Webinar 023 Recap: Self-Employed Expense Tracking and Year-Round Tips

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This webinar is part of a sponsored collaboration with TurboTax designed to give you information to make tax season stress-free. Watch and get great tips and tools from Lisa Greene-Lewis on how to stay on track year-round to get your finances in shape.

Lisa Greene-Lewis is a CPA and tax expert for TurboTax with over 15 years of experience in tax preparation. In addition to extensive tax experience, Lisa also has a very well-rounded professional background. She has held positions as a public auditor, controller and operations manager. Lisa has appeared on the Steve Harvey Show, the Ellen Show and major news broadcast to break down tax laws and help taxpayers understand what tax laws mean to them. Prior to becoming the TurboTax blog manager/editor, she was a technical writer for the TurboTax Consumer Group. Lisa is dedicated to getting timely and accurate information out to taxpayers to help them keep more of their money.

Here's a brief recap of what Lisa covers in this webinar:

  • Filing taxes as a self-employed individual

  • Tips for tracking expenses

  • Travel and business tax deductions

  • TurboTax year-round tax tips

Bonus:

  • Q/A with live viewers

Useful  Links:


If you missed the webinar, don’t worry. We got ya! You can watch the replay for free.

Watch the replay here!

Want more webinars like this one that you can access for FREE all the time? Join CHANGEMAKERS Collective, our members-only hub, where you can get webinars like this one, ebooks and so much more as part your membership.

Meet The 10 Latina Entrepreneurs Joining us at #WeAllGrow Summit 2019 Latina Makers Market, Presented by Delta and Aeromexico!

It’s with great excitement that we introduce the top 10 Latina creative entrepreneurs that will be showcasing their beautiful products at #WeAllGrow Summit Latina Makers Market, presented by Delta and Aeromexico. We were overwhelmed with joy after seeing the amazing support you showed these wonderful Makers with your votes!

Attendees will be able to shop and connect with these talented Makers at the sold-out #WeAllGrow Summit 2019 in Long Beach, CA. Keep reading to learn more about each one of them and their work and make sure you’re following them if you aren’t already.

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Brujita Skincare

Brujita Skincare is a Latina-owned brand from Los Angeles, Ca. Brujita Skincare focuses on making essential skincare with ingredients sourced from mercados throughout Mexico. Sourcing from merchants brings awareness to other communities about mercado culture in different regions of México.

Leah Guerrero is the creator of Brujita Skincare and has over 10 years of experience in holistic skincare as an esthetician. Brujita Skincare was born in Mexico City during her month-long trips and immersing herself in mercados.

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By La Blum

By La Blum was born for all those women who know that the clothes we wear is our "statement." Because in a life where everything happens so fast, our outfit - in a single glance - communicates a thousand words. That’s why behind each By La Blum design there is an intention and a message: TO MULTIPLY THE GOOD VIBES every time you wear our t-shirts, jogger pants, bags and caps, which will always make us feel very feminine without sacrificing comfort. All of our products are made by the hands of talented Latina women.

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Cha Cha Covers

Cha Cha Covers is a line of culturally-inspired nail decals founded by mompreneur and designer Ana Guajardo. Drawing inspiration from the colors and beauty of Latinx cultura, music, art, and more, Cha Cha Covers has significantly influenced the nail art landscape, used by nail artists and individuals as a fashion statement of self expression. In addition to the Cha Cha Covers collection, their brand hosts nail bars, private labels nail decals for brands and artists, and participates in entrepreneurial workshops that empower future makers and entrepreneurs in public libraries, community spaces, conferences and more. Cha Cha Covers mission is to spread beauty and light through functional art that is accessible across generations and cultural backgrounds.

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Fúchila Fresheners

Fúchila Fresheners aims to represent the Chicano and Latino cultura with pride by providing an accessible, unique way to consume art on a daily basis. Pairing thoughtful, cultural relevant products with the power of scent, the strongest sense linked to memory, so we can tap into our #latinostalgia and make an otherwise bland commute more enjoyable in hopes that the #fuchilafamilia will hang the scented art pieces with orgullo long after the scent has faded and ultimately re-purpose these fresheners so they may live on.

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Happy Organics

Jessica Gonzalez runs a sustainable apiary in Merced, California. She is a first-generation Mexican-American and third-generation beekeeper. In a village in Michoacán, México her grandfather kept bees; his profound respect for nature was passed down to her father and now to her. She created Happy Organics when her dad was diagnosed with terminal cancer. He was using cannabis for pain management; Jessica decided to mix it with honey to improve the taste and experience. Her goal is to change the stigma around cannabis in the Latin community by creating a sustainable cannabis company with quality products.

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Jen Zeano Designs

Jen Zeano Designs is a Texas-based lifestyle brand with a mission to empower the Latinx community through apparel and accessories that make you feel proud of our cultura. Jen Zeano Designs believes in kindness, girl power, adventures, Latina magic, and celebrating every tiny victory, which is why they strive to create a brand that celebrates all of us.

JZD is an online shop that also focuses on creating a community where Latinx individuals can feel represented and understood.

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Karla and Co.

Karla and Co. is a big idea disguised as a small business ran from a home office in Arizona dedicated to showcase the flavor of Latin culture and share that a woman from a small town in Puerto Rico can create the American dream. Their mission for their products is to offer high-end fabric items at a low cost so that anyone at any income level can enjoy a soft and cozy piece of apparel. Each design is inspired by different cultures to show off each one's individual beauty, flavor, and flare.

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Lilibun Designs

Lily Lopez is the owner of LiliBun Designs. Ever since childhood, crafting has been a great part of Lily’s life. She learned how to sew at a very young age from her Mamá and Tía. She specifically works with felt fabric. She loves how versatile it is and easy to work with. She makes items that are part of her world and things she love. A few favorites are the felt concha, the felt sugar skull, the felt nopal and felt llama. All beautiful and colorful representations of her culture.

