Category Archives: Financial Independence

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For Kelly Charles-Collins, being let go was the push she needed to take her passion for speaking full-time.

I had the comfort of my job, so I played footsie, she says. Charles-Collins, an attorney, had four paid speaking engagements under her belt as a side hustle at rates ranging from $5,000 to $7,500. While lucrative, her day job created a time crunch that prohibited her from going bigger.

I had one foot in and one foot out. Because of the security of my job, Id go all out [with] pursuing my dream at times, and then other times Id retreat to the comfort and safety of my paycheck.

The comfort and safety soon disappeared: at the end of 2019, the prestigious law firm Charles-Collins was employed at could no longer afford her salary and decided to let her go. Being terminated set her on a path to becoming an in-demand speaker on unconscious bias, bystander intervention (about which she has an award-winning TEDx talk), and courageous conversations. She now commands a fee of $50,000 per speaking engagement, and helps other women build businesses and brands that involve speaking up and being fully themselves.

Getting there wasnt easy, though. Heres the advice she has for current and aspiring entrepreneurs when it comes to landing dream clients and charging the rates you want.

Charles-Collins had a target date to eventually pursue her side hustle full-time, but the sudden termination forced her to shift her timeline.

I had been planning to leave, but not until August 2020, she says. The entrepreneur had been building up her speaking business as a side hustle in the evenings while still practicing law. At the time of being let go, I hadnt done what I was supposed to do as far as saving money. I had an emergency fund in the low five figures range, which would have paid bills for three months. What I would have liked to have had was six to nine months of expenses saved. It was scary because I was now doing what I wanted to do, but the business needed to support me.

The first few months were rough as she went from steady paychecks to the uncertainty of securing clients and revenue. She got some referrals, pitched associations and organizations, and started to see movement in people hiring her as a speaker. She also used this downtime to build her website and market herself more actively on social media so she would be easy to find when prospective clients wanted to learn more about her work.

In addition to planning for retirement, consider passing your emergency fund in case an unexpected layoff or hit to your income requires more cash on hand.

Then, in 2020, a race-related incident stoked the fires for Charles-Collins.

When I heard about what happened to George Floyd, I put out a post on social media, she says. I told those who wanted to learn how to become allies that I would do a Zoom call, and they could come and ask questions. I felt I should create a safe space for people to have conversations and ask questions.

As a speaker on the bystander effect, a psychological phenomenon in which the presence of others prevents us from intervening in an emergency and the mother of a son who was a victim of police brutality, per a story she tells in her TEDx talk the entrepreneur aimed to be helpful, but also direct.

I told the people who attended that I was not there for their comfort, but that I had perspective, capacity, and context to answer their questions.

The call along with groundwork she had laid beforehand in the months prior was the catalyst for Charles-Collins business growth. In addition to referrals from attendees themselves, the YouTube livestream was shared so widely that it began to show up in Google search results. Company representatives from various organizations were discovering her through search engines and began reaching out, asking her to do similar listening sessions and Q&As for their teams.

She presented in social media groups, with corporate teams and leaders, and at town hall events. As she sharpened her approach, she incrementally raised her rates along the way eventually reaching $50,000 per engagement.

One of the first companies that hired me for listening sessions was Raymond James, she says. That was their first-ever town hall event on race. It was myself and Dr. Johnnetta Cole who were the speakers, and there were over 3,000 people on that town hall.

After the event, Raymond James asked Charles-Collins to train its leaders. Other companies that engaged her for speaking and training commitments included eBay, Cherry Hill Public School District, the Tampa International Airport, and various law firms. In six months, she was able to match and then exceed her salary as a lawyer.

I was very fortunate that, for 2020 and 2021, I got a lot of business through word of mouth, she notes.

Charles-Collins wanted to help other women build financial independence and cultivate a sense of belonging. She founded a community called Ladies Who Leverage, and a new stream of revenue was born.

