Showing posts with label Educational. Show all posts
Showing posts with label Educational. Show all posts

Thursday, October 11, 2012

The Power of Apology

42) The Power of Apology







S
ome people just don't get it.  I fear it's more often men.  People have to be taught the healing, and healthy power of an apology.  An apology goes a long way.

            ”I'm sorry” and, "I apologize" are powerful and important phrases.

            They immediately diffuse a situation; they allow you to move forward, whether it's to walk away, be able to remain in the same room or car, try to grasp your feelings, cry, talk, or have 'make-up' sex, or remain friends, or simply non-violent.

            I believe it has to do with assuming responsibility for your actions, and respecting other people, and their feelings.

            If one can get out of their own way, and be confident enough in themselves, and their personal code of ethics, then one can more easily apologize.

            Apologies prevent war, apologies prevent fights.  Apologies can salvage activities, and relationships.  Apologies help avoid misunderstandings, confrontations, and unnecessary stress.  Apologies maintain familial relationships, allow friendship to foster, marriages to last, groups to thrive, civilizations to flourish, and humanity to evolve.

            Apologies can display empathy, and compassion; they can aid self-esteem, and self-confidence.

            We are a social being; we need others.  Apologies are generally inexpensive, and healthy; they are a life tool, and can aid your moral compass.

            How do you navigate?

           

Friday, October 5, 2012

41)  Tornadoes in New York!







T
ornados in New York - again!  Tsunamis, earthquakes, hurricanes, early snow, global warming, sun spots, meteors, unchecked deadly  insect, and animal populations, Avian Flu, bio-warfare, cancer, obesity, nuclear meltdowns, terrorism, murder in the streets, murder in the home, auto accidents, accidents in the home, the end of the Mayan calendar; end of the world?!

            Will anyone be surprised if aliens appear?  How about if the Earth opens, and Godzilla or Mothra emerge?  (I venture to guess that many New Yorkers will still just try to make the light and catch their train.)

            Nevertheless, are you prepared?  Have you planned?

            "What's a woman to do?! "

           
Risk Management, fellow Terrans:

1.    Step 1: Use Common Sense - the least common type.  Extra groceries & water in the house, a  Go-Bag & escape route, computer back-ups, life skills, mental skills, tools, lists, B-plans.

2.    Step 2: Emergency Cents (cash).  Cash to travel, savings for emergencies (& opportunities!), repairs, unemployment, disability; self-insurance.

3.    Step 3: Credit Availability, short-term borrowing, and/or not having to carry too much cash.

4.    Step 4:  Insurance - transference of the cost, of a catastrophic risk, to someone else; OPM (Other People's Money); pay a small amount of money to reserve a large amount of money:

a.    Health Insurance
b.    Disability Insurance
c.    Life Insurance
d.    Homeowner's (incl. Renter's) Insurance
e.    Auto Insurance
f.     Professional Liability Insurance
g.    Other Insurance

            Life is risk; do you manage it?  - Or does it manage you?
           


Monday, September 24, 2012

39) Wise Planning






J
ust prior to Independence Day, I  returned from one of my visits to Sverige - Sweden, as the Svenskas (Swedes) know it.

            Stockholm was wound up with the most rain they'd had in 100 years, however, thanks to the clouds, I often got to sleep in darkness.  The enthralling Eurocup had captured the nation (although Sweden has never actually been conquered, in part due to the cliffs surrounding the waterways into the city), the Olympic trials were on TV, and Midsommar, their solstice celebration, was starting, which meant a holiday weekend, summer vacations, closed shops, and, like Manhattan, the city became a relative ghost town, as people fled to the archipelago.  They celebrate it similarly to our Independence Day, with traditional, food, drink, snaps (schnapps), special flowers, traditional costumes, song, and a dance or two around the Maypole, all of which is just an amazing, fun experience.

            Sweden recently put out a postage stamp commemorating their 1,000 anniversary.  As compared to New York City, Stockholm is much older and the apartments smaller.  Therefore, they must use space better.

            Stockholm is a very easy city in which to live.  Everyone speaks the Queen's English terribly well, and knows almost all American idioms due to film, TV, music, and clothing.  Although it's every bit as much a walking city as New York, there is terrific infrastructure from subways to buses, taxis, commuter trains, airport trains & buses, highways, bicycles, and telecommunications.  Never have I had better cell phone reception, which leads my clients to disbelief when I tell them I'm standing on the back deck of a friend's in Stocksund - their 'Westchester' suburb.  And with the web, I have Skype, e-mail, NY1, and WQXR, 'The Classical Music Station of NYC'.