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The LA Garden

The LA Garden started from the love of the arts and gardening. Dianna Martinez wanted to create something that represents her as well as bring in something new to the table. TLAG crafts unique garden pieces for all occasions. It all started from recycling light bulbs and turning them into planters. Then handcrafting wooden planters with original hand painted designs paired with plants/succulents to unique floral & succulent bouquets and hair pieces. And now, they also host garden parties where guests get to paint, plant and wine! It is a fun and relaxing activity for guests of all ages.

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The Salvaged Sawhorse

The Salvaged Sawhorse started as a way to cope with Jennifer Velasquez’s chronic migraines. Desperately searching for a way back to the person she was before her daily headaches, she began setting intentions each day and writing affirmations on sticky notes that she stuck everywhere: her desk, bedside table and even the bathroom mirror! As she built herself up, a line of products for intentional living and self-care evolved. She creates affirmation decks, weekly planners, intention setting tools and more all to help others effortlessly lead a life that’s aligned with their values with little nudges to take time out for themselves.

Webinar 022 Recap: Tips From a Full-Time Travel Entrepreneur

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Many dream of traveling the world, but only a handful are able to make it a reality. Stephanie Flor, Founder of Around The World Beauty will share with you how she was able to transition from full-time makeup artist working with celebrities and red carpets to making six-figures launching a travel company inspired by beauty and culture.  

Inspired by the deeper meaning of beauty and her journey to over 30 countries Stephanie launched curated beauty tours that focus on cross-cultural beauty and wellness travel experiences to destinations like India for the celebration of Holi, Mexico for Dia de los Muertos and Japan for Cherry Blossoms. She has been featured on Latina magazine's “Young & Inspiring: Ones to Watch” list and was featured in Marie Claire as a “Trailblazer” in changing the way women see beauty.

Here's a brief recap of what Stephanie Flor covers in this webinar:

  • How to start traveling the world right NOW

  • Why relationships are key 

  • What to invest in first

  • Partnerships for traveling

  • How to make a career transition to traveling full-time and making money

  • Using points and travel credits 

  •  Building your story to create a brand from travel 

  • Traveling for fun and your must-have beauty bag

  •  Choosing your destinations inspired by your passions 

  • What is the Around The World Beauty Philosophy

Bonus:


If you missed the webinar, don’t worry. We got ya! You can watch the replay for free until the end of day on Thursday, February 27th or you can watch it for $4.99 anytime thereafter.

WATCH THE REPLAY HERE!

Want more webinars like this one that you can access for FREE all the time? Join CHANGEMAKERS Collective, our members-only hub, where you can get webinars like this one, ebooks and so much more as part your membership

Vote For Your Favorite Latina Makers to see them at #WeAllGrow Summit 2019 Latina Makers Market, Presented by Delta and Aeromexico!

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We’re so excited to announce the 20 semi-finalists for this year’s Latina Makers Market. We received over 200 applications from amazing creatives looking to showcase their products during #WeAllGrow Summit 2019. It was not an easy decision, but we’ve narrowed it down to the 20 semi-finalists entering the voting process for a chance to be a part of this year’s Latina Makers Market.

Voting is now open!

Vote for your favorite Latina Makers if you’d like to see them at #WeAllGrow Summit’s 2019 Latina Makers Market, presented by Delta and Aeromexico.

The 10 finalists, based on popular vote, will be invited to participate in the Latina Makers Market on May 31 and June 1st, 2019 in Long Beach, CA.

The Prize

The 10 selected Latina Makers will receive the following:

  • One ticket to our sold-out #WeAllGrow Summit and Wellness Day 2019

  • One $400 Delta flight voucher (if local, you still receive the flight voucher)

  • One vendor table on the Latina Makers Market exhibit space at #WeAllGrow Summit 2019

  • Promotion as one of the official Latina Makers Market 2019 vendors


Voting ends on February 28th at 11:59 pm PST. Latina Makers selection and notification will happen the first two weeks of March 2019. Full terms and conditions here.

VOTE HERE!

Get Your Biggest Tax Refund Under the New Tax Reform - Webinar 021 Recap

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We are so excited to bring you this webinar as part of a sponsored collaboration with TurboTax because we want tax season to be as stress-free as possible for you. Are you nervous about all the changes in tax laws? Don't be! Lisa Greene Lewis will help you understand what the new tax laws mean to you as a content creator, side gigger or solopreneur. Plus, you'll learn how you can maximize your tax refund this season. 

Lisa Greene-Lewis is a CPA and tax expert for TurboTax with over 15 years of experience in tax preparation. In addition to extensive tax experience, Lisa also has a very well-rounded professional background. She has held positions as a public auditor, controller and operations manager. Lisa has appeared on the Steve Harvey Show, the Ellen Show and major news broadcast to break down tax laws and help taxpayers understand what tax laws mean to them. Prior to becoming the TurboTax blog manager/editor, she was a technical writer for the TurboTax Consumer Group. Lisa is dedicated to getting timely and accurate information out to taxpayers to help them keep more of their money.

Here's a brief recap of what Lisa covers in this webinar:

  • The key changes under tax reform

  • Changes for homeowners

  • Eliminations of tax deductions

  • How to maximize your tax refund

  • Three biggest for benefits for self-employed

  • Myths versus facts about staying self-employed

  • Tools to help you navigate all the changes

Bonus:

  • Q/A with live viewers

Useful Links: 

If you missed the webinar, don’t worry. We got ya! You can watch the replay for free.

WATCH THE REPLAY HERE!

