Podcasts about curo

In this episode, we talk about how we can receive graces by making a spiritual pilgrimage to Nazareth. We reflect on the Holy Family, how they teach us to love well, and how they show us how to build a family that heals and transforms its members. We also discuss the sanctification of the ordinary, how life is found in doing our daily duty well, and how to dialogue with others. Nazareth is a place of love, and we invite you to use your imagination and make the journey with us.    Heather's One Thing - Discovering your God-given Identity Course  Heather's Other One Thing - Memorize Scripture by Jackie Angel Sister Miriam's One Thing - Last Paragraph of Pope Benedict XVI's Inaugural Homily Michelle's One Thing - Everyone who experienced the loss of home from a natural disaster. We are praying for you.   Other Resources Mentioned:  For any alumni of the JPII Healing Center's Holy Desire retreat, Jake Khym is offering a free online course “The Freedom Series: Journeying with Holy Desire”   Announcement: Join us for our Lenten Study beginning March 5th, 2025 as we journey through “Jesus and the Jubilee: The Biblical Roots of the Year of God's Favor“ by Dr. John Bergsma. We look forward to sitting at the feet of a leading scholar as we unpack what the Lord has in store for us in the year of Jubilee. Order your copy at the St. Paul Center with promo code “ABIDE15” for 15% off. Amazon has very limited copies, so we recommend you order from St. Paul Center to ensure you receive your copy before Lent begins!   Journal Questions: Have I ever prayed about life in Nazareth? How can I experience Nazareth in an ordinary way? Where do I need to be transformed in family life? Spend time this week meditating on life in Nazareth. How did I encounter the Holy Family in my meditation? When are the times that I want to rebuke and accuse others? Do I want holiness and transformation more than being right?   Discussion Questions: What renewal and transformation do you need to experience in Nazareth? How do you see ordinary life as the path to sanctification? How do you see ordinary life as an obstacle to sanctification? Where are you in bondage within family life? How can you allow an encounter of Nazareth to set you free from that bondage?   Quote to Ponder: “Pilgrimages are a call to return to the roots of our faith. Nazareth, where Jesus lived His hidden life, is a place that invites us to reflect on our own journey. It is not only a place of memory but also a place of renewal and transformation.” (Pope Francis, Homily, Mass at the Basilica of the Annunciation, 2014)   Scripture for Lectio: “And he went and lived in a town called Nazareth. So was fulfilled what was said through the prophets, that he would be called a Nazarene.” (Matthew 2:23)   Sponsor - CMF CURO: Embrace the Wholeness God Desires for You Are you looking for a community of Catholics that is open to Christ's healing love, prays together and is striving for excellence in spirit, mind and body? We know it can be hard to find that. That's why CURO offers its Belong, Thrive and Share communities.   As a listener of Abiding Together, we're excited to offer you a free session of Catholic spiritual direction or personalized wellness coaching.  We're confident that you'll love your time with our trained and experienced coaches and spiritual directors. Our members can't stop saying how grateful they are to grow closer to Christ, form new habits and progress in virtue.  If online is your thing, then check out the Belong wellness portal with a free 30-Day trial. It's designed to help you learn your strengths, discover areas to grow in, and lets you sync with your smart device to seamlessly track your progress towards your goals.  To sign up or learn more just visit: cmfcuro.com/abiding.    Timestamps: 00:00 - CMF CURO 01:37 - Intro 02:30 - Welcome 04:30 - Rest in Nazareth 06:45 - How Do We Go to Nazareth? 11:57 - Spiritual Pilgrimage of Hope 13:31 - The Sanctification of Ordinary Life 15:34 - We Find a Love that Heals 18:00 - A Place to Dialogue 20:39 - Bringing Our Littleness to Nazareth 24:07 - An Encouragement to Try 24:37 - A Place of Astonishment and Wonder 28:50 - One Things

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Meditación sobre las lecturas del domingo (A), y el lunes (B y C) de la XVIII semana del Tiempo ordinario. Jesús se retira tras el asesinato de su primo Juan, buscando la soledad, pero una multitud le sigue. Al desembarcar, Jesús la ve, se compadece y cura a los enfermos. Saber que Dios se compadece de nuestras necesidades y sufrimientos es fuente de esperanza.

Carlos Antonio Vélez, en sus Palabras Mayores del 17 de junio de 2024, habló del partido amistoso de Colombia ante Bolivia. También hizo un paralelo con la Eurocopa y se refirió a la final de la Liga Betplay entre Independiente Santa Fe y Atlético Bucaramanga.

Ya no saben ni que más inventar... ahora el espíritu de Pancho Villa cura personas...

Reflexiones sobre la liturgia dominical dirigidas por Tais Gea.

Il Centro italiano per la promozione della mediazionesi occupa del trattamento degli autori di reati come maltrattamento, violenza domestica e sessuale, stalking e femminicidio. Qui la «redenzione» degli uomini diventa prevenzione: i dati dicono che chi si fa aiutare ha meno probabilità di delinquere di nuovo. Ma, come spiega Elisa Campisi, c'è ancora molta strada da fare.Per altri approfondimenti:Aumentano le donne che si rivolgono ai centri antiviolenza. Il 73% degli aguzzini è italianoGiornata contro la violenza sulle donne: le dieci domande (e risposte) per capire e combattere insiemeI dati Istat sulla violenza contro le donne: 1 uomo su 5 crede che il modo di vestire possa essere provocatorio

In questa puntata di Dica 32, intervistiamo Gianfranco Falcone, psicologo, persona con disabilità, attivista del Disability Pride Network e, come al nostro solito, con lui spaziamo tra diversi argomenti a ruota libera. #attivismo, #libertà, #contenzione e molto altro ancora in questa lunga intervista realizzata per raccontare il recente Disability Pride svoltosi a Milano e interrogarci sui tanti temi emersi durante la manifestazione. "Milano gode ottima stampa ma se devi girarci in carrozzina della buona stampa non ti importa poi più di tanto" dice Gianfranco. E su questo argomento, nella prossima puntata, avremo ai nostri microfoni Andrey Chaykin, attivista e promotore, con 'Abbatti le Barriere', del disability Pride Milano."Esiste una cosa che si chiama Peba, il Piano di eliminazione delle barriere architettoniche - spiega l'organizzatore della manifestazione, Andrey Chaykin - Molti comuni l'hanno adottato in questi anni, ma spesso resta una risorsa sterile, che non produce effettivi benefici per i cittadini disabili. Accade purtroppo anche, e ancora, a Milano, dove i mezzi pubblici sono spesso inaccessibili, e dove il gradino di un marciapiede spesso diventa un ostacolo insormontabile per chi è in carrozzina e vorrebbe essere autonomo. Perché per le grandi opere come Expo, o come le Olimpiadi nel 2026, si spendono milioni di euro, e invece per l'integrazione delle persone con disabilità si investe così poco?" (Per approfondire, clicca qui).Con Gianfranco parleremo di questo e altro, a modo nostro. Un modo un pò disordinato, ma libero, autentico. A seguire una piccola bio dell'ospite di oggi. "Mi chiamo Gianfranco Falcone. Sono nato nel 1961 e vivo a Milano. Da giovane ho viaggiato molto: Europa, Asia, Medio Oriente, States. Ho fatto i mestieri più disparati: imbianchino, pizzaiolo, lavapiatti, giornalista, educatore nel mondo della disabilità, e poi educatore di strada con i ragazzi del carcere minorile. Mi sono fermato e mi sono laureato in Filosofia. Ho insegnato nelle scuole elementari, dove ho aperto e gestito per anni uno sportello psicopedagogico. Ho lavorato come psicoanalista laico.Nel 2014 sono stato colpito da una malattia rara: la Guillaine Barré, che mi ha mandato in coma e reso tetraplegico. Ho passato tre anni in ospedale e mi sono laureato in psicologia.Lavoro come psicologo. Non ho figli e non sono sposato. Sono in carrozzina, non cammino e le mie mani funzionano solo al dieci per cento.E allora? Vi sembra un buon motivo per stare a casa? A me no. Per questo ho affrontato nel 2019 il mio primo viaggio in carrozzina insieme a un amico in direzione Berlino e Oslo. In cerca di avventura ho viaggiato anche in solitaria. Da solo sono stato a Catania, Roma, Palermo.Ho pubblicato diversi libri, a volte con lo pseudonimo di Mario Mascaro.Il mio ultimo romanzo si intitola 21 volte Carmela, pubblicato con Morellini. Con Prospero Editore è uscito il dialogo teatrale Amori a rotelle, presente nell'antologia Ci sedemmo dalla parte del torto.Curo il blog Viaggi in carrozzina sul settimanale L'Espresso, scrivo per la rivista on line mentinfuga, collaboro con la testata Left, il quotidiano il manifesto, e fotograficamente con Canon."

Trecho: Pr Leonardo Sale - Teu Machucado Eu Curo

Práctica (137) Cuando me curo no soy el único que se cura. (138) El Cielo es la alternativa por la que me tengo que decidir. --- Support this podcast: https://podcasters.spotify.com/pod/show/dany-atma/support

We talk about Karol G, who made a song that Hannah actually liked (a rare phenomenon) even while saying repeatedly that she doesn't have an ear for spanish, whatever that means! We discuss "affirmative language", words like "yes", and in Spanish "si". Some alternatives like aye, roger, yeppers, uh-huh, nodding.... Is nodding an instinctive action? Darwin thought so. We'll tell you all about it. And did you know that many languages do not have a word for yes? In Eurovision we discuss our favorites and other thoughts on all the contestants ahead of the contest which will have already happened by now for you listeners. This episode's ad is the Moustachio Podcastio. You can find them here or anywhere you get podcasts: https://podcasts.apple.com/us/podcast/the-moustachioed-podcastio/id1516217740 Find lots of other great podcasts at our podcast network at podmoth.network

Drones can potentially transform many industries and provide a range of benefits to businesses.  Established in 2012, Sphere Group (‘Sphere Drones, Curo, Paris Radio') is an Australian robotics technology (airborne, land borne, waterborne) communication. Third-generation Paris Cockinos is the CEO of a team of 35 people across Australia, New Zealand and the Philippines.  Sphere Group uses drones to build safer work practices, visualise and inspect the uninspected and at least realise unparalleled business process efficiencies using air, land and water roving technologies.  Join the Facebook Group. Follow Mark Bouris on Instagram, LinkedIn & YouTube. See omnystudio.com/listener for privacy information.

Il commento del Direttore Roberto Sommella sull'intervista della Premier Giorgia Meloni rilasciata in esclusiva a MF – Milano Finanza. Tra i temi affrontati, la situazione dei mercati dopo i primi mesi del nuovo esecutivo, il lavoro, il Consiglio dei Ministri fissato per il 1° maggio, le banche, il PNRR, il superbonus e tanto altro. Learn more about your ad choices. Visit megaphone.fm/adchoices

In questo video spiego degli esercizi con cui faccio auto-terapia e guarigione.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Pr Leonardo Sale - Teu Machucado Eu Curo

O escuro pode ser assustador ou maravilhoso, tudo depende de como você olha para ele. Curo no Escuro é o primeiro episódio da primeira temporada do ZIP Podcast, um programa de contação de histórias para crianças, que vai te encantar, e estimular a sua imaginação. Para a hora de dormir ou em qualquer outra hora, ajudamos os cuidadores a criar conexões com suas crianças. Instagram - https://www.instagram.com/zip.podcast/ Email - o.zip.podcast@gmail.com Site - zippodcast.com.br Criação - Alberto Naar e Marcela de Holanda Direção - Marcela de Holanda Dramaturgia e Contação - Alberto Naar Abertura - Marcela de Holanda, Marina, Diana e David Produção - AlMa Cultural Edição - AlMa Cultural No site do projeto você encontra a história inteira escrita, para você ler para a sua criança ou para você que não consegue ouvir, mas sabe ler. Se você tem interesse em fazer uma parceria, entre em contato através do e-mail almaculturalprodutora@gmail.com com a sua proposta. Esta é uma história de nossa autoria. Se você quiser utilizá-la para quaisquer fins comerciais entre em contato conosco.

Hola chiquirriqui, welcome to mis audios de ASMR espero que te relajes mucho con mi voz. Si quieres estar más cerca de mi sígueme en INSTAGRAM @MerithArandaa Besitos. --- Support this podcast: https://podcasters.spotify.com/pod/show/merithasmr/support

Pr Leonardo Sale - Teu Machucado Eu Curo

Sono pippo google maps. Apparirà con una scheda migliore. Registro la telefonata cosi' potra' farmi solo il bonifico, le mandiamo a breve la fattura.Bravi. Proprio Bravi. Avvisate i vostri clienti.Certi soggetti usano i nomi di Google, Microsoft, Apple, Facebook come nella migliore tradizione italiana che rovina i meno esperti.Ma rischiano grosso.Volete avere spazio su Google: fate una campagna adwords. Valutate i costi e non dimenticate che oggi Google conta meno di un tempo, e nei settori di nicchia i clienti vengono da altri percorsi.