            Stockholm is beautiful, old, and modern, with a few extra boroughs than New York City.  They have much culture from restaurants, concerts, museums, movies, clubs, to ice bars for the tourists.  The waterside cliffs have prevented them from ever having been conquered.  They are basically surrounded by water, and one in three Stockholmers has a boat.  Like true Vikings, they take to the 'sweet' (fresh vs. salt) archipelago water at every opportunity.  However, instead of antiquated sonar, they watch the rocky bottom depths with GPS, and meet at rocks or islands determined by GPS coordinates. 

            The people of Stockholm are as international, and sophisticated as anyone.  They are stylish, worldlier than Americans, older & wise.  Their people are good citizens.  They pay high taxes but have access to health coverage, unemployment benefits, and retirement benefits.  This makes divorce less of an issue - if they bother to marry.  They believe you should work even if you're unemployed, and collecting.  Rich are moving back, to 'give back' having previously left to protect their wealth from taxation.

            They tend to travel, be fit, and enjoy taking care of their bodies with a sauna (pronounced ‘sowna’), and/or steam, hot & cold bathes, and massage.

            Swedes are technophiles, always on the leading edge of adopting, if not creating technology; much market testing is done there.

            Sweden has planned magnificently for everything from dishwashers, to toilets with  two-sided handles (for low water volume in case you've only urinated), to heated towel racks, triple-paned windows (to save energy), elevators up the middle of old building stairwells (with seats!), to outdoor neighborhood recycling bins (with low level slots for the handicapped), to overnight street cleaning (with NYC-style vehicular sweepers on the sidewalks!), to fitness facility showers that turn off after a predetermined number of seconds (to save water), to level sidewalk cafes on steep hills, to buses with wide rear doors at curb level that allow baby strollers free access & free rides, to charging you for bags at the supermarket (to promote environmental temperance),  to handing you a personal credit card swipe machine (for security), requiring only a PIN (vs digital signature) when making retail & restaurant purchases, to the ability to pay individuals directly, electronically.

            I would argue that the US is not the world leader in technology and planning.

            People don't block the doors on the subways or vandalize the drink & candy machines on the platforms.  Meal portions are smaller.  They are an involved and aware member of the world community, enjoying a much larger middle class, health insurance, and retirement benefits in spite of higher tax rates than in the US.  They are proud, good citizens who exercise their societal responsibilities.  Millionaires, who once left the country to protect their wealth from taxes, are returning to enjoy the quality of life, and 'give back'.

            They are a hearty, smart, good-looking people with a strong work ethic, and great sense of humor.

            Granted, they've had hundreds of more years to evolve than Americans, but we tend to be ethnocentric, and want everything big, and now.  Many of our citizens rape the system, and leave the country.

            Although we, and the whole world, identify with the 'American Dream, we are not necessarily as good neighbors as we could be.  We are not aware of how our older brothers and sisters live, nor do we learn from them as fast as we could.

            We are so caught up in our individual rat races that we don't stop to smell the roses and dance around the Maypole.

            Don't get me wrong, Auntie Em, there’s no place like home; I like living in the USA, especially the Upper West Side of Manhattan.  I enjoy our freedoms, and hopes, and being near family, familiarity, and the ‘crossroads of the world’.

            But I also recognize that our time as the world leader may be beginning to wane, just as it has for so many other kingdoms, and empires, and that there are great things, people, and places outside the US from whom we can learn, and befriend.

            We may have adopted policies of policing the world that we must follow through on, and we may have been imperialistic or bullies, like any adolescents, but we can grow, and our neighbors can help.  In the meantime, like older siblings, they wait for us to mature to a point where we can be better listeners, family members, and world citizens.

            In the meantime, with balance, they celebrate their pasts, enjoy their presents, and responsibly plan their futures.

            Do you?

www.WomenAndMoney.TV




Friday, September 14, 2012

38) A New Beginning


     
  J
ust as the Jews allow for a week of mourning a death before having to return to the living, they also spend a week (8 days) putting the old year to rest, starting afresh, the new year.


