7 Side Hustles for Busy People Who Want to Earn Extra Cash

Contributed article in our business series. Enjoy! – Kimberly

To some people, this is referred to as “moonlighting”. Other people tend to call it their “hobby that pays”. It doesn’t matter what you happen to call your side hustle, it isn’t simply something that will allow you to bring in a bit more cash. Your side hustle can actually be a quite valuable addition to your current career. It can give you the connections and skills that otherwise, you would never acquire. Let’s take a quick peek at some of the side hustles you can do that can earn you that extra money you need. Continue reading

Women in Business – The Legal Art of Self-Defense

Contributed article in our Women’s Health series. Enjoy! – Kimberly

There was a time when women were called the “weaker sex” or the “fairer sex,” both implying that she was too weak to do much about defending herself if the need should arise.

Royalty Free Photo

Things have changed greatly in the past few decades and women are now better armed than many men and can fend for themselves with the right set of ‘tools.’ If you are a woman in business, chances are at some point in your career some ill-advised robber will try to attack you for perceived money or goods they think you might be carrying. Why not focus on learning the totally legal art of self-defense?Continue reading

Body Intelligence – A New Competitive Advantage for Leaders and Decision Making

Written by: Marie-Jeanne Juilland

 

I remember this scenario all too vividly: After a year of intense effort and anticipation, our company painfully pulled the plug on its IPO bid in 2001. The “bubble” had burst.  We had missed the window.

As a member of the executive team, I sat in an offsite turning things upside down, mapping out our stay-alive strategy. All the data had pointed to an IPO win. Was it just a case of bad market timing? Or was there something we could have done differently – some information we had missed along the way?

Along with most leaders who’ve experienced anything on the magnitude of an IPO “miss,” I’d have to say the answer was a bit of both. However, in the years since that IPO experience – as a leader and then as an executive coach – I’ve discovered an additional factor that I feel was sorely missing in our team’s decision making.  I call it “body intelligence,” aka “BQ.”

Common belief says focus on the facts and data.  That’s leveraging “IQ.”  Common belief also says “trust your gut,” or “it’s gut check time.”  That’s BQ. Continue reading

10 Powerful Tips to Write and Sell Your First eBook (SBO) by Scott D.

There are a lot of writers who have succeeded in publishing an e-book. This was not an easy feat though. They had to go through a lot just to come up with something interesting that people would want to read. There were others who have tried publishing an e-book but ended up with failure.

If you are planning to write an e-book for the first time, you need to make sure that you gather your ideas first. People don’t want to read disorganized thoughts or just simple rambling words that don’t make sense. Just because you are an expert in a specific area does not mean you can easily convey your thoughts. You have to tie those words together and arrange them first before people will appreciate what you have written. This will make your e-book more appealing.

Once you are done brainstorming and identifying what to put on the e-book, it is time to start writing. Make sure that you don’t just give information that people already know. Use your unique personal experiences to share with them something that they don’t know yet. This makes it easier for them to like the e-book.

Eventually, if you have succeeded in writing an e-book, you can come up with more e-books in the future and people will still buy what you offer. We have gathered the best tips for you through the image below so that you won’t have a hard time writing an e-book now.

10 Powerful Tips to Write and Sell Your First eBook (SBO)

           

5 Tips for Older Adults During Tax Season

Photo by: Pixabay.com

Does the word “taxes” make you cringe? Do you have April 18th circled in thick, red marker on your calendar? Tax season doesn’t have to be stressful. Before you roll your eyes in disbelief, let’s review the facts. For those who are over 50 years of age, you are well-experienced in this time of year. You have been through enough of them to know what things to avoid and what things to research. However, it never hurts to take a second look at  the world of income tax to make sure you are in the know this season. As things are constantly changing, let’s review just a few points to keep in mind while you conquer this tax season:

1 – Know Before You Go

Are you familiar with the tax benefits that are available to you? If not, do some research before handing your well-earned money over to anyone else. There are very knowledgeable professionals available to help you (not to mention 1099 software, W2 Software, E-File software, and payroll software), but no one knows your situation better than you. For example, did you know that once you retire if you withdraw money from your ROTH IRA, you do not have to pay taxes on that money? Make sure you are well-informed in all of your applicable deductions before you seek help from someone else or file on your own.