Per il testo, iscriviti a https://italianoconletteratura.substack.com

Jay Thakkar is focused on M&A and Strategy at Curo Pet Care, a family-owned veterinary services company based in San Francisco with operations in the Bay Area, Pacific Northwest, and Rocky Mountains. Before joining Curo, Jay previously worked as an investment banking analyst at Merrill Lynch. He worked as an Infrastructure & Real Assets Associate at Pantheon Ventures. Following that, he joined Platinum Equity as a Private Equity Associate and got promoted to Senior Associate. Jay received a B.B.A. in Business Honors from Texas McCombs School of Business. The moderator is our very own Rohit Malrani, Co-Founder of OfficeHours and formerly SourceScrub and Battery Ventures. This episode covers topics such as: Day in the Life How did you make the transition from IB to PE then Corp. Dev.? Why did you choose Curo? What attracted you to Curo compared to others? How was your time with prior institutions before entering the veterinary industry? Market Analysis — what are you seeing in the market when it comes to comparable transactions/assets? What's your recommended advice for anyone looking to break into IB, PE, or Corp. Dev? Learn more about OfficeHours here: https://getofficehours.com. Sign-up to be considered as an OfficeHours Mentee here: https://getofficehours.com/submit-application

Owain a Malcolm sy'n trafod Manchester United yn curo Lerpwl a phroblemau Abertawe.

Este programa está producido por el Centro Transpersonal de Buenos Aires, www.centrotranspersonal.com.ar Para proponer algún tema, te sugerimos primero googlearlo con el nombre de Virginia y las palabras principales al respecto, para ver si se desarrolló con anterioridad; si aún no hubiera sido tratado, podrás enviar tu pregunta (por ESCRITO y BREVE) al WhatsApp +54 9 2323 52-6497. Encontrarás audios anteriores y videos en el Canal de YouTube del Centro Transpersonal de Buenos Aires, (al que también tendrás la posibilidad de suscribirte). También estamos en Spotify y en nuestra web encontrarás textos disponibles en el sector “Material Gratuito”. Virginia Gawel es Licenciada en Psicología desde 1984, especializada en la integración de las Psicologías de Oriente y Occidente, Directora del Centro Transpersonal de Buenos Aires www.centrotranspersonal.com.ar Es miembro ejecutivo del Directorio de la International Transpersonal Association, docente, conferencista y escritora, autora de “El fin del autoodio”, publicado por Editorial El Ateneo. Rosita Hernández es Locutora Nacional (egresada del ISER, institución pionera en Sudamérica). Es también maestra de ceremonia y conductora de eventos culturales. Este programa se emite desde Argentina por FM Nuestra, 91.7 Mhz.. Fecha de esta emisión: Agosto de 2022.

Por Irineu Deliberalli Esse podcast faz parte da série de programas que o Irineu Deliberalli realiza todas as segundas-feiras ao vivo também pelo Instagram e pelo Youtube. Lançamento do livro "A Matrix Emocional. Nossas Múltiplas Memórias. Como nossas vidas passadas interferem na nossa Vida Presente! Clique aqui para comprar o Livro: https://www.bit.ly/matrixemocional Saiba mais sobre a Aldeia Rosa Dourada: Instagram: https://instagram.com/aldeiarosadourada Playlist Xamânica no Spotify: https://open.spotify.com/playlist/1Q3wjrxTRpHFj4fIrbtLN6 Facebook: https://www.facebook.com/aldeiarosadourada Podcasts no Soundcloud: https://soundcloud.com/user-141947571 Podcasts no Spotify: https://open.spotify.com/show/37GWCpDHeo3CRqJXpgvP3e Podcasts no Deezer: https://deezer.com/en/show/901432 Podcasts no Apple Podcasts: https://bit.ly/aldeiapodcast Acesse o site da Aldeia e fique por dentro das datas de rituais, PodCasts, PLaylists Xamânicas, depoimentos, etc: Aldeia Rosa Dourada - www.aldeiarosadourada.org.br

Para adquirir mis libros presiona el siguiente link https://bit.ly/2oL115w o escribe un correo electrónico a librospadolfo@gmail.com ️ Apóyame con un café: Moneypool: https://bit.ly/apoyopadolfolc PayPal: https://bit.ly/apoyopadolfolcpp ️ ¿Quieres conocerme más? Soy el padre Adolfo Güémez, LEGIONARIO DE CRISTO. La Legión de Cristo es una congregación religiosa a la cual fui llamado a mis 19 años, atraído por su espiritualidad cristocéntrica, llena de amor a María y a la Iglesia, fidelidad al Papa y un fuerte anhelo de que Cristo Reine en el corazón de los hombres, de las familias y de la sociedad. ¿Deseas saber más de los Legionarios de Cristo? http://legionariosdecristo.org/ ️ ¿Sientes un posible llamado a la vocación en la Legión de Cristo? https://legionariosdecristo.org/ser-legionario/ ¿Te gustaría conocer y/o participar de este carisma desde tu vocación laical? https://www.regnumchristi.org/es/contacto/ SUSCRÍBETE A MI CANAL DE YOUTUBE: https://bit.ly/2WBr5hi --- Send in a voice message: https://anchor.fm/padolfolc/message

Músicas para mover o corpo antes de meditar. SPOTIFY: https://open.spotify.com/user/22s7oqbw2ofoyxmvo7wrzw2rq/playlist/1xdSLOlopi64wWorVItMqe?si=jEeS12XnTzmJeErzINLjYQ SOUNDCLOUD: https://soundcloud.com/osol_bhaskar/sets/o-corpo-no-sol/s-cXLIx

Kanuri Manga - "Noah(English)".mp3 // Yahaya 1 1 Badiduramnin Kalma, Kalmadǝ Ala-a rokko, Kalmadǝ Ala kǝlanjudǝma. 2 Badiduramnin Ala-a rokko kasarga. 3 Awiso tiyelan alaktǝna. Curo awo alaktǝnadǝ sammayen, tiyen gǝnia, awo alaktǝna falma bawo. 4 Tilan ro kǝrga, rodǝ tima nur kambe wo. 5 Nurdǝ curo duwuyen yiyilji, amma duwudǝ tia cǝmowonni. 6 Kam laa Ala cunodǝna mbeji, cunju Yahaya. 7 Tidǝ shedaro kadio. Am samma tiyelan kasaccaro, nurdǝa shedajoro kadio. 8 Ti kǝlanju gǝni nurdǝ wo, amma nurdǝa shedajoro kadio. 9 Nur adǝ tima nur jireye wo, duniaro ise am sammaa wassimadǝ. 10 Tidǝ dunialan duwon, duniadǝ ye tiyelan alaktǝna yaye, duniadǝ tia nojǝnni. 11 Na jamanjuyero kadio, amma jamanju tia camowonni. 12 Amma am duwon tia camoye cunju kasaccanamasodǝro kǝnduwo tadawa Alayero walduye kaino. 13 Tayidǝ buyen gǝni, bi kǝrawo tiyiyen gǝni, bi kǝrawo kamben gǝni, amma Alayen katambǝra. 14 Kalmadǝ kambo walje dawunden napkeno. Ti jauro serra ye, jirea ye. Koro darajanjua ruiyena, daraja duwon daraja Tada tilo lok na Bawayen isǝnayedǝ gai. 15 Yahaya tia shedaje kowo sapce: «Tima kam kǝlanjun wuye: “Kam ngawonin isidǝ wua kosǝna, wun burwonno ti mbeji nangaro,” wullǝkkǝnadǝ.» 16 Barga dǝptuwunju dama bawodǝro andi samma ser cinju bawo kiwandiye. 17 Wadadǝ Nawi Musayen kadio, amma ser-a jire-adǝ Isa Almasiwuyen kadira. 18 Wunduma ngalte Alaa curuna bawo, amma Tada tilo lok, tidǝ Ala ye, na Bawayen dǝganama ye, tima Aladǝa andiro isanosaa. 19 

Mae'r Sgarmes Ddigidol yn troi'r lens tuag at gêm y Menywod wrth i Natalia John ac Elinor Snowsill ymuno â Heledd Anna i drafod penwythnos campus ym Mhencampwriaeth y Chwe Gwlad. From the disappointment of the Men's campaign to opening-round triumph for the Women! Heledd Anna joins camp to discuss the fantastic victory in Ireland.

Escucha esta y más entrevistas en vivo a través de mi Plataforma web www.marielatv.com y en #FmRadioFuego 106.5 FM de Lunes a Viernes de 11 am - 1 pm. No olvides que también lo puedes escuchar online a través de nuestra app de "Radio Fuego".

Mr. Curo was baptized at nine years old in 1983. Steve started preaching for a Spanish-speaking congregation at 17 years old in San Diego. Mr. Curo studied at Harding after which he preached in Arkansas in 1995. Mr. Curo has done short-term mission work in Central and South America. Steve is the full-time minister for the Spanish-speaking congregation in Parker. He is an associate minister for the Parker Church of Christ and the co-director of Singing Youth of Denver. ‭‭2 Timothy‬ ‭2:2‭‭ “The things which you have heard from me in the presence of many witnesses, entrust these to faithful men who will be able to teach others also.” Music from Uppbeat (free for Creators!): https://uppbeat.io/t/mountaineer/check-it-out License code: 6JH6HYU4XVLVL25Zvv --- Support this podcast: https://anchor.fm/meettheministerspodcast/support

Músicas para mover o corpo antes de meditar. SPOTIFY: https://open.spotify.com/user/22s7oqbw2ofoyxmvo7wrzw2rq/playlist/1xdSLOlopi64wWorVItMqe?si=jEeS12XnTzmJeErzINLjYQ SOUNDCLOUD: https://soundcloud.com/osol_bhaskar/sets/o-corpo-no-sol/s-cXLIx

En este episodio, te presento un segmento de la vida de Norman Cousins; el hombre que curó lo "incurable" con humor y ciencia. Es mi intención ayudarte al contarte su historia, exponer algunas de sus enseñanzas y beneficiarte con su legado. draestherquintero@gmail.com www.estherquintero.com

