Category Archives: Personal Empowerment

Sponsored: Finicity, a Top Workplaces honoree, is empowering consumers and businesses to connect their financial data to an expanding range of beneficial apps

(Leah Wright photo) Situated just off I-15 in Murray, Utah, Finicity headquarters offers a panoramic view of the snow-capped Wasatch mountain range.

By Jeff Hutchins | SVP & Chief People Officer of Finicity, a Mastercard company

| Nov. 11, 2021, 7:00 a.m.

| Updated: 7:50 p.m.

Finicity, a Mastercard company, was founded on a simple idea: Data is at the heart of good decision-making. Our data access and insights platform powers lenders, payment processors, financial institutions and fintechs across the financial services spectrum. Working together, every decision we make is with consumer empowerment in mind. Finicity has been named a Top Workplace by the Salt Lake Tribune for 2021, in part, because the companys mission of consumer empowerment has helped create an inclusive culture.

According to Finicity Co-founder Steve Smith, Our culture is built on collaboration. We define our culture as the unifying mindset and behaviors that matter most: Focus on our customers, thoughtful risk-taking, a sense of urgency, ownership, empowerment and inclusion. We value visionaries, innovators, and doers. As a recently-acquired Mastercard company, were experiencing massive growth in our open banking division. Were looking for data scientists, network engineers, and developers who want to be a part of something big.

What is open banking? Simply put, open banking gives individuals, families and organizations the ability to give financial service providers or apps permission to access their financial data. In turn, they receive a variety of beneficial financial experiences of their choice. As a result, there has been a major surge in new or improved services coming to the market. Now people have more choice in how they pay or get paid, an enhanced ability to demonstrate creditworthiness, or an expanded set of tools to manage personal or business finances.

Finicity has rapidly emerged as one of the top providers of open banking solutions. We are creating the new money experience using consumer-permissioned data.

With the pandemic, more people are going digital when it comes to their finances. In fact, this past year saw a surge in the use of financial apps, with a 30% year-on-year increase of fintech adoption by US consumers. You may already be using an open banking network. Its the technology that powers many popular financial apps, including Rocket Mortgage, a Mortgage-brokering app; TomoCredit, a credit card for thin-credit consumers and new Americans; and Experian Boost, which can help to improve credit scores.

Finicity is developing next-gen technology to revolutionize the consumer experience in financial services. Join the team! Youll work on new products, experience fast growth with us, and make a real impact on the future of open banking.

During the COVID pandemic, Ive watched Finicity become one of the fastest-growing companies in Utah. Weve added nearly 300 people to the team since the first of the year. Were not stopping there. With the Mastercard acquisition, were growing quickly. We have a number of open positions that are part of the worldwide open banking effort at Mastercard.

Make your mark with a global open banking company on a mission to reimagine how finance happens. Visit our careers site here and find a home for your talent and passion.

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A Utah company is helping fuel the revolution in financial services - Salt Lake Tribune

NEW YORK, Nov. 11, 2021 /PRNewswire/ -- Timed to the 2021 ANCC National Magnet Conference and the ANCC Pathway to Excellence Conference, dermatologist-developed skincare brand CeraVe announced today the return of Heroes Behind the Masks, a promotion and digital content series honoring nurses and their stories as part of the brand's ongoing commitment to the nurse community. Returning for a second annual year, the docuseries will shine a light on the inspiring stories of healthcare heroes around the nation, and starting today, nurses can submit their stories for a chance to have them told on a national platform.

According to key findings from the American Nurses Association's 2021 HealthyNurse survey, 70% of nurses put their patients' safety and well-being above their own. To help care for the healthcare professionals that are so often giving to others before themselves, CeraVe seeks to spotlight those that go beyond the call of duty for their patients and communities.

In addition to having the chance to be featured in the content series, participants will also have a chance to win $2,500 towards a vacation of their choice, and the first 250 qualifying entries will receive a self-care kit including therapeutic CeraVe products. Interested nurses can enter by submitting a short, original essay and optional video at CeraVe.com/Heroes-Behind-the-Masks before the submissions period closes on December 10, 2021.

The return of Heroes Behind the Masks reinforces the brand's commitment to nurses and celebrating their unwavering dedication and the incredible impact they have on the lives they touch every day. CeraVe launched the first installment of Heroes Behind the Masks in October 2020, receiving more than 1,700 inspiring submissions before selecting four nurses from around the country to highlight in the inaugural content series. The videos explored winners' inspiration for entering the field, challenges they faced throughout the pandemic and hopes they have for the future of nursing, honoring a labor and delivery nurse, a traveling critical care nurse, a nurse anesthetist and a medical-surgical registered nurse.

"As we saw through last year's stories, nurses share in some of the most joyful moments of a patient's life but are also witness to some of the toughest moments, which can be a taxing part of their jobs and something that often goes unrecognized," said Jaclyn Marrone, Vice President of Marketing for CeraVe. "To express our sincerest gratitude, we're honored to once again shine a light on this group of professionals who are the heart of a patient's experience and hope the return of this program continues to provide a platform for these incredible stories to be told, inspiring both the nursing community and beyond."

This year's entry period opens timed to the brand's participation in the American Nurse Credentialing Center National Magnet Conference and Pathway to Excellence Conference, hosted in Atlanta, Georgia this weekend, November 11 13. The ANCC National Magnet Conference is the most influential gathering for nurses and healthcare stakeholders globally, as nurses from around the world convene for educational and innovative sessions.

As part of its partnership with the American Nurses Association, CeraVe also continues to sponsor the ANA Enterprise as an extension of their Healthy Nurse, Healthy Nation initiative, a movement designed to transform the health of the nation by improving the health of the nation's 4.3 million registered nurses. Through the initiative, ANA connects and engages with nurses to inspire them to take action in five key areas: activity, rest, nutrition, quality of life and safety.

To stay connected to nurses throughout the year, CeraVe also offers an online community for nurses to come together for personal and professional empowerment and to be reminded of small self-care habits that can go a long way. Nurses can join this online community to stay in touch with the brand by joining the Shift Change: Nurse Essentials Facebook group.

Nurses interested in sharing their story for a chance to be featured in the docuseries and to win $2,500 towards a vacation of their choice can visit CeraVe.com/heroes-behind-the-masks.com to submit before December 10, 2021. Four Grand Prize winners will be selected and featured in Chapter Two of the video series and additionally, 15 nurses will be selected to be featured in corresponding social media content, all premiering in Spring 2022 ahead of National Nurses Week. For complete Official Rules and how to enter, visit CeraVe.com/Heroes-Behind-the-Masks.

