Health & Heels - Winter 2021-2022

More documents

Recommendations

Info

healthy finances WOMEN& FINANCES When I sat down to write this article I was going to start with “reasons why women should get involved in their personal finances,” but then it hit me: Why are women in 2021 not getting involved and self-educating? The answer obviously differs from one person to the next. Here are some first-hand responses I got from women over the past few years. By Etty Surkis Ignorance is bliss: “Let someone else deal with the financial burden.” Often this is said by women who have some embedded childhood trauma where money was poorly handled. For many, this “ignorance is bliss” approach works. A lot of the time it works well for many years. I have met some wonderful men/husbands who want to take care of their families and offer the ones they love complete financial peace of mind. Yet I have heard too many stories from women where it ultimately backfired. Serious illnesses, such as a stroke, can wreak havoc. Women have been in situations where they needed to make decisions due to a spouse being ill, yet they were ill-prepared and therefore couldn’t find important documents. This reminds me of a story my friend experienced. Her husband suffered a stroke, and she was going to spend Shabbos in the hospital with him. Since he could not communicate with her she went to the Finkelstein Memorial Library in Monsey to get some reading material. They asked her for a legal document/utility bill with her name and address on it in order to open an account. She had none. She was devastated. She left empty-handed but fully aware that she needed to make changes. I’ve had multiple widows call me in total shock after their husband’s sudden death. Clueless as to which bank they banked with, clueless as to which car insurance carrier they were using, and clueless as to the login info of their deceased spouse’s emails to retrieve information on bills being paid by autopay. One particular such scenario was a woman who was the breadwinner and her husband was a tremendous talmid chacham and was learning full time. While this woman was working very hard to make money, she had never been involved in managing the state of their finances. There are divorced women who reached out to me. Their world and dreams had just shattered, and they don’t know where and how to pick up the pieces. Then there’s this average young family that has a hard working, responsible household leader who made a business investment that didn’t go as planned and would wish to discuss it with their spouse/ wife without judgment. What comes to mind here is a very sweet couple I met with. The wife politely asked to excuse herself to give her husband space so he can honestly share their amount of debt without him being humiliated by her presence. I was in shock and said, “NO! He needs you here, specifically now! To gain your support! You are in this together and you will get out of this situation together!” My financial approach to every home is that it should be a shared experience. A wife can and should give financial encouragement, and couples should dream, build, and prosper together. Winter Issue 46 Not my role: It’s true that years ago, with lower standards of living, women were busier with everyday tasks that needed to be done at home. It was enough for there to be a single-income earner per family. It was usually the man of the house who went out to work and covered the household expenses and completed the financial transactions. At age 24 I experienced something that really made me think. I was in a bungalow colony that was collecting money for Chai Lifeline. A young child went knocking door to door for small donations. I, the last bungalow in the circle, saw the envelope was practically empty. Later that day when many ladies got together I shared my observation and was wondering why. I got a resounding response of “I need to ask my husband,” to which I then asked, “Did you ask your husband about buying Danishes in the morning when the bakery truck came by?” Raising a healthy family does not involve lines drawn in the sand; there are bridges that must be crossed if you are to have a balanced home. This includes not only chinuch but should also include critical life decisions like your finances. Today, with two-working-parent households and so many women in the workforce, I ask why should we stop there? For many it doesn’t stop there, but there’s still a long way to go to get every family aligned with their finances and values. There are times that I hear “it was my mother who set some money aside and secured a healthy retirement for herself, myself, and even for my children.” This is a great example for the future and should be the norm. Just not financially savvy: “I’m very capable and I work. As a matter of fact, I specialize in my line of work, but finances intimidate me.” This boggles my mind. The thought is that people spend thousands of hours a year earning money, but they won’t spend a tenth of those hours learning to maximize their financial potential or becoming money smart so their money should work for them as opposed to them working for money! Let’s get educated so we can be proactive planners and smart savers.
