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Ever wondered how people afford champagne and lie-flat seats at 35,000 feet? Hint: It's not always their wallet—it's their credit card strategy.In this episode, Melissa Joy, CFP®, sits down with travel pro and entrepreneur Bry Keith to reveal how to turn everyday spending into extraordinary travel experiences using credit card points. Bry shares how she went from corporate finance and tech to helping clients fly business class for pennies on the dollar—sometimes squeezing 5–10x more value out of their points.You'll learn: ✈️ The #1 mistake most travelers make when using points (and how to avoid it)
What really happens when someone passes away—and are you (or your family) prepared to handle it? In this episode of Women's Money Wisdom, Melissa Joy, CFP®, sits down with Rachel Donnelly, founder of Afterlight and author of Late to Your Own Funeral, to unpack the messy, often overwhelming world of death administration.Rachel shares her personal story of becoming executor for both her parents' estates—while working full-time and raising young children—and how that experience inspired her to build a business helping others avoid the same chaos. Together, Melissa and Rachel dive into the real work that goes beyond writing a will: handling assets, updating beneficiaries, navigating probate, and keeping bills paid when no one's watching.They discuss why so many women delay estate planning, the hidden landmines (like untitled assets and digital accounts), and how you can start untangling this intimidating topic with simple, practical steps. The conversation also tackles how to bring up these sensitive issues with family, why “co-anything” can backfire, and how to avoid turning a loved one's legacy into a logistical nightmare.Key Takeaways:Estate planning isn't just about legal documents—it's about full asset management and communication.Women are more likely to delay estate planning, often because they don't know where to start.Probate horror stories highlight why comprehensive planning matters.Digital assets (social media, crypto, email) need to be included in your plan.Choose roles (executor, trustee) carefully—co-roles can create more problems than they solve.Even imperfect action now is better than procrastinating and risking chaos later.Having the tough conversations with family now can save heartache and confusion later.Whether you're starting from scratch or fine-tuning your existing plan, this episode will give you the confidence to take action—because death is inevitable, but an administrative nightmare doesn't have to be.Learn more & connect with Rachel: Website: www.myafterlight.com Instagram: @myafterlight LinkedIn: Rachel Donnelly Book: Late to Your Own FuneralThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
Estate Professionals Mastermind - More Than A Probate Real Estate Podcast
Learn how to build a business that fits your lifestyle and goals! Discover practical strategies for success and designing your dream business.
Spring is the perfect time for more than just a closet refresh—your finances deserve a reset too!In this practical, action-driven episode of Women's Money Wisdom, Melissa Joy, CFP® shares 20 powerful strategies to reinvigorate your financial life with the same fresh energy that spring cleaning brings to your home.From reviewing your budget in today's uncertain economy to automating savings and tackling debt in a high-interest environment, each suggestion is designed to be practical, manageable, and highly effective. Whether you're ready to revamp your beneficiary designations, audit your insurance coverage, consolidate accounts, or simply schedule regular “money dates,” these steps are all about reducing financial stress and building momentum toward your goals.Melissa draws on real-world client experiences to offer tips that are proven to deliver results—without overwhelming you with complexity. Every recommendation includes ideas for how and when to take action, helping you make meaningful progress without feeling stuck.Key Topics Covered:How to prioritize small financial wins for big impactWhy reviewing your beneficiary designations is crucialThe value of an insurance audit to protect your financial futureSmart ways to tackle debt and manage rising interest ratesThe benefits of automating savings and financial organizationHow to maximize unused loyalty rewardsTips for setting consistent money dates for accountability and partnershipWhy financial spring cleaning is about progress, not perfectionDownload the full checklist mentioned in this episode at pearlplan.com and track your progress as you bring clarity, confidence, and momentum to your financial life.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
“Good Morning Red Wing” News Director Greg Taylor talks with Red Wing's Community Education & Recreation Coordinator Noah Beierman, and Program Coordinator Naomi McCord about the Summer 2025 Brochure, and all the activities & programs available for kids and adults!
Is now a smart time to buy a home—or just a risky financial move?On this episode of Women's Money Wisdom, host Melissa Joy, CFP® sits down with returning guest and mortgage specialist Erica Powers CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. She unpacks the ever-changing housing market and what it means for your money moves.With over 20 years of experience and certifications in divorce lending and mortgage planning, Erica helps us cut through the confusion about mortgage rates, affordability, and refinancing strategies. Together, Melissa and Erica explore:
My dear friend, the Barefoot Backpacker, is a thoughtful traveller, but they often approach travel in different ways to me. We've chatted many a time about our varied styles and decided that making a collaborative podcast episode about just this would be a lot of fun. So, this episode is a combination of the two of us as hosts from Travel Tales from Beyond the Brochure and The Thoughtful Travel Podcast, and to frame our conversation we picked, of all things, a Buzzfeed quiz on the age-old (silly!) distinction of traveller versus tourist. But this did help us to discuss many of our travel ideas: what is slow travel, and can it look different? How do you get the most out of travel when you have limited time off from a "real" job? Why do people enjoy luxury service (and why don't we)? Is it still possible to travel without making plans or booking accommodation in advance? All this and much more, along with quite a few laughs! Links: The Barefoot Backpacker blog - https://barefoot-backpacker.com/ Travel Tales from Beyond the Brochure - https://barefoot-backpacker.com/category/podcast/ The Buzzfeed Quiz we used - https://www.buzzfeed.com/remeepatel/traveler-or-vacationer Join our Facebook group for Thoughtful Travellers - https://www.facebook.com/groups/thoughtfultravellers Join our LinkedIn group for Thoughtful Travellers - https://notaballerina.com/linkedin Sign up for the Thoughtful Travellers newsletter at Substack - https://thoughtfultravel.substack.com Show notes: https://notaballerina.com/345 Support the show: https://thoughtfultravel.substack.com/See omnystudio.com/listener for privacy information.
Is your retirement plan based on outdated assumptions—or real-world trends?In this episode of Women's Money Wisdom, Melissa Joy, CFP®, breaks down how retirement is changing—especially for women and Gen Xers. From unexpected post-retirement spending spikes to the growing trend of phased retirement, Melissa shares insights on what today's retirees really need to be thinking about.You'll hear why traditional assumptions about retirement may no longer apply, how inflation and rising costs are impacting timelines, and why confidence levels vary so dramatically between generations and genders.Whether you're planning decades ahead or approaching retirement soon, this conversation will help you understand the trends, risks, and planning opportunities shaping the future of retirement.Key Topics Covered:Why retirement spending often increases—not decreases—right after leaving the workforceThe impact of inflation and rising living costs on retirement timelinesConfidence disparities across age groups and between men and womenCommonly underestimated costs in retirement—especially healthcareHow phased retirement is changing the traditional retirement modelThe importance of flexible, forward-looking planning strategiesTune in to gain valuable insights on how to build a retirement strategy that's both realistic and resilient—regardless of where you are in your journey.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
Market volatility can be unsettling—but long-term financial success is rarely built on short-term reactions.In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP® addresses the emotional and financial challenges that often arise during market downturns. As markets enter bear territory, many investors may feel inclined to make significant changes to their portfolios. Melissa encourages listeners to take a step back and revisit their overall strategy, focusing on long-term planning rather than short-term uncertainty.She discusses general principles and planning considerations that can help investors stay grounded, including the potential benefits of maintaining diversified contributions, reviewing withdrawal strategies, and exploring financial planning opportunities that may arise in volatile environments.This conversation is not a recommendation or a forecast, but a reminder that financial decisions are best made from a place of clarity, not fear.Don't forget to check out the most recent Pearl Planning blog with more on tariffs and current market conditions. View here.Topics Covered:
04-03-2025 Benjamin Barnes Learn more about the interview and get additional links here: https://dailymailusa.com/2025/04/03/running-a-nonprofit-from-one-brochure-to-three-ivy-parks/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ
Are big changes coming to the way we pay for college? In this episode, host Melissa Joy, CFP®, sits down with Ann Garcia, CFP®, and author of How to Pay for College, to discuss the shifting landscape of higher education. With potential policy changes on the horizon, including modifications to student loans, grants, and university funding, families need to be more strategic than ever in planning for college expenses.Melissa and Ann explore the role of the Department of Education, the impact of proposed Parent PLUS loan eliminations, taxation of scholarships and endowments, and how federal research funding plays a pivotal role in the U.S. economy. Ann provides valuable insights on smart financial planning strategies for families navigating the cost of higher education and shares actionable steps for making informed decisions.Key Takeaways:✅ Potential Changes in Higher Education – How proposed federal policies may impact college affordability and financial aid. ✅ Understanding the Role of the Department of Education – What it funds, why it matters, and what could happen if it's restructured or eliminated. ✅ The Risks of Taxing Scholarships & Endowments – Who could be most affected and why financial aid could become even more limited. ✅ Parent PLUS Loans on the Chopping Block? – The pros and cons of eliminating these loans and what it could mean for families. ✅ Why Research Universities Matter – How federally funded research drives economic growth and innovation, from medical breakthroughs to technological advancements. ✅ Financial Planning for College – Smart strategies for families, including using net price calculators, alternative education pathways, and financial aid negotiations. ✅ The Importance of Open Conversations About Money – How to discuss finances with your kids and prepare them for responsible decision-making.Follow Ann on LinkedIn Learn More About Paying for College Follow on FacebookThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
Even as a CNN business correspondent, Alison Kosik struggled with financial imposter syndrome—a reality many successful women face. In this episode, Melissa Joy and Kosik dive into how women can build financial confidence and take control of their money, drawing from Kosik's new book, What's Up With Women and Money: How to Do All the Financial Stuff You've Been Avoiding.With Women's Equal Pay Day upon us, this conversation is more timely than ever. Women still earn just 84 cents for every dollar men make, and while 70% of women now negotiate their salaries, the remaining 30% contribute to the persistent pay gap. It's time for real talk about money, confidence, and financial independence—and this episode delivers exactly that.Takeaways:
Money is everywhere in our lives, yet talking about it remains one of the biggest taboos. In this episode, we bring together—Kathleen Burns Kingsbury, financial psychologist and author, and Melissa Joy, CFP®, founder of Pearl Planning—to explore why breaking money silence is crucial for financial confidence, wealth-building, and stronger relationships.Key Takeaways:
In this weeks episode Patricia shares the second part of her housing journey with us. We discuss the process of finding an apartment, submitting the landlord packet, and finally moving into an apartment. We also discuss the importance of advocating for yourself. Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCESNYC311https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochurehttps://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instabilityhttps://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf EducationAdvocates for Childrenhttps://www.advocatesforchildren.org/ Contact info for STH Regional Managers: https://www.schools.nyc.gov/school-life/special-situations/students-in-temporary-housingContact info shelter-based STH Family Assistants and school-based STH Community Coordinators: https://bit.ly/STHStaff Help requesting a shelter transfer to be closer to your child's school: email Jennifer Pringle at jpringle@advocatesforchildren.orgEducation specialist helpline, Monday - Thursday 10am-4pm866-427-6033 or send a message: https://www.advocatesforchildren.org/get_help/helpline/send_us_a_message Students in Temporary Housing Tip Sheet: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing.pdf?pt=1 Spanish Version: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing_spanish.pdf?pt=1 CAMBA, Inc.https://camba.org/ info@CAMBA.org Education and Youth Development https://camba.org/program/educationyouthdevelopment/ Education Center College & Career Prep Community Centers After-School and Summer Programs Community Schools Young Adult SupportMental HealthBetter Help Teen Mental Health Resourceshttps://www.betterhelp.com/advice/teenagers/Talk It Out Mental Health Counseling PLLCTalkitoutcounselingservices@gmail.comTracey Liang M.S, LMHC, NCC, C-DBTInterborough development and consultation centerPsychotherapistAddress: Coney Island ClinicIDCC Medical Building2846 Stillwell AveBrooklyn, Ny 11224Tel: (718)975-4888FAX: (718)975-2286Email: tliang@interboro.orgWebsite: www.interborough.orgLanguages: English, Cantonese, MandarinHousing VouchersSection 8https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPShttps://www.nyc.gov/site/hra/help/cityfheps.page FHEPShttps://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA)https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
How can mothers find the support they truly need in a world that often leaves them feeling isolated?In this inspiring episode, Melissa Joy sits down with Ariel Wan, founder of The Mamas Network, a nonprofit dedicated to creating a safe and empowering space for parents. Ariel shares her journey of building third spaces—welcoming environments where moms can connect, share experiences, and navigate the unique challenges of motherhood without fear or judgment.We explore the economic realities of childcare, the balancing act of work and parenting, and why investing in community support is critical for modern moms. Ariel's vision includes coworking spaces with onsite childcare, offering flexible solutions for parents striving to maintain both personal and professional fulfillment.Key Takeaways: ✨ The power of community in reducing isolation for parents ✨ Why third spaces matter & how they help moms thrive ✨ Economic realities of childcare and the need for flexibility ✨ How The Mamas Network is bridging the gap for working moms ✨ The importance of investing in well-being & support networksJoin us for a meaningful conversation about motherhood, financial wellness, and the importance of strong communities. Don't miss this episode! Subscribe now and let's continue creating spaces where parents feel seen, heard, and supported.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
On April 5, 1951, Julius and Ethel Rosenberg were sentenced to death under the Espionage Act of 1917. The couple was accused of spying for the Soviet Union and providing classified information about nuclear weapons, radar, sonar, and jet propulsion engines. The trial, which was presided over by Judge Irving Robert Kaufman, captured international attention. Narrated by Rebecca Naomi Jones and featuring Martin J. Siegel, author of Judgment and Mercy: The Turbulent Life and Times of the Judge Who Condemned the Rosenbergs. Image: Cover of Brochure produced by the National Committee to Secure Justice for Morton Sobell in the Rosenberg Case, circa 1954. From the Committee to Free Morton Sobell Collection at AJHS, I-356. The Wreckage is part of the American Jewish Education Program, generously supported by Sid and Ruth Lapidus.
