Wine and Dime Episode 85 - Financial Planning and Family, with Taylor Anderson
Hello again Wine and Dime listeners. In this episode, I have the incredible pleasure of speaking with Taylor Anderson. Taylor is a CFP with Middleton and Company, a financial planning company specializing in helping you establish healthy financial habits that build a strong financial foundation. Taylor also spent some time in the Peace Corps and has proven to give her a unique view on helping anybody. This was a fantastic chat that I’m sure you all will enjoy!
Taylor Anderson, CFP®
Taylor’s passion for personal financial planning started when she and her husband decided to take a break from their traditional career paths in Seattle to join the Peace Corps. She served for 2 years in Kyrgyzstan before joining her family-owned financial planning business in Vancouver, WA. She loves working with clients who are ambitious in both their careers and their hobbies and is most excited when she gets to hear about her clients’ travel plans. Her favorite challenge is to help her clients build flexibility into their financial plans so they’re able to enjoy the twists and turns of life as they come.
Taylor began her career in consulting and project management roles at large companies, so she knows what it’s like to make decisions on benefits, to advocate for herself in annual reviews, and to navigate corporate work environments. Taylor brings her prior experience to her financial planning work by adding creativity to the more technical things – think mindmaps, roadmaps, and her favorite…brainstorming with Post-Its!
On weekends you can find Taylor skiing or hiking in the backcountry. Weeknights very often include a run with a local run club and a good conversation over a beer or glass of wine.
The Walla Walla Valley Wine Alliance was founded in 2001 by the winemaking and winegrowing industry as a nonprofit membership marketing association who knew that success in marketing the Walla Walla Valley Wine Region could be found through a collaborative effort. Today, our values remain focused on Valley-wide success through collaboration of our nearly 150 members and community partners.
The primary mission of the Walla Walla Valley Wine Alliance is to build an internationally acclaimed Walla Walla Valley wine brand among consumers, media and trade by providing marketing programs on behalf of member wineries, vineyards, and partners. The Wine Alliance functions as the leading informational resource for consumers, media and members of the trade interested in learning more about the Valley’s wine industry.
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 84 - Stop Treating Your Benefits Like Products - Tips for Open Enrollment
It’s that time of year again, yep, you guessed it… Open Enrollment time! And we here at Wine and Dime, and Rooted Planning Group want you to stop treating your benefits like products, and spend the time to find out what options you have available. That’s what this episode of Wine and Dime is all about. So join me in this short episode where I share some of the insights that I learned over the years to help you make more informed decisions with your open enrollments benefit options. Thank you for listening and if you liked this episode, be sure to, like, subscribe and share!!
Join other women for a powerful day out!
The 6th annual Southern Tier Women’s Financial Conference
Improve your mind, body and checkbook during a fun ladies day out!
Money isn’t one of those warm, fuzzy topics people like to think about, but the truth is, managing your money is critical for financial success. Statistics show that many times, women are responsible for managing the money in a household.
If you would like to spend a fun and educational ladies day out updating yourself on different aspects of money, join us for the 6th annual Southern Tier Women's Financial Conference scheduled for November 16, 2019 from 8:00 a.m. to 3:30 p.m. at the Watson Homestead Conference & Retreat Center in Painted Post, NY. It will be a great way to join other women as we learn how to improve our mind, body, and checkbook!
The hot topics that will be covered during the event include:
Ins and Outs of New Financial Products- Nancy Williamson, CEO, ServU Credit Union
Investing and What It Means to You - Caitlin Fuller CFP®
Discover the Power of Essential Oils - MaryAnn Combs, Certified Aromatherapist and Wellness Advocate for doTERRA International.
Yoga for Your Finances - Financial Self Care - Nancy Reigelsperger Cornell Cooperative Extension of Steuben County, Financial Educator
(W)health Care - Amy Irvine CFP®, EA, MPAS℠ Irvine Wealth Planning Strategies LLC
Understanding Your EOB's (Explanation of Benefits) - Kate Welker CFP®, Rooted Planning Group
The cost of $25 per person for ages 16 and older includes lunch, networking, the conference and the conference book. The day will include door prizes and other vendors and exhibitors. After October 18, 2019, the cost will be $35 per person. After November 10, 2019 and at the door the cost will be $40 per person.