            Whether it's the weather, or Rosh HaShanah (Literal Hebrew to English: "May you be inscribed (in the Book of Life) for a good year."), the 'School Year', or autumn, it's a time to start anew.

            At the beginning of the year, people traditionally put the old year to bed (e.g. reflect, ask for forgiveness, share blessings and good humor with others, hope for peace and good things, and make resolutions and list goals.

            To me, it's great to live in an international community, where I have the opportunity to start a year fresh multiple times per year.  It helps to review & update goals, and their progress.

            That's how financial planning works: set goals, analyze values, evaluate options, make a plan, implement the plan, monitor progress, manage progress, and celebrate success.

            What's your plan?  Who's helping you?


            www.WomenAndMoney.TV


Wednesday, August 29, 2012

36) Let’s Chat





N
Y1 is NYC Time Warner Cable's 24-hour news channel 1.  In a recent debate between five Manhattan candidates for Congress, including the 42-year incumbent, Charles Rangel, the female candidate asked a question of another candidate about women.  It brought up the fact that women are still paid $0.75 for every $1 earned by a man.

          It's 2012?!

          What is this?!  Why?!

          Consider the following:
    • Women now make up:
      • 51% of the population
      • 2/3 of the workforce
      • 60% of college students
      • Growing ranks of legal, medical & accounting professions, and then some
    • Women control $14 trillion of personal wealth 
    • Women are more interested in achieving goals, than becoming rich 
    • 77% feel more knowledgeable than five years ago 
    • 72% maintain a private checking account inaccessible by the man in her life 
    • Women are not credited with managing household investments, and bill-paying 
    • 26% become interested in investing due to a life event such as childbirth, divorce, or death of a spouse 
    • 28% support an adult child 
    •  27% financially support parents 
    • 81% think that they’ll live to be 80 or more 
    • 37% think they’ll spend part of their retirement in a nursing home 
    • 54% of married women consider health a financial risk 
    • 36% consider death of a spouse to be a major risk 
    • 38% employ a financial advisor (54% for affluent women) 
    • Women are eager to find an adviser but are unhappy with the services, and products offered 
    • 50%+ feel patronized by financial advisors, especially as compared to male clients 
    • Women want a variety of services from their adviser 
    • Women are loyal, and make referrals     
                Who’s addressing your needs?!


Monday, August 13, 2012

35) Olympic Fever



I
 love the Olympics.  I was turned on to them in 1964, and haven't stopped watching them since.  When I graduated high school, four of us cycled to Montreal where we attended the Games and saw the likes of Bruce Jenner; that was when Nadia Comăneci scored the first perfect 10.  I ran into Cathy Rigby in the street.

            The XXX Olympiad is remarkable.  There seem to be more teams, countries and coverage than ever before.  Women seem to be in sports like shot put, javelin, weight lifting, boxing, and Water Polo, where I only remembered men.  Many have returned for their fourth or fifth Olympics.  For the first time, on the US team, there are more women than men. And, as of Wednesday, 23 of the USA's 34 Gold Medals were earned by women.

            I'm blown away by the number of female Olympians who have children, including twins, and are back, winning medals.  Talking about balancing your life!

             The US's first gold of the games was from a five-time Olympian woman marksman (only 36 years old).  Swimming, including marathon, gymnastics, and beach volleyball brought more.  Thursday saw the American women win gold in Soccer and Water Polo.  Friday will probably see them take gold in basketball, and on Saturday, maybe volleyball.

            We're still a great country, and maybe, finally starting to mature.

            At least one of the US women's swimmers trains with men, and it shows in her successes.  Is it only a matter of time before women and men begin to compete with each other?

            Is your life balanced?  What are your goals, woman?

            www.WomenAndMoney.com



Friday, June 8, 2012

34) Surrogates and Avatars



R
eplacements and representations.  Who's really on the inside?

Can you make a list of your values?  Have you thought about morality?  Honor?  Integrity?  Loyalty?  Commitment?  Heroism?  Courtesy?  Friendliness?

            Have you experienced really, really low lows, where you came to the fork in the road that separated suicide from salvation?  Have you bravely made a conscious choice to live?

            Have you ever experienced highs so high that you scared yourself, and when you regained your wits, you surrendered to, and celebrated it?  Was it actually everything you thought it could be - the best experience or time of your life?

