Category Archives: Financial Independence

Plinqit joins San Diego Wave FC at Torero Stadium to celebrate the 50th anniversary of Title IX and promote positive financial health for all

ANN ARBOR, Mich.(BUSINESS WIRE)Plinqit, the only savings platform of its kind that pays users for learning about personal finances, will present San Diego Wave FCs match on July 15 commemorating 50 years of Title IX and the ongoing fight for gender equality.

As a proud sponsor of San Diego Wave FC, Plinqit is committed to continuing the fight for equality and removing barriers for women. While there have been many positive results since Title IX was passed in 1972, there is more progress to be made before complete equality is achieved, as women still face unique roadbloacks to financial independence. According to the 2020 Census, families with a female head of household have more than twice the poverty rate than families with a male as the head of household, which can be attributed to multiple factors, including the gender pay gap, where current data reveals that women earn 82 cents for every dollar a man earns.

Despite these challenges, Plinqit strives to empower all consumers, across demographics, to achieve sustained financial wellness by providing a platform that educates users about personal finances while helping them save and plan for future financial needs. Together, San Diego Wave FC and Plinqit will collaborate to make a positive impact for their communities through financial education initiatives that help every individual make the best financial decisions possible.

At San Diego Wave FCs match on July 15 at Torero Stadium, Plinqit will hold a series of giveaways during the event to celebrate the 50th anniversary of Title IX and promote positive financial health for all. For each person that creates a Plinqit account, they will be entered into a chance to win a signed Wave FC jersey. The first 200 people to create a Plinqit account will also have the chance to win additional prizes.

For the team at Plinqit, we take great pride in celebrating the anniversary of Title IX and continuing the fight for equality with San Diego Wave FC. As a female founder and CEO of a fintech company, gender diversity is an issue I care deeply about. In the fintech industry, a mere 5.6 percent of fintech CEOs are women, so there is still much work to do, said Kathleen Craig, founder and CEO of Plinqit. Presenting San Diego Wave FCs Title IX match is one way we can raise awareness of the work that still needs to be done in the fight for equality while recognizing the importance of diversity, equity and inclusion in all areas of life, especially when it comes to promoting financial wellness.

San Diego Wave FCs inaugural season would not be possible without the powerful athletes that comprise this team and we recognize the positive impacts that Title IX has made by opening up opportunities for women not just in sports, but in virtually every aspect of life, said Jill Ellis, President of San Diego Wave FC. However, the fight for equality is not over. We value our partners that aim to be a force for good and Plinqit embodies that. Our organizations share a vision for giving all individuals equal opportunities to perform at the highest level and ultimately, reach their professional and financial goals.

About Plinqit

Plinqit is a brandable, mobile-first platform that is elegant and highly powerful at the same time. Unlike any other savings platform on the market, its patented Build Skills pays users for engaging with content, creating higher user engagement for financial institutions. Created by Millennials for Millennials, Plinqit helps financial institutions connect with this important demographic in a meaningful, relevant way bringing together digital customers, FIs, and savings in one beautiful place. For more information, visit info.plinqit.com.

About San Diego Wave Ftbol Club

San Diego Wave Ftbol Club is the 12th and newest member of the National Womens Soccer League (NWSL). The clubs vision is to be a force for good through the game we love and is led by President Jill Ellis, former head coach of the US Womens National Team (USWNT) and two-time World Cup champion. Together with Head Coach Casey Stoney, the club will bring the highest level of world-class, professional soccer to San Diego. USWNT standouts Alex Morgan and Abby Dahlkemper were two of the first players signed to the club that consists of athletes representing six international soccer federations, including US, Mexico, Canada, Sweden, England and Australia. The team is now playing at its temporary home, University of San Diegos Torero Stadium. The new Snapdragon Stadium will serve as Wave FCs permanent home upon completion of construction in September 2022. Learn more about the club and players at http://www.SanDiegoWaveFC.com.

Contacts

Mallory Griffin

For Plinqit

706-830-0868

[emailprotected]

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Plinqit to Present San Diego Wave Ftbol Club's Match on July 15 to Commemorate 50 Years of Title IX - FinTech Futures

In another time, Where the Crawdads Sing, written by Delia Owens, would be a coming of age, murder-mystery, romance drama with a raw and magnetic appeal. But in a time when all is politically scrutinized, reviewers ask whether Crawdads is green enough, and if Kya Clark is a pink hat-aligned woman.

However, what America finds in both the bestselling novel and the Reese Witherspoon-Taylor Swift-Daisy Edgar-Jones movie coming to theaters this week, is that Kya Clark governs herself in liberty and discipline, keeps to her family values, and is hard not to see as an all-American inspiration.

