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Blog Posts (61)

  • 6 Budgeting Strategies for Couples With Uneven Retirement Savings

    Navigating the financial disparity in retirement savings between spouses can be a delicate endeavor. To offer guidance, I’ve gathered insights from founders and a trends analyst, covering strategies from hosting a “Dreams & Goals” discussion to establishing a “Future-Focused” budgeting plan. Here are six creative budgeting strategies and emotional communication tactics couples can use to tackle this challenge and secure their future together. Budgeting Strategies for Couples to Plan for Retirement Host a “Dreams & Goals” Discussion Find a Balanced Saving Approach Adopt a “Two-Pot” Retirement Strategy Create a “Retirement Catch-Up Plan” Utilize Real Estate for Retirement Funding Establish a “Future-Focused” Budgeting Plan Host a “Dreams & Goals” Discussion One suggestion for couples facing this challenge is to have a “Dreams & Goals” conversation. Set aside time for an open and nonjudgmental discussion about each other’s dreams for retirement, any current financial fears, and the goals you both wish to achieve together. By framing this conversation around your shared dreams rather than the immediate financial stress, both partners can fully understand each other’s perspectives and priorities. This approach leads to a deeper emotional connection and a stronger commitment to face this financial challenge together. Bayu Prihandito, Founder, Psychology Consultant, Life Coach for Men, Life Architekture Related: See my feature in 5 Steps Women Should Take in Their 20s, 30s, 40s and 50s to Be Set for Retirement Find a Balanced Saving Approach My spouse is more of a spender than a saver, whereas I am the extreme opposite. I am keen to achieve financial independence and retire early, whereas my spouse enjoys work and would be happy to keep working. When we first got together over 20 years ago, our different attitudes toward money caused quite a lot of friction. Over the years, I have realized that enjoying life now is as important as saving for a comfortable retirement and that balancing our different attitudes to life and finances is the best approach. We have agreed on a middle ground; we both save money to allow us to retire early, but we set aside a budget each month to enjoy going out for meals, holidays, etc. The simple answer is that we sat down and talked about it several times until we came up with a plan and approach we were both comfortable with. I realized/accepted that my spouse’s attitude toward money was just as valid as mine and that we needed to live for the present and plan for the future. Jonathan Wright, Founder, Aiming For FIRE Related: See my feature in Securing Your Future: A Step-by-Step Retirement Planning Guide Adopt a “Two-Pot” Retirement Strategy A creative and viable budgeting approach for couples facing a retirement savings imbalance is the “two-pot” strategy. The “two-pot” strategy involves establishing two separate retirement accounts: one for the spouse who has already been saving and a dedicated “catch-up” account for the spouse starting late. A portion of the household’s disposable income is then automatically allocated to fund the catch-up account monthly, treating it as a non-negotiable expense. Contribution levels can be periodically reviewed and adjusted based on progress toward joint retirement goals. The two distinct pots allow the couple to simultaneously maintain the existing nest egg while aggressively building up the other’s savings through focused, forced contributions. This tangible, partitioned approach provides clarity, prioritizes the pressing need, and can be scaled over time, making it a disciplined yet flexible way for couples to get on track together for a secure retirement. Brian Meiggs, Founder, My Millennial Guide Create a “Retirement Catch-Up Plan” One approach could be implementing a “Retirement Catch-Up Plan.” This plan involves the party that is lagging agreeing to cut back on non-essentials a little and redirecting those funds toward retirement. If spending less isn’t an option, the shortfall might be made up by agreeing to redirect a future windfall (like bonuses, tax refunds, or inheritances) directly into their retirement account. Along with practical strategies, you’ve got to consider the emotional side. There has to be space for both partners to voice fears and frustrations about your retirement saving strategy. Your goals have to be “shared goals” if they’re going to stick without causing resentment. As you level the playing field, celebrate your progress to keep motivation high and remind each other why you’re doing this. Clay Cary, Trends Analyst, Coupon Follow Related: See my feature in Retirement Savings: 5 Steps To Take Now If You Want a Comfortable Retirement Utilize Real Estate for Retirement Funding One exciting strategy involves leveraging real estate, specifically through a transaction between spouses that could offer tax advantages and contribute to retirement savings. The spouse with more financial resources could “sell” the family home to the other spouse. This arrangement could potentially unlock equity from the property, providing funds that can be directed into the less financially prepared spouse’s retirement accounts (e.g., an IRA, 401(k), or an index fund). Additionally, this works even better for investment properties due to tax benefits. When selling an investment property, the depreciation starts over, and the tax income from that rental property can be deducted, which can be leveraged for further savings. Abby Shemesh, Chief Acquisitions Officer, Amerinote Xchange Establish a “Future-Focused” Budgeting Plan Facing a retirement savings imbalance in marriage requires creative budgeting and effective communication. One strategy is implementing a “future-focused” budgeting plan, which involves allocating a portion of the household income into a joint retirement savings account. Having a “future-focused” budgeting plan not only addresses the financial disparity but also fosters a sense of shared responsibility toward future goals. Emotionally, it’s crucial to approach conversations with empathy, focusing on solutions rather than attributing blame. Regular “financial health” meetings can create a safe space for open dialogue, allowing both partners to express their fears and aspirations and set realistic financial goals collaboratively. This dual approach mitigates the financial strain and strengthens the marital bond by building a foundation of trust, mutual support, and shared objectives for a secure future together. Mike Schafer, Louisville Personal Injury Lawyer, The Schafer Law Office Related: See my feature in Why Is It Normal For You To Worry About Retirement Before You Retire? What’s Next? If you’re feeling overwhelmed by the financial challenges of retirement planning, you’re not alone. By using these creative budgeting and emotional communication tactics when planning your retirement, you can begin to bridge the retirement savings gap with your significant other, but implementing the strategies may require professional guidance. Contacting a financial professional can help you gain valuable insights, receive expert recommendations, and develop a clear roadmap for your retirement savings journey. Don’t let financial uncertainty prevent you from enjoying a secure and fulfilling retirement.

