#Transition to Retirement Strategy

[jameshayesfp]

Strategic Approach to Transitioning into Retirement | James Hayes 

A Transition to Retirement strategy can help you ease into retirement by allowing you to reduce working hours while still receiving an income from your superannuation. James Hayes, a trusted financial advisor in the Sutherland Shire, specializes in creating tailored strategies that maximize your retirement savings and minimize tax implications. With his expert advice, you can smoothly transition to retirement with financial security and peace of mind. Let James guide you through this important life stage with personalized, strategic planning.

[mariacallous]

In 2025, we will see a fundamental transformation in the language of climate politics. We’re going to hear a lot less about “reducing emissions” from scientists and policymakers and a lot more about “phasing out fossil fuels” or “ending coal, oil, and methane gas.” This is a good thing. Although it is scientifically accurate, the phrase “reducing emissions” is too easily used for greenwashing by the fossil-energy industry and its advocates. The expression “ending coal, oil, and methane gas,” on the other hand, keeps the focus on the action that will do most to resolve the climate crisis.

This discourse shift has been initiated by the latest report of the United Nations Intergovernmental Panel on Climate Change. The world’s climate scientists say that already existing fossil-energy infrastructure is projected to emit the total carbon budget for halting global heating at 2 degrees Celsius over preindustrial temperatures. This statement means two things. It means that the world cannot develop any more coal, oil, or gas, if we want our planet to remain relatively livable. And it means that even some already developed fossil-fuel deposits will need to be retired before the end of their lifetime, since we need to leave space in the carbon budget for essential activities like agriculture.

The international community has already integrated this new science into its global climate governance. The 28th Conference of the Parties—the annual conference of the world’s nations party to the United Nations Framework Convention on Climate Change—called for every country to contribute to “transitioning away from fossil fuels.” Never before in the history of international climate negotiations had the main cause of global heating been clearly named and specifically targeted. The United Nations itself now calls for the phaseout of coal, oil, and methane gas.

This new climate language will become mainstream in 2025. In her policy plans for her second term aspPresident of the European Commission, Ursula von der Leyen pledged not to work to lower EU emissions, but to “continue to bring down energy prices by moving further away from fossil fuels.” The new UK government promised in its manifesto that it will withhold licenses for new coal and for oil exploration—and states outright that it will “ban fracking for good.” And in France, Macron has explicitly vowed to end fossil-fuel use entirely.

Climate politics in the US will also evolve in the wake of Donald Trump’s reelection for president. Republicans will continue to embrace a “drill, baby, drill” climate agenda, denying the danger or sometimes even the reality of climate change while advocating for expanding domestic crude and methane-gas production. They may try to greenwash their policies by claiming they embrace an “all of the above” energy strategy, but this messaging will have limited effects. Due to political polarization the association of Trump with coal, oil, and gas will raise Democratic support for phasing out fossil fuels. Before the 2024 election, 59 percent of Democrats said climate change should be the Federal government’s top priority, but only 48 percent said they supported a phaseout. In 2025 majorities of Democrats will begin to support fossil-fuel phaseout, especially if climate advocates revive science-based climate messaging, continue to emphasize that clean-energy deployment is job creation, and frame choosing to phase out fossil fuels as a form of freedom that upholds our right to a livable future.

Given that Democrats won many down-ballot races, and cities and states are still pledging to pass climate policies, this shift in the Democratic majority will keep the US on the map in international climate negotiations, whether or not Trump withdraws the US from the Paris Agreement, creating new local alliances with the UK, the EU, and global south nations calling for international fossil-fuel phaseout targets. This bloc can counter the power of petrostates in international climate negotiations. At the very least, the mainstreaming of the language of fossil-fuel phaseout will help undermine the greenwashing strategy of current oil and gas company PR, which falsely advertises industry as pursuing technologies at scale to help “reduce emissions” even as they continue their upstream investments.

Of course the petrostates, along with India and China, will push back against the rhetoric of fossil fuel phaseout. But India can be helped to turn away from its domestic coal stores by clean-energy financing at close to cost along with the international aid and technology transfers already pledged at previous climate conferences. And although its rhetoric may not align with that of the West, China should not be imagined as opposed to climate action. China has enacted the most comprehensive climate policy on the planet, in service of its goal to peak emissions by 2030 and achieve net zero emissions by 2060. If their climate messaging remains focused on “emissions,” in light of their plan to keep using fossil fuels past 2030, they are preparing for next decade’s pivot away from fossil fuels by building out clean energy at a truly extraordinary rate.

In 2025 climate discourse will recenter on the message that halting global heating requires the phaseout of coal, oil, and gas. This new consensus will shift the politics of climate change and help motivate an urgent sprint to a clean-energy, ecologically integrated economy—the only economy that ensures a livable future.

[nenelonomh]

human resource management pt.1

currently revising for my business exam tomorrow, so here's an explanation of each human resource management topic. (i have found that translating my chaotic notes into tumblr post format is super helpful for revision).

but nene, what is hrm? human resource management (hrm) refers to the process of governing a business's workforce.

there are many hrm topics explored in ibdp, and i'm going to explain some of these topics with their definitions, and features.

demographic change refers to the shifts in the composition of a population over time. this could be age-structure shifts or shifts in a population's educational attainment. advantages of age-structure shifts include having a more experienced workforce, and the ability to provide work mentorship opportunities. negatives of this include workforce aging, skill gaps, and increased healthcare costs.

a skill gap means that employee performance and productivity may be hindered, which can impact the overall organizational efficiency. companies with skill gaps may struggle to keep up with competitors who have a more skilled workforce. this means demographic change can negatively impact business growth.

additionally, a business may have to deal with increased healthcare costs. a company may choose to invest in employee wellness programs (preventative care) or create negotiations with healthcare providers to combat this, and save wasted finance.

another hrm topic is employee welfare, which refers to the well-being, health, safety, and overall quality of life of employees within an organization. this is relevant since employee productivity is directly linked to employee welfare. features of this topic include good working conditions, benefits, health and safety measures, work-life balance initiatives, and paid leave.

advantages of an employee welfare focus include greater employee satisfaction, greater productivity, increased employee retention, and a better reputation for the business. investing in employee welfare seems like a no-brainer, however, these schemes require capital - which can be a burden for small businesses.

furthermore, when employees leave the company- the current scheme is redundant. the business is also faced with the challenge of creating a better scheme than its competitors.

one solution may be to invest in flexi-time (another hrm topic). flexi-time, short for flexible time, is a work arrangement where employees choose the starting and finishing times of their workday. the features of this topic include compressed hour times, working from home, and job-sharing.

flexi-time promotes better work-life balance in employees and allows for reduced commuting costs. the employee keeps their full pay and benefits and it is easy to manage transitions into retirement. can you see how this links to employee welfare?

disadvantages of flexi-time do exist, though. flexi-time may result in lower productivity, if the employee's work-life boundaries are blurred or they feel isolated and disconnected. this means that additional supervision of employees may be required, to prevent distractions. this strategy can also cause understaffing.

///

the hrm topics explored in this post include demographic change, employee welfare, and flexi-time. i hope you were able to learn something from this post!

i'm going to continue writing the rest of the topics, and i will link the following posts here:

part 2 | part 3 | part 4

thank you for reading! i look foward to any feedback or questions from other ibdp business students.

❤️ nene

image source: pinterest

[simslegacy5083]

Today's (10/17/2024) Episode: Tough Decisions

When Luigi got home from the stadium, he had the unenviable job of telling his wife what Doc had said.

Noemi eyed the wrist brace he’d slipped on as soon as he arrived suspiciously while he began with the good news of his victory. Her expression darkened as he moved on to recounting the trainer’s suspicions and his flimsy justifications for ignoring everyone’s warnings and advice to rest his hand.