On the newest episode of We Chat Divorce we're speaking with Marianna Goldenberg, the Founder and CEO of Curo Wealth Management in Langhorne, PA. Marianna is a Certified Divorce Financial Analyst (CDFA®). Marianna was just eighteen years old when she left behind the oppression and dangers of living in the Soviet Union, with a mere fifty dollars in her hand. Seeking a better life and a safe place to rebuild where opportunity was the reward for integrity and ambition, she and her immediate family left everything and everyone they knew in Russia for a fresh start in Pennsylvania. Hard work, big dreams, and an undeniable determination to succeed led Marianna to UPenn's Wharton School of Business. At Wharton she earned degrees in mathematics and finance, thus kick-starting the financial career she is so passionate about today.   Learn More >> https://www.curowm.com/ Connect with Marianna Goldenberg on LinkedIn >> https://www.linkedin.com/in/mariannagoldenberg   The We Chat Divorce podcast (hereinafter referred to as the “WCD”) represents the opinions of Shanahan, Chellew, and their guests to the show. WCD should not be considered professional or legal advice. The content here is for informational purposes only. Views and opinions expressed on WCD are our own and do not represent that of our places of work.  WCD should not be used in any legal capacity whatsoever.  Listeners should contact their attorney to obtain advice with respect to any particular legal matter. No listener should act or refrain from acting on the basis of information on WCD without first seeking legal advice from counsel in the relevant jurisdiction. No guarantee is given regarding the accuracy of any statements or opinions made on WCD.  Unless specifically stated otherwise, Shanahan and Chellew do not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned on WCD, and information from this podcast should not be referenced in any way to imply such approval or endorsement. The third-party materials or content of any third-party site referenced on WCD do not necessarily reflect the opinions, standards or policies of Catherine Shanahan or Karen Chellew.    Karen Chellew:           Welcome to We Chat Divorce. Catherine and I are happy to welcome Marianna Goldenberg, CDFA®, to our podcast today. In this episode, we're going to discuss five critical considerations when dividing executive compensation in divorce. But, first, let me take a couple minutes to introduce Marianna. With thirty years of experience, Marianna is founder and CEO of Curo Wealth Management. Curo Wealth Management is a financial planning firm located in Bucks County, Pennsylvania. Curo in Latin means to take care, and this is exactly what they do for a select group of families, women, and busy executives. When it comes to her clients, Marianna takes care of everything relating to their finances. She loves teaching and empowering people to make important decisions for their financial future, helping to set them off on a better path than where they started. Marianna especially loves it when they bring their kids into the conversation so that they can learn, too, and she can help them save for their futures. Welcome, Marianna. Marianna Golden...:    Thank you, Karen. Thank you, Catherine. Delighted to be part of your podcast today. Catherine Shanah...:    Oh, we're so happy to have you. And boy, oh, boy, could we go on and on about this conversation because I don't think that there's a day that goes by that I don't get frustrated of what people overlook when it comes to executive compensation, so this will be a great conversation for people listening. So thanks for coming on board. Marianna Golden...:    Of course. Catherine Shanah...:    You are a wealth of knowledge and often a resource I go to when we're doing our financial portraits to get some more input from you because you really are an expert when it comes to executive compensation. Marianna Golden...:    Thank you. Catherine Shanah...:    It's my pleasure. Karen Chellew:           I completely agree. What would we do without Marianna some days? Catherine Shanah...:    The only thing I think was missing from your intro there, which was a nice long intro, Karen, thank you for that, was when you said, "She looks after families and teaching children." Where are the dogs? Marianna's always including her dog in something. Marianna Golden...:    Absolutely. Karen Chellew:           Lola. Marianna Golden...:    It's a big part of our firm. The board of stress management. Catherine Shanah...:    Oh, yeah. So let's jump into this, five things to consider. I know there's more than that, and we'll tackle five of them today. This is just such a topic that people are afraid of, their attorneys steer away from sometimes, and the individuals, the non-employees, in particular, and even the employees themselves sometimes, a little bit of it is over their heads on what's considered marital and what's not considered marital. So what's the first thing somebody should consider? Marianna Golden...:    That's a great question, Catherine. What's really important to understand is, these days, a lot of companies change the way they reward their employees. They used to have lifetime pensions or cash bonuses, but the employers really tried to tie the success of the company to the compensation that they leave to their employees. Part of that is something that's called long-term incentives or executive compensation, and it's a really involved and very important concept. A lot of times, even the employees themselves don't understand how it works. Then you put divorce on top of that, and you have parties that are not privy to that, and it becomes a very complex issue that we always come across during the divorce and distribution of assets.                                     There are various kinds of long-term care incentive or executive compensation, and the most common ones are restricted stock units, performance stock units, stock options, which are then divided into qualified and non-qualified, and restricted stock units or RSUs for short. Those are the kinds of executive compensation that we normally see. Catherine Shanah...:    And how do you know if your spouse has that? Marianna Golden...:    That's a great question. A lot of times, it's really overlooked because, as part of discovery, attorneys usually ask for tax returns or other documents that don't include this particular type of compensation. Really, if someone works for especially publicly-traded companies and they are of a senior management position, chances are a part of their compensation is executive comp or LTI. The best way to determine if someone has one is obviously to ask, but not everybody is going to be forthcoming in sharing that information. The best way I've found to understand if someone has this type of compensation is ask for a few documents. The first one is a total compensation package, and it's really a printout that the employee gets every year that shows everything that they receive as part of their overall compensation.                                     The second one is to request their 1231 pay stub, and the reason I say 1231 is because different companies have different timing of when their executive compensation gets paid. Some do it in the beginning of the year, some do it in the middle, some do it quarterly, so it's really important. If you request 1231 pay stub, it will show up on that pay stub. It will not show up on W-2. It will not show on tax returns. So those are usually the two main documents that are requested, and if you just have those, you won't know. The other thing that's important, too, is to Google. We all know you can get any answer in Google these days. So part of discovery should be Googling the compensation for the company, and chances are you'll find out a lot about the plans by doing that in conjunction with the rest that I just mentioned. Catherine Shanah...:    I want to just expand a little bit on that 1031, I mean, 1231 pay stub or pay statement or however you want to reference it. So often, Karen and I, when we're putting together the financial portraits for individuals, will hear, "No, I got this pay stub or I got that pay stub," and, "No, they said that we can look at a W-2 with it," or, "What's the big deal? I have this quarter's pay stub." It really is a big deal to get that last year-end statement. There's a lot of valuable information in there, you're saying. Marianna Golden...:    Yep. There is additional bonus that was paid that wasn't outlined before this new project or patent or some kind of additional recognition, all going to show up there. It's such a great source for discovering compensation that wasn't disclosed. Karen Chellew:           And I'm going just going to ask because this is really not my area of expertise, except I'm in the document collection piece a lot. You're identifying the existence of the executive compensation because I know a lot of the other party or the spouse with the executive compensation will say, "Well, it exists. Yes, I agree with that, and here is this spreadsheet defining what the it is." So, to your point, that compensation package is important as to how it plays out. I just wanted to make the differentiation there from the existence of it to the valuation of it that's two different perspectives. Marianna Golden...:    So true, Karen, and it's a really valid point because a lot of people do just what you said, spreadsheets, and this is not a valid document from the company. Something that's called a stock or options ledger, which is the official document from the company, will identify... Once we know there is an existence of the executive compensation, it will be an official record that will identify what particular compensation we're talking about, all the particulars, the dates that they were awarded, the dates that they become available to the employee, and the taxes that will be taken. So it's really a wealth of information as well. Catherine Shanah...:    Can you compare that to a screenshot of someone logging into their net benefits statement on the computer? Is that the actual ledger? Because, often, when we're... Karen, when you're collecting the documents, you'll see the screenshot or someone just logging into their net benefits on a certain date, and it'll show what's vested, what's not vested. Is that the same thing as asking for the company's ledger? Marianna Golden...:    Depends on the screen and depends on the company, but I would say this is a good beginning because in order to be really fully disclosed, right, say, the screenshot is terrific. The other thing that's important is something that's called the summary plan description or SPD because that's going to really spell out the ins and outs of the specific plan. Also, if there are any historical vesting or exercise that happened before, we need those exercise invoice to determine if the actual shares were sold or kept after the vesting. So it'll show us if that happened, when it happened, what was the cost basis of those shares and the taxes withheld. The historical part of that, during marriage, during separation, and then the future are all important parts for the overall picture. Karen Chellew:           I- Catherine Shanah...:    That's great. Karen Chellew:           Yeah. To your point there, too, Marianna, where you said that's a good beginning, I think sometimes it can stop there. As they're collecting documents, they get a couple pieces of paper and say, "Oh, this is a good beginning," whether it's the mediator or the attorney or whoever they're working with, and they assume that as they get closer to the agreement or to the trial or the master's conference or wherever they're going to be hashing out the logistics... No one has gone back to pull that ahead to get all the information. So I know when I'm working with clients, I'm saying, "Let's just get this out of the gate. It's easy to get. If you're getting one thing, you might as well get all of it," so that everybody has that fund of information from which to work. I think that's so important because, by the end of it, if you're not staying on top of it to collect all the relevant information, you've got a lot of information to collect and things get easily overlooked when you're trying to hash out a settlement. Marianna Golden...:    I totally agree. I really believe in saying, "You don't know what you don't know." So in order to have the good understanding, you have to have all the documents and make the conclusions. But then you have the facts. That's what you need. Karen Chellew:           Yeah. Catherine Shanah...:    Yes. And it's much easier to get those facts, to Karen's point, when you're in the process of collecting and you're not getting fatigued by the whole process and just over it. By the time that you really need the facts, you just don't want ... You want to be done with it. So I totally agree with that. What's the next tip, number two, for you to consider? Marianna Golden...:    So we just discussed how do you even know someone has that particular asset. The second one, once you determine if someone does have the executive compensation plan, you really have to understand what it is that you're looking at. As I mentioned, there is various types of executive compensation stock options, restricted stock units, performance stock units, long-term deferred comp. The important thing is to make sure you get a summary plan description for each document and really outline what it is that you're dealing with. If it's stock options, are they incentive stock options or they're non-qualified stock options? What are the terms? When do they vest? When you exercise, do you hold the stock or do you sell the stock?                                     Each award is very different. And I see it a lot in the property settlement agreements where they use the word vested or exercise for the wrong time of the executive plan, so you really want to make sure if it's options, they're vesting and they're exercised. If these are restricted stock units you're talking about, they cannot be exercised. They can only vest, and you have no control with when, where with the stock options, you do have control when you can exercise. So it's very different terminology that gets often mixed up between different awards. So that's- Catherine Shanah...:    Which seems like an easy thing, right? But now you've signed your agreement and you have to make sure that you're able to execute your agreement. So if the language is not properly written, how does that happen? So these are really good points, and I know if you're listening to this podcast right now, your head is probably doing a whole spin-around because you've mentioned a lot of big words like vesting and non-qualified and qualified. So it's really important, I'm hearing you say, to get that summary plan description so that you do not have to be a genius with this but you have to be able to have the document to actually outline what it is that you're doing with it. Marianna Golden...:    That's exactly right because I often see the document that spells something out about the plan, something like let's divide this particular asset in half or the employee can do this or that, and it's really important to know that if your legal document says that you can do something but the document that the plan is based on doesn't allow for it, you can't do anything. The divorce document becomes obsolete if the plan document doesn't allow for a certain transaction. If you don't have the summary plan description that you incorporate into your divorce document, it's not going to work. It's just useless piece of paper at that point, and guess what? You have to go back and negotiate and pay additional fees to get it resolved. Karen Chellew:           That's such a good point, Marianna. I know when we're compiling the MDS portrait for our clients and they have executive compensation, we'll put that in the table of recommendations and considerations. We'll say, "This is what you have, this is what you need, and this is who can help you," because a lot of attorneys frankly aren't financially trained. Of course, it takes a village. It takes a team when getting through any kind of difficult challenges. So even if your attorney may not understand how the executive compensation works or all the nuances of it or the complexities of it, you can take that to your financial planner, just like Marianna, who can help you know how that plays out so that your attorney has the information he or she needs then to get that agreement rock solid for you. Marianna Golden...:    It's so true. I often work with couples where they do have their financial planners but these particular people are not specialized in the executive compensation. So they might say this is what they suggest, but it's not going to be really useful if that's not their specialty. I would highly recommend to talk to your financial professionals and see do you work with executive compensation, do you understand how it works, do you have specific companies and plans that you are really familiar with because although it's a common asset, but each plan might has its own specifics and you need to know those specifics. Catherine Shanah...:    And let me piggyback off of what you were saying, Karen, because let's take a look at the downside to all of this, I guess. So let's just say I'm sitting here and I have this agreement and I'm listening to you guys speak and I say, "Okay, great, my language isn't saying what Karen just said." Now, Marianna, you're my financial planner and I bring you my agreement. Are you going to force me to go back to my ex-spouse to get this plan description because it was never requested before? How are you going to help me if I don't have that information? Marianna Golden...:    That's a really unknown question. It really is because I did have situations where someone comes with a document and says, "Can you help me execute the terms?" It's really hard when the other spouse isn't open or amicable. It's really hard to put it for something that's not spelled out. So it might be case where you need to back and have the agreement rewritten if the other side is not cooperating with the terms. I often recommend for people even to have a separate agreement which is not part of the overall MSA that states how to exactly go about and execute the terms of the executive compensation.                                     Also, a lot of times... And we might talk about it more. A lot of times, you have to understand that the executive compensation is only an asset when it becomes vested. So doing something beforehand, the employee even doesn't own that asset until it's vested, so it might take a couple years before it becomes a real asset. But then the considerations have to be made. Is it an asset subject to support, or is it an asset subject to equitable distribution? You can't double-dip, so that really has to be outlined as well in the property settlement agreement. So it really- Catherine Shanah...:    Oh, boy, do we need to do a... We need another podcast just on that. I know that if you're listening, you might write in and give us some questions on that, and I'm sure Marianna will come back because that's such an important realization to make when you're negotiating. A lot of people don't really want to sit back in that seat and say no. They want to double-dip and the other party doesn't. And to round out what we just said a second ago, if you're listening, whether you're the employee spouse or the non-employee spouse, if you do not want to communicate after the fact, which is in most cases, make sure you give the documentation that's needed now and make sure you ask for the documentation needed now so that you can ensure that the proper language is in your agreement or that you have another agreement, which I love that idea, so that you do not have to communicate on these issues moving forward. Great point there. Marianna Golden...:    Yep. Karen Chellew:           And I'm just going to give a little case, I guess, summary of something that we experienced not too long ago, where the couple had an agreement and, for whatever reason, it said the spouse was supposed to give the other spouse a copy of the W-2. So that didn't happen, but the pay stub what was needed, Marianna, to your point. Marianna Golden...:    Yes. Yes. Karen Chellew:           And they only got the W-2. But the agreement didn't call for the W-2. I mean, the agreement did not call for the pay stub. It only called for the W-2. So that became a real issue because, now, the spouse was without the proper documentation for her accountant to work with. Marianna Golden...:    Yep. And that's the thing. You need to know what to ask for because if you don't know what you don't know, the agreement will not be complete and filed properly. Catherine Shanah...:    I totally agree. Can you all hear me? I thought I lost my audio there. Karen Chellew:           Yes. Catherine Shanah...:    Okay, great. Marianna Golden...:    Nope. Catherine Shanah...:    Sorry for the little delay. Karen Chellew:           Can you hear me, by the way? Catherine Shanah...:    A little low. Karen Chellew:           Okay. Marianna Golden...:    Yep. Catherine Shanah...:    That's a little sidebar there if you're listening to us. It's technical day on Monday, right? So that brings us to your third consideration, which is really, really important, and, boy, I could go on forever about this one. A lot of times, you have an agreement written up or you're negotiating and your attorney or your mediator, they're leading that negotiation and they don't even realize if these awards are transferrable or even dividable. So how do you suggest somebody considers that? Marianna Golden...:    Great question. I do see it quite a bit, where attorneys state in the property settlement agreement that here is options or issues or what have you, and they should be divided 50/50, 60/40, whatever that might be. As I said before, if the summary plan description or plan document does not allow for transferability, which is probably 90% of the time, you can't divide this. It doesn't matter what your document says. So the first thing, what's really important, is to, a., define what you're trying to divide. Don't just say stock option, which is a generic term. Put the stock options for restricted stock units. Attach the ledger that we discussed, which clearly indicates the numbers, what's the grant number, what's the date of the grant, the vesting schedule, and so forth so you have the exhibit outlining that. Then that exhibit should, and we didn't talk about it yet, but that should state what part of those options or issues are marital property and what are not. Because the ledger might show and will show all of them, you have to identify specific lots that are subject to division.                                     