As a brand with roots in the medical community, CeraVe supports various initiatives for the broader healthcare community throughout the year. CeraVe is proud to offer affordable and effective therapeutic skincare products that help healthcare professionals improve patient outcomes in skincare. The full CeraVe portfolio continues to expand, as all products remain formulated with three essential ceramides to help restore and strengthen the skin's natural barrier. For more information on CeraVe and Heroes Behind the Masks, visit the brand on Facebook, Instagram, and Twitter.

About CeraVe

Founded in 2005 and developed with dermatologists, CeraVe is the first and only brand to offer a complete line of products containing essential ceramides and patented MVE technology to help restore the skin's natural protective barrier. CeraVe has a full line of skincare products to follow the dermatologist-recommended steps of: cleanse, treat, moisturize, and protect. The brand's mission is to provide therapeutic skincare for all. For more information, visit the brand on Facebook, Instagram, Twitter or at http://www.cerave.com.

About L'Oral

L'Oral has devoted itself to beauty for over 100 years. With its unique international portfolio of 34 diverse and complementary brands, the Group generated sales amounting to 25.8 billion euros in 2016 and employs 89,300 people worldwide. As the world's leading beauty company, L'Oral is present across all distribution networks: mass market, department stores, pharmacies and drugstores, hair salons, travel retail, branded retail and e-commerce. Research and innovation, and a dedicated research team of 3,870 people, are at the core of L'Oral's strategy, working to meet beauty aspirations all over the world. L'Oral's sustainability commitment for 2020 "Sharing Beauty With All" sets out ambitious sustainable development objectives across the Group's value chain. For more information visit http://www.loreal.com.

About the American Nurses Credentialing Center

The mission of theAmerican Nurses Credentialing Center(ANCC), a subsidiary of the American Nurses Association, is to promote excellence in nursing and health care globally through credentialing programs. ANCC's internationally renowned credentialing programs certify and recognize individual nurses in specialty practice areas. ANCC recognizes health care organizations that promote nursing excellence and quality patient outcomes while providing safe, positive work environments. In addition, ANCC accredits health care organizations that provide and approve continuing nursing education and accredits transition-to-practice programs that prepare nurses for new practice roles. For more information about ANCC, visit us atnursingworld.org/ANCCand follow us onTwitter. ANCC is the only nurse credentialing organization to successfully achieve ISO 9001: 2015 certification.

About the American Nurses Association

TheAmerican Nurses Association(ANA) is the premier organization representing the interests of the nation's 4.3 million registered nurses. ANA advances the profession by fostering high standards of nursing practice, promoting a safe and ethical work environment, bolstering the health and wellness of nurses, and advocating on health care issues that affect nurses and the public. ANA is at the forefront of improving the quality of health care for all. For more information, visitwww.nursingworld.org.

SOURCE CeraVe

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CeraVe Seeks to Honor Nurse Heroes as Entry Period Opens for "Heroes Behind the Masks: Chapter 2" Promotion and Video Series - PRNewswire

International aid is often rightly criticised. Too top down, too much red tape, too many overhead costs and so forth. Yet sometimes interesting ideas can emerge, and one of these is the Women's Leadership Mentoring Programme organised by the British Embassy in Kathmandu, a very smart way to celebrate the International Day of the Girl Child 2021.

Technically I am not even sure if we can consider this initiative as part of the official aid assistance, but it does not matter because it is an innovation that could show the way in terms of future replications and scaling up.

In short, this is how it works: heads of international development agencies in Nepal and ambassadors to the country, all women, will be connected with promising young women that are still very much at the beginning of their careers.It is mentoring, but actually it looks like a coaching programme, and this is the way it should be because the latter methodology is really focussed on achieving future goals while the former, mentoring, is more about sharing experiences and giving advice and suggestions.

Given the considerable differences between a foreign high-level official, like all the senior professionals lending their time for this programme, and the beneficiaries, differences in terms of environments and contexts in which both groups grew up, a focus on the future makes total sense, starting from the strengths that the selected beneficiaries do own.

Talking about strengths is of absolute importance, especially when we deal with the youth, and it is a real must when we deal with promising, high potential young individuals from vulnerable groups. We often do not realise or we tend to forget that we all have strengths that, only partially related to innate talents, can be acquired and developed.

If you are very much at the beginning of your career and you are in the vortex of emotions pulling you to different sides at the same time and if you have to deal with certain aspects of a local culture that are not exactly supportive of a young woman's personal development and at the same time you have ambition and "fire in the belly", things can really get frustrating and very hard to deal with.

Being confused is one thing and quite normal actually, but being constrained by barriers posed by the society that won't allow your self-empowerment is an entirely different thing. That's why this idea from the British Embassy is really fresh air, and it is great to know that it has been embraced by very important and very busy leaders.

Imagine a young woman who is hard working and has big dreams and, perhaps, even concrete goals she wants to achieve. Talents, check; inner strengths, check; determination, check; hard working attitude, check; humbleness, these days a very valued leadership quality, also check.

This young woman that has all the qualities to really emerge and thrive might instead, if neither allowed nor enabled to explore her path and make her own choices, get stuck in a future of mediocrity for the rest of her life. In the worst scenario, and we all know it is very common, lack of opportunities and freedom might mean a life in poverty and loss of interest in life with all the grave consequences that might come.

Nepal like many other emerging nations is so rich in human capital, but it is also shockingly effective at wasting youth 'talents'.

What a pity it is because this country is an incredible rich "mine" of potential that, unfortunately, keeps going wasted.

You see this not only in the ambition of young women who do not have nor have found the "keys" to the right rooms and corridors where they can showcase their incredible capabilities. You also notice it outside the many recruiting agencies that these days are sending local youths for jobs that, for now, can only be found in the Gulf countries.

That's why this programme is a game changer, neither because of its budget nor because of any money to be handed out, but because it tries to offer, even if for a very small number of beneficiaries, a path towards self-realisation and meaningful life. Programmes focused on mentoring and coaching can really make the difference.

In this particular case, the selected young women won't only have exclusive time with their mentor/ coach but will also, if the pandemic permits, be allowed to have one day of "job shadowing" with senior officials and, perhaps, with their own mentor/ coach. In addition, they will be able to attend events and get in the right "network".