"Lu… your job is not as important as your health!" she eventually berated him. “I can’t believe I have to babysit you, but you’ll make the same dumb choices about your next tournament and Rainy Day’s inevitable request for DLC and updates to Watcher Tales if I don’t keep an eye on you…!" 

Given the way he was feeling just then, Luigi couldn't even argue with her. He'd achieved those all-important professional goals, but at what cost?

The price for his hubris was revealed at Luigi’s appointment with the hand specialist. With a few tests Dr. Cody confirmed Doc Leonard’s suspicion that Luigi had sustained some permanent nerve damage and echoed the trainer's assessment that surgery was the best option for his long-term recovery. 

"I’m definitely not interested in surgery“ Luigi told her right away, prompting Noemi to question "Lu, what could it hurt to learn more about…”

He fired back unusually gruffly: "No! absolutely not" before asking the Dr. “What else can you offer me, because surgery isn't happening."

They finally settled on trying steroid injections.

“The effectiveness varies patient to patient and the benefits are only temporary” the provider told them “but they should offer you some relief. I also strongly recommend you change your lifestyle and minimize activities that aggravate your condition. That includes intensive computer work." 

Luigi was glad to see some improvement after his first injection. He also finally accepted the fact that something had to give in his professional life. In the end that decision was a simple one, even if it broke his heart a little to do what he felt he had to do.

A few days after his championship win Luigi was seated in the press room with Rainy Day’s E-Sports coaching staff.

"From the time I was a teenager I knew I wanted to play SimScuffle professionally" he began “As many of you know I got my start on Foxbury’s collegiate team, and when that amazing journey ended, I was lucky enough to be recruited by Rainy Day.” He paused and took a deep breath.

“Today I’m here to announce that I am officially retiring from competitive play.”

The teams head coach took over then “Luigi’s mentorship abilities and strategic insights have elevated our team’s profile and performance immensely. We are excited to transition him into a permanent role as our new director of strategy and recruitment. We’re looking forward to what the future holds.”

As he focused his attention on the press and prepared to answer questions Luigi reflected that, while this was not the way he’d wanted his E-Sports career to end, he was eager to tackle this new challenge in the days and weeks to come.

View The Full Story of My Not So Berry Challenge Here

[mbta-unofficial]

A tough thing about capitalism is that it seems to be an emergent property of certain kinds of human behavior and technology. The same way that the T doing an oil hedge is “just good business sense,” every company doing an oil hedge is a recipe for vertical integration, what makes Zara, Ikea, and Rockefeller’s Standard Oil untouchable. By implementing strategies that control the supply of raw materials, a company can sieze the wheels of their own supply and demand curve, allowing them to reduce the supply for their competitors to zero. Every business wants this, because it enables them to set prices arbitrarily without fear of competition underselling them.

Now, that doesn’t necessarily mean that prices will be set as high as possible, or even as high as people could pay. Henry Ford’s vertical integration of the car manufacturing supply chain was essential to his business strategy. However, his goal was not to make infinite money in the short term, but rather to make the car so cheap that nobody would ever travel any other way. He was sued by his own investors for this, because a group of them argued that he was selling cars below market and therefore costing them as shareholders money, in order to pursue the strategy he pursued that tried to kill all public transit in America. Now, had Ford succeeded, his ability to sell cars to everyone forever would have resulted in greater long term profits, but it was a risk the investors didn’t want to take because they wanted their money then and now. It’s hard to say whether capitalism won or lost in this lawsuit: it established as law that companies cannot pursue any other goal besides investor interest, aka “fiduciary duty to shareholders.” However, in theory this limits the actions of companies only to those outcomes that are directly financial: a company could not, say, take over a sovereign nation just because they wanted to, they would have to prove to their shareholders that it was in the financial interest of the company (see united fruit in hawaii, mesoamerica). If it had gone the other way, though, we might live in a world where retirement savings functionally didn’t exist, because virtually all retirement savings are invested and fiduciary duty protects retirees from using that capital in corporate wars over market share.

[thepenultimateword]

Love Thy Enemy Part 3

Part 1, Part 2

CW: forced relationship, captivity, very light violence

As it turned out, the city had not changed much. Yes, the peacekeepers wore a different colored uniform. Yes, there was still rubble and buildings in different stages of disrepair. And yes, as the empress's carriage passed, a portion of the people froze or stared or a combination of both. But they were still going about their lives. Selling, buying, socializing, sweeping out their homes. None of the burning and hunger Vorrin had pictured these last few months.

Empress Callista watched him out of the corner of her eye. She pretended to be occupied with the stack of letters and supplications she'd brought along with her, but her attention was not so easily masked.

Maybe she expected him to run.

"Here." She licked the tip of her finger and separated one of the pages from the rest of the stack, holding it out to him. "What do you make of this?"

Vorrin pinched the page tentatively before scanning it over . It looked like…a military report? One of the generals wanted permission to increase the troop size within Tarov, the next city over, as well as its surrounding villages. 

He peered over the top of the page. “What are you expecting of me?” 

“Your opinion.” The empress lounged back in her seat. “This is your homeland. Is it a good idea? What is the temperament of the city’s inhabitants? I’m still keeping troops in the larger cities at the borderlands, so sending more to Tarov would be stretching it a little thin, though nothing I can’t handle with little strategy. Though, a confirmation of necessity would be preferable before I leap into any orders.”

Vorrin furrowed his brow. “Why would I help you? You’re the enemy.”

“The war is over, darling, whether you like or not, this is the outcome. So you can either make the transition smoother, or let your people drown in uncertainty.”

Vorrin bit savagely at his lower lip. This felt wrong. He shouldn’t be doing anything for this tyrant or her people. But on the other hand, what if he really did more harm by refusing than submitting? Empress Callista had a point. The kingdom would never be what it once was. 

As far as Vorrin knew, King Duras had been declared missing in action. No body among the heaps of dead, but no appearences after all this time either. Likely, he had been missed. War was rarely so kind as to leave its victims pristine and recognizable. Even a king. 

If he was alive, he wasn’t taking the kingdom back any time soon. If he did give his opinion, there would be no loyalty lost there. And Vorrin supposed he’d already practically turned over the kingdom, what was a little more dagger twisting?

“I would pull out.”

Empress Callista scoffed.

“No, I’m serious.” Vorrin set himself a little firmer in his seat, meeting the empress’s predatory, amber gaze directly. “The people were already on edge when you invaded. The more troops you send to watch them, the more you segregate yourself from your goal, that is their respect and acceptance for you as their rightful ruler. Things may be smoother here in the capital with you present, but I can guarantee tension is growing. Especially in Tarov. The majority of that population comes from retired soldiers and palace officials. Patriots. You push, they push right back. Pull out. Give them some space. Then reapproach without the soldiers.”

Empress Callista crooked her brow slyly. “I wasn’t expecting that much honesty.”

Vorrin jolted a little, surprised at the empress’s surprise. “You…asked for my opinion.”

“Yes, but most people involve a few more lies and manipulation tactics. You don’t have an ounce of venom in your body, do you, lovely?”

A rush of warmth swept through Vorrin’s cheeks, and he gritted his teeth. “I’m plenty venomous. I just didn’t see a point in lying.”

“If you say so, darling.” She shook the page back out of his clenching fists and placed it wrinkled on the “read” stack. “Alright, I’ll pen up a fall back order when we return this afternoon.”

Vorrin blinked. “Wait. You’re using my idea?”

“Mm. I’ll at least see how it plays out.”

“But…but I’m just…a trophy. A consort. Won’t your advisors protest?”

