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From
www.inc.com
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May 17, 5:55 PM
It's an exciting time for women. New Hampshire is the first state in the nation to send an entirely female congressional delegation to Washington. And by the way, the governor is a woman, too. Marissa Mayer, though controversial, is making her mark on the corporate world and showing that women can hang with the big boys.
Vilma Bonilla's insight:
"What's it take to raise strong, confident women who will build the Apples, Facebooks, and Amazons of the future? One marketing exec (and mom) weighs in." Delete the scoop?
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Vilma Bonilla's insight:
"Everyone knows education is the path to individual and national prosperity in an era of global competition. Yet US educational attainment, once the envy of the world, has been flagging in recent years—and concerns about the value and efficacy of higher education in particular are making headlines and finding a place on both political parties’ reform agendas. While as recently as 1995 the United States was one of the world leaders in college-graduation rates, the country has since slipped to 12th among industrialized nations.
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From
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May 15, 3:00 PM
Cinematography/Editing/Director: J. Michael Lockhart/AmericanDSLR Short scene inspired by Miami Vice (1984) with a touch of Beverly Hills. Filmed and edited on…
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"In the Air Tonight" Delete the scoop?
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From
www.booher.com
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May 15, 12:07 PM
“I LOVE ice cream.” “No, you don’t,” Mrs. McGowen, my 5th grade English teacher insisted. “You LIKE ice cream. You LOVE people.” Delete the scoop?
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From
www.instyle.com
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May 14, 9:45 PM
How do you make a statement this spring? By taking a cue from Kerry, Blake, and more stars and trying out the most daring fashion trends the season has to offer. From bright leather to mixed prints, we'll show you how to take your wardrobe to the next level.
Vilma Bonilla's insight:
Spring is here, finally and InStyle is an amazing source for inspiration! Click on the image or title above to view the original post and slide show pics. Delete the scoop?
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Vilma Bonilla's insight:
Life is a quite dear reflection. Self development is an ongoing project. Get to work! ♥ ~ V.B. Delete the scoop?
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In honor of Mother’s Day, Donna Karan, Lubov Azria, Lela Rose, Pamella Roland, Rachel Roy, Kelly Wearstler, Rachel Zoe and Rebecca Minkoff share the best advice a parent can give their child.
Donna Karan: Make time for love. “The best advice a mother can give to her child is that love is about time−the time you spend with others, and time you spend taking care of yourself. You need to find the balance and do both,” says Donna Karan, pictured with her daughter Gabby on her wedding day in 2002. (For her special day, Gabby wore a short dress with an added long tulle skirt, made by her mother, of course!)
Lubov Azria: Live your dreams. “Each of my daughters has a unique journey they are embarking on, and I support them wholeheartedly. I always advise them with what I tell myself every day: Work hard, stay focused on your vision, and follow your dreams. Ralph Waldo Emerson once said, ‘Nothing great was ever achieved without enthusiasm,’” says Azria, Chief Creative Officer of BCBGMAXAZRIAGROUP, which includes BCBG and Herve Leger.
This busy business woman is mother to 6 children with husband Max Azria. Above, Lubov (pictured second from left) enjoys some girl time on Malibu Beach with her daughters Anaïs, 16, Agnès, 14, Marine, 21, and Chloé, 18.
Lela Rose: Conquer with kindness. Designer Lela Rose keeps her motherly advice simple and sweet: “Be nice, be nice, be nice.”
The New York-based Texan transplant is pictured with her two children, Grey, 11, and Rosey, 6, and their two Yorkshire terriers, Stitch and Bobbin.
Rachel Roy: You can make a difference. “The best advice I give my girls, which my mother instilled in me, is the importance of giving back to those in need,” shares Rachel Roy, pictured with her two daughters, Tallulah Ruth, 5, and Ava, 13.
Pamella Roland: Easy does it. “As my children have grown, my best advice to mothers of young children would be to not sweat the small stuff−you let go and let your children learn by making their mistakes, and you have to pick your battles,” says Pamella Roland.
During New York Fashion Week, you can always spot her three children, Cole, Sydney and Cassandra, cheering from the front row.
Rebecca Minkoff: Search for excellence. “Find your PASSION and give 100%. It may or may not be easy to find; maybe the search will be painful and long, but you will find it at some point. And the feeling of satisfaction knowing you have given 100% brings tremendous contentment,” says Rebecca Minkoff, photographed with son Luca Shai, who will turn 2 in September.
Rachel Zoe: Do the right thing. “Always be kind, always have manners and always be grateful. Never be greedy, never be jealous and never be cruel,” says Rachel Zoe on the words of wisdom she instills in her son Skyler, 2.
Kelly Wearstler: Be a go-getter. “The best advice I can give my boys is the same advice my mother instilled in me: the only person who can make something happen for you is YOU. Be compassionate, be self-reliant, and love what you do,” shares Kelly Wearstler with her boys Elliott, 9, and Oliver, 10.
On Mother’s Day, remember the women who gave—and lived out—the best life advice for you.
