How much you’ll need in retirement savings by age 30, 40, 50 and beyond

Retirement savings of 10 times your annual income should be your eventual goal, according to Fidelity.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Appointed Interim CEO of Bed, Bath & Beyond, She is the First Black Woman to Head a Fortune 500 Company Since Ursula Burns

Meet Bed, Bath & Beyond’s new interim CEO, Mary Winston. She will be the first black woman to lead a Fortune 500 company since Ursula Burns stepped down as the CEO of Xerox in 2017.

Winston has a long career as an executive. Previously, she was executive vice president and chief financial officer of family Dollar Stores. In 2015, she was listed on Black Enterprise’s roster of the ‘50 Most Powerful Women in Corporate America.’

She’s also held executive positions at Giant Eagle Inc.; Scholastic Corporation; and Pfizer. Her career began as a CPA and auditor at Arthur Anderson & Co.

Just recently brought onto Bed, Bath, & Beyond’s board of directors Winston is taking the helm after the prior CEO Steven Temares, resigned. According to a report from USA Today, the retail brand is experience some tumult. It’s facing a decline in sales due to Amazon’s sales domination and had a round of layoffs earlier this year.

“Bed Bath & Beyond has a significant opportunity to drive value creation by building on its great brands and strong customer affinity,” said Patrick Gaston, Independent Chairman of the Bed Bath & Beyond Board via a press release.

“As the Company continues its efforts to improve its financial performance and enhance its competitive position, the Board determined that now is the right time to identify the next generation of leadership. We are fortunate to have someone of Mary’s caliber to serve as Interim CEO while the Board conducts a search for a permanent successor, and are confident in her ability to lead the Company forward during this transition period,” he added.

“This is an important time for Bed Bath & Beyond and we are committed to being the leading omnichannel retailer of choice for the home and heart-felt life events,” stated Winston also through a press release.

“Together with the Board, including the members of the Business Transformation and Strategy Review Committee, the leadership team and our more than 60,000 associates, I look forward to building an even stronger future for Bed Bath & Beyond. As we continue to review our business initiatives, we will be focused on driving continued margin improvement, enhancing the in-store and online experience, and accelerating our transformation to the benefit of our shareholders, customers and other stakeholders,” she said.

 

 

 

 

Career | Black Enterprise

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11 Tips for Delivering Great Presentations – Go Beyond PowerPoint

Have you ever sat through a boring presentation or have you ever stood in front of an audience and felt intimidated? Well, I definitely have and I also gave a presentation once where people actually were yawning and sleeping right in front of me and was so distracting and embarrassing but I swore to myself I would only give engaging interesting presentations. Along the way, I learned a few things and today, I want to share my 11 tips on giving a great presentation.

At its core, a presentation is always about sharing knowledge but you want to be engaging. The problem is people have really short attention spans and you have to capture it.

1. Build Your Presentation Around Your Audience.

That means you have to know who that audience is; ask yourself, what do they expect from you? Do they think you show up in shorts or in a suit? Even more importantly, ask what will they get out of my presentation? In our case, it’s hopefully some knowledge and entertainment value. Also, ask yourself, how do they dress and what do they find funny? Because if you can connect with them and their humor, you’re definitely a winner and they find you entertaining. Also in a professional setting, sometimes humor or storytelling can be frowned upon and you have to understand that, otherwise, your presentation may backfire hard. Your overarching goal in a non-professional presentation should be to entertain and engage the audience and just have like one major key point.

Photo courtesy: www.forbes.com
Photo credit: www.forbes.com

2. Focus On Your Core Message.

It is great to have three key points that underline your core message. Otherwise, if you overload your presentation, people find it hard to follow and won’t walk away with anything. Now, at the Gentleman’s Gazette, our goal is to help men to be gentlemen and so everything we do revolves around that topic. If there is something in your presentation that doesn’t support that key focus, simply leave it out.

3. Do Not Rely On Digital Software.

Don’t think of PowerPoint or Prezi or any other digital software to be your presentation. Your presentation is you and how you deliver it and how you speak. PowerPoint is just there to support you, therefore, your screen shouldn’t just repeat what you say, it should be different, it should be ideally funny, have pictures or videos that underline what you say and explain it. Also, don’t read what’s on the screen because your audience can do so much faster and rather have complimentary keywords that help them digest your information more easily.

Over the years, I’ve learned a fantastic rule of thumb is the 10-20-30 rule. That means, the presentation should be no longer than 10 minutes, you should not have more than 20 slides, and the font size should not be smaller than 30, that means bigger font, fewer words, no sentences, keep it brief so people can enjoy and understand what you’re saying all the while being entertained. Also, and this goes back to point number one, if you know your audience, you can style your presentation so it’s visually appealing to them which can be very important.