Want more webinars like this one that you can access for FREE all the time? Join CHANGEMAKERS Collective, our members-only hub, where you can get webinars like this one, ebooks and so much more as part your membership.


Meet The #WeAllGrow 2019 Storytellers!

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Every year since 2015, #WeAllGrow Summit has hosted six incredibly fearless mujeres to share their stories on the Storytellers stage. But it’s really because of you that #WeAllGrow Storytellers is so special! Time and time again you keep showing up with your amazing story submissions, even if afraid. You who come on and take command of the stage to share a bit of your lives allowing us into your world. You who gather in attendance to laugh, cry and empathize with the stories being told.

This year we’re thrilled to have WordPress.com as the #WeAllGrow Storytellers sponsor to celebrate that together we can “Do Anything”!

We received an incredible amount of submissions for Storytellers and we want to thank each and every one of you who submitted! We enjoyed getting to know you and learning about your journeys. Choosing the finalists was not an easy task. Together with Kathy Cano-Murillo and representatives from the WordPress.com and #WeAllGrow Latina teams, seven finalists were chosen to shine on a platform made for their stories this coming May in Long Beach, California.

Yes, SEVEN! We received so many impressive submissions this year that we decided to add one more Storyteller for the first time.

Please join us in congratulating the 2019 #WeAllGrow Storytellers! Get ready to laugh, cry and be inspired with their breathtaking stories.

2019 #WeAllGrow Storytellers

Dayhanna Acosta of Chase Your Fears

Denise Hernandez of Hustle for the Cause

Diana R. Diaz of Raww Network

Linda Garcia of Let There Be Luz

Sherly Tavarez of Style The Scene and Hause of Curlz

Silvia Martinez of Mamá Latina Tips

Vero Castagno of Vero’s Sweet Hobby


Are you ready to feel their stories? We sure are!


#TurboTaxGivesYouMas Brunch with Amigas in Los Angeles

#WeAllGrow Latina and TurboTax hosted an exclusive brunch event with amigas to focus on what really “matters”: money, financial empowerment and, por supuesto, mimosas!

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Gaby Natale moderated a panel featuring Certified Financial Planner and business advisor, Elaine King, content creator, Jenny Lorenzo, and CPA and tax expert, Lisa Greene-Lewis. These power mujeres led an open and candid conversation with important topics ranging from receiving a standard biweekly paycheck to leaving corporate America to pursuing freelance work, passions, and/or entrepreneurship and learning the hard way how to manage money, prepare for taxes, and the importance of savings.

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To learn more, visit the TurboTax blog (en español) and rsvp and/or watch the replays of our Financial Freedom webinar series presented by TurboTax so you, too, can join the conversation and receive expert advice on topics that matter.


Entrepreneurship 101: From Side-Gig to Full Time Negocio - Webinar 020 Recap

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We are thrilled to bring you this webinar as part of a sponsored collaboration with TurboTax. Watch and let Lisa Greene-Lewis teach you different tips and tools on how to get started building your own empire without hurting yourself financially, especially during tax time. 

Lisa Greene-Lewis is a CPA and tax expert for TurboTax with over 15 years of experience in tax preparation. In addition to extensive tax experience, Lisa also has a very well-rounded professional background. She has held positions as a public auditor, controller and operations manager. Lisa has appeared on the Steve Harvey Show, the Ellen Show and major news broadcast to break down tax laws and help taxpayers understand what tax laws mean to them. Prior to becoming the TurboTax blog manager/editor, she was a technical writer for the TurboTax Consumer Group. Lisa is dedicated to getting timely and accurate information out to taxpayers to help them keep more of their money.

Here's a brief recap of what Lisa covers in this webinar:

  • Important tips when starting a side-business

  • How to properly file taxes with a side gig

  • Tools to keep track of side-gig income

  • Quarterly estimated taxes

Bonus:

  • Q/A with live viewers

Useful links:

If you missed the webinar, don’t worry. We got ya! You can watch the replay for free.

Watch the replay here!

Want more webinars like this one that you can access for FREE all the time? Join CHANGEMAKERS Collective, our members-only hub, where you can get webinars like this one, ebooks and so much more as part your membership.


Latina Makers Market™ at #WeAllGrow Summit 2019, Presented by Delta and Aeromexico.

Apply to Join Us!

Latina Makers Market 2019

Ever since our second #WeAllGrow Summit in 2016, we set out to support the talented Latina creative entrepreneurs in the community by creating Latina Makers Market, a space within our yearly Summit where 10 Latina makers are hand-selected and invited to vend and showcase their products at no cost to them. This is yet another way in which we celebrate the entrepreneurial boom within our community which is driving this nation’s economic force!

For our fifth year, we’re excited to take Latina Makers Market to a new and exciting level.

Join us in welcoming Delta and Aeromexico as the first-ever Latina Makers Market™ sponsor at #WeAllGrow Summit 2019!

As an entrepreneur, you always want to be ready to pursue the next opportunity—no matter where it takes you. That’s why, when the world is calling, Delta and Aeromexico help you answer. Together, they’re opening more doors for over 5 million passengers per year. What’s more, the Socios SkyBonus® Program—exclusively for small to medium companies—allows you to earn points towards travel perks like upgrades and flights no matter who you fly with. For more information about the Socio Sky Bonus program, please contact: SociosSkyBonus@delta.com.

Thanks to our partnership with Delta and Aeroméxico, we are opening up applications to select 10 Latina Makers to attend the sold-out #WeAllGrow Summit 2019 in Long Beach, CA and Delta and Aeroméxico will take you there!