“I don’t know the customs of Totholan, but in Avarose, royal consort is a seat of honor. In fact, consorts are much more utilized for their personal talents then they are for…more expected duties. Many consorts never even see the inside of the imperial bedroom, only consorts in name as to be kept close and protected. You, my darling, can count yourself special.”

She winked, and Vorrin hated himself for blushing harder.

He opened his mouth to belt some scathing defense he hadn’t quite worked out yet when the carriage jolted to a halt.

"Ah, we're here."

The empress bustled her robes together, ready as the footman swung the carriage door open to descend to the cobblestone road.

Vorrin ignored the footman’s offered hand and leapt the steps to the ground, sending an ungracious puff of dust up around his ankles.

He blinked around himself at the shopping district. “Here?”

“We have several droll obligations today, so why not begin with something lighter? There are several traditional outfits I expect you to keep, but I do not pretend not to notice your displeasure for your wardrobe. I’ll be keeping you to a certain standard, but perhaps we can find you some items that are more to your liking.”

Vorrin recoiled from the offer, unable to help the displeasure he knew twisted his features. It felt a little too much like acceptance of his position. And he was far from that. “I respectfully refuse.”

“No need to be shy, choose anything you like.”

“I’m not your dress-up doll.”

“But you are mine. Now, let’s not make a scene, hm?”

She started toward one of the shops, entourage close on her heels.Vorrin picked up speed to a brusque soldier’s stride, passing just a couple centimeters in front of her. 

“So much for a position of honor,” he growled lowly, “Don’t give me commands and act like I have a choice.”

The empress came to a halt and let her servants grab the door for her. “But aren’t pretenses so much nicer?”

“No. At least with orders I can–” 

“Excuse yourself for not having a choice?” Empress Callista finished, resting her hand on the small of his back to usher him forward. “You know, if you didn’t spend so much time pouting, maybe you could have done something for your people by now.

Vorrin bristled. “Pouting? You’ve stolen my entire country!”

His voice bounced off the polished walls and alcoved displays, and Empress Callista’s grip grew tighter around his waist. Her other hand pressed a soft, but unusually strong finger to his lips. For the first time Vorrin realized she stood only an inch or so shorter than he did. Were all Avarosian women this tall or was it just her?

“I apologize,” she murmured. “That was insensitive of me. Of course, you’re grieving. If you would like me to pick out all of your clothes, I will. I certainly have some ideas.”

Vorrin fought the urge to bite, instead jerking a step to the right to slip out of her grip. “I’ll pick some blasted clothing.”

With that he stormed around the perimeter room, eyeing the wooden models bitterly and feeling a little childish. He felt Empress Callista following a few feet behind him; even if weren’t for the tramping feet of her guards, the aura coming off her was practically tangible, a pressing shadow against his spine. And it was just as obvious when the pressure suddenly lifted.

He preteneded to stop and admire a long, red suitcoat with bronze buttons while stealing a glance over his shoulder. Empress Callista stood in front of who Vorrin could only assume was the shop owner, a withered old man with half his weight on a cane and hair pulled into a long silky tail that draped over one shoulder. He smiled and  bowed incessantly to the empress while shooting suspicious side glances in Vorrin’s direction. 

How was he the one getting ill looks? He wasn’t the one who overthrew any kingdoms recently! Was it really that obvious that he was reaching beyond his station? 

Before he could think on it any further, both came walking in his direction, Empress Callista with a strong stride, the shop owner at a tottering crawl.

“Nigellus is going to have someone take your measurements,” Empress Callista said, reaching him first. “After that, you can choose anything you like and they’ll tailor it to your size.” 

“Why can’t one of your tailors at the palace make me new clothes?”

“Spoken like the soldier you are. Do you eat the same food for every meal? Do you find one pretty tune and listen to nothing else? Clothing is art. It’s full of variety and differing styles, and if you want it done right you go to the masters. And you may have noticed, this one doesn’t travel well.” Her gaze flicked up to the coat, surveying it up and down. “You like this?” 

“It’s a little flashy,” he said.

“Mm. Does it come in black?”

That part was not addressed to him but to “Nigellus”, as he came up behind them. He rapped his jade-handled cane against the floor as he came to a halt. 

He grimaced a little, but assented, voice raspy and soft, like the vocal cords could barely support being used. “It could be done.”

Empress Callista brushed something imaginary off the breast of Vorrin’s  tunic. “You look good in black.”

 Vorrin stiffened. Black was the Totholan general’s uniform color. Was she making fun of him? 

“But of course it’s up to you,” she said. 

“I’d like to keep looking,” he replied non-committedly. 

“Once you’re measured, I’ll show you to the most appropriate sections,” Nigellus said. Vorrin had given enough commands in his life to know when he was being given one. And even though  it came from a fragile old tailor, he found himself following the man’s waving hand into the back. Much to his surprise, and relief, Empress Callista did not follow. 

They entered a rounded alcove of a room covered from wall to wall in mirrors, quadrupling Vorrin’s uncomfortable, irreecognizable self back at him. Maybe he understood why Nigellus had not been fooled by his status. He dressed like royalty, his hair was spun with gold and jewels, but the way he stood was like a scrapper getting ready to brawl. Not to mention that habitual grit to his teeth when he was in an uncomfortable position, a grimace on the best day and a scowl on the worst. That sort of thing definitely would have been trained out of royal by birth.

His 5 reflections rapidly shook their heads. What was he thinking? He wasn’t a royal by anything. 

“This is one of our fitting rooms,” Nigellus said. He wacked a rounded stand at the room’s center, sort of like what the models in the shop stood on. “Step up here.”

Vorrin obeyed. Again.

Nigellus claimed the cushioned chair at Vorrin’s right side and raised his wispy voice loud enough that it cracked. “Angelique! Bareck!” 

It barely seemed loud enough to pass the fitting room walls, but almost immediately, a pair of employees, a thin man in a rolled shirt and clinging trousers and a young woman with her golden hair braided into a crown, came through the door, armed with fabric and measuring tape.

“Please, take off your outer clothing,” Nigellus said, beady eyes back on him. “I require as exact a measurement as possible.”

Vorrin hesitated with his fingers pressed to his buttons. He’d undressed in front of others plenty of times, especially now that he never dressed on his own, but… He sideglanced at Angelique.

“Angelique has no interest in your figure,” Nigellus said bluntly, sending Vorrin’s face blushing six-fold. “Now stop acting like timid schoolboy and undress. I have other appointments today.”

Vorrin had rarely felt small next to anyone, but this man held the same presence of his childhood commanding officers, but with a quarter of the physical strength. Perhaps being bossed around was the new theme of his life. He began unbuttoning his coat and wondered as he slid it to the ground, how he was going to get some of these pieces back on.

No sooner was he bare, scar-riddled skin reflected at all angles, and the two employees surged forward. For  the next half hour, he stood at stock still attention while they measured practically every inch of him and Nigellus watched discomfortingly from the side. Every once in a while he barked–or wheezed–out commands to hold different fabrics up to his body. Something about seeing how the different materials draped or matched.

“You’ve met the empress before?” Vorrin found himself saying without warning as the room grew quiet.

“A couple of times now,” the tailor replied, wrinkled hands scribbling down something in a tiny notepad.. “I made her “coronation” clothes. And now I’ll make yours.”

Vorrin jerked around, causing Bareck to stumbled back a surprised step. “My what?”

“Oh dear,” Nigellus said dryly, not sounding at all concerned or sympathetic. “Did you not know about that?”

“Don’t be clever, old man. What are you talking about?”

“Your introduction as Empress Callista’s official royal consort. It’s no different than your current station, you’re simply being presented publicly.”

“And everyone knows of this.”

“I may be more informed for obvious reasons.”