Registration and pre-payment can be sent to Cornell Cooperative Extension of Steuben County, 20 East Morris Street, Bath, NY or purchased online at bit.ly/womensfinanceconf19. For more details, call 607-664-2300
VINTAGE: The 2017 vintage was a study on how much weather conditions can vary from year to year. The 2016 growing year was very hot and dry with very little precipitation. Winter before the 2017 growing season was cold but our vines survived without any damage. The 2017 growing season was cooler with ample precipitation all year long with plenty of sunshine. That made for a vintage with good production and plenty of time to develop complexity.
VINEYARD: Blaufränkisch was planted in 2014 on our Seneca vineyard located in Hector, NY in the warmest mesoclimate in the Finger Lakes known as the ‘Banana Belt’. Temperatures here are a few degrees warmer than Keuka thus providing riper fruit notes. Soils on Seneca are characterized by deep honeoye silt loam. A small portion of the blend comes from Eric Volz Vineyard, just north across the road from Dr. Konstantin Frank’s plantings on Keuka Lake. The vineyard was planted in 1985 by Walter Volz, the winery’s first Vineyard Manager. This vineyard is managed by Eric Volz, current Vineyard Manager for the winery, who worked alongside his father Walter and grandfather, Dr. Konstantin Frank. Soils here are shallow with high natural acidity and high amounts of shale. The vines are planted on 3309 rootstocks.
THE WINE: Medium intensity with dominant characters of blackberry, plum, black cherry and chickory and toasted rye. The fresh acidity makes it feel lighter on the palate. Dry with velvety tannins. Medium-bodied.
FOOD PAIRING: Tomato-based Sauces, Blackened Salmon, Hard Cheeses, Grilled Vegetables.
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 83 - Coaching to Your Best Life with Judy Rowe
In this episode of Wine and Dime, I had the distinct pleasure of sitting down with the incredible Judy Rowe. Judy is a career consultant with experience in Coaching, Career Growth/Planning, Conflict Resolution, and Relationship Building. Her goal is to help people change, when change isn't easy and getting them comfortable with the idea of change and that fear is a barrier, not a wall. “Life doesn't always go as planned, but focus on achieving one thing to make that your success.”
Judith A. Rowe Consulting, LLC
Judy is passionate about using a strengths-based approach to help others realize their full potential in life. Her consulting company, Judith A. Rowe Consulting, LLC, has a focus on training, facilitation, coaching, and career development.
Judy holds a Bachelor of Science degree in Civil Engineering and a Bachelor of Science degree in Industrial Engineering from the University of Tennessee at Chattanooga. In addition, Judy earned a Master of Industrial Labor and Relations degree from Cornell University. She is certified to train StandOut Advantage.
During her 27-year tenure with Corning Incorporated Judy has held roles as Global Security Performance Excellence Champion, Project Manager, Training Systems Manager, Product Engineer, Sales Engineer, Customer Service Team Leader, Supervisory Effectiveness Instructor, Human Resources Manager, and HR Performance Excellence Project Manager. Prior to Corning Incorporated Judy held engineering positions with Mobil Corporation, Loudon County Sanitation Authority
Judy has a phenomenal family – husband, Joe, two sons, Joe and Jon, and their dog, Troy. Judy volunteers for many community activities. She is a member of Corning Hospital Board of Directors and related committees, Donald Guthrie Foundation Board of Directors, United Way, and Delta Sigma Theta Sorority, Incorporated. Judy served on the United Way Board of Directors and the Cosmopolitan Women’s Club Board of Directors.
PINOT NOIR
Grown on a mix of sand and clay soils, this Pinot truly expresses the “terroir” of the Finger Lakes. Complex, yet delicate, this wine ages well for 3-5 years!
Tasting Notes
On the nose, sweet vanilla with hints of soft, smoky sweetness. Flavors of smooth sweet cherry lead to strong tannins with a smooth, fruit-driven structure.
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 82 - Mindfulness with Krista Inochovsky
In this episode of Wine and Dime, I explore mindfulness with Krista Inochovsky. Krista is a dancer and a mom who wants you have the opportunity to start fresh, grow, and discover who you are each and every day. She inspires others to believe in themselves and to create a life that is enjoyable and fulfilling. This mission has led her to creating a business where she works with a wide range of clients, from business professionals to teens, on the benefits of mindfulness. This was a great interview that has great insights for anyone looking to understand a little more about the idea of mindfulness and how it may affect your personal financial goals.