Click on the image or title to view original post containing some very sweet, intimate mommy and me pics.
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Scooped by Vilma Bonilla |
When I was pregnant with my second child, my sweet small dude, Cooper…. I made a promise to myself… not to my husband, not to my best friend, not to my daughter and not to you, or you, or you… but to me… I was really going to make a physical effort to take care of my body, to control my eating and to be strong.
With my first pregnancy, I had been under the mistaken impression that a magical door had opened, allowing me to explore new foods to excess, to give in to the physical exhaustion that accompanied those nine months to the point of sitting still more than I moved and assuming that the baby weight would ‘fall right off’ when my daughter arrived. It didn’t happen.
The changes I witnessed in my body prompted me to decide things would be different next time. Enter Cooper. I ate well. I exercised. I gained half the weight in my second pregnancy that I did in my first. But let me be clear, this was not a gift: this was the result of conscious effort. I worked hard. I felt healthy. I was protecting my baby. I was taking care of my body.
But more often than not, someone would say, ‘Must be nice to be so tiny.”, “I can’t believe you are even 7 months.” , “Are you sure you are eating enough to take care of that baby?”, “Oh my gosh, I looked like you when I was 3 months!”, “You must just have good genes”.
And I would find myself apologizing.
“I’m sorry…. I just wanted it to be different this time.”
“I’m sorry…. I’ve just been…. I just was…. I just did… ”
I was actually apologizing for doing something right and good for me, for my baby.
This was a pattern for me. This apologizing wasn’t reserved for this instance.
Unfortunately, it would take nearly six years for me to recognize that I had a habit of diminishing my personal and professional power each and every day with two little words:
I’m Sorry.
A few months after Cooper was born, I had plans to go out with a few girlfriends. I couldn’t escape a nagging feeling that something was very wrong. But you simply can’t cancel on friends because you ‘have a feeling’, right? I chose to be the designated driver instead, and spent the night on hyper-alert…certain that something was amiss. I apologized constantly for my edginess. I dropped off my last girlfriend…sitting in her driveway for upwards of 5 minutes, contemplating my route home. Calming my nerves, I started the car and began to drive.
I noticed everything. The speed limit. The street signs. The movie theater times.
I even saw her coming. I just couldn’t get out of her way.
I was awake as I spun through the intersection. As I rolled down the embankment. As I hung from my seat belt waiting for the Fire Department to get me out of the car.
I walked away. Apologizing for being out late. For nearly leaving my children motherless. For ignoring ‘that feeling’.
But I resolved I would never again do work that didn’t make me better and stronger and didn’t give me the opportunity to teach my children to be better and stronger.
This was the beginning of the journey to where I am now.
It was while I was on book tour last Fall for Mom, Incorporated, talking to rooms full of women that I had two epiphanies:
Women, like me, say I’m sorry ALL. THE. TIME.
I’m so sorry I missed your call….
I’m sorry I can’t join you for lunch…
I’m sorry, I didn’t have time…
I’m sorry…. I wish I could have been there…
I’m sorry I’m just now getting back to you….
I’m sorry I can only talk for a few minutes…
I’m sorry, we’ve decided that is a family night…
I’m sorry I’m late….
Oh….I’m sorry, were you reaching for that?
I’m so sorry I was in the wrong place at the wrong time….
Start counting. Today. I’d venture you will catch yourself saying I’m sorry 10, 15, 20+ times every day. For little things. For silly things. For things that don’t require an apology.
And every time you do it, you rip a small piece of your personal power away.
For heaven’s sake…. I realized that my own voicemail said, “Hi, it’s Danielle, I’m sorry I can’t take your call right now….”
At that moment, I made a decision. I’m NOT SORRY.
I’m NOT sorry I wasn’t sitting in front of my phone waiting for your call.
I’m NOT sorry I prioritized spending time with my family instead of answering certain emails.
I’m NOT sorry I decided that project wasn’t right for me.
I’m NOT sorry I didn’t return your email within 45 minutes.
I’m NOT sorry I juggle my family life and my work life – I think it makes me stronger.
I’m NOT sorry for the way I choose to parent my children.
I’m NOT sorry I was home with my children for the first few years of their lives.
I’m NOT sorry I work from home.
I’m NOT sorry I travel for work.
And I’m definitely NOT sorry for any success I’m achieving by working hard and making sacrifices.
Make a few small changes in the way you respond to people as you begin your journey of being Unapologetically Strong:
Smile when you respond.
If you don’t want to volunteer at your child’s school for the Fall Festival, don’t say – “Oh, I’m so sorry I can’t do that….”, smile and respond, “Thank you for asking, I’m going to enjoy the event with my children and volunteer in the classroom in the Spring instead.”
Change your words, change your tone:
If an email has escaped notice for a week: Instead of…. “I’m so sorry I’m just now getting back to you….” type, “Thank you so much for your email… I’m excited about the opportunity for us to work together/connect/talk about this project….” The entire tone of your note changes.