“Why are you serving a tyrant?” Vorrin cried, more out of his own building panic than any real anger toward the old man. He knew it was unfair. It wasn’t like Nigellus could turn the empress away, or pack up his life and move. Besides, Vorrin was worse. He hadn’t been exactly , compliant with his new position, but he still went along with it all. 

Nigellus barely seemed bothered by his outburst, tapping his fingers lightly against his cane. “Take it from someone who has been around a while. King Duras was a parasite to his people. The empress did us a favor by taking him off the throne.”

“Treason.”

“Not anymore.” He hauled himself to his feet. “You’re finished. Angelique and Bareck will help you dress. I will attend to the Empress.”

Vorrin watched the man going with a bitterness that surprised even himself. What did it matter what the tailor thought? He knew what he’d seen in battle. What he’d felt. He didn’t need confirmation to know what Empress Callista had done was unforgivable. 

As he exited the fitting room several minutes later, he was immediately accosted by the empress shoving a bundle of outfits against his chest.

“Nigellus said you’d like these ones,” she said, almost…giddy? He wasn’t sure he’d ever seen her anything other than bold and sly.

The outfits were all finely made but the styles were definitely simpler than the majority of the outfits with their dramatic cuts and frills. 

He looked at Nigellus in surprise, but the man simply pointed toward the other end of the store.

“There are more on that side if you’d like to browse.”

“Er…thank you.” 

He let Callista transfer the clothing into his arms and followed her purposeful stride to the indicated clothing. High collars, practical trousers. Military style. But…fancy. Not practical for actual military use, but one might be fooled.

“Any of these are fine.”

“Be specific darling. I’ll buy you three.”

He motioned vaguely to two styles on models, one high collared and caped, and the other with a long, v-cut coat, and held up a third charcoal outfit from the bundle Empress Callista had forced on him.

With that, the money was exchanged, a promise of delivery by the end of the week offered, and they were on their way. 

“Now where?” he asked as they exited, eyeing the guards as they spread out to give the illusion of privacy.

“We take a walk. As you saw, I receive  constant reports on the kingdom’s condition, but I like to see the larger issues myself before passing judgment.” 

“And this larger issue is…?

“Some political unrest in the dregs. Talks of uprising. Persecution of those trying to assimilate. As well as persecution of those who speak up against me. A whole pot waiting to boil over.”

“And you’re just going to walk into that?”

“Why wouldn’t I?”

“Because you’re the empress! You’re valuable.” Maybe not to him, but to the well-being of the country. Especially with no one else lined up to rule. The last thing they needed was another ruler dying and sending them into a bloodbath for the throne. 

“That’s sweet, but if I was scared of scraps, I wouldn’t have declared war. Now stay close.”

She linked arms with him once again, this time holding more to him than forcing him to hold her.

It was a little disconcerting how quickly the polished steps and wide glass windows turned to greasy streets and smoky stench. Vorrin had to admit that the dregs had never seemed so grim when he’d had nothing higher to compare it to. The people stood outside their houses, hanging clothes between rooftops or smoking with neighbors, dirty-faced children kicked loose stone along the street. But as soon as they caught sight of the pair of them they froze, expressions somewhere between shocked and bitter. He felt like a bright colored pheasant strutting into a hunting camp.

“Empress…”

“Keep moving.” She gripped him tighter, maybe that wasn’t her softening as much as it was keeping him locked in place. “We’re meeting someone a couple blocks from here. If you don’t act nervous they won’t bother you.”

“Obviously, you don’t know the dregs. They love—”

“Vorrin, you cur!”

Vorrin’s body stiffened at the husky voice, familiar and yet unknown.

He turned around just as the stout, horse-shouldered woman bowled into him, slamming his chest over and over with strong, battered hands. It all happened so fast, he had no time to steel himself; the next thing he knew he was toppling to the street, palms slipping on the oily grime. 

A whirl of thick, blonde curls loomed overhead. 

“Where is my son, Vorrin? Where is my son?”

Vorrin’s brain rapidly picked her apart, shortening the hair, slimming the face, turning those dishrag gray eyes to stormy blue. Emil. Emil’s…mother.

“He’s safe. He’s only in the dungeons,” he spilled rapidly before he could realize how ridiculous that sounded.

Her eyes flashed behind her curtain of hair. “The dungeon? My son is imprisoned so that you can whore around with the enemy?”

“I was trying to save them.” They were the only words he could find, but they sounded weak even to him. 

"You didn’t do anything for them! You betrayed them! And your country!”

The guards leached out from hiding in the corners of Vorrin’s eyes.

“Wait…no…” he protested, but he couldn’t seem to raise his voice loud enough.

“I hope it's worth it!” Emil’s mother snarled, and in her he saw his soldier’s hate. “I hope you have enough gold and silk to cushion your sleep at night. Enough tinctures and hot bath water to wash all the blood from your hands.”

She spat a wad of saliva in his face. .

All at once, a pair of guards seized her, dragging her with arms twisted behind her back.

“Wait!” Vorrin cried, “Stop! Let her go!”

Empress Callista stepped forward, all danger and poison in one breath. “You’re under arrest for assaulting a royal consort.”

The woman snarled, and Callista bared her teeth to match it. “You should be happy. You're joining your son. Though unlike him, I can’t promise the absence of punishment.”

“No!” Vorrin scrambled upright, clothes smeared and torn. He snatched the empress’s arm, yanking her a couple feet away. 

Her guards made a move to grab him as well when she held up a hand to stop them.

“Don’t do that,” she said, snapping his grip.

“Don’t arrest her.”

“What?”

“She’s just upset! She has a right to be upset!”

“Yes, but she does not have the right to lay hands on a consort like a common brawler. To touch anything or anyone in association with royalty is a crime. A serious one.”

“This is about pride?” he said, gritting his teeth. 

She furrowed her brow, but her voice managed to remain cool. “This isn’t about me; it’s about you. Your reputation. Your honor as a consort.”

“I don't want any of this!” 

“Like it or not, it’s what you have.”

“You let her go!”

Empress Callista closed her eyes against the saliva spray. When she opened them again they were ablaze. “Guards, take my consort back to the palace. Now.”

Part 4

Master Taglist:

@moss-tombstone @crazytwentythrees s @just-1-lonely-person @the-vagabond-nun @willow-trees-are-beautiful @cocoasprite @insanedreamer7905 @valiantlytransparentwhispers @whovian378 @watercolorfreckles @thebluepolarbear @yulanlavender @kitsunesakii @deflated-bouncingball @lem-hhn @office-plant-in-a-trenchcoat @ghostfacepepper @pigeonwhumps @demonictumble @inkbirdie @vuvulia @bouncyartist @lunatic-moss-studio @breilobrealdi i @freefallingup13 @i-am-a-story-goblin @ryunniez @rainy-knights-of-villany @distractedlydistracted @saspas-corner r @echoednonny @perilous-dreamer @blood-enthusiast @randomfixation @alexkolax @pksnowie @blessupblessup @wolfeyedwitch @thedeepvoidinmyheart @cornflower-cowboy @bestblob @a-chaotic-gremlin @espresso-depresso-system @prompt-fills-and-writing-spills @paleassprince @takingawildbreath @yindo @psychiclibrariesquotestoad @harpycartoons @pickleking8 @urmyhopeeee

[pissingonmonarchy]

Creating an exit plan to become an expatriate (expat) from the United States involves a series of steps, from researching destinations to managing financial and legal obligations. Here’s a general outline to help guide you through the process:

1. Research Destination Countries

• Identify your criteria: Think about climate, cost of living, healthcare, quality of life, tax implications, and visa requirements. Consider how you want to spend your time abroad, like working, retiring, or starting a business.