Editors note: Minor spoilers ahead.

Kyas story begins near the age of birth suffering violent child abuse. Her father physically and emotionally destroys the family that would have raised her. Crawdads pulls no punches on Pas brutality, yet also describes the way his prior choices in the face of economic depression and war corrupted his habits and decayed his mental health. Owens, a wildlife biologist with nonfiction science publications to her name, paints nature as a struggle for survival, and from the novels start rises an undercurrent that society is like an ecosystem in which all are susceptible to pitfalls, yet responsible for their steps and missteps.

Fully abandoned by age six, Kya comes into tension with truancy officers. The district pursues her, but throughout the hunt, Crawdads' tone favors an independent life in the marsh that suits the young girl. The feeling evoked is remarkably real for a child in an almost unbelievable situation. We grip onto the girl who increasingly thrives in nature, who would lose the nesting birds who provide her comforting songs and feathers if child protection were able to pluck her out. Her victory over their chase affirms that seemingly ruinous events in life may need to compost, as detritus in the marsh, enabling regeneration without intervention.

Along the way to maturity in the wild, Kya discovers that affordable gasoline lets her motor through the marsh and beyond the Intracoastal waterway. She can make private transactions of collected mussels for lifes basic necessities with the local merchants. Storekeepers Jumpin and Mabel take to her as would family.

Her mind and body developing, Kya and a boy, Tate, meet for private instruction on subjects beyond schoolbook reading alone. Sharing lessons on how awareness of nature all around them can quicken their verbal faculties, Kya and Tates schooling arrangement is far from standardized public education. Tate teaches Kya without union job security because he sincerely wants to. Their educational and social relationship is fruitful, pure, and passionate, illustrating both academic and social benefits of school choice.

Kyas worst fortunes gradually turn promising. At the pubescent onset of bleeding, Kya privately confides and asks Mabel for guidance. Mabel reassures Kya that startin life is special, and only women can do it. A shared life with someone in marriage becomes Kyas intimate yearning.

Kya breaks into financial independence as a wetlands biology author. Her fastidious illustrations earn the trust of her publisher and readers. Previously a total unknown, her uncensored solo discoveries are not only her economic lifeline but a boon to scholars. Despite town gossip about her swamp filth and mobs attacking her shack, Kya is undistracted from her patient observations.

Even Kyas ancestors, in their absence, endanger her independent life on the land through neglect of the property taxes. Her free way of life, though, is ultimately preserved when, to Kyas relief, she is able to cover the low back taxes by herself.

To all this wild growth, Chase Andrews is a foil, a life subsumed by the same public administrations whose officers would have hunted Kya down. Popular and victorious on the ball field, Chase is made into a hero in a school district so out of touch that it looks down its collective nose at Kya. Chase is lionized within the district despite prevalent beliefs that he tramples on the hearts and bodies of women and wildlife.

When Chases body is discovered, the novels suspense surges to a head. An intricate trial ensues til almost the finale. Most of the town hardly entertains critiques of Chase, nor itself, for the treatment of the types like Kya who live in the marsh. Their miseducations would never let them.

Unlike the pretenders who warp reality by evading true contact with it, as does Chase, the traditional working men are in-touch, reliable, strong, and sensible, including Scupper, Tate, Jumpin, Tom, and Jodie (Kyas brother). With woman and man connecting in nature, Crawdads envisions the sexes in harmony.

Owens says her idea for Crawdads came while face to face with lions and elephants, as she realized how much our behavior is similar to the animals. A spellbinding theme to todays readers, the idea of the animal in human nature also emerged in framing the U.S. Constitution. The founders realized our moral state was animal-like in its capability for both sublimity and tyranny. This inspired the Constitutions enumerated limits, checks, and balances on power, as well as the complimentary idea that moral cultivation is essential to civil society.

Inalienable rights let us, like Kya Clark, chart our own course. Conservative undertones are woven into Crawdads' earthy narrative in a way that seems more than coincidental. Owens muses on survival and territorial advantage in nature and human behavior. If the author were probed about consent of the governed, liberty, and family values in relation to the theme of the wild-like human condition, it would be interesting to hear her thoughts.

Crawdads is a cultural achievement; it does not need to be a culture warrior. It speaks to the soul not of environmentalist America or feminist America, but, refreshingly, the soul of America.

If true to the book, the movie directed by Olivia Newman (Chicago Fire, FBI) and starring Daisy Edgar-Jones (Normal People) as Kya, will showcase indefatigable red-blooded boys and girls, free men and women living unbridled and steadfast.

Michael Bedar works in media and design, enjoys building and managing small construction, wrote a novel, "Sweet Healing," about freedom and wellbeing, and is married and raising children. He learned boating in and around marshes.