            Spirit is the third side of the Body-Mind, Spirit triangle.  Some believe it is eternal, or segues to the next part of your existence.  It can be the most important, if not magical part of your life.

            Everything else is left behind; you can't take it with you, unless it's a part of your deeper core values.  Maybe taking it with you is what causes karma.

            Visit with a full-fledged Financial Planner, and discover, or rediscover yourself!  Organizing your physical and mental life frees you to explore your spiritual and emotional lives.

            Isn't that more valuable?  Isn't that a better definition of wealth management?

         

Friday, June 1, 2012

33) Navigating the Current



I
'm a retired Aquatics Director; a 30 year veteran of a wide range of aquatic specialties, and non-aquatic cross training in the YMCA System.  The Y had everything; it was a microcosm of the world.

            Every spring that I could, I went off to NE Region YMCA Aquatic School at Springfield College in Massachusetts.  They're affiliated with the YMCAs (the Mind, Body, Spirit triangle is imbedded in their sidewalks).  They have the Art Linkletter natatorium with a 20-foot diving well including an underwater window.  There are movable bulkheads to change the length of the pool.

            The 10-meter platform was removed years ago for safety reasons, but we had used it to have blindfolded Special Populations Instructor Specialist candidates jump off, in order to create a feeling of empathy.

            Compared to most NYC pools, it was amazingly big and diverse.  There was even a rumor that their filtration system used bromine, rather than chlorine.  This would have been a rarity, but have accounted for the blue hew, rather than green with the smell of chloramines.

            We'd work hard and play hard for the better part of a week, and return home certified, exhausted, and ecstatic.

            I would probably be there right now since it's held in early June.

            But I digress.

            What I am telling you is that you should never swim alone, and you can't swim against the current.

            If you are trapped in a current or a rip tide, you swim across it, or with it.  You don't want to panic; you must keep your wits, and be mindful of slowing heading for shore.

            When you're steering a canoe or an upside-down kayak, in rapids, or hit a hurricane while onboard an ocean-going vessel, you don't throw the ship away.  The same with a life plan, a career plan, a financial plan or an investment plan.

You stick with the ship, and decide how, or if, to alter your plan.  You can’t control the water or the weather.  The storm will pass.

            The going gets rough, but you have a vessel, a destination, a chart & map, and a will to survive.

            You must be committed, and patient to ride out the storm, but it will pass.  At times, you may feel sick, tired, cold, and wet; but you must remain diligent and flexible, and on guard, trusting yourself and/or your captain.

            If you like the sea, but don't want to be the captain, you can hire one, leaving the day-to-operations to professionals; if you swim, you can go with a ‘buddy’ or swim where there’s a lifeguard.

            Since there are no guarantees in life (albeit Ben Franklin quipped, "except death and taxes"), it helps to learn what it is about yourself that you can always count on (e.g. knowing how to react in an emergency, body alarms).  It’s also helpful to make certain important, foreseeable decisions in advance (e.g. if a deer walks onto the highway, I am not going to severely swerve to avoid hitting it since I may run into a tree).

            I recommend you consciously learn & state these things.  Then forget about them, and know that they are a part of you, you can count on forever.  This way, you won't have to think about them anymore; instead, you can devote your time to new work, endeavors, inquiries, studies, and skills, and unburden your brain.

            You can live/survive/thrive better, especially when faced with potential threats.

            If you can identify threats, you can also practice preparedness, and devise responses.  This an Emergency Plan, and it’s a strength plan.

            This is part of a larger SWOT Analysis (Strengths, Weaknesses, Opportunities, Threats).

            SWOT analyses work in almost all situations, and are a logical way to prioritize, and strategically plan.

            If you have a life plan, a career plan, a financial plan, an investment plan, a college plan, a parent's long-term care plan, or an estate plan, you know that you've set goals, maybe outlined or identified time-lines, and that you need to monitor and manage the plan.  Simple systems help; KISS (Keep it Super Simple - a more positive interpretation of the acronym).

            If you don't have goals and plans, you're either happy with your life/luck/karma/attitude/etc., or you may wish to consider setting some, either to help attain goals, or at least, feel better for having tried.

            You may not be able to swim against the current, and you may feel like a cork on a fast-flowing river, just bouncing around out of control, but you can learn to guide a raft down rapids, avoid big rocks & waterfalls, and steer to a bank (no pun intended).  These aren't just financial skills, they're life skills

            Do you swim?