• Narrow down options: Research countries that align with your criteria. For many Americans, countries in Europe, Central and South America, and parts of Asia are popular because of their expat-friendly environments.

2. Visit Potential Countries

• Plan exploratory trips: Spend a few weeks in each potential destination to experience the local lifestyle, cost of living, and culture firsthand. This can help confirm that a location fits your needs.

• Connect with local expats: Attend events or join expat communities to get insights into life in each country.

3. Understand Visa and Residency Requirements

• Research visa options: Each country has its own set of visa options, like work visas, retirement visas, digital nomad visas, and investment visas. Determine which one aligns with your goals.

• Plan for long-term residency: Many countries offer paths to permanent residency or citizenship. Find out the requirements and start the application process if your target country allows.

4. Prepare Financially

• Create a budget: Factor in moving costs, cost of living, healthcare, taxes, and emergency savings. Make sure your finances will support your lifestyle abroad.

• Understand tax obligations: U.S. citizens must file taxes regardless of where they live. Research your obligations and consider consulting an accountant with experience in expat tax law.

• Set up local bank accounts: Find out if you’ll need a local bank account and research how to transfer money internationally efficiently.

5. Secure Healthcare Coverage

• Look into healthcare options: Some countries offer affordable healthcare, while others may require private insurance. Explore local healthcare systems and check if your target country offers expat health insurance.

• Assess your U.S. healthcare: If you need continued U.S.-based healthcare coverage (like Medicare, which generally doesn’t cover you abroad), consider how you’ll handle medical needs.

6. Tie Up Loose Ends in the U.S.

• Handle legal and financial matters: Consider creating a will, assigning a power of attorney, and updating your legal documents.

• Manage property and assets: Decide whether you’ll rent out, sell, or keep your home and other properties.

• Notify institutions: Inform banks, creditors, insurance companies, and other relevant institutions about your move to avoid complications.

7. Learn the Language and Culture

• Study the local language: Even a basic understanding of the language will help with daily interactions, especially in less expat-heavy areas.

• Understand cultural norms: Adjusting to new customs and social norms will make integration smoother and more enjoyable.

8. Build a Support Network

• Join online communities: Many social media groups exist for expats in various countries. Being part of these groups can ease the transition.

• Stay connected to home: Plan regular calls with family and friends to help with homesickness and maintain relationships.

9. Make the Move

• Arrange for the physical move: Plan your relocation, including moving your belongings, storing items you’re leaving behind, and booking flights.

• Settle into your new home: Take time to get acquainted with your surroundings, set up essential services, and register with local authorities if required.

10. Maintain Flexibility

• Give yourself an adjustment period: The initial months can be a mix of excitement and culture shock. Allow time for adaptation.

• Have an exit strategy: Keep a backup plan in case you decide to return to the U.S. or move to another country in the future.

By planning each step carefully, you’ll create a smooth transition from the U.S. to your new country. Let me know if you’d like specific country recommendations or further details on any step!

[mattdixongreenvillesc]

Financial Literacy for Teens: Teaching the Next Generation About Money

Financial Literacy for Teens: Teaching the Next Generation About Money https://mattdixongreenvillesc.co/financial-literacy-for-teens-teaching-the-next-generation-about-money/ As teenagers transition into adulthood, they face a myriad of financial decisions that will shape their future. Unfortunately, a lot of young people lack the knowledge and abilities needed to navigate the tricky world of personal finance successfully. Educating teens about money management, budgeting, saving, and investing is crucial for setting them up for financial success. In this article, we’ll explore the importance of financial literacy for teens and strategies for teaching them about money. Why Financial Literacy Matters for Teens A sound financial foundation can be established for the future, prudent financial decisions can be made, and debt-free living is enhanced in teens who possess financial literacy. Adolescents who receive early financial education on budgeting, borrowing, investing, and saving make sound financial decisions that will serve them well in the long run. Additionally, financial literacy gives teenagers the confidence and competence to deal with real-world issues like credit card debt, student loans, and retirement planning. Strategies for Teaching Financial Literacy to Teens Start Early: Introduce financial concepts to teens at an early age to lay the groundwork for financial literacy. Use everyday experiences, such as shopping trips, allowance management, and household budgeting, as teachable moments to reinforce key concepts like budgeting, saving, and spending wisely. Interactive Learning: Engage teens in interactive learning activities that make financial concepts relatable and fun. Use games, simulations, and real-life scenarios to teach budgeting, investing, and decision-making skills in a hands-on, practical way. Open Dialogue: Create an open and supportive environment for discussing money matters with teens. Please encourage them to communicate their financial concerns and goals, to ask questions, and to seek advice when necessary. Foster open communication about topics such as budgeting, saving for college, managing debt, and planning for the future. Lead by Example: Set a good example for teenagers by acting and thinking responsibly about money. Involve them in family financial discussions, budgeting decisions, and household financial responsibilities to help them understand the value of money and the importance of financial planning. Utilize Resources: Take advantage of online resources, books, workshops, and educational programs designed to teach financial literacy to teens. Explore websites, apps, and videos that cover topics such as budgeting, saving, investing, and managing credit responsibly. Real-World Experience: Provide teens with opportunities to gain real-world experience managing money and making financial decisions. Please encourage them to get part-time jobs, start small businesses, or participate in volunteer opportunities that involve financial responsibilities and decision-making.   In order to enable teenagers to make wise financial decisions, accomplish their objectives, and create a stable financial future, it is imperative that they receive financial literacy education. By starting early, engaging in interactive learning, fostering open dialogue, leading by example, utilizing resources, and providing real-world experience, parents, educators, and mentors can help teens develop the knowledge, skills, and confidence they need to navigate the complexities of personal finance with confidence and competence. Investing in financial literacy for teens today ensures a brighter, more financially secure tomorrow for the next generation. The post Financial Literacy for Teens: Teaching the Next Generation About Money first appeared on Matt Dixon | Professional Overview, Philanthropy. via Matt Dixon | Professional Overview, Philanthropy https://mattdixongreenvillesc.co

[carriecohencoaching]

The Ultimate Guide to Couples Counseling: Strengthening Your Relationship

Introduction

Relationships are the cornerstone of our lives, offering companionship, support, and love. However, maintaining a healthy relationship requires effort, communication, and sometimes external support. Couples counseling is a powerful tool for addressing conflicts, improving communication, and fostering a deeper connection between partners. This comprehensive guide explores the ins and outs of couples counseling, its benefits, techniques, and how to find the right therapist for your needs.

What is Couples Counseling?

Couples counseling, also known as couples therapy or marriage counseling, is a type of psychotherapy designed to help partners improve their relationship. It involves sessions with a trained therapist who works with both partners to address issues, improve communication, and develop healthy relationship habits. Couples counseling can be beneficial at any stage of a relationship, whether you are dating, engaged, married, or in a long-term partnership.

Benefits of Couples Counseling

1. Improved Communication

One of the primary goals of couples counseling is to enhance communication between partners. Effective communication is the foundation of a healthy relationship, allowing partners to express their needs, desires, and concerns openly. Counseling helps partners develop better listening skills, empathy, and ways to articulate their thoughts without causing conflict.

2. Conflict Resolution

All relationships experience conflict, but how couples handle these disagreements can make or break the relationship. Couples counseling provides strategies and tools for resolving conflicts constructively. Therapists teach partners to address issues calmly and respectfully, focusing on finding solutions rather than assigning blame.

3. Strengthened Emotional Connection

Emotional intimacy is crucial for a fulfilling relationship. Couples counseling helps partners reconnect on an emotional level, fostering a deeper bond. Therapists guide couples in understanding each other's emotional needs and developing ways to meet those needs consistently.