I’ve stopped apologizing for who I am, for the work I do, for the time I choose to spend on my work or with my family, for the way I love and parent my children, or for the positive outlook I have on life. I’m not sorry for the way my worldview is evolving as I get older. I’m not sorry that I am getting older or that I have to work harder to take care of myself. And I’m also not sorry that I sometimes give myself a break.
As I have removed the apologies I DON’T mean from my vocabulary, the ones I need to own have become that much more valuable. I am constantly asking myself, “Am I TRULY sorry?”. If the answer is, ‘yes’, I can look someone in the eye and embrace those words and what they mean. That is important.
I’m grateful that I am surrounded by people who understand the ‘Unapologetically Strong’ in me. And I’m proud to be joining the Degree Women campaign encouraging other women to celebrate ‘Unapologetically Strong’ as well. You may or may not know that I used to be a TV reporter, so I can easily admit to being a huge fan of Sports Broadcaster Erin Andrews who has teamed up with Degree Women to head up the campaign. You can see her story below...
Love this campaign for women!
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Scooped by Vilma Bonilla |
What was your last important decision? Was it a good one? How did you come to the decision? Will that same process work again? Will it work for an even more difficult decision?
These are the kinds of questions Chip and Dan Heath (Switch, Made to Stick) take on in their new book Decisive: How to Make Better Decisions in Life and Work. They expose what’s wrong with the decision-making process, reveal why our brains are hardwired to make "foolish" decisions and offer different tips and techniques for making better decisions.
Why Do We Make Bad Decisions?
The first problem when it comes to the decision-making process is that most of us who try to make careful decisions put all our efforts into analyzing the options, instead of improving how we arrive at decisions. The typical “pros vs. cons” approach, the “either or” approach and the “whether or not” approach distort the full range of options available and lead to poor decisions.
Another contributor to poor decision-making is that we base our decision on what we want to be true instead of what is true. We select evidence based on preexisting beliefs, and in doing so we miss many available options because we're only looking at the option right in front of us. All this, according to the authors, can lead us to make the wrong decision.
To help make their case about how and why so many decisions are 'bad," the authors share some rather entertaining data:
* Over 60,000 tattoos were reversed in the U.S. in 2009.
* Business and government leaders are less likely to consider multiple options than teenagers.
* Merger activity is heating up again, but 80 percent of mergers fail.
* 44 percent of lawyers wouldn’t recommend their career choice to a young person.
* Green Bay Quarterback Brett Favre retired, then unretired, then retired.
* A simple thought experiment helped Andy Grove decide that Intel should get out of the memory chip business and invest everything in microprocessors: “If we got kicked out and the board brought in a new CEO, what do you think he would do?” (A similar thought experiment makes many personal dilemmas suddenly transparent, because it removes the emotional element.)
* Former GM CEO Alfred Sloan disallowed any decision that was reached with 100 percent consensus.
The authors then go on to show how we can overcome our cognitive biases by using techniques mastered by the best decision makers, including judges, politicians, designers, branding experts and military and business leaders.
How to Make the Right Decision
To improve rational decision-making ability we need to do four things:
1. Widen our options
2. Reality-test our assumptions
3. Attain some distance
4. Prepare to be wrong
So, how do we go about applying these four elements into our decision making? In the book, the authors introduce a variety of decision-making strategies and techniques that can help. Here are a few worth trying:
* The Vanishing Options Test asks you to imagine that your current options have all disappeared, and answer the question: What else would you do?
* Multitracking is a technique where you consider more than one option simultaneously.
* A Premortem lets you consider how a decision might fail, and analyze what you would do now to minimize the harm.
* In the Tripwires method, you set a trigger in advance to jolt you out of your routine and alert you that it’s time to reconsider a decision or make a new one.
* With Zoom In, Zoom Out your goal is to gather the best information, and in doing so you get both a close-up and an outside view of the situation.
* With Laddering Up you find a novel alternative by scaling a ladder that takes you from local analogies (what’s working right now?) to distant (who else has solved our problem?).
* The Best Friend Test hinges on the fact that many people find it easier to make a choice when they imagine themselves advising their best friend who is in the same situation.
None of these tests and tips are new. Most of them are tried-and-true techniques used by strategy firms and design studios. That doesn't make them any less valuable and useful, and having them all in one place is rather handy.
In the end, Decisive makes decision-making simple—or at least simpler.
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At a recent conference devoted to travel and credit card rewards, executives from Chase, Barclaycard, US Bank, Capital One and American Express were on hand to share their views on the future of credit cards — and there was a broad consensus on where the industry is going in the next few years.
Here are four of the biggest credit card trends on the horizon that emerged from the discussion:
1. Banks are leveraging Big Data. When you think about it, credit card issuers don’t just collect money, they also collect massive amounts of data. They know who you are, how much money you make, and where you spend it. The next step is for them to provide offers that are directly relevant to customers. Think of the way that your grocery store uses a loyalty program to track your spending and offer you coupons at checkout, but then imagine that model extended across multiple merchants. That is what is implied by Big Data.