Then, if you understand the plan document after you request it, you will know that it has to be done on the specific terms in order to be divided. So, as we mentioned, if they are non-transferrable, the only way you can give the non-employee spouse their portion is by non-employee spouse giving a written authorization to their ex-spouse of the action they wanted to complete. Is it an action of exercising their option after vesting? Do they want to keep the stock after they exercise? Do they want the employee spouse sell the stock and send them the proceeds and how much tax to withhold? So there is a lot of moving parts. They all make sense once you do it once, and they're a specific order. But that's the only way pretty much with few exceptions that transferability has to take place, and it has to be outlined very specifically in the document, which I, again, suggest to be a separate document aside from the property settlement agreement. Is that what you're asking? Catherine Shanah...:    Boy. Again, we're throwing out a lot of terms. I know if you're listening to this and your head's spinning again, that's a lot to consider, right? Marianna Golden...:    Yeah. Catherine Shanah...:    So, again, we're going to go back to getting the documentation so you can absorb it all a little bit at a time, not when you're forced to go to a settlement hearing and not when you're forced to negotiate. If you can digest this information beforehand, you'll make smart decisions. So, really, the transferability and the division, because there's other things to consider and some of that money was taxed already, so now you don't want to be told that it's going to be taxed again, right? So it depends on the reward that's given. There's so much to consider. Marianna Golden...:    Yeah, it's a very complex asset, if you will, but it could be used as a very rewarding asset if you know what you're doing because it's easily overlooked but it's also easily used improperly. Sometimes, it's by design. Sometimes, it's just because someone doesn't know or understand how it works. Even people that work for a company, they're busy executives. They keep running and building their corporate career, and they don't have, often, time to slow down and understand how it works. So they might not themselves understand what's involved, let alone someone who's not involved in the company. Catherine Shanah...:    That's a really good point because often everyone takes the position that my spouse is lying to me about this or they're hiding this from me, and maybe we can look at it from a different point of view saying maybe they just don't understand it themselves, right? So, again, it goes back to really requiring the documentation so that everybody's working uniformly on the same information. Also, yes, this is such a complex asset, but, remember, a lot of wealth today was built off of this asset, so don't be afraid of it. Don't walk away from it and choose your home or something else because it's an easier solution. Take the time to understand what's on the table here before you make that decision. Marianna Golden...:    And if you don't understand, work with professionals. That's really important because, just like you wouldn't want to make your healthcare decisions without going to different specialists and getting second opinions and really making an informative decision, it's the same thing in place here. If you don't know, ask. If you're not sure whoever you ask is giving you information that you can easily understand and process, go somewhere else. It's much easier and plus the fact that it's time-effective to do it all up-front than deal with it at the end.                                     One of the reasons I became a CDFA fifty years ago was because someone came to me with this specific situation, where they gave up their rights to the executive compensation because it was something difficult and something they couldn't quite understand and decided to take their home as an asset and gave up the executive compensation. Guess what happened? 2007, 2008, when real estate market collapsed, they had an asset that they thought worth a lot of money that was not liquid. They couldn't refinance because they didn't have the income to get approved for a refinancing, and they couldn't really sell it because the prices dropped significantly. So they didn't have choices, and you always want to be in control of your financial situation. The only way you can, if you look at all the choices and then you make a decision that's based on data and your understanding, not because somebody said so. Catherine Shanah...:    Exactly. If you ask a question once to your advisor... Marianna knows this for a fact. I must've asked 15 times the same question, just so I had complete understanding of something, and that's okay. That's really okay. Marianna Golden...:    Yep. Karen Chellew:           From the perspective of choosing your battles, this is one of them where you definitely want to lean in and make sure you have all of the documentation necessary so that you can make an informed decision. It is so important because it could be the difference of 100, 200, 300,000 dollars. It's to that level. I know a lot of people have a budget when it comes to divorce and they can only spend so much money, and I completely get that, and we respect that. But this is one of those assets that you definitely want to make sure you have the information and documentation you need to make that really good decision for yourself. Marianna Golden...:    So true. So true. And another important consideration for that, if you already listened to us and you've done all the work and you've made the right decision, it's the follow-up or follow-through that I often see people overlook because once the proper documents are executed, then somebody actually needs to follow up and put them into work. If you are working with the incentive compensation that is going to stand over a number of years and you already moved on with your life, it's hard to remember, yes, you have to go back every year, and not only do you have to make sure that you give your ex-spouse instructions how to execute the share that you were rewarded, because it's done on the annual basis, you also have to make sure that the taxes or tax consequences are addressed, and that's on the annual basis as well. So who wants to be attached by the hip every year, which is true, but, also, if there is lots of money, like Karen said, involved, perhaps that's something you want to do. Catherine Shanah...:    Well, that's one thing I love about you and your practice. You are diligent and almost sometimes probably a thorn in my side because you follow up so much on these kind of things, right? That's so important because time goes so quickly. Even myself personally, I can't believe I was divorced 11 years ago, I think it is, 11 years ago, or 10 year. You probably can't believe it, right? It goes so fast with the blink of an eye. So you can very easily let that vesting date or let that sales, if you had just sold the shares or whatever, and you're not following it... So if you don't have a good financial planner who's working on your team to keep you in line with this, then you can lose out. So, yes, I do think that's a great interview question when picking a financial planner. What is their expertise in this field, and how do you help me stay in line with this? Those are really good questions, and I know you really cover that quite well. Karen Chellew:           Very true. Great question. Catherine Shanah...:    So what is the timing and the tax consequences? I know that's another consideration and maybe the fifth consideration for handling these types of complex issues. Marianna Golden...:    And yet another great question. So it's really important to go back to the beginning where we said, in 90% of the cases, the executive compensation is owned by the employee and it's not transferrable. What that means, that that employee will have to go through the steps of exercising or selling the asset or vesting, if it's related to restricted stock units. Any of those transactions mean the next step is taxes because when you are awarded executive compensation, they're not taxed at the time of the reward. They're taxed at the time of vesting when it's related to RSUs or at times of exercise as related to stock options. When those two events happen, that's when that taxation occurs.                                     A lot of times, companies change their rules. They will do the mandatory tax withholdings on your behalf. When I say mandatory, that means federal tax, state tax, local tax, FICA, Medicare tax, Social Security tax. So all that is subtracted before the employee gets their net check. Some companies allow for the employee to increase their federal withholding if they already know they're in a higher tax bracket. Some companies are going to do it the same across the board. For example, I work with a lot of J&J employees. They're across the board. Federal withholdings is 22%. You can't increase it, you can't make it lower, so that's what it is. You have to remember that when you get that check, it's already net of taxes.                                     Now, if they attached a 22% on the exercise or vesting, it's not necessarily means that what you pay at the end of the year or in the beginning of the following year when you do your taxes. If you are in a lower effective tax bracket, that means you're going to get some of the tax back when you file your taxes. If you're in a higher effective tax bracket, you're going to have to pay more. That's where the confusion comes in. The employee got taxed. They give the net proceeds to their ex-spouse, but it's on them to pay the tax. So the reconciliation has to be made every year where both parties should have their tax return side by side and they should see, okay, well, if the employee's spouse had paid 22% federal withholding but their actual effective tax rate or how much they've paid on their tax return is only 20%, they owe the difference of extra tax up-front to their non-employee spouse.                                     I know it's really confusing, and I explain it to my clients every year, and I have to repeat it again. But it's so important because most people don't follow through with this. On the flip side, if the employee spouse paid 22% withholding but they are actually in the 35% effective tax rate because of other compensation or other income sources, the non-employee spouse now owes money to them. So some people, when they reconcile it, they sometimes split money in escrow so there is not much going back and forth. But it has to be all spelled out in the document because if it's not, who's going to enforce it? Catherine Shanah...:    Exactly. And, really, it's important to use your own independent accountant to reconcile this from your spouse's accountant because numbers could be interpreted differently. Marianna Golden...:    Yep. I've heard this phrase once and I really liked it. It made a lot of sense to me. Everybody's entitled their own opinion, but no one is entitled to their own facts. Facts are facts. So- Catherine Shanah...:    I like that. Marianna Golden...:    I really love it. So you're absolutely correct. Independent accountants because here's the fact, that's how you reconcile it. If you use the same accountant, in my opinion, it's a conflict of interest. Catherine Shanah...:    And, in my opinion, don't be afraid that you might potentially owe back your spouse money because if your spouse is having that much more income that it's pushing their bracket up, it might be a reason for a support modification. Marianna Golden...:    That is true. Catherine Shanah...:    So they may not even ask you for that. Marianna Golden...:    Very true. Karen Chellew:           Good point. Good point. Well, this concludes our episode on five critical considerations when dividing executive compensation in divorce. Thank you, Marianna, for a great conversation. Marianna Golden...:    Thank you, ladies, for having me. It's something that fascinates me. The more complex it is, the more excited I get. So I hope that I was able to communicate it properly so to give, at least, people a sense of if you don't understand, ask. You don't know what you don't know. So I hope I was able to convey that. Catherine Shanah...:    And before we sign off, please tell us how our listeners can reach you. Marianna Golden...:    Great question. So the best way to reach us is to go to our website. It's www.curowm.com, and Curo is spelt C-U-R-O. WM stands for Wealth Management. So it's www.curowm.com. Our email address, our phone number, all our social media platforms are there. So we'd be more than happy to hear from our listeners. Karen Chellew:           Thank you. Marianna Golden...:    Thank you. Karen Chellew:           Okay. That's good. Catherine Shanah...:    Okay. Karen Chellew:           All right. Catherine Shanah...:    Oh my gosh. It's so much information, and it's so... I know it's just so scary for a lot of people. Even when we had a case and the financial planner gave the recommendation that our joint client just negotiate away the LTIs and the RSUs just to keep the home, I was like, "What?" Sometimes, I feel like some financial planners do that because they know they're not going to invest that money for a long time so there's no income for them. They're not making any money off this advice or what have you, and that's so annoying to me. Marianna Golden...:    It is so true. A lot of times, too, because they think it's complex, they don't understand it. They just want to give it away so they don't have to deal with it. It's really interesting because I had a case where they were dividing everything properly. I looked at the documents. Everything was properly executed. Then I said to both parties, because they were amicable, I said, "Look, it's really important for you guys to communicate and coordinate the timing of the exercise because the less taxes the employee will pay, the more it's going to go to your boss' pocket. Then that number will be higher, so it's in your best interest to communicate." What I suggested to do is, instead of exercising a lot in one year, split it over a three-year period. Their reaction was so interesting because the employee spouse said to me, "How come my advisor never suggested that? That makes all the sense in the world." I go, "Well, chances are he doesn't understand how it works." Catherine Shanah...:    Right. Karen Chellew:           Yeah. Catherine Shanah...:    Right. Karen Chellew:           I don't think it's that unusual, and I think, from my experience, because I'm typically over in the attorney's office with the clients, they're saying, "Well, we got this piece of paper from the other side, and so that's what we're using." That piece of paper can be completely missing a lot of documentation. It's routine that Catherine finds money that would've been just lost had we not dug in and said, "You really need this information to clarify the documentation that supports this data because that often is the missing piece." Marianna Golden...:    Yep. Catherine Shanah...:    Well, how about the client that we actually went to you for some advice on as well, your input? That attorney tells client, "Just go ahead and sell your RSUs and pay off your marital debt," and he ends up selling the non-marital portion to pay off the marital debt. Marianna Golden...:    Yep. Catherine Shanah...:    Crazy. Yeah. Marianna Golden...:    So common. Karen Chellew:           So, Marianna, do you see often where an employee spouse will work with their employer to change their compensation during divorce so that it's not on the table? Sometimes, I get that question, well, whether it's support or ED. I know we can cover that in another podcast. But, often, the non-employee spouse will say, "Well, can they change their compensation package so that this doesn't exist anymore or so that they're compensated in a different way that they don't have to share this with me?" Marianna Golden...:    That's a good question. I feel that it would be really near impossible to do it for a publicly traded company. Obviously, if you're in a really high C-suite position, maybe. But, generally, you don't. This is how the company does this. They want to tie their performance with the compensation they give you, so they as well, your compensation. But I do believe that it can be easily structured if it's non-public, if it's a private company, and they still issue this form of communication. It's probably easily manipulated. Karen Chellew:           Especially if they have a close relationship with their employer. Yeah. Marianna Golden...:    Exactly. Catherine Shanah...:    Right. Right. Karen Chellew:           Yeah. Marianna Golden...:    Yeah. Karen Chellew:           Wow. Marianna Golden...:    And that's why we need history. We need to see the pattern. Because it was never done before, then we know something's up, and so historical data is important just as the future data. Karen Chellew:           Right. Okay. Catherine Shanah...:    There's definitely a great follow-up podcast to this. Marianna Golden...:    Yeah. Karen Chellew:           Yeah. It's very complex. But it's complex for all parties involved, all professionals involved. It really takes a village to get to the bottom of a lot of these calculations and valuations. Yeah. Marianna Golden...:    A lot of times, knowing that's my area of expertise, the more complex, the better. I thrive on that. I would get a call from an attorney or a client who's not even a client say, "Hey, I was told you understand this. Here's the document. Can you just make sure we didn't miss anything, or can you interpret this for me?" So it's just a piece of information that they wanted to make sure that they're properly handling. Karen Chellew:           Yeah. Yeah. And- Catherine Shanah...:    That's great. Keep at it. Karen Chellew:           Yeah. All right. Catherine Shanah...:    Yeah. It's so needed. You got to keep this as your thing because- Marianna Golden...:    It's getting more and more popular. Catherine Shanah...:    Yes. Karen Chellew:           Yeah. Oh, yeah. Marianna Golden...:    More and more companies, instead of doing cash compensation, do the performance type compensation. Catherine Shanah...:    Yeah, because it's lowering their turnover. It's so hard now to get employees and keep- Marianna Golden...:    … Catherine Shanah...:    Yeah. Yep. Marianna Golden...:    Yeah, because you give someone something today which they can't touch or feel, but if they stay for three or five years, all of a sudden, it becomes quite a sizable asset. Catherine Shanah...:    Yeah. Yeah. Yep. Karen Chellew:           Yeah. Catherine Shanah...:    All right. Well, we're going to have to chat again. Marianna Golden...:    Of course. Catherine Shanah...:    Thank you so much. This was great. Marianna Golden...:    Always a pleasure, ladies. Catherine Shanah...:    This is so good. You look fantastic. This is really good. Marianna Golden...:    Thank you. Thank you so much for having me.  