4. Enhanced Problem-Solving Skills

Through counseling, couples learn effective problem-solving techniques that can be applied to various aspects of their relationship. Whether it's managing finances, parenting, or household responsibilities, having strong problem-solving skills helps partners work together as a team.

5. Prevention of Future Issues

Couples counseling isn't just for relationships in crisis. It can also be a proactive measure to prevent potential issues from escalating. By addressing minor concerns early on and developing healthy communication habits, couples can avoid more significant problems down the road.

Common Issues Addressed in Couples Counseling

Couples counseling can address a wide range of issues, including but not limited to:

Communication problems: Misunderstandings, frequent arguments, or a lack of open dialogue.

Trust issues: Infidelity, dishonesty, or breaches of trust.

Intimacy concerns: Sexual dissatisfaction, emotional distance, or mismatched desires.

Financial conflicts: Disagreements over spending, saving, or financial responsibilities.

Parenting differences: Conflicting parenting styles or disagreements about child-rearing.

Life transitions: Adjusting to changes such as moving, career changes, or retirement.

Mental health issues: Dealing with individual mental health problems that impact the relationship.

Techniques and Approaches in Couples Counseling

1. Emotionally Focused Therapy (EFT)

EFT is a structured approach to couples therapy that focuses on building and strengthening emotional bonds. Developed by Dr. Sue Johnson, EFT helps partners understand their emotional responses and attachment needs. The therapy aims to create secure emotional connections and improve relationship satisfaction.

2. Cognitive-Behavioral Therapy (CBT)

CBT for couples focuses on identifying and changing negative thought patterns and behaviors that contribute to relationship problems. This approach helps partners develop healthier ways of thinking and interacting, leading to more positive relationship dynamics.

3. The Gottman Method

Developed by Drs. John and Julie Gottman, this method is based on extensive research into what makes relationships succeed or fail. The Gottman Method emphasizes building a strong friendship, managing conflict, and creating shared meaning. It includes specific techniques such as the "Four Horsemen" (criticism, contempt, defensiveness, and stonewalling) to identify and counteract destructive behaviors.

4. Imago Relationship Therapy

Imago Therapy, created by Dr. Harville Hendrix and Dr. Helen LaKelly Hunt, focuses on understanding and healing childhood wounds that affect adult relationships. The approach helps partners recognize how their past influences their current behaviors and learn to meet each other's needs more effectively.

5. Solution-Focused Brief Therapy (SFBT)

SFBT is a goal-oriented approach that emphasizes finding solutions to specific problems rather than focusing on the past. Couples work with the therapist to identify their goals and develop practical steps to achieve them, fostering a sense of hope and progress.

The Process of Couples Counseling

1. Finding the Right Therapist

Choosing the right therapist is crucial for the success of couples counseling. Look for a licensed therapist with experience in couples therapy and a style that aligns with your needs. You can ask for recommendations from friends, family, or your primary care doctor, or search online directories such as Psychology Today or the American Association for Marriage and Family Therapy (AAMFT).

2. Initial Assessment

The first few sessions typically involve an initial assessment where the therapist gathers information about the couple's relationship history, current issues, and goals for therapy. This assessment helps the therapist understand the dynamics of the relationship and tailor the therapy to the couple's needs.

3. Developing a Treatment Plan

Based on the initial assessment, the therapist will work with the couple to develop a treatment plan. This plan outlines the goals of therapy, the approaches and techniques that will be used, and the expected duration of therapy. Having a clear plan helps both the therapist and the couple stay focused and track progress.

4. Regular Sessions

Couples counseling usually involves regular sessions, typically once a week, although the frequency can vary based on the couple's needs and progress. During these sessions, the therapist facilitates discussions, teaches new skills, and helps the couple practice healthy communication and conflict resolution techniques.

5. Homework Assignments

To reinforce what is learned in therapy, therapists often assign homework for couples to complete between sessions. These assignments may include practicing specific communication techniques, engaging in activities that build intimacy, or journaling about their experiences and feelings.

6. Progress Evaluation

Throughout the therapy process, the therapist will periodically evaluate the couple's progress and make any necessary adjustments to the treatment plan. This ongoing evaluation ensures that the therapy remains effective and responsive to the couple's evolving needs.

Tips for Making the Most of Couples Counseling

1. Be Open and Honest

For therapy to be effective, both partners need to be open and honest about their feelings, concerns, and experiences. This honesty creates a foundation for trust and allows the therapist to provide the most accurate guidance.

2. Commit to the Process

Couples counseling requires commitment from both partners. This means attending sessions regularly, participating fully in the exercises and discussions, and being willing to make changes for the betterment of the relationship.

3. Practice Patience

Improving a relationship takes time, and progress may not always be immediate. Be patient with the process and with each other, understanding that setbacks are a normal part of growth.

4. Focus on Yourself Too

While couples counseling is about improving the relationship, it's also important to focus on personal growth. Each partner should take responsibility for their own actions and work on becoming the best version of themselves.

5. Apply What You Learn

The skills and techniques learned in therapy are only effective if applied in real life. Make a conscious effort to practice new communication strategies, conflict resolution methods, and intimacy-building activities outside of therapy sessions.

When to Consider Couples Counseling

While couples counseling can be beneficial at any stage of a relationship, there are certain signs that indicate it may be particularly necessary:

Frequent Arguments: If you find yourselves arguing more often than not, and the conflicts remain unresolved.

Communication Breakdown: When communication has broken down completely, and you feel like you can't talk to each other without fighting.

Infidelity: After an affair, couples counseling can help rebuild trust and work through the complex emotions involved.

Life Transitions: Major life changes such as having a baby, moving, or retirement can strain a relationship. Counseling can help navigate these transitions smoothly.

Emotional Distance: If you feel emotionally disconnected from your partner, counseling can help rekindle the bond.

Considering Separation: If you are contemplating separation or divorce, counseling can help you understand whether the relationship can be saved and how to proceed.

The Role of Individual Therapy

Sometimes, individual issues can significantly impact a relationship. In such cases, individual therapy can be a valuable complement to couples counseling. Individual therapy allows each partner to work on personal challenges, such as anxiety, depression, trauma, or self-esteem issues, that may be affecting the relationship. By addressing these individual concerns, couples can bring their best selves to the relationship, enhancing the overall effectiveness of couples counseling.

Online vs. In-Person Couples Counseling

With the rise of teletherapy, couples counseling is now more accessible than ever. Both online and in-person counseling have their pros and cons:

Online Counseling

Convenience: Sessions can be conducted from the comfort of your home, saving time and making it easier to fit into busy schedules.

Accessibility: Ideal for couples in remote areas or those with mobility issues.

Anonymity: Some couples feel more comfortable discussing sensitive issues in a virtual setting.

In-Person Counseling

Personal Connection: Face-to-face interaction can create a stronger therapeutic bond and allow for better non-verbal communication.

Environment: A neutral, professional setting can help partners focus and engage more fully in the therapy process.

Ultimately, the choice between online and in-person counseling depends on your personal preferences, lifestyle, and specific needs.

How to Choose the Right Couples Counselor

Choosing the right therapist is crucial for the success of couples counseling. Here are some tips to help you find the right fit:

1. Credentials and Experience

Look for a licensed therapist with specific training and experience in couples therapy. Check their credentials, education, and any certifications they may have.

2. Approach and Techniques

Different therapists use different approaches and techniques. Research the various methods (such as EFT, CBT, Gottman Method) and find a therapist whose approach aligns with your preferences and needs.

3. Compatibility

It's essential to feel comfortable with your therapist. Schedule an initial consultation to see if their personality, style, and approach are a good fit for both partners.

4. Specializations

If you have specific issues, such as infidelity or trauma, look for a therapist who specializes in those areas.