Krista Inochovsky
Krista Inochovsky has been challenging entrepreneurs and professionals for years to expand their vision of life, love and success. Krista is the founder Expand Your Life, a certified Life Coach and Mastermind Facilitator who helps people develop the skills they need to improve themselves and the world by unlocking their potential and pursue greatness. Opening your eyes to the power of perspective, Krista engages people to explore how they think, feel and perceive their life experience. Using mindset, meditation and even yoga as tools, Krista guides people to be powerful creators.
Krista leads MINDFULNESS talks, workshops and programs for teenagers, professionals, entrepreneurs and people who do desire to live at the top of their game!
Krista is an alumnus of UFC, Athena NextGen and has presented at Starter Studio, UFC Incubator, Microsoft, Blackstone Launchpad at UCF, is a contributor for Wisdom Times, FOX 35 and much more.
https://www.kristainochovsky.com
https://www.facebook.com/MPoweredteenmindfulness/ https://www.facebook.com/kristainochovsky/ https://www.instagram.com/teen_mindfulness_/
https://www.linkedin.com/in/kristasky/
It’s All In Your Mind
Creating a Mindset for Extraordinary Life, Love & Success
Your mind is working all the time. The question is what are you thinking about?
Replaying struggles of the past and fearing the unknown future is sabotaging your happiness and potential achievements.
You are a powerful creator. If you are willing to take 100% responsibility for your life, thoughts and emotions THEN and only then can you tap into your full power. Are you willing to step into your full power to create an extraordinary life of love, fulfillment, and success?
Your thoughts create your reality and shape your future. Let that sink it. Your thoughts create your reality. No one else can think for you. I teach my clients how to think differently to break the repeating patterns that keep them stuck and how to influence your subconscious to forge new paths for success in every area of life.
Belle Glos
CLARK & TELEPHONE PINOT NOIR
Bright ruby red with fresh, vibrant aromas of wild blackberry, raspberry jam and cedar box accented by rich floral notes. This wine is juicy and generous on the palate with sweet cherry, field-ripened strawberry, cranberry and just-baked gingerbread. Perfectly balanced with bright acidity and a supple mouthfeel. Fine grained tannins provide an authentic textural distinction and structural depth.
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 81 - From Active Duty to Financial Planner with Scott Vance
Hello Wine and Dime listeners! We are live at the XYPN Conference in St. Louis this week, with Military Veteran and Financial Planner Scott Vance. Scott’s practice specializes in military and military families and helping them secure their financial futures. In this episode Scott and I talk about deployment, military retirement, and life after the military. It was a great conversations, full of useful tips for any active duty or retired military. To hear more from Scott, be sure to check out his podcast Sheepdog Financial, where he covers a wide range of financial topics.
Scott Vance
Scott is a financial advisor serving the greater Raleigh, NC area. He began his career in the financial industry soon after retiring from the Army. Scott's military background allows him to closely understand the issues faced by our military personnel, but he works with clients from all walks of life. His desire is to continue his service to individuals in need of tax and financial advice. He is currently an Enrolled Agent, a candidate for CFP® certification, will complete his second undergraduate degree in accounting in the spring of 2019 and will begin taking the exams to become a licensed CPA in 2019.
Scott was born and raised in Pennsylvania. He has lived in numerous US States and foreign countries as would be expected from a military member. The highlight of his overseas experience was a year spent in Kathmandu, Nepal advising the US Ambassador to Nepal on foreign military training.
scott@taxvanta.com
https://www.linkedin.com/in/scott-vance/
Website: https://www.taxvanta.com/
Podcast: http://sheepdogfinancial.libsyn.com/
Yuengling Traditional Lage
Famous for its rich amber color and medium-bodied flavor with roasted caramel malt for a subtle sweetness and a combination of cluster and cascade hops, this true original delivers a well-balanced taste with very distinct character. Born from a historic recipe that was resurrected in 1987, Yuengling Traditional Lager is a true classic.