This can be really an amazing and life changing opportunity at a very affordable cost, and here is a proposal.

Let's consider this programme a sort of pilot one that, if worked out well and all the indications show that it really might be, can be replicated and scaled. VSO has already implemented in the past a successful mentoring programme at the grassroots level, and there are many other initiatives on the ground that are happening, but much more can be done.

This is an appeal not only to the male heads of development agencies or to the male ambassadors representing their own countries, but this is actually a call for action for business leaders, lawyers, civil society activists so that they can embrace this type of initiative because it can really make the difference .

Imagine if the ten biggest industrial groups were to encourage their executives and managers to embrace mentorship and coaching to support young people with ambition, including those from vulnerable groups like the dalit, sexual minorities and youth living with disabilities. Imagine if members of Lions, Rotary or Global Shapers or members of Round Table would do the same.

It would really be a big deal and make a true difference for the future of this country. Kudos to the British Embassy and all the agencies and embassies involved for modeling something different, a unique opportunity for promising citizens that Nepal is so in desperate need of.

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Mentorship and coaching of youth: When they can make the difference - The Himalayan Times

Ruth Bader Ginsburg, Supreme Court judge and womens rights activist, passed away this year, leaving behind a great legacy and also some very inspiring words.Ginsburg may have made the words famous but women across America are following her advice. Women are taking over leadership positions by storm.

From a governmental standpoint, 104 women are serving theU.S.House and Senate, making up 19% of Congress. This is double what it was 20 years ago.

On the business side, 26 women are now CEOs of Fortune 500 companies about5%. In 1995 there were none. And there are more women in the boardrooms than ever before.

This is happening not just on a national level. Business professionals in the Lehigh Valley are embracing women in leadership. Local organizationssuch as the Chambers Womens Business Council andMompreneursof the Lehigh Valley help to support this mission.

The Womens Business Council empowers women within the business community and provides a networking forum for professional women through events that provide professional development. Event topics include things like sales and marketing strategies, personal growth and health issues.

Mompreneursof the Lehigh Valley is a support group for moms who own their own businessandwant to connect with like-minded women, learn from each other, share ideas and collaborate. This unique group focuses on the Super Moms who balance running a business with running the household.

While women are finding more outlets to participate in business, men are supporting them in many ways. Some men in the Lehigh Valley are helping their wives run their business; others show their support by attending or sponsoring women-led events; and malebusiness owners are hiring more women to lead their teams.

In fact, more than half of the employees atour business,EBC Printing,are women.My brother, Mustafa, and Isee the value in having women leaders on the team. Last year,wemoved to a new facility. One of the goalsofthe move was to empowerwomen leadership and allowthem to have a powerful pink space to inspire them at work. The pink,ormagenta,color was added to EBCs branding colors, in addition to green.The green represent printing using sustainable methods, such asrecycled paper and petroleum free printing presses, while the magenta color represents women empowerment.

Women make upalmost 51%of the population. Having women as leaders and decision-makers is critical to advancing equality for all.

There is no limit to what we, as women, can accomplish. -Michelle Obama

MurtazaJafferis the co-owner of EBC Printing ofTrexlertown. He can be reached atmurtaza@ebclv.com

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PERSPECTIVE: More women are taking leadership roles, and that's good - LVB - Lehigh Valley Business

Photo-Illustration: Vulture; Photo by Publisher

Over the first 60 seconds of visual artist and writer Hannah Blacks 2014 short video My Bodies, a chorus of Black female vocalists including Beyonc, Rihanna, Ciara, and Mariah Carey croon the phrase My body, as a montage of images of smiling white men in suits dominate the visual frame. We dont see the women themselves; their bodies never appear to take custody of their voices. Black would later tell Artforum that the project was partly a critique of the white-feminist conception of the body, the heritage from the 60s and 70s which involves the affirmation of white nudity, displaying the agency of white naked bodies.

In Emily Ratajkowskis debut memoir, My Body, she writes about Blacks video in an essay about a vacation she took to the Maldives, one sponsored by a hotel group owned by a super-rich guy from Qatar. Struck by a wave of self-consciousness, she frets about her position as a pawn in a system of capitalist patriarchs. The actress and model turns to Blacks work for solace and self-reflection. My body! I sang out loud in my best Rihanna voice, thinking of Hannah Blacks piece as I stepped in the water, adjusting my wet bikini to wedge it further up my ass, she recalls. Her body had paid her way to the island with the promise that her photographed presence might generate a mans profit she knows shes an advertisement, not a vacationing guest. So as she stages her sponsored photos for social media, she seizes the opportunity to promote her own business, cleverly opting to don her own bikini line for the post. After all, she writes, if any one was going to make money off her body, shouldnt that person be her?

Throughout the 12 essays in My Body, Ratajkowski hovers over questions of beauty, abuse, and power, trying to reclaim her image through narratives of self-discovery and feminist evolution. Ive become more familiar with seeing myself through the paparazzis lenses than I am with looking at myself in the mirror, she writes in Buying Myself Back, an essay from the collection that was first published in New York last year. The essay, which recounts Ratajkowskis experience of being sued for posting a paparazzi photograph on her Instagram, as well her efforts to recoup her image from an ex-boyfriend and a predatory photographer, wrestles with the elusiveness of personal empowerment and the (im)possibility of self-possession in a digital age. Its publication inspired a flurry of discourse about the plight of women in toxic professional and personal relationships with men and the need for a redistribution of power.

Amid the praise, there were, of course, inane underestimations of Ratajkowskis intelligence. Yet as the discourse marched on it prompted more serious critiques such as the one articulated by writer Haley Nahman, who questioned whether our broadly deeming her piece politically expedient revealed something about how we currently define activism. Now, with the publication of My Body, its clear that Ratajkowski is working with a more self-interested line of questioning one that proves not to be in conversation with the questions Blacks work invokes regarding race, gender, class, and the corporeal. Turning inward rather than outward, the memoir sets aside the question of bodies and situates an individual body at its center.

My Body opens with a quote from art critic John Bergers series Ways of Seeing, in which he questions the figure of the nude woman in western art: You painted a naked woman because you enjoyed looking at her, put a mirror in her hand and you called the painting Vanity, thus morally condemning the woman whose nakedness you had depicted for your own pleasure. Before Ratajkowski was in that Blurred Lines music video, two Sports Illustrated swimsuit issues, and Gone Girl, she was a UCLA undergraduate student with a burgeoning passion for art history. Finding her art education to be arbitrary and wanting more, she dropped out and turned to a more embodied and economically promising art practice: modeling. With My Body, Ratajkowski places herself within the Bergerian dilemma, giving voice to her lived experience as a naked woman of the 21st century. I have learned that my image, my reflection, is not my own, she writes.