[Related Article: The First Thing to Do Before Applying for a Credit Card]
2. Card issuers will capitalize on mobile devices. Closely tied to their push to capitalize on their data, banks see a future where they can present these offers to their customers in real time. By combining location information and spending data, banks can present customers offers that they can act on when away from their computers. The question then becomes, will cardholders value these offers, or find them to be a nuisance? Banks are betting that the more relevant they are, the less of an issue they will be.
Banks also hope to offer cardholders not just deals and offers, but valuable information to help them manage their spending. In a follow-up interview I had with Shane Holdaway, Managing Vice President of US Cards for Capital One, he described a future where his bank would offer information to consumers about how they spend, and how to spend smarter. In his vision, your credit card becomes a budgeting tool rather than just a method of payment and finance.
3. Banks will offer more products to the unbanked and underbanked. Do you know any adult who does not have a bank account? The FDIC Household Survey concluded that 8.2% of U.S. households are unbanked (meaning they don’t have a checking or savings account), and more than 20% are underbanked (meaning they have a checking or savings account, but use non-bank means of credit, like payday loans) — and those numbers are growing. Sonali Chakravorti, Vice President of Membership Benefits for American Express, stated that in partnering with Walmart on the BlueBird prepaid card, American Express was looking at the next generation of customers who don’t even want a bank account. While it remains to be seen, the next generation might find bank accounts as relevant as land lines, compact discs, and print publications.
4. Expect less junk mail, but more social media marketing. Matthew Massaua, Senior Director US Card for Barclaycard, made the point that credit card marketing is changing to meet the times. According to Massaua, social media marketing of credit cards is growing while direct mail marketing is starting to decline. In fact, Barclaycard has lead the way in integrating social media with its credit card products by introducing its innovative Ring card .
David Gold, General Manger of Partnerships for Chase Card Services, highlighted the importance of new media to the credit card industry. In fact, he noted that he wakes up every day worried about what will be written online about his products by bloggers who focus on how many cents they can get out of of each point. Others on the panel also admitted following blogs and other online outlets closely. So when you read a site like this, you can be sure that the banks are listening, too.
The industry will undergo an evolution, not a revolution
Change is coming, but it won’t be overwhelming. When asked about the pace of change in the industry during the next two years, four of the five panelists characterized the industry as going through more of an evolution than a revolution. Only Bob Daly, Senior Vice President of US Bank, would hint at some major change his bank could introduce within the next two years. Whether he was trying to out-psych his competitors, or he has something extraordinary up his sleeve, only time will tell!
It was interesting, and educational, to hear credit card industry executives share their thoughts on the future. By understanding where credit cards are going, you won’t be surprised when you get there.
At a recent conference devoted to travel and credit card rewards, here's what emerged on what the future will bring to credit cards.
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Hallelujah originally by Leonard Cohen "Now I've heard there was a secret chord That David played, and it pleased the Lord But you don't really care for musi...
On a Leonard Cohen kick! I love this version. ~ V.B.
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Scooped by Vilma Bonilla |
NEW YORK (TheStreet) -- As the one-year anniversary of Facebook's (FB_) blockbuster initial public offering looms, lead underwriter Morgan Stanley (MS_) has yet to prove the botched offering has not hurt it's leading position in tech sector equity underwriting.
Twitter's unannounced but much anticipated initial public offering will prove whether or not Facebook's scandal-ridden offering, the third largest in U.S. history, has made a dent in the Morgan Stanley's ability to win the biggest deals coming out of Silicon Valley.
Morgan Stanley priced Facebook's May 18, 2012 IPO at $38 a share, in a deal that raised $16 billion for the social network and valued the company at over $100 billion.
Facebook has not traded above $38 a share since the IPO, and shares in the company remain about 30% below their listing price. Facebook opened Wednesday trading at $27.07, an increase of over 50% from share price lows below $18 in early September.
Shares in Morgan Stanley, by contrast, have gained over 70% to $24.70 since May 18.
Had Facebook's offering been priced correctly and with a manageable size for investors to handle, "Twitter would have come out by now," says Scott Sweet, a senior managing director at IPO Boutique.
"It would be wise for Twitter or another fledgling social network to choose another lead left book runner to lead their offering," Sweet says when discusing Morgan Stanley's management of the Facebook offering. "They made serious mistakes," he adds, while noting firms should still include Morgan Stanley on offerings because of their tech wherewithal.
Morgan Stanley, a powerhouse in tech sector IPO's after leading offerings for Google (GOOG_), Salesforce.com (CRM_) and LinkedIn (LNKD_), pulled a gigantic coup in winning Facebook's IPO.
The question is whether disappointed investors, lawsuits and regulatory settlements prove the Facebook deal to be a pyrrhic victory.
Morgan Stanley remains a force in tech sector equity underwriting. It won the lead mandate to underwrite Workday's (WDAY_) $732.55 million offering, the largest tech listing since Facebook.
According to Dealogic data, Morgan Stanley ended 2012 with the top market share in running global IPOs, bolstered by Facebook's offering. Overall, the firm earned nearly $1 billion in revenue from running equity underwriting, the data shows.
