You or Your Partner? No More Fights On Who Is The Breadwinner

You or Your Partner? No More Fights On Who Is The Breadwinner

Rashmi Schramm MD

Tong (Toni) Liu MD is a Cartoonist, Life Coach, and Family Physician focused on women’s preventative care.  View profile

One of the top stressors for couples is money.

Just a century ago, there were very clear rules for who served as the “Breadwinner” for the household.

In modern society, however, women have rightfully gained the opportunities to work and support themselves!

However, old traditions can still run deep on a subconscious level.

Many women still end up the primary caregiver for their families, either by choice or pressure.

 

Breadwinner Battles

What if there was a way to create your own Breadwinner, completely separate from you AND your partner?

Now there IS such an option.

It’s called “Financial Independence (+/- Retire Early)” – the “FIRE” movement.

It sounds hokey, but it has worked for so many people, and it can be reproduced by ANYONE.

Most of us have never been taught anything about finances, including myself. This is probably why the average savings rate for Americans is an appalling 5%.

Wealthy people understand the power of compound interest. Money can actually make more money; money can work FOR you, rather than you working FOR money.

 

Isn’t the Stock Market just Gambling?

I used to be completely against investing in the stock market. I saw it as gambling and too risky, especially for someone as risk-averse as I was.

Individual stocks for individual companies may be too risky, since you could lose everything you put into it if the company went bankrupt.

However, a well-kept secret is a type of stock called an “Index Fund,” such as the S&P500, which is the average of the 500 top-performing companies.

They can never all go bankrupt at the same time. If one company does poorly and drops out of the top 500, you will automatically get the new one who takes its spot.

This is like betting on the casino – the casino may win and lose money to players, but OVERALL the casino ALWAYS wins (that’s how they stay in business).

Learning about Index Funds and how ANYONE can make an Investment Portfolio and reach Financial Independence, was life-changing.

 

Simple Calculations

And the math is surprisingly simple.

Calculate the amount you need to save up with this FIREcalculator (https://www.firecalc.com/)! It tells you, with your current living expenses, income, and savings rate, how many years you’d need to work to achieve Financial Independence.

Even with fluctuations, overall your money grows by 6-8% interest each year once invested (and there are even some stocks who pay you money regularly called “dividends” even if the company did poorly and lost money).

 

The Ultimate Freedom

If you save up enough so that 4% of that interest can fully cover your living expenses, then you have achieved “Financial Independence.” Meaning, you NEVER need to work for money again. You know you will be ok if you NEVER made another cent in your life.

You will have more freedom, control, and power over your life. You can say yes only to the jobs that excite you, go part-time, or do volunteer work that lights you up, rather than feeling you ever “have to” take a job ever again because you need the money.

This is SO powerful. It means that your Portfolio will be the Breadwinner for you, your partner, and your family. Your Porfolio will make money for you while you sleep, and will always be there for you to rely on.

 

Questions and Concerns

I know there are still so many fears and uncertainties, such as what if the stock market does really poorly or the laws change?

The Index Funds have recovered from all the stock market crashes and depressions in history, and ended up even better off than before.

The stock market even recovered after Covid-19 hit. It dropped in March but now, just 6 months later, is back to where it was, and doing even better!

 

Can FIRE work for me?

YES!! FIRE is not a myth, or accessible for only the high income earners.

ANYONE can do it, with some planning, discipline, and taking a long hard look at what truly brings you joy and what are just excessive expenses that you’re spending just because society tells you you “should.”

The point is not to deprive yourself. Everyone’s living expenses and “FIRE number” will be different.

The FIRE movement empowers and brings more mindfulness to our financial choices, which in turn will improve all other areas of our lives.

There are some details which I felt may be too overwhelming to share in this article. I’m more than happy to send you resources and/or sit down with you to discuss more! Reach out to me anytime or comment below.

We live in a fast-paced, ever-changing society. The role of Breadwinner doesn’t need to belong to men or women. We are not boxed in. Let’s break boundaries together!

 

Short Article Review

  • Money is a huge stressor for couples and a root cause of arguments.
  • Men have been the traditional “Breadwinner,” but now women are leveling the playing field. But what if there was a 3rd option?
  • Financial Independence (+/- Retire Early) “FIRE” movement states that you can set up money to make more money for you by using broad stock market Index Funds.
  • These are less risky than individual stocks and there is zero chance of you losing all the money you put in.
  • Once 4% of your investment profits cover your living expenses, you never have to work for money again. Your investment Portfolio will be your Breadwinner, and you and your partner will have more freedom, ease, and power over your precious time and energy!

