![]() Because if a device is inaccurate, there is a big possibility that we will not know the root cause of why our internet speed is messy. If that is the case, the accuracy of a specific tool is essential. Since we use these different tools to test our internet speed, we expect a result. Overall, this critical criterion is a massive help in making our process productive. It is not enough that it can give a lot of features, but rather how useful these features are in helping us with our grind. We should inquire if a particular device is practical. ![]() We must gather information from the user experience. The next thing we need to consider when choosing the best internet speed testing tool is its effectiveness. A few prevent malicious malware from attacking our machines and other essential factors. Choosing the safest and secure will give a lot of benefits for all of us. Because if not, this can harm both our work and our devices themselves. We must be careful in choosing the tool we will use. Most of the tools we can use to test our internet speed come with Website Software if you do not know. I hope this article helped you! Please share it with your friends also.Part 4. If you know of any other such apps, let us know in the comment box below. You can use these free apps to test the speed of your WiFi network. If we talk about the speed test, the WiFiman app allows you to conduct download/upload speed tests and compare network performance over a period. You can even use this app to scan network subnets for additional details on detected devices. WiFiman is an app mainly used to detect available WiFi networks and Bluetooth LE devices. It shows you both download and upload speed along with the latency. With Fing – Network Tools, you can run WiFi and cellular internet speed test. Over 40 million users right now use the app to optimize their WiFi network. Fing – Network Toolsįing – Network Tools is one of the best top-rated network analyzer apps available for Android smartphones. Not just that, but the app also adds a real-time internet speed meter right on the status bar. ![]() Guess what? NetSpeed Indicator can show you both WiFi and mobile data speed. It is one of the best and simpler ways to monitor the internet speed on Android. NetSpeed Indicator is pretty much similar to the internet speed meter lite app, which has been listed above. Meteor performs more tests like playing a video, downloading files, uploading files, etc. If you are willing to check which apps have consumed the internet or how apps have performed with the current internet speed, then Meteor might be the best pick for you. It also shows you the devices connected to your WiFi network. You can easily run a speed test on both mobile and WiFi connectivity. In addition, it offers many powerful networks tools for speeding up and setting up networks. is limited by the ISP and does not depend on your bandwidth or Internet speed. IP Tools is a set of tools meant to detect network problems and boost network performance. All the speed test include tests for upload speed and download speed. Regarding the internet speed test, Speedcheck tests both your downloading and uploading speed. It tracks the internet speed in real-time and records all past results. ![]() If you are searching for an Android app to automate checking the internet speed over time, SpeedCheck might be the best pick. Its a fast, free way to see if you are getting the speed you need. You can also access the advanced section to know the upload and ping. Run an Internet speed test through Sparklight. The app interface is pretty simple, and it just shows the download speed. developed the app, and it’s the best speed test app you can have on your Android. It is another excellent Android app that can test both WiFi and mobile data speed. For more on M-Lab's data collection and measurement, including the disclosure of IP. Please agree to the data policy prior to the test. I agree to the data policy, which includes retention and publication of IP addresses. It also shows real-time graphs of internet speed consistency. M-Lab's Speed Test provides advanced diagnostics of the performance of your broadband connection through quick measurements. The good thing about the app is that it shows all parameters of your internet speed, including the downloading, uploading speed, and ping rate. It’s right now the leading internet speed test app available for Android smartphones. Overall, this is a great speed test app for Android. With nPerf, you can test the speed of your 2G, 3G, 4G, 5G, Wimax, WiFi & Ethernet speed test. ![]()