2 – Don’t Pay a Fee If It Can Be Free

Beginning at age 50, you have the opportunity to obtain free help when filing your taxes. Instead of paying out of pocket or paying a percentage of your refund, head to an AARP or TCE volunteer who can help you file your taxes at no additional cost to you. AARP and the IRS certified TCE volunteers are located in cities all over the country, and in some cases, they are reimbursed for their expenses, so that you can be provided with some of the best free help there is!

3 – Have Fun With Your Refund

Alright, maybe our definition of “fun” varies a little from what you may be thinking. Financial stability is probably one of the most relieving, and yes “fun,” things you can do. Use your refund check to pay down your debt, invest it into a promising company, or save it in an emergency fund. Smart financial pre-planning will help you navigate your cash-flow now so that you can enjoy the years to come.

4 – The Medical Bills You’ve Paid Are Just a Deduction Away

Medical bills are expensive; you shouldn’t have to feel the weight of those more than once. Did you know you can claim those expenses when you file your taxes? If you or a dependant uses a medically issued device such as a wheelchair, or if you pay for a nursing home, you may find that to be an advantage during the tax filing process.

5 – Before Your Check Is Spent, Save 25 Percent

If you own a small business to help supplement your social security income, make sure you know which tax bracket you will be responsible for. It is good practice to hold back roughly twenty-five percent of each sale you make, so that you will be able to cover your taxes at the end of the year, without making an unexpected dent in your income.

This can be the most stress-free tax season you have ever experienced. Stay informed about the ins and outs of your tax requirements and stay prepared for your future. Whether you are just coming into retirement or you are a seasoned, senior tax-payer, use these tips to allow your money to benefit you in the years to come.

ABOUT THE AUTHOR:
Julie Morris – Ms. Morris is a life and career coach who strives to help others live the best lives that they can. She believes she can relate to clients who feel run over by life because of her own experiences. She spent years in an unfulfilling career in finance before deciding to help people in other ways.
Juliemorris.org | jmorris@juliemorris.org

Introducing Siren Song California … for a Sound Life

Founders Captain Charles Buckner and his very scrappy First Mate, Dr Diane Pennica (inventor of Genentech’s Heart Attack and Stroke drug t-PA, have together launched Siren Song California, a Community Outreach Program in Southern California. Visit their website at http://sirensongca.org/.

Siren Song California’s mission is to leverage the extensive boating network in Southern California to provide a free day of sailing on the ocean (Sound Life Event) to health-challenged individuals, their families and caregivers, and youth development organizations (Siren Song’s VIPs).  Sponsors help provide the boats and meals needed for the VIP Sound Life events.

Captain Charles & First Mate Diane

VIP organizations include Southern California hospitals, veterans groups, human services and local youth development groups.  Sound Life Events are scheduled to start in April, 2017, and support VIPs from Olive Crest olivecrest.org and the Marine Corps League – Southcoast Detachment.

The First Annual Siren Song Regatta will be held off Dana Point Harbor, with four VIP Sound Life Boats included in the race, followed by a VIP awards/recognition ceremony and dinner for all racers and Siren Song sponsors at the Dana Point Yacht Club.

Additional Sound Life events are being scheduled throughout the year.  These events will culminate with a Year-In-Review Banquet to share VIPs’ experiences and highlight planned events for the coming year.  The banquet will include the Founder’s Award presentation to recognize Siren Song’s most active and generous contributor(s).

Siren Song California … for a Sound Life

My Scrappy and Resilient – Driving Strong Results Discovery by Mariellie Rodriguez Mundy

 

A few months back I received an invitation to explore an opportunity (I call it my “shiny object”) to join a Private Equity firm’s platform company as their Chief Financial Officer. The role seemed to meet many of my criteria for great jobs in my career, but most importantly it also had a very high degree of challenge and learning opportunities. I felt that my entire career had led me to this opportunity, and I was confident enough to give it my all.

The first step was an interview with the CEO and several key stakeholders. This was a lengthy process that included several phone interviews, in-person meetings and traveling to meet several board of director members at the firm’s headquarters.