The content in this article is for informational purposes only and is not intended as legal, tax, investment, financial or other advice.  Always seek the advice of a licensed professional regarding any financial questions you may have.   

The Post You or Your Partner? No More Fights On Who Is The Breadwinner appeared first on Womanly Inspiration.

Manage Your Business Finances Like a CFO

Manage Your Business Finances Like a CFO

Elaine Co

Elaine Co is a a Chartered Professional Accountant, and fellow entrepreneur who helps small businesses with their bookkeeping and taxes. View profile 

 

As an entrepreneur, there are always a million other things that seem more important than managing your business finances. From updating your website to creating that next social media post, it’s easy to let your accounting and finances fall by the wayside.

However, if you are serious about growing your business, managing your business finances is something you need to prioritize. 

Knowing your numbers is key to growing your profits. 

By knowing your numbers, you’ll understand what’s working in your business and what’s not, and make adjustments before it’s too late.

The truth is, no one is going to care more about your business than you. You need to be your own CFO. 

Here are some guidelines to follow to manage your business finances as your own CFO.

1.  Stay up to date with your bookkeeping

Having up-to-date bookkeeping is the foundation of getting the financial side of your business organized. It provides you with the tools and knowledge to make smart business decisions that will ultimately increase your profits and grow your business. 

This starts with having a system to track your income and expenses. This can either be done in a spreadsheet, or in an accounting software like Quickbooks Online.

If you’re a new entrepreneur in the side-hustle stage with a small number of transactions, a spreadsheet will typically be sufficient. However, if your business has more complex transactions or if you’re in your business for the long haul, I strongly recommend investing in software. 

What happens when you ignore your bookkeeping?

  • You don’t catch mistakes in time which can cost you time and money. 
  • You’re stressed come tax time when you’re stuck with doing a year’s worth of bookkeeping at once.
  • You miss deadlines and pay unnecessary penalties and interests.

Regular bookkeeping allows you to be proactive with your decisions, and plan for what’s coming up. 

An important part of bookkeeping is making sure you have the proper documents and records to support your revenue and expenses. 

Organizing and storing your receipts is a must. If you are ever audited, the government will want to see the invoices and receipts to back up what you’ve put through your tax return.

If you find yourself ignoring your bookkeeping because you’re too busy running the day-to-day operations of your business, consider outsourcing your bookkeeping. The investment will be worth the gain.

2.  Analyze your numbers every month

Your numbers tell the story of how your business is doing.

After your bookkeeping is done for the month, the next step is to analyze your numbers.

Take a look at your revenues, expenses, and net profit. Then pull up your accounts receivable and accounts payable reports.

These are some of the questions you should ask yourself:

  • Were you profitable last month? Or did you have a loss?
  • What was your highest revenue stream and how can you focus more on it?
  • What was your biggest expense? Is this contributing to your business, or can you eliminate or reduce it?
  • How much do my customers owe me and should I be following up with any of them for payment?
  • How much do I owe my suppliers, and do I have enough cash to make the payments?

 

It’s so important to go over your numbers each month and strategize on how you can improve them next month.

If you work with a bookkeeper or accountant on an ongoing basis, it will be especially helpful to work on this exercise together. 

3.  Have a cash flow plan

I’m sure you’ve heard of the phrase “cash is king”. This is very much true, and running out of cash is one of the top reasons businesses fail. 

Set up a cash flow plan that includes the timing and amount of cash coming in and cash going out, so that you can predict things like:

When will you run out of cash and will need to invest money into the business from personal funds?

Or the opposite – when will you have a cash surplus, so you can reinvest back into your business or pay yourself back?

This can simply be done in a spreadsheet. You don’t need any fancy apps or software. 

A good cash flow forecast or plan will ensure you’re able to pay your bills, pay yourself, and set aside money for taxes. 

4.  Understand your tax obligations as an entrepreneur

A common mistake made by new entrepreneurs is not understanding what their tax obligations are. 

As a business owner, things such as sales tax, income tax instalments, and payroll taxes come into play that new entrepreneurs don’t realize.

Do you need to register for, collect and remit sales tax?