I never wanted to be a coach, but I like mentoring and strategizing, she notes. My goal was to create a safe space where women could work together without competing. I now get to share all the lessons Ive learned over the years with my community.

Now a sought-after speaker, womens empowerment strategist, and owner of a six-figure business, Charles-Collins wakes up every day excited to help others use their voices to both make a difference and get paid.

I could have gone back to the comfort of practicing law, or I could do what I said I wanted to do, which is to walk in my purpose and speak.

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This Motivational Speaker Went From Being Unemployed to Making $50,000 Per Appearance in 3 Years. Heres How She Did It - NextAdvisor

Photo-Illustration: by The Cut; Photos: Abrams Image

When Christine Quinn the polarizing but indisputable beating heart of Netflixs Selling Sunset set out to write her first book, she didnt want it to be a vanity project or another humdrum celebrity memoir. (It so happens that her co-star, Chrishell Stause, released a celebrity memoir in February).

Instead, Quinn, whose brutal honesty and stalwart commitment to drama have made her a breakout star, wanted to create something that would help anyone who walked into a bookstore, whether they were a fan or a troll or a stranger. I went into the show wanting to be myself, showcase my personality, and to be the most organic, real version of me, an unapologetic bitch. I thought people were going to ask me about beauty secrets or fashion tips, but the No. 1 DM I was receiving was about confidence: how to talk to people, how to set boundaries, how to say yes, how to say no, Quinn tells me on the phone as she washes off her makeup in her New York hotel room. Confidence was not something I was born with. I acquired it through years and years of noes and trials and tribulations and figuring myself out.

How to Be a Boss B*tch is her self-helpmemoir hybrid that reclaims the word bitch as empowering while walking you through the snippets of Quinns life, from dropping out of high school to drinking flutes of Dom with a too-controlling sugar daddy. Peppered with financial advice, a few co-worker digs, and Quinns signature sharp (too sharp?!) humor, the book is also an effort to bring you closer to the real Christine a woman who says shes more three-dimensional than her shit-stirring-villain edit.

Why reclaim bitch?

I think for way too long, theres been a negative connotation around the word. Why is it that a woman who is outspoken who has an opinion, who can set boundaries, who can say yes and no is labeled a bitch? I felt like it was time for me to reclaim that word. If youre being called a bitch, youre doing something right because quiet, amenable women never make history. Thats Eleanor Roosevelt, by the way. Dont quote me on that.

You wrote the book after season three of Selling Sunset wrapped theres been a lot of drama over the past two seasons. Whats it like for the book to come out now?

I started on a show that I wasnt in control of the narrative, and thats why it was important for me to tell my story. If I dont do it, someone else will. So yes, a lot changed, and a lot of time went by, and I didnt get to talk about current events from the show because we already had everything written. That was difficult. Im not in control of the editing room, but I am in control of the book and what I say. We didnt know when the book was going to be released, so it actually worked out quite serendipitously.

You write about how youre living your full truth these days and how for so long youd lived in the blank space of the Christine that the writers and producers of the show wanted me to be. You say thats where your disappointment with the show took root producers didnt show you as a full person, and people came at you thinking the Selling Sunset Christine was the real Christine. Can you talk more about that?

The most important takeaway is that you have to understand were three-dimensional creatures, as human beings and individuals, and producers were pinning me in a very one-dimensional box. Thats where my frustrations lie because youre only seeing one side of me. I do have a heart, I do laugh, I do cry, I am vulnerable. Theres so many different facets to peoples personalities, and you werent seeing that. That was on the editing floor. That was in the trash can.

How do you approach writing about your relationships with co-workers (there were a few mentions of Chrishell, for instance) and sugar daddies? Were you ever nervous of what they would think reading it?

No. God, no! The process for me was just telling my story. Theres a call to action in each chapter, and theres a reason Im telling each story; Im not just filling space. It was all very intentional. Writing about my relationships set a foundation for writing about my freedom, which for me came through financial independence and job security. I realized thats what I valued most, so writing about the relationships that brought me there was necessary to telling the story as a whole.

I was interested in the character of Svetlana, the alter ego you put on at work. How is the real Christine different from Svetlana?

Svetlana: Yes, we love her. We love Svetlana. She is just the definition of an absolute boss. She never wavers. She never quivers. She never thinks twice. She is an assassin in the confidence realm, and she is what I channeled. She is who I became. I feel like Im at the point where Im comfortable in my own self, which is where I encourage everyone to be in the novel to where you dont have to fake it, to where you made it. Thats where Im at. Ive stepped into my power, and I dont need her anymore, but I used her as a tool when I needed her. My dad and my mom were the ones who gave me the advice Fake it till you make it. In my own way, I just want everyone to get to the point where they dont have to fake it anymore; theyve made it. It really is a journey of manifestation all around.

How did you pick her name?

Something about it felt really powerful, I dont know. I had a Siamese cat named Samantha when I grew up. It was a play off Samantha from Sex and the City. I said, Well, shes gotta be international, right? Shes gotta be well traveled and worldly. So thats how Svetlana came to be.

Will we get to see you next season on Selling Sunset?

Absolutely. I am not going anywhere when it comes to television, that is for sure. Will I be promoting another company? Absolutely not. Will I be promoting my own company? Absolutely. Its up to the production companies discretion to get creative with story lines, which is what they do for a living. So I just have to do whats best for my business and myself, but Im not going anywhere. Its in the hands of network gods right now.

This interview has been edited and condensed for clarity.

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Christine Quinn Is 'the B*tch Whisperer' in New Book - The Cut

Brandon, a blogger and podcaster known as "Mad Fientist," achieved financial independence six years ago at age 34 and has been dedicating his time to passion projects ever since.

He hasn't had to withdraw much from his portfolio for retirement yet, because his expenses are fairly low and he still has a stream of passive income from a credit card search tool he created as a software developer several years ago. That said, Brandon (who uses only his first name online) told Insider that he has always been "obsessed with money," and that he's done a lot of research into how to achieve the highest returns from his portfolio.

"Mad Fientist was a purely selfish endeavor in the sense that when I started it, I thought that I was going to become a better investor by researching investment strategies and things like that in order to be an active investor," he said. "It was early on in my research that I realized that passive index investing has the higher likelihood of success."

Active investing means buying and selling regularly, buying low and selling high to try and time the market for optimum gains. Passive investing in this case, through index funds means taking a hands-off, longer term approach, leaving money in the market to weather its ups and downs over time.

Brandon added that particularly for people who are interested in retiring early, it's crucial to keep your investments as simple and standard as possible because of how much longer you need your portfolio to last than the typical retiree.

"Maybe I could figure out some investing strategy that would maybe outperform by 1% for a year," he said. "Doing it for the next 50 or 60 years is going to be near impossible."

Brandon cited three reasons why he feels so strongly about keeping the vast majority of his investments in index funds.

Brandon said that the two most important qualities for his investment vehicles is that they are "simple and cheap."

He told Insider that he currently has 95% of his portfolio invested in Vanguard Total Stock Market Index Fund, Vanguard Total International Index Fund, and Vanguard Bond Index Fund.

"The stock portion is split between international and total stock market index funds," Brandon said. "I try to keep that at roughly a 70/30 split."

He emphasized the importance of keeping fees as low as possible. "That's just money that's never coming back," he said.

"I also try to be as diversified as possible so that I'm not going to be worried in case, like, Enron 2 happens," Brandon added. "And then have it as automated as possible so that my brain can't try to sabotage itself because it always does."

Automating his investments setting up regular deposits into his investing account so he doesn't have to decide when or how much to invest helps Brandon remain as hands-off as possible, which is also important to him as an investor. "I've learned a lot over the years that I really like trying to time the market," Brandon said. "So I need to just automate as much as possible and set rules for myself that I don't sabotage myself when I think I know better."

Nearly all of Brandon's portfolio is invested in index funds, but he still allows for a 5% allocation to investments in specific stocks he believes will succeed. He calls it his "fun portfolio."

"That's where I can if I think I know better than everyone else buy certain stocks, and stuff like that," he said. He's been keeping track of this portfolio in a spreadsheet to see how it measures up against the market.

As it turns out, Brandon said he "doesn't know better than anyone else, because I would've been better off keeping it in Vanguard total index fund ."

A.J. Jordan

Personal Finance Reporter

The rest is here:

3 Reasons an Early Retiree Invests Heavily in Index Funds - Business Insider

Healthcare costs continue to rise Americans planning to retire should prepare ahead of time.

The average 65-year-old couple retiring in 2022 can expect to spend $315,000 in retirement on healthcare alone, according to Fidelity Investments annual report on retirees healthcare planning thats a 5% increase from 2021 when it was $300,000 and nearly double from the first report in 2002 when it was $160,000. For single male individuals, that figure is $150,000 and for women, its $165,000.

The estimate includes Medicare Part A and Part B coverage, which covers doctors appointments, hospital visits and physical therapy, as well as Part D for prescription drugs. Those six figures do not include long-term care costs, however, which could be exorbitant when factoring in costs for nursing homes or in-home full-time care.

See: Im 33 and want to retire at 40, but have expensive medical needs how can I achieve financial independence?

Americans dont always expect to spend so much on healthcare in retirement. Couples retiring this year anticipate spending just $41,000 on medical expenses in retirement, according to Fidelitys research. When survey participants heard Fidelitys estimate was $315,000, 70% said they did not feel prepared to cover those costs in retirement.

People with a Health Savings Account felt more confident, Fidelity found. Almost half of those account holders said they felt ready, compared with 27% of the respondents who did not have an HSA. Not everyone has access to an HSA theyre available with a high deductible health plan and some who are offered this option cant afford it because of the higher deductible their insurance provider requires.

Also see: Heres what your finances should look like in your 60s and 70s

Still, an HSA may be worth considering when available, Fidelity said. These accounts can provide triple tax benefits, because contributions, earnings and withdrawals are tax-free when used for medical expenses, and they can even act as an extra retirement account since participants are not required to spend down what they save and invest in an HSA in any given year.

Along with saving for healthcare in retirement, Americans planning their futures should explore long-term care options, including insurance or hybrid policies that provide some coverage. They may also want to talk these plans out with family members, who might become caretakers in the future this could save both older relatives and their loved ones from additional stress during an emotionally taxing time.

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The cost of retiree healthcare is climbing heres what you should expect to spend - MarketWatch

Whether as quietist retreat or gnostic withdrawal, the political allure of cryptocurrencies doesn't seem to stand up to the hard forces of reality.

A decade ago, I briefly dated a woman who dreamed of ending the nation-state. She popped prosecco first thing in the morning, and smoked two packs a day. More alluring still, shed built and sold her own strategic-comms consultancy that included NATO as a client. Her phone was full of selfies with various Kalashnikov-toting rebels in places like Libya. All this, without a college degree. This girl was cool.

Meanwhile, I was piling up debt to attend a second-tier law school, burdened by the Iranian immigrants dreams and filial obligations. One day, Sarah (lets call her) suggested I buy something called a bitcoin. It was a sort of internet currency, she explained, that would gain enormous value amid central banks insane splurge in response to the financial crisis. More than that, she predicted, this thingwould usher a new era of radical decentralization and freedom.

I didnt buy bitcoin. And for years afterward, I recounted this episode as a prime example of what a financial schmuck I was, and still am. For notwithstanding the current bloodbath in crypto markets, I couldve struck it bitcoin-rich had I heeded Sarahs advice (and had I had any real liquidity lying around back then). Yet even then, I could tell that bitcoin wasnt mainly about profits for Sarah, who had already achieved a significant measure of financial independence.

No, for her, and for other crypto-enthusiasts Ive gotten to know since, digital currencies are ultimately a political projector rather, an anti-politicalproject. Crypto-ism is but one expression of the age-old yearning to overcome the concrete limits and inconvenient bonds of obligation in which we find ourselves enmeshed, and sometimes trapped. Crypto is about a flight from the political community and from political responsibility.

The vision Sarah laid out for me went something like this (you have to trust me to give it the most reasonable articulation I can): Government as such tends toward tyranny. The modern nation-state has already amply manifested this tyrannical tendency. Its borders are arbitrary. It wages stupid and bloody wars. And even in liberal-democratic form, it still constricts human freedom. And the chief way it does this is by controlling the medium of exchange: money.

Wouldnt it be better, then, if each person could choose which political communities he or she wishes to join, without regard for the accident of geography and history? Assuming such a world is desirable, then the best way to bring it about is by lifting the yoke of central banking off the neck of humankind. If there were a medium of exchange not centrally governed by a few Goldman alumni, but by freethinking technologists and investors, entire new nations could emerge, free nations, where decision-making about social and economic policy would be radically consensual.

Now, heres where things got a little fuzzy for me, and I must admit the passage of time hasnt cleared anything up: How would these new emergent communities interface with actually existing governments, with their parking enforcers and nuclear arsenals, their welfare regimes and agricultural subsidies? Presumably, nation-states wont just allow themselves to wither away, even if such a thing were desirable (which it isnt). And what would become of people who were too unsophisticated or illiquid to buy into the radically consensual world?

If Sarah had any sound answers to these problems, they dissipated in the boozy haze of those days. But more recently, Ive come to (remotely) acquaint myself with one of the crypto worlds leading theorists. Like Sarah, he is super-smart, the type who makes and loses my entire annual salary in a few minutes worth of portfolio fluctuations. About once a year, he calls me to make his pitch not as an investment proposition, but a political one.

He gets that Im a social conservative. And he also gets my skepticism of market liberalism. Indeed, he shares some of my convictions. But he argues that radical decentralization achieved through cryptocurrencies offers a far more realistic path than ordinary local or national politics. The idea, again, is voluntary communities somehow untethered from the centrally controlled medium of exchange. With crypto, the liberal state, he has told me, cant get to your funds, because the algorithmic blockchain password is impossible to crack.

Or something. Again, let me assume the power of this technology and the value of crypto as an investment: Still, as a political matter, it is never quite clear to me whether these men and women imagine themselves leaving their physical communities and starting new ones where cryptocurrencies form the medium of exchange, or whether the idea is that they would stay where they are but increasingly detach themselves from the dollar, the sterling, etc.

The former option strikes me as just a techno-Benedict Option, as vulnerable as any monastic redoubt to the Waco treatment. The latter optionstay put but unplugamounts to a pseudo-gnostic gloss on the choice to invest in an unregulated financial asset. Theres also a market for level-54 wizard armor on World of Warcraft, and you may choose to transact in that market and tell yourself youre building an alternative, stateless world where the medium of exchange isnt hobbled by the pesky claims of the poor and the weak.

But if the past few years have demonstrated anything, its the centrality of materialpolitics, and I mean this quite literally: oil, gas, foodstuffs, tanks, howitzers, housing, these are the things that will make or break political projects in the 21st century, as in the 20th. If smart people in the West are chasing the virtual thrill of assets about as valuable as World of Warcraftitems, they, and we, are poised for a rude awakening.

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Bitcoin and the Rule of the Material - The American Conservative

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The conversation about money starts at home

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With inflation rising and the cost of everyday goods going up with it, your teens need to be aware of the current economic climate and be equipped for the future.

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When my parents came here from East Africa, we didnt have much money. So it was really important that we were really careful in terms of where we shopped, and how much we spent, says Alim Dhanji, a certified financial planner based in Burnaby, B.C. So it was a lot more ingrained into you [things like] dont leave the lights on, close the windows.

And I try to teach my own kids, you cant just leave the lights on because that increases our electricity usage [on] our bill or, you know, just those little tips to add to how theyre thinking.

Parents are increasingly having financial discussions with their teens who are becoming income-earners and learning how to manage their own money themselves.

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About two-thirds of parents and teens report that money is one of their most talked-about topics in the past six months second only to the pandemic according to new data from U.S. fintech company Greenlight.

Ninety-seven percent of parents also said they believe financial knowledge and skills are necessary for their kids to achieve life goals, and 93 per cent of teens agreed.

Money has traditionally been a taboo topic, and thats why it can feel uncomfortable discussing it, even among family at home, Jennifer Seitz, education content lead at Greenlight, told MoneyWise in an email.

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Its important for teens to know the personal finance basics so they can be prepared for financial independence in the future. That includes topics like planning, smart spending, saving and investing, and even credit.

The Greenlight study reported that gas prices and inflation were the biggest financial stressors for parents and teens followed by interest rates, taxes, stock market volatility and student loans.

Canadas inflation rate spiked to a 31-year-high of 6.7 per cent in March. Dhanji says parents should discuss the rising costs of everyday products and services with their teens and use real-life examples, like the cost of gas over the years.

He suggests theres an opportunity to cut back on the little things, like making your lunch at home instead of buying takeout, or taking public transit instead of purchasing a car.

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Seitz adds that many teens may also be working at a part-time or after-school job, which means they need to learn how to manage their income as well.

Dhanji teaches Dollars and Sense at elementary and high schools, and speaks at colleges and universities about financial planning. He says peer pressure and social media can play a major role in teenage spending.

When youre a teen, you just want to fit in [Try] to help them understand that they dont need the latest gadget, or name brand clothing and down the road, theyre going to be in a better financial position to do more with their money.

As teens get older, they begin thinking more about their life after graduation and are making decisions about college, careers and financial independence, says Seitz.

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Dhanji advises that teens set up a Tax-Free Savings Account (TFSA) as soon as they turn 18 and save up funds for future goals or expenses like their education.

With my son, Ive tried to ingrain that things are getting more expensive, to write your goals down, he says. And eventually, if you have enough savings, youll be able to buy a condo and start home ownership. But, savings have to start right away.

He suggests teens write down their income and expenses and use budgeting tools so that theyre conscious of how much theyre spending.

A 2021 Greenlight survey also found that 86 per cent of teens are interested in investing, but nearly half havent invested because they dont feel confident, or their parents dont know how to get them started.

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Like any potential investor, teens should know the level of risk they are comfortable with for their money, because it is possible to lose it, says Seitz. Its safer to spread money over a variety of types of investments.

Dhanji recommends teens get their financial advice from a reliable source, like FP Canada, as opposed to social media platforms like Reddit and TikTok.

I recommend starting early, doing some basic budgeting and teaching them a little bit about cost and that they have to be aware of what things cost because without having proper savings, its going to be really difficult to meet their goals.

Dhanji says you can also explain compound growth which he dubs compound coolness and investing, as well as saving money, paying your bills on time and avoiding credit card debt.

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He recommends showing teens trends in the stock market, using their favourite brands as examples.

Seitz adds that its important to be open and ready for financial questions from your teens.

Dont keep money hush hush or shy away from money questions, she says. You dont have to have all the answers to be a trusted source of advice. If you dont know, you can do a little research and learn together.

Dhanji also says parents shouldnt dont be afraid to reach out to a reliable source for help, like a certified financial planner.

At the end of the day, we want to make sure our children are responsible, good inheritors.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

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How to have 'the talk' with your teens -- the money talk, that is - Calgary Herald

Item 2.02 Results of Operations and Financial Condition

On May 5, 2022, ICD issued a press release reporting its results of theCompany's operations for the quarter ended March 31, 2022. On May 16, 2022, ICDissued a press release announcing corrections to the earnings press release andcorrected unaudited financial results for the quarterly period ended March 31,2022. The correction relates to non-cash entries recorded to finalize thevaluation and accounting presentation of embedded features associated with theCompany's Convertible Senior Secured PIK Toggle Notes due 2026 and conformsreporting and presentation in the press release to the results and presentationas reported in the Company's Quarterly Report on Form 10-Q for the three monthsended March 31, 2022. A copy of the press release is being furnished asExhibit 99.1 hereto and is incorporated herein by reference.

The information furnished pursuant to Item 2.02, including Exhibit 99.1, shallnot be deemed "filed" for purposes of Section 18 of the Securities Exchange Actof 1934, as amended (the "Exchange Act"), is not subject to the liabilities ofthat section and is not deemed incorporated by reference in any filing of theCompany under the Exchange Act or the Securities Act of 1933, as amended, unlessspecifically identified therein as being incorporated therein by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

--------------------------------------------------------------------------------

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INDEPENDENCE CONTRACT DRILLING, INC. Results of Operations and Financial Condition, Financial Statements and Exhibits (form 8-K/A) -...

Oh My Girls Arin took part in celebrating Koreas Coming of Age day!

The holiday celebrating all those turning 19 years old (the age considered as becoming an adult in Korea)fell on May 16 this year. In light of this, Arin donated 20 million won (approximately $15,570) to The Beautiful Foundation, where her funds will be used to assist 18-year-old youths leaving childcare facilities on their path to financial independence.

This is the second time that Arin has supported this cause. She donated 30 million won (approximately $23,352) to the foundation last June in celebration of her birthday, responding to her fans love with a meaningful donation. Aside from this,Arin has regularly donated tohelpsenior welfare centers, elderly living alone, and vulnerable social groups.

Arin commented, I took part in giving with the hopes that becoming independent is as joyful and exciting of an event for those 18-year-old adults (campaign name) who have to become adults at a younger age as it is for the average youth celebrating this Coming of Age day.

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Oh My Girl's Arin Makes Donation In Light Of Korea's Coming Of Age Holiday - soompi

PARADISE, Calif. - Volunteers and several local businesses are helping rebuild homes on the ridge with the Habitat for Humanity organization.

Around 25 volunteers were out helping build fences, sheds and irrigation around multiple homes on Saturday.

The homes built through Habitat for Humanity are built from the ground up by the organization and volunteers.

"The women's build groups this weekend are helping get these homes built and we anticipate these homes being finished sometime this summer. What they're doing is helping us to get the outside work done," Executive Director Nicole Bateman said.

Volunteers dug ditches for sprinkler systems around each home and built the sheds so families have extra storage when they move in. One woman who has worked in real estate for decades said she knows firsthand the benefits homeownership can have on a person's life.

"If we can help families get into their own homes for a sense of security, what a safe place to raise your family is to own your own home and the real first step to financial independence. I have believed in-home ownership for over 40 years, it's what I do for a living and I definitely believe in getting women heads of household and all families into their own home," Becky Prater said.

Future Habitat for Humanity owners also spend several hours building other homes in the community. Jessica Ramirez hopes to move into her new home in the next couple of months.

"You learn about each other. We're all in the same boat. We're all Camp Fire survivors. I know one of the families is living outside of Butte County but is coming back to do sweat equity hours. So yes, a good bond. And I know with these houses being so close together they'll have an even stronger bond," Ramirez said.

Some of the homes being worked on Saturday were built with a material called insulated concrete which not only helps cool the home but is also fire resistant.

Habitat for Humanity expects all three homes they're building on Gardner Ave. to be ready for move-in around June or July.

The Women's Build continues May 15 in Paradise. Several local sponsorships go toward supporting this weekends event.

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Agile consultancy combines decades of commercial and litigation credentials with worldwide government experience including CIA and FBI, to provide deep and cutting-edge subject matter expertise, both technical and geopolitical, enabling C-suites to solve the hardest problems of the day.

NEW YORK, May 17, 2022--(BUSINESS WIRE)--Global Data Risk LLC (GDR) today announced the launch of its multidisciplinary independent consulting practice offering bespoke investigative, litigation, testimonial, cyber, economic and financial strategic expertise services to corporations, law firms, financial institutions, agencies and governments around the world. Members of the GDR investigations team are among the leading practitioners in the fields of intellectual property, strategic intelligence, cyber risk, geopolitical risk analysis, insider threat and reputational risks. Executive management includes former senior leaders from several large firms and government agencies who have provided highly specialized consulting services to organizations, companies and agencies for the past 40 years.

"Demand for independent real-time, actionable business intelligence and litigation decision-making informed by data that impacts the global business ecosystem has never been higher," said Erik Laykin, Global Data Risk, CEO and Managing Partner. "Our clients often require the investigative assistance of focused teams that combine well understood technology capabilities, regulatory and industry expertise and a real world understanding of the geo-political landscape which is embedded GDRs DNA."

GDR launches at a time when its global services and strategic partnership offerings are increasingly sought after to support the mission-critical systems of business and organizations, given that current political and macroeconomic events are presently the most powerful drivers of world markets. By example, Russias invasion of Ukraine as the largest, most dangerous military event in Europe since WWII has significantly increased the cyber threat to the West while the partial emergence of the global economy from the constraints of the coronavirus continues to generate challenges, offering fresh opportunities across financial, business, tech and science sectors. Simultaneously, domestic and cross-border strategic trade, overextended supply chains and new technology competition are driving trends and global fragmentation that demand a focus on boosting industry and institutional self-reliance, with an emphasis on the reduction of vulnerabilities and managing disruption.

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"GDR disrupts the traditional consulting firm model by primarily relying on the experience and judgment of senior level professionals, as opposed to defaulting to the standard scheme of leveraging down to teams of analysts which often only serve to drive up project costs," said John Bass, GDR president and former operational commander at the CIA. "Managing discreet high-stakes engagements across multiple continents is the norm for our teams which use agile methodologies and close, transparent collaboration. Our hallmark is independence and objectivity with an eye toward quick commercial resolution of the challenge or dispute."

GDR is composed of professionals who deploy around the world on short notice and who maintain deep local connectivity in their respective markets and industry specializations. In the information age, nimbleness contrasts with traditional consulting firms and allows for a more rapid and cost-effective application of GDRs expertise.

"Our seasoned experts understand that data which can include everything from email, databases, formulas, log files, texts, online content, source code or even satellite communications is the connective tissue of our globalized economy," added Laykin, who is considered one of the worlds leading cyber investigators. "GDR marries this technical expertise with true business subject matter mastery to provide superior value to its clients. As the result of our sound and holistic guidance on disputes, litigation and other inquiries, we resolve our clients challenges unencumbered by conflict or incentive."

ABOUT GDR

Founded in 2022 and headquartered in the historic financial core of New York City, Global Data Risk LLC (GDR) is an independent investigative consulting firm focused on risk in the information age. GDR specializes in the evaluation, protection and management of risk-facing organizations that rely on data, the life blood of the modern economy. From mitigating the impact of financial sanctions to critical M&A due diligence assignments, from opining on the internal controls of a multinational to providing winning expert testimony on a trade secret dispute, GDR is unique in that it provides unencumbered objective analysis and actionable direction for senior management at the crossroads of data driven corporate challenges.

View source version on businesswire.com: https://www.businesswire.com/news/home/20220517005484/en/

Contacts

CJ Martinez CJ.Martinez@globaldatarisk.com +1 310 980 5431

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Global Data Risk Launches Worlds First Fully Independent Firm Specializing in High Stakes Investigations and Expert Testimony, Financial Regulatory...