Archive for Money & Personal Finance
An irrepressible entrepreneur, Maria Marsala entered the business world at age 14, landed on Wall Street at age 17, and shattered the glass ceiling at age 21. Fiercely determined and keenly insightful, she became a bond trader when female executives were as rare as pink diamonds. Maria spent the next 20 years streamlining corporate operations, generating profits, and dispensing valuable advice. Her gifts as a mentor transformed secretaries into traders.
In 1998, brimming with over 25 years of business experience, Maria founded Elevating Your Business, a business growth and systems company that helps high-achieving CEOs, presidents, and executives attract higher-end clients. She pioneered the “Business Checkup Assessment”, a simple process used to determine the “stuck” areas of a business as well as the areas that deserve a “hurrah!” Maria customizes solutions for each client’s unique obstacles, helping them realize a business and lifestyle they only imagined. After many requests to share her insights about what small business owners can learn from big business, she created the “Corporate Secrets Marketing™” program. Her concepts have been quoted regularly in prestigious media outlets including: Money Magazine, Jim Cramer’s “The Street”, Women’s Day Magazine, Market Watch, Advisor Max, and The Bottom Line. Her strategies are mentioned in several books including: “Six Steps to Free Publicity” by Marcia Yudkin, “Streetwise Small Business Book of Lists” edited by Gene Marks, “The Woman’s Advantage Calendar”, and “Find Your Inner Betty” by Tanner Stransky.
James Goi, Jr. is a speaker, mind-power coach, and the author of How to Attract Money Using Mind Power. His book is a serious work in which he quotes 160 other books. It’s available world wide through Ingram Book Company, and is also available on the Indian Subcontinent through Indra Publishing House, India. The next two foreign editions which will be published will be in Italian and Arabic. James has published the free monthly “Mind Power & Money Ezine” since January, 2008.
Cancer Survivor Helps to Eliminate Embarrassment by Helping Other Cancer Patients
Christy Borgeld said “Never giving up and pushing forward will unlock all the potential we are capable of.” And that is exactly what Brenda did. Despite having cancer and undergoing chemo, she pressed forward. She hated and was embarrassed by the treatment gowns and did something about it…she made her own! Now, she makes them for other cancer patients called Hug Wraps.
Brenda Jones felt as if her world had ended when she was diagnosed with breast cancer back in October 2008. Being forced to put on a drab, generic, embarrassing traditional hospital gown every time she went in for treatment only made the experience worse. So with a flash of inspiration — and a crash-course in sewing — she decided to do something about it. Much to her surprise, the kimono-style wrap she designed to give herself some dignity in the waiting room started garnering requests from other patients. Today? She’s not only recovered, but she can hardly keep up with the demand for her homemade Hug Wraps from cancer patients all over the world.
Professional coach, motivational speaker, award-winning author and president of Stockdale Resource Group, 360Reach Certified Analyst Denny Stockdale works to help people reconnect with lost dreams, achieve work-life balance and discover their own unique callings through highly personalized one-on-one career and life coaching as well as group workshops.
Forget “one-size-fits-all” self-help programs. The Flow is totally different.
In fact, The Flow is like having a life, success, and wellness coach working with just you – helping you to get the life you desire.
Listen in as Tara Meyer-Robson shares with Living Fully After 40 Radio host Anna D Banks, one of the most extraordinary mind-body-life programs that has ever been written.
With The Flow you can:
Robert Siciliano is McAfee’s security consultant, as well as an American television news correspondent, security analyst, and author of “The Safety Minute: How to take control of your personal security and prevent fraud”. Featured on the The Today Show, CBS Early Show, CNN, MSNBC, FOX, CNBC, Inside Edition, EXTRA, Tyra Banks, Stern, and in USA Today, Forbes, Tech Republic, SC, CSO, Search Security, Tech News World, EWeek, SecurityInfoWatch, NY Times, Boston Globe, LA Times, Wash Post, Chicago Tribune, AP, UPI, Reuters, and Entrepreneur. He is a security consultant for McAfee (www.McAfee.com) as well as the founder of IDTheftSecurity.com.
You’ve Earned Your Money Now Here’s How to Keep It!
“It’s easy for anyone to believe the government protects it’s citizens’ rights. But the truth is, in matters of taxes, once the IRS gets its hands on your money, you can kiss that money goodbye. You must act before that event takes place. At the end of the day, it’s what your and your family get to keep that counts.” ~ Rick Rodgers, CFP
Tax efficient investing has always been important. It will become even more important if the Bush tax cuts come to an end on December 31, 2010. The top 2% of income earners with total family income above $250,000 will be hit especially hard. Some call it the largest tax increase in history.
Join us, Monday, December 2, 2010 as Lee Pelko, CFP from the firm Rodgers and Associates, shares Living Fully After 40 Radio,
some suggestions to consider to
prepare for 2011.
Jean Newell is the author of “How to Turn Your Pink Slip into a Red Hot Business” as well as a successful entrepreneur/inventor.
Jean has effectively self-marketed her products to online stores, gift catalogs, retail chains and QVC. She is a speaker and trainer with the Women’s Business Centers and the Florida Small Business Development Center as well as a mentor with NASA’s entrepreneurial training program.