Do you need to make estimated tax instalments? If so, when are the due dates?

How much taxes do you need to set aside each month so you’re not hit with a huge tax bill you weren’t prepared for?

These are just some of the questions you should know the answers to. 

Knowing your obligations and taking care of these ahead of time can save you headache and unnecessary penalties and interests down the road, and most importantly, help avoid mistakes. 

Make sure you do your research or consult with a professional to get educated on your tax obligations.

Conclusion

Remember, bookkeeping and dealing with your business finances isn’t something you do once a year just to file taxes.

Make it a part of your monthly to-do list where you sit down and go over what’s going on in your business.

Take the time to understand your business numbers. Look at them regularly, and use them to make smart business decisions that will help you reach your goals.

 

Short Article Review 

  • As a business owner, managing your business finances is a must if you want to grow your business and profits.
  • Take the time to understand your numbers and make it a priority to analyze your numbers every month.
  • Staying up to date with your bookkeeping is the foundation to getting your finances organized and will make tax time less stressful.
  • Monitoring your cash flow allows you to be proactive with your money. By having a cash flow plan, you can control the amount and timing of your cash ins and outs.
  • Make sure you understand your tax obligations as an entrepreneur. Getting educated in this area will save you headache and penalties, and most importantly, help avoid mistakes.

 

The content in this article is for informational purposes only and is not intended as legal, tax, investment, financial or other advice.  Always seek the advice of a licensed professional regarding any financial questions you may have. 

The Post Manage Your Business Finances Like a CFO appeared first on Womanly Inspiration.

5 Makeup Myths That Every Woman Should Know

5 Makeup Myths That Every Woman Should Know

Kathy Huynh

Kathy Huynh is a a published bridal makeup artist, the owner of Kathy Huynh Artistry and a beauty business coach.  View profile

“Putting on makeup takes too long,” or “I just don’t have time in the morning,” or “I wish I could put on makeup every day, but it’s hard and I don’t know how.”  These are things I often hear from the women I work with.

When you think of putting on makeup, you probably feel stressed and overwhelmed—especially if you are someone who has very little to no experience in the beauty department.  You might even roll your eyes at the thought of getting up early to do your makeup every single day because you’re probably imagining a drawn-out, complicated process with way too many steps to remember and a table full of products that only add to the your overwhelm. I don’t blame you.

Social media has us thinking that putting on makeup means spending hours in front of the mirror, spending a ton of money on products and becoming a beauty expert is required in order to make it work. So yeah, it can feel discouraging, especially if you are not a beauty enthusiast or someone who has the luxury of spending a couple hours on getting their face dolled up.

But don’t worry, I am going to debunk five common makeup myths that every woman should know. After reading this article, you’re going to feel much more empowered to use makeup and have the peace of mind that you don’t have to do all the steps in order to look good and feel confident on a regular basis. In fact, I’ll be sharing some tips to help you create a simple makeup routine that works for YOU. Yes, it will save you time and it works for everyone– even if you are a busy mom or an entrepreneur or a makeup newbie! 

Makeup Myth 1: Makeup requires a lot of application of time

Believe it or not, makeup application can take as little as 10-15 minutes. Yep, my everyday makeup routine takes only 7 minutes (full face application).  The first step in having enough time, is to remove the belief that it takes a lot of time. Just like anything, the more practice you have, the better and more efficient you become.

The key to shorten the amount of time you spend in front of the mirror is to identify the 3 major features of your face that you’d like to enhance and spend the most time on….and the rest is just icing on the cake!

For example, I like to focus on enhancing my eyes, my skin complexion and my eyebrows. On days when I need to rush out the door, I just do those 3 parts and leave the rest out. When I’m getting ready for an evening out, I’ll add on the additional fun steps that really take my makeup to the next level.

Makeup Myth 2: You need to buy a lot of products in order to do good makeup

The beauty industry is literally a $532 BILLION dollars industry. So yeah, you can bet your bottom dollar that cosmetic companies are going to try and get you to buy everything off their shelves! Simple, everyday makeup requires only a few staple products.

You do not need to buy anything more than the essentials. This will take some time for you to play around with and find products that you LOVE. To save you money and overwhelm, I recommend buying quality products that have multipurpose use. For example, I love my IT Cosmetics “Your Skin But Better CC Cream” because it has SPF and color corrector!

