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

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How Can More Women Ascend to Executive Positions?

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

The lack of women in executive positions is a societal problem that needs systemic action in order to change. According to an infographic by Ohio University, women make up 50 percent of the American workforce, but only account for 16 percent of executive teams. While this number is an affront to women everywhere, women are not the only ones who suffer from this disproportionate population of leaders.

Women Improve Diversity

Research shows that companies who prioritize diversity benefit in many ways, including increased problem solving, creativity, problem solving, and increased recruitment and retention. These highly desirable workplace traits are the result of cultivating a work environment that is inclusive, which is attractive to good job candidates. Inclusive workplaces are often recognized as progressive and forward thinking due to the unique culture, opinions and ideas of people from different backgrounds, which helps to increase the successfulness of any company.

Women are not ascending to C-suite positions, but it‘s not for lack of trying. There are many forms of institutionalized sexism that prevent women from receiving the same opportunities that go to men, such as distribution of scholarships and the availability of jobs post graduation. In order to balance out the genders of these positions, it’s important to make deliberate motions towards this goal. This includes targeted recruiting, a transparent and supportive HR equality policy, as well as employer-supported continued education.

Ascending to Executive Positions

Education is one of the most important factors for increasing the number of women in positions of power. From 1970 to 2013, the proportion of professional women with a college degree went from 11 to 39 percent. This shows that women are investing in education as it is advocated as the most important step to achieving financial security. Unfortunately the number of women in executive positions has not correlated closely with the number of women earning degrees.

For this reason, companies are responsible for creating more opportunities for women to be involved in upper level management through targeted recruiting and transparent policies. Executive positions have long been filled by men and it is difficult for that to change without purposeful and actionable attention to the issue. Increasing the visibility of women executives is important in providing role models for young women to look up to and make goals to strive towards.

Women bring a lot to the table, and having them in executive positions helps add an important perspective and opinion to business decisions. The various upbringings of minorities, and those who collect life experiences that vary from the standard white male, are helpful in providing considerations that represent company employees and audiences who are minorities. It’s impossible to be inclusive without actually including minorities in upper level management and this is now being recognized as a far-reaching problem. However, by increasing awareness of the disproportionate numbers of women in executive roles and creating initiatives to combat them, women can succeed in C-suite positions and take up the space that has always belonged to them.

ABOUT THE AUTHOR:
Avery Taylor Phillips – Avery is a freelance human being with too much to say. She loves nature and examining human interactions with the world. Comment or tweet her @a_taylorian with any questions or suggestions.  Check out her blog on https://www.equities.com/user/AveryTaylorPhillips

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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

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The Importance of Mentorship for Young Women in STEM

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

There’s a very big, and very important, conversation happening right now around the technology sector. Women are embracing their truths, speaking out, and bringing awareness to the various serious problems that plague male-majority industries.

It’s a conversation that has been long overdue, and it’s bound to lead to some overwhelming changes within the technology (and any other) industry. And it’s certainly true that dismantling the toxic behavior embedding within Silicon Valley culture will help reshape the diversity of the workplace. However, there are other issues still preventing women and people of color from joining the technology field. Continue reading

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Young Community Volunteer Makes a Difference with Autistic Children through Music by Nithya Tippireddy


Whenever we would go to India, my mom would take us to her friend’s house. That friend, who was affected with a form of muscular dystrophy, could only move her feet. I remember first visiting her 10 years ago when she was a shy and naive seven-year-old. I hid behind my mom, staring mortified at her distorted features.

Concerned about the resistance I showed towards this friend, my mother encouraged me at fourteen to volunteer at FCSN, a special needs center, hoping to increase my exposure to the disabled community. I recall being nervous my first day, completely unsure how to react when engulfed by meandering kids who were flapping their wrists and incoherently asking my name. Asked one day to help a young autistic girl use the restroom, I stifled my initial horror at this request and led her inside, soon realizing that yelling instructions from outside the stall doesn’t work. Continue reading

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Scientist Comedian Finds an Algorithm to Bringing Laughter to the World by Vidushi Somani


I stood in front of hundreds of people, worrying that the microphone would slip out of my sweaty hands. Suddenly, my throat swelled up, and my chest became heavy. I took a moment to reflect on how I’d ended up on this stage. This was different from anything I had done before.

For years, I had entertained my parents with stories from school and accents I picked up. My parents would hang on every word, laughing hard. Then they would invite me to perform in front of their friends. Embarrassed at first, I became more comfortable the more my audience laughed. Soon, I was making up stories on the spot, coming up with new ways to embellish and exaggerate to get people howling with laughter. Almost every week, I’d find a new family to entertain. Continue reading

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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

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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.

Continue reading

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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

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