Después de terminar una relación, puede ser difícil adaptarte a tu nuevo estilo de vida y aceptar que esa relación ya se terminó, sin embargo, debes de verlo como una gran razón para apapacharte y llenarte de amor. Si quieres saber cómo hacer esto, mira el siguiente video. See acast.com/privacy for privacy and opt-out information.

CURO co-founder Ruth Thomas joins us to discuss the evolution in thinking around CURO's ground breaking Comp Planning & Pay Equity solutions and the impact of joining forces with Payscale.

Músicas para mover o corpo antes de meditar. SPOTIFY: https://open.spotify.com/user/22s7oqbw2ofoyxmvo7wrzw2rq/playlist/1xdSLOlopi64wWorVItMqe?si=jEeS12XnTzmJeErzINLjYQ SOUNDCLOUD: https://soundcloud.com/osol_bhaskar/sets/o-corpo-no-sol/s-cXLIx

In this week's HR tech news roundup: iCIMS Plans IPO; Payscale acquires CURO, plus integrations and tie ups.

Lecciones. UN CURSO DE MILAGROS. #UCDM.

Continuamos con la lectura de Un Curso de Milagros y el tema de la curación, la verdad y la unidad.

In this episode of Supply Chain Now, Scott Luton and Greg White sit down to chat about 2020 and what's to come in 2021. Greg White is principal & host at Supply Chain Now – The Voice of Supply Chain and digital media publisher – where he helps guide the company's strategic direction, and interviews industry leaders, hosts weekly Livestreams, and is creator, executive producer & host of the TECHquila Sunrise vlog and podcast. Greg is a recognized supply chain practitioner, industry thought-leader, founder, CEO, investor, board director and advisor in B2B technology with multiple successful exits. Prior to his current initiatives, Greg served as CEO of Curo, a field service management solution most notably used by Amazon to direct their fulfillment center deployment workforce. Previously, Greg founded Blue Ridge Solutions, and as President & CEO, led the bootstrap startup of cloud-native supply chain applications to become a Gartner Magic Quadrant Leader. Greg has also held leadership roles with Servigistics (PTC), and E3 Corporation (JDA/Blue Yonder) where he pioneered cloud supply chain applications in the late nineties. Today, rapidly-growing tech companies & venture capital, and private equity firms leverage Greg as a partner, board director and advisor for his experience building disruptive B2B technology and supply chain companies that are widely recognized as industry leaders. He's an insightful visionary who helps companies align vision, team, market, messaging, and product to accelerate value creation. Greg guides founders, investors, and leadership teams to create breakthroughs to gain market exposure and momentum that increase company esteem and valuation.  Upcoming Events & Resources Mentioned in this Episode: Subscribe to Supply Chain Now and ALL Supply Chain Now Programming Here: https://supplychainnowradio.com/subscribe Leave a review for Supply Chain Now: https://ratethispodcast.com/supplychainnow Connect with Scott on LinkedIn: www.linkedin.com/in/scottwindonluton/ Connect with Greg on LinkedIn: www.linkedin.com/in/gswhite/ Supply Chain Now Ranked #3 Supply Chain YouTube Channel: https://tinyurl.com/yazfegov Download the Q3 2020 U.S. Bank Freight Payment Index: freight.usbank.com/?es=a229&a=20 Watch the Replay of The Connected IoT Supply Chain: https://supplychainnow.com/the-connected-iot-supply-chain Check Out News From Our Sponsors: U.S. Bank: www.usbpayment.com/transportation-solutions Capgemini: www.capgemini.com/us-en/ Vector Global Logistics: vectorgl.com/ Verusen: www.verusen.com/ This episode was hosted by Scott Luton. For additional information, please visit our dedicated show page at: https://supplychainnow.com/episode-540.

This week at TECHquila Sunrise we take a sip and have a look back at our favorite guests since August. I'll tell you what I've learned from these technology founders, investors & visionaries and share what you can take away too. And as a throwback we talk about funding for supply chain tech, and some cool companies taking their shot at their own – TECHquila Sunrise – so Listen UP!   Greg White is a host and principal of Supply Chain Now. Greg is a founder, CEO, board director and advisor in B2B technology with multiple successful exits. He recently joined Trefoil Advisory as a Partner to further their vision of stronger companies by delivering practical solutions to the highest-stakes challenges. Prior to Trefoil, Greg served as CEO at Curo, a field service management solution most notably used by Amazon to direct their fulfillment center deployment workforce. Greg is most known for founding Blue Ridge Solutions and served as President & CEO for the Gartner Magic Quadrant Leader of cloud-native supply chain applications that balance inventory with customer demand. Greg has also held leadership roles with Servigistics, and E3 Corporation, where he pioneered their cloud supply chain offering in 1998. In addition to his work at Supply Chain Now and Trefoil, rapidly-growing companies leverage Greg as an independent board director and advisor for his experience building disruptive B2B technology and supply chain companies widely recognized as industry leaders. He's an insightful visionary who helps companies rapidly align vision, team, market, messaging, product, and intellectual property to accelerate value creation. Greg guides founders, investors and leadership teams to create breakthroughs that gain market exposure and momentum, and increase company esteem and valuation. Learn more about Trefoil Advisory: www.trefoiladvisory.com Upcoming Events & Resources Mentioned in this Episode: Subscribe to TECHquila Sunrise and ALL Supply Chain Now Programming Here: https://supplychainnow.com/subscribe Leave a review for Supply Chain Now: https://ratethispodcast.com/supplychainnow Connect with Greg on LinkedIn: www.linkedin.com/in/gswhite/ Supply Chain Now Ranked #1 Supply Chain Podcast via FeedSpot: tinyurl.com/rud8y9m Supply Chain Now Ranked #3 Supply Chain YouTube Channel: https://tinyurl.com/yazfegov AIAG Virtual 2020 Supply Chain Conference: https://tinyurl.com/y8axeflc Download the Q3 2020 U.S. Bank Freight Payment Index: https://freight.usbank.com/?es=a240&a=20  WEBINAR: The Connected IoT Supply Chain: https://tinyurl.com/yym2fvcl AME Toronto 2020 Virtual Conference: https://www.ame.org/ame-toronto-2020 Check Out News From Our Sponsors: U.S. Bank: www.usbpayment.com/transportation-solutions Capgemini: www.capgemini.com/us-en/ Vector Global Logistics: vectorgl.com/ Verusen: www.verusen.com/ This episode was hosted by Greg White. For additional information, please visit our dedicated show page at: https://supplychainnow.com/episode-490.

You know him as the host of TECHquila Sunrise and co-host of Supply Chain Now. But who was Greg White before he was a Supply Chain celebrity? Listen to part 2 of this interview with Mr. White as he discussed his business successes, building a team for success, who he is helping today, and what the future of supply chain management holds. Greg White serves as Principal & Host at Supply Chain Now. Greg is a founder, CEO, board director and advisor in B2B technology with multiple successful exits. He recently joined Trefoil Advisory as a Partner to further their vision of stronger companies by delivering practical solutions to the highest-stakes challenges. Prior to Trefoil, Greg served as CEO at Curo, a field service management solution most notably used by Amazon to direct their fulfillment center deployment workforce. Greg is most known for founding Blue Ridge Solutions and served as President & CEO for the Gartner Magic Quadrant Leader of cloud-native supply chain applications that balance inventory with customer demand. Greg has also held leadership roles with Servigistics, and E3 Corporation, where he pioneered their cloud supply chain offering in 1998. In addition to his work at Supply Chain Now and Trefoil, rapidly-growing companies leverage Greg as an independent board director and advisor for his experience building disruptive B2B technology and supply chain companies widely recognized as industry leaders. He's an insightful visionary who helps companies rapidly align vision, team, market, messaging, product, and intellectual property to accelerate value creation. Greg guides founders, investors and leadership teams to create breakthroughs that gain market exposure and momentum, and increase company esteem and valuation. Learn more about Trefoil Advisory: www.trefoiladvisory.com Upcoming Events & Resources Mentioned in this Episode: Subscribe to Supply Chain is Boring and all Supply Chain Now Programs: supplychainnow.com/subscribe/ Connect with Greg on LinkedIn: https://www.linkedin.com/in/gswhite/ Connect with Chris on Linkedin: www.linkedin.com/in/chrisrbarnes/ Supply Chain Now Ranked #1 Supply Chain Podcast via FeedSpot: tinyurl.com/rud8y9m Supply Chain Now Ranked #3 Supply Chain YouTube Channel: tinyurl.com/yazfegov AIAG Virtual 2020 Supply Chain Conference: tinyurl.com/y8axeflc WEBINAR: Stand Up & Sound Off- https://tinyurl.com/y4lcahdr AME Toronto 2020 Virtual Conference: https://www.ame.org/ame-toronto-2020 Check Out News From Our Sponsors: U.S. Bank: www.usbpayment.com/transportation-solutions Capgemini: www.capgemini.com/us-en/ Vector Global Logistics: vectorgl.com/ Verusen: www.verusen.com/ This episode is hosted by Chris Barnes. For additional information, please visit our dedicated show page at: https://supplychainnow.com/supply-chain-is-boring-13.

