LivingSMARTERandSafer

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LivingSMARTERandSafer Interactive Consulting Podcasts hosted by Margaret Hicks, MBA, FCIS
facebook.com/groups/586456682972 I consider myself very adaptable.

LivingSMARTERandSafer is primarily focused on business startups, financial, marketing and management issues as well as legal and negotiation matters. I also offer personal consulting - retirement planning, estate planning, asset diversification, aging in place and other senior-related issues. I grew up in Singapore but have lived here since 1998. I am bilingual in English and Mandarin. I have trav

eled quite extensively. My longer term objective is to build a personal network of both friends and clients who share my views on how best to position ourselves both financially, emotionally and logistically for the changing economy and potential upheavals going forward.

21/04/2024

Interesting tips to try out ... 😍👍

12/02/2024

Fantastic tips for ladies looking to jazz up their wardrobe for free 😉😍👍

11/02/2024

Neat tips to jazz up your attire ...

10/02/2024

Neat tips on how to fold clothes ...

07/02/2024

Easy cool tips for the ladies ... 😍👍

03/01/2024

Interesting tips for anyone interested in gardening ...

10/12/2023

Wow ... Incredible Engineering !!!

02/12/2023

Looks like a simple but tasty recipe ...

02/12/2023

Check out below useful tips ...

15/10/2022

Below are topics to be covered, time permitting : -

1) How to Thrive - How to Change your Mindset ?
2) Relationships - Should and When someone consider either divorce or remarriage ?
3) Personal Finance - How to Preserve your accumulated
retirement funds ?
4) Business Finance - How critical is correct pricing of
products and services to Business Success ?
5) Health - Should you have Long Term Care Insurance ?
6) Longevity - How can seniors sleep longer and deeper ?

Upgrading  Your  ExecutivesUpgrade the financial, marketing and management skills of your managers and executives withou...
23/09/2022

Upgrading Your Executives

Upgrade the financial, marketing and management skills of your managers and executives without breaking your budget by engaging me to do an online program with them.

We can customize the presentation to meet your particular needs. Format can vary from informal hour-long presentation on any topic of your choice ( financial, marketing, management, retirement, estate planning, asset diversification etc ) or a structured program conducted over several sessions.

Programs Available

* Finance for Non-Financial Managers

* Where Have All the Profits Gone ?

* Financial Analysis for Non-Financial Managers

* Effective Selling Skills

* Sharpening Your Presentation Skills

* Improving Interpersonal Communication

* Problem-Solving & Decision-Making

Book a consultancy session ( $30 for half hour ) with Margaret or email [email protected] your queries.

Legal  &  Financial  MattersThe most vexing issues for a small or home-based business are legal and financial matters.  ...
22/09/2022

Legal & Financial Matters

The most vexing issues for a small or home-based business are legal and financial matters. It is often more cost-effective to contract an outside consultant to handle the correspondence involved than struggling with them yourselves.

You should focus whenever possible on running your business. Engage me on an assignment basis to handle whatever issues are taking up your time and resources ineffectively.

Consulting Possibilities : -

* Writing Contracts - Ensure best terms possible

* Reviewing Contracts - Reading the fine print

* Handling " Legal " Letters

* Handling Serious Customer Issues

Book a consultancy session ( $30 for half hour ) with Margaret or email [email protected] your queries.

Negotiating  Business  DealsBusiness is very competitive these days.  You get only one chance to seal the deal.  It is i...
21/09/2022

Negotiating Business Deals

Business is very competitive these days. You get only one chance to seal the deal. It is imperative that you put the odds in your favor as best as you can.

Your initial business proposal letter is the key to unlocking future business. You need to be able to grab your prospect's interest quickly and effectively.

Lawyers hone their skills by doing mock trials. You should do likewise by doing a mock presentation of your business deal meeting.

Consulting Possibilities : -

* Writing the initial Proposal letter

* Negotiating the terms of the deal

* Writing the Business Contract itself

* Critiquing your Business Deal Presentation

Book a consultancy session ( $30 for half-hour ) with Margaret or email [email protected] your queries.

Selling Your Products & ServicesThe best product or service in the world does not guarantee business success.  The key i...
20/09/2022

Selling Your Products & Services

The best product or service in the world does not guarantee business success. The key is always cost-effective marketing - the ability to generate more revenue than expenses when selling.

I used to conduct seminars for executives on this very important topic and would be happy to chat with you about your marketing plan for your products and services if you wish.