The Prize

The 10 selected Latina Makers will receive the following:

  • One ticket to our sold-out #WeAllGrow Summit and Wellness Day 2019

  • One $400 Delta flight voucher (if local, you still receive the flight voucher)

  • One vendor table on the Latina Makers Market exhibit space at #WeAllGrow Summit 2019

  • Promotion as one of the official Latina Makers Market 2019 vendors

Note: Vendors will be responsible for set-up, manage and tear-down of their space during the Latina Markers Market hours on May 31st and June 1st. Hotel accommodations are not included.

How to Apply

If you are a Latina Maker interested in having an exhibit space to showcase your work at the 2019 #WeAllGrow Summit, submit an application by February 6, 2019!

APPLY HERE!

Once the application period ends, we will select from the full list of applicants a curated list of 20 semi-finalists. If selected, you will receive notification from our team with additional details before confirming your participation as a semi-finalist.

Voting Process

Starting on February 19, 2019 the #WeAllGrow community will be invited to vote for their favorites from the 20 semi-finalists.

The 10 finalists, based on popular vote, will be invited to participate in the Latina Makers Market on May 31 and June 1st, 2019 in Long Beach, CA.

Latina Makers selection and notification will come the last two weeks in February 2019. Full terms and conditions here.

APPLY HERE!


Webinar 019 Recap: Increasing Your Net Worth Inside and Out

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Join Eva Macias as she talks us through how to increase our net worth from the inside out. Eva is a powerful leader and sought-after speaker in the financial industry. She specializes in helping women create a “simple-to-follow” financial plan in 60 minutes or less.

Here's a brief recap of what Eva covers in this webinar:

  • Why it is so important to manage your finances with confidence. 

  • The common mistakes made in your finances that take a huge impact on your wealth. 

  • Key Elements to declutter your finances.

  • How to address the root of money/spending by asking yourself key questions about your money habits.  

  • How to plan for all the future milestones in your life. 

  • How your net worth impacts your self-worth. Learn to invest in YOU first without guilt.

Bonus:

  • Q/A with live viewers.

  • Free download of Eva Macias’ book: "A Latina's Guide to Money."

If you missed the webinar, don’t worry. We got ya! You can watch the replay for free until the end of day on Thursday, January 31st or you can watch it for $4.99 anytime thereafter.

WATCH THE REPLAY HERE!

Want more webinars like this one that you can access for FREE all the time? Join CHANGEMAKERS Collective, our members-only hub, where you can get webinars like this one, ebooks and so much more as part your membership

Automate Your Money So That Your Money Can Get To Work

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Whether you get paid every two weeks or on a monthly basis, regularly setting aside money for a savings account, emergency fund, dream vacation or a retirement fund can feel nearly impossible on limited cash flow. It is no wonder that investing often takes a back seat to the other life obligations. Many people fall into the habit of saving only what is left over from paying living expenses and covering the price of discretionary purchases. But making the shift to paying yourself before paying all others is a tactic with the power to transform your current financial wellbeing. Even if saving money is not your strong suit, you can still get ahead in the savings and investment game. The easiest way to save and invest more money? Put them on autopilot.

Perks Of Putting Your Saving and Investing On Auto

Automating your savings and investments can turn your deposits into another monthly expense helping you prioritize those contributions while reducing the temptation to spend the funds. Turning your contributions into a recurring monthly expense also means you don’t have to keep spinning your wheels about how much you should save, when to make the deposit or transfer and whether you are meeting your savings goals. Automation frees you up to focus on other things. Having your contributions transferred as soon as your paycheck hits your bank account also means that you’re making the commitment and will hold yourself accountable for honoring those deposits month after month. When automating your savings and investments, remember to always pay yourself first.

If you’re determined to pay off student loans, credit card balances and other debts, automating monetary contributions into an account specifically for that debt can help accelerate the pay off in a big way.

How to Effectively Automate Your Funds

There are several ways to automate your savings but it all starts with calculating how much you can reasonably afford to set aside each month. Once you have a grasp on those numbers, you can decide how aggressive you want to be with your savings and investment goals.

If you already have a bank and want to automate your finances, you can set up an automatic deposit from a checking account to a savings or investment account. If your employer offers direct deposit, you can have a portion of your paycheck deposited directly into any additional accounts of your choosing. While some banks offer to waive monthly maintenance fees if you keep a minimum balance, always be mindful of bank fees that can chip away at your saving and investing efforts. And always keep your money safe and protected by banking only with FDIC-insured banks.

Be In It to Win It

If you want to increase your chances of staying consistent with your savings and investment contributions, start small and then increase the deposit amount when you feel confident that you can set aside more without sacrificing other necessities.

Start small. Just save something and save that something every paycheck. Even if it’s $10. Make it a habit to automatically (and automatically is key) set aside a fraction of your income into interest-generating accounts. While you’re at it, take a hard look at how you’re spending. Are there some expenses you can cut? Can you negotiate your way to a discount with some of your expenses such as cable or your gym membership? Track your spending on an ongoing basis to see where you may be going overboard and can cut back. Don’t underestimate the momentum that can come from sealing some spending leaks that can really add up.

Set It and Forget It Until You Make More Money

A positive change in your financial situation such as a raise at work, a windfall of cash, a lump sum from a tax refund or a birthday gift means that it may be time to modify your original plan.

Ojos Que No Ven, Monedera Que No Siente

Automating your savings and investment contributions can make money management and crushing your financial goals that much easier. Take the time to set some realistic goals and choose monthly contributions that you can sustain through the year. You’ll find it easier to adjust your spending to accommodate for this expense while building up your accounts with minimal effort.