Makeup Myth 3: Makeup is a complicated process with too many steps

We’re the ones making things complicated. Same rule applies here as it did to buying only the essential products–only do the essential steps. The key is identifying the important steps that work for you. Understanding WHY you are doing each step is going to help you tremendously in recognizing the steps that are unnecessary.

Do you really need to put on 2 layers of two different primers? Do you really need to sit and bake your face with powder? And do you really need to contour your face with cream AND with powder contour for your everyday look?

Weeding out the “extra” steps that YouTube makeup gurus love to emphasize is going to be a major time saver. I personally don’t use any primer, I don’t bake my face and I definitely don’t have time for both powder and cream contour!

Makeup Myth 4: You need to be a makeup enthusiast to do makeup

Just because you don’t spend your free time playing with makeup or watching a beauty guru play with her makeup on YouTube, it doesn’t mean that you are doomed. It doesn’t mean that you won’t be able to do makeup.

Knowing how to do good everyday makeup has nothing to do with art, or your desire to play with makeup. It is just a learned skill. It’s about understanding how the products work with your skin and how it looks on your face—that’s it! And just like anything, the more time you spend on getting to know your face and features, the better you’ll become at applying makeup. It’s about putting as much makeup on as you need to make you feel confident. You don’t like heavy eyeshadow? Great! You never have to put eyeshadow on. You just want your lashes to look longer? Perfect! Just put on mascara. Do what makes YOU feel good. You don’t need a degree to do that.

Makeup Myth 5: Using makeup makes you look superficial

Many women shy away from putting on makeup because they feel it would make them look and feel superficial. Yes, makeup does have the power of creating illusions and if you put enough of it on, you can transform into someone completely different. Heck, you can even look like your favorite celebrity if you wanted to!

However, when it is used in moderation, such as every day casual makeup, it can enhance your features and self-image.

Using makeup on a regular basis can make you feel more confident and feminine and you may even see an overall better version of yourself. The version you fall in love with every time you look in the mirror.

Makeup is not a tool for deception, it’s an act of self-love. You don’t want to look like Kim Kardashian? Great! Don’t put on makeup like her. You are in control and when you look and feel confident, you can do anything!

Now that we have busted these 5 myths on makeup and given you practical tips to get started, why don’t you try it out and see if you can come up with your basic daily make up essentials and routine.

 

Short Article Review

  • Makeup Myth 1: Makeup requires a lot of application of time.

  • Makeup Myth 2: You need to buy a lot of products in order to do good makeup.

  • Makeup Myth 3: Makeup is a complicated process with too many steps.

  • Makeup Myth 4: You need to be a makeup enthusiast to do makeup.

  • Makeup Myth 5: Using makeup makes you look superficial.

The content in this article is for informational purposes only and is not intended as legal, tax, investment, financial, medical or other advice.  Always seek the advice of a licensed professional regarding any questions you may have.  

The Post 5 Makeup Myths That Every Woman Should Know appeared first on Womanly Inspiration.

I Survived a Brain Aneurysm In My 30s

I Survived a Brain Aneurysm In My 30s

Ally Davis

Ally Davis is a bestselling author and entrepreneur. View profile

“An aneurysm is an enlargement of an artery caused by a weakness in the arterial wall. A brain aneurysm can leak or rupture causing bleeding into the brain and can be life-threatening (https://www.nhs.uk/).”  A brain aneurysm is also known as cerebral aneurysm.

8 months ago 

My writing was awful. It looked like a child’s scrawl. I was writing some notes out for my partner and he told me he couldn’t even read it and that he would do it himself. I remember being upset as I had always had good writing.  I couldn’t understand however hard I tried why my hand wouldn’t write neater.

We were going for lunch, my whole family including my aunt and uncle from France. It was a lovely lunch and great to catch up with everyone. After lunch, my sister rang me, she was worried about me as she thought my face had dropped on the one side. I hadn’t particularly noticed anything but thought it was maybe down to tiredness.

The following day I went to put my shoes on and fell over. I just fell like I had no control over my limbs! I am known to be a little clumsy, but I am not normally that bad. I felt a bit stupid that I just fell over like that, so I rang the doctor and quickly got seen that night. 

I had a brain aneurysm! 

After lots of scans and tests, I was diagnosed with a giant cerebral brain aneurysm and was admitted to the hospital. Nope, I couldn’t just have a normal size one, it had to be a giant one! You see, in my life so far, I never seem to do things simply! 