Still, signs of cracks may be showing.
Morgan Stanley won't be leading CDW's $500 million offering expected in 2013. The investment bank is also splitting lead work with Goldman Sachs (GS_) on Tableau Software's upcoming listing. It also isn't a lead underwriter of Marketo's IPO.
Both firms specialize in software services and the enterprise software market, a specialty of Morgan Stanley's. "Morgan owned that space last year," says Sweet.
In the first quarter of 2013, Morgan Stanley placed far behind competitors Goldman Sachs and a nascent Barclays (BCS_) in running U.S. based IPOs amid a sharp rise in listings of real estate investment trusts, healthcare businesses and carve outs from conglomerates as big as Pfizer (PFE_).
I can't believe it's been almost a year since the Facebook IPO and my work with Morgan Stanley. I flew to Manhattan New York, Miami Florida, San Diego California, Honolulu Hawaii, Seattle, Coeur d'Alene Idaho, Pennsylvania, and Anchorage Alaska for this awesome global investment bank client. It was a grand experience!
Here's what 2012 looked like for me in pics: https://www.facebook.com/media/set/?set=a.10151858736290078.883065.644515077&type=1&l=54c2b515e4
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Vimeo is the home for high-quality videos and the people who love them.
Beautiful voice. Beautiful song.
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In my last post I talked about recognizing small accomplishments, and celebrating your wins, however small. This is one sure way to increase your motivation towards your goals.
How else can we internalize these wins to supercharge our self-esteem and motivation?
According to a Study published in American Psychologist in2000 by Richard Ryan and Edward Deci, there are three factors that help people be intrinsically proactive and engaged:
* Relatedness– The need to belong, and feel connected to others
* Competence– People are more likely to adopt activities that they, and relevant social groups value.
* Autonomy– Crucial for people to internalize their wins, and feel motivated from within – Accepting it and Owning it by finding it valuable; interesting; and in line with goals (vision).
Relatedness
We need to surround ourselves with people who acknowledge our strengths and feelings, share our unique interests/goals, and support us in our pursuits. When we provide these gifts to others it gives them something they can relate to, gives them the opportunity for self-directedness, and in turn increases their intrinsic motivation.
If a Parent, Teacher, Group Facilitator, Employer, etcetera uses threats; deadlines; directives; pressured evaluations; and imposed goals, this will decrease intrinsic motivation and lead to a decreased sense of well-being and empowerment.
Don’t you dare, for one more second, surround yourself with people who are not aware of the greatness that you are. ~Jo Blackwell-Preston
Competence
Activities that include Novelty; Challenge; and Aesthetic Value (likeability) will increase competence.
Questions to ask are:
Why is this important to you?;
What does this mean to you?; and
How do the rules and “shoulds” relate to you? (in terms of values, goals, needs, interests/enjoyment; and other benefits).
When people can relate activities, tasks, and challenges to their core values and needs, interests/enjoyment, and other benefits unique to them, this will increase their motivation to be successful. Basing outcomes on extrinsic rewards just isn’t inherently rewarding, and desire to get things done will be lacking.
In order to do this, you will need to (for yourself or others):
* Have clear, detailed vision and goals (ie: where do you want to be in 5-10 years (or even one year from now?);
* Identify strengths to leverage them: Check out Strength Finder to identify your top strengths;
* Identify your core values/needs, and what you love to do, then relate how rules and “shoulds” relate to these needs/values and things you love to do. You can also use these core values in decision-making on your next steps to success!
Autonomy
What is important here is that people are doing things for their own reasons, and not just because they “should”, or that someone told them to; and that someone is telling them to. This is closely related to competence, so doing the exercises above, or working with a Coach for clarity will be important.
You can also:
* Write three good things that happened in your life/last week, and what you did to cause them to happen;
* What makes you feel good about yourself and builds your self-esteem? Turn these in to affirmations, and a reminder for positive sources of energy and inspiration when you need a boost;
* Dove has a great exercise in their self-esteem workshop guide called The Promise Card. What you do is write: “From today …/…/…. I am going to make a difference to my life and to the lives of others by making this promise: ______________________________________”. Then you write: “Here is how I will keep this promise: _________________________”. Next write: “I will ask __________________ to support me in keeping my promise”. Make sure you tie this promise to your values; needs; interests; goals; and benefits to you, and Voila! You have concrete action steps to get excited and motivated about!
* Do things you want to do, despite any fears that are related to your vision, values, and goals. Also do new things that expand your interests and sense of accomplishments.
* Again, what are you going to do to give yourself credit for your “wins” along the way? Celebrate!!…and not just the “small” accomplishments.
Peace and Love on your journey!
Self esteem is something that we all wrestle with from time to time. I believe self-esteem comes from knowing who you are and feeling good about it. The most challenging aspect of self-esteem is feeling "good" about who we are. Not just being able to talk about our challenges but really feeling comfortable and good living our truth.
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One of my fave websites. ~ V.B.