Take the Next Step

Now that we’ve introduced automation as an option that can make it possible to save and invest, even without much cash to spare, the next step is to jet set your own financial journey right where you’re at. Whether you’re off to the drawing board to devise your own debt demolition plan, taking a pause to check back in with yourself in order to chuck the limiting beliefs, actively putting Google to work in your search for the ideal financial advisor, or making the necessary moves to get your money flowing into the right receptacles, remember this timeless Chinese proverb:

"A journey of a thousand miles begins with a single step"

All great accomplishments begin with inspired action, no matter how small it may seem.

To learn more about this and other money tips, download our FREE ebook “How to Become a Confident Inversionista and Start Making Your Money Work for You” made in collaboration with Ellevest.


“Fiduciary” Might Become Your New Favorite F Word

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When navigating the tumultuous waters of investing your money, you don’t have to go it alone. Choosing the right financial investment team and platform (aka your ‘F’ buddies) is a money move that can be a smart idea. There are a lot of options out there for both the DIY-er and for the ambitious babe looking for one-on-one help. When it comes to choosing who to trust with your dinero, these are some highly advisable practices to consider:

1. Choose a fiduciary.

A fiduciary is a company or organization that is legally bound to do right by their clients. Beware as all brokers or investment firms don’t always fall under this umbrella! Make sure to ask this critical question before entering into legally binding contracts with any one firm: Are you a fiduciary? If you find a fabulous firm that is an absolute must to work with but isn’t fiduciary, make sure that they can and will put client security and well-being above corporate gain. Err on the side of caution and consider solidifying contractual obligations with financial fiduciary friends that have already made the pledge to act responsibly and intelligently on your behalf. In life and in money, search for F buddies that have your best interests at heart.

2. Know your firm’s plan of attack for your investment

Talk to any potential firm about their strategy for investments. Some firms craft personalized portfolios that you can have a hand in curating. Others use a formula and automated system for choosing your investments. Every firm and platform is distinct, so make sure that the firm you set your sights on uses a strategy that resonates with you and has protocols that you can easily understand. In the past, most robo-investment platforms utilized investment algorithms based on a man’s salary projections and career lifetime, often discounting or ignoring the unique elements of a woman’s career. Not exactly the most conducive to female financial goals! Luckily, investment firms such as Ellevest aim to better serve women’s needs by using an algorithm tailored specifically to women’s incomes and life cycles.

3. Consider your pocketbook

Examine the minimum balance requirements and fees closely for any platform or firm that you may be considering. If you are working within tight budget constraints, it is worthwhile to choose a firm that can get you started with a minimal initial investment.

4. Look for firms that support women.

While women investors are steadily on the rise, there is still a substantial gap between the number of men and women in the investments market. Empowered women empower women and making sure that you choose a firm that understands the unique challenges a woman must face in her lifetime will result in a more accurate forecast for your financial future. Does your potential financial firm support women in a positive manner? While the answer to that question may not directly influence the returns you receive, choosing a firm or platform with a pro-women mindset is a win for parity and financial equality in the future.

Knowing how to qualify the financial friend and ally that will walk alongside you as you tackle the very important business of investing ensures that you can begin to invest with the confidence that comes from having a squad that has the knowledge and experience to take you and your finances to the next level.

Take the Next Step

Once you have your squad locked down, it’s time to execute! They say knowledge is power but knowledge is only potential power. It’s in the execution of that knowledge where your true power lies.

To learn more about this and other money tips, download our FREE ebook “How to Become a Confident Inversionista and Start Making Your Money Work for You” made in collaboration with Ellevest.


Take an Interest in Interest

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Authored by Sallie Krawcheck of Ellevest, the article entitled, 4 Things To Do Before Investing puts forth four essential actions a potential investor must take before taking the big leap into the investment world. Ranking in at number one, Krawcheck advises that all potential investors first, “…pay off any high-interest rate debt you have before you do anything else. So no passing go, no collecting $200 until you've ditched the debt. We're talking about credit cards or double-digit interest rate loans here.” While it can be tempting to hang onto debt while attempting to grow your money, it is crucial that we take a closer look at the true cost of debt.

In a 2014 poll conducted by Gallup, it was found that about half of American credit card users sometimes carry a balance on their cards. If you’re one of those millions of users, you’ve borne witness to the interest charges that can accumulate on your monthly card statement. Searching out the current interest rate of each of your credit cards is a powerful first step towards knowing whether interest has taken a favorable or adversary role in your own financial life. For that, let’s examine what credit card interest really is and how it is calculated.

Insight into the World of Credit Card Interest

Credit card purchases are subject to a standard interest rate called the Annual Percentage Rate, or APR. This number varies from card to card and person to person depending on factors such as credit scores. Your APR is treated on a yearly basis but charges are calculated monthly. Just like “miles per hour” measures speed over an hour, APR measures interest over the time period of a year.

To find out how much interest you’re paying on your credit card balance each day, try this formula:

Convert your APR to a daily percentage rate by dividing your APR by 365 (the number of days in a year).

At the end of each day, card issuers multiply your current balance by the daily rate to come up with your new daily interest charge. That charge is then added to your balance the next day, a process that is referred to as compounding.

Here is a more visual example:

Credit card = APR of 15%

Daily rate = .041096%

Your balance = $1,000 (at the 15% APR standard interest rate)

New balance after interest is added from the previous day = $1,000.41 (plus any additional purchases and minus any new credits or payments).

This same process occurs each day until the end of your monthly statement cycle. If you begin the month with a balance of $1,000, that balance then becomes $1,013 when interest charges are applied at the 15% APR.

Insights to also consider:

  • Separate interest rates and charges can apply to cardholder’s cash advance balance and balance transfer balances.

  • Many credit cards impose a higher penalty interest rate when cardholders fail to make payments.