You know him as the witty and thought-provoking host of Supply Chain Now and TECHquila Sunrise. But did you know Mr. White is a proven executive-level leader? Listen to Part 1 of this interview to learn how he became an industry driver. Greg White serves as Principal & Host at Supply Chain Now. Greg is a founder, CEO, board director and advisor in B2B technology with multiple successful exits. He recently joined Trefoil Advisory as a Partner to further their vision of stronger companies by delivering practical solutions to the highest-stakes challenges. Prior to Trefoil, Greg served as CEO at Curo, a field service management solution most notably used by Amazon to direct their fulfillment center deployment workforce. Greg is most known for founding Blue Ridge Solutions and served as President & CEO for the Gartner Magic Quadrant Leader of cloud-native supply chain applications that balance inventory with customer demand. Greg has also held leadership roles with Servigistics, and E3 Corporation, where he pioneered their cloud supply chain offering in 1998. In addition to his work at Supply Chain Now and Trefoil, rapidly-growing companies leverage Greg as an independent board director and advisor for his experience building disruptive B2B technology and supply chain companies widely recognized as industry leaders. He's an insightful visionary who helps companies rapidly align vision, team, market, messaging, product, and intellectual property to accelerate value creation. Greg guides founders, investors and leadership teams to create breakthroughs that gain market exposure and momentum, and increase company esteem and valuation. Learn more about Trefoil Advisory: www.trefoiladvisory.com Upcoming Events & Resources Mentioned in this Episode: Connect with Greg on LinkedIn: https://www.linkedin.com/in/gswhite/ Connect with Chris on Linkedin: www.linkedin.com/in/chrisrbarnes/ Subscribe to all Supply Chain Now Programs: supplychainnowradio.com/subscribe/ Supply Chain Now Ranked #1 Supply Chain Podcast via FeedSpot: tinyurl.com/rud8y9m Supply Chain Now Ranked #3 Supply Chain YouTube Channel: tinyurl.com/yazfegov Listen and Subscribe to Supply Chain is Boring on Supply Chain Now: supply-chain-is-boring.captivate.fm/listen AIAG Virtual 2020 Supply Chain Conference: tinyurl.com/y8axeflc Register for Reuters Events Supply Chain USA Virtual 2020 Summit Here: https://tinyurl.com/y4mj6jph WEBINAR: Stand Up & Sound Off- https://tinyurl.com/y4lcahdr AME Toronto 2020 Virtual Conference: https://www.ame.org/ame-toronto-2020 Check Out News From Our Sponsors: U.S. Bank: www.usbpayment.com/transportation-solutions Capgemini: www.capgemini.com/us-en/ Vector Global Logistics: vectorgl.com/ Verusen: www.verusen.com/ This episode is hosted by Chris Barnes. For additional information, please visit our dedicated show page at: https://supplychainnowradio.com/supply-chain-is-boring-12.

A chaotic conversation between Bruten, Curo and Sheetal, where Bruten spills a lot of things with Curo adding to it with his puns and Sheetal reacting to them.