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'Where The Crawdads Sing' Explores Individual Liberty As A Survival Tool - The Federalist

The Philippine Postal Corporation (PHLPost) has partnered with Philippines-based Open Finance platform UBXto launch Kasama Lahat, which will transform the countrys premier postal agency into a modern hub that offers financial and data services.

The Postmaster General and the UBX president have signed the agreement to transform each post office outlet into a community financial centre, promoting financial inclusion, especially in far-flung areas. Under the partnership, UBX will provide the necessary technical knowledge in digital finance and Open Finance to hasten the Post Offices digital transformation journey.

With its ubiquity and reach, the Post Office is well-positioned to provide the customers with necessary financial services, through its network in cities and municipalities nationwide. Through the Bangko sa Barangay service of UBX, the Post Office will be able to transform thousands of its outlets nationwide into financial hubs, offering various types of services such as disbursements, fund transfers, cash withdrawals, loan applications, payments, insurance, and collections, among others.

PHLPost has approximately 1,300 outlets across the country. Aside from transforming each postal outlet into a community financial center, the partnership will also empower postmen or letter carriers to become cash agents. They will be trained to provide guidance on how to apply for financial products and services, as well as to supervise the provision of these services.

In the long term, Kasama Lahat aims to establish the Post Office as Open Finance Hubs, which can process data transactions as well, such as validation of customer information for loan applications, asset validation, and even collection or debt restructuring services.

The Post Office will also be able to establish a product line that will establish its financial independence from the budget provisioned by the government, giving the postal agency a more sustainable business culture. The profit margins will allow it to continue its vision of modernisation.

Data from the Bangko Sentral ng Pilipinas showed that 47 percent of Filipino adults are still unbanked. The government aims to include at least 70 percent of Filipino adults in the countrys financial system by 2023.

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PHLPost partners UBX - The Paypers

Julia_Sudnitskaya / Getty Images/iStockphoto

This years inflation has canceled out last years stimulus for much of the country as rising prices have forced people to raid the savings accounts they grew during the pandemic.

Discover: Surprising Things You Can Buy With Food Stamps in the South Learn: 10 Reasons You Should Claim Social Security Early

According to a GOBankingRates study of 1,000 adults, more than one in three people 35.54% have tapped their savings as their dollars have bought them less gas, food and everything else month after month.

Only 18% of those ages 55-64 have dipped into their savings, the lowest percentage of any age group. The worst off have been the youngest adults: 52% of 18- to 24-year-olds have raided their emergency funds to cope with rising prices.

The whole point of saving money is to get you through trying times like these; but, with a recession looming, you will want to keep your financial cushion as puffy as possible so its there when you really need it.

GOBankingRates asked experts from various fields to share their best strategies for surviving todays high inflation without looting your savings account. Heres what you need to do.

Step 1 is to discuss the subject with your household. Be open about your financial plans and how youll adjust your budget to pursue them.

Be aligned on overall life goals with your partner and/or family, said Tanya Peterson, consumer finance expert and vice president of brand at Freedom Financial Network. Its not an easy task and will take careful thought, time and compromise.

Goals that are important could be taking a vacation, buying a new TV, retiring and having enough time to pursue a hobby or interest every week. Whatever they are, large or small, once you can set and agree on them, you can build a budget that prioritizes the goals. Then, cutting out some items on the next trip to the grocery store, or turning the thermostat up to save on energy bills, wont seem so hard when you know why youre doing it.

The next step is to start doing what you should have been doing all along: keeping track of your spending.

Especially as inflationary pressures rise, staying organized and aware of your financial situation is key to building financial independence and overall happiness, said Lisa Fischer, chief growth and lending officer of the fintech company Mission Lane.

You can use a spreadsheet or an app, and there are endless strategies and methods, but all budgets start the same way.

The first thing that an individual should do before allotting their monthly budget is to list all expenses they pay in a month, said Sarah Ross, financial adviser and co-founder of CocoLoan. Classify each one as essential or non-essential so that the degree of necessity can be determined.

Ross suggests listing expenses according to their urgency.

During a tight budget, there are expenses that are necessary but are not immediately needed so you can delay them for a while, she said. Categorize carefully and allot your money on the topmost of the list. If there is still excess money, you can include those not-so-essential expenses or, better yet, save it for future rainy days.

Unless you can earn more money, youll have to cut spending to avoid plundering your savings as inflation continues to shrink the dollars buying power. The first place to trim the fat is probably the recurring bills youve set to autopilot.