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 80 - Live at FinCon with Elder Laywer, Cathy Sikorski
Hi there Wine and Dime listeners, welcome to a very special edition of the show, where we are live at FinCon 2019. While here at the conference we were able to connect with a ton of people, and one of those people was Cathy Sikorski. This talk was a real treat, and we had a great conversation about elder law, and as Cathy pointed out to me, there is a big difference between elder law and estate law. And that is “Elder lawyer are for living people, Estate Lawyers are for dead people.” This was really engaging conversation that was enjoyed over a glass of wine, and I’m sure that you will enjoy the episode as much as I enjoyed sitting down with her!!
Cathy Sikorski
Cathy Sikorski has been a significant caregiver for the last 20 years. In addition to that, she has been a practicing attorney in her own practice, dealing largely in Elder Law, with over 12 years of education in issues dealing with Medicare, Medicaid and Social Security. She began her legal career in general practice in a small town where she grew up and was known to a large contingent of the population through her family. Many of her clients were older adults, which lent her practice to dealing with elder issues. During that time, Cathy went on leave to attempt stay-at-home mothering and ended up staying at home and mothering all kinds of people. First, her Nana came to stay. But since then, she has been the primary caregiver for her great aunt for seven years, her amazing mother-in-law until she almost reached 97 years old, currently her brother-in-law who is wheelchair bound and suffers from multiple sclerosis, and a very dear friend who is permanently disabled from an accidental brain injury four years ago.
Fortunately, each and every one of these special people has a rockin’ sense of humor during medical appointments, nudity, and other areas of indignity (well, except the great aunt…who didn’t like to laugh). So this caregiving thing, yea, she’s got it covered, and is continuously consulted by everyone she meets about caregiving personally and with her legal background.
www.cathysikorski.com
Twitter - @cathy_sikorski
Email - cathy.sikorski@gmail.com
In Who Moved My Teeth? Cathy Sikorski, Esq. has combined her 25-plus years of legal and practical experience to bring you important information, tips and questions to ask when preparing yourself or your loved ones for the complicated future of healthcare and caregiving.
This book is more than a quick guide book. Who Moved My Teeth? talks about everything from obtaining a power of attorney to preparing a living will. A must read for anyone who expects to age--which is all of us!
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Welcome back Wine and Dime listeners! In this episode we explore the idea of Changing Mindset. My guest Holly Segur and I discuss this topic and how it can be helpful in any aspect of your life. Holly and I of course get the opportunity to chat about wine, career, life and variety of topics. All of which had some influence on her and lead her to starting her own Mentorship practice at www.hollysegur.com. This was a fantastic conversation that I’m sure you all will enjoy!! And thank you for listening
Holly Segur
Holly Segur is a mentor for CEOs, high-level executives and entrepreneurs who are feeling overwhelmed and isolated in their quest to grow their business. As an experienced top executive in a Fortune 500 company, Holly understands the emotional burden that comes with growing and running dynamic businesses. With over 30 years of experience in corporate leadership, and after supporting hundreds of global clients, Holly is uniquely qualified to guide her clients through the diverse challenges of business leadership.
Her clients consider her their trusted advisor, biggest supporter and accountability coach rolled into one. Holly will get you feeling confident, creative, and at ease with the pressures of leading your company, while positively impacting business growth & results.
Webite: https://www.hollysegur.com/
HOLLY@HOLLYSEGUR.COM
Facebook - @intuitiveleadership
THIS EPISODE WAS PRESENTED BY Amy Irvine AND IN COLLABORATION WITH
The Seneca Lake Wine Trail
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 78 - Planning for Retirement - Annuity Myths with Robert Barnes
Do you hate annuities? In this episode of Wine and Dime, I chat with Robert Barnes, and he’s here to share the facts about annuities! Robert is the President of Integrated Insurance Consulting. They partner with advisors to help them serve their client protection needs, and offer support with basic insurance, business, and estate planning. Roberts years of experience led to a great conversations with lots of stories that gives him great insight. This was a great conversation that gets you thinking about retirement and as the title says, tackles some myths about annuities. And even though Robert doesn’t consider himself much of a wine drinker, he shared an Almond sparkling wine that sounds great! So pop open a bottle of your favorite beverage and enjoy the episode!
Robert M. Barnes, CLU, ChFC, CWPP™
Integrated Insurance Consulting, LLC
Phone: 708.307.2577
Email: rob@intinsconsulting.com
With more than 25 years of experience in the insurance and financial services industry, Rob specializes in the use of life insurance for business and estate planning needs. As Founder and President of Integrated Insurance Consulting LLC, Rob partners with advisors to help them serve their client protection needs. Rob also serves as a Regional Vice President for One Resource Group.