What traits make a great hero? One that will linger in your reader's minds and hearts far after they close the book? Well, get ready for a raucous discussion that breaks down into a bit of a competition between Autumn and Jesper as they debate and compare what characteristics they think goes into the making of a memorable hero! The 5 Day Writing Challenge Supercharge Your Scene hosted by the awesome J. Thorn that is mentioned in the episode is available for free sign-up at https://theauthorsuccessmastermind.com?aff=Am_Writing_Fantasy (this is an affiliate link and if you do signup for the paid mastermind group, we will receive a small percentage.) Tune in for new episodes EVERY single Monday. SUPPORT THE AM WRITING FANTASY PODCAST! Please tell a fellow author about the show and visit us at Apple podcast and leave a rating and review. Join us at www.patreon.com/AmWritingFantasy. For as little as a dollar a month, you'll get awesome rewards and keep the Am Writing Fantasy podcast going. Read the full transcript below. (Please note that it's automatically generated and while the AI is super cool, it isn't perfect. There may be misspellings or incorrect words on occasion). Narrator (1s): You're listening to The Am Writing Fantasy Podcast in today's publishing landscape. You can reach fans all over the world. Query letters are a thing of the past. You don't even need an literary agent. There is nothing standing in the way of making a living from Writing. Join two best selling authors who have self published more than 20 books between them now onto the show with your hosts. Autumn Birt and Jesper Schmidt. Jesper (30s): Hello, I am Jesper Autumn (31s): and I'm Autumn. Jesper (33s): This is episode 76 of The Am Writing Fantasy Podcast and S authors. We want the reader to root for the protagonist because when the last page is turned, the reader needs to wish that it wasn't over. However, it can be mighty hard to understand how one should create a character who is likable competent, realistic. And well-rounded so Autumn, and I will try to share our thoughts on this topic today. Autumn (1m 3s): Yes. I've been looking forward to this topic all week. I emailed you earlier that every time I was thinking about it, I had Bonnie Tyler's. I need to Hero go in my head. Uh, so it's been quite a fun and I can't wait to get to it. It, it became almost like, um, felt like I was filling out a dating list form of the, my ideal mate's. I think we had an, I think we've came up with some interesting tips that I hope will help out other readers, but until we get there, how are things on your side of the great ocean Atlantic? Jesper (1m 39s): Well, it's pretty good. Um, they've slowly started starting to open things up now. So my youngest son is actually very happy because he's done it. He, he gets to go to soccer practice, uh, two days from now. Yes, he's quite a soccer player. Oh, he loves it. I think to be honest, I think that boy probably loves soccer. Modern, modern is that Oh wow. And your a referee. So that's amazing. Yeah, he likes it a lot. So, but it's funny. We will see how much she's going to enjoy the soccer practice, to be honest, because there's so many restrictions on it, uh, that they have to follow. Jesper (2m 16s): You know, they're only allowed to train in fixed groups and they can only do like specific set pieces and there's no matches and Oh, you cannot had the ball. You cannot like, you know, use your chest to, to stop the ball or any, I mean, there's just so many rules that they have to follow in order to be allowed to play. So, um, we'll see if he actually enjoys it or not. I don't know once he gets frustrated, I don't know. But, uh, but they did, they did write out all these, he an email with all these rules and then they basically asked all the parents, uh, you know, can you please let us know if you're even interested in this way of practicing on that? Jesper (2m 57s): And then I went to my youngest son and I said, so Autumn (3m 0s): This is how it's gonna work. And I sort of laid that out to him and a say, so do you want to, do you want to go to practice? If this is the way it's going to be? And he looked at me for a second, like, I could see like the cock Wilson. He said, Tony, like, what is he asking if he didn't it for a while? And he didn't comprehend what, why I was asking if you want it to go to practice. He was this. And he looks at me like for a while. And then he said, yes, by what do you mean the answer to any part of this involved in it boils down too. Autumn (3m 32s): I'm going to practice right now. Yeah. That was also almost like he was expecting me to say something else or something like, you know, what do you want about, what do you mean? What is the question here? Well, I hope he enjoys it. That's great that things are returning to some semblance of a new normal for you guys. Yeah. Well, we'll see. Right? Because now we've been in lockdown mode for what? For a long while now. And, um, once we start opening up again, obviously we don't know what the effect is going to be. Autumn (4m 4s): Right. In which case you could go back to lockdown, but I will see, we'll see how it goes. Well, fingers crossed. It will go. Well, your ahead of us. So your experimental country to see how you do, you're the Guinea pig, I guess, but how, how is things on your side? Oh, pretty good. I actually planted by a garden, which is a little, a little will be releasing this later. But for now it's, um, sort of earlier, before the official, last frost date of may, but I figured between climate change and the 10 day forecast, I'm good. Autumn (4m 39s): And plus, I mean, I live in this tiny cabin and I actually brought my tomato seedlings in some sweet pepper seedlings out to my cabin just to make room, you know, where they're growing. And I'm sorry, when your screw is sharing, like a 200 square feet with seedlings, a dog and a husband, something has got to go outside. So it was the seedlings. And what was fun is I was getting so impatient is waiting for someone to lend as a teller, but it wasn't coming. It was broken. I finally just Whit and actually hand Doug like a 10 by this baby. Autumn (5m 12s): It's an eight by 12 garden spot. Um, and well, I am not 20 anymore. I do not recommend hand digging in a garden, but a lot of energy out over a course of two days. And then the next day I planted my little garden and they're outside. They're doing well, they're surviving, nothing's eaten yet. And I actually harvested some lettuce from STEM stuff I had in cold frame. So I, as much as I did, 16 years, a sustainable agriculture, I, I actually joined CSA as I never really had time to garden. Autumn (5m 43s): And my mother has this huge green thumb. So this is my dad by both. My parents are master gardeners. I was, you know, like buying seedlings or buying vegetables from a farm. So now I'm like, I have a garden. It's kind of fun. Jesper (5m 58s): It's a lot of work, but it's fun. Yeah. It's people have very different views on God. I mean, I hate it. I like going out into the garden and I like to sit there in the summer, but I do not like to do any gardening work. And the problem is you can't have a garden without doing gardening work so that you need a lot more money to hire other gardeners on that. Remember, I did share with you, I had a dream where we lent someone $20 million for a startup costs for their business. Jesper (6m 29s): So yeah, it was like a, I don't know, maybe two years ago was something I did hire a gardener because I just felt like I am not going to do this. I don't, I don't like it. Um, and then, but I couldn't afford like gardening company to do it because then it's very expensive. Right. You have to pay them a monthly fee and all this. So I found this, uh, basically like it probably a retired guy, I think he's retired at least, but he sort of just had his own little company doing some gardening work and all that. Jesper (7m 4s): So I hired him and he was doing God and Wagner is like, so half the time he was doing a pretty good job half the time, it was not that good. And then I also had to constantly, uh, you know, okay, so we went like this. So at the beginning, when I hired him, I said, okay, so you can spend, I don't, I don't remember the actual money anymore. And now at the value of it, but it was something like six hours, six hours a month or something. I can't remember something like that. So I said, if there's something to do for six hours, you can just do it. Jesper (7m 37s): Uh, if there is less to do to, and of course you just do less and then I'll pay you, pay you every month, uh, up to a maximum of this amount of hours per month. And then I said, and I don't really want to go around my garden and figuring out what needs to be done and give you task lists and stuff. I rather, you just figured out just, you can see what needs to be done. Right. And you just do it. You don't need to check with me, you know, how many hours you can Spencer just do it. Right. And he was like, yeah, that's fine. And it ended up, like I had to go and check everything all the time and say, Well have you done this. Jesper (8m 10s): Could you do this? Can you do that? And it just annoyed me so much in the end that I just stopped it because it's like, this is not what I wanted. Right. I just want to pay somebody and they take care of it. And I don't even have to think about it. And that's not what he did that annoyed me at the end. Hopefully we'll get to a better gardener eventually. Who knows? Oh, we got on the internet with the Am Writing Fantasy Podcast so we have something pretty exciting to mention here. Jesper (8m 42s): Oh yeah. J Thorn a friend of our show, a fellow author, a certified story grid editor, and the host of several different podcasts. Actually he's offering some free help to anyone who feels they're, Scene just, isn't good enough. And maybe if you are struggling to understand what's wrong with your scenes, then he is going to help you out. Because as we've talked about so many times here on The Am Writing, Fantasy, Podcast Writing is a skill, so it can be learned. Jesper (9m 16s): And I am happy to vouch for J thorns a and say that he's a really good teacher. And he has worked with hundreds of authors on thousands of scenes. So he knows his stuff. And what he is offering is something he calls Supercharge Your Scene and it runs from the 15th of June to the 19th of June. So that's a week after you are listening to this. If you're listening to this, Episode when we release it. And what we'll do is that we will help you decide with Scene. Jesper (9m 48s): You want to write and also how to frame it with a clear purpose and adding in character motivation. And then each stay throughout that week, he will post you a free lesson. Two, walk you through the process of writing and revising compelling scenes, right? This is like, it's a five day challenge. Isn't it? It is. Yes. So if basically he gives you a four, a five day Challenge and everybody who completes those five days will be automatically entered into a price pool drawing. Jesper (10m 20s): And there's going to be some really cool prices in there, including one of them being a free 30 minute, one on one consulting with J. I think that's pretty cool that as a really cool, also a mastermind tacked on the end of this free Challenge that's a pay paid mastermind, but there's no requirement for you to go and join the mastermind. Two, you can easily participate in the free challenge if that's all you want to do and just leave it at that. That's no problem at all. Autumn (10m 49s): Yes. I mean, I just did. I'm a AMS ads. Challenge a five day challenge with Brian Cohain and there is so much fun now. I mean, I'm totally addicted and we are going to have to do one. I actually forgot to tell you I've been working on a little outline for one for us, but there it's so much fun. You learn things. There's a community there's SUPPORT. So, I mean, I've not that worried about my scenes, but I'm tempted to go Join J to Join this one just because they are so much fun and there's always something to learn and it's so much fun to interact with other authors. So I hope you guys go check it out as well, because it'll be great. Autumn (11m 23s): And I'd love to see you there. Jesper (11m 25s): Yup. I add on, I will add a link in the show notes here so that you can just go straight from there and check it out. But of course, in full transparency, please know that it's an affiliate link just in case you do decide to join the mastermind afterwards. Then we will get very small kickback here on our side too. The Am Writing Fantasy Podcast, which is quite nice. And it helps us a little too. So anyway, this things live in a week Autumn (11m 54s): From the release of this Episode so hurry up and go and join us soon as you listen, if this is something that interests you. Yes. And I've been actually being a good girl and hanging out a little bit more of the Facebook group, which has been so much fun. There is so many post going on. So when shared a world map that reminded me of a West wing episode, which is totally dating me because it was, so that was a show that was on age as I go, but they had won that they changed the projection of a map and flipped it upside down. Autumn (12m 30s): And I just remember the one character going, I'm just trying to figure out where Francis'. So if you're we had a little map nerd fast and going on their, so that was a ton of fun. And recently a few people have been breaking down tropes. Like the most recent is, is what does an elf? I think the first one was What is a dragon. A Jason's been posting those. So shout out to some amazing folks who are on their, and the great conversations. And I'm sorry, I took a break, but it's so much fun to dive back into the Am Writing Fantasy Facebook group. Autumn (13m 5s): So you can just go to Facebook and Google Am Writing Fantasy and come join us because it is so much fun and everyone is so nice Narrator (13m 14s): And onto today's topic. Autumn (13m 18s): So there's lots and lots of well-intended tools and techniques out there to help the writer avoid generating a flat character. But we decided to come up with 10 Traits that makes for a Great protectionist. And we all know, yes, we did. It was like I said, I had so much fun thinking about it. Um, I didn't actually get to sit down to write it down to like think a day or so ago. But at that point, I think it took me all a five minutes because I'd been thinking about it. I always think of, ah, there's a story about Frank Lloyd Wright when he designed Fallingwater and the story goes that, you know, he would keep telling the clients who bought falling water that, Oh, I'm working on it, I'm working on it. Autumn (13m 57s): And he actually didn't draw all the design until they were on their way to his studio to pick it up. I totally get that. That is me. I totally think about these things over and over and over and over again, and then just write it down. It's perfect. Right. But I can't wait to share these because we both have 10 things. And like I said, it was hard. I wanted to come up with, I mean, I analyzed some of my favorite heroes from the books. I read the ones I've written and I really thought about this for a long time. Nice. Yeah. And I think the interesting part is as well that we on purpose decided not to share things with each other in advance. Autumn (14m 35s): So I'm going to be quite curious here to see how much overlap we have if we don't have any overlap on which Traits we find important and I'm not worried. I think at least 50% of the time we will have overlapped. They just might not be on the exact same order. We did order these as well. So it'll be really fun, but we do, we agree on so much and we're writing books together and plotting things. I think we kind of have some overlap on what we think are it makes up a good Hero yes, I think so too. Autumn (15m 7s): A I think, I think definitely we will agree on a different things here. I'm not sure that's going to be a 50% overlap, but let's see. Let's see how it goes. I think it's quite interesting, but I don't think there's going to be much that we disagree on the way. That's true. It's true. But let's see. Um, and I guess we should alternate to keep things interesting. You won at a time and a, and then maybe also at a bit of what it's about why we picked eats of the traits. That is probably a good idea. And maybe explain what we mean by it too. Autumn (15m 38s): So, alright. I am ready. And we're going to start at number 10 and work our way for the most important, um, yes, let's do that. Let's do that. Excellent. Alright. Do you want to go ahead or you want me to, no, go ahead. Alright. So number 10 on my list of important traits for a great Hero is empathetic. I think it's important for the Hero to feel for others. And this isn't just self absorbed. I cannot stay on reading stories where it's all about the character, his needs, and once, and he never thinks about anyone else who was with him or her know. Autumn (16m 18s): I think that that's a, that's a good one. It probably goes well with one of mine as well, but keep it on how much they will that we have here then, because I don't know. All right, well, we'll have to tell, okay. Go for it. Alright. So I will start out with, uh, with One that many, many authors just believed to be universal truth. And when that must be adhered too, at all costs, and that is being likable. Autumn (16m 50s): Oh yeah. But to be honest, I'm cheating a bit. It's all the way. I don't think there's going to be 50 if it's, I don't, because after all this is more like one that I'm almost saying that you try to avoid rather than it being a trade to use. Right. Um, and this requires a bit of explanation, doesn't it? Possibly, but I think, uh, I think I know what you're saying, but go for it. Alright. Autumn (17m 20s): So I just don't want people to be too concerned with K creating a likable character. Um, it's much more about making sure that the protagonist fits the role of being a protagonist because that there's, there's plenty of characters out there who aren't exactly likeable, but we still route for them. Um, I don't know. Have you seen the TV series black sails? Oh, I've started watching it until we lost our free subscription because of the coronavirus, but yes, like after the first series or the first season. Autumn (17m 56s): Very good. Yes. Jesper (17m 57s): I really liked black sails, but captain Flint, he's not exactly likable, you know, or you could say, and a can Skywalker Michael Corleone from the godfather. I mean these characters, they're not really, I mean, they do things that at times you would say that's not likable is still a very interesting and compelling characters. Right. So I guess my number 10 is sort of an anti number 10 and Autumn (18m 26s): I agree cause I have something very similar. I thought about a way of phrasing this, but I couldn't think I wasn't just trying to stay away from negative. So I have it worded slightly differently, but yes, I think we have overlap on this one too. Oh, okay. Okay. Well, yeah, it's just more like don't be too overly concerned with about, I have to create a likable character because as long as you give the character or the protagonist, a good reason to act the way he or she does, then it's going to be a good character. Yes. I agree. Autumn (18m 57s): And I actually have my version quite high on the list. So I'm not going to tell you what number though. Oh, okay. Alright. So it's very important to me. Very important to me. All right. So number nine on my list is I like a Hero who's protective. So it's sort of this person that's always got your back. Even if you are in the middle of a fight or a disagreement with each other there still going to be there to support you. So I kinda like that element that, you know, you, you trust this person, you can rely on them. Autumn (19m 28s): I like, Oh, Hero, The, who's reliable, I guess will be a good way to put it. Jesper (19m 34s): Yeah, I can see that, but that's a good one. All right. So my number nine, um, well we, we often find a beginning of a novel where the protagonist is showing, going through some kind of hardship. And I feel like a situation like that does elicit sympathy in the reader and sympathy is important too, to make sure that the read the field's sympathy for the character. But my number two is therefore kindness. Jesper (20m 6s): Oh, that's so funny. Yeah. Because of a character who for some reason are trying to help out others or out help an animal that always works wonders, but you know, kindness, even though you're going through hardship of your own that's that just works really, really well. Autumn (20m 24s): Yes. And I actually have the word kindness on my list. So we will see this one again. What do we get down lower or higher? Should we, yeah, we have probably about 50% already think we are. I think it's only, yeah, we were pretty much there. It's one out of one out of four, so that we'll see if you're going to be right there. It wasn't me, I'm keeping track of, so if you hear any typing, it's just making little notes to on which is which, which are yes, for sure. And if there's any overlap between us. So yeah. Autumn (20m 54s): Alright. Okay. So my number eight, I like a sense of humor of one of my characters. He is a total smartass, a captain, Jared RI is from my post-apocalyptic series. He cracks me up, he in the middle of