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![]() ![]() You should take a rapid antigen test (RAT) before: You should stay at home for at least 5 days and until you no longer have symptoms. I have recently been in isolation with COVID-19. Histopath Diagnostic Specialists External Linkįind out about travel to Australia and overseas External Link.Douglass Hanly Moir Pathology External Link.Dorevitch Pathology (with Healius pathology) External Link. ![]() See the links below for private pathology centres offering COVID-19 travel testing: I am about to go overseas.Ĭontact a private pathology centre for a pre-departure international travel test. I need to get a test for a medical procedure.įollow the instructions given to you by your GP or surgeon. are 30 and above, and identify as an Aboriginal or Torres Strait Islander.You should visit a GP respiratory clinic or see a GP about a referral to a pathology collection clinic for a PCR test if you: Take a RAT each day, over the next several days while you have symptoms. Stay at home until your symptoms go away. Testing advice for different situations I have symptoms but have tested negative on a RAT. you should stay home until your symptoms go away to avoid spreading your illness.Contact your testing provider if you have not received your test results after 3 days. You should get your test results within 2 days of being tested, but it sometimes takes longer. Your doctor or the clinic where you were tested will contact you by phone or SMS to tell you your results, regardless of if it is positive or negative. Go straight home and wait for your results. You should start taking COVID-19 antiviral medicine within 5 days of your symptoms starting. This is so you can get any help you need, including COVID-19 antiviral medicine, as quickly as possible. If you are eligible for COVID-19 medicine and you have symptoms, see a GP about a PCR test, even if your RAT result is negative. In some circumstances, you may need to pay for your PCR test. If the GP at the GP respiratory clinic thinks you need a PCR test, they will do the test for you during your appointment. Don’t forget to take the referral from your GP with you. Your GP should be able to tell you where your closest one is. If you have a referral from your GP, go to a pathology collection centre.They may give you a referral to a pathology collection centre. They will decide if you need a PCR test based on your symptoms and medical conditions. If you need a letter or other document of your result (such as for travel, medical, work, or educational purposes) you should contact a GP, who can provide this. RATs can detect COVID-19 more easily when repeated over successive days but will not detect other respiratory viruses, such as influenza.take a RAT each day over the next several days while you have symptoms.if you have symptoms, stay home until your symptoms go away.check if you are eligible for COVID medicines.follow the Checklist for COVID cases, including staying home for at least 5 days or until you don’t have symptoms anymore. ![]() You can also buy RATs at supermarkets, phamacies, and other retailers. If you run out of RATs, you can collect more to make sure you are prepared. You can collect RATs as many times as you need. ![]() You are not required to have a Medicare card.
![]() ![]() “Callback” – enable to allow callers to hang up and get a call back.In PRO and Enterprise editions, you can configure these additional options: Fewest Answered - prioritizes available agents who answered the least number of calls in this skill group.Round Robin - cycles sequentially through all available queue agents in this skill group.Hunt Random Start - randomly select an agent to assign the call to, distributing evenly the calls among the agents in this skill group.Ring All - ring the phones of all the agents in this skill group.In this way, incoming calls are first assigned to agents in the level “1” skill group and when not available, move on to the less experienced agents in subsequent skill groups. These “Skill Based Routing” strategies are available: For example, a call center can assign its support agents in increasing skill-level groups based on their expertise. The Enterprise edition also includes Skill-based routing, moving incoming queue calls to agents in the next skill group if members of the previous skill group(s) are busy or logged out. Round Robin – sequentially cycle through agents logged in the queue, i.e. first call is sent to agent 1, second call to agent 2 and so on.Hunt by Threes Random – sends the call simultaneously to 3 random agents.Hunt by Threes Prioritized – forwards the call simultaneously to the top 3 agents, as prioritized in the “Agents” > “Call Queue Agents” section.Fewest Answered – forwards the call to the agent who answered the least number of calls.Least Talk Time – forwards the call to the agent with the least total talk time.Longest Waiting Time – forwards a call to the agent waiting the longest.Pro edition includes these additional Queue strategies: Advanced Queue Features (Pro & Enterprise)ģCX Pro and Enterprise editions include advanced Call Center features. Important: Queue members must be logged in a call queue to start answering calls. You can configure queue member extensions to automatically log out by enabling their “Forwarding Rules” > “Statuses” > “Log out from queues” option for each status profile, or disable to allow users to log in manually. □ Tip: You can add external agents by configuring their extension to “Ring Mobile Simultaneously” in “Extensions” > “Forwarding Rules” > “Options”. “Agents” tab - click to “ Add” the member extensions for this queue and move the extensions up or down to configure their priority.