  • Movies That Teach Kids About Money

    Are you searching for an entertaining and interesting way to introduce your children to the concept of money? Look no further than your preferred streaming service! There are a plethora of movies available that can initiate conversations about the significance of saving, spending, and working hard. As an Amazon Associate, I earn from qualifying purchases. Movies That Teach Kids About Money For Younger Viewers (Ages 5-9) For Older Kids (Ages 10-12) For Tweens and Teens (Ages 12-17) Tips for Using Movies to Teach Kids About Money For Younger Viewers (Ages 5-9): Disney's Robin Hood: The central theme of Robin Hood revolves around wealth redistribution. Prince John's excessive taxation leaves the people of Nottingham struggling. In this thrilling adventure, Robin Hood disrupts this system by stealing from the rich (represented by Prince John) and giving back to the poor townspeople. This movie directly addresses issues of income inequality and the burden of taxes. The Muppet Christmas Carol: Scrooge McDuck's obsession with wealth offers a cautionary tale about the dangers of greed and the importance of generosity. Scrooge's obsession with wealth blinds him to the joy and fulfillment that come from simple things like spending time with loved ones. Scrooge finds through his adventures the importance of finding happiness beyond material possessions. Treasure Planet: Captain Flint: Captain Flint embodies the dangers of greed. His obsession with treasure ultimately leads to his downfall. The events that befall Captain Flint can be a cautionary tale for kids, highlighting the importance of setting realistic goals and avoiding the allure of quick riches. Jim Hawkins: Jim starts out poor and dreams of wealth. Throughout the film, he grapples with the temptation to keep some of the treasure for himself. This struggle presents an opportunity to discuss the difference between needs and wants and the value of honesty over instant gratification. A Little Princess: Sara Crewe starts as a wealthy heiress, showered with expensive clothes and luxuries. Her father's sudden death throws her into poverty, forcing her to adapt to a harsh new reality. Sara's adventure takes place in a boarding school, as she manages her limited resources and learns the importance of budgeting and resourcefulness. The Mitchells vs. the Machines: At its core, The Mitchells vs. the Machines is a story about family bonding. While the Mitchells aren't wealthy, their love and support for each other is ultimately their greatest treasure. Children can learn the importance of building strong relationships that go beyond material wealth. For Older Kids (Ages 10-12): The Secret Millionaire Club: Based on a true story, this heartwarming film follows a group of kids who start an investment club and learn valuable lessons about teamwork, research, and the importance of a long-term perspective. Overall, The Secret Millionaire Club uses humor, adventure, and relatable characters to make financial literacy fun and accessible for children. Charlie and the Chocolate Factory: Willy Wonka's fantastical factory isn't just about chocolate! Even when faced with temptation, Charlie Bucket's honesty and respect offer a valuable lesson about integrity being more important than material possessions. Poverty vs. Wealth The Bucket Family: Charlie's family represents poverty. They barely have enough money for basic necessities, and chocolate is a rare treat. In the movie, you can see this from their leaky house and the cabbage soup they eat, which highlights their struggle. Children will realize the struggle many families face to make ends meet. Willy Wonka: He embodies immense wealth. His extravagant factory and fantastical creations showcase the vast difference between their realities. The factory itself becomes a symbol of the vast gulf between Charlie's world and Wonka's. The factory is a mysterious and closed-off place, highlighting the distance between the wealthy