an emergency situation that comes up with a smart ass response, but I also don't mind, you know, like a gentle, joking, just a kind hearted joking. And I have of course, a couple of heroes like that. So just those moments that make you laugh, even if you want to cry, even if you want to run screaming, I just like a character who has that kind of can laugh at themselves, can laugh at a situation that warms me up so much as a reader. Autumn (21m 35s): I'm just in love with the character instantly with that. Yeah. I like that. But I just find it really hard to write. I think that you have said that before. Jesper (21m 44s): Yeah. Writing humorous characters. I find that really difficult. I always feel like my own jokes are so lame, but a yeah. Okay. So what is it on number eight, number eight. Yours. Alright, so being honorable, that's an easy way to put a character in a positive light. Um, I'm not saying that you ha uh, the character has to be honorable all the time. Jesper (22m 15s): Uh, you know, I think throughout all my 10 Traits here is just, it's not that you have to do it for any of these four, all of your characters at all times, but they're going to pick from, um, so being honorable. Yeah. I liked that one. Autumn (22m 31s): I have something very similar. So I'm, I think there's a slight overlap. It's a different way of phrasing it on that one. So it'll be interesting. You'll you'll hear my take on it. Alright. So we're up to number seven, uh, intelligence. So this is a, I don't mean a CURO who's a genius, uh, but they have, should be able to be clever or they look at things differently and they can figure things out. So, and especially if you, like I said, so we can see things in a way that others don't. Autumn (23m 1s): So they just have a unique perspective, but they're definitely clever. I can't, you know, someone who's just dumb luck in that as dumb as a, an ORC or a something. I just, I don't know. I can't respect a character who makes me, if I'm shouting at a book every other page, what, why don't you see that? I rather be all going, Oh my God, I didn't even see that. So that's mine. Okay. All right. So some overlap. Yeah. I guess we'll see. Jesper (23m 30s): Um, okay. So my next one is being proactive. Autumn (23m 35s): Oh, nice. Jesper (23m 38s): This one is so, so, so important. And I, yeah, actually I know I just said a minute ago that these are more like things to pick from. And not Autumn (23m 46s): Every character always have to have it, but this one, I would say EVERY protectionist always, always, always have to be proactive. Every single one in every single story, you do not want to protect in the us to just react to what's happening in and somebody, you know, if somebody is coming they're and telling the person the age, well, you probably need to do this, this now. Then they go off and do it know you want them to be the ones taking action. The protagonist is the one taking initiative and you always want to do that. Autumn (24m 17s): So proactive. Yes. That was a good way. That's a good way of phrasing it. I have something very similar. So I would say there's some overlap on that one, but I didn't phrase that the same way. So I must be able to find one on my list that you don't have. I'm going to keep trying here. Let's see. Let me think. Um, yeah, we'll find something so far. It's maybe I'm stretching my thoughts on it, but will say, alright, so number is six in my list is kind, I don't mean The not the rescue puppies type of kind, but you know, that's fine too, if you want to do that with very Hero, but I mean, thoughtful someone who is we'll do something nice, just because it is a nice thing to do so. Autumn (24m 56s): Not every page or every chapter, but once or twice in a book doing an act at a sheer kindness, like leafing, a loaf of bread for a beggar girl, who's been shadowing her since she entered the city, uh, that will totally win my heart. And of course, then you have the bigger girl who wins the bigger girl's heart. And she goes on to save the Hero and later as well. So though, you know, it all works out in the end, but I do like, like that, it's sorta like you're likable. I actually think I was just about to say it's like it, I actually have something a little more similar to likable later, but, um, uh, but definitely kind and not, like I said, it doesn't have to be this overwhelming, you know, saintly kindness, but just every once in a while, just something that shows I've a very good heart. Autumn (25m 40s): It's a very nice, okay. All right. Are you ready for my next one? Maybe this one, you don't have one I'm waiting. Alright. So a sense of justice. Oh, we haven't done that yet. I'm not answering then that saying, Oh, okay. Well I think that this is a good trait to use, uh, when you want to show the reader, the protectionist sense of morale. So because it's not that we have to agree with the character and, and the character sense of justice, but it tells a lot about one's personality when you learn what a person perceives as right and wrong. Autumn (26m 20s): So that's why I think it's a good one. It was a very excellent one. You wouldn't know how excellent that one is so excellent that you have. That's the next one of my number five is sense of fairness, justice. Oh my God. It's so easy. And I wrote this, One think we have coordinated this stuff. We really, we did not share this at all. It's so funny that they're back to back. So this came from my husband once asked me the question. Autumn (26m 50s): If you were a God, what type of God would you be? I love that question. And I chose just, I would be adjust God. I really, I really like a sense of fairness. Um, I love cause and effect. If you do bad things, bad shite should happen to you. Even if you're Hero is the instrument to make the bad people stop doing bad things. So a character that can just let injustices slide just makes me want to shake them or a toss, the book or something. So yes, I totally am in agreement with you. Autumn (27m 22s): We have total overlap, but that is a question I'm going to have to ask you at sometime if you were a God, what type of God would you be knowing my chesting a bit about what I do like your answer though. And you're a selection. They about it as well. God of justice. I do like that one, but I would have to think a bit about it. I think I would need to see a list of a domain that think a bit about it. Yes. Because there's probably some choices that I can't think off on top of my head that, that I would like as well. Yeah. That's my husband's ass answer actually made me worry then like, Oh, I don't know if I can like you anymore. Autumn (27m 59s): The death wrathful I'm like shit of your personality. I don't want to know. Right. So you all are a number five. All right. So this is actually building off the one I had before, but also its an overlap with Monday the one's that you already said. So this one I have named resourcefulness. So this is more like if the character has a strong sense of justice, then he, or she will feel responsible and also have something that he or she wants to achieve. Autumn (28m 38s): And I think resourcefulness is a great trait because if there is something that many readers like, you know, we like when characters can find an ingenious way of solving a problem and that's very few different words, but basically the same thing you said earlier. Yes. That's very true. So that I framed it more as intelligent, but to see a way, way of solving things, we had the exact same kind of meeting underneath of it. That's funny. All right. So Well, you know, I don't think people are going to walk away with a list of 20 what they have different perspectives on some of the same words, I guess though. Autumn (29m 15s): That's fair enough. Alright. And this one is sort of similar to one of the one's that you mentioned. Uh, my number four I phrased is, um, you called it proactive, but I kind of called it when the going gets tough. They don't hesitate to dive in. So I like badass hero's that walk around withdrawn swords. And I like the ones that prefer never to fight as well. As long as when the going gets, he gets to that point where something must be done, they haul ass in and they go in and do it. Autumn (29m 46s): I like decisive character's that will, Oh, you know, stick to and go for their guns when the need is there. So they don't have to go around swashbuckling all the time. But again, when something needs to be taken care of their are the ones to go and do it and they do it and they don't let them, you know, they don't just sit around, twiddling their thumbs, waiting for someone else to fix their problems. Hmm. Yes. I can hear the way I set that, that day. I have something coming up. Probably almost exactly the same thing. Now, if you doesn't overlap this, why is this hilarious? Autumn (30m 21s): If you are a number For alright, so that this one is patients. Um, and to be honest, I do quite like impatient characters who just doesn't know how to behave themselves in a social context. I really do like that. But when I thought about it and when I was creating this list, I always also had to settle on the fact that I think as a protagonist, I think it gets tiring, right? What's quite well with an impatient character. If it's a side character, the main character, I feel like patients is a good thing. Autumn (30m 55s): Um, and of course patients can be expressed in many different ways. You know, we could be like, the person is just friendly to avoid a conflict or they use humor to diffuse an escalating situation or something like that. So it can mean different things. But, but I do think patients, that's a, that's a good thing. That is a good one. And I have to say you what now you finally have one. I don't think I have patients. I didn't even think about it. There you go. How do you have like totally that's different. So that's yes. Autumn (31m 25s): Awesome. All right. Stop making up the last three, just to find something we haven't, you know, just throw out something you don't even care about. Just really, I think they should be evil on the screen. That's not fair to our listeners. No. Okay. Fair enough. That they're probably laughing right now. This is not a competition. Right? My number is three. I wonder if you have anything similar. We're getting down to the nitty gritty now. So I like it when my Hero, it feels like a bit of an outsider. Autumn (31m 58s): They never fit in quite with a general populace. So I'm never rooting for, if you have a Hero that's the jock that everyone in this school envies and the girls are throwing themselves at his feet and we will also happens to be a superhero in disguise. I think I described it as barf wants to somebody. I like the nerd in the corner who has a few friends and also they have to happen to have the key to a multidimensional portal and they are always nice. Autumn (32m 29s): Yeah. They have the gumption to use it. And I also think, I think it just acknowledges the feeling that so many of the reader, so many of us have that were not a hundred percent because who is a hundred percent normal, what is normal? And so heroes like that kind of take that secret thing that everyone harbors inside of them and brings it out into the light and shows that this person is amazing and valued and unique and awesome. And so I liked that in my heroes when they also have that sense of, I just don't quite belong here and I'm going to find people who accept me for what I AM. Autumn (33m 6s): I like that one. But I think that that might be one more. That is not overlapping. Excellent. I think so. Alright. Jesper (33m 15s): Alright. But this one, okay, so this is going to sound very familiar. So I call this One resolve, but it's basically characters who are determined to fight to the end. And those are the one's that we love. Yes. So you just said it basically more or less a a moment ago. Right. But I mean, what if Frodo had given up halfway to Mount doom? Yeah. I mean, I wouldn't blame him to be honest, make for a good story. Autumn (33m 46s): No, no. The one where someone else has to, he gives it to his side. So this is on you. Yeah. I'm done with this. No, that's very true. So yes they follow through. Jesper (33m 58s): Yeah. I think that's a good one, but, but also I think it's fair enough. Sometimes if, if they're resolved also comes as a result of their side characters or the way they help her. Because I mean, if Sam had not been there, I'm not sure Frodo would have made it two month. That's true. That is very true. And that's killer as a shield. A great point for a why you have some of these side characters. Yeah. Yeah. All right. So final children, Autumn (34m 22s): A final two. We are almost there. So my number two is going to sound a little familiar. I like a Hero who is not perfect. I think flaws are important. Seriously. Sirius. They have to be not good at something, whether it's romance they're in denial about some, hang up a they're a loss for their place in the world. So I like surface flaws. Um, they're like, I don't know. I like food analogies. Autumn (34m 54s): If anyone read my Patriot on post, that was out recently. I like food analogy. So there, um, these falls are the seasoning and a good recipe and that just needs that little extra kick. So thats and I think I also, I, I have a kind of a toss up between, I also wanted to say that they were skilled, but not in everything. So that's sort of the same thing. They're just not perfect. They have talent, but it requires focus and work. They just not magically gifted with the kingdom. And there are God in their Demi God in a perfect, so that was my number two. Autumn (35m 25s): And I think from yours minor exclamations that we should probably believe out is that you have something similar and I was great. No, Jesper (35m 34s): I'm not going to comment on that. I refuse to comment. Nope, no further Autumn (35m 38s): Fine, fine Well but I thought that was a very similar to your number 10 where they don't have to be likable because that is sort of, sort of the same idea. They don't have to be a hundred percent perfect or like no comments. Okay. Well what's your number two then. Jesper (35m 53s): Alright, so, and I did not make this up just to be, try to find something that you don't have to assess this in my notes. So I don't know if you don't, I don't think you'll have this one because this is totally, you know, we had a strange, okay, this is like a joker I'm throwing in a joke. So this one, I just said, pick something the reader did not expect. And I don't know what that is, but, but the point here is just that once you have developed quite some Traits for your protagonist, you already have a good idea of what the character is already. Jesper (36m 34s): And then it's very easy to lead yourself down the path of tropes and just, yeah. And then I'll add this and all that, that, uh, because that goes with the, with the white Knight on the white horse or whatever. Right. Um, and I think throwing in one trait into the mix that people just didn't expect, I think that works really well. So I doubt you have that on your list. Autumn (36m 59s): and I love that one though, because your right that is often the little twist that is just so much fun. I there's a comic I've saved from years ago. That is a group of friends playing D and D. And I liked everything about it because it showed the characters. I created all had some weird, unique thing. And the character is the people who were playing the characters were their own unique entities. And it's exactly the same thing. It kind of, I saved it because it was like, this is not what I expected. Autumn (37m 31s): And it was hilarious. And yes, it, if anyone has ever read it, it was the one where they're trying to an ogre and I'm sort of swashbuckling Hero. We were trying to fight and all of their roles to fight, roll poorly. So he ends up making a pass. They end up almost like kissing until he makes a pass, enrolls a 10 and they end up getting engaged. And that's how the war ends. And I just crack up whenever I read it. So definitely throw in, throw in the fun ones, but yeah, you in that one too. So that's to that. Autumn (38m 2s): I didn't, I didn't think about that one, but it's very true. And I totally agree because that's sort of what goes to my number one, but I don't have it phrased that way. And it wasn't what I was thinking when I said it. So you want to know my number one One is yeah. In a way I feel like it's cheating, but its because we just did this whole list and we just we've got over what 18 different things I want to see, not a list of 18 different things and tropes sorta what you just said. Autumn (38m 33s): I don't want to see this list of things that a character should be. I want someone who feels Real a fully developed character who has personality wants desires. Uh, it, it feels like someone who is not created just to fill a role in this story or to hit all the right buttons so that they know rescue puppies and also have a flaw and have to go learn something. And I want something that really feels like an authentic character in person, someone who's going to have has already been through it a thousand stories and it has another thousand to go through assuming they survived the one you're Writing yeah. Autumn (39m 10s): Yeah. I think that's a good one. Alright. And then I have to add up how many we had overlap. Yeah. This is probably the most important one of them all I already, yes. It almost pains me. I don't want to say it eventually. I know, but eventually we have to let other, you know, the listeners go back to their lives so they can go create an awesome Hero yeah. Jesper (39m 39s): A good protagonist needs floss. Exactly. What's it? Like I put it on number one and you had it on number two. It's just like it's again, Well a two way too close. Yeah. So of course, like you said, it's not a positive trait. A and I know that, but we just couldn't build a list like this without including floss, like you said as well. Yeah. I think that's impossible. A, we need to balance out the positive attributes and also yes, they also have the character arc and the growth, you know, the floss, his what makes the character arch and a growth seems impossible. Jesper (40m 20s): That's what we want. So it will make the read a question. Can this type of person even managed to succeed in whatever they're trying to do. And I think that's how legends are made. Autumn (40m 32s): Right. I agree. I definitely agree. It's what I like about characters and I think what makes them resinate with us. So it is so funny you that we had them, uh, we til we had two sets, so were back to back. I think we, I think that's why we did not have much, um, of a difficulty creating our Hero for the book we're working on together. Yeah. So you said 50% overlap and I said less than 50 and what did we have? Like 80 make them counting him up. So we had 20 total, um, one, two, three, four, five, six, seven, eight, nine, 10, 11, 12, 13 at a sweater. Jesper (41m 15s): So I think we got over 50%. Yes we did. You win. Okay. Well, well I think what can be concluded from these list is how character's they must be balanced. Yes. They need to be interesting enough. Autumn (41m 34s): So that readers find the characters compelling yet. I think also they need to be ordinary enough that they are relatable. You know, that's why Superman is not a good character. No, I don't really like Superman at all. Yeah, no, I think this was a lot of fun. Autumn a lot of fun. They really got me thinking about heroes even in my own writing and what I've liked about the characters. Just, you know, they could be so different, but there are some SS essences that foil down, they make a great Hero. Autumn (42m 7s): Yeah. So now that we have discussed the good Hero goes off your story. What about the villain? So next Monday will be back with two new lists, but this time concerning the antagonist, Narrator (42m 18s): If you liked what you just heard, there's a few things you can do to SUPPORT THE AM WRITING FANTASY PODCAST please tell a fellow author about the show and visit us at Apple podcast and leave a rating and review. You can also join Autumn and Yesper on patrion.com/am Writing Fantasy for as little as a dollar a month. 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Sheetal, Bruten and Curo talk about dreams and why we have them and also get side tracked a multiple number of times.

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Anne-Day McCabe Triana talks about how we can invest in ourselves both personally and professionally. Find The Dating Advisory Board here: Website: http://www.thedatingadvisoryboard.com YouTube: https://goo.gl/MC1jjt Instagram: http://instagram.com/thedatingadvisory Facebook: https://www.facebook.com/thedatingadvisoryboard/ Snapchat: jenhecht1 Twitter: https://twitter.com/JenHecht1 Google+: The Dating Advisory Board Anne's Bio: Anne is the CEO and wealth advisor at Curo Private Wealth. Although Anne nearly threw in the towel during her business start-up phase, she stuck with it and says "I found my calling in what I'm supposed to do." Listen to how the same resilience, dedication, and self-investment used to help her business succeed applies to the dating world. Securities and Advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Investing involves risk including loss of principal. No strategy assures success or protects against loss.