Ratajkowskis sentences are clear cut, reflective, and declarative; external and internal dialogues sit next to one another without apology. In subject matter, Ratajkowski is archival, looking back in the hopes of moving forward. Where the come-up story of an always-beautiful woman could risk alienating readers or further the flattening of Ratajkowskis public persona, her stories about her childhood, early years as a full-time model, and musings on motherhood and marriage rescue the project from that fate. Her writing shines brightest in anecdotes where she allows the narrative to breathe without elaborate explanation.In Beauty Lessons the chapter that perhaps best represents her skill for storytelling and capacity to play with form she recounts 23 moments in which she was instructed in the social capital of beauty. Beauty was a way for me to be special. When I was special, I felt my parents love for me the most, she writes. Much of the essay centers on her mothers teachings about how brutal and beneficial assessments of beauty can be, and Ratajkowski proved to be a quick study: When a random woman mistreats her mother, the author, at age 3, already knows how to remedy her mothers shift in mood: Theyre just jealous, Mama! she declared. Now she wonders: How had I already been introduced to the concept of competition between women before I had even learned to read?

She may want to situate her experiences within a broader western feminist discourse,but she is in conversation, first and foremost, with herself.Each of the short recollections in Beauty Lessons reveal her interest in tending to the memories that made her on her journey toward reeducation. Ratajkowski frames the development of her political consciousness as a process born of self-consciousness, a cancerous and consuming view of the self that the writer argues was pushed on her by patriarchal capitalist society. Shes on a quest to both see herself differently and be seen differently.

This is evolution as a series of self-edits, and the writer she examines most closely is herself. In 2017, she published an essay in Lenny Letter called Baby Woman about coming of age and cultivating sexiness as a means of self-empowerment. That piece ends, I struggle to find the space between as an artist, as a model, and simply as a woman a space where I can have ownership and enjoyment of my gender. Honoring our sexuality as women is a messy, messy business, but if we dont try, what do we become? Revisiting those words years later in the essay Blurred Lines, Ratajkowski now admits that her argument was shortsighted. Today I read that essay and look at those interviews from that period of my life and feel a tenderness toward my younger self. My defensiveness and defiance are palpable to me now. What I wrote and preached then reflected what I believed at the time but it missed a much more complicated picture, she writes. Whatever influence and status Ive gained were only granted to me because I appealed to men. My position brought me in close proximity to wealth and power and brought me some autonomy, but it hasnt resulted in true empowerment.

As she grapples with the realization that women who gained power from beauty were indebted to the men whose desire granted them that power in the first place, Ratajakowski resolves to forgive herself for all such debts to men whose valuations of her helped build her career. In Men Like You, a chapter addressed to a photographer named Steve whose nude photographs of a 19-year-old Ratajakowski put the then-teenager on the radar of both Robin Thicke and Adam Levine she recounts those who attempted to make a muse out of her and the aftertaste those exchanges left behind. Of these moments, Ratajkowski asks herself, What is the power of my body? Is it ever my power? She turns her resentment into a righteous declaration: I will proclaim all my mistakes and contradictions, for all the women who cannot do so, for all the women weve called muses without learning their names, whose silence we mistook for consent. I stood on their shoulders. Where Steve is concerned, Ratajkowski asserts, I do not believe I owe you anything.

But what of the women whose shoulders she stands on? The flip side to refusing indebtedness is that the collection ends up suffering from an aversion to citation. As she retraces her feminist evolution through pop culture and personal experience, Ratajkowski avoids thorough consideration of the writers and thinkers who facilitated her journey. Even her reference to Blacks work, which seemed to inspire the books title, is given only a few lines. Ratajkowskis body has served as a site for debate, desire, and derision; as she reconstructs and reclaims herself, its unclear how she became intellectually equipped to even attempt such an endeavor. My Body mostly omits the wider dialogues on desirability politics, media, labor, and power that make the book feel timely, carving out a vision of becoming that prizes the singularity of the author. The result is a story of beauty and alienation, the narrative of an only child. It is the tale of a woman who serves as a lucrative source of inspiration for others and yet finds her own quest for inspiration to be far less fruitful.

Though at times its small scope causes the pulse of the collection to grow faint, My Body finds its heartbeat again when Ratajkowski describes feelings of exhaustion. These moments require acknowledgment of her bodys existence beyond its perceived beauty. In one essay, she remembers how, during an intense bike ride with her husband and best friend, a pregnant Ratajkowski lagged behind her companions, tired and consumed by thoughts of her own disheveled appearance. But then: It doesnt matter what I look like, I realized. Pushing past her own appraisal of her body, Ratajakowski rejoices, reveling in the pumping of her blood and the burn in her thighs. What a joy life can be in this body, she writes. My Body relies on these bursts of energy and intrigue. With each essay, Ratajowski flexes her capacity for self-narration, a musculature of the mind built by years of watching herself being looked at. She understands that any memoir is a vanity project, settling into this tradition without shame. Ratajkowski sets her own timer and poses for her literary portrait.

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What Is the Power of My Body? - Vulture

Heres the great secret about beginner running plans: You dont need much to actually get startedjust a comfortable pair of running shoes and an openness to try something new. Running for beginners has never been easier!

Running is one of the best ways to get fit and improve your emotional and physical well-being. Running, more than any other sustained activity, turns on the good attitude circuit, the vitality circuit, and the personal empowerment circuit in the brain, explains Jeff Galloway, Olympic runner and creator of the Run-Walk Method, a program that alternates running and walking to help beginners get started. It allows people to change the way they feel and enjoy the exertion if they do it the right way.

So whether youre coming back to running after a long pause or a total beginner, welcome! These tips and tricks will to help you shake off those nerves and hit the road.

Dont be intimidated: Running isnt just running, which you know how to do. A huge roadblock to getting started is just mental, says Kerl LaJeune, an RRCA certified marathon coach. We think to ourselves, only professionals run, Im too old, I dont have the right shoes or gear. The first step is to understand that running is not this magical thing that requires superpowers to do, LaJeune explains. Its something thats only slightly different from what we do every daywalking around.