5. Recommendations and Reviews

Seek recommendations from friends, family, or healthcare providers. Additionally, read online reviews and testimonials to get an idea of other couples' experiences with the therapist.

The Cost of Couples Counseling

The cost of couples counseling can vary widely depending on factors such as location, therapist's experience, and session length. On average, couples counseling can range from $75 to $200 per session. Some therapists offer sliding scale fees based on income, and many insurance plans cover couples therapy, so it's worth checking with your provider.

[spacetimewithstuartgary]

NASA finalizes strategy for sustaining human presence in low Earth orbit

As part of the agency's efforts to enable broader use of space, NASA has released its final goals and objectives for low Earth orbit, defining the long-term approach toward advancing microgravity science, technology, and exploration for the benefit of all.

Developed with input from a wide range of stakeholders, NASA's Low Earth Orbit Microgravity Strategy will guide the agency toward the next generation of continuous human presence in orbit, enable greater economic growth, and maintain international partnerships.

"As we near the retirement of the International Space Station in 2030, these objectives are a pivotal next step in solidifying U.S. leadership in space," said NASA Deputy Administrator Pam Melroy. "Our consultation with industry, academia, and international partners has helped refine a visionary roadmap for our future in low Earth orbit, which will be enabled by a continuous human presence.

"Together, we are ensuring that the benefits of exploring space continue to grow—advancing science, innovation, and opportunities for all, while preparing for humanity's next giant leap of exploring the moon, Mars and beyond."

In early 2024, NASA initiated a planning process that included drafting an initial set of goals and objectives for the low Earth orbit microgravity environment and seeking feedback from its workforce, government partners, industry, academia, international space agencies, and the public. The agency reviewed more than 1,800 comments and hosted two workshops, resulting in essential adjustments to the goals and objectives to better align with its partners.

The final framework includes 13 goals and 44 objectives across seven key areas: commercial low Earth orbit infrastructure; operations; science; research and technology development for exploration; international cooperation; workforce development and science, technology, engineering, and mathematics (STEM) engagement; and public engagement.

The agency's efforts in low Earth orbit are integral to its broader ambitions for deep space exploration. The microgravity environment in low Earth orbit provides a cost-effective, easily accessible proving ground for technologies and research necessary for human missions to explore the solar system. With most of the journey to the moon and Mars occurring in microgravity, the objectives give the opportunity to continue vital human research, test future exploration systems, and retain the critical skills needed to operate in the microgravity environment.

"These finalized objectives represent a clear path forward as NASA transitions from the International Space Station to a new era of commercial space stations," said Robyn Gatens, director of the International Space Station and acting director of commercial spaceflight. "Low Earth orbit will remain a hub for scientific discovery, technological advancement, and international cooperation, while making strategic investments in a commercial space ecosystem that benefits not just NASA, but the entire space community."

The low Earth orbit microgravity goals and objectives, combined with significant stakeholder engagement, drive NASA's need to maintain an unbroken, continuous heartbeat of humans in the commercial low Earth orbit destinations era. NASA requires long-duration flights to mitigate risk for future trips to the red planet.

To ensure reliable access to and use of low Earth orbit, a diversity of providers operating on a regular cadence is essential. The objectives will also guide the development of requirements for future commercial space stations that will support NASA's missions, while reducing risk for human missions to Mars, preserving operational skills, advancing critical scientific research, and sustaining engagement with international and commercial partners.

"Collaboration and consultation remain a cornerstone of our low Earth orbit strategy," said John Keefe, director of cross-agency strategy integration at NASA. "The objectives we've established will help NASA craft a work plan that ensures NASA is positioned to meet current and future needs and prioritizes the development of critical capabilities for low Earth orbit."

IMAGE: An artist’s concept of the International Space Station orbiting Earth. In the distance is the moon, and a red star representing Mars. Credit: NASA

[jameshayesfp]

Transition to Retirement Strategies – James Hayes

In Australia, the TTR strategy is particularly useful for those aged 55 and above, as it allows them to access a portion of their superannuation without needing to retire completely. The idea is to help smooth the financial and psychological transition to retirement. Read More:https://empireadda.com/transition-to-retirement-strategies-james-hayes/

[female-buckets]

re: transitioning fans from college to wnba -- what do you think the wnba could do better. I agree whatever it is they're doing now isn't working

I'm from Tucson so am most familiar with University of Arizona wbb. Aari McDonald smashed school records and revitalized our entire wbb program before going to the Dream 3rd overall. the demographics of the fanbase (lesbians, retired people, retired lesbians) completely flipped (tons more students and young families on top of the regulars), but that didn't translate to them becoming Dream fans. Even as a Mercury fan, I don't keep track of what she's doing beyond games she plays against the Mercury. There was more UofA excitement for Sam Smith even though she mostly rode the bench for the Mercury while she was up there.

it seems like part of it is people wanting that "local" identity of supporting a familiar player in a familiar place where they can see them play in person, but that's just a guess based on what I've seen in my small corner

The local hero effect definitely does bring fans!

Besides lesbians and sporty parents, the other WNBA audience is basketball geeks. And that's the category that's easiest to expand. If the WNBA emphasized and promoted that side of things, it would bring in more people.

Think about how many people watch professional chess streamers. Millions. Millions! To watch and enjoy chess, you have to study it at least a little bit. And millions of people study chess just for the sake of watching professionals play. There's no dunking in chess. But millions of people find it exciting to watch because they studied chess a little so they feel involved.

Basketball is like chess. There are only a dozen different plays yet every single game is different. I think the WNBA should be marketed as the league for nerds. The WNBA should provide everything a nerd could ever want. Analysis, scouting, explanations of different strategies. They can even teach the lingo and slang pros use to talk about all this. Then they can have pros chat about it naturally without having to dumb it down. No other league does that and it would set the WNBA apart. They should make all that fun and accessible for someone new to basketball. But also there should be enough depth to keep a hoops nerd interested. People say if you want to learn the game of basketball, watch the WNBA, not the NBA. So let's lean into that and teach the game.

Chess streamers didn't get views through fashion and lifestyle branding. They got viewers by teaching basic chess strategy. People want to feel smart and involved.

[louisupdates]

BMG Layoffs Hit Dozens in Film/TV, Theatrical & Marketing Departments – Billboard

Kristin Robinson | Oct 28, 2023

BMG terminated about 40 employees on Thursday (Oct. 27), sources within the company tell Billboard. The layoffs “discontinued” its international marketing department for recordings as well as its Modern Recordings label and “discontinued” its “New York theatrical productions initiative” and “the active commissioning of new films,” according to an internal memo obtained by Billboard. It took place on the day of the New York office’s annual Halloween party, says a source.

The eliminations include company leaders like Fred Casimir (executive vp, global repertoire) and Jason Hradil (senior vp, global repertoire) and affected employees in its Berlin, New York, and Los Angeles offices. A source within the company fears there are more layoffs to come and believes the layoffs may be a result of the company hiring the consulting firm McKinsey & Company in recent months.

After employees were notified they were being laid off, the company hosted a call with the U.S. recorded music team — including those who were let go — according to a source within the company.

“Everyone at BMG says it feels like a venture capital firm now and not a record label,” laments an employee. “Things got dark real fast, and it bums me out watching a lot of amazing people lose their jobs right before the holidays.”

In a video call hosted by CEO Thomas Coesfeld, the leader explained that the restructuring was part of the implementation of its new strategy, BMG Next, according to an internal memo shared with Billboard. “The international marketing team was set up five years ago in response to the needs of the company at the time,” he said to senior managers. “Our talented team has done a great job, driving international campaigns for artists including Lenny Kravitz, Kylie Minogue, and Louis Tomlinson, but unfortunately on a business level, expectations from this novel structure were not met and it created duplication of functions with local teams. The clear business decision is to instead give artists a single contact point with their local repertoire teams.”