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Planning a getaway with your kids? Motor vehicle crashes are the leading cause of death and injury for all children. Protect your most precious cargo by following these easy travel tips from AAA:
Traveling by Car?
* Involve your children early on when planning a road trip, which will help keep their interest during the trip. Show them your route on a map and let them help decide places to stop including landmarks, hotels, and restaurants.
* During your trip, give your children a map so they can see where you are and how far you have until you reach your destination. This will help with the “are we there yet” question.
* Keep children interested and involved in your road trip with a ready selection of cards, maps, family games, sing-along CDs and activity books — especially ones with references to your destination. This will help keep them occupied and create more interaction among family members.
* As everyone knows, children can be a distraction in the car. If there is another adult passenger, it is best to let them handle most of the interactions with the children.
* When choosing activities for children in vehicle it is important to remember that loose items in the car can be thrown or become missiles in the event of a crash or sudden stop. Be sure to secure loose items including DVD players, laptops, iPads, purses, CDs, umbrellas, holiday gifts, etc. in either the trunk, in a console or under a cargo net. Only provide children with soft toys and games to play with in the car.
* There are lots of helpful websites for parents with downloadable coloring pages, games, etc. such as www.SafeSeats4Kids.aaa.com.
* Get proper rest. Set aside time to pack your clothes, load your vehicle and get a full night’s sleep for you and your family so you can all set out fresh and rested. According to the AAA Foundation for Traffic Safety, drowsy drivers are a factor in nearly 17 percent of fatal crashes, with one in ten drivers admitting to falling asleep behind the wheel at least once this past year.
* Buckle up, and make sure all passengers are secured properly with safety belts and age-appropriate child safety seats before you head out on your trip. According to the National Highway Traffic Safety Administration, 3 out of 4 safety seats are not installed correctly. Contact your local AAA club to have a licensed child passenger safety technician inspect your child’s safety seat for proper installation.
* If you are unsure about the child passenger safety laws in either your state or those that you will be travelling through, visit DrivingLaws.AAA.com. It is important to remember that laws often provide the minimum protection; for maximum protection you should follow best practice recommendations. To view these and learn other helpful tips, visit www.AAA.com/CarSeat.
* Try to do most of your traveling during daylight hours, when visibility is best. If you find yourself driving into the glare of a rising or setting sun, consider taking a break until lighting conditions improve.
* When traveling by RV, make sure passengers buckle up in approved seating locations.
* Driving in the Winter? View these safety tips.
Traveling by Air?
* If flying, bring your car seats with you. You will need to check the label of your car seat to see if it is certified for use on aircraft and has met the FAA inversion test criteria. If it is approved for use on an aircraft, you can secure your child and help protect them from unexpected turbulence.
* Car and booster seats can be checked for free when traveling. Bringing your own car seats with you helps make sure you are familiar with how to use the seats and you know they are safe and clean to use.
* If you are not able to bring your car seat with you, you may rent one from a car rental agency. Through a partnership with Hertz, AAA members receive the free us of one car seat with every rental. For more information about using your car seat on an airplane, you can access the FAA’s website.
* Booster seats may not be used on an airplane because they require a lap/shoulder belt, so it is a good idea to check it when traveling.
* If traveling internationally with your children, be sure to bring all birth certificates, passports and documentation with you. Single parents traveling with children should bring a letter signed by the other parent giving permission for travel listing dates, location and names of those in the travel party. For more information on children traveling alone, view these tips (http://exchange.aaa.com/safety/child-safety/children%E2%80%99s-travel-tips/)
Travel tips from AAA for children traveling solo or with a single parent.
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Scooped by Vilma Bonilla |
Intimate personal relationships are no doubt among the most precious as well as one of the most puzzling of life's experiences. Perhaps the reason for this state of affairs is that many people approach relationships from a perspective that will never take them where they'd like to go.
Why? Because they start from the notion that everything would be so much better if only you would change. Not only that, but you should change in ways that I, your partner, prescribe.
Come on -- admit it! Isn't this something you do at least every now and then?
No doubt this is the greatest relationship myth in recorded history.
Well, if "only you would change, etc.," is a myth, how does anyone ever arrive at a truly happy ending, namely a deeply loving and fulfilling relationship?
Are you willing to consider the possibility that trying to fix or change your partner never works? After all, while you may have some degree of influence over your partner's choices, you have absolutely no control over the thoughts, beliefs, feelings and attitudes, which underlie their behavior.
Well then, how about working with the one person you can greatly influence? Right! That would be you!
Over the years, we've developed several keys that we have found work well in building a heart-to-heart relationship. We've tested these keys in our own relationship and we've seen them work for our students as well as couples in our private practice. There are 11 of them we're more than happy to share with you.
They are in no particular order and, they are not meant for you to share with your partner in the hope that they will change. They are meant to empower you to make a positive difference in your relationship. And, you just may find that as you experiment with the following keys, you may experience some lovely shifts.