As part of the process I completed various assessments. I’ve done many of these in the past, and have embraced the opportunities for self-awareness that they offer.  But something was different this time. This was the first time that I was scheduled to meet with a consultant as part of the assessment, “the guy from Boston” hired to form an opinion about my ability to meet the requirements of the CFO role.

It makes sense that an investment firm would want to do this kind of research before they make a substantial investment in such a key position. Naturally they’d want to know what kind of professional they are getting.

Fast forward a couple of months . . . on a Friday afternoon I was advised that the investment firm decided to pass on both of the two final candidates, including myself.  Ouch! The “shiny object” was gone. Gone, gone, gone. It was a moment where rejection and self-doubt overwhelmed me.

I was alone in my car driving around aimlessly when I decided to just park. As I sat there I decided to challenge my thinking and acknowledge my emotions. The great thing about embracing the fact that I felt rejected and incompetent was the deeper connection to the many “Why’s?”. I felt an irresistable need to find wisdom in this experience.

Days later, after I had time to process and understand how this experience was going to add value to my journey, I decided to reach out to “the guy from Boston” for feedback. He had met with me in Florida a month prior, and after four and a half hours of intense questioning about my life journey, he had drafted a report for the investment firm. He agreed to a call to debrief with me his assessment.

And this is where my scrappy discovery took place. The headline of his report to the investment firm described me as: “Scrappy and Resilient – driving strong results, will deliver against all odds”

Scrappy, what did he just called me? I’m scrappy? I was referred to as “scrappy” by a perfect stranger, and this was his professional opinion that he shared with a group of investment professionals! Is that even professional?!!

This man just met me, and after four and a half hours he concluded that I was scrappy. “Scrappy” was not what I had in mind as I put on my business jacket, my best watch, and arrived with confidence to meet the consultant from Boston sent to assess my ability to deliver results.

Many experiences have had a great impact in my life and the day I was called a “scrappy one” is one of those. The more I thought about it the more wisdom I found in this scrappy word. A quick google search for the definition of scrappy yielded synonyms such as feisty, tenacious, determined, persistent, dogged, aggressive, and forceful. Dictionary’s provided the following definitions:

“Having a strong, determined character, and willing to argue or fight for what you want” – Cambridge English Dictionary

“A person who is little, but can really kick some ass” – Urban Dictionary (Yikes!)

I thought I would be clever and write about how impactful this word was to me, but then I discovered an entire website with the intention of connecting scrappy women to each other. Led by Kimberly Wiefling, the founder of scrappywomen.biz, here I found a bunch of women who were unapologetic about being scrappy! I couldn’t stop smiling when I found an entire community of other remarkable, inspirational businesswomen who are not afraid to share their scrappy wisdom with others.

During the past few years I have spent a significant amount of time learning about my role as a servant leader and my effectiveness as a conscious leader. I’ve deeply considered my ability to understand the world around me and my ability to make an impact. Here’s what I am absolutely sure of . . . that there is so much more I still have to learn! And nothing excites me more than looking forward to spending the rest of my life learning – learning from others, learning from past struggles, from success, and most importantly from failures. There is so much wisdom in each moment, and every experience we are given is an opportunity for growth.

I am a businesswoman, and an entrepreneur at heart. I’m sure I was born with a shovel in my hand so that I would be ready to assist my father in mixing concrete when necessary. Ever since I can remember I knew what I wanted to do when I grew up. It was simple to me, “I love construction and playing with the cash register.” I wanted to be a top financial executive of a construction firm! I lived my dream for many years, and my heart still wears a hard hat. That heart with a hard hat is eager to explore the next steps and bigger challenges.

After 20 years of a successful progressive career as a finance executive in the construction industry, and most recently CFO of a large national electrical contractor, I have decided to pause for a moment. I am determined to take the time I need to search deep within myself in order to align the second half of my career with my personal values and purpose. As someone in a field and a role where certainty and risks are constantly being evaluated, defined, measured and accounted for, I have decided to embrace uncertainty and take a risk in order to build a legacy of which my children will be proud. This journey is not shaped by a new job or even a well-defined business plan at the moment. It is a fluid process filled with wisdom and inspiration from many sources.