Rob is a member and former board member and membership chair for The Greater Chicago Chapter of the Society of Financial Service Professionals. Additionally, Rob is a member of the South Cook County Estate Planning Council, and actively participates in an interdisciplinary study group involving professional advisors from the legal, accounting, investing and insurance fields. Rob regularly attends advanced planning seminars in his field, he is a CFP continuing education provider, and as a proficient public speaker, hosts educational events for advisors, as well as their clients, on a variety of insurance topics. Rob has also been quoted in and authored articles for several industry publications such as Advisor Today, NAPFA Advisor and Insurance News Net.
Rob is a graduate of The University of Illinois and holds the Chartered Life Underwriter and Chartered Financial Consultant designations from The American College. In 2007, he obtained his Certified Wealth Protection Planner designation from the Wealth Preservation Institute.
Rob resides in Orland Park, Illinois with his wife Rita and daughter Cassandra. He currently serves as a board member and active fund raiser for Park Lawn, an organization dealing with special needs children and adults. He enjoys music, travel and being a dad.
Coopers Hawk Winery and Restaurant
The winery produces around 700,000 cases of wine each year, handcrafted from only the finest grapes and fruit available. Trucks packed with up to 20 tons of wine grapes from California, Washington, Oregon, and other grape-growing regions around the country are transported straight from the vineyard to the winery to begin the delicate winemaking process.
We understand that the best fruit produces the best wine and the winery's relationships with top growers throughout the country allows us to source from regions only where growing conditions have been ideal. The winery benefits from not owning its own vineyard or buying from one large supplier. Our winemaker is selective and buys the very best fruits from areas where seasonal conditions have resulted in the year’s most outstanding varietals, consistently producing award winning wines for Cooper's Hawk.
ALMOND SPARKLING
SIGHT
Lemon yellow
NOSE
Powerful aromas of almond cookie, marashino cherry, and nutmeg
PALATE
Tastes just like an amaretti cookie in liquid form
PAIRING
Baked apples or apple pie, almond cookies, cheesecake
Do you hate annuities?
In a recent USA Today article, Why I hate annuities: Here are the reasons these investments are bogus, Ken Fisher boldly starts out by stating “I’d die and go to hell before selling an annuity”. In his next breath he says he is not talking about single premium immediate annuities but seems to bash deferred annuities of any type.
“I’m not referring to simple immediate “fixed” annuities that convert one lump sum to income. Those can be OK, done right. But deferred annuities – “variables,” “indexed” and “deferred fixed” – are bogus. Here, you upfront cash for a contract that pays later. Meanwhile, your principal contract value supposedly grows.”
Hopefully Ken does really understand that a fixed or indexed annuity is going to grow guaranteed, not supposedly.
We often run into clients who want to protect their assets today and decide tomorrow what to do with them. They want to protect their principal from a sudden market decline they won’t have time to overcome. Fixed or indexed deferred annuities protect principal and grow tax deferred. Later, a client can decide to take an income.
Ken goes on to bash variable annuities because of their loads. Is he not aware of the VA’s available on RIA platforms? These plans offer much more competitive variable annuity products by lowering the fees inside and limiting insurance options and riders. These new products take some of the validity away from his statement.
It is his closing line which makes him look even more outdated and set in his ways
“Yes, my advice is conflicted – my firm often helps people exit deferred annuities. My opinion remains, regardless. All but simple immediate fixed annuities should be outlawed because buyers almost always misunderstand what they’re buying. It’s one step from fraud. Everyone deserves more transparent and flexible investments.”
At least Ken admits his conflict and bias and tells us he has no intent on offering insurance solutions no matter what their client needs or wants.
Click to read The USA Today article: Why I hate annuities: Here are the reasons these investments are bogus
The value of guaranteed lifetime income continues to rise.
A recent study sheds some light on a perspective Ken might be trying to share – income riders can be more costly than a SPIA. They came to the following conclusion: “The dominant guaranteed lifetime income alternative is GLWBs (Guaranteed Lifetime Withdrawal Benefit Riders) on Variable Annuities and Fixed Indexed Annuities primarily because they provide flexibility in the event of a change in circumstance. This comes at a cost, but historically not high enough to overcome the illusion of control.”
