Oprah on How to Handle Life’s Inevitable Setbacks | SuperSoul Sunday | Oprah Winfrey Network



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Don’t Let Just Anyone Handle Your Money: Use Caution When Choosing a Financial Adviser

African Americans may do well to check out a financial adviser’s credentials thoroughly before hiring one to manage their investments. New data shows what you need to know before choosing a financial adviser.

Some 48% of Americans mistakenly believe all financial advisers are required by law to always act in their clients’ best interest, a new survey by digital wealth manager Personal Capital shows. The finding comes after the Securities and Exchange Commission this month settled charges against 79 investment advisers who must return over $ 125 million to clients tied to mutual fund sales, with a large chunk of the money going to retail investors, DI Media reports.

The Personal Capital 2019 Financial Trust Report further disclosed that 65% of investors who work with a financial adviser incorrectly believe that financial advisers only make recommendations that are in a client’s best interest, a rise from 46% in 2017.

A startling discovery was that just 44% of Americans know the fee amounts they pay on all their investment accounts. And 20% do not know how their adviser is paid. Personal Capital claims hidden fees can add up to more than an eye-popping $ 400,000 in an investor’s lifetime.

This report stemmed from a CARAVAN survey by Engine among a sample of 2,007 adults—1,004 men and 1,003 women—18 years of age and older. The online interviews were conducted in December 2018 and entailed responses from 202 African Americans.

Though 30% surveyed think a financial adviser is likely to take advantage of a consumer, 97% trust that their own financial adviser will act in their best interests.

A Lack of Awareness When Choosing a Financial Adviser

Accentuating the lack of awareness pertaining to advisers’ legal obligations to clients, 18% were unable to identify if their adviser is a broker/dealer or a fiduciary. The 26% who indicated their advisers are broker/dealers should reconsider if they are receiving unbiased financial advice, Personal Capital says.

Questioned about who they would trust their money with, 28% said a registered investment adviser, 21% a big bank/brokerage firm, 14% a local advisory company, 8% an online platform. Thirty-three of the respondents said none of the above.

On the loyalty front, millennials surprisingly were the most devoted with 80% declaring they would follow an adviser to a new firm. Seventy percent of Gen Xers and 66% of baby boomers felt that way. Respondents reflected on the usefulness of technology in financial services and cybersecurity concerns.

The overall findings come after years of public debate among regulatory bodies over the fate of the fiduciary rule focused on arguing the definition of “best interest,” which Personal Capital claims may be contributing to the increased public confusion.

“While we hope all financial services professionals and firms are working with Americans’ best interests in mind regardless of fiduciary designations, this simply isn’t the case,” said Jay Shah, CEO of Personal Capital. “When it comes to wealth management, anything less than advice that meets the fiduciary standard simply isn’t acceptable. Investors deserve more.”

How to Find a Reputable Adviser

Responding to the Personal Capital report, Kevin Mayeux, CEO of the National Association of Insurance and Financial Advisors, said, “Broker-dealers and their registered representatives provide affordable, trustworthy financial services and products to clients at all income levels, from the wealthy to those with more modest means.” The NAIFA is the nation’s largest membership association of insurance and financial professionals.

Mayeux added,  “Fiduciary regulations, such as one imposed by the U.S. Department of Labor before it was struck down by a federal court, can create burdensome and costly requirements that make it difficult or impossible for advisers to provide individualized, human-on-human advice and services to middle- and lower-income consumers. Many registered investment advisers charge fees and require account minimums of $ 200,000 to $ 1 million or more while relegating people who cannot maintain those balances or afford those fees to one-size-fits-all computerized models or call-centers.”

“The truth is, insurance and financial advisers are highly-trained and licensed professionals. They are governed by state and federal securities laws, and every securities transaction they complete with a client is subject to compliance reviews by their broker-dealers and the Financial Industry Regulatory Authority.”

Mayeux pointed out NAIFA members agree to abide by a code of ethics that includes a promise to promote their clients’ interests. He says the vast majority of these advisers build and maintain enduring relationships with clients that often last decades and would not be possible if the advisers were not looking out for the best interests of their clients.

“Nonetheless, NAIFA supports an ongoing effort by the Securities and Exchange Commission that would further require advisers to serve in the best interests of their clients and is working with the SEC to ensure that the final rule benefits consumers of all income levels and allows them to continue to receive needed services and advice.”

A “Staunch Advocate”

Geoffrey Brown, CEO of the National Association of Personal Financial Advisors, said the findings from Personal Capital’s 2019 Financial Trust Report are not surprising. He said because of efforts to mislead and confuse the public by non-fiduciary financial services professionals, consumers often don’t have the clarity needed to evaluate the relationship they have with their chosen professional.