When you get started as a new runner, its important to be flexible and give yourself grace through the process, adds Ashlee Lawson Green, RRCA-certified Running Coach and CEO of Rungrl. Maybe you plan to run for 20 minutes on your first day but find you can only do 10. You still got out there and started to move! It may not be what you planned, but you can spend the other 10 minutes walking.

If there are things in your mind holding you back, be it weight, age, or athletic ability, you can always start with a fast walk. That will be close to a running pace, and you can go from there. Dont focus on hindrances; just start the process.

Why are you running? Do you want to improve your health, find time to get outside, or share an activity with a loved one? You can have the most costly gear, and its still not going to get you off that couch, says LaJeune.

Its crucial for beginners to find what intrinsically motivates them rather than a specific distance or time. Finding your why will help make this a routine you enjoy and something youll stick to.

Have you ever run to catch a train or stop your car from getting a ticket? You push your body from zero to 100 within seconds, and whether its in an hour or the next day, your body feels it (and not in a good way!).

You have to be aware that your muscles, ligaments, and even your skin will be changing if you add a new type of movement, says LaJeune. When you do anything thats beyond the level of your normal bodily exertion, youre going to have to prepare so your body isnt shocked. The three key components of your prep:

To avoid fatigue, be sure to hydrate and get enough nutrientssalt, carbs, and proteininto your body well before you stretch or hit the road. Then, stretching followed by a brief walking period will help you avoid unnecessary injury and prepare your body for the more rigorous movement to come.

In running, pace is the number of minutes it takes you to cover a mile. Its essentially your speed, and a faster pace means greater distance in less time and a more strenuous workout.

Sticking to one continuous, intense pace results in quicker fatiguewhich can be discouraging, says Galloway. Instead, run in intervals. The Olympian came up with his Run-Walk Method because it breaks up the distance into manageable units and gives beginners greater control over how they feel during their run. Not only does alternating pace make running easier, but it also leads to quicker recovery, puts less stress on the weaker parts of your body, and allows you to conserve your bodys resources so you can keep going for longer periods, Galloway explains.

After your initial 35 minute walk, ease into a gentle run-walk combo. Walk periods interspersed between running intervals should be from 30 to 60 seconds.

As for when to take walk breaks, from Galloway, If youre starting to huff and puff, thats a sign that you're exceeding your speed limit, because respiration rate is directly tied to heart rate. At that point, take a quick walk break to reset, and then start back at a more gentle running pace. A lot of beginners who have been sedentary most of their life and are over a certain age will not be able to run more than seven seconds at the start, and thats perfectly okay.

Beginners should run every other day so that they eventually work up to 30 minutes, explains Galloway. This magic number is the threshold needed for the brain to release hormones that produce a runners high.

The amount of time you spend running your first day doesnt necessarily matter, so long as you end that term feeling strong and like you want to go out and do it again. The goal is to gradually build up your duration. If you start with 10 minutes, increase that to 15 minutes next time.

Cooling down after a run is essentially warming up in reverse. Slow your run to a gentle walk, and continue for five minutes. If you have the time to walk for 10 minutes, thats even better because it gives your body more time to lower your heart rate to its resting state, and it helps you avoid next-day soreness, adds Galloway.

Continue to pay attention to the fluid levels in your body by rehydrating, and its important to eat carbs and protein afterward to help your muscles repair themselves. Research shows that people frequently overestimate how much energy theyve expended, or calories theyve burned while working out, and end up eating more than necessary for recovery (23 times more!). You wont need a post-run feast; a light meal with these nutritional components should suffice.

Forming a new habit can be difficult, but finding some consistency is worth it! Even a gentle running routine can make you happier and help brighten your day. Plus, it feels great to see yourself get better at a new activity, and regular running will allow your body to make the adjustments it needs to go farther, faster.

A final note on motivation, from Green: I always ask people to remember their why. What is the reason you wanted to begin running in the first place? If you can track back to the reason you decided to put one foot in front of the other, chances are, that will continue to be the motivation you need to hop on that treadmill or get out the door and hit the pavement.

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How to Start Running - A Beginner's Guide to Running for Newbies - Prevention.com

Sam Evans was just 23 years old when she was offered her first line of cocaine at the funeral of a friend who had died from a drugs overdose.

Having been through a heartbreaking abortion, suffered horrendous bullying and in mourning, Sam was at an all-time low so she said yes.

Within six weeks, the now 42-year-old was taking cocaine every day, spending hundreds each week. Her weight dropped from 147 pounds to 112 pounds, and she was signed off work.

It sparked a spiral of addiction that saw Sam, from London, forced to declare herself bankrupt aged 30 after getting into $54,109 of debt to fund her habit.

Now, Sam has turned her life around, earning up to $13,527 a month as a life coach helping others overcome adversity, and she has written a new book The Cognitive Switch.

Taking drugs was a cry for help that no one could hear. I was unhappy and had been since I was little. I was desperately seeking love, Sam said.

It led me into toxic relationships, and because of the way I was behaving, no job I had lasted more than 18 months.

But through the work Ive done on myself with coaching and therapy in the past five years, I believe what I go through Igrowthrough to help other people. That I needed to go through the pain, come out the other end, and show people how they can do it too.

Sam grew up in East London in a predominately white British area, in a strict Indian family with her two younger sisters.

She felt as though she didnt fit in at school, and was bullied by classmates who racially abused her. At seven, she remembers praying to god to take her back.

I didnt fit in because I didnt look the same. Other kids would tell me I was dirty because of my skin color.

My parents were very strict, so I didnt feel as though I could breathe without getting into trouble. It was the same at secondary school. I tried desperately to fit in, but friends would disappear quickly.

At 15, Sam had had enough of living at home when her parents divorced, so she went to live with her grandparents nearby, who allowed her to get a part-time job in Topshop.

But Sam would spend every penny on clothes and became addicted, hiding her haul in her wardrobe.

I loved the new outfits and little tops, but I wasnt allowed to wear them.

After completing her GCSEs and A-levels, Sam studied an art foundation course, then a massage course, but she left both without finishing.

At 18, and teetotal, she started socializing and met her then-boyfriend, falling pregnant when she was 20.

I didnt know what to do, so I had an abortion. Id only told my ex, so he came with me to the clinic. When I came round after the procedure, I was screaming at him to leave me alone.

I split up with him and felt numb. Abortion was frowned upon by my family, but I eventually told my mom and she was really supportive, but I was deeply heartbroken at what Id done.