Ever wondered how to balance your career ambitions while thriving as a dedicated mom?In this empowering episode, we're diving deep into the balancing act of career ambitions and motherhood with an honest, heartfelt conversation about redefining success on your own terms. Melissa Joy, CFP® is joined by the inspiring Hannah Moore, CFP®—a dynamic leader, entrepreneur, and dedicated mom—who shares her journey of embracing multiple roles while staying true to herself.Whether you're navigating the complexities of the corporate world, building your own business, or managing family life, this episode offers practical strategies and transformative insights to help you thrive in every aspect of your life.What You'll Learn in This Episode:✨ Embracing Multifaceted Identities: Discover how integrating your roles as a professional, entrepreneur, and mom can empower you both at home and in the workplace.✨ Navigating Real-Life Challenges: Hear authentic stories of the struggles and successes that come with balancing career and family.✨ Prioritizing Self-Care: Gain actionable tips for carving out time for yourself amid the daily chaos.✨ The Power of Support: Learn why asking for help, setting boundaries, and delegating responsibilities are essential to sustainable success.✨ Redefining Success: Explore how to challenge societal expectations and create a definition of success that truly resonates with your core values.Tune in for an episode filled with inspiration, actionable advice, and a celebration of the incredible journey of modern womanhood. Join us now and step into a life that celebrates every facet of who you are!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
We are on the Hill Advocating for a better future – Sprint, DREEM, Travel & NET - #S10e162 Tuesday, February 25, 2025 - Week 9 ADVOCACY - Thank you Jessica, Jaime and Vicky for repping SRF at ELF RD Week https://www.linkedin.com/posts/curesyngap1_raredc2025-syngap1-advocacy-activity-7300237949831368705-FIRS SPRINT4SYNGAP - April 26, 2025 Webinar: cureSYNGAP1.org/S4S25 Guide: cureSYNGAP1.org/S4SGuide LEVERAGE ON OUR GRANTS #Finland #Missense: https://www.linkedin.com/posts/graglia_kulttuurirahastontuella-skr2025-syngap1-activity-7296289488912191489-rWl-/?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAD8f4B7JC4TMss45Q8hrsq5kiceI0Z8HE STUDY OF THE WEEK - Email syngap-study@beacon.bio Dreem: https://curesyngap1.org/resources/studies/beacon-dreem-eeg-device-study-in-syngap1/ Study Tracker page: https://docs.google.com/spreadsheets/d/1oQLNi85AUbISmcW0KbsgGn4cBK_4MNuvwGlKUUKLyIQ/edit?usp=sharing IMPACT REPORT NL43 cureSYNGAP1.org/NL43 ONLINE DID YOU KNOW We have a calendar now! https://curesyngap1.org/calendar/ Brochure is updated: cureSYNGAP1.org/Brochure YouTube - Adding Family Day Talks - https://www.youtube.com/playlist?list=PLjpr3a14_ls2ummdbWyUdvRpMcQBlRXy2 COMPANY OF THE WEEK - Stoke & Biogen! STK ($0.45Bn) partners with BIIB ($20.5Bn) https://investor.stoketherapeutics.com/news-releases/news-release-details/biogen-and-stoke-therapeutics-enter-collaboration-develop-and #SpecialNeedsTRAVEL e31 of SYNGAP1 Stories. Navarros - cureSYNGAP1.org/Stories Comments on YouTube are great, see this presentation by SRF's Heather on travel… https://youtu.be/c7S7q_gK4Bk?si=wM4Ter_q8-37Yg8V RESEARCH UPDATE There are 318 papers on or related to SYNGAP1 since 1998, but 54 of those are in 2024! So far 10 (Coller included) for 2025. https://pubmed.ncbi.nlm.nih.gov/?term=syngap1&filter=years.1998-2025&sort=pubdate&timeline=expanded Frazier paper on NET: https://onlinelibrary.wiley.com/doi/10.1002/aur.3290 VOLUNTEER SPOTLIGHT Toby and John Brimsek are tireless. Thank you. https://curesyngap1.org/team/volunteers/emily-brimsek-phd/ VOLUNTEER Join us: https://curesyngap1.org/volunteer-with-srf/ CONFERENCE Pre-register now: December 4 & 5 – https://cureSYNGAP1.org/Pre25 REGISTER FOR BRAIN DONATION via https://www.autismbrainnet.org/ https://www.frontiersin.org/journals/neurology/articles/10.3389/fneur.2024.1486227/full SOCIAL MATTERS - 3,937 LinkedIn. https://www.linkedin.com/company/curesyngap1/ - 1.28k YouTube. https://www.youtube.com/@CureSYNGAP1 - 11.5k Twitter https://twitter.com/cureSYNGAP1 - 46.6k Insta https://www.instagram.com/curesyngap1/ NEWLY DIAGNOSED? New families have resources here! https://syngap.fund/Resources Podcasts, give all of these a five star review! https://podcasts.apple.com/us/channel/syngap1-podcasts-by-srf/id6464522917 Episode 162 of #Syngap10 #CureSYNGAP1 #epilepsy #autism #intellectualdisability #id #anxiety #raredisease #epilepsyawareness #autismawareness #rarediseaseresearch #SynGAPResearchFund #CareAboutRare #PatientAdvocacy #GCchat #Neurology #GeneChat #F78A1
In this special milestone episode, we're celebrating five years of the podcast and my 50th birthday with an empowering conversation about the transformative power of style! Joining her is Morgan Wider, founder of Wider Style and author of The Worthy Wardrobe, to explore how authentic self-expression through style can elevate confidence, impact success, and create alignment between personal and professional identity.What does your wardrobe say about you? Whether you're navigating rigid dress codes, stepping into leadership roles, or simply seeking a wardrobe that makes you feel powerful and worthy, this episode offers deep insights into the interplay between fashion, self-worth, and success.What You'll Learn in This Episode:✨ The Power of Authenticity in Style: Why dressing as your true self boosts confidence and how to balance self-expression with professional expectations. ✨ Vulnerability & Fashion: How your wardrobe reflects more than just appearance—it's an emotional and psychological tool for self-acceptance. ✨ Strategic Wardrobe Investments: Where to spend vs. save when building a professional wardrobe, especially for women in male-dominated industries. ✨ Wardrobe as a Career Tool: How personal style impacts the way you're perceived and can open doors to unexpected opportunities. ✨ Smart Fashion Purchases: How to elevate your style on a budget with practical tips on investing in key pieces like blazers, shoes, and accessories.Resources:Morgan's online course! Listeners can get 25% off with the code PODCASTIG: @morganwiderstyleConnect on LinkedIn with MorganThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
Is Your Family Operating Like a Well-Run Business?In this episode, Melissa Joy, CFP®, explore how families can apply business strategies to create structure and intentionality at home. Our guest, Kelly O'Donnell, an expert in the Entrepreneurial Operating System (EOS), introduces the Vision Traction Organizer (VTO)—a tool that helps families define core values, set a long-term vision, and break goals into actionable steps.Kelly shares how identifying what truly matters can guide financial decisions, time management, and overall family priorities. She also discusses the benefits of quarterly family meetings and "same page meetings" for spouses to ensure alignment and clarity. By integrating structured planning and financial strategies, families can create a stronger sense of purpose while maintaining flexibility for life's unexpected changes.Whether you want to strengthen family bonds, improve communication, or set clear financial and personal goals, this episode offers practical insights to help you build a more organized and intentional family life.Resources & Links:
In Episode 53 of The Chief Exchange Podcast, Alec talks to Durham Fire Chief Robert Zoldos about leadership, recruitment, and firefighter retention. Chief Zoldos shares how his time as a mayor gave him a unique edge in fire service leadership, along with proven strategies to attract and retain top talent. From advocating for pro-athlete-level pay to exploring innovative shift schedules, this episode is packed with insights every fire service leader needs to hear. Plus, we dive into why you should always practice harder than you perform and how to elevate risk management in your department.