“Click2Call / Click2Meet” - set a user-friendly URL to enable callers to easily request remote assistance. See how this can help your contact centre here and here.“ Options” - select to announce a caller’s queue position and specify the prompts language for the queue. ![]() “ Play Intro Prompt” - set a custom introduction prompt and choose whether to play this prompt before polling the agents.“Music on Hold” - use a custom on-hold audio file.This option also gets triggered if the caller presses the ‘*’ button, to give callers a queue exit option and leave a message. “ Destination if no answer” - define the maximum queue waiting time and the action to perform if the call remains unanswered. If no agent is logged into the queue, this option gets triggered immediately.Alternatively, you can assign an IVR menu option to the queue. “Direct Inbound Dialing (DID)” - optionally assign one or more DIDs to the queue to route calls directly to the queue.for how long the phone keeps ringing before the call is considered unanswered by that agent. “ Ring time” – the timeout in seconds, i.e.This strategy can be used to set up skills-based routing, by prioritizing the agents according to their skills. all calls go to the first agent, and only if this agent is busy, the calls go to the next agent. Prioritized Hunt – distribute calls according to the order specified in the “Call Queue Agents” section.Ring All – ring the phones of ALL the agents.Hunt random start – randomly choose an agent to distribute the call to and evenly distribute calls among available agents.“ Polling Strategy” – define how calls are distributed to agents:.Click “ Add”, enter a name for the queue and select a virtual extension number.To add a Call Queue click on the “ Call Queues” function in the 3CX Management Console and: calls to a sales number are routed to a call queue, where callers are kept in the queue until the next sales person is available to respond. Call Queues enable calls to be queued, instead of them going unanswered, whilst agents are on a call, e.g. ![]() ![]() ![]() Minghella particularly highlights working with Moss in this installment, which significantly marks the actress’ directorial debut. As June withholds the whereabouts of her follow handmaids, she is subjugated to mental and physical torture, to the dismay of a perturbed Nick, who is unwilling to let her go. ![]() After June is on the run for the first two episodes, she is recaptured by Gilead at the of the second and sent to a harrowing detention facility in third, titled “The Crossing,” which serves as Minghella’s episode submission to Emmy judges. This is especially the case at the outset of the fourth season, which takes place in the aftermath of June helping 86 children and nine Marthas escape to Canada and sees Nick return from the front lines to the Eastern District. “He’s always trying to find a way to repent for what he’s done,” the actor continues, accentuating that Nick’s journey “is to find a way to regain some moral composure through this relationship” to and “helping” June (Moss). After having “no sort of breathing space” and being unable to “drop his guard” in the Waterford household, Nick has had “more opportunity for freedom” as his role has expanded within Gilead, Minghella, in reference to his character’s development, expounds. As the show has progressed, however, his numerous layers have slowly been peeled back and the person behind his ostensible stoicism gradually unveiled. SEE Samira Wiley interview: ‘The Handmaid’s Tale’Ī Guardian and driver serving the Waterfords before becoming a Commander in the Gilead military, Minghella’s character Nick is initially an incredibly enigmatic, stoic and physically militant character. ![]() A now 75-time Emmy nominee and 15-time winner, the show took home the Best Drama Series honor in 2017 and became the first series on a streaming service to take home a series prize at the Emmys. The series is based on Margaret Atwood‘s 1985 novel of the same name, which is set in a dystopian near-future America, where women are enslaved as ‘handmaids’ due to plummeting birth-rates and forced to bear children for the ruling class in the new authoritarian Gilead theocracy. In our exclusive video interview (watch above), Minghella discusses his character’s