  • Certain credit cards (particularly store cards) have an "intro period" of 0% - as long as the ENTIRE balance is paid off before the end of the intro period. If even a tiny balance remains at the end of the intro period, then all the accrued interest you would have otherwise paid at the higher non-intro rate would be charged to you.

  • Most credit card variable interest rates can change with the Prime Rate. The Prime Rate is an interest rate that is three percentage points above the federal funds rate, which is set by the Federal Reserve Bank. Because this interest rate can increase, the cost of credit can also dramatically increase.

Crunch Your Numbers

With this formula in mind, what price are you paying for the credit cards in your wallet?

The Silver Lining of Credit

One of the few phenomenal things about credit card interest is that credit card companies usually grant borrowers a grace period. If a grace period applies to your own credit card, the issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. Conversely, if as a cardholder, you fail to pay the entire statement balance, or don’t make the payment in time, you have then forfeited your grace period and the interest charges will typically roll into the next statement. *Always check your card member agreement for details specific to your account.

Remembering these facts and figures of credit card interest can empower you and give you a greater understanding of how interest can be hurting or helping your own financial situation.

Keep More of Your Money

Credit card interest is the principal way in which credit card issuers generate revenue. By making more informed decisions when it comes to the pros and cons of utilizing credit, you are better able to keep more of your money in your own pocket.

Compound Interest Can Be a Great Friend

On the flip side of credit card interest is the interest that can work in your favor to grow your money by earning interest on your interest. One of the most common ways to earn this type of interest is by depositing funds into a savings account that will generate interest on that money. Take this for example:

If you deposit $1,000 set to earn 2 percent a year in compound interest, at the end of year one, you would end up with $1,020. For year two, you would earn interest on the entire amount, so you would end up with an extra $20.40, instead of $20. That money would then be added to the total, for $1,040.40. If you didn't add any money, letting it sit for 40 years, you would end up with $2,208.04.

Is Interest Helping Or Harming Your Financial Life?

As illustrated by the various example of compound interest, this is a mathematical unicorn that can be your greatest ally when it is working in your favor in either retirement, savings or investment accounts. On the contrary, it can prove to be your greatest adversary when it’s in the form of private student loans, personal loans, or unpaid credit card balances.

Take the Next Step

Assessing your current financial situation and taking stock of your numbers in relation to interest serves as an indicator to the appropriate money moves that you can make to more effectively accelerate your financial journey.

Since credit cards generally have significantly higher interest rates than savings or investment accounts, it is often advised to tackle these balances before jumping into the investment game.

Once you have done the work of crunching out your own facts and figures in the money department, knowing who to trust with that money can be an easy decision when you know what to look for.

To learn more about this and other money tips, download our FREE ebook “How to Become a Confident Inversionista and Start Making Your Money Work for You” made in collaboration with Ellevest.


Men May Run the Investing Game but Research Shows That Women Are Better At It

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One of the most harmful beliefs that has held women back from investing in the past is the belief that men are better investors than women. This is a belief that you might have also held at some point but the good news is that scientific research has come to conclude that it’s quite the opposite! While the trading floor may be overrun with men, it is the women that are primed to excel at the numbers game.

At first glance, the numbers may not look all too encouraging. "Women are nearly 50 percent of the workforce, yet still only represent less than 25 percent of the investment industry," says Kathleen A. Grace, managing director at United Capital based in Boca Raton, Florida. While those figures are nothing to get excited about, a decades-long study conducted by Terrance Odean at the University of California, Berkeley has found that "single female investors outperformed single men by 2.3 percent, female investment groups outperformed male counterparts by 4.6 percent, and women overall outperformed men by 1.4 percent.” What a liberating set of findings! With mujeres excelling points above their male counterparts, investing “like a man” can actually prove detrimental to a woman’s financial future.

Embrace the Differences

The behavioral differences that exist between how men and women invest has long been a deterrent to a greater influx of female investors. Yet, studies have shown that women more frequently opt for long-term, diversified investments that result in increased financial success while male investors often strive to beat the market resulting in actively trading away investment gains in the process. With this type of data on our side, women can begin to ditch the pressure to emulate the investment traits of men and instead embrace the value that her approach brings to the table. For women, it is vital to understand that men aren't inherently better investors, they are just far more confident in their approach.

Investing Can Be a Test of Confidence

Great confidence is necessary to embark on any great feat and it is that confidence that can catapult most men to get into and stay in the investment game. Conversely, it is a lack of confidence that keeps a lot of smart and savvy women out of that very same playing field ultimately wreaking havoc on her financial security. On average, women are likely to live 3 to 5 years longer than men and with this longer life expectancy at play, it becomes essential for a woman to take on a more active role in her financial well-being long before those golden years arrive.

Power in Truth

Dispelling the myths that perpetuate investment intimidation for women is a critical step towards seeing and experiencing greater inclusion in the investment industry. As a woman reading this now, you are part of the phenomenal group of women taking ownership of their money and simultaneously changing the financial landscape for all women. You go, mujer!`

Take the Next Step

Now that we have set the record straight on some of the myths that have chipped away at a woman’s confidence as a potential investor, let’s build upon that new-found confidence by taking inventory of personal finances, including any money-generating assets and money-draining liabilities to gain a greater overall picture of where you are at and where you can best focus your financial efforts.

To learn more about this and other money tips, download our FREE ebook “How to Become a Confident Inversionista and Start Making Your Money Work for You” made in collaboration with Ellevest.


Announcing #WeAllGrow Storytellers 2019, presented by WordPress.com.

Submissions Are Now Open!

WordPress.com Storytellers 2019 Announcement

Every year since 2015, #WeAllGrow Summit has hosted six incredibly fearless mujeres to share their stories on the Storytellers stage. With their stories of courage, resilience, leadership, generosity, and growth they made us feel compassion, empathy, empowerment, sisterhood, y mucho más deeply in our souls.