Within the next year, Sam was diagnosed with chronic fatigue syndrome, just as she was going to launch her own business, a retail store selling womens clothes.

Then, at aged 23, one of Sams friends died of an accidental drugs overdose. And her world came crashing down.

I was offered cocaine at his funeral. At first I said no. But I was at an all-time low, and Id never let go after having an abortion. When I had a taste of cocaine I thought this is amazing, it numbed my pain.

Within six weeks, Id been signed off from work, my weight dropped. I was addicted.

I was doing a gram a day at $67 a day. I started borrowing money from friends, taking out loans and maxing credit cards to fund my clothes and drug habit. I was spiraling out of control.

Working in the financial industry as a PA in London, Sam started going out clubbing.

At first, she would spend $676 a night, buying everyone drinks and drugs so she felt in control.

Sam would also spend $1,352 per month on clothes, opting for designer brands such as D&G, Versace and Prada.

I just didnt care about myself. I ended up rowing with my real friends who wanted me to stop taking drugs and found other people who wanted to take cocaine.

Id get out of my head. Sometimes Id just go off on my own, jump in a taxi and go dancing, even though I could barely stand up. Im so grateful nothing happened to me.

I had no sense of responsibility, and all my jobs were on short-term contracts, so Id either get sacked or the contract would come to an end and they wouldnt ask me to stay.

Sam ignored her increasing debts, which were racking up interest every month.

By the age of 25,Sam was $54,109 in debt. So she took out an Individual Voluntary Arrangement with a company who called her over the phone and started paying off $574 a month.

But her partying continued, and at 27, she met her ex-boyfriend, and she began to shut out her friends and family.

I pushed for us to move in with each other, despite friends warning me he was a bad influence. Wed stay at home doing cocaine, sometimes staying up for days.

People were calling me a junkie. You can see in photos how dark and sad my eyes were. I was a wreck.

This carried on until I was 29. Then we split up, and I was devastated. I found out he hadnt been paying the rent, so I had to pay the arrears.

I then had a call to say my IVA had been conning me, so none of my debt had gone away. That money I had paid every month for five years just disappeared.

I then lost my 30,000-a-year ($40,000) job at a bank and had an emotional breakdown. I hit rock bottom.

Sam managed to pick herself back up, but it took seven months to find a new job because of her bad credit rating.

Aged 30, she started working at the Bank of America, moving into a new flat and she cut down the amount of drugs she was taking, but she was still addicted.

The following year, at work, Sam met her now-husband Barry, now 45, and it was love at first sight after a whirlwind romance, Barry proposed to Sam on her 31st birthday in 2011.

Having found someone who gave Sam the security she longed for, she quit her drug habit overnight. She found a different high in life.

We had moved into his house in South East London, and I was pregnant with our first child when Barry got down on one knee, and I said yes straight away.

Sam suffered postnatal depression after Joshua, now nine was born and decided to quit her banking career to become a Montessori teacher.

After welcoming their second child, Micah, in 2013, Sam started to work in network marketing, which introduced her to positive affirmations and the benefits they had on her mindset.

This led her to the world of coaching, and in 2018, she started to work with therapists and mentors to peel off a layer at a time.

It was a really emotional time I would cry a lot during these sessions as all the negative emotions from my past would come to the surface.

I got to the root cause of why I had turned to drugs and had become addicted to buying clothes.

In 2018, Sam who is now a qualified Emotional Quotient Practitioner and Hypnotherapy coach set up her own businessSam Evans Global,where she helps clients through personal crises and meet their professional goals.

I help people who feel stuck and like theyre going round in a vicious cycle and no matter how hard they push themselves they feel like theyre going backwards.

I rewire their thinking, to forgive the past so they can achieve what they want, whether thats in a relationship, in a business or as a parent.

Through one-on-one and group sessions, Sams business has soared, with her earnings topping $13,558 a month.

Sam charges $2,700 a month for her one-to-one program, and offers these or group sessions, which vary from $405 to $1,600pp per month. Her clients are based in the UK and the US.

On top of this, she also earns money from book royalties, her practitioner courses and training other coaches.

She has written about her experiences and coaching techniques in a new book calledThe Cognitive Switch: Turn off self-sabotage and turn on self-empowerment like a flick of a switch.

Ive shared these powerful tools to allow readers to take ownership themselves. I tell them how to do it, and guide them through the process, and they know that Ive been where they are.

The book put every single piece of information in my brain together. It was like everything I had been through had led to this point.

I now feel aligned and now feel content. I understand why I went through everything that I did. I now know my purpose, more than ever, and I now know that my purpose is definitely bigger than me.

This story originally appeared on The Sun and was reproduced here with permission.

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I was bankrupt at 30 from funding my cocaine habit now I earn over $13,000 a month - New York Post

Tickets Available at GoldOverAmericaTour.com

LOS ANGELES, November 08, 2021--(BUSINESS WIRE)--Simone Biles, the most decorated female gymnast of all time, and the best gymnasts in the world will debut the Athleta Presents Gold Over America Tour on the Stellar streaming platform on December 4 at 1 p.m. Pacific/4:00 p.m. Eastern. The show, an embodiment of the themes of empowerment and togetherness which were on display in Tokyo, is a high-energy, gymnastics-meets-pop-concert spectacular. Each athlete performs some of her most famous routines mixed with career highlights, personal videos and social media interactions. Tickets for the streaming event will be available through http://www.goldoveramericatour.com.

"I am so excited to bring the Athleta Presents Gold Over America Tour into homes across America," said Biles. "I hope the Tour has inspired the next generation of athletes, and Im excited that more people might now be able to see our incredible show."

Biles, who medaled with silver for team competition and bronze for the balance beam, will be joined by her teammates Jade Carey, who won gold in floor exercise; Jordan Chiles and Grace McCallum, who each won silver for team competition; and MyKayla Skinner, who won silver in vault. Additional participants include 2016 gold and silver medalist in Rio and Dancing With The Stars champion Laurie Hernandez; All-American, NCAA National Champion and viral video sensation Katelyn Ohashi; Morgan Hurd, winner of three gold medals in 2019 and 2020 at the Tokyo World Cup; elite gymnast Shilese Jones; former USA Gymnastics Women's Athlete of the Year Chellsie Memmel; 2021 French Olympian Melanie De Jesus dos Santos; the top Canadian female gymnast of all time Ellie Black; and U.S. National Team member from 2012-2016 and the 2018 NCAA Gymnastics Champion Nia Dennis.