Jesus' mission shapes what it means to be his disciple.Scripture: Mark 8:31-38Speaker: Paul SheldonWebsite: gracefellow.comFacebook: www.facebook.com/GraceFellowshipDixon
Unlock the secrets of tariffs and their far-reaching impact on our global economy with me, Melissa Joy, CFP®, in this illuminating episode of the Women's Money Wisdom Podcast. Ever wondered how tariffs shape international trade and affect your wallet? Get ready to explore the journey of tariffs from their historical role in federal revenue generation to their modern-day implications under recent U.S. administrations.In this episode, we dive into:✅ The history of tariffs and how they were once a major revenue source for governments✅ Why many economists see tariffs as a negative tax on economic growth✅ How tariffs increase costs for importers and spark retaliatory trade wars✅ The role of trade agreements like NAFTA and organizations like the WTO in promoting freer trade✅ The broader impact of tariffs on everyday consumers and investment portfoliosBut that's not all! While tariffs take center stage, we also shift the conversation to women's financial education—an essential tool for navigating today's economic landscape. Financial literacy is the key to making informed money decisions, and we're here to provide the resources and knowledge to help you thrive.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
In this weeks episode Patricia shares her housing journey with us. We discuss the differences between the shelter system in NYC vs New Jersey. We also discuss the importance of advocating for yourself and commonly held misconceptions about the shelter and case workers. Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Education Advocates for Children https://www.advocatesforchildren.org/ Contact info for STH Regional Managers: https://www.schools.nyc.gov/school-life/special-situations/students-in-temporary-housing Contact info shelter-based STH Family Assistants and school-based STH Community Coordinators: https://bit.ly/STHStaff Help requesting a shelter transfer to be closer to your child's school: email Jennifer Pringle at jpringle@advocatesforchildren.org Education specialist helpline, Monday - Thursday 10am-4pm 866-427-6033 or send a message: https://www.advocatesforchildren.org/get_help/helpline/send_us_a_message Students in Temporary Housing Tip Sheet: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing.pdf?pt=1 Spanish Version: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing_spanish.pdf?pt=1 CAMBA, Inc. https://camba.org/ info@CAMBA.org Education and Youth Development https://camba.org/program/educationyouthdevelopment/ Education Center College & Career Prep Community Centers After-School and Summer Programs Community Schools Young Adult Support Mental Health Better Help Teen Mental Health Resources https://www.betterhelp.com/advice/teenagers/ Talk It Out Mental Health Counseling PLLC Talkitoutcounselingservices@gmail.com Tracey Liang M.S, LMHC, NCC, C-DBT Interborough development and consultation center Psychotherapist Address: Coney Island Clinic IDCC Medical Building 2846 Stillwell Ave Brooklyn, Ny 11224 Tel: (718)975-4888 FAX: (718)975-2286 Email: tliang@interboro.org Website: www.interborough.org Languages: English, Cantonese, Mandarin Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
How does addiction impact financial planning, and why is it so often left out of the conversation? In this thought-provoking episode, Melissa Joy, CFP®, dives deep into this sensitive yet critical topic alongside Karen Coyne, CFP® of Clarity Planning. Karen shares her personal journey and highlights the significant gap in financial planning education when it comes to addiction and its far-reaching effects on individuals and families.Melissa and Karen explore practical tools for addressing these challenging conversations and discuss how financial advisors can better support clients navigating the complexities of addiction. They also delve into the psychological allure of risky financial behaviors like cryptocurrency and meme stocks and the impulsive decisions these trends can inspire.Plus, Karen shares a personal story about teaching her son the importance of financial education, emphasizing the value of open, honest communication in safeguarding your financial future.What You'll Learn:The often-overlooked link between addiction and financial planningPractical ways financial advisors can approach sensitive client challenges with empathyThe psychological appeal of high-risk financial behaviors like crypto and meme stocksStrategies for fostering transparency and self-awareness in financial discussionsResources & Mentions:Clarity Planning with Karen CoyneRelated Episode: Tackling Mental Health in Financial PlanningThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
In this insightful episode, Melissa Joy, CFP® is joined by Ashley Waddell-Tingstad, founder of Treetown Law, to explore the vital yet often misunderstood world of estate planning. Together, they uncover the significance of preparing for life's expected and unexpected moments with key documents such as powers of attorney and healthcare directives. Ashley's expertise brings clarity to the complexities of estate planning, emphasizing the importance of building strong foundations for navigating transitions and crises smoothly. What You'll Learn in This Episode: Why estate planning matters: How essential documents like powers of attorney and healthcare directives prepare you for life's uncertainties. Probate vs. trusts: Understanding the burdens of probate and how trusts can simplify asset management, especially for families with minor children. Beneficiary designations: Strategies for minimizing the probate process by keeping beneficiary designations up to date. Revocable living trusts: The privacy, flexibility, and tax advantages they offer, and why they're not just for the wealthy. State-specific planning: The importance of consulting a local attorney to ensure your estate plan complies with unique state laws. Post-death planning: How trusts can protect assets from legal and financial vulnerabilities. Resources: Treetown Law LinkedInAshley on LinkedInTreetown Law on FB The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
In this enlightening episode, we sit down with Sharon McRill, founder of Betty Brigade, to explore the transformative power of professional organizing, outsourcing, and future-proofing your life. Sharon shares her journey from corporate burnout to building a business that helps clients manage home organization, relocation, and vendor coordination with ease.We delve into the challenges faced by the "sandwich generation," juggling belongings and responsibilities for their children, spouses, and aging parents. Sharon shares a powerful story of how her team helped an overworked attorney reclaim his home and peace of mind, showing just how life-changing professional organizing can be.Discover the art of maximizing your personal time by outsourcing tasks, rethinking the 'do-it-yourself' mindset, and focusing on what matters most. Learn how to cherish and use your treasured possessions rather than letting them gather dust and how clearing your physical space can enhance your mental well-being.Sharon highlights her book, Downsizing the Silver Tsunami, a must-read guide for managing trusts, estates, and the emotional process of decluttering.Listen and Learn:Reclaiming Your Space: How professional organizing can transform your home and well-being.The Sandwich Generation Struggle: Strategies to balance belongings and responsibilities across generations.Outsourcing for Success: Why letting go of the 'do-it-yourself' mindset can free your time and reduce stress.Cherishing Your Possessions: Using what you love and finding joy in your space.Future-Proof Your Life: The benefits of home inventories, wills, and trusts for peace of mind.Motivation and Momentum: How to tackle overwhelming projects and clear spaces faster.Expert Advice: Practical tips from Sharon's book, Downsizing the Silver Tsunami, on managing estates and trusts.Resources MentionedDownsizing the Silver Tsunami by Sharon McRill Betty Brigade Services IG @bettybrigadeThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
Can political leadership shape our economic future, or do external factors hold greater sway? In this episode, Melissa Joy, CFP® dives into the complexities of financial planning during uncertain times, particularly as we approach a new Trump presidency in 2024 or 2025. Using historical events like 9/11 and the COVID-19 pandemic as context, she examines how external shocks often overshadow political leadership in influencing economic outcomes. This episode offers actionable insights on navigating volatile markets, safeguarding your health coverage, and building a resilient financial plan.Listen and Learn:Political Leadership vs. External Shocks: Explore the limited influence of administrations on long-term financial outcomes compared to significant external events.Healthcare Planning: Insights from a Washington analyst on the Affordable Care Act (ACA) and protections for individuals with pre-existing conditions, especially for early retirees.Real Estate Market Challenges: Analyze the impact of high interest rates and potential SALT deduction changes on homeownership and property investments.Industry-Specific Insights: Learn how regulation and deregulation might reshape sectors like the auto industry in Michigan.Long-Term Financial Strategies:The importance of a diversified investment portfolio to weather market volatility.Crafting a financial plan to manage economic uncertainties effectively.Guidance on preparing for future downturns without overreacting to political or market shifts.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
