to teach you all this in 11th grade. As Smith tells it: “So much of my work…

Click here to read more

 

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Technology

All Business with Jeffrey Hayzlett Is Now on Amazon Music

All Business with Jeffrey Hayzlett, the leading business podcast on C-Suite Radio, is announcing that it has been added to the lineup of podcasts on Amazon Music. All Business with Jeffrey Hayzlett brings to light conversations with some of the brightest minds in business where nothing is off-limits – the good, the bad, and the ugly, from Main Street to Wall Street.

Amazon Music is one of the largest on-demand streaming music services with over 55 million customers and growing. It’s also integrated with Alexa, giving podcasters the opportunity to reach millions of listeners and target potential customers.

“This is a great opportunity for our show and for our network as a whole. At C-Suite Radio, we always refer to the hockey stick of growth – and while this time has been challenging for many, the network has been growing rapidly and steadily,” said host Jeffrey Hayzlett. “With over 200 shows on our network, this is a great opportunity and I encourage other podcasts hosts to follow in our footsteps. Content is king and the ability to monetize that content has increased significantly.”

 

All Business with Jeffrey Hayzlett features insightful conversations around the most compelling topics in business today. Guests offer an astute perspective in the form of personal narratives, challenges faced, setbacks overcome, innovations pioneered, objectives met, and lessons learned. Past guests have included Beth Comstock, Steve Forbes, Piers Morgan, Gene Simmons, Kevin Jonas, Bob Guccione, Jr., Christie Hefner, Arianna Huffington, Andrew Zimmern, and more.

If you would like to submit your podcast to Amazon Music, visit this link and follow the steps.

If you have a business show you’d like to see on C-Suite Radio, contact us here.

If you would like to be considered as a guest on C-Suite Radio, fill out this submission form.

Categories
Technology

All Business with Jeffrey Hayzlett Is Now on Amazon Music

All Business with Jeffrey Hayzlett, the leading business podcast on C-Suite Radio, is announcing that it has been added to the lineup of podcasts on Amazon Music. All Business with Jeffrey Hayzlett brings to light conversations with some of the brightest minds in business where nothing is off-limits – the good, the bad, and the ugly, from Main Street to Wall Street.

Amazon Music is one of the largest on-demand streaming music services with over 55 million customers and growing. It’s also integrated with Alexa, giving podcasters the opportunity to reach millions of listeners and target potential customers.

“This is a great opportunity for our show and for our network as a whole. At C-Suite Radio, we always refer to the hockey stick of growth – and while this time has been challenging for many, the network has been growing rapidly and steadily,” said host Jeffrey Hayzlett. “With over 200 shows on our network, this is a great opportunity and I encourage other podcasts hosts to follow in our footsteps. Content is king and the ability to monetize that content has increased significantly.”

 

All Business with Jeffrey Hayzlett features insightful conversations around the most compelling topics in business today. Guests offer an astute perspective in the form of personal narratives, challenges faced, setbacks overcome, innovations pioneered, objectives met, and lessons learned. Past guests have included Beth Comstock, Steve Forbes, Piers Morgan, Gene Simmons, Kevin Jonas, Bob Guccione, Jr., Christie Hefner, Arianna Huffington, Andrew Zimmern, and more.

If you would like to submit your podcast to Amazon Music, visit this link and follow the steps.

If you have a business show you’d like to see on C-Suite Radio, contact us here.

If you would like to be considered as a guest on C-Suite Radio, fill out this submission form.

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Accounting Growth Human Resources Investing Management News and Politics Personal Development Technology

Is This the Beginning of the End for Wayfair?

It’s been a big week for retail…

Wayfair, the online home goods retailer, announced today it was laying off close to 900 employees. This comes after the company announced a hiring freeze back in May.

The layoffs represent about 5% of the company’s global workforce and 10% of its corporate team. 400 jobs are being cut in Boston alone at the company’s HQ).