progression throughout the series, his Emmy episode submission, and his collaboration with leading lady and director Elisabeth Moss. “T o see so much of the ‘Handmaid’s’ family recognized, but specifically the crew, was really meaningful because this year was so arduous and difficult,” Minghella says euphorically about his individual and the show’s recognition. Among the 21 Emmy nominations Hulu’s “ The Handmaid’s Tale” racked up this year is the career-first citation for one of its series regulars, Max Minghella, who plays Nick Blaine on the show. ![]() ![]() ![]() Bingo and Chilli are orange dogs and Bluey and Bandit are blue. We’ve learned a lot, about perseverance in the bike episode about the pressures of late-stage capitalism in the one about the tooth.īluey lives in a big house in suburban Brisbane with her four-year-old sister Bingo, her mother Chilli and her father Bandit. Play date? Bike lesson? First bit of money from the tooth fairy? We have been through all this and more with Bluey. The title character is a six-year-old girl who is faced each episode with a developmental event. This is an addictive, joyous, witty, smug, obscurely wounding piece of children’s programming a show that since its launch in 2018 has inspired devotion from viewers of all ages, as well as a hit album, a touring play, an Emmy, threads of anxious sociopolitical debate, and a podcast for grownups that dissects each episode as if Bluey were the most prestigious of prestige TV.Ī quick primer, for those not familiar with the 100-plus episodes that have appeared online to date, either via the Australian Broadcasting Corporation (ABC), where the show originated, or on BBC iPlayer and Disney+, where Bluey has lived in the UK, US and much of Europe since early 2020. ![]() Have adults been this eager to get their hands on something meant for children since the apex years of Harry Potter? Has there been this much fan excitement for a seven-minute piece of art since the 60s, and Hey Jude? Later this summer, when a third season of the Australian cartoon Bluey appears on streaming platforms in Europe and the US, parents and carers will usher their children in front of a convenient screen – and they’ll hang around to watch an episode (or two, or 10) themselves. ![]() ![]() ![]() The single-player mission maps can also be used for multi-player battles. ![]() The "Retro Pack" also includes 3 new hats, 3 new gravestones, a new landscape theme and 10 new Achievements. Worms Reloaded - Retro Pack The Worms™ Reloaded "Retro Pack" features 15 single-player missions that have been hand-picked from the classic Worms™: Armageddon game and re-worked exclusively for this downloadable content pack. The "Puzzle Pack" also includes 3 new hats, 3 new speech banks, 3 new gravestones, a new "puzzle" landscape theme and 12 new Achievements. Worms Reloaded - Puzzle Pack The Worms™ Reloaded "Puzzle Pack" features 20 mind-boggling single-player puzzle missions, designed to test even the most cunning ![]() The "Forts Pack" also includes 10 brand new forts for multi-player battles, 3 new hats, 3 new speech banks, 3 new gravestones, a new "Fort" landscape theme and 12 new Achievements. You want! Worms Reloaded - Forts Pack The Worms™ Reloaded "Forts Pack" features 20 addictive and challenging single-player levels, based upon a variety of fort-based mission objectives. Options, and includes thousands of possibilities for your team of worms, tons of game options and custom levels, so you can play the game how Types, ranging from easy to very hard and styles like vengeful, cocky and ‘Darksider’! The game is also packed with customization To top it all off, there is also a highly-involving single-player experience with tutorials, deathmatches, races, fort games and puzzles.Įnjoy the new High Definition full colour graphics engine, revised physics and pit your wits against the all-new A.I. New landscape editor, new play modes, hats, skins and speech banks. New weapons (and the return of some iconic weapons from the brand’s celebrated past), achievements (*note: Mac & Linux versions haveĪ reduced number of achievements), leaderboards, all new high-definition landscape themes, a range of brilliant forts for the new Fort mode, Worms™ Reloaded features up to four player online and offline multi-player, voice support, a raft of crazy ![]() ![]() If both fighters have their weapons at the same level, they’ll deflect each other’s attacks. This allows you to get the upper hand on an opponent. You can change the orientation of your weapon, holding it at head, chest or knee level. Of course, there’s a lot more nuance involved than that. The controls are simple – you can jump, strike with your weapon and execute more complex moves like sliding (while running, simply hit down), dive kicking (strike while in the air) and throwing your weapon (hold up and the attack button). If