Apart from the weird feeling in my arm and feeling a little unbalanced, I felt totally fine, so staying at the hospital was hard. I couldn’t use my computer as wifi was awful and I was just stuck in a cubicle with a bed and no window! The first ward I was on was full of geriatric patients and I was the youngest on the ward. My family, friends and partner kept me entertained and every hour he was allowed, my partner was there by my side. 

Staying in the hospital

The first week I spent at Hereford Hospital, before being transferred to the Queen Elizabeth Hospital in Birmingham. It was only when I arrived here did I realize how serious my situation was. I was told that if the aneurysm was to rupture, I would die. Simple as that, there would be nothing they could do. 

At the time leading up to my operation, I didn’t really think about how serious my situation was. I felt pretty much fine so it was hard to wrap my head around this place I was in. From the 1st of December, the trajectory of my life and the things I had planned had all changed. 

The hardest part was seeing the pain on my family’s faces and the worry from my friends. I was the one going through it but seeing their worry was so hard. I couldn’t take that from them, apart from being as strong as I could. Unfortunately, this isn’t the first time I have had health problems and worried my family. I was told I had cancer at 29 (it wasn’t cancer in the end, but that is another story!)

Five hours! 

On the 11th of December (my beautiful little sister’s birthday)  I had a five-hour operation to stent and coil the aneurysm. They were able to perform the operation from going in at my groin rather than going in through my skull. I’m grateful I didn’t have to have entrance through my skull as the recovery at the groin was much quicker and I didn’t even have stitches! 

Before the operation, you have to sign a consent form.  There was a chance that I would come out of the operation with visual impairment, meaning I wouldn’t be able to drive again and that it would affect my life considerably. Also, obviously the usual risks of the operation. That upset me quite a lot because the thought of losing some of my sight was just unthinkable. My partner kept saying that you will be here, alive with sight differences and that is far better than not being here. I understood what he was saying, but at the time it upset me that I couldn’t control what would happen and I wouldn’t know how I would be until I woke up! 

Up to the moment before I went into the operating theatre, I had been so strong.  The only time I got upset was when I knew I was being admitted and couldn’t see my dog! Gosh, I missed him! But the few minutes before my operation, I was distraught! Saying goodbye to my Partner and Mum was so ridiculously hard. I didn’t think about not waking up, I knew I was going to wake up and see them again. I wasn’t scared about that but really scared about who I would be when I awoke. It is also horrible having to say goodbye to loved ones, watching them walk away while you go to the unknown. 

Just before they put me to sleep, I was trying so hard to think of wonderful things and stop crying. I didn’t want to wake up crying as I had heard that how you go to sleep under anesthetic is how you will wake up. I thought of the beach with my partner and dog and the family meal we had recently had. And I didn’t wake up crying (just cold)!

To now 

Eight months have passed and I am pleased to say I am here, doing my best to live life, cherish moments and make memories.  I, unfortunately, suffer from severe head pain most days, which they believe is another condition that unfortunately has gotten worse since my operation, but I’m trying to live with it. 

Therefore, if you are reading this, my advice would be to not ignore the symptoms. Any symptoms, even if you think you are being silly just get them checked. I am the lucky one because it got detected before it burst. Some people don’t get that opportunity. An aneurysm can have many symptoms, some similar to a stroke but if you aren’t sure about anything, get it checked. I felt fine, no headaches or blurred vision and if it wasn’t for my sister noticing my droop, I probably wouldn’t have called the doctors. 

Symptoms of a cerebral aneurysm are many, and they vary.  While this is not an extensive list, here are some symptoms you should look out for.

  • Headache
  • Changes in consciousness
  • Seizures
  • Facial pain
  • Visual symptoms
  • Imbalance
  • Focal neurologic complaints
  • Respiratory dysfunction
  • Cardiovascular instability
  • Epistaxis (nosebleed)

The main point here is that if something doesn’t seem right, if something feels off, then you should urgently seek medical help.

Life is short! Yes, it is so damn short, so make the most of every single moment. Cherish the little things, laugh often, love hard and smile. And remember “when it rains you have to look for rainbows and when it’s dark look for the stars” – Oscar Wilde .