They also address Ken’s bias noting: “Historic emphasis on recurring commissions and/or AUM-based fees has disadvantaged the selling of income annuities”. In their closing action items, they note: “Many more retirees would elect annuitized income if presented the option. For many retirees, a mixture of both “lifetime annuitized income” and “ad-hoc discretionary withdrawals” from retirement savings may be optimum.”
Click here for the full study: 2018 Guaranteed Lifetime Income Study
Market forces show interest in annuities of all types.
Ken is certainly right about the fact that some clients are better off without an annuity. But the market forces continue to show interest in annuities of all types. For most people, running out of money is their biggest fear. Annuities are uniquely designed to provide a lifetime guaranteed income. Forecasted Monte Carlo analysis can leave some clients feeling queasy and uneasy. When you present the results to a 65-year showing they have an 85% chance their money will last to age 90, I assure you some clients are worried if they are in the 15% quartile in addition to the concern of living past age 90. Thus, the reasonableness of the income study premise that some mixture is best.
Behavior modification is a large part of financial planning. Perhaps Ken should open his mind and consider utilizing annuities in the retirement planning process for certain situations and clients. There are certainly clients who will sleep better and worry less if they had enough steady guaranteed income. They fit especially well for your more conservative clients in good health, especially if there is longevity in the family.
Interested in learning more about annuities? Join us on our next CFP® CE Webinar . . .
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 77 - YWCA Elmira CEO Serving in Life with Michele Johnson
On this episode of Wine and Dime, I get the opportunity to sit down Michele Johnson. Michele serves as the CEO of the YWCA of Elmira. We had a great conversation about the organization, how she became a part of it, what they do, and how you can help. So have a listen to this episode about a very passionate women who seeks to empower women of any age, race, or situation!
Michele Johnson
CEO - YWCA Elmira
Like the majority of people in Elmira, I spent my youth in the YWCA pool and am now excited to be part of the team responsible for its future. We are proud to be part of a national organization that has been on the forefront of the most critical social movements for more than 150 years— from women’s empowerment and civil rights, to affordable housing and pay equity, to violence prevention and health care.
In Elmira we have been supporting and empowering women and families for over 125 years with quality and affordable child care, women's health services, recreation and fitness classes, and education in a variety of areas.
This year we have realigned, revamped, and revitalized our services and facilities but our purpose has never changed - to serve our community in as many ways as possible. We are proud to live here and have the opportunity to serve you, our family and friends.
As we continue to evolve and grow we invite you to participate whether it be membership, attending events, using our services, donating, or just stopping by to see our changes.
Thanks for your continued support of this amazing organization!
YWCA of Elmira
WHO WE ARE
The YWCA has been serving our community for over 125 years. In 1887, a home was established for young women leaving farms to work in industry. Since then, the YW’s programs have grown and evolved to meet community needs.
OUR YOUTH
We are the largest child care provider in Chemung County, offering quality care for pre-school through 6th grade. Our Kids World & Summer Enrichment programs serve over 700 children daily after school and holidays at 17 sites. Our Youth Leading the Way programming offers your middle and high school student after school programs and activities to keep them safe and involved while you work.
YOUR HEALTH
The YWCA’s Women’s Breast Health program has a certified “fitter” in our Pink Boutique who can fit a breast cancer patient properly with a quality prostheses, mastectomy bra and swimwear. They are also happy to fit any woman properly for any bra or swimwear. We provide breast surgery patients with a FREE post-operative camisole. We provide some emergency funding for breast cancer survivors.
YOUR WELLNESS
Our Water, Fitness & Recreation program has a heated pool, gym and health resources for you. We will teach your children how to swim. We offer affordable and fun community swim times for families and groups. We help you after you have had surgery or suffer from arthritis with our rehabilitative therapy aqua classes. You can take an Aqua-Dance, Karate or Silver Foxes class.
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
Wine and Dime Episode 76 - CARE About Education with Judge John
Welcome back Wine and Dime listeners. In this episode, I welcome the Honorable Judge John Ninfo, II. Judge John is a retired bankruptcy judge who also founded CARE (Credit Abuse Resistance Education). In this episode, John shares some great stories about the importance of personal finance education, the founding of CARE, and we even talk about the wines that he likes and his true enjoyment of a good scotch. You can read some of Judge John’s weekly columns at mpnnow.com (search “Ninfo”).