you don’t know the drill by now, Nidhogg 2 encourages you to customize your character with some potentially horrifying possibilities, pick up your starting weapon and fight to the death against an opponent across a side-scrolling environment. ![]() "The crazy thing is how Nidhogg 2, like the original, takes all of these fundamentals and provides such intense, fast-paced matches." ![]() Brutality and the psychedelic have never been married as lovingly and yet uncomfortably as they are in Nidhogg 2. Nidhogg 2 signals the return of that insanity but with a brand new highly-detailed visual style, even more mind-warping arenas and some new weapons to spice up the proceedings. It was fun learning the nuances of the combat system, attempting to one-up your opponent. Pixelated figures battled across trippy arenas, competing to see who would be fed to a giant wurm first. Messhof’s Nidhogg was as baffling as it was addictive when it released in 2014. ![]() ![]() ![]() Enjoy performances by Mariachi Anacatlan, Relampago del Cielo, Los Cuates, Xipe Totec and Joel Aceves.įREE for Bowers members age 62+ | General $7 Mexican Day of the Dead Sugar Skullsīowers Museum (John Lee Court) | October 27, 2022Ī very special arts engagement program for seniors. Bring a photo for our Ofrendas (memorial altar) honoring our loved ones and that special pet that left too soon. ![]() We celebrate the joy and happiness they brought into our lives with music, dance, art, and special foods. Observe Mexican Day of the Dead as we remember those friends and family members that are no longer with us. Honoring Those Who Came before Us with a Special Dia de los Muertos Service…A Bi-Lingual Remembrance Service featuring a Traditional Offertory and Special Entertainment by Trio Los Salazar Mariachi & Las Estrella’s Dancers from OCSAFree to Attend This amazing Live-to-Film Concert Experience will feature live orchestra and digital projection the shell of the historic venue.FREE Fairhaven Memorial Park and Mortuary | November 2, 2022 To celebrate Día de los Muertos, the beloved Oscar-winning Disney and Pixar Film is re-imagined at the legendary Hollywood Bowl. "Disney Pixar Coco - A Live-to-Film Concert Experience" at the Hollywood Bowl It is a time to remember loved ones and support their spiritual journey, and it is part of a larger tradition that sees death as a natural part of the cycle of life. Participants will create traditional Día de los Muertos crafts such as paper flowers, papel picado, or mask decorating, tying the art-making to ideas of remembrance and memory.īarnsdall Junior Arts Center Gallery presents: Día de los Muertos 2019Įxhibition displayed through November 9 from 10 a.m. Pay tribute to loved ones who have died at a festival with live entertainment, vendors, international foods, calaveras, art exhibits, altar displays, a children's art pavilion and a classic car show. Main Street Canoga Park 19th Annual Día de los Muertos Family Festival We celebrate our heritage and honor the stories of our ancestors. The heart of this Dia de los Muertos festival pays tribute to feminine strength through rich tradition. This Mesoamerican/Mexican celebration which was reintroduced to Mexican-Americans by Self Help Graphics in the 1970s at the Evergreen Cemetery! Proceeds benefit AltaMed's Women's Health Services & Diabetes Prevention Programs.Ģnd Annual Día de los Muertos Family FestivalĪll participants of the Ofrenda/Altar & Art Contest receive free admission to the Día de los Muertos Family Festival.Įvergreen Cemetery: Celebrating the Dead - Walking TourĬELEBRATING 46-YEARS OF DÍA DE LOS MUERTOS IN BOYLE HEIGHTS ![]() The event features a lifestyle fair with artisan merchandise, health screenings, healthy lifestyle products and services, and a panel discussion on the importance of women as civically engaged advocates. Los Angeles and Orange County visitors will experience a vibrant and historic downtown filled with a festive live entertainment lineup including energetic and globally-inspired performances! Enjoy performances from the Mariachi Divas, community entertainment and a religious service.Ĭome join our Día de los Muertos in Cypress! This free event features face painting, arts & crafts and live Mariachi music!Ĭome join our Día de los Muertos in Glendale, featuring a screening of Disney Pixar Coco! LA Plaza de Cultura y Artes explores the historical and cultural significance of Day of the Dead traditions, co-sponsored by AARP California and Common Sense Latino.Ĭome join our Día de los Muertos in Covina Hills! This event is free to the public including free parking. Nos vemos en la Carrera de los Muertos!ġ0th Annual Dia De Los Muertos Family Festival in the Downtown El Monte Historic District featuring children's raffle, Selena tribute band, and more.