Ever thought estate planning was only for the wealthy or elderly? Think again. In this episode of the Women's Money Wisdom Podcast, renowned estate planner Jennifer Rozelle joins us to demystify the often-overlooked world of estate planning. Together, we explore why starting your estate plan early is essential, regardless of your age or financial situation.From navigating guardianship for young families to managing complex financial assets in retirement, Jennifer offers invaluable advice to help you avoid common mistakes and secure your loved ones' futures. We dive into the hidden complexities of wills, probate, and beneficiary designations, highlighting why relying on default intestacy laws can lead to unintended consequences.With engaging real-world examples—including celebrity estate planning missteps from icons like Aretha Franklin and Kobe Bryant—we emphasize the importance of regular updates, personalized planning, and clear communication. Jennifer shares cautionary tales and expert tips, shedding light on issues like unrestricted inheritances, Medicaid implications, and the tax considerations that catch many off guard.This episode is a must-listen for anyone looking to take control of their financial legacy with confidence and clarity.Listen and Learn:Why Estate Planning Matters at Any Life Stage: The crucial role it plays in protecting your loved ones.Navigating Common Pitfalls: Avoid mistakes with expert tips on wills, probate, and inheritance planning.Lessons from Celebrities: What high-profile cases teach us about the need for regular updates.The Power of Professional Guidance: How to craft a plan tailored to your needs and avoid a one-size-fits-all approach.Communication is Key: Ensuring your wishes are clear and effectively executed.https://www.indianaestateelderlaw.com/Follow Jenny on LinkedInFollow Jenny on XFollow Jenny on Facebook Follow Jenny on InstagramThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
In part 2 of this series, an NYC mom experiencing homelessness dives into her relationship with her 7-year-old son who has multiple disabilities, the importance of love, and more. Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Education Advocates for Children https://www.advocatesforchildren.org/ Contact info for STH Regional Managers: https://www.schools.nyc.gov/school-life/special-situations/students-in-temporary-housing Contact info shelter-based STH Family Assistants and school-based STH Community Coordinators: https://bit.ly/STHStaff Help requesting a shelter transfer to be closer to your child's school: email Jennifer Pringle at jpringle@advocatesforchildren.org Education specialist helpline, Monday - Thursday 10am-4pm 866-427-6033 or send a message: https://www.advocatesforchildren.org/get_help/helpline/send_us_a_message Students in Temporary Housing Tip Sheet: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing.pdf?pt=1 Spanish Version: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing_spanish.pdf?pt=1 CAMBA, Inc. https://camba.org/ info@CAMBA.org Education and Youth Development https://camba.org/program/educationyouthdevelopment/ Education Center College & Career Prep Community Centers After-School and Summer Programs Community Schools Young Adult Support Mental Health Better Help Teen Mental Health Resources https://www.betterhelp.com/advice/teenagers/ Talk It Out Mental Health Counseling PLLC Talkitoutcounselingservices@gmail.com Tracey Liang M.S, LMHC, NCC, C-DBT Interborough development and consultation center Psychotherapist Address: Coney Island Clinic IDCC Medical Building 2846 Stillwell Ave Brooklyn, Ny 11224 Tel: (718)975-4888 FAX: (718)975-2286 Email: tliang@interboro.org Website: www.interborough.org Languages: English, Cantonese, Mandarin Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
Imagine starting the year with a solid financial foundation.In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, will guide you through setting intentional and achievable goals using the SMART method. We'll explore how reflecting on 2024's financial accomplishments, no matter the size, can boost your confidence. Discover how writing down aspirations makes them more attainable, and how incremental progress, alongside addressing past financial challenges, can lead to a well-strategized financial journey.Our conversation doesn't stop at goal setting; we delve into streamlining your financial plans by consolidating retirement accounts and reviewing investment costs. Stay ahead of rising insurance expenses, and check to see if your coverage is both adequate and cost-effective. As tax season looms, proactive planning becomes essential, and with future episodes featuring estate planning attorneys, you'll be equipped to handle this often-overlooked aspect. And if you are financially thriving, maintaining well-being through clear goals and regular check-ins is crucial in the new year!Listen and Learn:Intentional Goal-Setting: Using SMART goals to build a strong financial foundation.Streamlining Financial Plans: Consolidating retirement accounts and reviewing investment costs.Proactive Tax Planning: Organizing tax documents early to avoid last-minute stress.Importance of Estate Planning: Tackling this essential step with expert advice.Maintaining Financial Well-Being: Regular check-ins and clear goals for financial success.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/
Ever wondered how to embrace the holiday season with more joy and less stress?In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® dives into the pressures of holiday obligations and the transformative power of letting go of perfection. Drawing from her own holiday experiences, including cherished traditions at Greenfield Village, Melissa shares how prioritizing joy can create a more fulfilling season.We explore how social media and personal standards fuel comparison, often leading to stress, and how shifting focus to what truly matters can change both your holidays and your financial mindset. The conversation highlights how women, in particular, can navigate added holiday expectations with grace and confidence.Beyond holiday traditions, we tackle how comparison impacts financial decisions and overall well-being. By embracing imperfection, you can not only manage holiday pressures but also apply these lessons to everyday life, including how you approach money and lifestyle choices.Listen and Learn:Finding Joy in Imperfection: Let go of comparison and embrace your unique journey.Prioritizing What Matters: How small changes can create a more meaningful holiday season.Navigating Financial Pressures: Insights on how comparison impacts financial decisions.Everyday Lessons from Holiday Experiences: Apply these strategies year-round to enhance well-being.Join us as we celebrate the beauty of imperfection and discover ways to make the holiday season—and life—a more joyful and fulfilling experience. Tune in today!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/
This week, we are joined by a single mom who is currently living in an NYC shelter with her 7-year-old son who has multiple disabilities. In the first part this series, she shares about the challenges navigating and finding the right supports for her son. Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Education Advocates for Children https://www.advocatesforchildren.org/ Contact info for STH Regional Managers: https://www.schools.nyc.gov/school-life/special-situations/students-in-temporary-housing Contact info shelter-based STH Family Assistants and school-based STH Community Coordinators: https://bit.ly/STHStaff Help requesting a shelter transfer to be closer to your child's school: email Jennifer Pringle at jpringle@advocatesforchildren.org Education specialist helpline, Monday - Thursday 10am-4pm 866-427-6033 or send a message: https://www.advocatesforchildren.org/get_help/helpline/send_us_a_message Students in Temporary Housing Tip Sheet: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing.pdf?pt=1 Spanish Version: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing_spanish.pdf?pt=1 CAMBA, Inc. https://camba.org/ info@CAMBA.org Education and Youth Development https://camba.org/program/educationyouthdevelopment/ Education Center College & Career Prep Community Centers After-School and Summer Programs Community Schools Young Adult Support Mental Health Better Help Teen Mental Health Resources https://www.betterhelp.com/advice/teenagers/ Talk It Out Mental Health Counseling PLLC Talkitoutcounselingservices@gmail.com Tracey Liang M.S, LMHC, NCC, C-DBT Interborough development and consultation center Psychotherapist Address: Coney Island Clinic IDCC Medical Building 2846 Stillwell Ave Brooklyn, Ny 11224 Tel: (718)975-4888 FAX: (718)975-2286 Email: tliang@interboro.org Website: www.interborough.org Languages: English, Cantonese, Mandarin Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
2024 is reaching an end, and I'm honestly looking forward to getting on with 2025! This year was a bit of a bust: the sudden loss of my Mum tainted most of the year with various repercussions, and even this podcast suffered from some neglect! But with a shiny new year ahead, I'm happy to look back on what travel I did manage in 2024, as well as talk about what seem to be the most likely travel trends for 2025. I also asked listeners about their resolutions for 2025 and I'm glad to include a wonderful selection of ideas - most especially because all of my listeners are so thoughtful! I hope you all have a wonderful holiday season and I look forward to being back in your ears every week in 2025. Happy travels! Links: Julie - Have Wheelchair Will Travel - https://havewheelchairwilltravel.net Michael - Brent and Michael Are Going Places - https://www.brentandmichaelaregoingplaces.com Carolyn - Holidays to Switzerland - https://holidaystoswitzerland.com/podcast/ Barefoot Backpacker - Travel Tales From Beyond the Brochure - https://barefoot-backpacker.com/category/podcast/ Conde Nast’s Best Places to Go in 2025 - https://www.cntraveler.com/story/best-places-to-go-in-2025 AFAR’s list of Where to Go in 2025 - https://www.afar.com/magazine/where-to-go-in-2025 CNBC’s article on Travel Trends in 2025 - https://www.cnbc.com/2024/10/20/travel-trend-in-2025-places-that-are-lesser-known-and-less-crowded.html Join our Facebook group for Thoughtful Travellers - https://www.facebook.com/groups/thoughtfultravellers Join our LinkedIn group for Thoughtful Travellers - https://notaballerina.com/linkedin Sign up for the Thoughtful Travellers newsletter at Substack - https://thoughtfultravel.substack.com Show notes: https://notaballerina.com/330 See omnystudio.com/listener for privacy information.