This announcement came as an alarm to investors, causing the stock to plummet…

Wayfair’s Stock is Crashing…

For the first two years of the COVID-19 pandemic, the company was profitable. According to The Wall Street Journal, Wayfair’s stock fell by over 17% Friday morning.

Wayfair has been struggling to keep customers after a spike at the start of the pandemic. Earlier in August, Wayfair said it lost 24% of active customers since last summer.

Recent regulatory filings revealed that the job cuts will help Wayfair “manage operating expenses and realign investment priorities.”

CEO Niraj Shah wrote in an letter to employees that the layoffs were a “difficult decision” resulting from Covid-19.

“We were seeing the tailwinds of the pandemic accelerate the adoption of e-commerce shopping, and I personally pushed hard to hire a strong team to support that growth,” Shah wrote. “This year, that growth has not materialized as we had anticipated. Our team is too large for the environment we are now in, and unfortunately we need to adjust.”

 

Is This the Beginning of the End for Wayfair?

Wayfair had flourished at the beginning of the pandemic, when demand for inexpensive furniture and other home decor upgrades that it broke global supply chains and caused lengthy shipment delays.

But fast forward to the present economy, inflation has killed discretionary spending for  middle-income shoppers, who have pulled back their purchases to focus on paying for necessities like groceries, gas and rent. Wealthier customers have shifted their spending from furniture and other goods to travel and services. Mortgage rates have climbed significantly, cutting into demand for new homes as well (a key demographic for the company).

Overall, Wayfair posted a net loss of $378 million during the quarter. Wayfair’s shares have lost about 70% of their value since the start of the year. The layoffs will cost Wayfair between $30 million to $40 million for employee severance and benefits.

 

WATCH:

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Best Practices Biography and History Economics Entrepreneurship Industries Investing Management Mergers & Acquisition News and Politics Personal Development Technology

Is This the End of Shopify? Shopify Lays Off 10% of Employees

Shopify Inc. SHOP 1.90%▲ is cutting roughly 1,000 workers, or 10% of its global workforce, rolling back a bet on e-commerce growth the technology company made during the pandemic, according to recently shared internal memo.

Leaving many people wondering why?

According to the Wallstreeet Journal reported today, Shopify CEO Tobi Lütke says company made wrong bet on pandemic-fueled boom in e-commerce growth.

The main reason for the layoffs was rapid hiring to accommodate increased ecommerce shopping trends.

Basically, Shopify was betting on that the rapid Covid-era lock downs would increase in ecommerce shopping would continue as a trend, hastening a greater adoption of online shopping.

That didn’t happen…At least not for Shopify.

 

What is Shopify?

Based in Ottawa, Canada, Shopify is an e-commerce service that allows merchants to quickly build and customize websites for selling products online. In addition to plan fees, Shopify makes its money in part by taking a percentage of customer transactions. In short, they are a platform that enables users to create drop shipping sites.

 

WATCH:

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Best Practices Culture Economics Growth Health and Wellness News and Politics Taxes Technology

WATCH: Will Electric Cars Save the Planet? Or Just Propaganda?

In a recent episode Valutainment’s Patrick Bet-David breaks down the myths surrounding the electric vehicle debate.

Which is timely considering Biden just announced that by 2030 50% of American cars need to be electric or EV’s.

WATCH:

 

But it’s obviously a  little bit more complicated than that.

Here’s why…

Patrick Bet David Breaks Down the Argument For & Against Having EV’s:

In a recent post the Valutainment team investigates and breaks down the argument for and against the environmental impact of the electric vehicle industry. Patrick breaks down;

  • Which industry will benefit the most from EVPS?
  • Who is hurt by EVs?
  • Are EV’s the new Diesel Scandal?

WATCH:

What is Valuetainment?