These women are not only athletes at the top-of-their-game, but also the ultimate squad. The show emerges from their personal values of empowerment, friendship, positive body image, mental health awareness and self-confidence. A crew of gymnastic dancers under eye-popping LED video screens and lights rounds out the experience.

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Produced by MagicSpace Entertainment and promoted by AEG Presents/Concerts West, the Athleta Presents Gold Over America Tour visited 32 North American cities in Fall 2021. The creative team includes Director Mark "Swany" Swanhart and Associate Director Louanne Madorma, along with world-renowned gymnastics coach Valorie "Miss Val" Kondos Field, who serves as Supervising Choreographer for the tour. The tour is produced by Lee D. Marshall and executive produced by Swany Swanhart, Louanne Madorma, Miss Val Kondos Field and Guy Phillips.

For more information on the Athleta Presents Gold Over America Tour streaming event, visit http://www.GoldOverAmericaTour.com. Follow on Instagram & Facebook @GoldOverAmericaTour, Twitter @GoldOverAmerica and YouTube. #GoldInAllOfUs

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Simone Biles and the Best Gymnasts in the World Will Make Streaming Debut on December 4 in Athleta Presents Gold Over America Tour - Yahoo Finance

Campaign includes National Survey of Americans Examining What Matters in 2021 and Beyond

MANCHESTER, N.H., Nov. 9, 2021 /PRNewswire/ -- MegaFood, a leading vitamin and supplement brand, today announced the launch of "What Matters," a social media series designed to shine a light on how we value and prioritize both our personal health and the health of our planet. Premiering on Sunday, November 7 on MegaFood's Instagram channel, the What Matters Instagram series features inspiring guests Ally Love, CEO & Founder of Love Squad, Peloton Instructor, and Host of the Brooklyn Nets, Kanchan Koya, PhD, founder of Spice Spice Baby, Kathryn Kellogg, sustainability and zero-waste advocate and Ann-Marie Hourigan, Quality Standards Principal Advisor at Whole Foods Market, who sit down with Erin Stokes, ND, MegaFood's Medical Director, for thought-provoking conversations. Discussions cover empowerment and how conversation is the catalyst for change, the power of food and science behind eating for your body's unique biochemistry, and the impact and importance of regenerative agriculture and sustainable living. To understand "What Matters" to Americans today, MegaFood also surveyed 2,000 people to explore how attitudes towards health and wellness have shifted over the last year and a half.

The survey, conducted by OnePoll, highlighted that nearly 75% of Americans realized the need to prioritize their health more than they had in the past, and that the last 18 months has given them a chance to become healthier and focus on what matters most. This statistic, combined with 74% of respondents sharing that they consider mental and emotional health to be just as important as physical health, signals we've shifted our view of health in a singular way. The results were encouraging, highlighting a vast majority (88%) of respondents have developed a variety of new healthy habits during the past 18 months, including exercising more (43%), eating healthier foods (42%), focusing on relationships with friends and family (37%), and starting therapy (27%).

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"This survey provided valuable insight into what matters most to Americans," says Dr. Erin Stokes, MegaFood's Medical Director. "What's particularly interesting about these results is that we're no longer sustaining our health and well-being at just a surface-level. Americans from millennials to GenXers to baby boomers are looking at their health and well-being holistically, from what they eat to how they spend their free time."

Beyond personal health, survey respondents were also asked about the health of our planet and how much that matters to them. Seventy-eight percent of respondents agreed that it's important we address the health of our soil to ensure we have more nutrients in our food. Furthermore, three-fourths of respondents also care about climate-friendly farming practices.

"We're glad the survey results showed how many Americans are aware of the soil crisis and the need to focus on the health of our planet," says Bethany Davis, Director of Social Impact at MegaFood, who also participates in the What Matters episode on regenerative agriculture & sustainable living. "At MegaFood, we are on a mission to support what matters most to us: nourishing the soil for quality ingredients and supporting our farm system to grow a healthier world for people and the planet."

Zero-waste sustainability advocate and influencer, Kathryn Kellogg adds, "In terms of shifting our behavior when it comes to regenerative agriculture, I think one of the best things we can do is find a local farm and join their CSA Program." She continues, "that way, we can support these farmers and ensure that they're going to thrive and make sure these practices will be around for a long time to come."

Hosted by Dr. Erin Stokes, each interview of the "What Matters" Instagram series takes a deeper dive into several of the themes reflected in the survey. Ally Love, CEO & Founder of Love Squad and Peloton Instructor, kicks it off with an inspiring conversation focused on empowerment, available to view now on MegaFood's Instagram.

Follow @MegaFood on Instagram to watch the conversations. "What Matters" is packed with purpose and a goal to raise awareness for the Women's Earth Alliance (WEA), a global organization that catalyzes women-led, grassroots solutions to protect our environment, support farmers and strengthen communities, all to ensure the long-term health of our planet. Recognizing the importance of these efforts to our collective well-being, MegaFood has donated $30,000 to support WEA's work with women leaders.

To learn more about the MegaFood "What Matters" series, go to MegaFood.com.

MEDIA CONTACT: megafood@cerconebrown.com

About MegaFoodMegaFood exists to grow a healthier world and believes in the power of plants to make people & the planet happier & healthier. MegaFood expertly crafts supplements that pair key vitamins & minerals with real food, and partners with farmers who share a commitment to nutrient-dense food and soil health through regenerative agriculture. Obsessed with quality, MegaFood offers 9 product certifications, like Non-GMO Project Verified and certified glyphosate residue free. As a B Corporation, the company believes in doing things the right way to sow a strong foundation of health that helps people thrive. Learn more at MegaFood.com or follow @MegaFood on Instagram & @MegaFoodFans on Facebook.

About Women's Earth AllianceWomen's Earth Alliance (WEA) believes that when women thrive, the Earth thrives. Since 2006, WEA has been on a mission to protect our environment, reverse climate change, and ensure a just, thriving world by empowering women's leadership. In some of the most environmentally threatened regions, WEA leaders are launching sustainable farms, saving indigenous seeds, selling clean cookstoves, providing safe water, protecting land rights, and more. With local leadership guiding each project, WEA designs capacity-building trainings where women access skills and tools in appropriate technology, entrepreneurship, and leadership. They receive seed grants, mentorship, and a global alliance. With these resources in hand, these groups go on to scale their own environmental initiatives and teach others to do the same.