As we celebrate the power of Latinas as the driving force in this country at #WeAllGrow Summit 2019, this year’s Storytellers will be bold, loud and powerful!

We’re thrilled to introduce WordPress.com as our official Storytellers sponsor for #WeAllGrow Summit 2019!

DO ANYTHING

What would you do if you could do anything? WordPress.com helps people turn their great ideas into better realities - whether it's chronicling their travels, starting a new business, writing a news site, or sharing their passion. During #WeAllGrow Summit 2019, our Storytellers will share their “Do Anything” stories and show us how the feeling of limitless possibility drives people to change the world.

We’re so excited to welcome a new group of fantastic Storytellers, and that could be YOU! Are you ready to become a beloved #WeAllGrow Storyteller?

THE DETAILS

The six selected Storytellers will attend #WeAllGrow Summit and Wellness Day 2019 courtesy of WordPress.com. That’s right - if selected you will attend our sold-out Summit with an all-expenses-paid experience. This includes two conference passes, round-trip airfare for one, and a three-night stay at Hotel Maya. We’re not done, though! Every one of the six hand-selected storytellers will be able to invite one blogger/creator friend to receive a conference pass to #WeAllGrow Summit and Wellness Day 2019 and three nights in a shared room with you at Hotel Maya!

Per tradition, the amazing Kathy Cano Murillo (the one and only Crafty Chica) will be back as our host, and she’ll also provide coaching via video conferencing in the weeks leading up to the Summit. She’s inspiring, helpful, and a storyteller in her own right! Storytellers would not be the same without her.

Winners will be chosen by a panel of judges comprised of the WordPress.com team, Kathy Cano Murillo and #WeAllGrow Latina Network. So, what are you waiting for? It’s time to start brainstorming those pitches and submit! Deadline to submit is Wednesday, January 23rd at midnight PST.

Below find all the details and breakdown of the process. ¡Buena suerte, amigas! We can’t wait to feel your stories!

THE PITCH

  • Main topics to focus on. Note that we will only consider pitches along this topic:

    • Do Anything - how the feeling of limitless possibilities and being able to "do anything" is one of the biggest traits Changemakers possess. Share the moment you realized you could do anything, and how that drove you to make a change.

  • Stories must be original and true

  • 1 to 2-minute video pitch sharing only the main arc of the story.

  • Stay away from wide topics like "the story of my life" or "how I became a blogger" or “why I launched my business” and narrow it down to a very specific moment or anecdote that leads to your story of “Do Anything.”.

  • Video pitch must be uploaded to YouTube or Vimeo (as Unlisted is fine) and link shared for submission.

  • Note we are not looking for a professionally produced video. We’re only judging the quality of your story as it will be told on stage.

  • Can be bilingual, but at least 80% must be in English

  • You may submit as many times as you'd like

THE DEADLINE

All pitches must be received via the online form by 11:59 pm PST on January 23rd, 2019. Full terms and conditions here.

SUBMIT YOUR PITCH

Second Act with Jennifer Lopez

A big thank you to THE MRKT team for inviting #WeAllGrow to attend an exclusive roundtable discussion for the new film “Second Act” with the one and only Jennifer Lopez, yes as in J.Lo aka Jenny from the Block, actress Leah Remini and director Peter Segal. See the trailer below;

“Second Act” is a rom-com, romantic comedy, that follows the story of Maya Vargas, played by J. Lo. Maya is a woman in her early 40’s who gets a second chance in life to pursue her career goals and in the process she reinvents herself.

Despite the challenges and obstacles Maya has to overcome in both her personal and work life she pushes herself to grow. This is such a powerful message for mujeres of all ages and career levels who want to take the leap and follow their dreams. Not only does this message resonate with Latinas, seeing J.Lo as the protagonist – a Latina who has pushed herself in every way – is even more inspiring for our community.

You won’t get any spoilers here, but let’s just say J.Lo and her character, Maya, embody the true meaning of #girlpower, #goals and the #WeAllGrow philosophy!

When asked about the message behind the film this is what J.Lo had to say;

“It’s just about finding your passion and your talent and putting it out there. And that is what the movie is about. Understanding that the only thing holding you back is not that you don’t have a degree, it’s you.”

And without revealing too much because we promised no spoilers, the film is guaranteed to make you laugh, and yes, there are quite a few “aww” moments. Oh, and J.Lo’s real-life bestie, Leah Remini, also stars in the film, alongside the talented Vanessa Hudgens and heartthrob, Milo Ventimiglia!

Some last words of inspiration from the Queen of the Bronx;

“You can accomplish whatever you want to accomplish. You need only work hard at it and not give up. The people that don’t succeed are the ones who give up. The people who succeed are the ones that never did.”

“Second Act” opens in theaters this Thursday, December 20th! So grab your amigas and/or significant other and make your way to a theater near you!

Yes! That’s Jennifer Lopez in the middle and Leah Remini in shades!

Yes! That’s Jennifer Lopez in the middle and Leah Remini in shades!

An inside look from the Billboard Latin Power Players Event with #VidaLexus

Billboard Latin Power Players Event with Lexus

Last week, Lexus sponsored the first Billboard Latin Power Players event in Miami, FL, which showcased the top players in Latin entertainment. A group of Latinx influencers attended the event and got a close look at the first-ever Lexus ES!

With masterfully crafted details and inspiring performance, the Lexus ES is crafted to command the spotlight. Take a peek at the influencers’ coverage from the event below and follow the #VidaLexus hashtag for more.