47 Good News Is… According to the Huffington Post, Warren Buffett invests like a girl. What? Doesn’t everyone know that men are better investors than women? Not if they read. When you really examine what we know about how men and women do at investing, we find that women do just fine at investing, both for themselves and for others. Women, like men, bring some gender-linked qualities to investing that can actually help. So when someone says Warren Buffett invests like a girl, what they mean is that he invests calmly, does a lot of research, and exercises a lot of patience. HEALTHY NEEDLES by Tehilla Hatanian DAC, M.S. Lac Doctor of Acupuncture At Healthy Needles we use Acupuncture, Cupping, Moxabustion & many more techniques to help you feel your best. healthandheelsmagazine.com These numbers may surprise you! *53,730,000 women work full-time year-round. *12,300,000 are women-owned businesses. They generate $1.8 trillion in revenues. *Let’s talk super consumers… Who are they? 40 million U.S. women aged 50 and over are called super consumers. They comprise the largest demographic of female workers earning $100,000+ annually. They control $15 trillion in annual purchasing power. They control 95% of household purchasing decisions. We Specialize in: post covid recovery pain management stress & anxiety headaches infertility treating men & women MAKE ACUPUNCTURE YOUR FIRST CHOICE NOT YOUR LAST RESORT Etty Surkis is the CEO of Excelsum Capital, a boutique financial services firm that provides multi-strategy financial solutions for a range of clients. Etty’s expertise includes individual and family budgeting, personal financial management, life insurance options, and retirement planning. Etty educates, guides, and supports her clients in achieving a disciplined approach to budget management and ensuring long-term financial stability. She has done lots of work with women from Sister to Sister as well as the Links organization. She can be reached at 718-964-7060 or at ettysurkis@gmail.com. For an appointment call 718.419.9563 592 Mayfair Drive South Mill Basin, Brooklyn LOCATIONS 93 Walcott Avenue Willowbrook, Staten Island Some insurances accepted. NF and WC accepted.
Page 2 and 3: The credit card processing company
Page 4 and 5: STAFF Tanya Rosen Editor In Chief B
Page 6 and 7: Meet the Writers Karen Behfar Malky
Page 8 and 9: letter from the editor Basya Kovacs
Page 10 and 11: The Inside Scoop How I Met Tanya BA
Page 12 and 13: healthy bodies TIPS FOR V Workouts
Page 14 and 15: healthy bodies Getting Back On Trac
Page 16 and 17: healthy bodies Super Bowl Tips The
Page 18 and 19: healthy bodies Let’s Get Cooking!
Page 20 and 21: healthy bodies CUCUMBER MINT MOJITO
Page 22 and 23: healthy bodies TWO NUTRITIONISTS
Page 24 and 25: healthy bodies A NARROW PATH My Wei
Page 26: is ticked off I feel a sense of acc
Page 29 and 30: Dear Basya, I was wondering why you
Page 31 and 32: healthy bodies Weight Loss News You
Page 33 and 34: ohealthy soul Of course my yetzer h
Page 35 and 36: all. And instead of the expected sm
Page 37 and 38: healthy soul and clarify what was j
Page 39 and 40: wellness & beauty Dressing head to
Page 41 and 42: Jen Sharbani Dear Miri, There are s
Page 43 and 44: wellness & beauty 02 03 I have, ka
Page 45: 45 healthandheelsmagazine.com
Page 49 and 50: a worker in your own business, you
Page 51 and 52: 51 healthandheelsmagazine.com Yael
Page 53 and 54: healthy finances Coffee A Candid Ch
Page 55 and 56: healthy finances We will get you ho
Page 57 and 58: RELATIONSHIP COACH SARA FREED Build
Page 59 and 60: The message was clear. It was someh
Page 62 and 63: healthy families The Dating Coach W
Page 64 and 65: healthy families Winter Issue Elana
Page 66 and 67: healthy families Cultivating a Trus
Page 68 and 69: healthy families Winter Issue ruchn
Page 70 and 71: healthy humor Horizontally Challeng
Page 72: Winter Issue 72

Health & Heels - Winter 2021-2022

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?