Consulting Possibilities : -

* Designing Marketing brochures etc

* Writing Marketing letters to clients

* Developing a Marketing Plan

* Costing the Marketing Plan

* Evaluating Cost-Effectiveness of

Different Advertising Channels

Book a half hour consultancy session ($30 for half hour) with Margaret or email [email protected] your queries.

Business  StartupsI am very conversant with issues regarding business start-ups  -  from concept to launch and all the p...
16/09/2022

Business Startups

I am very conversant with issues regarding business start-ups - from concept to launch and all the pricing, marketing and operational decisions involved. Sometimes, a vigorous review of a business plan can save the budding entrepreneur a lot of wasted time, effort and money.

The most dangerous phase of a business after it has been successfully launched is when you decide to expand substantially. Many folks believe that if you work harder you will automatically succeed. This is just not so. The financial and operating dynamics change quite dramatically and can prove quite fatal if you are unprepared.

CONSULTING POSSIBILITIES : -

* Making a Business Proposal to Potential Investors

* Writing up a Business Plan

* Requesting a Bank Business Loan

Failing  to  Plan  is  Planning  to  FailA substantial portion of the cost of management is in the overhead costs of ret...
15/09/2022

Failing to Plan is Planning to Fail

A substantial portion of the cost of management is in the overhead costs of retirement benefits and healthcare for your executives. You would be much more competitive if you could enjoy the fruits of high quality management without all of the associated benefit costs.

I am a retiree who is highly qualified and was a senior consultant prior to retirement. I am looking to consult with home-based and small businesses who are seeking consultancy services which do not break their budgets. I believe in offering teaser fees to induce corporate clients to try my business consultancy and individuals to check out my personal coaching services.

A dollar saved is a dollar earned! The caveat however is that you are not forfeiting quality. We consider you not just as clients but as business partners - our consulting practice will grow only if our clients succeed and we will do our best to help you.

Anyone interested should click "Book Now" to schedule a one-on-one VIRTUAL consulting or coaching session. Cost is $1 per minute with minimum of $30 for a half hour session. Please feel free to email [email protected] your queries.

Click below link to  JOIN  Interactive Consulting Podcast Group if you wish to receive Invites to future podcasts as Fac...
28/08/2022

Click below link to JOIN Interactive Consulting Podcast Group if you wish to receive Invites to future podcasts as Facebook does not allow groups to directly invite non-members to events hosted.

https://www.facebook.com/groups/586456682972290

LivingSMARTERandSAFER Inaugural Podcast - Sept 12, 2022 at 8:00 pm EDT.

Don't you sometime wish that you could just contact someone to talk about an issue that is on your mind. You may want some information or just seeking a second opinion. I don't quite know why but folks have always been drawn to me for advice my whole life. I would get family and friends and friends of friends calling me for advice. Quite often, the issues were personal ones and not just about work or business!

I would really like to make an impact and don't want to waste either your time or mine. Topics covered during the hour-long interactive podcast will focus mainly on financial, relationships, health & longevity topics. Feel free to comment below or message me ahead of time your topic of choice you would like discussed to help me better help you during the podcast.

Below are just some topics that might be of interest to many : -

Finance - 1) When should you claim Social Security ?

2) Is it better to buy or rent ?

Relationships - 1) Are Seniors too old to consider divorce?

2) How important is social networking ?

Health - 1) Should you enroll in Traditional Medicare or Medicare Advantage ?

2) Should you have Long-Term Care Insurance ?

Longevity - 1) How to live Longer & Healthier?

2) How important is Sleep ?

This is as much your podcast as it is mine. Participate actively when you join the podcasts. It takes time, effort and money to host these consulting podcasts. There is no admission fee though donations are welcomed if you feel that the hour spent has been interesting and perhaps even insightful.

Food for thought indeed ...
06/06/2022

Food for thought indeed ...

When the going gets tough, the tough gets going ...
23/04/2022

When the going gets tough, the tough gets going ...

❤️❤️
(Pinterest)

08/04/2022
02/04/2022

Everything

Remember to hug whenever the opportunity presents itself as it is beneficial to both  👍😉
17/02/2022

Remember to hug whenever the opportunity presents itself as it is beneficial to both 👍😉

The Importance of Being Held~~
The average length of a hug between two people is 3 seconds. But the researchers have discovered something fantastic. When a hug lasts 20 seconds, there is a therapeutic effect on the body and mind. The reason is that a sincere embrace produces a hormone called "oxytocin", also known as the love hormone. This substance has many benefits in our physical and mental health, helps us, among other things, to relax, to feel safe and calm our fears and anxiety. This wonderful tranquilizer is offered free of charge every time we have a person in our arms, who cradled a child, who cherish a dog or a cat, that we are dancing with our partner, the closer we get to someone or simply hold the Shoulders of a friend.