Ever wondered how to navigate retirement planning with both financial security and personal fulfillment in mind?In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar and author of How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement. Christine shares her approach to retirement planning, highlighting strategies like annuities, cash flow management, and balancing time-tested methods with innovative ideas. Gain insights into navigating retirement complexities with an open mind and a strategic outlook.We delve into managing retirement finances, including equity compensation, tax strategies, and post-retirement financial decisions. Christine provides actionable tips on handling restricted stock units (RSUs), Roth conversions, and optimizing portfolios based on risk tolerance and long-term goals. Generational lessons and past market experiences add valuable perspective.Christine also emphasizes balancing financial planning with personal fulfillment. Inspired by real-life stories, we discuss aligning work with passions, transitioning gradually into retirement, and making intentional choices for a meaningful future.Listen and Learn:Holistic Retirement Planning: Key strategies like annuities and cash flow management for financial stability.Smart Tax and Investment Moves: Tips on RSUs, Roth conversions, and portfolio optimization.Generational Insights: Lessons from past market downturns and diverse viewpoints.Purposeful Living: Align financial plans with personal passions for a fulfilling retirement.Join us for practical advice and inspiration to help you create a secure and meaningful retirement. Tune in today!The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://pearlplan.com/
What Financial Moves Should Women Prioritize as 2024 Comes to a Close?As the year winds down and the political landscape shifts under the anticipated policies of President Trump, Melissa Joy, CFP®, CDFA®, unpacks the key financial strategies women should focus on to optimize their year-end planning. With potential changes to tax policies—including adjustments to the standard deduction and estate tax limits—Melissa offers expert insights to help you navigate the complexities and prepare for a prosperous 2025.This episode dives into actionable tactics, from maximizing retirement contributions to making strategic property tax decisions, all aimed at setting a strong financial foundation. Additionally, Melissa explores innovative ways to maximize your charitable giving, leverage tax advantages, and celebrate your financial achievements during this reflective season.Key Takeaways:Navigating Potential Tax Changes: Understand how upcoming shifts in tax policies, including the standard deduction and estate tax limits, might impact your financial plans and what steps you can take now to stay ahead.Year-End Tax Optimization Tactics: Learn how to maximize your retirement contributions, make strategic decisions about property tax payments, and take advantage of key deductions before the year ends.Smart Charitable Giving Strategies:Explore the benefits of donor-advised funds and Qualified Charitable Distributions for retirees over 70½.Discover how to utilize the $17,000 annual gift tax exclusion to benefit loved ones.Consider gifting appreciated stock to reduce capital gains taxes while making a meaningful impact.Reflecting on Wins and Giving Back: Celebrate your financial achievements in 2024 and explore heartfelt ways to give during the holiday season that align with your values and goals.Whether you're preparing for changes in tax laws, planning your charitable contributions, or reflecting on your financial journey, this episode is filled with actionable tips to help you end the year strong and step into 2025 with confidence.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
In this heartwarming Giving Tuesday episode, Melissa Joy, CFP®, explores the profound connection between gratitude, philanthropy, and personal well-being. Delving into the science and practice of thankfulness, Melissa highlights how cultivating a gratitude mindset can reshape your financial habits, reduce stress, and bring deeper fulfillment to your life.Key Takeaways:The Power of Gratitude: Discover research-backed ways gratitude can reduce anxiety, improve mood, and enhance overall life satisfaction.Philanthropy as a Gratitude Practice: Learn how incorporating charitable giving into your financial strategy can align your wealth with your values and bring greater purpose to your resources.Practical Gratitude Strategies: Explore simple techniques like journaling, reframing challenges, and celebrating small wins to foster a positive mindset.Overcoming Challenges to Gratitude: Acknowledge that gratitude isn't always easy, especially during difficult times, and gain insights on how to approach it when facing trauma, loss, or life transitions.This episode is an invitation to reflect on the role gratitude plays in your financial and emotional health, especially during the holiday season. Whether through intentional giving or personal practices, discover how gratitude can set the stage for a more prosperous and fulfilling life.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
What if wealth isn't just about numbers? In this transformative episode, Melissa Joy, CFP® is joined by Dr. Daniel Crosby to discuss his latest book, The Soul of Wealth. With 50 thought-provoking essays, Dr. Crosby redefines wealth as more than financial figures—highlighting its connection to personal values, mental wellness, and meaningful living. Together, they navigate the powerful intersection of wealth and well-being, offering insights that will inspire you to approach financial planning in a way that aligns with your core values.Key Takeaways:Redefining Wealth: Learn how The Soul of Wealth shifts the narrative from dollars and cents to a deeply personal and fulfilling approach to financial success.The Impact of Comparison: Discover how the life of Vincent Van Gogh offers a cautionary tale about the effects of comparison on financial and mental well-being.Choosing the Right Reference Class: Dr. Crosby and Melissa share strategies for focusing on personal growth by reframing your reference points and eliminating unhealthy comparisons.Women in Finance: Explore the unique strengths women bring to investing, and how challenging outdated stereotypes can empower financial decision-making.The Role of Gratitude and Giving: Be inspired by stories from The Soul of Wealth that emphasize the power of gratitude and generosity in fostering a healthier relationship with money.Resources: Buy Daniel's Book Here Follow Daniel on LinkedInLearn More about Daniel The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
This week are joined by Nate French, Director of Community Impact at Community Solutions, an organization that works to create a lasting end to homelessness that leaves no one behind. Learn more about Community Solutions here. https://community.solutions/ Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
Have you ever felt like you're not good enough, or that your accomplishments don't really belong to you? In this episode, Melissa Joy, CFP® dives deep into the topic of imposter syndrome with coach and speaker L.J. Gamble, who shares her personal journey with self-doubt and offers powerful strategies to manage it. Together, they explore what imposter syndrome is, how it affects women in particular, and what you can do to keep it from holding you back in your career and personal life. L.J. emphasizes the importance of celebrating achievements, finding purpose, and reshaping limiting beliefs—all key steps in building confidence and reclaiming your self-worth. Key Takeaways: Understanding Imposter Syndrome: Many people struggle with imposter syndrome without realizing it. Acknowledge Self-Doubt: Recognizing and accepting self-doubt is the first step to overcoming it. Management, Not Cure: The goal is not to “cure” imposter syndrome but to learn strategies for managing it effectively. Celebrate Achievements: Regularly acknowledging accomplishments builds confidence and resilience. Impact on Growth: Imposter syndrome can be a significant barrier to both financial and professional advancement. Creating a ‘Hindsight Board': Visualizing past successes through a ‘hindsight board' reinforces self-worth. The Role of CBT: Cognitive Behavioral Therapy (CBT) can help change negative thought patterns and boost self-esteem. Finding Purpose: Discovering one's purpose is a cornerstone of personal fulfillment. Workshops for Change: Engaging in workshops and conferences can lead to meaningful personal growth. Empowerment Conference: The upcoming mini-conference is designed to empower women, encouraging them to set and achieve their long-term goals. Resources: Learn about LJ on her website Connect with LJ on Facebook The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
