Avoid Tapping Into Your Retirement

Contributed article in our financial series. Enjoy! – Kimberly

A hefty 401(k) is in an important part of building your retirement nest egg. The best way to keep it viable is to never dip into it for any reason. Of course, emergency situations may arise over the years. However, you really need to have another financial source available when and if that situation arises. Credit cards are the traditional go-to, but if unavailable due to bad credit the next option to consider is to apply for a bad credit installment loan online. Though debt is never ideal, it’s better than the alternative; remember, tapping into your 401(k) savings may be more costly than you know.Continue reading

You May be Due for a Sabbatical

Enjoy this contributed post provided by Discover. – Kimberly

When’s the last time you were able to take enough time off to feel like you really were refreshed? Unfortunately if you’re like too many people, it’s been too long. Take this statistic into consideration: While time off has generally increased for most workers, vacation use has not kept pace. So we’re earning more vacation, but taking less vacation—in fact in just 2016, we left over 662 million vacation days unused. And that number hasn’t decreased over the years; it’s increased. The result is a workforce that’s stressed out and unproductive, in addition to spending too many hours in the office. But there’s a solution that you might want to consider: a sabbatical. Think of a sabbatical as a vacation, but only longer (and sometimes unpaid). A sabbatical is generally more time off—at least several weeks if not more—that an employee uses to pursue travel or some other endeavor. What else does it entail? This graphic explains it.

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How to Tap Into the Need for Work-Life Balance

Enjoy this guest post, written by Avery Phillips. – Kimberly

Phones and laptops make us constantly available to work. This makes it easy to lose the clock-off time of 5 p.m. and find yourself working long into the nights and weekends. When your work-life balance gets off-kilter, you lose many valuable things, including your time, attention, and maybe even your health.

Overworking is known to lead to mistakes, stress, and overall deterioration of your wellness. In this article, we’re going to talk about the struggles to maintain a healthy work-life balance while balancing family and personal needs. We’ll also cover what you can do about it.Continue reading

Your Credit Impacts More Than You Think

Contributed article in our career series. Enjoy! – Scrappy Kimberly

When was the last time you checked your credit status? If it’s been more than six months to a year, you may want to make this a priority. Though it may not seem like a big deal at the moment, as companies begin to become increasingly dependent upon credit to determine eligibility for products and services, a poor credit history could mean the inability to get even some of the most basic things.

Don’t believe it? Here’s how a negative credit rating can impact your life.Continue reading

Complex Systems View at the Emergence of Communication from Cells to Societies

Contributed article in our business series. Enjoy! – Kimberly

The unifying theme of this book is that communication is an underlying fabric of life, as fundamental as matter and energy are to our world and, more importantly, to our understanding of the world.  This book is also a non-exhaustive account of interesting, out of pattern communication and social behaviors that we can observe in animals, or in the biological world; among us, humans, and between us humans and other species.

While we know that communication is fundamental to life, in any form or shape it comes on our planet, the goal of this book is to show that there are aspects of communication that can be universal and transferable from one species to another and that it is what enables collective behavior in social animals and humans. At the same time, there are aspects of communication that are unique to each species or ecosystem, that communication has evolved both alongside the genetic evolution, the social evolution that is characteristic to a subset of living species, and the cultural evolution that is characteristic not only to humans, but also to whales, dolphins, primates, elephants, and many more.

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3 Tips for Women Entering the Welding Field

Contributed article in our career series. Enjoy! – Scrappy Kimberly

Fields like welding can seem challenging for women. While it does have its fair share of challenges, times are changing and more and more women are considering a career in welding. You may have to navigate a bit differently if you want to prevent incidents and perform to the best of your abilities. With that in mind, here are three tips for women entering the welding field. Image Ref: Royalty Free Photo

Have the Right Protective Gear

Women have different frames than man. Not only are they often shorter and lighter, but their hands also tend to smaller.Continue reading

4 Wardrobe Hacks for Female Entrepreneurs

When you work in a large corporation you’ll likely follow a dress code, so a few variations on classic outfits can keep you looking professional for years. But when you leave this world behind to go self-employed, a sudden fashion crisis often accompanies the many other challenges of working for yourself. So here are four wardrobe hacks for female entrepreneurs that will restore your sense of style.Continue reading

When My Personal Finances Almost Ruined My Dream Job By Avery Taylor Phillips


I have always been a spendy person. I love to shop (who doesn’t?), and I love to pretend like I can afford that $800 couch I saw on Apartment Therapy. If you give me a credit card, it doesn’t take long for me to fill it up.

Well, when my side-hustle started to pick up steam, I thought I was well on my way to being a professional artist. Sales were increasing, profits were almost matching the income I was making at my day job, and it seemed like my ideal job working for myself was just over the horizon.

Unfortunately, my habits soon caught up with me. This is the story of how I found out (the hard way) that my personal finances ruined my dream job.

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A Book to Restore Hope . . .

Hi! I am Shalini Trefzer, the (first-time) dreamer, writer, and author of The broken gods, now available on Amazon Kindle. Many, many years ago, this book started off as a collection of poems I wrote during a challenging period. Then, the more I wrote, the more I realized that stories are a powerful way to help us identify with people and circumstances very different from us and ours. Which seems like a good thing for the world and times in which we live. Even though the genre I chose was fiction, I have written the book from the perspective of technologists, of whom, I am one. The journey of the characters starts in the Silicon Valley and the rest, I invite you to explore for yourself!

In the book are many projects and initiatives which can be (and in some cases, are being) run to help our world. If one of them grabs your fancy, please reach out to me to explore potential collaborations.

With love and gratitude, from Basel, Switzerland. – Shalini Trefzer

A New Era of Corporate Social Responisibility

Today, socially responsible companies tend to attract more consumers as well as the best talent, according to a 2015 global corporate social responsibility (CSR) study by Cone communications, a public relations and marketing company headquartered in Boston, NY. The study revealed that consumers are increasingly demanding companies do more to address global social issues (including gender and other diversity inequities), as well as environmental issues. Specifically, 90% of the consumers who took part in the study said they have come to expect companies to participate actively in CSR activities while 84% said they actively seek out responsible products. See the infographic below for all of the details.

To learn more, check out the infographic above created by Norwich University’s Online MBA program.