226. What is ESG Investing? Why should you care?

Today on the show: There are so many things going through your mind, so many emotions you deal with when you decide to get a divorce. A lot of these feelings, insecurities, fears tend to cloud our judgment and decision making which is the reason why many women make divorce mistakes. Today Kitty Bressington will go over some of the most common mistakes and give you words of wisdom no matter where you are in your relationship. Kitty Bressington, CFP®, CDFA is a founding principal of Linden Financial Consultants, LLC a fee-only, hourly-only financial consulting practice. With more than 20 years of experience, Kitty provides affordable, objective, well-explained financial advice helping clients understand the long-term ramifications of the financial decisions being made, particularly during the course of a separation and/or divorce. Kitty is also founding director of the Foundation for Women’s Financial Education, a non-profit dedicated to improving the financial literacy of women in the Greater Rochester area and local sponsor of the Second Saturdays Divorce workshops.  Also on the show today, in our "No Dumb Questions" segment If you have a kid who is about to graduate from High School, CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what a Parents Plus Loan is and why so many experts urge parents to find an alternative way to pay for college.. And in the last 10 min of the show, we’ll "Take a Seat at the Kids Table" How to teach kids about investing…even if you’re not the best with it yourself. First, we'll ask the kids what they think it means to invest and then we'll bring on our money expert Susan Beacham founder of Money Savvy Generation for her advice. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: AND   To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

You might already be at the point where you’re just tired. Tired of reinventing yourself. Tired of dealing with and overcoming the curve balls that life throws at you. TV/Radio host, Philanthropist and single mom of 5 Kim Adams is still being forced to improvise adapt overcome. She might have exactly what you need to hear right now. Follow Kim on Facebook Follow Kim on Linkedin Plus in our No Dumb Questions segment. We hear so much concern about inflation, what does that really mean? Especially for your wallet. Economist Mark Schug aka Grandpa Mark is here to break it down for us. And the last 10min of the show we’ll take a Seat at the Kids Table It’s very important to teach kids about budgeting BUT there’s one step that a lot of parents skip over. It actually comes even before you start talking about budgeting. Founder of Money Savvy Generation Susan Beacham is to explain. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today on the show: It’s CRAZY how much money companies specifically Pfizer have made off of the COVID vaccine. Pure profit. Morally, how should we feel about this? We’ll ask Jill Schlesinger, she’s the CBS News Business Analyst, host of the Jill on Money show She was on Spezzano and Sandy the radio morning show I cohost and I thought I’d share it here with you. Also on the show today, in our "No Dumb Questions" segment You might be itching to renovate the house, so what IS the difference between a Home Equity Line of Credit and a Home Equity Loan? CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain. And in the last 10 min of the show, we’ll "Take a Seat at the Kids Table" When one of your kids comes to you asking for money, what is the right way to help bail them out yet still keeping it fair so the other kids in the family don’t become resentful? Susan Beacham founder of Money Savvy Generation pulls from her decades of working with families. The valuable lesson every parent needs to know Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

One time or another in your career you may have found yourself being the corporate "Yes Girl." For whatever reason you just sat there and bit your tongue instead of speaking up. Well, hopefully today will be the turning point. You will find the confidence to STOP being the "Yes Girl" and find your Bold Voice. Kim Boudreau Smith is passionate about being an advocate for women and helping them find their bold voices. She herself lived through navigating the ranks in the corporate world and found herself holding back and not being true to who she was. Kim helps all of us find our bold voice, from how to respond when the boss tells you they can't give you a raise to how to physically sit in a meeting to command respect. Reach out to Kim LinkedIn Instagram Facebook Also on the show today, in our "No Dumb Questions" segment We answer a listener's question about divorce. Actually it's a very common question. If your IRA is in your name do you still need to split it in the divorce? CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what you can keep to yourself and what is considered marital property. And in our "Seat at the Kids Table" segment When your child falls blissfully in love and it's time for the big wedding, WHO pays for it? Is it on you the parent? First, we ask the kids what they think and then Founder of Money Savvy Generation Susan Beacham will give you a simple solution to getting rid of the wedding stress. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today on the show: You’ll be surprised how quickly you can start making money food blogging. If the thought of perfection is holding you back, Don't let it! You don’t have to worry about trying to be perfect, you don’t even have to be the best cook. Food Blogging Pro Megan Porta is here to talk you through the important steps you need to take. Food Blogging 101 Follow Megan's Food Blog Pip and Ebby  Follow Megan's podcast and be part of her membership group Eat Blog Talk Plus, in our "No Dumb Questions" segment If you are not happy with how much money you have right now, well you can blame it on 3 things: The endowment effect, Loss aversion and The status quo effect. Economist Mark Schug (aka Grandpa Mark) is here to explain how behavioral economics trips us up every time. Connect with Mark MarkSchug.com And in our "Seat at the Kids Table" segment Influence spending every year is in the billions.. Marketers start directly targeting your kids at age 8months old. You need to step in and get ahead of it. Founder of Money Savvy Generation Susan Beacham is here to tell us how. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today on the show:  Before we talk about ESG investing, we’ll start the show with our “No Dumb Questions” segment. What is the difference between a Bank and a Credit Union? President & CEO at Summit Federal Union Laurie Baker is here to explain. Have you heard the term ESG investing? It stands for Environmental, Social, and Governance. What is it and why should you care? CBS News Business Analyst and Host of the Jill on Money radio and podcast show Jill Schlesinger is here to explain. This is a conversation we had with her on the morning radio show I co-host "Spezzano and Sandy." Since yesterday was Earth Day I thought it would be fitting to share the conversation with you here on the podcast. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “When should parents stop paying for the extra things their kids want?” Susan Beacham founder of Money Savvy Generation has the financial cut off age and why it's best to allow our kids to figure out financial struggles on their own. Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today on the show:  Before we talk about Imposter Syndrome, we’ll start the show with our “No Dumb Questions” segment. What questions should you be asking when interviewing for Financial Advisors? There's 3 crucial things you need to make sure you know before you sign up with any advisor and today CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what they are. Imposter Syndrome: “Anxiety or self-doubt that results from persistently undervaluing one’s competence and active role in achieving success, while falsely attributing one's accomplishments to luck or other external forces.” Imposter Syndrome keeps coming up in conversation, especially now when more and more people are changing direction in their careers. So I thought it would be good to revisit an interview we did with Mary Braunschneider a few months ago. What’s the best way to overcome Imposter Syndrome? btw- Congratulations to Mary, Since our last conversation, Mary has been promoted to VP of Sales at Shay Rowbottom Marketing. Ways to connect with Mary: https://careerwebfolio.com/marybraunschneider/ https://www.linkedin.com/in/mary-vivian-braunschneider-4492a06/ [email protected] We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “What does it mean to live beneath your means?” Susan Beacham founder of Money Savvy Generation has the meaningful way to teach kids how to budget and live within their means. Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today on the show: Before we chat with Rosa and learn her simple technique that will help you change your mindset, we'll start the show with our "No Dumb Questions" segment. Is it more important to pay off all of your debt first or invest? It's one of the top Googled money questions and today Erica Cummings CFP at The Harmony Financial Wellness Group at RBC Wealth Management and host of the podcast A Strong Woman for Strong Women has the answer. Follow Erica on LinkedIn Email Erica Everybody talks about Mindset. "Shift your Mindset and you will reach your goals in life." Great! Now what does that mean? How? If you are not happy right now or feeling stuck shifting to a positive Mindset is a lot easier said than done. Rosa Montanaro aka 'Coach Rosa' joins the conversation today. She has had her share of uphill battles throughout her life and yes, she agrees all of her success came as a result of a Mindset reset. Rosa gives us a simple exercise to try. A way to start making the change today. Follow Coach Rosa Facebook Mind Over Platter We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids about taxes "What is tax day? What are taxes? I know I can't be the only parent who outwardly complains about tax day and taxes in general. When we do, what kind of message is it sending to our kids? What is the best way to explain taxes to our kids? Susan Beacham Founder of Money Savvy Generation is here. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