(PRNewsfoto/MegaFood)

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MegaFood Announces What Matters, A Social Media Series Reframing the Conversation Around Health & Wellness Featuring Inspiring Interviews with...

King of Prussia, PA, Nov. 09, 2021 (GLOBE NEWSWIRE) -- According to the initial Black Women, Trust, and the Financial Services Industry Study, three in five Black women expressed difficulty in finding financial professionals or advisors they trust. The research found that engagement of the Black community within the financial services industry is largely transactional not advisory and that Black women are less aware of the different types of relationships they can have with financial advisors and institutions, an especially concerning finding given Black women play a prominent earning and financial decision-making role in Black households and communities.

The Trust Study, comprised of 3,500 middle-income Black women, found that they experience discrimination and difficulty accessing wealth-building tools, with lack of trust as the second most cited reason why this group is not accessing financial services.

These findings are part of the inaugural iteration of the Black Women, Trust, and the Financial Services Industry Study from The American College Center for Economic Empowerment and Equality (CEEE). The research sought to understand Black womens unique financial, social, and emotional insights concerning their wealth journey, its linked impact on their families and communities, and what Black women want and need from the financial services industry to succeed financially.

Black women are aspiring for financial stability for themselves, but at the same time they want to use their economic power to build a better future for their families and their communities, said Karim Hill, executive director of the Center for Economic Empowerment and Equality. The financial services industry has an opportunity to increase awareness of what is possible for Black women and their wealth with trusted advisory services, products, professionals, and investments in advisor diversity and Black-owned financial institutions. The industry must begin providing trusted advice uniquely tailored to Black women who desire to better navigate the world we are living in.

Need for More Culturally Relevant Research and Analysis Essential to Uncover Opportunities for Change

This Trust Study provides a reintroduction to Black women through their own words, in a narrative exploration with statistical significance, and explores new thinking around better serving Black women, their households, and their communities concerning their wealth wants and needs. According to this research, providing information about the questions to ask about savings, investing, and transferring wealth is an easy way to build trust and better relationships with Black women.

The research underscored three cultural norms critical to Black womens financial decision-making and relationships with the financial services industry. Among the emerging themes:

Importance of trust in decision-making

60% of respondents expressed difficulty in finding financial professionals or advisors who they trust

Lack of trust was the second most cited reason after too expensive for why this group is not accessing financial services

Priority of community / family rather than a focus on rugged individualism

62.5% of respondents in higher-income households stated it was important to build wealth for the community

58% believe Black institutions can provide the tools to serve their needs

Value of interpersonal community and relationships

Black women trust financial services professionals to a greater degree (~10% more) than financial services organizations reiterating the importance of trust and personal relationships

Black women (58%) are more likely to report that racial identity affects how they are treated by financial services professionals than gender

This research validates how our Four Steps Forward approach charts a collective pathway for impact that goes beyond the transaction, beyond savings and debt products, to deliver culturally relevant messages embedded in deep, personal advisory relationships across a Black womans wealth journey, said George Nichols III, President and CEO of The American College of Financial Services. Black women are gatekeepers of their families and communities, and many serve as the primary breadwinner and financial decision-maker of their households. The College is committed to evidence-based, data-driven indicators like this inaugural Trust Study that serve as an inquiry of what Black women need to succeed financially and an invitation to be part of an industry-wide solution.

The Trust Study highlights why a cultural lens must be used when investing in ways to accelerate the economic strength of Black women, a key customer segment that needs increased awareness and support from the financial services industry.

Among other key takeaways from the research:

Emergency savings, retirement funds, and credit scores are top priorities for Black women as well as major sources of concern

Racial identity is significant for Black women in both their financial decision-making and their financial services institutions

Black women do trust financial services, but they are more trusting of Black-owned institutions

The research underscores that industry engagement of the Black community is largely transactional, not advisory. What really works are long-term advisor relationships that lead to wealth creation across generations, said Dr. Pamela Jolly, Senior Strategist, The American College of Financial Services.

We must identify ways to better connect Black women with advisory relationships, Jolly continued. "That starts with establishing an understanding of who Black women are before selling to them, connecting products and services to Black womens values, highlighting Black professionals role in the industry as trusted brokers, and building a diverse network of formal and informal channels to connect Black women to their desired wealth outcomes.

The financial services industry has an opportunity to move beyond a transactional relationship with Black women to one that provides planning with product support not product as an insular solution. By creating greater access to applied financial knowledge and community solutions, The College strives to narrow the wealth gap and benefit society through generational financial literacy that empowers and educates. The financial services industry can complement these efforts with products and services specifically designed to help Black families create and sustain wealth-building practices.

Learn more about the Trust Study, the Four Steps Forward and the Center for Economic Empowerment and Equality at TheAmericanCollege.edu/BlackTrust.

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STUDY METHODOLOGY

Information for this study was gathered between July and September 2021. The quantitative study of 3,500 Black women explored the central reasons for and places of Black womens trust and distrust of the financial services industry. These findings informed a qualitative study in which The College spoke with respondents to gain deeper insights into the needs, wants, and aspirations of Black women. The median income of survey respondents was $60,000. The study goes beyond basic financial characteristics to look at the role of cultural beliefs, racial identities, and linked fate in financial decision-making. By combining quantitative and qualitative methods, the study creates a holistic picture of Black women as financial consumers and decision-makers.

ABOUT THE AMERICAN COLLEGE OF FINANCIAL SERVICES The American College of Financial Services was founded in 1927 and is the nations largest nonprofit educational institution devoted to financial services. Holding the highest level of academic accreditation, The College has educated one in five financial advisors across the United States and offers two masters degrees in management and financial services, along with prestigious financial planning designations such as the Retirement Income Certified Professional (RICP), Chartered Life Underwriter (CLU), Wealth Management Certified Professional (WMCP), Chartered Advisor in Philanthropy (CAP), Chartered Special Needs Consultant (ChSNC), Chartered Financial Consultant (ChFC), and education leading to the Certified Financial Planner (CFP) certification. The Colleges faculty represents some of the foremost thought leaders in the financial services profession.Visit TheAmericanCollege.edu and connect with us on LinkedIn, Facebook, Twitter, Instagram, and YouTube.

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Lindsey Allumbaugh The American College of Financial Services 610-526-1418 lindsey.allumbaugh@theamericancollege.edu

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