If you enjoyed the episode, please be sure to rate and subscribe! And thanks again for listening!
John C. Ninfo, II
Judge Ninfo was a bankruptcy judge for the United States bankruptcy court, Western District of New York. He was appointed to the bench in 1992 and served as Chief Judge from January 1, 2000 until December 31, 2006. After 2006 he served as a judge until December 31, 2011.
Education and early life
Judge Ninfo attended Georgetown University for his Bachelors degree in 1968 and Boston University for his J.D. in 1973. From 1968 until 1970 he served in the United States Marine Corps, becoming Chief Legal Clerk to the Judge Advocate General of the 4th Marine Air Wing.
Career
From 1970 until 1992 he engaged in private law practice with the Rochester firm of Underberg and Kessler, specializing in creditors' rights and bankruptcy law.
CARE program
In 2002, Ninfo founded the Credit Abuse Resistance Education (CARE) program. It is a personal finance literacy education program in which bankruptcy judges, trustees, attorneys and court staff go into high schools and colleges and meet with businesses, faith groups and veterans in an effort to educate them on staying out of debt and financial responsibility.
CARE - Credit Abuse Resistance Education
CARE's mission is to educate individuals, with a focus on young adults, on the responsible use of credit and the fundamentals of financial literacy, as well as the potential consequences of poor money management and credit abuse.
Founded in 2002 by now-retired US Bankruptcy Court Judge John C. Ninfo II, Credit Abuse Resistance Education (CARE) was created to teach high school and college students about the responsible use of credit and the consequences of credit card abuse. Judge Ninfo grew the organization to have a national presence by helping other bankruptcy professionals start their own CARE programs across the nation.
Upon his retirement, Judge Ninfo turned CARE over to the American Bankruptcy Institute in Alexandria, VA, where it expanded and developed into a nationally branded organization. In 2016, CARE received its 501(c)(3) status from the IRS and has emerged as a national nonprofit community service organization dedicated to inspiring smart financial-decision making by students and young adults.
Now, 15 years after its creation, our organization recruits and trains professionals in the bankruptcy and other financial services fields, who are then invited to schools and other venues to teach the fundamentals of personal financial management.
Wine For Normal People
This week we discuss Sicily, the largest island in the Mediterranean that has a wildness, a culture, and a wine portfolio all its own. From the islands that make luscious sweet wines, to the hot interior churning out fruity reds, to the elegant reds and whites of Mount Etna, Sicily has something for everyone and is on the rise.
Sicily Overview
Largest island in the Mediterranean, volcanic– huge with rough infrastructure
Harvest lasts for over three months, beginning in the August heat in Trapaniand ending in Mount Etna in mid-November
As the author Nicolas Belfrage, “Brunello to Zibibbo”, Sicily has the potential to be “California, Australia, Chile, southern France, Jerez and middle Italy all rolled into one”
Long storied history of winemaking traditions there exist since Greek, Roman and medieval times.
Number of DOCs: 23: Etna, Marsala, Moscato di Pantelleria (sweet wine), Cerasuolo di Vittoria (DOCG – mostly Nero d’Avola with some Frappato).
Also: Catch-all IGT Terre Siciliane (25% of the island’s production)
Main white grapes:Cataratto, Trebbiano, Inzolia, Grecanico, Chardonnay, Grillo, Viognier, Caricante, Zibibbo
Main red grapes: Nero d’Avola, Syrah, Merlot, Nerello Mascalese, Cabernet Sauvignon, Sangiovese, Frappato, Nerello Cappuccio
Leading Sicilian producers:
Benanti, Ceuso, COS, Corvo (Duca di Salaparuta), Cottanera, Cusumano, De Bartoli, Donnafugata, Feudo Montoni, Firriato, Florio, Frank Cornelissen, Gulfi, Il Cantante, Morgante, Occhipinti, Planeta, Regaleali, Tenuta di Fessina, Terre Nere
AMY IRVINE
ROOTED PLANNING GROUP
10 EAST MARKET STREET
CORNING NY 14830
WWW.ROOTEDPG.COM
EMAIL: AMY@ROOTEDPG.COM
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