Today I have chosen to challenge my lifelong thinking of what I had previously assumed success looks like. I’m not sure what the future holds, but one thing is certain in a world full of uncertainty – when you are scrappy, you work very hard and will deliver against all odds! I am committed to continue to be a scrappy woman in business with a big servant heart. And I’m thankful to “the guy from Boston” for sharing his feedback.

For many years now I set my intentions for the year around three words to live by.

In 2017 I’m committed to these 2 words: Create, Connect and be Inspired.

I look forward to continuing to serve the industry I love while creating a legacy for my children, intentionally connecting with the community around me, and finding the wisdom and inspiration in each moment.

ABOUT THE AUTHOR: Marielle Rodriguez Mundy was the former CFO of Miller Electric Company.  She is a business professional, who is scrappy and resilient – driving strong results, will deliver against all odds!!  Currently, she started her new venture, she consults for a family own business assisting with strategy oversight, exit and ownership transition from the CFO perspective.

Mariellie R. Mundy, CPA, MBA
The Mariellie Mundy Company
Mmundy@marielliemundy.com
904-608-0080 

 

WHY PUT ON A SHOW IN THESE TURBULENT TIMES? by Pamela Rose


As if spending two years researching, writing, collaborating and rehearsing with extraordinary artists wasn’t challenging enough, lately I’ve been dogged with the question  – why bother, in these turbulent times, to ‘put on a show’?

BLUES IS A WOMAN is a story I can honestly say that I’ve been driven to tell.  The fierce, audacious voices of women in the blues have always inspired me – and of course, carries on the mission of the Wild Women of Song project to honor key women in music.
I began my career as a blues singer: a teenager belting out Bessie Smith and Koko Taylor songs. The fierce, independent messages written and sung by powerful women, helped shape my own identity as a feminist — especially in the mostly-male world of live music in the early 1980’s.

What I did not imagine was just how RELEVANT it all has turned out to be. In Act 2 of BLUES IS A WOMAN, the ensemble turns an eye to post WW2 music and culture.  Everything was changing so fast – as soldiers returned home from the war, there was an uneasy feeling that somehow things should, but wouldn’t, go back to the way they used to be.  Lots of women didn’t want to give up that factory job.  Proud black soldiers couldn’t stomach being called ‘boy’ again.

It was a tectonic shift in American culture – as Aretha sang “Respect” and “Freedom”, protestors took to the streets for Civil Rights and Women’s Rights.  Nina Simone’s “Backlash Blues” is an extraordinary cry against political hypocrisy.

Why put on a show about women and the blues?  Well, as it turns out, there couldn’t be a more important time to remember and celebrate our cultural inter-connectedness.  It turns out this is exactly the right time to celebrate black culture, it’s importance to all popular music, and to hear the voices of powerful women.

ABOUT THE AUTHOR: 
Pamela Rose is a professional musician: vocalist, bandleader, songwriter and educator. While performing weekly in the Bay Area, Rose has also been touring nationally with the Wild Women of Song project, a concert series devoted to giving voice to remarkable women in American music.

Upcoming shows:
Thurs Feb 2 – Angelica’s Redwood City, 7:30 to 9:30 pm
Thurs Feb 16 – BLUES IS A WOMAN show debut – Kuumbwa Jazz Club, Santa Cruz, 7:00 pm
Thurs March 2 – Angelica’s Redwood City, 7:30 to 9:30 pm
Thurs March 30 – BLUES IS A WOMAN CD Release and concert – Freight & Salvage, Berkeley, 8:00 pm
www.bluesisawoman.com
www.pamelarose.com
prosesong@gmail.com

How to Extract Prejudicial Data from a Political Survey by Yael Ben-Shachar?

How can you extract prejudicial data from a political survey? That was the challenge I faced when I began my summer internship with Tobias Konitzer of the Stanford Communications Department. At first, I was unsure about how a mathematician like myself could contribute to a study about politics. But I was both surprised and delighted to find out that math was the secret ingredient in solving the problem.

Before digging into the work itself, I first had to master a challenging statistical program called “R”, which would play a major role in helping us squeeze bias out of existing poll results.  I also had to learn the ins-and-outs of a proprietary algorithm that Tobi had developed for collecting and organizing large-scale data quickly and accurately.