I would review every subscription and automated payment, said Chris Kampitsis, CFP and financial planner with the SKG Team at Barnum Financial Group. From cable to streaming, gym memberships to phone apps. Most people would be surprised to find how much money they can save by cutting the costs of services and programs they no longer use or by making a switch to lower-cost alternatives.

Kampitsis also recommends capping what he calls discretionary expenses.

Birthdays, weekend dining out, vacations, Kampitsis said. Where last year you may not have been as conscious about your spending on these expected unexpected discretionary expenses, now is a good time to set some limits.

Kampitsis final advice was a common tidbit: Cook at home instead of ordering or dining out. But you can get even more creative with saving money on food as prices rise.

Shop at farms, orchards and farmers markets, Peterson said. In some areas, you can do this year round. In other areas, now is the time.

She spoke of the potential savings in buying No. 2 grade, or ugly, produce, which doesnt meet the cosmetic standards of grocery stores but is otherwise identical.

B or No. 2 produce can be half off or more, with the same taste and nutritional value as A, Peterson said. Just while not looking quite as perfect.

If you do dip into your savings, the money might be best spent on a financial professional with the skills and experience to inflation-proof your life. If it saves you money in the long run, its an investment, not an expense.

Now is a good time to meet with a trusted financial representative to make, review or adjust your financial plan, said Adam D. Schwery with Country Financial in Gladstone, Mo. This could include saving more, adjusting investments, re-setting or re-prioritizing goals, and paying down or refinancing debt.

More From GOBankingRates

Andrew Lisa has been writing professionally since 2001. An award-winning writer, Andrew was formerly one of the youngest nationally distributed columnists for the largest newspaper syndicate in the country, the Gannett News Service. He worked as the business section editor for amNewYork, the most widely distributed newspaper in Manhattan, and worked as a copy editor for TheStreet.com, a financial publication in the heart of Wall Street's investment community in New York City.

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Inflation: A Third of Americans Have Dipped Into Savings -- How To Avoid It - GOBankingRates

Six out of 10 US adults believe they can build generational wealth, but have differing opinions on how to do so.

Of the 2,000 adults polled, 74% believe they have already built up the finances to pass on to their descendants, according to a new survey conducted by OnePoll, on behalf of the real estate listings platform HomeLight.

Just over a quarter of respondents who are homeowners (26%) said they build wealth by making improvements to their property to increase its value.

By comparison, 38% of those who dont own a home and currently live in student housing are turning to extreme savings and investment programs like Financial Independence, Retire Early (FIRE), or subletting part of their primary residence (38%).

Despite changes in the market, homeownership continues to be one of the most surefire ways to build generational wealth in the U.S. Home equity surged to arecord $27.8 trillionin Q1, but rising interest rates and costs of living have started to curb demand for home buying, said Vanessa Famulener, the president of real estate listings platform HomeLight Homes, who commissioned the poll. Those who have built up equity in their homes can take advantage of numerous tax, repayment, and interest rate benefits that home equity lending offers homeowners especially to help bring costs down for value-add home improvements.

Despite the fact that aging Millennials are still struggling to achieve homeownership much more than the Baby Boomers and Gen Xers before them 60% of the middling generation claims they are confident that they understand the current housing market, whereas less than half of Boomers (49%) say theyve got a grasp on the industry.

But participants also know that owning a home isnt the only avenue to success.

People who live with their parents or family and dont pay rent (83%), and renters (75%), feel they have already built generational wealth compared to homeowners (72%).

In short, those who are lucky to have finically helpful family members are already on their way to accruing wealth. In fact, 77% of people currently living with family plan to inherit a home, including 64% of Millennials.

Compared to current homeowners, people who live with their folks and dont pay rent also have a better shot at wealth (46% vs. 33%) and borrow money from family or friends to afford their own home (42% vs. 28%).

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This is how people are building generational wealth today: poll - New York Post

Jill Shipley is Managing Director, Senior Advisor, and Head of Family Governance and Education at Tiedemann Advisors. She Jill helps families sustain wealth across generations and manage its impact. She has over 20 years of experience and expertise in family systems, preparing next generations, communicating about wealth, navigating family enterprise transitions, family and business governance, and strategic philanthropy.

Russ Alan Prince: What is your role at Tiedemann Advisors?

Jill Shipley: As the head of Tiedemann Advisors Family Governance + Education Practice, my focus is on helping clients navigate the opportunities and challenges that come with wealth, striving to ensure the impact of the money is positive for individual well-being, the family system, and the community. I facilitate multigenerational communication, prepare family members for their current and future roles and responsibilities, design governance frameworks to enable shared decision-making, and help families and foundations engage in values-aligned, purposeful philanthropy.

We are a global firm supporting our clients in optimizing the long-term value of their assets to generate sustainable financial returns with a net positive impact. We believe money is a tool and strive to uncover how it can most effectively be put to work to accomplish clients goals in alignment with their values.

Prince: How do you think financial advisors need to plan for the upcoming largest wealth transfer in history?

Shipley: The greatest wealth transfer in modern history has already begun. Wealth is being transferred from Traditionalistsover age 77and Baby Boomersage 58 to 76to Gen Xage 42 to 57, Millennialsage 26 to 40, and Gen Zage 25 to 9.

Women, in addition to building wealth on their own, will statistically outlive men by 3 to 5 years, meaning they will be the initial benefactors of a sizable share of the wealth transfer. By 2030, American women are expected to control much of the $30 trillion in investable assetsa potential wealth transfer that approaches the annual GDP of the United States.

In addition to wealth transferring to women and the rising generation, trillions of dollars will be transferred to philanthropic vehicles and charitable organizations.

One of the most important things financial advisors can do to plan for this transfer is to ask their clients the question why? What is the purpose of the wealth? The Great Wealth Transfer is occurring because clients have more financial resources than they will spend in their lifetime. Advisors should help clients think about their goals beyond more. Ask, What do you want the money to accomplish during your lifetime and after you are gone? Whom do you want to benefit, and in what ways?

Advisors should encourage clients to engage in a discussion about their values, goals, and plans with whoever will be impacted by their decisions. I have far too many examples of inheritors who are unprepared and filled with resentment and confusion about decisions that were never explained until it was too late.

In addition to guiding the current wealth holder, professionals need to build authentic, trusted relationships with all members of the family. The preferences and priorities of women and the rising generations often differ from traditional senior males. Advisors have a responsibility and opportunity to explore how each individual defines success, focusing on individual and collective well-being.

Prince: Do women have unique needs when it comes to their financial and estate planning goals?

Shipley: Generalizing an entire genders needs and acting off assumptions is a mistake. That said, injustices that have occurred over the last century have had an impact that cannot be denied. Women have had significantly less freedom, decision-making power, access to opportunity, and financial independence than males. Today women are a driving force in the global economy, but we still do not have gender equality. While it is important for financial advisors to not treat women as a homogeneous group, we can learn from research and experience about current preferences and priorities.

Traditionally, women have played the role of Chief Emotional Officer in the family. Today, many are also the Chief Executive Officers at home and work. Women express that they want a financial advisor who focuses on both the quantitative and qualitative aspects of wealth. They seek advisors who cultivate relationships, not just complete transactions. Women tend to be more interested in and comfortable talking about how money can impact identity, relationships, and well-being.

My experience is that both men and women express care and concern about the implications of significant wealth on children and grandchildren. Women of the baby boomer generation are more likely to have been the primary parent in raising children and today express a desire to be more involved in estate planning decisions that impact the next generations futures. Wealth managers need to encourage inclusivityideally including both parents and mature children in transfer planning discussions.

A difference between men and women in regard to wealth is that for women, wealth is a source of empowerment that enables them to achieve goals, security, self-reliance, and independence, and for the most part, it is less of a measure of success, social status or source of power relative to men. Women are less likely than men to be concerned about leaving a legacy, focused more on leaving their family and the world a better place.

A 2022 study found nearly 9 in 10 women believe money is a tool that can be used to help achieve their purpose. This is reflected in the fact that 94% of women were involved with charitable giving and volunteering over the past year.

According to a recent report from BCG, Women are more than twice as likely as men to say it is extremely important that the companies they invest in integrating ESG factors into their policies and decisions. Women and the rising generation are driving the shift away from risk-based portfolio construction to outcome-based planning across multiple dimensions.

The concept of gender identity, the role of women, and the definition of family are evolving. Today less than 40% of American families are a heterosexual married couple with children. Women are starting, and running businesses and men are stay-at-home dads. Thirty-one percent of families are couples without children. Wealth managers and estate planners need to continue to evolve solutions that align with the needs of individuals, single parents, families without children, blended families, LGBTQ families, and much more.

Financial advisors need to build and customize solutions that meet each client's unique needs. It is our responsibility to uncover each individuals values and goals and provide strategic advice in alignment Trends, and research can be informative, but priorities and preferences are constantly changing. Wealth management firms have the opportunity to enable greater inclusivity, diversity, justice, and equity in our talent, our leadership, our client base, how we approach client relationships, our involvement in our communities, through philanthropy, and in our impact investing solutions.

RUSS ALAN PRINCE is the Executive Director of Private Wealth magazine (pw-mag.com) and Chief Content Officer for High-Net-Worth Genius (hnwgenius.com). He consults with family offices, the wealthy, fast-tracking entrepreneurs, and select professionals.

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Helping Families Sustain Wealth Across Generations And Manage Its Impact - Financial Advisor Magazine

Queen Elizabeth II has been voted the most influential female role model of the past 100 years in a survey conducted by Good Housekeeping magazine in the U.K.

Some 34 percent of readers identified the 96-year-old monarch as having been the most influential woman in the survey, which marked the magazine's centenary.

The result comes as the Queen celebrates her historic platinum jubilee this year, having marked becoming the first British sovereign to reign for 70 years with a weekend of celebrations in early June.

To celebrate its centenary milestone Good Housekeeping commissioned a survey of 2,451 women, looking to assess the biggest factors of change in the lives of its readers since its first issue.

Behind the queen, 21 percent of respondents were unable to chose while 13 percent identified their mothers or grandmothers as their most influential female role models.

Speaking of the results of Good Housekeeping's survey, editor-in-chief Gaby Huddart said:

"This is the biggest consumer survey we've ever conducted into attitudes and our mission was to capture the key developments in British history, culture and the home, according to British women.

"It's brought some wonderful findings to light, not least the fact that Queen Elizabeth II is considered the greatest influencer of our generation."

The survey also found that respondents considered the internet to be the biggest influence on modern life over the past 100 years, voted for by 75 percent, while the washing machine was voted as best domestic invention, ahead of the refrigerator or freezer.

On wider societal change, 91 percent of British women who responded to the survey said that women are better off today than they were a century ago with increased financial independence, birth control and wider access to education identified as driving forces for this.

Despite this only 1 percent said that the 2020s were the best decade to live in, with the 1980s coming out on top with a 19 percent share of the vote. It should be noted however, that 69 percent of respondents were aged 55 or over.

The Queen has consistently topped the list of most popular royals with the result being affirmed by data analyst YouGov in their recent polling results for the second quarter (Q2) of 2022.

Following the jubilee, the Queen received a 75 percent popularity rating with surveyed members of the British public which has remained consistent through from the first quarter (Q1) but down one percent from its two-year high of 76 percent.

The second most popular royal in the U.K. is Kate Middleton, whose popularity rose from 60 percent in Q1 to 68 percent in Q2. This follows criticism faced by the royal over the course of the jubilee regarding her parenting after Prince Louis was seen shushing his mother during the jubilee pageant which went viral.

Kate's increase in public popularity has placed her ahead of her husband who achieved a consistent score of 66 percent of adults surveyed over Q1 and Q2.

Prince Harry and Meghan Markle's first joint public visit to the U.K. since stepping down as full-time working members of the royal family and the broadcast of their 2021 interview with Oprah Winfrey also saw an impact on their popularity in the U.K.

In Q1 Harry was liked by 32 percent of Brits, a number that increased to 34 percent in Q2.

Meghan also saw an increase from 24 to 25 percent in popularity among Brits, despite remaining just one place ahead of Prince Andrew as number 14 of the 15 most popular royals.

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Queen Named Top Female Role Model of the Past 100 Years in U.K. Survey - Newsweek

ReportLinker

The increase in female working population is one of the most significant factors projected to drive the growth of the cosmetic preservatives market. Increased in purchasing power of consumers and shelf life enhancement of cosmetic products are also contributing to the growth of the cosmetic preservatives market.

New York, July 12, 2022 (GLOBE NEWSWIRE) -- Reportlinker.com announces the release of the report "Cosmetic Preservatives Market by Type, Application and Region - Global Forecast to 2027" - https://www.reportlinker.com/p03711135/?utm_source=GNW However, high cost of organic products and stringent regulatory norms has affected the cosmetic preservatives market adversely.

Increase in female working population will support the growth of cosmetic preservatives marketThere is an increase in participation of women in workforces globally.According to Statista, India accounted for a total 36% share of the female population working in organized sectors in 2021.

According to a report from the European Union Commission, the population of working women accounted for a 66.2% share in 2020. According to the Bureau of Labor Statistics, the share of the population of working women in the US in 2020 was approximately 56.2%. The increase in the working population of women enables financial independence, allowing them to make their own decisions.Globally, women are the major consumers of cosmetic products. Therefore, financial independence is expected to boost the consumption of cosmetics and skin care products, thereby increasing the consumption of cosmetic preservatives.

Stringent regulatory normsCosmetic products contain a range of ingredients.These ingredients cover cosmetic preservatives, cleansing agents, and unique fragrances.

Regulatory bodies are continuously taking initiatives to prohibit or limit the use of ingredients that cause health issues. Stringent rules and regulations have been implemented by governments regarding the disclosure of product ingredients utilized in the manufacture of products.The Food and Drug Administration (FDA) of the US provides the legal framework and guidelines for the usage and prohibition of particular preservatives.The Federal Food, Drug, and Cosmetic Act (FFDCA) passed by the FDA regulates the usage of cosmetic preservatives in cosmetic products in the US.

In India, the Central Drugs Standard Control Organisation (CDSCO) regulates the usage of preservative products in India. The Drugs and Cosmetics Act (1940) and rules (1945) and the Bureau of Indian Standards implement the laws and regulations for the manufacture of cosmetic products and preservatives.

Increasing focus on male-specific cosmeticsIt is a general belief that appearance and presentation matter.People are inclined to use products that make them look good.

There is a significant demand for male-specific cosmetics ranging from moisturizers to anti-agers to mud masks.Numerous problems are faced by younger males in general related to oily skin, acne, hair fall, and wrinkles, among others.

All these problems can be overcome with awareness about and the use of the proper cosmetics. Manufacturing companies, thus, have lucrative opportunities for the development of products specifically targeting the male segment.Increasing awareness about the usage of cosmetic products among men offers major opportunities for cosmetic product manufacturers targeting individual issues faced by men.This opportunity widens the market share and helps penetrate the newer application segments of cosmetic products.

This, in turn, increases the growth of the cosmetic preservatives market.

High prices of organic and natural cosmetic preservativesThe high costs of organic and natural cosmetic preservatives which are in demand from the market is a significant challenge.Organic preservatives are preferred over traditional preservatives such as parabens, formaldehyde donors, and others by manufacturers of personal care products.

Organic or natural preservatives are preferred as they do not lead to skin problems.Costs of preservatives increased post the pandemic due to the shortages in the supply of high-quality products.

Though there is high demand for natural and organic cosmetic preservatives, the high costs of preservatives pose a challenge for cosmetic manufacturers. The market for organic and natural cosmetic preservatives is expected to grow at a significant pace in the European and North American markets.

Asia Pacific region is expected to grow with the highest CAGR during the forecast periodAsia Pacific is the fastest-growing market for cosmetic preservatives globally.Improved lifestyles, increasing cost of living, increasing population, and high economic growth of emerging economies such as China, Thailand, Indonesia, and India will led to the growth of the cosmetic preservatives market in the Asia Pacific.

The increasing population and availability of affordable products will be primarily responsible for the high demand in the region. Increasing awareness among the population about the effects of the environment on skin and hair is another factor leading to high demand of the cosmetic preservatives during the forecast period.This study has been validated through primary interviews conducted with various industry experts globally. These primary sources have been divided into the following three categories: By Company Type- Tier 1- 37%, Tier 2- 33%, and Tier 3- 30% By Designation- C Level- 50%, Director Level- 20%, and Others- 30% By Region- Europe- 50%, Asia Pacific (APAC) - 25%, North America- 15%, Rest of the World (ROW)-10%

The report provides a comprehensive analysis of company profiles :Ashland Group Holding Inc. (US), BASF SE (Germany), Arkema S.r.l (Italy), Symrise AG (Germany), Evonik Industries (Germany), Clariant AG (Switzerland), Salicylates & Chemicals Pvt. Ltd (India), Chemipol (Spain), International Flavors & Fragrances Inc. (US), and Sharon Laboratories (Israel).

Research CoverageThis report covers the global cosmetic preservatives market and forecasts the market size until 2027.It includes the following market segmentation by type (Paraben Esters, Formaldehyde Donors, Phenol Derivatives, Alcohols, Inorganics, Quaternary Compounds, Organic Acids & Their Salts, Others), by application (Lotions, Facemasks, Sunscreens, & Scrubs, Shampoos & Conditioners, Soaps, Shower Cleansers, & Shaving Gels, Face Powders & Powder Compacts, Mouthwashes & Toothpastes, Others), and Region (North America, Europe, Asia Pacific, Rest of the World).

Porters Five Forces Analysis, along with the drivers, restraints, opportunities, and challenges, have been discussed in the report. It also provides company profiles and competitive strategies adopted by the major players in the global cosmetic preservatives market.

Key benefits of buying the report:

The report is expected to help market leaders/new entrants in this market in the following ways:1. This report segments the global cosmetic preservatives market comprehensively. It provides the closest approximations of the revenues for the overall market and the sub-segments across different verticals and regions.2. The report helps stakeholders understand the pulse of the cosmetic preservatives market and provides them with information on key market drivers, restraints, challenges, and opportunities.3. This report will help stakeholders to understand competitors better and gain more insights to better their position in their businesses. The competitive landscape section includes the competitor ecosystem, new product development, agreement, contract, expansion, and acquisition.