1. Seek to become a really good heart-centered listener.
You may or may not have ever thought about this, but one of the deepest yearnings of people everywhere, is the longing to be truly heard. Surely, nowhere is this need more keenly experienced than in close personal relationships. One reason friendships often last longer than love affairs and marriages is that friends truly love being together and listening to each other.
It's not difficult to excel at listening once you understand, and are willing to practice, a few essentials. First, and most important, your attitude is what we refer to as seeing the loving essence. It's the essence of the Buddhist greeting Namaste, which essentially means the soul within me recognizes, acknowledges, respects and appreciates the soul within you. Set your intention to see the divine spark in your partner.
Next, listen with the ears of your heart. Listening such as this has as its intention truly hearing and understanding another. Heart-centered listening is not about giving advice. Let go of thinking that you need to solve or fix something for them. Deep listening in and of itself may, in fact, solve more than any advice you can ever give.
Bottom line: Intimacy is a natural by-product of heart-to-heart communication, for when a person feels heard, they feel loved.
2. Share gratitude and heartfelt appreciation.
There is nothing more affirming than regularly sharing with loved ones how much they matter to you and how precious they are. Express your appreciation for who they are and all they do.
The way we practice this skill is by sharing heartfelt appreciations each and every night before we go to sleep. Here's how we do it. Let's say Mary begins by saying, "What I appreciate about myself today is... and what I appreciate about you today is... " Then, it's my turn and I say, "What I appreciate about myself today is... and what I appreciate about you today is... " That's one round. We do three rounds nightly. No distractions allowed unless, of course, our kitty jumps up on the bed to participate.
3. Small kindnesses reap large dividends.
Have you ever considered the return on investment in small every day acts of kindness? Perhaps it's the flowers sent, the special coffee brought home, the thank you phone call. Why? They keep your heart open and are a tangible demonstration of your caring.
These days, more and more people are becoming aware of the importance of looking to see whether someone's words and actions match. Saying you care is one thing. Demonstrating your caring is another. Action is where to look for integrity and real value. By paying attention to the little things, you are building a relationship fortune that will pay dividends for years to come.
4. Keep your agreements.
Perhaps the single most important ingredient for a heart-to-heart relationship is the quality of trust. Over the years, we've seen more relationships come apart due to a breach of trust than any other single thing. How does this happen? Think about it. If someone says they will do something and then doesn't honor their word, what happens inside of you? Will you more or less likely to trust them to keep their word if and when there is a next time? Less -- of course!
Now, let's raise the stakes. It's one thing to trust someone to keep their agreement with you about something they have said they will do. It's a whole other thing to "entrust" your heart into someone's safe harbor only to discover that it's not so safe after all. When that happens, deep bonds of trust are broken and it can take years to reweave the fabric of the relationship -- if in fact you ever truly can.
Good grief! We just realized that we've come to the end of our allotted space and only covered four keys. That means there are seven remaining. Sorry about that.
Here's an idea. If you comment, we'll take that to mean you are finding value in this information and we'll continue with the remaining seven keys next week.
Blessings,
Ron and Mary
For the past 31 years, Drs. Ron and Mary Hulnick have been facilitating a two-year masters degree program in spiritual Psychology at the University of Santa Monica. They are both licensed therapists and authors of "Loyalty To Your Soul: The Heart of Spiritual Psychology." In January, they will be celebrating their 33rd wedding anniversary.
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Scooped by Vilma Bonilla |
They’ve been called egotistic, impatient and self-entitled -- and they have a notoriously bad reputation when it comes to saving -- but advisors want them.
While Generation Y controls a mere fraction of the country’s total net worth, its members are widely considered the future of financial planning. As a result, advisors are paying particular attention these young adults.
“They may not have much now, but you’re going to see a transfer of wealth,” says Jim Dario, managing director of product management at TD Ameritrade Institutional. “It’s going to move from $2 trillion today to $28 trillion in eight years.”
To capture some of that growing wealth, advisors from around the country are beginning to reshape their practices to accommodate and attract this rising generation.
BEHAVIORAL FINANCE
“When working with Gen Y clients specifically, you need to approach it from a financial standpoint and a behavioral one,” says Pirnack. “The financials give the numbers and tell the story of where a client needs to be, but you also need to build behaviors that are to their financial advantage.”
Pirnack divides his clients into two categories: “utilitarians,” who know how to use money in a productive way, and a group he calls “Pataguccis,”after the designer brands -- clients who are harder to work with because of their expensive spending habits.
“The utilitarians are easy, because they are better at storing away their money,” says Pirnack. “But for Pataguccis, retirement is not even on their minds, and they don’t respect money and tend to squander it.”
That’s actually a fairly common Gen Y attitude. A recent survey found that 31% of Gen Y doesn’t prioritize retirement savings. In fact, 41% of the 720 respondents between the age of 20 and 31 said their top reason for saving was for vacation and travel, according to LIMRA, a research, consulting and professional development organization.
But it’s not a helpful attitude for advisors trying to help young clients build wealth. “It’s not that they don’t care about their future,” says Pirnack. “For the Pataguccis, lifestyle is their No. 1 concern. They won’t mind spending their money on trips every few months, and are less inclined to save for the longer term.”