A BMG spokesperson declined to comment beyond providing the memo.

In the last year, BMG — which represents talent like Jelly Roll, Halsey and Lainey Wilson as well as certain rights to the catalogs of Tina Turner, Peter Frampton, Mötley Crüe, and more — has made a number of significant business changes. In January, its longstanding chief executive Hartwig Masuch announced he would retire and would be succeeded by then-CFO Coesfeld, effective Jan. 1, 2024. On April 18, BMG claimed it would be the first music company to fully integrate its catalog and frontline music operations. On May 17, Masuch announced he would accelerate Coesfeld’s transition to CEO to July 1 instead.

In September, BMG announced it was winding down its agreement with Warner Music Group’s ADA and would be taking over direct management of its 80-billion-stream digital distribution later this year. (Digital revenues contributed 70% of BMG’s overall revenues in 2022.) Last week, BMG also announced it would be partnering with UMG’s commercial services division for the distribution of its physical recorded music. Coesfeld described the deal as the first project of a burgeoning “alliance” between the two music companies.

UPDATE: This article was updated Oct. 28 at 7:28 p.m. e.t. to quote an internal memo’s characterization of layoffs across departments.

[kayvanh123]

Understanding Elderly Depression: Causes, Symptoms, and Treatment

As our population ages, understanding the mental health challenges faced by the elderly becomes increasingly important. Depression is a significant concern among older adults, affecting their overall well-being and quality of life. In this article, we will explore the causes, symptoms, and treatment options for elderly depression, providing valuable insights for caregivers, family members, and healthcare professionals.

What is Elderly Depression?

Elderly depression is a mental health disorder characterized by persistent sadness, loss of interest in activities, and a range of physical and emotional symptoms. It is not a normal part of aging but a medical condition that requires attention and treatment.

Causes of Depression in the Elderly

Physical Health Issues: Chronic illnesses such as heart disease, diabetes, and arthritis can contribute to depression. The physical pain and limitations these conditions impose can lead to feelings of hopelessness and despair.

Loss and Bereavement: The death of a spouse, friends, or family members can trigger profound grief and loneliness, increasing the risk of depression.

Social Isolation: Reduced social interactions due to retirement, mobility issues, or the loss of loved ones can lead to feelings of isolation and depression.

Medication Side Effects: Some medications commonly prescribed to older adults can have side effects that contribute to depressive symptoms.

Genetics: A family history of depression can increase the likelihood of developing the condition.

Life Transitions: Major life changes, such as moving to a nursing home or adjusting to a new living situation, can be stressful and contribute to depression.

Symptoms of Elderly Depression

Recognizing depression in the elderly can be challenging as symptoms may differ from those in younger individuals. Common symptoms include:

Persistent sadness or anxiety

Loss of interest in activities once enjoyed

Fatigue and lack of energy

Changes in appetite and weight

Difficulty sleeping or oversleeping

Feelings of worthlessness or guilt

Difficulty concentrating and making decisions

Physical symptoms such as aches and pains without a clear cause

Thoughts of death or suicide

Treatment Options for Elderly Depression

Psychotherapy: Cognitive-behavioral therapy (CBT) and interpersonal therapy (IPT) are effective in treating depression by addressing negative thought patterns and improving coping strategies.

Medication: Antidepressants can be prescribed to help balance brain chemicals. It’s crucial to work closely with a healthcare provider to find the right medication and dosage, considering potential side effects and interactions with other medications.

Lifestyle Changes: Encouraging physical activity, a healthy diet, and regular sleep can improve mood and overall health.

Social Support: Maintaining strong social connections through family, friends, and community activities can help alleviate feelings of isolation and depression.

Support Groups: Joining a support group for older adults can provide a sense of belonging and understanding.

Medical Care: Managing chronic health conditions and ensuring proper medication management can reduce the physical factors contributing to depression.

Preventing Depression in the Elderly

Stay Connected: Encourage regular social interactions and participation in community activities.

Promote Physical Health: Encourage regular exercise and a balanced diet.

Provide Emotional Support: Be attentive and supportive, recognizing the emotional needs of older adults.

Monitor Medications: Be aware of potential side effects and interactions of prescribed medications.

Seek Professional Help: If signs of depression are present, seek the advice of healthcare professionals promptly.

Remember, if you need further guidance or support, don’t hesitate to reach out to your mental health professional or��contact us for assistance.

[financeadvisor1]

How Financial Advisors Can Be Your Key to Financial Security

In today's complex world of investments, financial planning, and wealth management, achieving financial security can be a daunting task. As you navigate the path to financial stability and prosperity, a financial advisor can be your key to success. These professionals offer expertise, guidance, and personalized strategies to help you meet your financial goals and secure your future. Here's how a financial advisor can play a crucial role in your journey toward financial security:

Tailored Financial Planning: Financial advisors begin their work by understanding your unique financial situation, goals, and risk tolerance. They craft a personalized financial plan that aligns with your objectives, whether it’s saving for retirement, buying a home, funding your children’s education, or building an emergency fund.

Investment Management: A significant aspect of financial security is growing your wealth through smart investments. Financial advisors can help you build a diversified investment portfolio that balances risk and reward while aiming to maximize returns. They also monitor and adjust your investments as market conditions change, keeping you on track toward your long-term goals.

Retirement Planning: Planning for retirement can be complex, but a financial advisor can simplify the process. They can help you understand different retirement account options, estimate your retirement expenses, and develop a strategy to ensure you have enough savings to maintain your desired lifestyle in retirement.

Tax Efficiency: Effective tax planning can save you money and boost your financial security. Financial advisors work to minimize your tax liability by leveraging tax-advantaged accounts, investment strategies, and other tax-efficient planning techniques.

Debt Management: If you’re struggling with debt, a financial advisor can provide strategies to pay down your balances while maintaining a healthy financial outlook. They can help you prioritize debt payments and create a plan to eliminate high-interest debt efficiently.

Risk Management: Financial advisors help you assess and manage risks that can impact your financial security, such as unexpected health issues, loss of income, or property damage. They recommend insurance products like life, health, and property insurance to protect you and your loved ones from unforeseen events.

Estate Planning: Proper estate planning ensures that your assets are distributed according to your wishes and minimizes potential taxes and legal issues for your heirs. Financial advisors can help you create or update your will, trust, and other estate planning documents.

Accountability and Support: Working with a financial advisor provides you with accountability and support as you work toward your financial goals. They can help you stay disciplined, make informed decisions, and adjust your plans as needed.

Navigating Life Transitions: Life is full of changes, from starting a family to changing careers or facing unexpected challenges. Financial advisors can guide you through these transitions, helping you adjust your financial plan and investments to accommodate new circumstances.

Peace of Mind: Ultimately, having a financial advisor gives you peace of mind. Knowing that you have a professional watching over your financial well-being allows you to focus on enjoying life and pursuing your dreams without the stress of financial uncertainty.

In conclusion, a financial advisor can be an invaluable partner on your journey to financial security. By providing personalized guidance and strategic planning, they help you achieve your financial goals and navigate life’s financial challenges with confidence. Consider working with a financial advisor to secure a brighter financial future for you and your loved ones.

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Planning Your Next Chapter: A Lawyer’s Guide to Retirement Preparation

Ready to transition from the courtroom to a well-deserved retirement? Our comprehensive guide helps lawyers navigate the journey to retirement with ease. From financial planning and investment strategies to lifestyle adjustments and maintaining a sense of purpose, discover the essential steps to ensure a smooth and fulfilling retirement. Start planning your next chapter today!