Valutainment is an entrepreneur channel created by Serial Entrepreneur, Patrick Bet-David. Valuetainment is referred to as the best channel for entrepreneurs with weekly How To’s, Motivation and interviews with unique individuals. About PBD: During the Iranian Revolution of 1978, Patrick’s family had to escape to survive and ended up living at a refugee camp in Erlangen, Germany. At 12 years old Patrick found himself collecting cans & beer bottles to raise money that could help his family and get him a Nintendo.
Thinking of buying an electric vehicle? Read this first…
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Best Practices Entrepreneurship Human Resources Industries Management News and Politics Personal Development Technology

Amazon Prepares to Launch Delivery Drones. Again…

13 years after Jeff Bezos promised the world drone delivery, it appears they might be making good on that promise soon. The company is planning to roll out its first city this year.

Which feels like something out of a sci fi movie. While it still seems logistically impossible for drones delivery to actually work, I wouldn’t bet against Bezos’ ability to pull it off…

If you haven’t heard of their drone delivery network yet, it’s called Prime Air.

So what the hell is Prime Air exactly?

 

What is Prime Air Anyway?

Prime Air, is a drone delivery service currently in development by Amazon that will deploy delivery drones to autonomously fly individual packages to customers within 30 minutes of ordering.

In order to qualify for 30-minute delivery, your order must be less than 5 lbs. The products also have to be small enough to fit in the cargo box that the aircraft will carry… and have an Amazon delivery location within a 10-mile radius of a participating Amazon fulfillment center.

 

Is This Actually Happening?

In late 2020 Amazon, along with Zipline, Wingcopter and 7 others were selected by FAA to participate in a type certification program for delivery drones. Operations are expected to begin in the town of Lockeford, California later in 2022.

After years of testing and delays, the company is finally set to launch. At least for products 5 pounds or less…

Watch this video to learn more.

 

WATCH:

 

How will Prime Air Actually Work Though?

When a customer places an order eligible for Prime Air, they’ll receive an estimated arrival time and status tracker for their package.

The drone uses a sense-and-avoid system to safely fly packages while also dodging obstacles such as other objects and aircraft.

“As our drone descends to deliver the package into a customer’s backyard, the drone ensures that there’s a small area around the delivery location that’s clear of any people, animals, or other obstacles,” said an Amazon representative.

Once it gets low enough, the drone will release the package and just fly off.

Is Anyone Else Doing Drone Delivery?

Walmart said their drone network could reach up to 4 million households in six states: Arizona, Arkansas, Florida, Texas, Utah and Virginia. Items including Tylenol, diapers and hot dog buns could be delivered in as little as 30 minutes…

Similarly, drone company Wing, owned by Google parent company Alphabet, announced in April plans to launch a commercial drone delivery service in Dallas. Walgreens is among the retailers partnering with Wing to offer items delivered by drone.

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Best Practices Biography and History Culture Entrepreneurship Industries Investing Management Marketing Mergers & Acquisition Negotiations News and Politics Technology

The Ukrainian Immigrant Who Sold WhatsApp to Facebook for $19.3B

Jan Koum is a Ukrainian-American billionaire businessman and computer engineer. He’s the co-founder and former CEO of WhatsApp, a mobile messaging app that was acquired by Facebook in 2014 for an absolutely mind boggling $19.3 billion.

Facebook paid $12 billion in stock and the rest in cash. What’s even more badass than the exit was the fact that Koum arranged for the $19 billion deal to be signed at the same welfare center he used to collect his welfare checks in his teens. Only this time, he drove there in his Porsche.

Jan moved to California from Ukraine when he was 16. As a young immigrant, Koum and his mother had to rely on food stamps. Koum became interested in programming and eventually landed a job at Yahoo! Where he worked for 9 years.

Then in January 2009, Koum bought an iPhone and realized that the then seven-month-old App Store was about to spawn a whole new industry for app creators.

WhatsApp was initially unpopular, but it quickly became one of the fastest growing apps on the market.  WhatsApp allows user to send messages, images, audio or video at a cost significantly less than texting.

The app gained a large user base. So large Facebook was monitoring the app for years obsessively. They were paranoid WhatsApp could eventually be a Facebook killer.

WATCH: