Category Archives: Financial Independence

It takes a lot to build a successful marriage. Most of us work towards harmonizing our hearts and minds. But we underestimate the role of money in marriage. Money may not be important, many of us claim. But joint finances are important, because in a marriage, both the spouses financial independence is equally important. It doesnt really matter if just one or both are earnings members.

Make sure you ascertain what his views on finances are. Find out whether he is a spender or a saver and then come to the conclusion on the way forward. You can discuss and figure out a mean, common path to managing your joint finances in future, says Preeti Zende, Founder, ApnaDhan Financial Services. You should also be transparent about any loans that you may be repaying prior to marriage and insist on your would-be husband sharing similar information with you.

Also listen: Women should take charge of personal and household money matters

Do you know where the money is?

Irrespective of whether you have an independent source of income or not, you must be clued into the financial decisions made for your household. You must be aware of various investments made and have easy access to the copies. Basically, if you are not handling joint finances, then should definitely get hold of account passwords, be aware of the (bank or mutual fund) portals and apps, demat statements and also have hard copies of such investments in place, advises financial planner Nisreen Mamaji, Founder, Moneyworks Financial Services.

You can create an excel sheet to record details of FDs, mutual fund investments, equity shares and so on. Make sure that you are the nominee for these investments, she adds.

Nominate, nominate, nominate

COVID-19 has already made many realise the importance of sharing details of their investments with their family as also keeping nominations updated. If you are newly married, do not be in a hurry to change the nomination in your husbands favour. You may be young, but it makes sense to create a Will to avoid disputes in future, says Zende.

Also read: How to write a fool-proof Will to pass on your assets smoothly

Do not club all your investments and expenses

Many a times, even financially independent women make the mistake of dividing household responsibilities in a manner that is detrimental to their interests.

For instance, the womans salary could be used for monthly expenses, while only the husbands money is invested for the couple and children. This may seem convenient in the short-term, but could lay the ground for disputes in future. It is best if both contribute to household expenses. Likewise, while you can have joint investments with your spouse, you must create wealth for yourself by investing in your own name too, says Zende.

Do not leave financial decision-making to your husband. If your investment philosophies and risk-taking appetites differ, you would need separate financial plans too. Information sharing helps financial planners devise more effective plans. Depending on the couples approach, we can draw up plans where the asset allocation is not duplicated, says Mamaji.

Have adequate life and health insurance covers in place

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Womens day: Manage finances jointly with your husband for a happy money life - Moneycontrol.com

A high rate of intimate partner violence and financial coercion is Australias dirty secret. Credit Union SAs CEO talks about the Zahra Foundation and Credit Unions own initiatives for women fleeing abusive relationships.

Intimate partner violence has risen during the COVID-19 pandemic.

An Australian Institute of Criminology study found that, during the first 12 months of the pandemic, one in 10 women experienced physical violence, one in 12 experienced sexual violence and one in three experienced emotionally abusive, harassing and controlling behaviours.

More than 40 per cent of these women also self-reported that the violence or behaviours increased in frequency or severity during the pandemic.

The Zahra Foundation provides financial counselling, programs and referrals to other services to help women and non-binary people experiencing intimate partner violence become financially independent and avoid a return to the relationship.

Credit Union SA CEO Todd Roberts says the companys sponsorship of the foundation strongly links to its purpose as an organisation.

To help South Australians thrive its the reason we do what we do and why we exist, Todd says.

Supporting the Zahra Foundation in their mission to help women and non-binary people towards recovery and financial independence is truly a privilege and something we are incredibly proud of.

We have been sponsoring the Zahra Foundation for five years now. In that time, weve been a major partner of their annualWomen on the Runfundraising event, provided merchandise and donated funds to their recovery programs.

The recovery programs include the nine-week Pathways to Empowerment. Zahra Foundation General Manager Kelly-Ann Tansley says restoring a sense of self and goal setting for a new future are key to recovery.

Theres a misconception in society that a woman or non-binary people are safe once they leave an abusive relationship, Kelly-Ann says.

We know that the pathway to recovery is a long journey, holistic support is needed, in terms of financial counselling, reviewing budgets and debts and opportunities to reconnect socially as often women have been isolated.

There are long-lasting health impacts from either physical assaults or emotional and psychological impacts particularly in situations when a womans been controlled or coerced, throughout the relationship, theres a loss of self-identity.

ThePathways to Empowermentprograms have been operating for more than five years. They run during school terms at locations in Adelaide, North Adelaide and south of the city. Each one is led by two trained specialist domestic abuse recovery facilitators, who provide support and guidance for women to find their voice and be empowered.

The participants are often referred to the Zahra Foundation by domestic violence support services and SA Police, while other women learn about the program and self-refer.

Some women who have used the service have unknowingly had their identity used by abusive partners on loan documents, been coerced into signing financial contracts or simply had limited or no say in the allocation of household income.

Consequently, the foundations financial counsellors also advocate on behalf of women dealing with banks, telcos, utilities, credit card companies and government departments.

Kelly-Ann says awareness of financial abuse is growing.

A lot of financial institutions and government organisations are starting to get really good at understanding what financial abuse looks like and what coercive control is, Kelly-Ann says.

This is important because with coercive control, often there isnt any physical forms of violence. But theres controlling of a woman, through many means. Financial abuse is often an indicator of other forms of harm or violence within the relationship.

Credit Union SA worked with Zahra Foundation last year to develop their domestic and family violence policy. CEO Todd Roberts says this has led to a number of other initiatives.

We are continuously improving our processes and education to ensure we can identify and respond to signs of vulnerability. This includes regular frontline staff training, considerations when designing new products and services, and constant monitoring of accounts and transactions, Todd says.

Its all about making sure we can provide immediate support to victims by protecting their accounts and helping them going forward.

We are also working with the Zahra Foundation on a new initiative thatwill enable womenand non-binary peoplewho are in domestic and family violence situations to have a secret savings account, potentially giving them a greater chance to flee.

For more information onWomen on the Runclickhere.

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Escaping abusive relationships through financial empowerment - CityMag - InDaily

Erin Duffee| Hilliard Recreation and Parks Department

Each spring, the city of Hilliard begins the recruitment process for part-time and seasonal jobs to staff its municipal pools, ballfields, parksand facilities.

Finding great candidates for these temporary positions is a process we take seriously, because some of these employees quite literally could be responsible saving a life this summer.

This year, more employment opportunities are available locally and nationally than ever before, and the competition for great employees is expected to be tough.

Thats why the city is amping up its hiring initiatives in 2022. We are invested in finding passionate people to help us make this summer the best one yet.

Our hiring initiatives have started earlier than ever. Some of our efforts might look familiar to those residents have seen in the past, and some are brand new.

You might see signs and flags around town that include links to apply; advertisements on Facebook, Snapchat and TikTok; and information in the next edition of Your Hilliard magazine, coming to your mailboxes in March. Staff members are working with local businesses, high schools and universities to get the word out about the opportunities to serve your community while making money.

Sowhy should residents especially teenagersconsider working for the city of Hilliard this summer, especially when there are so many other options to consider?

Well, the paycheck is nice, especially for teens who are saving money for college, for gas moneyor just to start gaining some of their own financial independence.

Its fun and the working conditions are awesome. Seasonal and part-time employees get to work outdoors in our pools, parksand facilities. Many of our summer staff members return year after year to continue friendships with people they met on the job.

Unlike many jobs in retail and the service industry, working in the public sector is an opportunity to truly have an impact on the community. Our lifeguards are crucial to keeping our pools open and keeping our pools safe. Our camp counselors get to work directly with Hilliard children, which looks great on a resume, especially for those interested in careers like education. Sports fans get to work on the pitys ball fields.

Plus, it teaches valuable life skills. CPR, anyone?

A job with the Hilliard Recreation and Parks Department is rewarding, especially for those who live in this community. Many of the citys long-term, full-time employees started their careers as lifeguards or recreation aides.

Of course, our summer employees get paid to learn new, applicable skills. They gain leadership development opportunities, mentorship opportunities, certificatesand job coaching. These jobs look great on a resume.

Hilliard is hiring part-time lifeguards, camp counselors, ball field grounds crew members, park maintenance workers, recreation aidesand front desk/programming recreational aides.

More information about each available job, including applications, is available at hilliardohio.gov/hiring or by calling 614-876-5200.

Interested applicants also may stop by the Hilliard Community Center inRoger A. Reynolds Municipal Park during operating hours.

Erin Duffee is assistant director of the Hilliard Recreation and Parks Department.

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Hilliard Headlines: City officials focused on hiring the best candidates for summer positions - The Columbus Dispatch

Vivian Carter (center) and her husband, Jimmy Bracken (far right), launched Vee Jay Records in 1953. Photo by Michael Ochs Archives / Getty Images

In February 1963, Dick Biondi, a popular nighttime disc jockey (DJ) at WLS-AM in Chicago, dropped the needle on Please Please Me, becoming the first person to play the Beatles on American radio. Black with rainbow trim, the label on the record misspelled the bands name as the Beattles. The record companys nameVee Jay, the initials of co-founders Vivian Carter and Jimmy Bracken, a married Black couple whod set up shop on Chicagos South Side in the 1950sappeared up top.

At the time, the Beatles were enjoying a surge of popularity in Britain but remained virtually unknown in the United States. Vee Jay took a chance on the Liverpool quartet, signing them after Capitol Records, the American subsidiary of the Beatles British label, EMI Records, declined to do so. (British artists fared poorly in the U.S.or so the company believed.) Though Capitol eventually stepped forward to claim the Beatles, just asBeatlemania was poised to sweep America in late 1963, Vee Jay deserves credit for introducing the band to the U.S.

The most successful Black-run record company before Motown in Detroit, Vee Jay invited the Beatles to share an English interpretation of the rhythm-and-blues (R&B) music then popular across the Atlantic. Rock critic Dave Marsh, in his 2007 book The Beatles Second Album, notes that the independent record company made exactly the kind of American pop R&B records that the group admired, unlike Capitol, which didnt understand the bands sound. Still, a key question posed by Marsh remains: [C]ould the Beatles have been as profitable, prolific and as world-changing had they remained on Bracken and Carters mom-and-pop label?

In 1953four years before 16-year-old John Lennon and 15-year-old Paul McCartneymet at achurch garden party in LiverpoolCarter, a charismatic radio personality who hosted a popular gospel show in her hometown of Gary, Indiana, married Bracken, a budding entrepreneur whod recently helped her open Vivians Record Shop in the citys downtown. The couples ambitions were modest: start a record company to stock the store with the music radio listeners were requesting. They borrowed $500 from a pawnbroker to record the labels first artist: the Spaniels, a local doo-wop group.

[Carter] had the X factor, says Billy Shelton, a Gary native who graduated from the same high school as Carter and whose teen vocal group later morphed into the Spaniels. (Shelton left before the band found fame, unsuccessfully auditioning for Vee Jay with another group, the Three Bees, before officially joining the Spaniels in the 1980s.) She had the King Midas touch. Anything she did turned [into] gold.

Vee Jays first release, the Spaniels Baby Its You, debuted in 1953 at number ten on Billboards R&B chart. Goodnite, Sweetheart, Goodnite, released in 1954, reached number fivemuch to Sheltons surprise. I didnt think they would make it. I didnt think their arrangements and music was all that great, he says. What I failed to take into account was Vivian Carter was behind it. And Vee Jay Records was behind it. And Ewart Abnerthen the general manager of Vee Jaywas behind it.

Carter and Bracken hired Abner, who would later serve as president of Motown, to run Vee Jay in 1954. Trained as an accountant, hed been unable to find work at any of Chicagos accounting firms due to racial discrimination. Instead, he started his career as a bookkeeper at a Chicago record-pressing plant in 1949. The plants owners recognized Abners talent and recruited him to help out with their label, Chance Records, which specialized in blues, doo-wop, jazz and gospel, and at their record distribution company. After Chance folded, Abner moved on to Vee Jay. He was later appointed president of the label.

Abner was a brilliant man. Brilliant, says Gwen McDaniels, who worked for Abner at Vee Jay in the 1960s. He was unreal. To see him in action was unbelievable. In the 1997 PBS documentary Record Row, Vee Jay artist Jerry Butler described the traits that helped Abner thrive in the business: Not only was he a genius in terms of marketing and merchandising. Ewart Abner was one of those guys who could stay up for three or four days at a time and just entertain people and hypnotize em and draw them into his spirit. The executive also studied how independent white labels like Chess and Atlantic Records found success with Black R&B acts. He had no doubt that Vee Jay could do the same.

A World War II veteran, Abner had joined other Black servicemen protesting segregation on and around the Tuskegee Air Force base. The experience forged his determination to resist the constraints of an American music industry that expected record companies to produce Black music exclusively for Black radio and Black consumers. I dont understand and I dont accept limitations, certainly not based on my color. What does that have to do with anything? Abner said in a 1995 interview for the Smithsonian Institutions Black Radio: Telling It Like It Was series. Thats somebody elses idea of restrictions and limitations, not mine.

As Abners son Tony, a record executive in Los Angeles, explains, [My father] felt that the music business allowed a Black person ... to build financial independence and a power base to reach for some of those higher goals.

At Vee Jay, Abner tapped the robust, national network of Black DJs, distributors and retailers that hed established at Chance. Crucially, he knew how to get Vee Jays records on the radio. In the labels early days, the music industry practice later known as payolapaying DJs to play your recordswas not only legal but common.

My dad was well known in the business and well liked because whenever you saw him, it was good news, says Tony. He came ready to entertain you and wine and dine you and make sure you had a memorable time while he was around. And youd walk away with some money in your pocket.

Money alone didnt win airplay. DJs had reputations to maintain, and the music they played had to be good. Carters younger brother Calvin, the fourth member of Vee Jays core team, took charge of this area, developing the labels artists and producing its records. He was good at picking out talent, says Shelton. He could hear something and say, Yeah, that will sell. Carter also innovated in the studio. I recall The Shoop Shoop Song by Betty Everett, said Butler in Record Row. People often wondered how in the world did he get that sound out of the bass drum. And it wasnt the bass drum, it was people stomping on telephone books.

Over Vee Jays 13-year run, Carter built a roster that left a lasting impact on every genre of American music. After opening its doors on Record Row, a 12-block stretch of South Michigan Avenue, the label signedamong othersblues musicians Jimmy Reed and John Lee Hooker; gospel group the Staple Singers; and Jerry Butler and the Impressions, who recorded what is often considered the first soul record.

As major labels like RCA Victor and Decca realizedthe universal appeal of Black music, some took the exploitative step of enlisting white artists to record copies of R&B songs. Because it was a white artist, they could get it played on white radio and thus get it exposed to the larger universe, which was the general market, Abner said in Black Radio. Sometimes, the windfall for these labels was orders of magnitude higher than what the original Black artists reaped. For example, while Butler was the first vocalist to record Moon River in 1961, it was Andy Williams version that became the standard. Everyone in my office was really upset about that, says McDaniels, describing the reaction of Vee Jays largely African American staff.

Timothy Dowd, a sociologist at Emory University who has written on the rise of R&B music in America, says that major labels adopted the cover strategy to undercut the rising success of independent labels. (These smaller companies lacked the in-house manufacturing plants, distribution networks and large promotional budgets of the multinational conglomerates but nevertheless produced songs that won favor among consumers.) It could almost be like retribution, Dowd says. Oh, youre having a hit with this? Lets put our own version out there. Still, some artistslike Ray Charles, who was represented by the independent Atlantic Recordsrendered this strategy pointless. There was no cover that could beat him, Dowd adds.

Vee Jay witnessed the turning tide firsthand. Gene Chandlers Duke of Earl, a more traditional doo-wop number, became the labels first number one record in February 1962. As Vee Jay found greater success, Abner decided to confront the major labels on their own turf. I can be general market just like they are general market, he said in 1995. Only, Ill do it differently. Instead of covering some white artists, Ill sign some white artists of my own. By November 1961, white artists comprised 30 percent of Vee Jays roster. If we want to stay in business, Abner told Ebony magazine, weve got to stop thinking of ourselves as just a Negro company.

The Four Seasons, an Italian American vocal group from New Jersey, earned Vee Jay the top slot on the Billboard chart twice in 1962. That same year, Vee Jay obtained from EMI the U.S. distribution rights for Frank Ifield, a British Australian performer whose I Remember You reached number five on the charts. Ifields success belied Capitol Records pronouncement that British acts wouldnt sell in the U.S. But Capitol continued to pass on the Beatles.

An oft-cited account of how Vee Jay obtained the Beatles distribution rights suggests the quartet was part of the Ifield dealan extra that EMI threw in. (Calvin Carter recalled it this way.) But Mark Lewisohn, an expert on the Beatles recording history, disputes this narrative. It had nothing to do with Frank Ifield, he says, adding that the January 10, 1963, contract only mentions the Beatles. Abners version of events, shared in 1995, supports Lewisohns:

I had a very astute lawyer in New York named Paul Marshall. Called me on the phone and said, Ab, this group, theyre going to be bigger than bubble gum. Says, Theyre already happening in Liverpool and in England. Capitols got a right to them because Capitol is owned by EMI. Capitol doesnt want to exercise their right. We can get em. I said, Lets get em!

Just over a page long, the contract also granted Vee Jay right of first refusal on American distribution of Beatles records for the next five years. Had things gone Vee Jays way, said Beatles historian Bruce Spizer in 2017, Sergeant Pepper would have been released [by the label].

Please Please Me made a muted American debut. Dick Biondi and WLS in Chicago played the record enough for it to rank on the stations own chart of most played songs, but it failed to break through elsewhere. Vee Jays next Beatles release, From Me to You, received airplay from Biondi, now based in Los Angeles, but the single also failed to chart.

At the time, Louise Harrison Caldwell, sister of Beatles guitarist George Harrison, lived in southern Illinois. According to her memoir, upon witnessing the Beatles poor performance with Vee Jay, she advised the bands manager, Brian Epstein, that without the financial and influential backing of one of the major companies, our little band might as well be nowhere men! (A database compiled by Dowd shows that by the end of 1963, the Four Seasons had charted ten times on Vee Jay, bringing the labels total number of Billboard hits since its inception to 56.)

Vee Jays rapid growth in the early 1960s sparked dissent among the companys leaders. Rumors circulated about Abner using Vee Jay funds to pay off gambling debts; the music executive, in the 1995 interview, maintained that the dispute hinged on how big to get [and] whether to go into debt to get any bigger. ... We disagreed, so I left the company in 1963. Abner added, I expanded beyond our ability to handle, ... built up a staff and a force, which required that we have a certain kind of product and needed capital.

Abner departed Vee Jay just as it was realizing its greatest financial success. The company issued the first Beatles album in the U.S., Introducing The Beatles, on January 10, 1964ten days before Capitol Records, which had by then filed a lawsuit asserting distribution rights for the band, released a separate album of mostly new songs titled Meet the Beatles! Both albums raced to the top of the charts, with Capitols claiming the top spot for 11 weeks, leaving Vee Jay at number two for nine weeks. Full-fledged Beatlemania had finally hit America.

Introducing... The Beatles was effectively the American release of the bands first album, Please Please Me, minus the title track and Ask Me Why, songs that had flopped as the two sides of the Beatles first U.S. single. That left the album with 12 tracks, half of which were covers of songs by Black artists. (The albums closer, Twist and Shout, had been a hit for the Isley Brothers the year before.) Vee Jay also released Twist and Shout as a single on its subsidiary label, scoring a number two hit with the song in 1964. For the B-side of the single, the label selected Theres a Place, which Lennon acknowledged in a 1980 interview was my attempt at a sort of Motown, Black thing.

In April 1963, EMI sent the master recordings for the album to Vee Jay, which had 30 days to exercise its right of first refusal.But the company didnt immediately move forward with the release, in part because the Beatles werent a priority but also because of cash flow problems. EMIs U.S. representative, Transglobal, unilaterally terminated Vee Jays licensing contract in August 1963, after plans to print 6,000 copies of Introducing The Beatles stalled and the company failed to pay royalties to either Ifield or the Beatles. In a telegram to the label, Transglobal demanded that Vee Jay immediately cease manufacture and distribution of any and all records containing performances of Frank Ifield or The Beattles [sic]. As far as EMI and Capitol were concerned, this note reverted American distribution rights to Capitol and provided the legal basis for Capitol to sue the independent label in January 1964, when Vee Jay rushed out over 80,000 copies of its album to capitalize on Beatlemania.

Vee Jay immediately countersued, arguing that its distribution agreement was still in force. But a procedural blunder by the labels lawyer led a court to temporarily ban Vee Jay from issuing Beatles records, as Spizer wrote for Goldmine magazine in 2010. Over the next several months, the Beatles historian added, the injunction would be lifted and reinstated over and over again, thus undermining the companys ability to get its Beatles records into the stores.

In April, the parties reached a court settlement that allowed Vee Jay to continue issuing records from the 16 master recordings already in its possession through October 1964; after this date, full American distribution rights reverted to Capitol.

Vee Jay realized unprecedented profits in 1964, putting out records by the most popular band in the world. Though the label didnt allow the Recording Industry Association of America (RIAA) to audit its books during the 1960s, Spizer later obtained the sales data from Vee Jays comptroller, leading to the 2014 certification of Introducing... the Beatlesand three other Beatles singles issued in 1964 as platinum (over a million units sold).

At the peak of Vee Jays success, in August 1964, the labels new president, Randy Wood, met the Beatles backstage at the Hollywood Bowl and presented them with the companys own version of the RIAA gold records (over 500,000 units sold). Marsh writes, One wonders whether the Beatles were struck by a Black man being the president of their previous record label.

From these heights, Vee Jay made a rapid descent into ruin. In 1965, the Brackens called Abner back in a desperate bid to save the company. Vee Jay had by then moved to Los Angeles, where it watched its gains evaporate from mismanagement. But it was too late. The label filed for bankruptcy in 1966. Abner joined Motown as an advisor to founder Berry Gordy and later as the companys president. Carter returned to Gary to DJ, while her brother continued producing. Bracken launched an unsuccessful label, and he and Carter got divorced.

How big could Vee Jay have become if it had been better positioned financially to capitalize on the Beatles popularity? And how exactly did Vee Jay contribute to the Beatles success?

The popular story of how Beatlemania arose in America revolves around a white teenager in Washington, D.C.who asked local DJ Carroll James to play the bands I Want to Hold Your Hand on the radio in December 1963. He did, and listeners went wild. Vee Jays role in the Beatles ascent to superstardom is lesser known. But the fact remains that the Beatles first album in America was released by a Black-run label and consisted of six covers of songs by Black artists. Black radio and Black disc jockeys are more responsible for todays music industry than any single factor, said Abnerin 1995. Without [them], there wouldnt have been, in our view, rock and roll.

Vee Jay laid the groundwork for the Beatles, and it was Abner who literally handed Biondi the Beatles disc in February 1963. As the DJ told NPR in 2013, [Abner] came up, and he was bringing his latest releases. And he handed me one, and he said, Dick, listen to this. This is a group from England. You might like it. I listened and I played it that night, and it was on.

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The Black Record Label That Introduced the Beatles to America - Smithsonian

Prince Andrew quit royal duties in November 2019, two months before the Sussexes.

His royal patronages and titles weren't removed until January 2022.

Amanda Matta said Harry and Markle faced swift consequences as they undermined the family's image.

It took Buckingham Palace two years to oust the Duke of York the same way it did the Duke and Duchess of Sussex.

Royal watcher Amanda Matta who makes educational videos about the royals on TikTok and has more than 612,000 followers thinks the timing is telling.

Prince Harry and Meghan Markle announced their step back from royal duties in January 2020, citing financial independence as the reason. They stopped using their HRH titles later that year, and their royal patronages and military titles were removed in January 2021.

Prince Andrew stepped back from royal life in November 2019 after his BBC "Newsnight" interview, where the prince was questioned over his alleged involvement in Jeffrey Epstein's sex-trafficking scheme.

Prince Andrew appearing on "Newsnight" with Emily Maitlis.BBC Newsnight

Although Andrew left royal duties before the Sussexes, his royal privileges were removed one year after Harry and Markle's.

Andrew's royal patronages and military titles were removed in January after he was faced with a sexual-assault lawsuit from Virginia Giuffre, who alleged that Epstein forced her to have sex with the prince when she was 17. A royal source told Insider at the time that the prince would also no longer use his HRH title.

Andrew has long denied the allegations, having previously said he never met Giuffre.

They reached an out-of-court settlement for an undisclosed sum on February 15. The amount was to be donated to Giuffre's nonprofit advocating for victims of trafficking. Andrew did not admit to any of the accusations against him.

"The royal family will only be proactive in doling out consequences for those it sees as seriously undermining their image," Matta told Insider.

Story continues

Matta said that while it took the palace more than two years to take Andrew's alleged transgressions seriously, "their retribution against a prince who married an outspoken Black American woman was swift and exhaustive."

"They didn't take the allegations about Andrew as seriously as they took Harry and Meghan's departure... until it became clear that Andrew's behavior wasn't able to be swept under the rug," Matta said.

During a charity event in January 2020, Harry said that his initial hope was to "continue serving the Queen" and his military associations, but was told this wouldn't be possible without public funding.

In an interview with Oprah Winfrey in March last year, the couple said that the racism Markle faced by the British tabloids played a "large part" in their decision to leave royal duties and move to the US.

The Sussexes also said they faced racism within the royal family, telling Winfrey that an unidentified member expressed concerns over how dark their son Archie's skin would be. Winfrey later said that although Harry wouldn't confirm which royal made the comments, he told her it wasn't the Queen or Prince Philip.

In a statement addressing the couple's exit in January 2020, the Queen said she recognized "the challenges they have experienced as a result of intense scrutiny."

"I want to thank them for all their dedicated work across this country, the Commonwealth and beyond, and am particularly proud of how Meghan has so quickly become one of the family," the Queen said in the statement.

Royal commentator Kinsey Schofield told Insider that the nature of both Andrew's and the Sussexes' exits can be explained by individual circumstances.

"Prince Andrew is the Queen's son and has stressed to the Queen along with the rest of the family that he is not guilty of what he is being accused of which is why his exit has not been so abrupt," Schofield, founder of the royal blog To Di For Daily, told Insider.

"Harry and Meghan chose to leave, and they chose to leave when they did and how they did," Schofield added.

Buckingham Palace and representatives for the Duke and Duchess of Sussex declined to comment when contacted by Insider.

Read the original article on Insider

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A royal watcher says Prince Harry and Meghan Markle were ousted before Prince Andrew because they undermined the family's image - Yahoo! Voices

Decentralized finance has been evolving according to the trend, and people have started to adapt to the newest technology that eliminates traditional finance. The impact has been huge, and many people, including women, have joined decentralized finance.

The blockchain is open-access and inclusive to anyone around the world. However, this is a once-in-a-lifetime opportunity for women to break free from patriarchal customs and take charge of their own lives.

Likewise, it can be difficult to break into the crypto markets and the decentralized finance (DeFi)financial system. Until recently, the crypto markets were controlled by men, but that is changing. DeFi has changed everything and has made access to everyone. Women have the potential to have a significant impact on a market that is poised to become the next major engine of financial innovation. Even though men started to fix their financial troubles with decentralized finance, women would be equally benefited by this system.

DeFi Financial Products

One of the basic tenets of decentralized finance is peer-to-peer (P2P) financial transactions. A P2P DeFi transaction is one in which two people agree to exchange cryptos for goods or services without the involvement of a third party. Consider how you obtain a loan from centralized finance to comprehend this completely. First, you'd have to apply for one at your bank or another lender. You'll have to pay interest and service fees to use that lender's services if you're authorized.

Here, DeFi peer-to-peer lending does not rule out the possibility of interest and fees. However, because the lender can be located anywhere in the world, you'll have a lot more possibilities.

In DeFi, you'd enter your loan requirements into a decentralized finance application (dApp), and an algorithm would match you up with peers that matched your requirements. After that, you'll have to agree to one of the lender's terms in order to get your loan.

Moreover, the transaction is recorded in the blockchain, and you'll get your money once the consensus mechanism has verified it. The lender can then begin collecting payments at the agreed-upon intervals from you. However, when you make a payment using your DApp, it goes through the same blockchain process, and then the money is transferred to the lender.

DeFi-a new beginning

DeFi is a novel concept, but it marks a significant shift in the way money is exchanged. DeFi has a wide range of possible applications since it can connect people in ways that no other financial technology can. This provides a new way for women all around the world to participate in the DeFi ecosystem as both developers and users. Since the blockchain hasn't begun its invasion, and many people do not have the knowledge to begin with the DeFi.

However, as crypto becomes more mainstream, people are becoming curious about how blockchain technology, crypto, and DeFi fit into a broader investment strategy and how the market operates. This creates a greater opportunity for women to get into an industry where men have already made their mark. Women use this opportunity to bring education and other things regarding DeFi to many other women entrepreneurs. Likewise, some of these women are working to transform how blockchain and decentralization are used in underserved communities all across the world, challenging our assumptions and breaking new ground.

Economic Freedom

Many people are taking this as an advantage and turning towards the blockchain as a way to get around restricted traditional monetary systems and gain more control over financial opportunities for themselves, their families, and their enterprises.

Decentralized finance enhances transparency, accessibility, and equality. It maintains a borderless system that allows everyone to have equal access.

To make it precise, the blockchain empowers women to participate in a sector that allows them to determine their financial independence. Everyone now has access. Women all throughout the world must take note and seize this opportunity to fight back. DeFi is similar for both men and women. At the same time, men have started to dominate, while women are trying to make a mark here.

Women into cryptos!

Women have been fighting for something huge, and they are equal to men. While domination is something different, it never allows women to find a way in. Here, you can get to know about the evolution that is making a mark from an industry expert.

Kinjal Shah is a Blockchain Capital senior associate and a supporter of the Komorebi Collective, which helps female and nonbinary crypto businesses. She believes that the new financial system can be established in a different way, and she wishes to see more women and minorities join the trillion-dollar business. "I want more women to be sharing a piece of that pie if this is the future of finance," she said. From the exterior, crypto has a pretty masculine appearance. I know so many ladies now that I'm on the inside."

Decentralized finance sets everything aside, and it is common with both genders. Women are trying to fit into society and try to bring a change to the system that might help the most underprivileged. They have real support and can bring real change that might create equality. Time to make a go and learn more about decentralized finances and get into the act. Let us study the features and benefits of decentralized finance.

The Future

DeFi is the seed that could bring something in the future and make an impact in the society that is divided with the financial troubles and others, making women and men fight for a system that has started to evolve. The future is what it should be, and decentralized finances have been growing a way ahead, and many women have started to take something that belongs to them and fix their financial goals. There would be equality around the globe, making men and women take care of the decentralized finances. DeFi overshadows the traditional system and makes way for a new financial system that could help the underprivileged in terms of men and women.

Conclusion

DeFi is the future, and the goal is clear. It is equality, and many have started to feel that such a society is already developing, making it count.DeFi development solutions help you set up a DeFi and rule the financial system. Start your DeFi development to reach greater heights. It can also be created with the help of firms that excel in the domain of blockchain and cryptocurrency. Turn your crypto dreams into reality by approaching these entities.

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Overcome Traditional Finance with women empowerment towards the Decentralized Finance - Finextra

The amount of financial content available online is staggering. Along with articles and videos, there are countless podcasts devoted to

The amount of financial content available online is staggering. Along with articles and videos, there are countless podcasts devoted to helping you pay off debt, invest wisely and retire comfortably.

Personal finance podcasts are available on apps such as Apple Podcasts and Google Podcasts or through music streaming services like Spotify and Amazon Music. Topics can range from money basics to advanced investment strategies, and these podcasts can be formatted in a variety of ways. They may feature listener questions, expert interviews or casual banter between hosts.

If you feel overwhelmed by your choices, here are a couple top picks to get you started. Of course, which show youll like depends largely on your interests and preferred format.

How to Money

The Financial Confessions

Beginner to Buyer

ChooseFI

Robinhood Snacks

Marriage Kids and Money

So Money with Farnoosh Torabi

Your Money Briefing

Jill on Money

How I Built This with Guy Raz

[SEE: 10 Best Money-Saving Apps.]

How to Money

Listen for: Money advice and information geared toward millennials.

Published as part of the iHeartPodcast Network, How to Money is a good choice for anyone who is trying to get a handle on their finances for the first time. Millennial friends Joel Larsgaard and Matt Altmix talk about issues such as navigating credit scores, negotiating a higher paycheck and buying a home, often while enjoying a beer together.

How to Money publishes multiple episodes a week, and most run between 30 to 60 minutes. Some shows are dedicated to answering listener questions or delving into a single topic, while others include special guests. For each Fridays episode, Larsgaard and Altmix review the weeks financial headlines.

The Financial Confessions

Listen for: Practical tips and an inside look at how others manage their money.

The Financial Confessions comes from website The Financial Diet, which pegs itself as a destination for women to talk about money. However, the podcast largely covers topics that are applicable to everyone, and episodes have delved into cryptocurrency, resumes and travel hacks.

We started using The Financial Diet because it was one of the few sources that felt like it acknowledged our finances realistically as a whole, says Lizzy Vela, a listener from Jenison, Michigan. For instance, she appreciates that the podcast doesnt take a strict no-debt stance and recognizes that everyones situation is unique.

Hosted by Chelsea Fagan, most episodes of the The Financial Confessions clock in at just more than an hour and feature an interview with an expert.

Beginner to Buyer

Listen for: A rundown on the homebuying process for newbies.

If youre ready to jump into the housing market as a first-time buyer, Beginner to Buyer is the podcast for you. Presented by Chase and hosted by Nadeska Alexis, episodes include a mix of interviews with actual home buyers and real estate experts.

Beginner to Buyer does a good job of succinctly relaying information. Each of its 10 episodes focuses on a different part of the homebuying process, and all are about 30 minutes in length.

ChooseFI

Listen for: Advice and inspiration to achieve financial independence.

FI, which is short for financial independence, is a movement focused on optimizing finances so people dont have to be tied to a job to pursue the interests they want. In the ChooseFI podcast, hosts Jonathan Mendonsa and Brad Barrett share their personal experiences while also discussing topics related to achieving financial independence.

Most episodes run from 45 to 60 minutes, and many feature guests. These include interviews with finance professionals as well as people who have achieved their own financial independence.

[READ: Comparing Financial Strategies: FIRE, 50/30/20, Bogleheads and Ramseys Baby Steps.]

Robinhood Snacks

Listen for: Latest headlines about publicly traded companies.

Originally founded as MarketSnacks in 2012, this podcast was acquired by investing platform Robinhood in 2019. Rebranded as Robinhood Snacks, it retains its original format and hosts.

Each day, Jack Kramer and Nick Martell run through three business stories using a quick and snappy format. Episodes run for only 15 minutes, making them a quick listen during a short commute or when listeners have a few minutes to spare. Although the podcast is not intended to guide investment decisions, anyone buying and selling stocks is sure to find it interesting.

Marriage Kids and Money

Listen for: Financial content from a parent in the trenches.

Raising kids can add a wrinkle to money management, and the Marriage Kids and Money podcast addresses some of the special challenges faced by parents. However, much of the advice offered on this show can also apply to singles and couples without children in the picture.

Host Andy Hill started the podcast after his job underwent a significant change. At the same time, as a young father, he was looking for an outlet where he could connect with others as well as grow personally. Thats when Marriage Kids and Money was born, Hill says. My goal, then and now, is to help families build wealth and happiness.

With more than five years of podcasting and 300 episodes behind him, Hill has tackled topics ranging from paying off a mortgage early to becoming a young millionaire. Plus, there is advice on managing money as a couple and raising money-smart kids. Episodes can run from 45 to 60 minutes, and many shows include expert interviews.

[What Parents Should Know About Children and Taxes]

So Money with Farnoosh Torabi

Listen for: Big-picture discussion about financial topics.

With more than 1,300 podcast episodes under her belt, Farnoosh Torabi has plenty of shows about everyday topics such as buying a house and saving for college. However, where So Money really sets itself apart from other podcasts is in its willingness to have deeper discussions about the financial landscape. These include shows dedicated to building wealth in the black community, the education gap created by the COVID-19 pandemic and the proliferation of the marijuana industry nationwide.

Torabi has hosted guests such as singer and actress Queen Latifah, fashion consultant Tim Gunn and businessperson Barbara Corcoran. Each week, the host publishes a show dedicated to answering reader questions. While So Money packs a lot of content into its episodes, they run only about 30 minutes, which makes them easy to fit into listeners busy schedules.

Your Money Briefing

Listen for: Short and sweet explanations of economic and finance topics.

Produced by The Wall Street Journal, Your Money Briefing tackles a different topic every day. In 10 minutes or less, host J.R. Whalen talks with Wall Street Journal reporters and other experts to address issues such as inflation, student loans and job hunting in a pandemic. A new episode is issued every week day.

Its a favorite podcast of Elizabeth Reidel, managing director and national director of SIFMA Foundations Stock Market Game Program, which teaches children the fundamentals of investing.

For our Stock Market Game participants, we value Your Money Briefing because it breaks down seemingly complicated personal finance topics into easy-to-understand segments, Reidel says. It also reinforces our curriculum with experts insights into the financial markets in an approachable, digestible format.

Jill on Money

Listen for: No-nonsense answers to real-world financial questions.

Published daily, most episodes of the Jill on Money podcast sound like a call-in radio show with host Jill Schlesinger providing financial advice to listeners. These short shows can be heard in 10 to 20 minutes, making them good fillers for when you have a little extra time in your day.

Schlesinger, a certified financial planner, covers topics such as investing, buying rental properties and evaluating financial advisors. Some shows include interviews or commentary about financial news. The Jill on Money podcast will likely be most beneficial for listeners with higher incomes and asset levels.

How I Built This with Guy Raz

Listen for: Inspiring stories about entrepreneurs who found success.

This is another of Reidels top picks for a financial podcast. Guy Raz interviews the founding entrepreneurs about their rise to prominence and the roadblocks that forced some to start from scratch, she explains. Reidel recommends it to teachers and students participating in the Stock Market Game since financial markets play such a key role in many entrepreneurship stories.

However, anyone who is interested in starting a business could benefit from adding How I Built This to their playlist. Episodes are typically 60-80 minutes and featured business owners from a cross section of industries, such as Brian Armstrong of Coinbase, Roxanne Quimby of Burts Bees and Stacy Madison of Stacys Pita Chips.

More from U.S. News

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Some of Best Personal Finance Podcasts to Listen to in 2022 originally appeared on usnews.com

Update 02/17/22: This story was published at an earlier date and has been updated with new information.

Original post:

Some of Best Personal Finance Podcasts to Listen to in 2022 - WTOP

ALBANY One immigrant community has reached out to welcome another through a universal language:

Members of Guru Nanak Darbar Sikh Temple in Niskayuna prepared and served lunch to Afghan refugees at an Albany-area hotel on Monday.

People came down and briefly mingled in the impromptu soup kitchen before loading up their trays and heading back to their rooms.

Paul Uppal, president of Guru Nanak Darbar, said refugees who were relocated to Albany following the collapse of the Afghan government last year face the same issues as anyone else who has been quickly forced to flee their native soil: Loneliness, social isolation and a lack of clothing, personal care products and financial independence.

Its the typical problem of trying to assimilate in a land far away from home, Uppal said.

On Monday's menu was vegetarian Indian and Pakistani cuisine.

The lunchtime banquet was a collaboration with the Troy YMCA, Regional Food Bank of Northeastern New York, the Albany Hindu Temple and Tri-City India Association.

Volunteers at the Sikh Temple prepared their food out of love and respect for their refugees, Uppal said, and they will continue to provide assistance.

Organizers also made colorful garb available to youngsters, who happily darted throughout the hallways.

Fifty-one Afghan refugees are being temporarily housed at the location before they can be placed in other lodging, officials said.

Guru Nanak Darbar parishioners and officials also make periodic drops of uncooked food to other families in the Capital Region, said Gurinder Garcha, a volunteer who helped organize Mondays event.

The Albany field office of the U.S. Committee for Refugees and Immigrants (USCRI) has resettled over 300 Afghan evacuees since September.

Yet their escape from the war-torn country, in many ways, was only the beginning of the path to security. Evacuees have only been issued temporary status that expires two years from their date of arrival.

USCRI officials said the lack of a direct path from temporary status to permanent residence leaves them vulnerable at the end of that two-year period.

Finances also remain a challenge beyond immediate resettlement needs.

As an antidote, advocates and politicians are lobbying for the Afghan Adjustment Act, a bill being floated around Congress that would create a pathway to permanent status for Afghan evacuees.

Fatima Mukhtar, board member of the Al-Zahra Islamic Center in Voorheesville, said the new arrivals are integrating into U.S. life with the help of the center.

The recently-resettled people, she said, benefit from gleaning experience from people who arrived at different times, and thus are at different stages of the assimilation process. Weekly programming is also available at the location.

Mukhtar emigrated to the U.S. three decades ago. A subsequent wave of refugees came in the early- to-mid 2000s.

They have various different levels of experience that they can build off of and that strengthens the community a lot, Mukhtar said.

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Sikh community reaching out to Afghan refugees through hot meals - Albany Times Union

The BitQT app is an exclusive and unique tool that can help you manage your cryptocurrency profits and losses. It is a feature-rich platform with a sleek and simple interface.

In recent years, Bitcoin has surpassed many other financial and digital assets to become the worlds most popular cryptocurrency. Bitcoin reached an all-time high of $65,000 in April 2021, and it is expected to hit $100,000 by the end of 2022. As a result, trading cryptocurrency is clearly a viable alternative for anyone trying to make money.

Despite the various potentially profitable opportunities in the market, it can be difficult to trade Bitcoin and effectively and efficiently appraise the markets if you do not know how to trade Bitcoin. Heres a solution that can help you solve this problem: BitQT App that you can easily access from this link https://thebitqtapp.com/de

BitQT App: What is it?

The BitQT app is a cryptocurrency auto-trading robot that assists users in locating the finest transactions in the cryptocurrency market. This is true for both trading specialists and people with no trading abilities or understanding.

The BitQT App has helped many individuals achieve financial independence, and you can now use it to earn significant profits on your investment. Simply depositing a minimum of 250 and investing for 30 days utilising this approach may earn you up to 1,267.

The BitQT app enables traders and investors of all levels to profit handsomely from Bitcoin investments. Using the sophisticated and advanced programme, you may easily double, treble, and even quadruple your assets. The BitQT app enables all traders to generate a real income passively by using the multiple possibilities available in the Bitcoin market.

How Does the BitQT App Make Money?

The BitQT app is a very popular, award-winning, and creative Bitcoin trading programme. Its success is due to its exceptional accuracy in anticipating Bitcoin price changes and generating successful transactions on a regular basis.