How can we manage the heavy responsibilities of family caregiving without sacrificing our own financial and emotional health?In this heartfelt episode, Melissa Joy, CFP®, CDFA® sits down with Danielle Miura, CFP®, MSFP, EA, with first-hand experience navigating the complexities of caregiving after her grandmother's fall. Together, they delve into the emotional and financial challenges faced by caregivers and share practical strategies for managing medical care, logistics, and the personal sacrifices that often come with this role. Danielle shares powerful insights from her journey and offers tools to support caregivers in prioritizing their own well-being. Whether you're caring for a family member with dementia or an adult child with special needs, this episode provides a wealth of resources to help you balance these responsibilities while maintaining your health and happiness. Key Takeaways: Prioritizing Self-Care: Discover the importance of setting aside time for yourself and implementing self-care practices, like journaling and meditation, to stay grounded amidst caregiving duties. Understanding Different Caregiving Roles: From supporting elderly family members to helping children with special needs, Melissa and Danielle explore the unique challenges each role presents. Setting Boundaries & Future Planning: Learn about the crucial role of caregiver agreements, boundary-setting, and long-term care insurance for both peace of mind and practical financial planning. Communication & Role Clarity: Danielle emphasizes the need for open, clear communication among family members to reduce stress and ensure smooth coordination of care. Resources:Follow Danielle on LinkedIN Follow Danielle on X Follow Danielle on Instagram Follow Danielle on Facebook Learn more about Danielle Interviews BlogThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
This week, we are joined by Hanna McPheron with Girl Scouts of Greater New York's Troop 6000. It is a unique program designed to serve families living in temporary housing in the New York City shelter system. Learn more here: https://www.girlscoutsnyc.org/troop6000 Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Education Advocates for Children https://www.advocatesforchildren.org/ Contact info for STH Regional Managers: https://www.schools.nyc.gov/school-life/special-situations/students-in-temporary-housing Contact info shelter-based STH Family Assistants and school-based STH Community Coordinators: https://bit.ly/STHStaff Help requesting a shelter transfer to be closer to your child's school: email Jennifer Pringle at jpringle@advocatesforchildren.org Education specialist helpline, Monday - Thursday 10am-4pm 866-427-6033 or send a message: https://www.advocatesforchildren.org/get_help/helpline/send_us_a_message Students in Temporary Housing Tip Sheet: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing.pdf?pt=1 Spanish Version: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing_spanish.pdf?pt=1 CAMBA, Inc. https://camba.org/ info@CAMBA.org Education and Youth Development https://camba.org/program/educationyouthdevelopment/ Education Center College & Career Prep Community Centers After-School and Summer Programs Community Schools Young Adult Support Mental Health Better Help Teen Mental Health Resources https://www.betterhelp.com/advice/teenagers/ Talk It Out Mental Health Counseling PLLC Talkitoutcounselingservices@gmail.com Tracey Liang M.S, LMHC, NCC, C-DBT Interborough development and consultation center Psychotherapist Address: Coney Island Clinic IDCC Medical Building 2846 Stillwell Ave Brooklyn, Ny 11224 Tel: (718)975-4888 FAX: (718)975-2286 Email: tliang@interboro.org Website: www.interborough.org Languages: English, Cantonese, Mandarin Pantries Louise Pantry - Lower Eastside Tuesdays at 9:00 am Address: 206 East 4th Street (blue door) Telephone: (646)713-2681 Louises Pantry - the Bronx Wednesdays at 7:30 am Address: 406 east 184th St, Bronx, NY Telephone: (646) 713-2739 Contact info: 519 East 11th Street, NY, NY 10009 info@nazarethhousingnyc.org (212) 777-1010 (347) 396-3165 Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA®, dives into the importance of maintaining the right mindset on election day and how political outcomes can affect investment decisions. Drawing from her experiences with clients during past elections, Melissa discusses how political shifts often trigger anxiety and the impulse to react quickly—yet emphasizes the crucial value of focusing on a long-term perspective in investing. Melissa highlights how conventional wisdom about political impacts on markets can often be misleading, noting surprising areas of growth in sectors like alternative energy, despite changing administrations. She also provides actionable strategies to help listeners manage stress, stay focused on what they can control, and adopt a "glass half full" approach to economic growth, especially with the upcoming election on the horizon. Listen and Learn: How to set a stable, positive mindset on election day. The ways political changes influence investor emotions and decisions. Why maintaining a long-term investment focus is key, regardless of short-term political shifts. The unpredictable nature of market reactions to elections and why conventional wisdom often falls short. The benefits of staying invested across administrations for long-term financial success. Practical strategies for managing stress and staying resilient through uncertain times. Join Melissa for an empowering discussion on how a well-thought-out investment process, combined with a positive outlook, can help you navigate economic challenges with confidence. The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
Ever wondered how to manage your hair care routine without stretching your budget too thin? In this episode of the Women's Money Wisdom Podcast, Melissa Joy, CFP®, CDFA® sits down with Jessica Hawkins, a top stylist and trainer at HJem Beauty, to break down the secrets to smarter hair care budgeting. Jessica shares her expert advice on how to seamlessly weave personal care expenses into your financial plan while still enjoying the hair care you deserve. Jessica dives into the art of open conversations about hair maintenance costs, offering practical tips whether you're a frequent salon-goer or someone who prefers the occasional visit. She'll help you feel confident in making informed financial decisions, all while keeping your hair looking fabulous. Listen and Learn: How to approach personal care budgeting, especially when it comes to hair maintenance. Expert advice on maintaining blonde hair without breaking the bank. Pros and cons of home color applications as a cost-saving alternative. A sneak peek at the upcoming hair trends for winter 2024-25 and how economic factors may influence your salon booking decisions. Join us for a practical and engaging conversation, packed with beauty wisdom and financial savvy. Whether you're balancing a high-maintenance hair color or just curious about the latest trends, this episode offers valuable insights from the vibrant world of HJem Beauty. Tune in to discover how to stay gorgeous while making smart financial choices for your personal care! Resources:Follow Jessica on Instagram HJem's Instagram The average woman spends $877 on beauty – survey The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https://stephenPearl Planning.com/
⚠️ Sensitive Content: Discussions on domestic violence and abuse. This week, we are joined by Michelle, a survivor of domestic violence (DV), who works with New Destiny Housing. She shares about her experience with DV, living in a shelter, the impact on her son, and how they got support. Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES New Destiny Housing https://newdestinyhousing.org/ 646-472-0262 New Destiny Housing Resource Center - https://newdestinyhousing.org/housing-help/ The Bridge Project supports healthy development for babies by providing mothers with consistent, unconditional cash on a biweekly basis. About the Bridge Project - https://bridgeproject.org/our-work/Bridge Project Application - https://bridgeproject.org/apply/ Family Justice Centers - Provides free services and confidential services for victims and survivors of domestic and gender-based violence. https://www1.nyc.gov/site/ocdv/programs/family-justice-centers.page (includes locations and phone numbers) 24-hour DV Hotline: 800-621-HOPE (4673) HRA Domestic and Gender-Based Violence Support - https://www1.nyc.gov/site/hra/help/domestic-violence-support.page NYC HOPE Resource Guide to help you or loved one experiencing domestic or gender-based violence - https://www1.nyc.gov/nychope/site/page/home Safe Horizon Victim assistance organization operating a network of programs across New York City communities. They assist survivors of all forms of violence. https://safehorizon.org Crime Victims Hotline: 1-866-689-HELP SafeChat offer information, advocacy and support: https://www.safehorizon.org/safechat/ Other resources: https://www.safehorizon.org/am-i-being-abused/ 24-hour Hotlines: Safe Horizon's 3 Hotlines: DV - 1-800-621-HOPE Rape and Sexual Assault - 212-227-3000 Crime Victims - 1-866-689-HELP NYC Anti-Violence Project (AVP) (specialize in working with LGBTQ+ survivors) - 212-714-1141 Violence Intervention Project (specialize in working with Latinx survivors) - 1-800-664-5880 Womankind (specialize in working with Asian survivors) - 1-888-888-7702 Resources & Services for Orders of Protection WomensLaw Legal Information on Restraining Orders NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