Ĭourage Forward and Rotary of Downey Present Fiesta de las Calaveras. Join family and friends to remember loved ones who have passed in this rich cultural tradition. Awards and FestivalĬarrera de los Muertos is a vibrant 5k run that honors Day of the Dead. Taken together, the altars and art pieces paint a picture of topics and people that are highly relevant to Los Angeles' diverse communities. ABC7 will be supporting as part of our partnership with Self Help Graphics.Īt Grand Park, the holiday is celebrated as an extended free festivity with a large scale nine-day art installation that begins with Noche de Ofrenda or Night of the Offerings (or Altars). The ceremony will also include crafting your own altar and dancers representing Aztecan, Oaxacan and Michoacán traditions as well as performances by Los Angeles-based poets and musicians, including Latin music artist CAVA from East Los Angeles. A traditional Noche de Ofrenda ceremony honoring the dead and featuring a communal circle and blessing led by the indigenous community. ![]() ![]() ![]() ![]() Prompt #2 very complex hyper-maximalist overdetailed cinematic tribal fantasy closeup macro portrait of a heavenly beautiful young royal dragon queen with long platinum blonde windblown hair and dragon scale wings, Magic the gathering, pale wet skin and dark eyes and red lipstick ,flirting smiling passion seductive, vibrant high contrast, by andrei riabovitchev, tomasz alen kopera,moleksandra shchaslyva, peter mohrbacher, Omnious intricate, octane, moebius, arney freytag, Fashion photo shoot, glamorous pose, trending on ArtStation, dramatic lighting, ice, fire and smoke, orthodox symbolism Diesel punk, mist, ambient occlusion, volumetric lighting, Lord of the rings, BioShock, glamorous, emotional, tattoos,shot in the photo studio, professional studio lighting, backlit, rim lighting, Deviant-art, hyper detailed illustration, 8k Prompt #1 full length photo of christina hendricks as an amazon warrior, highly detailed, 4 k, hdr, smooth, sharp focus, high resolution, award – winning photo Subscribe to our Ai & Metaverse Newsletter □ Prompt # 10 portrait photo of a old man crying, Tattles, sitting on bed, guages in ears, looking away, serious eyes, 50mm portrait photography, hard rim lighting photography–beta –ar 2:3 –beta –upbeta Prompt # 9 gorgeous young Swiss girl sitting by window with headphones on, wearing white bra with translucent shirt over, soft lips, beach blonde hair, octane render, unreal engine, photograph, realistic skin texture, photorealistic, hyper realism, highly detailed, 85mm portrait photography, award winning, hard rim lighting photography–beta –ar 9:16 –s 5000 –testp –upbeta –upbeta –upbeta Prompt # 8 medium shot side profile portrait photo of the Takeshi Kaneshiro warrior chief, tribal panther make up, blue on red, looking away, serious eyes, 50mm portrait, photography, hard rim lighting photography –ar 2:3 –beta –upbeta Prompt # 7 a vibrant professional studio portrait photography of a young, pale, goth, attractive, friendly, casual, delightful, intricate, gorgeous, female, piercing green eyes, wears a gold ankh necklace, femme fatale, nouveau, curated collection, annie leibovitz, nikon, award winning, breathtaking, groundbreaking, superb, outstanding, lensculture portrait awards, photoshopped, dramatic lighting, 8 k, hi res –testp –ar 3:4 –upbeta Prompt # 6 portrait photo headshot by mucha, sharp focus, elegant, render, octane, detailed, award winning photography, masterpiece, rim lit Prompt # 5 ultrarealistic, (native american old woman ) portrait, cinematic lighting, award winning photo, no color, 80mm lense –beta –upbeta –upbeta ![]() Prompt # 4 priest, blue robes, 68 year old man, national geographic, portrait, photo, photography –s 625 –q 2 –iw 3 Prompt # 3 portrait photo of a african old warrior chief, tribal panther make up, gold on white, side profile, looking away, serious eyes, 50mm portrait photography, hard rim lighting photography–beta –ar 2:3 –beta Prompt #2 Prompt: Keanu Reeves portrait photo of a asia old warrior chief, tribal panther make up, blue on red, side profile, looking away, serious eyes, 50mm portrait photography, hard rim lighting photography–beta –ar 2:3 –beta –upbeta –beta –upbeta –beta –upbeta Prompt #1 Prompt: portrait photo of a asia old warrior chief, tribal panther make up, blue on red, side profile, looking away, serious eyes, 50mm portrait photography, hard rim lighting photography–beta –ar 2:3 –beta –upbeta –upbeta ![]() These videos are designed to provide you with practical tips and tricks on how to leverage AI technologies to make money online. AI photo editors can help amateur photographers achieve professional-looking results.ĥ. Check out AI logo creators enable designers to create aesthetically pleasing logos with a fraction of the effort and time it would usually take.Ĥ. Utilizing the combination of AI voice generators and AI SEO tools, businesses can unlock an unprecedented potential for online success.