BitQTs automatic traders are always active, evaluating the cryptocurrency market to identify attractive trading positions, ensuring that you get the most out of your crypto investments.

You just need to sign up for free today and start making money on a daily basis. Join the thousands of traders across the world who use the BitQT App to trade cryptocurrencies and have already improved their financial life.

What is the Big Deal About BitQT?

You can earn money by trading cryptocurrencies and take advantage of special BitQT features. They are committed to your success, which is why they have ensured that this programme has the most advanced trading capabilities available today.

1. Software with an Easy-to-Use Interface

Their software interface was created to be as user-friendly as feasible. Even individuals with no prior trading expertise will find the interface simple to use.

2. Security and Safety

They have put in place top-notch security methods and systems to reduce the danger of fraudulent behaviour. You may be certain that your savings are well-protected at all times.

3. Trustworthy Broker Partners

They have researched the trading brokers with whom they have agreed to collaborate. Their broker partners list only includes trustworthy brokers. This guarantees that their customers have the greatest trading experience possible and that their investments are safe and secure. Furthermore, their broker partners provide a variety of benefits, such as educational materials, high-level customer service, and innovative trading tools.

4. Completely Free

There is no fee to use this advanced trading programme. There are no transaction fees or hidden costs.

5. Cryptocurrency Exchanges that are open 24/7

The bitcoin markets are open for business 24 hours a day, seven days a week. With its automatic trading system, which executes successful transactions on your behalf 24 hours a day, 7 days a week, they ensure you dont miss out on any possibilities.

6. There are a plethora of cryptocurrencies available

You will be able to pick from a wide range of cryptocurrencies.

7. Customer Support

Their customer support team is widely regarded as one of the best in the business. You may be confident that all of their personnel will be informed, professional, and eager to assist you.

What Are the Benefits of Trading Cryptos Through the BitQT App?

You may begin trading Bitcoin (BTC) and other cryptocurrencies with no prior understanding of cryptocurrencies or trading expertise with the BitQt app. Here are a few advantages to think about:

One of the most significant benefits of trading with the BitQT app is that you may achieve financial independence in the shortest amount of time. Some of their clients made their first million dollars within the first few months of investing with them.

Profits can be made as soon as you make a deposit. You can make at least 1,000 every day with the BitQT app.

Trading for Passive Income Bitcoin is automated using the BitQT programme, which means you can earn money while doing very little. Make a deposit, and the app will take care of the rest.

The BitQT App allows you to trade Bitcoin on your mobile phone with simplicity. As a result, you may enjoy the apps ease and flexibility at any time and from any location.

Steps for Registering with the BitQT App

It is simple to sign up on this platform. Simply provide your full name, email address, and phone number, as well as a password, to get started. After you enter these data, you must validate your email address and log in to your account. You will then have immediate access to the BitQT trading interface, letting you to become acquainted with the system.

You cannot, however, begin trading cryptocurrencies with BitQT until you have deposited the required minimum of 250. These funds act as your trading capital, allowing you to start trading and benefiting from a wide variety of cryptocurrencies.

It is simple to become a member of the BitQT community. Without any prior understanding of cryptos or trading expertise, you may begin trading Bitcoin (BTC) and other cryptocurrencies. So, begin your path to financial independence now by registering using your phone, computer, or tablet.

This article and website does not offer financial advice. It is offered for information purposes only.

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BitQT App Review Is it Worth an Investment? - Robotics and Automation News

Life, especially family life, is impossible without financial planning. Money and its distribution play an important role because there are unforeseen expenses in addition to current costs, and there are also wants and goals in the long run, which will not earn themselves.

A family budget is the total of a familys actual income and expenses over a specific time. Payment includes all sources of income: wages, benefits, pensions, part-time jobs, interest on deposits, rental income, cashback on bank cards, support from relatives, etc. What if you need $2000 fast? Then you can take advantage of current offers from lenders.

Expenses are everything a family spends money on, from required mortgage payments and utilities to public transportation. Expenses are divided into:

Also, expenses can be systematized by frequency: annual, monthly, weekly, daily, seasonal, etc.

Personal expenses of each family member are also considered in the family budget.

The main thing in managing a family budget is the ability to negotiate. All family members must understand the importance of financial planning and participate in it. You also need to determine who will be the chief accountant. It is the first step.

How U.S. families manage their budgets? Americans spend an average of $21,409 on housing 30%. Transportation takes away $9,826 14%. Other spending items:

When it is possible to reach an agreement in principle, decide how to divide the family budget. It can be done in any of the following ways, considering the income structure and possible reasons for conflicts.

All money is shared.

Pros:

Cons:

Conditional Joint Budget: All family members incomes are added up for everyday expenses, with some of the money earned each keeps for themself.

Pros:

Cons:

Each family member manages their income. Ordinary expenses are paid in turns or shared.

Pros:

Cons:

Misunderstandings or low responsibility may result in someone not being willing to meet their following financial obligation. In the case of unequal income, this model can lead to conflicts.

Only one member of the family earns.

Pros:

Cons:

If some budgeting format doesnt work for you, you can try another.

Preferably yes. Drawing up a family budget considering its members personal needs will help maintain a comfortable psychological climate because everyone will be able to spend a certain amount of money in their way. On hobbies, gifts to loved ones, different wants. Children need pocket money, even in small amounts, so they learn how to handle it.

So, you have decided to engage in financial planning. The algorithm is as follows:

The most important thing to do is to fix income and expenses.

Despite the similarity in the structure of income and spending, the situation in families may differ. However, some universal tips will help you save money:

Working with the family budget is a means to an end, not an end usually.

Talk about what youre unhappy with while trying not to shift all responsibility for the cause of the disagreement onto partners. Coordinated management of family money will reduce the degree of tension.

Be sure to keep personal money for each family member: even if hes not working, hes still entitled to some financial independence. Look for additional sources of income.

A large percentage of families dont keep a budget for a good reason. It allows you to establish financial stability and meet your goals. Systematizing expenses and income is not as difficult as it may seem. The main thing is to agree on whether the budget will be shared in whole or in part, choose common financial goals, and regularly monitor cash flow.

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Top Bits of Advice for Couples to Manage Finances - The UK Time