⚠️ Sensitive Content: Discussions on domestic violence (DV) and abuse. We continue this week with Shamara o Sisters in Purple, a collective of survivor/thriver-led DV organizations and advocacy groups advocating to make laws and strengthen policies and practices to prevent abuse and protect victims, survivors, thrivers, and their families. About Sisters in Purple - https://gottostopllc.com/sisters-in-purple Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES New Destiny Housing https://newdestinyhousing.org/ 646-472-0262 New Destiny Housing Resource Center - https://newdestinyhousing.org/housing-help/ Family Justice Centers - Provides free services and confidential services by phone and in person for victims and survivors of domestic and gender-based violence. https://www1.nyc.gov/site/ocdv/programs/family-justice-centers.page (includes locations and phone numbers) 24-hour Domestic Violence Hotline: 800-621-HOPE (4673) HRA Domestic and Gender-Based Violence Support - https://www1.nyc.gov/site/hra/help/domestic-violence-support.page NYC HOPE Resource Guide to help you or loved one experiencing domestic or gender-based violence - https://www1.nyc.gov/nychope/site/page/home Safe Horizon Victim assistance organization operating a network of programs across New York City communities. They assist survivors of all forms of violence. https://safehorizon.org Crime Victims Hotline: 1-866-689-HELP SafeChat offer information, advocacy and support: https://www.safehorizon.org/safechat/ Other resources: https://www.safehorizon.org/am-i-being-abused/ 24-hour Hotlines: Safe Horizon's 3 Hotlines: DV - 1-800-621-HOPE Rape and Sexual Assault - 212-227-3000 Crime Victims - 1-866-689-HELP NYC Anti-Violence Project (AVP) (specialize in working with LGBTQ+ survivors) - 212-714-1141 Violence Intervention Project (specialize in working with Latinx survivors) - 1-800-664-5880 Womankind (specialize in working with Asian survivors) - 1-888-888-7702 Resources & Services for Orders of Protection WomensLaw Legal Information on Restraining Orders Talk It Out Mental Health Counseling PLLC Talkitoutcounselingservices@gmail.com NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
⚠️ Sensitive Content: Discussions on domestic violence and abuse. As we recognize Domestic Violence Awareness Month in October, we are joined by Shamara Kelly with Sisters in Purple, a collective comprised of survivor/thriver-led domestic violence organizations and advocacy groups advocating to make laws and strengthen policies and practices to prevent abuse and protect victims, survivors, thrivers, and their families. About Sisters in Purple - https://gottostopllc.com/sisters-in-purple Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES New Destiny Housing https://newdestinyhousing.org/ 646-472-0262 New Destiny Housing Resource Center - https://newdestinyhousing.org/housing-help/ Family Justice Centers - Provides free services and confidential services by phone and in person for victims and survivors of domestic and gender-based violence. https://www1.nyc.gov/site/ocdv/programs/family-justice-centers.page (includes locations and phone numbers) 24-hour Domestic Violence Hotline: 800-621-HOPE (4673) HRA Domestic and Gender-Based Violence Support - https://www1.nyc.gov/site/hra/help/domestic-violence-support.page NYC HOPE Resource Guide to help you or loved one experiencing domestic or gender-based violence - https://www1.nyc.gov/nychope/site/page/home Safe Horizon Victim assistance organization operating a network of programs across New York City communities. They assist survivors of all forms of violence. https://safehorizon.org Crime Victims Hotline: 1-866-689-HELP SafeChat offer information, advocacy and support: https://www.safehorizon.org/safechat/ Other resources: https://www.safehorizon.org/am-i-being-abused/ 24-hour Hotlines: Safe Horizon's 3 Hotlines: DV - 1-800-621-HOPE Rape and Sexual Assault - 212-227-3000 Crime Victims - 1-866-689-HELP NYC Anti-Violence Project (AVP) (specialize in working with LGBTQ+ survivors) - 212-714-1141 Violence Intervention Project (specialize in working with Latinx survivors) - 1-800-664-5880 Womankind (specialize in working with Asian survivors) - 1-888-888-7702 Resources & Services for Orders of Protection WomensLaw Legal Information on Restraining Orders Talk It Out Mental Health Counseling PLLC Talkitoutcounselingservices@gmail.com NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
This week, we are joined by K who entered shelter as a teen while his mother was in the process of transitioning back into the community after incarceration. Email or DM Hear Our Voices to share your story or resources related to homelessness and housing instability: NYCHearOurVoices@gmail.com Hear Our Voices' Twitter, Instagram, and TikTok account links can be found on Linktr.ee/nyc_hov. RESOURCES NYC311 https://portal.311.nyc.gov/ DHS' Prevention Assistance and Temporary Housing (PATH) intake center - apply for shelter https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page Brochure https://www.nyc.gov/assets/dhs/downloads/pdf/path-brochure.pdf HRA Guide for Housing Instability https://www.nyc.gov/assets/hra/downloads/pdf/BK-9-SOI-NewGuideForRenters.pdf Education Advocates for Children https://www.advocatesforchildren.org/ Contact info for STH Regional Managers: https://www.schools.nyc.gov/school-life/special-situations/students-in-temporary-housing Contact info shelter-based STH Family Assistants and school-based STH Community Coordinators: https://bit.ly/STHStaff Help requesting a shelter transfer to be closer to your child's school: email Jennifer Pringle at jpringle@advocatesforchildren.org Education specialist helpline, Monday - Thursday 10am-4pm 866-427-6033 or send a message: https://www.advocatesforchildren.org/get_help/helpline/send_us_a_message Students in Temporary Housing Tip Sheet: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing.pdf?pt=1 Spanish Version: https://www.advocatesforchildren.org/sites/default/files/library/students_in_temporary_housing_spanish.pdf?pt=1 CAMBA, Inc. https://camba.org/ info@CAMBA.org Education and Youth Development https://camba.org/program/educationyouthdevelopment/ Education Center College & Career Prep Community Centers After-School and Summer Programs Community Schools Young Adult Support Mental Health Better Help Teen Mental Health Resources https://www.betterhelp.com/advice/teenagers/ Talk It Out Mental Health Counseling PLLC Talkitoutcounselingservices@gmail.com Tracey Liang M.S, LMHC, NCC, C-DBT Interborough development and consultation center Psychotherapist Address: Coney Island Clinic IDCC Medical Building 2846 Stillwell Ave Brooklyn, Ny 11224 Tel: (718)975-4888 FAX: (718)975-2286 Email: tliang@interboro.org Website: www.interborough.org Languages: English, Cantonese, Mandarin Pantries Louise Pantry - Lower Eastside Tuesdays at 9:00 am Address: 206 East 4th Street (blue door) Telephone: (646)713-2681 Louises Pantry - the Bronx Wednesdays at 7:30 am Address: 406 east 184th St, Bronx, NY Telephone: (646) 713-2739 Contact info: 519 East 11th Street, NY, NY 10009 info@nazarethhousingnyc.org (212) 777-1010 (347) 396-3165 Housing Vouchers Section 8 https://www.nyc.gov/site/nycha/section-8/about-section-8.page CityFHEPS https://www.nyc.gov/site/hra/help/cityfheps.page FHEPS https://www.nyc.gov/site/hra/help/fheps.page Special One-Time Assistance (SOTA) https://www.nyc.gov/site/hra/help/sota.page Check out other resources: bit.ly/40pB4p8
Next episode is the 200th, therefore this is the 199th. I raid the 66 pages of ideas for episodes I have been keeping for nearly a decade, and present to you 199 that I have not yet made into podcasts (except for this one). Find the episode's transcript, plus more information about the topics therein, at theallusionist.org/199ideas. NEWSLUSIONIST: The new Allusionist live show Souvenirs is on tour in the UK right now! Rush to theallusionist.org/events for tickets and dates. And if you fancy concocting a quiz question for the imminent 200th episode, go to theallusionist.org/quiz to submit it; your deadline is 6 September 2024. To help fund this independent podcast, take yourself to theallusionist.org/donate and become a member of the Allusioverse. You get regular livestreams with me and my collection of reference books, inside scoops into the making of this show, watchalong parties eg the new season of Taskmaster featuring my brother Andy, and the company of your fellow Allusionauts in our delightful Discord community. This episode was produced by me, Helen Zaltzman, with music and editorial assistance from Martin Austwick of palebirdmusic.com. Find @allusionistshow on Instagram, Facebook, Threads, Bluesky, TikTok, YouTube etc. Our ad partner is Multitude. If you want me to talk about your product or thing on the show, sponsor an episode: contact Multitude at multitude.productions/ads. This episode is sponsored by: • Home Chef, meal kits that fit your needs. For a limited time, Home Chef is offering Allusionist listeners eighteen free meals, plus free shipping on your first box, and free dessert for life, at HomeChef.com/allusionist.• Squarespace, your one-stop shop for building and running your online empire/new home for your cryptic puzzle that takes months to solve. Go to squarespace.com/allusionist for a free 2-week trial, and get 10 percent off your first purchase of a website or domain with the code allusionist. • Bombas, whose mission is to make the comfiest clothing essentials, and match every item sold with an equal item donated. Go to bombas.com/allusionist to get 20% off your first purchase. • LinkedIn Ads convert your B2B audience into high quality leads. Get $100 credit on your next campaign at linkedin.com/allusionist.Support the show: http://patreon.com/allusionistSee omnystudio.com/listener for privacy information.
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