DEVELOPING SAVING HABITS
Pirnack says he nudges clients toward more responsible financial behavior by meticulously combing through their cash flow.
“If you have someone who loves drinking coffee every day, you don’t want to cut that out,” says Pirnack. “Try to figure out which areas they are spending on that they enjoy the least, and cut from there -- so that they can save for their daily lifestyle and the future.”
That means less focus on investment returns, and more on helping a client form good financial habits.
“The extra return I might get on their net assets is so low that it’s not worth it when compared to changing their behaviors,” says Pirnack. “If I change their behavior now and get them to save to spend, they are more likely to realize better real life returns on the behavioral change than the market will be able to earn for them.”
SELECTIVITY
Other firms don’t even bother with the big spenders, prescreening potential Gen Y clients for financial smarts. “We’re looking for good savers,” says Jamie Malone, financial strategist at Joyce Payne Partners in Richmond, Va. “It’s something that Gen Y needs to understand, so that we have a good fit on both sides.”
Joyce Payne builds its books with clients who tend to be financially prudent and are willing to develop a long-term view, its advisors say.
“Gen Y clients often don’t appreciate how long their time horizon is on the investment side,” says founder Michael Joyce. “Their risk tolerance is colored by what the market has done in the last several years.”
Joyce says he has hired a team of younger advisors to handle their Gen Y counterparts -- but he balks at the idea of changing the firm’s fundamental approach.
“We may make certain changes to serve our clientele well, but we’re not going to change our business based on where the money is,” Joyce says. “We’re making sure that we stick with our knitting, be good at what we do and segment the clients that we want within Gen Y.”
SPECIAL SERVICES
Other advisors take a separate tack, offering different kinds of service offerings to younger clients than to their older counterparts. Ted Jenkins, co-founder of oXYGen Financial in Alpharetta, Ga., believes advisors need to recognize that Gen Y clients have more information and less time than ever before, and adapt to it.
“The more things you can get done for clients, the more valuable you become to them,” he says. “They’re more demanding upfront because they have more information upfront, and so they expect a lot of value out of their time and money.”
For Jenkins, that means offering many targeted services -- from taxes and business solutions to insurance and personal lifestyle -- under one umbrella. The goal, as he puts it, is to act as a client’s “private CFO.”
In Dallas, United Capital managing director Brandon Moss takes a similar approach. Along with financial advice, advisors on his team can expect to provide a variety of concierge services -- from hiring nannies to helping a client arrange weekend plans. “It's a completely different paradigm for these younger clients -- the issues are different,” says Moss. “It's moving from job to job and even having multiple income streams. It's getting a nanny versus daycare. It's paying for private elementary school while still taking a really awesome family vacation.”
STYLE UPDATE
Clients pay for these services with either hourly fees or a monthly retainer, Moss says. United Capital’s Dallas office also tries to appeal to younger sensibilities with a nontraditional look and experience.
Moss’s team eschews mahogany desks for glass tables in a bright, colorful workplace that suggests a technology firm rather than a traditional planning practice. In meetings with advisors, clients are equipped with large monitors or touch-screen devices that let them follow their advisors’ online actions, as well as manipulate their plans themselves -- all in the name of making the planning process more interactive.
If the clients prefer, they can also opt to conduct meetings via Skype or gotomeeting.com, says Moss.
“They are used to working in fun, interactive and transparent environments -- why should our process be any different?” asks Moss. “They’re much more engaged and emotionally connected than before, and [the client relationship] becomes more than management of money.”
CHALLENGES & PAYOFFS
The big challenge for advisors, of course, is how to get a short-term payoff while building a long-term relationship, since most Gen Y clients don’t yet have the assets to generate a substantial AUM fee.
Some advisors are recalibrating the way they charge, introducing monthly retainer fees or a premium for extra services. And while advisors may be doing more, these younger clients are often willing to pay a higher monthly fee to cover the work, according to Moss and Jenkins.
Younger clients are also seen as champions of transparency and communication, and are quick to reward it -- good news for RIAs and other fee-based fiduciary advisors. “This generation is more fee-conscious, and is instantly turned off by advisors who act like product salesmen,” says Jenkins. “If you’re going to work in this market, you have to be an advisor that is product agnostic.”
Even so, however, margins may still be low -- and there is no certainty that advisors will be able to retain their clients during a transfer of wealth. “There is no guarantee clients will stick around 10 years down the road, but this business is not all about making money,” says Jenkins. “We’re building the industry the way it’s supposed to be.”
The greater risk, argue some advisors, is that Gen Y will continue to struggle with its financial planning needs. Only 17% of all Gen Y consumers are currently working with a financial professional, according to the LIMRA survey.
“If they cannot find an advisor that truly connects with them, they’ll most likely drift from firm to firm, and that is not a long-term solution,” says Moss. “They need people and firms that are going to be around for as long as they are and truly understand them and work the way they do.”
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