A famous quote by psychotherapist Virginia Satir goes, “We need 4 hugs a day for survival. We need 8 hugs a day for maintenance. We need 12 hugs a day for growth.” Whether those exact numbers have been scientifically proven remains to be seen, but there is a great deal of scientific evidence related to the importance of hugs and physical contact. Here are some reasons why we should hug::

1. STIMULATES OXYTOCIN

Oxytocin is a neurotransmitter that acts on the limbic system, the brain’s emotional centre, promoting feelings of contentment, reducing anxiety and stress, and even making mammals monogamous. It is the hormone responsible for us all being here today. You see this little gem is released during childbirth, making our mothers forget about all of the excruciating pain they endured expelling us from their bodies and making them want to still love and spend time with us. New research from the University of California suggests that it has a similarly civilising effect on human males, making them more affectionate and better at forming relationships and social bonding. And it dramatically increased the libido and sexual performance of test subjects. When we hug someone, oxytocin is released into our bodies by our pituitary gland, lowering both our heart rates and our cortisol levels. Cortisol is the hormone responsible for stress, high blood pressure, and heart disease.

2. CULTIVATES PATIENCE

Connections are fostered when people take the time to appreciate and acknowledge one another. A hug is one of the easiest ways to show appreciation and acknowledgement of another person. The world is a busy, hustle-bustle place and we’re constantly rushing to the next task. By slowing down and taking a moment to offer sincere hugs throughout the day, we’re benefiting ourselves, others, and cultivating better patience within ourselves.

3. PREVENTS DISEASE

Affection also has a direct response on the reduction of stress which prevents many diseases. The Touch Research Institute at the University of Miami School of Medicine says it has carried out more than 100 studies into touch and found evidence of significant effects, including faster growth in premature babies, reduced pain, decreased autoimmune disease symptoms, lowered glucose levels in children with diabetes, and improved immune systems in people with cancer.

4. STIMULATES THYMUS GLAND

Hugs strengthen the immune system. The gentle pressure on the sternum and the emotional charge this creates activates the Solar Plexus Chakra. This stimulates the thymus gland, which regulates and balances the body’s production of white blood cells, which keep you healthy and disease free.

5. COMMUNICATION WITHOUT SAYING A WORD

Almost 70 percent of communication is nonverbal. The interpretation of body language can be based on a single gesture and hugging is an excellent method of expressing yourself nonverbally to another human being or animal. Not only can they feel the love and care in your embrace, but they can actually be receptive enough to pay it forward to others based on your initiative alone.

6. SELF-ESTEEM

Hugging boosts self-esteem, especially in children. The tactile sense is all-important in infants. A baby recognizes its parents initially by touch. From the time we’re born our family’s touch shows us that we’re loved and special. The associations of self-worth and tactile sensations from our early years are still imbedded in our nervous system as adults. The cuddles we received from our Mom and Dad while growing up remain imprinted at a cellular level, and hugs remind us at a somatic level of that. Hugs, therefore, connect us to our ability to self love.

7. STIMULATES DOPAMINE

Everything everyone does involves protecting and triggering dopamine flow. Low dopamine levels play a role in the neurodegenerative disease Parkinson’s as well as mood disorders such as depression. Dopamine is responsible for giving us that feel-good feeling, and it’s also responsible for motivation! Hugs stimulate brains to release dopamine, the pleasure hormone. Dopamine sensors are the areas that many stimulating drugs such as co***ne and methamphetamine target. The presence of a certain kinds of dopamine receptors are also associated with sensation-seeking.

8. STIMULATES SEROTONIN

Reaching out and hugging releases endorphins and serotonin into the blood vessels and the released endorphins and serotonin cause pleasure and negate pain and sadness and decrease the chances of getting heart problems, helps fight excess weight and prolongs life. Even the cuddling of pets has a soothing effect that reduces the stress levels. Hugging for an extended time lifts one’s serotonin levels, elevating mood and creating happiness.

9. PARASYMPATHETIC BALANCE

Hugs balance out the nervous system. The skin contains a network of tiny, egg-shaped pressure centres called Pacinian corpuscles that can sense touch and which are in contact with the brain through the vagus nerve. The galvanic skin response of someone receiving and giving a hug shows a change in skin conductance. The effect in moisture and electricity in the skin suggests a more balanced state in the nervous system – parasympathetic.
Embrace, embrace with your heart.~~

art: Dorina Costras

Food for thought indeed ...
03/12/2021

Food for thought indeed ...

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