Discover the Benefits of Tennis and How #TennisOpensDoors With Net Generation and the USTA

Imagine all the lessons and new skills our kids can acquire from getting involved in a new sport. Tennis is a fantastic sport that offers a great number of benefits for the entire family and, unlike popular belief, it is a sport that is accessible to everyone. ¡El deporte es una maravilla!

We have partnered with USTA and a group of influencers to showcase all the opportunities that come from playing tennis and how those opportunities benefit children and their families on and off the court.

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Carla Gutierrez - Notas de Mama

“Los instructores de Net Generation se especializan en trabajar con niños. Desde la primera clase mi niña de 4 años (que nunca había jugado tenis en su vida) ya estaba golpeando la pelota y estaba muy concentrada en la clase. La paciencia metodología y paciencia del instructor es pieza clave en la enseñanza de un nuevo deporte.”

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Ursula Herrera - Creative Healthy Family

“From getting a good workout to bonding with your family and friends, to traveling and even the possibility of getting a college scholarship, this wonderful sport has a lot to offer.”

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Romina Tibytt - Mama XXI

“El tenis, es un deporte accesible para todo el mundo. Hay que sacarse la idea de que es exclusivo para ciertos sectores, y en la actualidad se pueden encontrar escuelas o clases de tenis hasta en los parques públicos.”

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Laura Rodriguez - Mama Especial Cuenta Conmigo

“El tenis es un deporte donde la concentración es fundamental, por eso se practica en silencio, esto nos lleva a valorar el respeto desde otro nivel, uno aprende a respetar el rival, las reglas, la cancha, el profesor y el árbitro. Yo creo que este es un valor tremendo para nuestros niños, incluso a temprana edad.”

To find out more about how to sign up for tennis lessons, visit the Net Generation website.


St. Jude and Domino’s Pizza Thanks and Giving® Halloween Bash

With Halloween around the corner, we joined St. Jude Children's Research Hospital and Domino's Pizza to co-host a Thanks and Giving® Halloween Bash for Dallas area influencers to celebrate the launch of the fundraising campaign.

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The St. Jude Thanks and Giving campaign — created by Marlo, Terre and Tony Thomas, the children of St. Jude founder Danny Thomas — is an annual tradition with tremendous public support for the hospital’s lifesaving mission. Domino’s Pizza, a 15-year partner with approximately 5,600 participating locations, has raised more than $47 million for St. Jude primarily through its participation in the St. Jude Thanks and Giving campaign. Domino’s led the way in raising funds in 2017 by raising a company record of $9 million for the kids of St. Jude, including a special St. Jude Meal Deal during the campaign, which included a $1 donation to St. Jude.

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Kicking off in November and running through the end of December, St. Jude Thanks and Giving is an unprecedented union of celebrities, media, retail and corporate partners that asks consumers to donate while they shop to support St. Jude.

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For our event, Zuleyka Rivera joined us and inspired us to be thankful and donate while she told us more about why St. Jude's mission is so important to her. We also enjoyed seeing Zuleyka have this beautiful connection with Katherin Aristondo as she expressed how much she’s learned from her strength and bravery. Katherin is a cancer survivor that joined us for this event and that during tough times received support from St. Jude. She is now healthy and strong thanks to the wonderful work at St. Jude and the many donations received. Meeting Katherin reminded us that this holiday season and always we should give thanks for the healthy kids in our life, and give to those who are not. Agradece la salud de tus niños y ayuda a aquellos que no la tienen.

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How can you join St. Jude and Domino’s in fighting childhood cancer? ¡Es muy fácil! Everyone can help raise funds that are vital to the research and treatment taking place at St. Jude by visiting participating partners like Domino’s during November and December or donating directly at stjude.org.

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Special thanks to these Latinx entrepreneurs and makers for helping us make this an extra special and memorable event for a beautiful cause:

House of Biel

CocoAndré Chocolatier

You and Mille

Ms Patty Cakes Nails

Viva Greetings

Follow #DPZgivethanks on Instagram for more.







Webinar 018 Recap: How to Reprogram our Thoughts, Words and Actions for Success

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We create our reality with every thought and uttered word. Why not reshape this reality to one that suits our dreams and desires? Dive into the understanding of the “energy” that holds us back. Where it accumulates and how we can transform it into the highest of frequencies – in alignment with our dreams to manifest the greatness within us.

In this experiential webinar, led by Marcela Arrieta, you will learn a simple yet powerful technique to erase inhibiting and self-criticizing thoughts. Reprogram your consciousness with positive, uplifting and reality changing thoughts that will transpose into the right words and actions.  Get ready to transform and release the baggage that once held you back from achieving your dreams.  

Marcela Arrieta is a Pranic Healer and a successful entrepreneur. She began her Pranic Healing career in 2011 after experiencing a miraculous healing. Through her spiritual practice, Marcela was inspired to create Majestic Bliss Soaps – a company that produces vegan-friendly and holistic self-care products infused with life-force energy designed to help others find balance and calm in our fast-paced world. Just nine months after launching her company from a small corner of her garage she was picked up by Whole Foods Market, you can currently find her soaps in over 50 of their stores. 

Here's a brief recap of what Marcela covers in this webinar:

  • Learn how to identify self-sabotaging energetic patterns that hold you back from manifesting success.

  • Learn how the understanding of energy through the expression of thought, word, and action shape your reality.

  • How to train and transform your reality through a simple and easy to use technique.

  • How keeping your projects on a need-to-know basis increases its manifesting power.

  • How the use of the crown and heart chakras play key roles in your overall success.

Bonus:

If you missed the webinar, don’t worry. We got ya! You can watch the replay for free.

WATCH THE REPLAY HERE!

Want more webinars like this one that you can access for FREE all the time? Join CHANGEMAKERS Collective, our members-only hub, where you can get webinars like this one, ebooks and so much more as part your membership.