Still, I had my questions about what we were attempting to do. I asked the project head: “How can polls be biased when the data is a reflection of the people being polled? And, if there is bias, how are we supposed to ferret it out?”

“Most people view polls or surveys as sources of scientifically-developed data,” Tobi explained. However, the history of political polling tells us otherwise because results frequently underperform our expectations. For example, pollsters were far off-base in the recent Brexit vote by British citizens. Furthermore, while the average national results of the Obama vs. Romney presidential election were largely accurate, many individual polls were consistently wrong.”

“If polling is a science, how could so many polls provide contradictory results, and how could polls such as those in the United Kingdom be so far off the mark?” I asked.

Tobi had the answer: “Bias of one form or another is often built into the polling instruments themselves,” he told me. “Such bias can result from the choice of questions posed by pollsters, how those questions are phrased, the groups that are selected for the sample, the size of the sample, and whether polls are self-selected or randomly selected in a scientific manner by a third party.”

Now, this project was getting interesting, and Tobi had my full attention.

The goal of my summer internship at Stanford was to use “R” to mathematically strip all possible bias out of a poll for the upcoming presidential election, and thus produce a more accurate result. The data we used was biased towards one side of the political spectrum because the poll was published on a website viewed almost exclusively by voters who shared that point of view. I used the algorithm to manipulate big data sets containing demographic data for both Republicans and Democrats. Then, I put my math skills to work, using the “R” program to squeeze out biases. After a substantial amount of work, we began to see different results, and my concerns about our ability to actually find and remove bias faded.

Several weeks into the project, I was thrilled to find that the polling data began to shed its built-in favoritism and actually lean towards the opposite side of the political spectrum, as was reflected in more well-regarded polls. With additional work, the data would eventually contain almost no bias, making the polling much more objective and reliable.

Although the results we were seeking seemed anti-intuitive at first, it turned out that the meticulous process we used, helped along by my love of and expertise in math, could achieve what had seemed impossible when we began. Additionally, I realized that I had developed a new skill set using the “R” program and Tobi’s algorithm for data collection and analysis. These skills could have applications in many other areas, including data gathering for school assignments, or analyzing future polling results.

I now realize that our work could have a genuine impact on the accuracy of critical information and that math could be even more powerful than I thought. Meanwhile, I’ve personally learned to take most polling data with a grain of salt.

ABOUT THE AUTHOR:
Yael Ben-Shachar is a senior at a Silicon Valley High School. Volunteers for Boys and Girls Club teaching students math and reading skills and training other volunteers. Works with special needs children, specifically a boy with autism all year.
Learned how to squeeze prejudicial data out of large polls using sophisticated statistical programs at Stanford.
She is a Journalist for her school newspaper.

Analyzing Gene Expression in Cartilage Cells for the Treatment of Osteoarthritis by Isita Tripathi

 (Image – Mosby’s Medical Dictionary, 9th edition.)

As a high school student, my preconceptions were that lab work only involved the wet-lab responsibilities of pipetting, centrifuging, and cell culture. But with hands-on lab experience, I soon realized that there is so much more that goes into a biological research project in order to make it both effective and applicable. With the intersection of biology, statistics, and computer science, the possibilities have expanded to include precise processing of information, changing the way in which we look at the human body and revolutionizing the field. Realizing that we are on the precipice of the new era of “big data,” I immersed myself in gene expression analysis as part of the biomedical research I undertook in the Lab of Orthopaedic Surgery at Stanford; I am eager to share my findings.

Almost 10% of the American population is plagued by osteoarthritis, the most common chronic degenerative condition affecting the joints.

In osteoarthritis, the cartilage that normally surrounds the ends of bones breaks down, creating increased friction between the bones in a joint, and resulting in swelling and extreme pain during movement. The problem remains that once osteoarthritis commences, the cartilage continues degenerating and inflammatory processes further damage the existing cartilage.