The 78 million-strong population of Baby Boomers currently represents as much as 40% of the American workforce. All, or most of these boomers are unlikely to look at complete retirement at the age of 65 and as many as seven in ten of the boomers who are eligible for retirement actually plan to work far past age of retirement or never retire at all. However, the Bureau of Labor Statistics says, that the total rate of growth of the workforce is on the decline. It will go from 12%, which is the current growth rate, to a mere 4% in the decade leading to 2020. In the very near future, employers will find that it has become crucial to hire, and keep mature workers happy within the organizations and the workforce.
However, it would astound the prospective employee to know that in spite of all this highly publicized research and the available statistics, 80% of companies have failed to make any changes in the organizational structure or work atmosphere to make special provisions available for older workers. This state of affairs needs to undergo a rapid sea change if these companies want to retain their competitive edge, minimize the impact of the declining workforce growth on their businesses, and if they wish to be seen as employers who are friendly to the increasing number of older workers.
By the same token, the over-50 candidate who is looking for a new job can improve his/her chances of landing the job they want by becoming more knowledgeable about the coming labor shortage, making sure they are the right choice, and demonstrating to prospective employers the fact that they can match and support the evolving needs of the company.
Now, the question is what the mature worker wants and how he/she can achieve these goals over the ten years or so. Some of the goals for a 50 plus worker may be:
1. Financial Stability: This is one of the main reasons that influence the decision of baby boomers to continue working after 60.
• The answer: Mature workers will have to look for jobs that will enable them to cover all their obligations. It is a good idea to speak to colleagues, various professional organizations, and recruiters, and research online about their current market value.
2. Different Employment Packages: Companies will find it necessary to recruit qualified candidates and create new strategies to retain baby boomers. Boomers want flexibility in their work arrangements, more meaningful and satisfying work, better and more comprehensive benefits, as well as opportunities for training and development.
• The answer: Boomers must find out about companies actively showing commitment to an older, more mature workforce through AARP surveys and magazines, newsletters, networking, especially in age-related discussion groups.
3. Age Bias: whether real or perceived, it is seen that hiring managers and even some decision makers have certain preconceptions about older workers.
• The answer: Older candidates ought to interact and work around changes, training, and relationships, and break the stereotypes.
4. Benefits and Pension Plans: Internal Revenue Code regulations prohibit any defined benefit pension plans from making payments or disbursements until employment ends
• The answer: If receiving a pension is important, working for an organization, including their old employer, as a consultant, may be a better idea so that the pension benefits are unaffected.
The labor situation is changing rapidly, and will continue to change in the near future. Keeping themselves informed about these changes and finding ways to better market their accomplishments will enable mature professionals to improve their future career paths.
Prepare Yourself to Stay Happily Married Even After Retirement
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By Anna D. Banks, GCDF
Couples who are in marriages that have lasted through the years experience comfort, security, and a feeling of accomplishment. However, comfort and security can often also lead to married life becoming dull and couples taking each other for granted. Transitioning smoothly into married life after retirement requires planning. Apart from planning for financial sufficiency, couples also need to clarify matters like what expectations they have from each other after retiring, such as doing the household chores. One of the important aspects of adjusting to post-retirement life together is wives appreciating the fact that husbands lend an active hand in the house. Since retirement means that they will be spending more time together, weaknesses and strengths may become more pronounced. Soon after retirement, it is usual for couples to experience a period wherein there will be an increase in friction, which they must overcome to enjoy a fulfilling life together for the rest of their days. Here are a few tips that will help you to stay happily married even after retirement:
Avoid Criticism:
It is often the case, that in a companionship that has lasted long years, partners have a tendency to think that they can make negative or unkind remarks to each other. After years of familiarity, people tend to speak their minds regardless of the feelings of their spouses. However, irrespective of the length of a marriage, being gentle with each other is an essential element for marital harmony and strength. Gentleness includes avoiding criticizing each other, forgiving each other, being self-disciplined rather than finding fault with each other, as well as being kind to each other. You need to have self-control and an ability to be responsible for your own actions in order to give up criticism. Although this may often be difficult, even so, as you stop being critical of each other, you will find understanding and love growing in your marriage.
Being Best Friends:
Just like you ignore traits in your friend that you might find irritating, you need to look beyond your spouse’s flaws, focusing instead on the qualities that endear him/her to you. This includes giving each other love unselfishly and freely, without feeling that you are making a sacrifice. Having fun together, sharing your feelings and thoughts with each other, and laughing together are important to keeping your retirement life together happy and fulfilling.
Respect Each Other:
Respecting each other as individuals is an important aspect. Although long years of co-existing with each other may result in fewer conflicts, husbands and wives still need to acknowledge the differences that they have and respect them. The differences could even make the marriage more fun and interesting, adding a renewed spark to it.
Become Allies:
Long years of togetherness can make it easier to be a team. Although differences may still crop up, they may not seem as threatening with the growth of commitment and love. Partners can now appreciate each others differing strengths and perspectives. They can also pool each others corresponding traits together and achieve goals that they may not have been able to by themselves. Enjoy, build, and value this unity.
© Anna D. Banks, GCDF
ANNA D. BANKS, GCDF is an adjunct professor at Essex County College, career development and marketing coach, speaker, and author. Anna helps individuals design a game plan for an extraordinary career or business. Since 1996, Anna has helped hundreds of job-seekers, managers, business owners, and sales professionals achieve career success. For more information send an email to Anna@AnnaBanks.com.
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Author’s Note:
Do you have any questions about career development or lifestyle changes for Baby Boomers, which you think others, like you, would want to know the answers? Post a question on this website or email your questions to me at Anna@AnnaBanks.com.