ģ. With the help of AI generators, businesses can generate effective results from their AI marketing strategies.Ģ. ![]() ![]() ![]() When her mother was diagnosed with congestive heart failure 10 years ago, Whaley became actively involved in her mother’s caregiving. The costs of caregivingĮarly retirement is once again a priority for Wyletter Whaley, 61, an attorney based in Dallas, Texas. It also helps to find an advisor who understands women’s different life journeys-“someone who really gets how things like the wage gap and career breaks can impact your progress toward your goals and who can suggest ways to compensate for those challenges,” she suggests. And develop a smart strategy for maximizing your income when you claim Social Security,” recommends Sabbia. “Familiarize yourself with resources, such as 401(k)s and health savings accounts, that can offer tax advantages as you work toward building a more secure future. But there are other ways to compensate for the financial impact of taking a time-out for family. Of course, becoming an entrepreneur isn’t an option for everyone. Not every mother chooses to take a full break-some decide to start their own full-time or part-time at-home businesses. It can unlock doors for us to achieve all of our aspirations, as professionals, as entrepreneurs, as policy influencers, as single women, as mothers, as partners and spouses.”įor many women, becoming a mother can trigger the need to hit the pause button on their careers. “Financial independence is a goal worth pursuing. With all the change happening in our world, taking control of your financial future starts with a conversation,” she adds. “So can working with an advisor who understands women’s different financial journeys and can help you create a portfolio that has the potential to last your lifetime. “Something as simple as making sure we take advantage of critical wealth escalators like company matches in our 401(k)s, in the same way that men do, can help us become more financially secure. Invest early and make your money work for you,” Lindsay Hans, president and co-head of Merrill Wealth Management. Over the long haul, conservative investments tend to have lower growth potential. When you earn less, you have less to save-and the natural inclination is to guard it by choosing investments that are more conservative. Career interruptions also can cause women to lose out on potential raises and reduce how much they’ll collect from Social Security. “That has huge implications when it comes to your ability to save.” Boning up on negotiating skills can help turn the tables.Ĭomplicating matters, the career breaks many women take to care for family give them fewer years to fund a retirement plan. 1 “Very few women push back on salary offers compared to men,” Sabbia says. ![]() In 2020, women earned 82.3% of what men earned, according to the U.S. For starters, the pay gap remains a stubborn stumbling block. Time crunch aside, all too often the financial deck is stacked against women of all ages. He has regularly offered advice on everything from setting up loan financing to talking through the various choices she might have as she phases into retirement and can focus on giving back as a volunteer to various animal charities close to her heart. That new advisor, Merrill Wealth Management Advisor Mitch McLendon, has been a valuable sounding board for Warren’s business decisions as well as her more personal long-term goals. ![]() Working with a new financial advisor, she shifted her investments into a range of low-fee options, and she’s now much more comfortable with her returns. I would have done as well if I had just put cash under my mattress.” It turns out Warren had been paying almost as much in fees as she’d been making on her investments.Ī cross-country move from Arizona to Florida provided her with a fresh start. ![]() Warren saw that she needed to pay closer attention to her finances when, after a number of years of investing, she realized, “I wasn’t really making money. Our saving and investing are impacted by these things, which makes it all the more important for us to take control of our finances early on.” “There’s a huge wealth gap between men and women, caused by such things as the pay gap and the fact that women tend to spend more time out of the workforce caring for family. Women can’t afford to ignore these issues, says Lorna Sabbia, head of Retirement & Personal Wealth Solutions at Bank of America. Thinking about investing, saving for retirement and other financial goals often gets lost in the shuffle. There’s a lot to juggle between work, caring for kids and relatives, and managing the household budget, among other demands. Warren is describing one of the biggest hurdles many women face when it comes to money. ![]() |
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