Unlike our skin, cartilage does not naturally regenerate and repair itself, making osteoarthritis a downward spiral of pain if left untreated. That is why an increasingly popular target of research is stem cell cartilage repair. While one option is to take neonatal chondrocytes (cartilage cells) and place them into the adult body, this form of stem cell cultivation is often considered unethical. However, if researchers can create induced pluripotent stem cells (iPSCs) and provide them with the proper transcriptional factors, cell culture, etc. to differentiate into chondrocytes in vitro, then these cells should be able to replenish the supply of damaged cartilage cells in vivo, acting as neonatal cartilage cells. Although many labs have established this procedure, nobody has perfected it to the point where the iPSCs would have sustained success in the body. The only way to do so is to gain more knowledge on exactly what makes each type of chondrocyte different from one another, and then study these variances to discover methods for improving existing forms of treatment.

With my project at Stanford, I was able to take a step towards answering this fundamental question. During the 10 weeks of my internship, I conducted a data analysis project on the microarray data from an ongoing project on chondrocyte differentiation at the lab. The goal was to denote significant differences and patterns in gene expression across neonatal, normal adult, iPSC, and osteoarthritic chondrocytes.

My first challenge was learning to use advanced gene expression softwares that I had never encountered before, such as dChip and MetaCore. And through this process, I realized there was so much more about the project that I had yet to learn, so I read as many articles as possible, scrounging for information that could help me tackle this process further.

After mastering the programs, I began making excel sheets that compared the data from different chondrocytes based off of fold change (a comparative measure) and probe set values (microarray data indicating levels of gene expression in a cell). Then, I created lists that denoted which genes were most heavily expressed in one chondrocyte, but under expressed in the other. Entering this information into a pathway analysis, I was able to visualize which kinds of genes made two chondrocytes different. To my surprise, I found that the difference between osteoarthritic and normal adult chondrocytes was that the cartilage cells plagued with osteoarthritis were actually expressing many of the genes that neonatal chondrocytes expressed. And through digging into this information, I landed on the very core problem of osteoarthritis: the remodeling of the extracellular matrix.

Essentially, each chondrocyte is in its own microenvironment that facilitates cell signaling and proper nourishment of the cells. As the cartilage begins to degenerate, inflammatory processes are a signal to the cell that something is wrong. In order to combat this issue, the chondrocyte begins changing the components of its extracellular matrix, the barrier that separates the cell from the outside environment. However, this changes the microenvironment within the cell, exacerbating the condition instead of helping. Perhaps suppressing the expression of some of the key genes involved in ECM remodeling, such as MMP2, would allow the cell to revert back to its original microenvironment, and even “reverse” osteoarthritis.

Although I thought I had found something original, my mentor informed me that this has been a target of research for quite some time–but nobody has been able to control or change ECM remodeling effectively. Still, I refused to be discouraged. With some more digging, I found that one of the genes highly expressed in osteoarthritic chondrocytes was a gene that was supposed to be suppressed completely 6 weeks after birth. And the only information about this gene is that it codes for opioid receptors, which manage pain perception in the brain.

Many studies had published this up-regulation of the “PENK” gene, yet none had actually explored its potential. But maybe the key was not reversing ECM remodeling or even trying to replenish damaged cartilage. I figured that the first step was to control pain and the progression of remodeling. After compiling all of the information I could find on PENK, I suggested that its high expression levels could be utilized as an internal mechanism for pain relief in osteoarthritic patients if the gene was expressed in the iPSC chondrocytes. Or maybe removing this gene would help cease ECM remodeling, prohibiting further cartilage degeneration.

While I had initially set out to make a revolutionary discovery in the field of osteoarthritis, I instead generated new ideas on how to tackle the problem, becoming proficient in terms and ideas that had never existed until the beginning of my summer. As I approach the next four years, I hope to continue my work on osteoarthritis and develop projects that can morph my the research proposals I made using microarray data into positive action.

But one of the most important things I learned throughout last summer was that past the contentment associated with making concrete discoveries, research provides the opportunity to expand the creative capacity of our minds, pushing us to think and plan in novel ways. Even after finding information there is always more to uncover, because regardless of your level of education or social status, research thrives on one leveling commonality. Everyone must keep exploring; there is always more to find.

ABOUT THE AUTHOR:
Isita Tripathi is a senior at a Bay Area High School. She worked as a student intern in the Lab of Orthopaedic Surgery at Stanford, where she has cultivated her passion for medical research. In addition to pursuing a career as a surgeon, Isita aspires to continue performing her flute and learning Spanish during her college years.