4. Do Not Script Your Presentation.

Doing so sounds too stiff, it sounds too boring, it’s really important that you use your natural language and that means you have to practice, practice, practice! For example, if you look at TED Talks, they’re not allowed to use a teleprompter or read notes. They simply have to internalize it and once you do that, you can really get through the core and just provide valuable stuff.

A light blue shirt for business casual with chinos and a blazer
A light blue shirt for business casual with chinos and a blazer

5. Dress The Part.

Again, that all starts with knowing your audience but also yourself. For example, showing up in a three-piece pinstripe suit with a bow tie at a Plumber union’s meeting won’t give you any props. So in general, wear something that’s a little bit more formal than what your target audience wears unless, of course, you yourself have a certain brand image. For example, I would always like to give a presentation in a suit or in a combination because we are about helping men be gentlemen and we think classic style is extremely important in accomplishing that goal. For example, if you’re in an office with a dress code, business casual, you probably want to add a blazer. That way, you look authoritative and it subconsciously sends the signal that what you have to say is of value.

Photo credit: www.ted.com/talks  - Cesar Kuriyama speaks at TED2012
Photo credit: www.ted.com/talks – Cesar Kuriyama speaks at TED2012

6. Start Strong.

This is the most crucial point of engagement. You want to start with a story, an anecdote, or a controversial question or quote that really gets you the attention of your audience. Just saying “Hello, everyone!” or “Let’s get started” is not the way to do it. Don’t be afraid to show vulnerability or maybe share something embarrassing because it makes you more relatable and people will root for you from the get-go. Again, look at TED talks, no one just rattles off their credentials and why they’re here in the beginning. They make it part of a story.

The story behind Halo Sleep sack is interesting
The story behind Halo Sleep sack is interesting

7. Tell Great Stories.

So first of all, what is a story? Actually, it’s very simple. It is a hero that overcomes an obstacle to reach a goal. The higher this obstacle, the higher the goal, the more compelling the story. Always keep in mind, people root for the underdog but at the same time, your story should always relate to that key focus you have in your presentation. Don’t be afraid to use another person’s or another company’s story if it supports your focus point.

For example, if you look at Halo sleep sacks and you look at their story, you’re much more compelled to buy the product. The father who invented that sleepsack did it because his daughter died of Sudden Infant Death Syndrome and he believes it may be connected to the fact that she had a blanket and suffocated from it. He had this obstacle to overcome that he wanted to keep the children from dying and so he created that sleep sack and he reached that goal with fewer kids dying now, all the while you feel really connected to him.

8. Aim For A Conversational Tone.

At first, you might think you have to sound authoritative or maybe very passionate and while that’s good, it really helps if you can engage with your audience and have a very conversational tone because that means you gage with them. For example, I never use a teleprompter because I feel it’s too stiff, it’s not me, and it’s just not the way I talk, therefore, I script it and I speak to the camera and if I screw up and trust me, that happens a lot more often than you think.

Make sure to proactively involve your audience

9. Engage Your Audience.

One of them is to make eye contact and while it may seem impossible, you can gaze through the room, you can go with your eyes from left to right, make sure you look people in the eye, however, more importantly, if you can engage your audience in a way that supports your subject matter, that’s really best.

For example, the other day, I was at a presentation where they talked about social pressure creating a diminished performance. Now, instead of just having it on the slide, what the person did was they put up a slide with numbers and it was like “9.32 “and “0.58” and you had to add things up so they would amount to ten. First, he just told the audience “Just do it in your head and figure out what two numbers are correct” then in a second step, he actually said down, the people who were still standing, they became more nervous, they became just not sure about it and then they would take even much longer to find the right answer and so it was very interesting because people really felt that when they had that social pressure they really would perform more poorly which was the subject of this presentation. So it’s always much better to make people feel in a certain way rather than just telling them.

Just own it and the audience will love you for it
Just own it and the audience will love you for it

10. Do Not Worry About Being Nervous.

Simply admit to it. Most audiences, especially larger ones, will expect you to be slightly nervous but if it’s something that’s hindering you, the best thing you can do is to acknowledge it upfront because that way, people will root for you because they can relate to you.

11. Give A quick Summary.

Give a quick summary of your presentation and highlight the major takeaway so people can at least walk home with that one thing that they can apply in their life.

How do you deliver great presentations? Do you have any other tips that we might have missed? Share with us in the comments section below!

Btw, you can get the brown shantung silk tie with green and off-white striped here.