He added this leads to a lack of understanding about the true cost of the engagement and the duties owed to the client under the law. Since its inception, Brown claims NAPFA has been a staunch advocate for fiduciary principles, something he maintains is the most transparent way of serving the public. The NAPFA calls itself the country’s leading professional association of fee-only financial advisers.

“In today’s marketplace, it’s virtually impossible to distinguish a salesperson from an adviser, or between those advisers who are legally obligated to provide advice under a fiduciary standard versus those who are not. When working with an adviser or salesperson, consumers need to be clear about the nature of the relationship,” Brown says.


The post Don’t Let Just Anyone Handle Your Money: Use Caution When Choosing a Financial Adviser appeared first on Black Enterprise.

Money | Black Enterprise


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Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family

Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family

Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family

Author Michael Arceneaux discusses Jordyn Woods appearance on Red Table Talk  following the Tristan Thompson cheating allegations, and exactly how Woods beat the Kardashians at their own game.

Jordyn Woods was savvy as hell to enlist the help of Jada Pinkett Smith, essentially her play auntie, to deal with the controversy around her alleged some-sort-of-romantic-relationship with Tristan Thompson, the basketball player more known for cheating on Khloe Kardashian even after impregnating her. Whenever someone falls out of good graces with the Kardashians, select media outlets curiously start reporting all sorts of bad information about that person. Next, their lil’ friends who desperately cling to the celebrity-adjacent status they’ve netted from their Kardashian affiliation proceed to publicly pounce on that person. The end result is that ex-friend becoming something of a pariah.

See the fate of select former employees, Blac Chyna, and the artist formerly known as Kris Humphries, among others. The same thing was beginning to happen to Jordyn Woods. She not only had to move out of her BFF Kylie Jenner’s home, but she was officially on “Don’t bring her ass over to my house” status with the entire family. And naturally, the stories started pouring out of E! and Page Six, followed by keyboard thugging from the oh-so-happy-to-be-here friends of the Kardashians—roles now filled by Malika Haqq and Larsa Pippen. Why are those women in their 30s and 40s arguing with a barely twenty-something?

In any event, that sort of plan could work on Tokyo Toni’s daughter. But as they’re surely learning now, it won’t work on someone considered an extended family member of the Smith family.

Woods appeared on Jada’s Facebook series, Red Table Talk, on March 1st to share her side of the story. And if Woods wasn’t already very much aware of how the Kardashian family plays it, Will Smith certainly was. Will knows Woods through her late father who worked as a sound engineer on The Fresh Prince of Bel-Air, and he has only made one previous appearance on Red Table Talk. Knowing that he isn’t a regular guest, I laughed like hell when he FaceTimed into the show and dispelled the following advice to Woods:

“Take your medicine and tell your truth,” Will said. “This is a part of what growing up is…this world is not gonna break you. We won’t allow it.”

That is a very slick, Hollywood professional way of saying, “I’m not about to let that family play you.”

Smith did say something curious, though. When he said, “I watched you become a woman and I saw that one day we’d be here,” I interpreted that as, “I warned you about them.” After Will finished, it got even better because Jada did not let her off the hook.

“There’s a family that feels betrayed by you,” Jada explained. She made Jordyn recount exactly what happened and acknowledge how it impacted peoples’ lives, and then pushed her to offer real contrition. I am so into Jada Pinkett Smith interview style, which is a mixture of concerned auntie and 1980s Barbara Walters or Oprah Winfrey.

And while some complained about it online, Jada was right to note that, as a Black woman, Jordyn Woods will experience far more harassment online no matter what. Not only is that unfair, it is hypocritical. Jordyn Woods was wrong, but it’s not like select Kardashian sisters haven’t been accused of similar behavior in their romantic lives.

Jordyn still might have been acting like the villain of many an R&B ballad, but her Red Table Talk chat was the best confessional performance I’ve seen since me right before a mass in 1998. Still, Khloé Kardashian remains unimpressed.

Khloé, I understand that you’re hurting and you have every right to be, but uh, have you met you? You’re celebrating Tristan for addressing the situation privately when your family has sold its privacy for a decades-long reality show? Keeping Up With The Kardashians is probably already rushing an episode tied around this drama, but you know, sure, okay.

With all due respect, Tristan Thompson has been a thot so no one can break up a home where a man already has his penis out the door the majority of the time. Khloé’s mission to malign Jordyn backfired, and I won’t link to any of the tweets mocking Khloé for her statement, but ouch. She is getting dragged up and down Cardi B’s internet, bless her heart. I hope Kris Jenner takes Khloé’s phone away, and I hope that family leaves Jordyn Woods alone.

I don’t condone what Woods did, but as she explains it, her behavior wasn’t actually as bad as first reported. She deserved to have her say and protect her image from being permanently tainted. Not only did she get to have her say with an A-list family who commands attention, she did so on a platform with s a much wider reach than the reality show that launched the Kardashians into fame. Jordyn Woods’ episode of Red Table Talk netted more than 6 million views in three hours.