 

Short Article Review

  • I was so lucky! 
  • Brain aneurysms can affect anyone.
  • Look out for any warning signs and differences in your health.
  • Some symptoms don’t seem to be that serious.
  • Life is so short – make the most of every moment!

The information in this article is not intended to be a substitute for professional medical advice, diagnosis or treatment.  Always seek the advice of your healthcare provider regarding any questions you may have about any medical condition.  

The Post I Survived a Brain Aneurysm in my 30s appeared first on Womanly Inspiration.

7 Mental Shifts for Conquering Any Obstacle

7 Mental Shifts for Conquering Any Obstacle

Rashmi Schramm MD

Tong (Toni) Liu MD is a Cartoonist, Life Coach, and Family Physician focused on women’s preventative care.  View profile

What is your biggest Obstacle in life right now keeping you from getting to where you want to be? Is it asking for a raise? Losing weight? Making time for hobbies? Improving relationships?

Life can throw incredibly tough challenges at us. But EVERYTHING is conquerable!

Our brain is our most powerful weapon, and some small, simple mental shifts can help make tackling any obstacle much easier. 

1. Break it down into small daily steps

Visualize yourself as the Heroine of your story and your Obstacle as an enemy. It’s not some insurmountable wall; it’s another being, with weak spots. What is your SuperHeroine name and powers? What is your Villain’s name?

Break it down and list small steps you can take to fight it, targeting those weak points. How can you see your Obstacle from different angles, and come up with new ways to tackle it? If you’re feeling stuck…

2. Seek support from others

Find and speak with others who have conquered this before. You are never alone in the challenges you face, no matter what they are.

Reach out for a support group or listening ear, or do a brainstorming session together. Hire a coach, therapist, accountability partner, lawyer, whoever you need to support you in your journey.

Know that you are worth supporting and that it’s never a burden. We were not built to do everything alone.

3. Celebrate your wins every day

Give yourself a pat on the back at the end of every day, no matter how much or little you’ve done. Be kind with yourself. You don’t need to work on it every day, as long as you don’t give up working on it.

4. Practice gratitude

No matter what you’re facing, there are people who would love to be where you are at already. It may help to remind yourself that some people would love to be you. It helps you feel more grateful for all that you have already.

5. Adopt a growth mindset – Progress, not Perfection

Be forgiving of yourself when you make mistakes or if your progress is not where you want it to be. It’s okay to take 2 steps forward and 1 step back.

As long as you are moving, you are getting closer to your goal every moment. It’s a matter of WHEN, not IF.

If it takes about 10,000 hours to become an expert in anything, it’s ok if it will take you a long time to conquer your Obstacle. It’s a marathon, not a sprint. You WILL get there if you put in more time and effort; it’s not a question.

6. Look back to see how far you’ve already come

Zoom out from your Obstacle from time to time to see the progress you’ve made. Remind yourself that you are amazing and capable of anything.

Especially as women, it can be so easy to downplay all our accomplishments. Give yourself the recognition and acknowledgements you deserve!

If you’re having trouble, ask someone else to remind you, or write in a journal to yourself as if you were your good friend.

7. Consult Future You

Envision yourself 5, 10, 20 years later. How big or important will this Obstacle be? Will it still matter by that time?

If it will, try to put yourself in Future You’s shoes, who has conquered this already, and ACT AS IF you are already a winner triumphant over this Obstacle. When stuck, ask “What would SHE do?”

What is your Obstacle? What kind of SuperHeroine are you and what kind of Villain is your Obstacle?

 

Reach out to me anytime if you’d like more support!

 

Short Article Review

  • Our brain is our most powerful weapon. We can do ANYTHING we set our minds to, especially if we adopt some small mental shifts.
  • Your Obstacle always has weak spots. It can always be broken down into manageable daily steps.
  • Celebrate yourself and the entire journey. Acknowledge yourself for where you’re at, how far you’ve come, and how you’re doing every day.
  • Be kind and forgiving towards yourself. Aim for progress, not perfection, and know that it’s a matter of WHEN, not IF you conquer your Obstacle.
  • Seek help and support from others as needed. You are never alone, and we were not built to do everything alone.

The content in this article is for informational purposes only and is not intended as legal, tax, investment, financial, medical or other advice.  Always seek the advice of a licensed professional regarding any questions you may have.  

The Post 7 Mental Shifts for Conquering Any Obstacle appeared first on Womanly Inspiration.