Gentleman’s Gazette

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Beyond the Silicon Valley app economy: Tech’s best new ideas are not from California

As the most-hyped Silicon Valley IPOs like Uber and Lyft stumble out of the gates, the app economy fueled by billions in venture capital is looking vulnerable. And many of the best new ideas in tech are not coming from California.
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Bed Bath & Beyond shares jump after hedge funds call for overhaul

Investors loaded their carts with Bed Bath & Beyond stock Tuesday after a hedge fund triumvirate called for an overhaul of the board and an ousting of its chief executive. Shares climbed as much as 30 percent early Tuesday after three hedgies unveiled a slate of 16 candidates to replace Bed Bath & Beyond’s 12-person…
Business | New York Post

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UnitedHealth gives drug discounts directly to consumers in move beyond Trump crackdown

UnitedHealth says all of its new employer-sponsored plans in 2020 will pass discounts paid to so-called pharmacy benefits managers to consumers at the drug store.
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Beyond ‘Leaving Neverland’: Michael Jackson’s $20 Million Settlement With a 13-Year-Old Boy

Photo Illustration by The Daily Beast / Photo Alain Benainous/Gamma-Rapho via Getty

In May of 1992, just weeks before a world tour to promote his eighth studio album Dangerous, Michael Jackson’s car broke down. The 34-year-old singer sent his car off for repairs, and paid a visit to a nearby Rent-a-Wreck, a rental business in West Los Angeles. When the popstar arrived at the lot, looking extremely Michael Jackson in a black turban and sheer veil, the shop’s owner called his wife, and told her to rush over with her son, a 13-year-old boy named Jordan Chandler.

The boy had something of a history with Jackson––eight years prior, he had approached the singer in a restaurant for an autograph, leaving with a pair of free concert tickets and an obsession with Jackson that stretched into adolescence. When he met Jackson again in the Rent-a-Wreck parking lot, Jordan’s mother reportedly mentioned their backstory, asking the singer to stay in touch and offering up their family phone number. The following year, the boy would allege in court testimony that Jackson used that phone number to start a relationship of sexual abuse which lasted until July of 1993. The popstar denied the accusations, but eventually settled out of court for over $ 20 million.

This week, HBO released Leaving Neverland—a two-part, four-hour documentary on the allegations made against Jackson by two other men, Wade Robson and James Safechuck, who recount, in startlingly similar detail, stories of grooming and sexual assault at the hands of the singer while they were children. But largely absent from the documentary was the story of Jordan Chandler, the Rent-a-Wreck boy whose testimony was the first in a series of child sexual abuse accusations that would shroud Jackson in mystery and haunt his legacy long after he died.

Read more at The Daily Beast.

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Kamala Harris’ fakery goes far beyond her tall tale of toking to Tupac

When a politician lamely tries to fake being cool, it’s worth considering just how false he or she really is. The latest case is Sen. Kamala Harris. On a radio show Monday, she “confessed” to smoking pot in college: “And I inhaled.” Asked if she was listening to weed-loving Snoop Dogg at the time, she…
Opinion | New York Post

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4 Life-Lifting Books for 2019 Beyond ‘Becoming’

I don’t know a woman who doesn’t have Michelle Obama’s memoir, Becoming, and isn’t following her tour, whether up close or via Twitter. Never has a book been more heavily hyped, analyzed, and quoted — and it has paid off. Even Oprah must be thinking, ‘Daaammn!’ Like Lady Michelle, we are all always on the road to becoming our best imagined selves and great books can help us get there. Here are four life-lifting books for 2019, that I encourage you to take along for the ride.

 

Go back in time with Zora

Barracoon: The Story of the Last “Black Cargo” (Amistad/HarperCollins Publishers) is a first-person history of Cudjo Lewis, the last known survivor of the last slave ship to make the transatlantic journey. Painstakingly transcribed in his own dialect, it requires an attentive reader.

books for 2019

If you’re shaking your head no to another slave story, here are three reasons to at least try this one:

For starters, Cudjo’s story is recounted by the magnificent Zora Neale Hurston, who interviewed him at his home in Plateau, Alabama, over the course of three months in 1927. We often forget that Hurston was not only a great writer, she was a trained anthropologist, and to read this is to experience all parts of her intellect, interests, and cultural contributions and to see her in a new light.

Reason two: the brief, but illuminating, foreword by Alice Walker who begins with a warning: “I’m not sure there was ever a harder read than this.” But she goes on to note how universally Cudjo’s storytelling resonates, bringing to life “the nobility of a soul that has suffered to the point almost of erasure, and still it struggles to be whole, present, giving.”

Finally, there is incredible importance in this story itself. We are a people who suffer from so much lost history. Hard as it may be, we are strengthened by learning all we can, and sharing it.

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Open your brave heart

Have you heard of Cleo Wade? As a creative – through storytelling, public art, and community building largely on social media – she has been noted above all as a poet and influencer. If you haven’t heard of Wade, it’s time you do.

Peppy, motivational, inspiring and relatable, her book, Heart Talk: Poetic Wisdom For A Better Life (37 Ink/Atria Books, Simon & Schuster) is easy to read in quick bursts, each of which will leave you feeling a bit lighter, and brighter, and braver.

books for 2019

It’s dedicated to “every human being,” opens with a letter to “Dearest You,” and ends with a highly quotable poem that goes on for 17 pages. It says, in part: “I see that the clearest route to bliss is to be alive while you are here to be with yourself in a love so deep the oceans get jealous and even outer space wants to be inside.”

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Are you enough?

Self-help books almost always have catchy titles and tap into something that makes total sense. But a few pages in we may become lost, or bored, or not wanting to be preached to, worked over, or challenged. That list is already, too, long.

That could be why “The 7 Laws of Enough: Cultivating a Life of Sustainable Abundance,” drew me in.

books for 2019

Although the book covers some well-tread territory, (“You are enough. You do enough. You have enough, already,”) the idea of sustainable abundance feels like a worthwhile goal and the calm, compassionate tone of its co-writers Gina LaRoche and Jennifer Cohen will keep readers engaged. So does the book’s super-digestible 7 laws, a favorite is #5: Resting is Required.

Like any self-help tome worth its weight (this one is blessedly light), there is homework at the end of each chapter — lots of suggested journaling, reflecting, and inventory-taking designed to break unhelpful habits.

“Reading isn’t enough,” the authors note in their intro. “You must make an everyday practice of being who you wish to be, and living how you wish to live.” Practice is code for a committed vigilance to changing the habits and thinking derailing your joy.

“This is the gym of your life,” they write. “We invite you to a lifetime membership.”

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Join the Black Girl Cook Club

For an anthology of 2018 writings by black contemporary black woman authors, look no farther than Well-Read Black Girl: Finding Our Stories, Discovering Ourselves (Ballantine Books). Compiled by Glory Edam, the young visionary bookworm who founded the Well-Read Black Girl book club, the book is unique for its celebration of black women writers by 21 avid black woman readers who became gifted writers themselves. Their essays, prompted by the question, “When did you first see yourself in literature?” are thoughtful and intimate. Their responses, writes Edam, do more than pay homage to their role models, “They reveal what influences their craft, drives their curiosity, and defines their legacy.”

books for 2019

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The post 4 Life-Lifting Books for 2019 Beyond ‘Becoming’ appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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New Year’s Day Sales for Workwear and Beyond!

New Year's Day Sales for Workwear

Happy New Year’s Day, guys! May you have an absolutely wonderful 2019. I thought I’d start an open thread and do a sale round-up… have you found any great deals? I keep buying things from the Nordstrom Half-Yearly Sale, and the other sales I’d hit first are in bold below. 

  • 6PM.com – New Year’s Sale, lots for $ 20.19! 
  • Amazon – Coats under $ 50, dresses under $ 25, boots under $ 50… lots of options! 
  • Ann Taylor – Extra 60% off all sale styles, 40% off full-price styles.
  • Ann Taylor Factory – End of season sale, lots for 50%, 60%, and 70% off! Must have sale styles starting at $ 17.99.
  • Anthropologie – Winter tag sale — now an extra 40% off sale items!
  • Banana Republic – Today only, extra 19% off, plus three more can’t miss deals. 
  • Banana Republic Factory – Up to 75% off original prices!
  • Boden -Further reductions, up to 50% off sale!   (Don’t forget to check out our recent roundup of how to build a work wardrobe at Boden!)
  • Brooks Brothers – Semi-Annual Sale! Up to 40% of limited time value end January 2. Through January 1, get an extra 15% off.  
  • Dillards – New Year’s Day Clearance, save an additional 50% off!
  • Express – 100s of new styles, take an extra 40% off clearance for up to 70% off!
  • J.Crew – Extra 60% off all final sale styles!
  • J.Crew Factory – Extra 60-70% off clearance! Online only. 50% off everything else. 
  • Last Call -Extra 30%-80% off everything! 
  • L.K. Bennett –  Up to 70% off! Tons of great markdowns for work. 
  • Loft – Mystery flash sale — check to see what YOUR crazy-good deal is.  (Mine was 50% off everything.) 
  • Neiman Marcus – Last Call Winter Sale, up to 70% off!
  • Nordstrom – Half-Yearly Sale! Save up to 50% through January 2. See our favorites from the sale here
  • Reiss – Further reductions, up to 50% off!
  • Talbots – Happy New Year’s Day Sale — now an extra 50% off markdowns! (Don’t forget to check out our recent roundup of how to build a work wardrobe at Talbots!)
  • Victoria’s Secret – The semi-annual sale — 40-60% off 2000+ styles. 
  • Zappos – The Winter Sale Event! Huge selections from MICHAEL Michael Kors, Calvin Klein, Free People, Frye, and Kate Spade New York (100s of options!), and lots of other good options from 1.State, Aerosoles, Aldo, Adrianna Papell, Anne Klein, Aquatalia, Blank NYC, Born, Botkier, Coach, Clarks, Cole Haan, Cosabella, Dansko, Dooney & Bourke, Dr. Scholl’s, Fly London, Free People, Hue, Hanky Panky, Jag Jeans, Kut from the Kloth, Karen Kane, Lodis Accessories, Marc Jacobs, Miz Mooz, Nic + Zoe, NYDJ, Naturalizer, Nine West, Paul Smith, Rieker, Rockport, Salvatore Ferragamo, Sam Edelman, Stuart Weitzman, Ted Baker, Three Dots, Under Armour, and ZAC Zac Posen. Try this link to already be limited to those above brands for women, then limit by size from there… 

Image via Stencil. 

The post New Year’s Day Sales for Workwear and Beyond! appeared first on Corporette.com.

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Altria looks to a future beyond cigarettes but investors aren’t cheering its $15 billion bet

Altria has paid a total of $ 14.6 billion for a hand in companies beyond its traditional hold in cigarettes over the past two weeks — a 45 percent share of cannabis company Cronos and 35 percent stake in e-cigarette maker Juul.
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Backstage with Richard Ridge: Bobby Cannavale Separates Fact from Fiction in His Career on Broadway and Beyond!

Fact Two-time Tony nominee Bobby Cannavale is back on Broadway this season, starring opposite Cherry Jones and Daniel Radcliffe in The Lifespan of a Fact. In a recent interview with Richard Ridge, he opens up about the challenges of taking on thisparticular role, and separates fact from fiction when it comes to some of his past performances
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Trump will grant 8 waivers to buy Iranian oil, allowing imports beyond US sanctions deadline

The Trump administration will grant eight jurisdictions special exceptions to continue importing Iranian crude after sanctions snap back into place on Monday, according to cabinet members.
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To the Moon and beyond: Airbus delivers powerhouse for NASA’s Orion spacecraft

Europe’s Airbus on Friday delivered the “powerhouse” for NASA’s new Orion Spaceship that will take astronauts to the Moon and beyond in coming years, hitting a key milestone that should lead to hundreds of millions of euros in future orders.


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Hair Accessories for Grown Women: What’s Appropriate for Work, Play, and Beyond?

hair accessories for grown women

Because everything old is new again, scrunchies, headbands, and claws are back in style and being offered as hair accessories for grown women, and I can’t wait to hear readers’ thoughts on them. I know some people have always been Team Scrunchie; I myself have always been Team Claw (and of course, the old black Ouchless elastic I wear on my wrist pretty much every waking hour). But there are strong opinions about this! Are you going to give headbands a whirl in 2018? Are some of the more decorative options (like the goldish star claw) just not appropriate for most women over a certain age (like 16)? For those of you who have strong opinions FOR hair accessories, which stores make the best hair accessories in terms of comfort, durability, price, look, etc?

Psst: our last poll on what kind of hair accessories are appropriate for the office … in 2009!


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(Pictured above, all from Free People because I happened to be browsing the site: kimono clip / scrunchie / claw / headband. And for those of you who are on Team Drugstore Elastic, do you prefer Goody Ouchless or Scünci? Has anyone tried “Amazon choice” of Munax?)

For my $ .02, I probably will give headbands a whirl again — but only with ones I already own. I’ll probably skip the scrunchies just because I don’t think my round face shape looks particularly great with a low ponytail, and I feel like that’s where scrunchies excel. I’ve always like claws for comfort and an easy half-up-do or (with a huge claw) a French twist — but those tend to be bad hair days for me so I probably don’t want to try more attention to my hair with something really decorative.

Looking for more sedate options for hair accessories for grown women? Ann Taylor, J.Crew, and Nordstrom (particularly from these two drool-worthy brands) have a ton of similar styles.

Ladies, let’s hear from you — what are your thoughts on hair accessories for grown women? What looks do you wear the most for work and play — what products are you excited about to be back in style?

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