In pursuit of overcoming her thot tale, she beat them at their own game with slicked back hair, subtle makeup, and some A-list friends. My hero.

Michael Arceneaux is the New York Times bestselling author of the recently released book I Can’t Date Jesus from Atria Books/Simon & Schuster. His work has appeared in the New York TimesWashington PostRolling StoneEssenceThe GuardianMic, and more. Follow him on Twitter.

The post Opinion: Jordyn Woods was smart to handle her Kardashian drama with the help of another famous family appeared first on HelloGiggles.



Starbucks baristas told how to handle Schultz 2020 questions

Starbucks baristas have received instructions on how to handle “aggressive” customers who might be upset about Howard Schultz’s presidential ambitions. The employees were provided a “Barista Need-To-Know” update last week that encouraged them to defuse politically charged exchanges about the former CEO’s run for president, according to the Huffington Post. “If a customer attempts to…
Business | New York Post


Universal to Handle eOne Theatrical Distribution in Australia, New Zealand

Entertainment One is to see all its theatrical film distribution operations in Australia and New Zealand handled in future by Universal Pictures International. The new arrangement comes into effect from April. UPI is already handling eOne collaborations with Amblin Partners and Participant Media, including Golden Globe winner “Green Book,” and “On The Basis of Sex.” […]



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How to Handle Difficult Conversations at Work

Conflict in the workplace is inevitable. But contrary to popular belief, not all conflict is bad. Sometimes when we embrace difficult conversations at work, it’s an opportunity to grow, innovate, and even strengthen your relationships with your colleagues. One of the most important things on how to handle difficult conversations at work is remembering the power of taking a pause before you react or respond to a situation. Ultimately, you can’t control how people react, but you always have the power to choose your response.

Dealing with Difficult Conversations at Work

Friendly reminder — not everything deserves a reaction or even a response. You can either step into conflict or step away from it; the choice is always yours. Embracing your power of pause also enables you to:

-Take a few deep breaths or walk away from the situation.

– Refrain from judgment and do a quick self-check.

-Gather your thoughts so you can ask a few clarifying questions.

-Consider the other person’s perspectives or objectives.

Think Conversation, Not Confrontation. 

Once you decide that a discussion is needed, here are a few tips to help you prepare for a difficult conversation:

Silence the noise, get rid of distractions and do a quick self-check on the story you are telling yourself.

At any given moment, we have a gazillion stories going on in our head — especially when we’re in the middle of a conflict. The biggest mistake we make is reacting off of a story we’ve told ourselves about a person or situation. Many times, we’re assuming, overthinking, and even playing out scenarios that may be true or false.   

Seek facts before feelings.

Ask yourself:

-What evidence do I have to support this story?

-Are you feeding the stories in your head based off of your past experiences? What else it could it be? Self-awareness is key: How have you contributed to the problem?

-What is your purpose for having the conversation?

-What do you want to avoid?

-Why is it important to have this conversation right now?

-What do you hope to accomplish?

-Describe your ideal outcome?

-What is the common ground or mutual interest that you both share?

Prepare to have a discussion and approach the discussion from a place of curiosity.

Starting from a place of curiosity (e.g., give a person the benefit of the doubt) helps to rebuild trust with someone who may have hurt you. Plus, it helps to create a mutual understanding about finding solutions which benefit the both of you. Also, take a few moments to imagine you don’t know anything about this person or situation. Sometimes this can help you see things from another person’s perspective and assess their needs at the time.

Watch your tone and be aware of your verbal and non-verbal communication.

For instance, typing on your computer or scrolling through emails or your social media feed while speaking to someone, sends the message that you don ‘t value a person’s time or what they have to say. 

Strive to ask more open-ended questions. Here are a few examples:

I’d really like us to get to a place where we can ______________ and avoid__________. When ___________ occurred, I felt like _____________. Can you help me understand why (describe the problem and the outcome) ________________. Take note, the more you show interest in learning about the other person’s perspectives the better chance you have at reaching a positive outcome and mutual agreement. Here’s the thing, you don’t have to agree, but validating that their views are just as important as yours sets the tone for respect and a new way ahead.

I’d like to see if we might reach a better understanding about ___________. I value you as ___________so I really want to hear your feelings about this and share my perspective as well. What are your thoughts about _________?

I notice we have different views about _____________________. So, I’d like to hear your thoughts about____________ .What challenges are you having with____________? What part of__________ makes you uncomfortable? How can we work more effectively as a team?

If we considered __________, what does success look like for you? What are the top two things you’d like to see from me?

To make sure you understand the person correctly, restate what has been said—this also sends the message that you’re actively listening to them.

The post How to Handle Difficult Conversations at Work appeared first on Black Enterprise.

Career | Black Enterprise