Reasons to buy the report:The report will help leaders/new entrants in this market by providing them with the closest approximations of the revenues for the overall cosmetic preservatives market and the sub-segments. This report will help stakeholders to understand the competitive landscape and gain more insights and position their businesses and market strategies in a better way.Read the full report: https://www.reportlinker.com/p03711135/?utm_source=GNW

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The cosmetic preservatives market is estimated to be USD 410 million in 2022 and is projected to reach USD 562 million by 2027, at a CAGR of 6.5%...

OPINION:

We are living in the fallout of the sexual revolution of the 1960s and 70s. Name any current societal, cultural or political crisis, and it likely had its root in the last sexual revolution (last, as in there have been other sexual revolutions throughout history, this one was the most recent).

Abortion was legalized in 1973. The FDA approved the birth control pill in 1960, so its growing availability together with abortion accessibility meant the make love, not war generation could make love, not children.

Marriage was radically redefined in 1969 when then-Gov. Ronald Reagan signed into effect the nations first no-fault divorce bill (which he called one of the biggest mistakes of his political life). The divorce rate started climbing and Americas families started struggling both economically and relationally.

Gender identity and sexual orientation redefinition and confusion were set off with the launch of the gay rights movement during the Stonewall Riots of 1969.

Sex without consequences. Sex without commitment. Sex with whomever and whenever you pleased. This was the sexual revolution.

We can add to its fallout todays increases in sex trafficking, sexual abuse, sexual exploitation, prostitution and pornography.

Webster defines revolution in two ways: a going around, as in a revolution of the earth around the sun, and as a radical or complete change. The sexual revolution of 60 years ago was indeed a radical and complete change in our societys values and behaviors about sex.

I wonder if a coming revolution could also bring a radical and complete change and bring us around again to the foundational values that held sex, marriage, family and society in a healthier place.

(I have held this hopeful projection for several years, based on the three lines of reasoning given below. The Supreme Courts turn of Roe v. Wade clearly aligns with the theory and adds to my hope.)

First, todays cultural conditions are very similar to those of the 1960s. We are divided over race, politics, economy and war just as they were then. The Civil Rights Movement and Vietnam War accompanied all the abortion, marriage, gender identity and sexual orientation changes.

A second argument I will make is based on theories of generational change. Sociologists observe generational cycles, where certain cultural attitudes, beliefs and behaviors are repeated over and again.

I first learned about generational cycles when the millennials, the most recent hero generation, was emerging into adulthood. It was right after 9/11. We remember the resurgence of patriotism and save the world causes these young people pursued. Their great-grandparents were the heroes before them that fought in World War II.

They are followed by Gen Z, an artist/adaptive generation who is pluralistic, tolerant and averse to conflict, like their silent generation great-grandparents. Both value financial independence, the earlier generation living through the Depression and this one through the Recession of 2008.

According to Howe and Strauss (1992), the baby boomers who were emerging into adulthood in the 1960s were a prophet/idealist generation and were positioned to reject and redefine societal norms. They cast off the restraint of their parents and the society around them and forged their own freedom. They devalued sex and marriage and rejected the institutions our nation was built on.

(To complete the cycle, the fourth generation is a nomad/reactive generation as with Gen X, the slackers of the latchkey generation).

Due up after Gen Z is another prophet/idealist generation. These are children born between 2010 and 2025. If they, as their hippie great-grandparents, reject and redefine societal norms, what could be the outcome?

Almost like double negatives, could they cast off casting off restraint? Could they revalue the devaluing of sex and marriage? Could they reclaim again the institutions of faith, family and freedom our nation was built on and find a new freedom of health and wholeness?

A third argument aligns with historical swings from more permissive societies to more puritanical societies, which historians trace back thousands of years. Like a swinging pendulum, a culture reaches a tipping point where it must turn back or risk breaking off from its pivot point in destruction. Are we nearing that turn back point? (I consider the debate over saving born-alive babies or removing healthy breasts from 13-year-olds to be clear tipping points).

Have you heard what this next generation has been labeled? Generation Alpha. Alpha- as in the letter A, as in back to the beginning. Could this be a reset generation?

When we add to the unsettled cultural conditions our recovery from a global pandemic, we are certainly in a time of cultural reset. The opportunity is here for this emerging generation to reset, to revolve, and to rebuild the foundation of family and society.

Weve left Generation Alpha quite a mess from the last sexual revolution. If we will step out of their way, I think well see the time is right for a new sexual revolution.

Lori Kuykendall holds a masters of public health in health promotion and is president of Beacon Health Education Resources.

Read this article:

Is the time right for a new sexual revolution? - Washington Times

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