`Today on the show: Before we chat with Vanessa about why everyone especially women need to be part of the money conversation, we'll start the show with our "No Dumb Questions" segment. Last year 75% of families received a tax refund of about $3,000. Is it better to owe money at the end of the year or get a refund like so many families? Erica Cummings CFP at The Harmony Financial Wellness Group at RBC Wealth Management and host of the podcast A Strong Woman for Strong Women explains which strategy might be best for you. Follow Erica on LinkedIn Email Erica Vanessa Martinez Managing Director and Partner at The Lerner Group at Hightower Advisors joins the show today. We had an open and dare I say fun conversation about money. Talking about how more women need to show up to the money conversations. It's about building wealth not just investments and how to best get on the same financial page with your partner. Vanessa’s primary focus is guiding families through all aspects of their wealth. Vanessa’s passion enables her to dive deep into family dynamics and find actionable solutions for complex problems. By partnering with families, Vanessa is able to build meaningful relationships and help them pass on a legacy. Vanessa is also the co-author of Family Value at Risk, a book that details the details the importance of intentional communication among families, but most importantly between the matriarch and patriarch of the family. We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "What is a SMART goal? It's ok if you as the adult doesn't know the answer, that's why we invite Susan Beacham Founder of Money Savvy Generation to the kids table. What is a SMART goal and why it's crucial we teach it to our kids. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

`Today on the show: Before we chat with Denisse about coming away from the pandemic with more clarity and confidence, we'll start the show with our "No Dumb Questions" segment. A lot of people have questions about the new Child Tax Credit that was included in the American Rescue Plan. Professor Emeritus at University of Wisconsin-Milwaukee and Author of Teachers Can Be Financially Fit economist Mark Schug aka Grandpa Mark explains WHO will benefit from it. WHEN you can expect the money and HOW LONG will it last. Click here for the Kiplinger calculator Mark referred to. She is a She-Cession Success Story! Denisse Espalter, like so many other working moms were hit financially hard during the pandemic. Many are calling this recession a SHEcession because of the disproportionate number of women who have been directly impacted. Whether it be due to the fact they work in the industries most impacted or they were "forced" to walk away from their jobs or cut their hours to tend to the family at home. Denisse is a testament to that as she was working for one of the oldest and most recognized department stores Lord & Taylor, as a Regional Marketing and Events manager. Covid hit and in March of 2020 she lost that amazing job. Feeling lost as she was home now, wearing multiple hats as a mother of 3 girls, a teacher at best with kids being homeschooled, a therapist assisting her children with what the new norm was for all of us. Launching a new business and testing positive for Covid and dealing with the crumbling effect. How to overcome the covid crumble! Denisse is the founder of Unboxed Life & Style, a lifestyle brand. She also coaches and inspires people on how to take their life experiences and learn how to evolve. Follow and support Denisse: Instagram Facebook We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "What is price gouging? Is it ok to raise the price when an item is in high demand?" Susan Beacham Founder of Money Savvy Generation has a great way to explain supply and demand. A powerful budgeting lesson for kids. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices