Sage Money Conversations with Barbara Norman CFP®

Sandra Estok became the victim of identity theft. Not only did it change her life, but the fall-out affected her work and almost destroyed her marriage.

In this episode she shares her horrifying tale and teaches us how to protect yourself against hackers, scammers, and cybermonsters .

Sandra Estok is the founder of Way2Protect™, author of the international bestselling and award-winning Happily Ever Cyber!™ book, and the Cyber Literacy series for children. She is a Keynote Speaker and Corporate Trainer with over 20 years of experience in Cybersecurity, IT and Data Privacy. Her mission is to empower women to take charge of their cyber safety, thrive using technology and have Peace of Mind Online.

#cybersecurity #identitytheft #HappilyEverCyber #onlinescammers #identityprotection

Connect with Sandra:

Twitter: twitter.com/way2protect

Facebook: facebook.com/way2protect

Instagram: instagram.com/way2protect

Pinterest: pinterest.com/way2Protect

LinkedIn: linkedin.com/in/way2protect

Way2Protect on LinkedIN: linkedin.com/company/way2protect

YouTube Channel: https://www.youtube.com/way2protect

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Less really does means more! More money, more time, more peace of mind, more freedom to be who really are and to do the things that bring us joy. Stephanie Seferian is the best-selling author of Sustainable Minimalism and host of the top-rated podcast by the same name. Join us as we explore how to get to an unencumbered and happier life.

Stephanie Seferian is a former teacher-turned full-time podcast host of The Sustainable Minimalists podcast. She's also the author of the non-fiction book Sustainable Minimalism and is an avid distance runner and a lover of fiction. Stephanie lives just outside of Boston with her two daughters, yellow Labrador Retriever, 10,000-ish bees, and husband who loves to compost almost as much as she does.

#minimalism #sustainableminimalism #maximizeyourlife #findyourjoy #downsizeyourlife

Connect with Stephanie:

Get a copy of Sustainable Minimalism

Visit her website

Subscribe to The Sustainable Minimalists podcast

Facebook: https://www.facebook.com/SustainableMinimalists

Twitter: https://twitter.com/mamaminimalist

Instagram: https://www.instagram.com/mommyminimalist/

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Do you feel vulnerable when it's time to get your car repaired? Meet Erika. She was taken advantage of by a car repair shop, and then made it her life's mission to learn everything about cars and become a great service manager. Tune in as she tells her story and gives us some great tips.

Erika Lara has been in the automotive repair business for 6 years and wouldn't change it for the world. Erika's parents are both retired from the medical field and hoped she would follow in their footsteps. Erika likes to tell them now that she does save lives, but in a different way.

#carcareforwomen #carbasicsforwomen #divorce #carrepairsforwomen #dontbetakenadvantageof

Website: http://www.ebersstreetgarage.com/

Instagram: @love_cheesefit

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Fire Up Your Life

Sage Money Conversations with Barbara Norman

Episode 47 Fire Up Your Life with Kate Butler

What kind of life do you want to have and how do you want to be remembered? Kate Butler is an international bestselling author and producer of the weekly TV show, Where All Things Are Possible. Join us, as she tells us how to create meaning and live our best life.

Kate Butler is the TV Host of the wildly popular show Where All Things Are Possible that streams on the RVN Channel via ROKU. She is also a #1 International Best-selling Publisher, Author and Speaker. Having published over 300 #1 Best-selling Authors, Kate is truly an expert on taking your story and bringing it to life in a best-selling book...this is her specialty! Being in Kate's world you can expect miracles to unfold daily and life to become magical. This is guaranteed!

#whereallthingsarepossible #katebutler #createyourownstory #createmeaning #bestlife

Contact Kate:

Website: www.katebutlerbooks.com

Facebook: Kate Butler Official

IG: @katebutlerbooks

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Grief is inevitable. The dilemma is how to deal with loss and move forward. Ligia Houben, a well published and sought-after grief expert, teaches us how to transform grief and turn it into meaning and personal growth. If you or a loved one is moving through a loss, please tune in!

Ligia M. Houben MA, FT, FAAGC, CP is a whole-hearted educator who has reached thousands of people with her message about grief transformation, meaning, and personal growth. She is a Former Board Member of ADEC (The Association for Death, Education, and Counseling). Ligia is a Fellow in Thanatology: Death, Dying, and Bereavement and a Fellow in the American Academy of Grief Counseling.

Mrs. Houben holds a BA in Psychology and Religious Studies from the University of Miami, MA in Religious Studies and Graduate Certificates in Multidisciplinary Gerontology from Florida International University, and in Loss and Healing from the mental health program from St. Thomas University.

Ligia is a Certified Professional Coach (CPC), and the former Grief & Growth Coach Leader for International Coaching Academy (ICA). She is a former PESI presenter, with her signature seminar- Transforming Grief & Loss. Strategies to Help your Clients through Major Life Transitions. This seminar was presented in more than 100 cities and is based on The 11 Principles of Transformation®, the grief model she created to transform losses into personal growth. It was introduced in her book, Transform your Loss. Your Guide to Strength and Hope.

https://the11principlesoftransformation.com/

https://www.facebook.com/ligiahouben

https://www.instagram.com/ligia_houben/

#LigiaHouben #Grief #forgiveness #MovingPastLoss #LifeAfterLoss

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Dealing with Dementia, Alzheimer's, or just general aging and slowing down is stressful. Adding on to that, is the worry and the legal complexities for how bills and finances are handled. This has the potential for high drama!

Amy Burfitt walks us through the conversations and nuances we need to be aware of. Learn to navigate the process and protect your loved ones – before you get there!

Amy Burfitt is the Executive Sales and Marketing Director at Monarch Cottage located in the village of La Jolla. She is proud to have over 15 years' experience supporting families and seniors in San Diego. Her passion is guiding families through the complex space of long-term care by simplifying information such as the difference between the varying types of long-term care, Medicare, MediCal, LTC insurance and what is needed legally and financially. She graduated from Sonoma State University, in Communication Studies and has worked for Sunrise Senior Living, LivHOME, Healthy Living and Monarch Cottage.

#alzheimerscare #dementiacare #longtermcarefinancialplanning #seniorlivingn #protectyourlovedones

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How are assets protected and preserved when a new spouse (and maybe their kids) join the family? "It depends." The inter-personal dynamics and the laws can be complex. Anne Wenger of McLaughlin Legal digs into the complexities of blended families and offers great strategies for passing assets.

Anne is committed to providing hands-on legal services to the McLaughlin Legal clients and families she works with, assisting them in making important legal and life decisions for themselves and the future of their loved ones. She excels at breaking down legal and tax concepts in such a way that becomes easily digestible for her clients, making the estate planning process less intimidating. Anne is frequently invited to speak at educational seminars held by financial planning firms for their clients to educate them about estate planning issues.

Connect with Anne:

Website: https://mclaughlinlegal.com/

Phone Number: (858) 678-0061 x 102

Email: [email protected]

#EstatePlanning #BlendedFamilies #Trust #Trustee #Assets

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Sharon Herrick is a widow, and she is living the life she always wanted to live. It's never too soon or too late to re-make ourselves. She inspires us to be open, wild and a bit crazy. Tune-in, as Sharon challenges us to do the same.

Sharon Herrick grew up in Texas and attended St Mary's University in San Antonio. She has worked in an array of professions, including banking, office management and life insurance. She even spent nine months with Maryknoll missionary nuns

Sharon Herrick has CLU (Chartered Life Underwriter) and CASL (Certified Advisor for Senior Living) designations, series 6 and 63 security licenses. She is a 2013 LILI (Leadership in Life Institute through NAIFA) graduate and a past member of NAIFA-AR (National Association of Insurance and Financial Advisors) past member of State Board of Directors. Additionally, she was the 2015 IFAPAC chair for NAIFA-AR.

Sharon received the industry's National Quality Assurance award and the bronze and gold awards from Northwestern Mutual for production achievements. She also graduated of the Fastrack Academy, training session provided by Northwestern Mutual to agents meeting certain performance standards.

Sharon was awarded the Gaylon Brown Lifetime Leadership Award by NAIFA-WA in 2012.

Sharon is a widow with two adult children and currently spends her time as an author. She is most fulfilled when helping others realize their goals and dreams.

#NextChapter #FindJoy #ReinventYourself #NeverTooLate #LifeAfterWidowhood

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The person who unwinds an estate has many time-consuming and complex tasks. The devil is in the details. Do they know what they must do, when to do it, and the liabilities they are assuming? Roberta walks us through the tasks of an executor.

Roberta j. Robinson, attorney-at-law, is a California Board of Legal Specialization Certified Specialist in Estate Planning, Trust and Probate Law. Now in her 44th year of practice, Roberta's works with her son and partner, Attorney Daniel J. Wilson. Roberta's office is located in Rancho Bernardo in the City of San Diego, CA,

Ms. Robinson helps clients to establish living trusts, wills, financial powers of attorney and advance health care directives. Roberta helps clients avoid conservatorships and probate, minimize estate/income/and property taxes, and transfer assets to their heirs.

Ms. Robinson has taught the course entitled "Family Estate Planning" for San Diego State University, Extension since 1982.

Connect with Roberta:

Email: [email protected]

Website: https://www.trustlaw.us/

#Executor #Will #Trust #Liabilities #Fiduciary #Probate

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The average household loses over $110K of Social Security benefits over their lifetime. Why? Social Security has 2700 rules, and their agents are not allowed to offer advice. Martha Shedden, a Chartered Retirement Planning Counselor, talks about some of the loopholes, what the mean to you, and where to get help. This episode is a great learning opportunity – even if you think you don't qualify!

Martha Shedden is President and Co-founder of the National Association of Registered Social Security Analysts, NARSSA, which provides online education and training for financial professionals to become Registered Social Security Analysts. The five module RSSA program provides professionals with a thorough knowledge of the Social Security program and trains them how to analyze clients' claiming options to obtain their maximized Social Security income by filing for benefits at the optimal time. The modules provide CE/CPE units for NASBA, the CFP Board, and the IRS. Martha is a certified Chartered Retirement Planning Counselor (CRPC) and also has her own business, Shedden Social Security & Retirement Planning, helping retirees make their optimal Social Security claiming decision.

She is passionate about educating financial professionals and retirees on the details of Social Security income planning, the foundation and first step to creating a financially secure retirement plan. Trained and practicing as a professional engineer for over 30 years, she enjoys the detailed, problem solving aspects of Social Security income planning, sharing her knowledge with others, and helping them make this very important financial decision.

Martha has over a decade of experience providing Social Security education, consulting, and analyses for individual clients, financial and accountancy professionals. She is the author of numerous Social Security white papers, seminar presentations and articles in financial publications.

#SocialSecurity #Taxes #Income #Retirement #SpousalBenefits #SurvivorBenefits

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