and the poor. Charlie can only dream of the wonders inside until he finds the Golden Ticket. A Kid Called Danger: The movie centers around a young boy, Ethan, who dreams of becoming a detective like his father. He uses his initiative and resourcefulness to start a lemonade stand. Ethan uses the money earned from his lemonade stand to buy supplies for his detective work (e.g., a magnifying glass and a walkie-talkie). The film provides an opportunity to discuss basic money management concepts like spending versus saving and allocating resources for future goals. The Karate Kid: While not directly about money, The Karate Kid can teach valuable financial lessons when viewed through that lens. The main character, Daniel, learns valuable life lessons from Mr. Miyagi, his karate teacher, including the importance of delayed gratification and working hard to achieve your goals. In the movie, Daniel learns karate not through instant results but through consistent effort and discipline under Mr. Miyagi's guidance. The chores Mr. Miyagi gives Daniel, like sanding and waxing cars, can be seen as teaching valuable skills and delayed gratification. Daniel might not see the immediate benefit, but these chores build a work ethic and a sense of accomplishment, transferable to managing finances responsibly. For Tweens and Teens (Ages 12-17): The Blind Side: This inspiring true story delves into the challenges faced by Michael Oher, a homeless teenager, as he enters the world of college football. The film portrays Michael's journey of learning to manage his newfound wealth responsibly. He receives financial guidance from the Tuohys, his adoptive family, who help him understand the value of money and the importance of making sound financial decisions. The movie is a valuable lesson for teenagers who might soon be handling their own money (e.g., part-time jobs, scholarships, and student loans). The Social Network: This dramatization of Facebook's founding offers a glimpse into the world of startups and venture capitalism. The movie showcases the world of venture capital funding, where startups pitch their ideas to investors in exchange for money and guidance. The film doesn't shy away from showing the negative consequences Zuckerberg faces as Facebook explodes in popularity. This movie can be a conversation starter on entrepreneurship, the risks and rewards of investing, and the ethical considerations involved in building a business. The Perks of Being a Wallflower: Although The Perks of Being a Wallflower doesn't directly address personal finance or budgeting, it subtly explores the pressure teenagers face to keep up with trends. The characters navigate high school social circles where trends and appearances can be important. The movie emphasizes the value of inner worth and self-acceptance over external validation through material possessions. While the main characters appear privileged, the film hints at the underlying financial burdens some families might face. This movie can open discussions about the reality that not everyone has the same financial resources. Tips for Using Movies to Teach Kids About Money: Watch Together: Make it a family movie night! Discuss the characters' financial decisions throughout the film. Ask Questions: Encourage critical thinking. Ask questions like: What could they have done differently? How would you handle that situation? What did the characters learn about money? How can we apply these lessons in our own lives? What are some of your financial goals? Connect to Real Life: Relate the movie's lessons to your own family's finances. Discuss your budget, saving goals, and responsible spending habits. Movies can be a fantastic way to inspire your kids to learn about financial literacy. With a fun film and some popcorn, you can spark engaging conversations about money matters that will help your children grow into financially responsible adults.

  • Children's Books About Money: The 'Mommy, Can You Teach Me?' Series

    Raising financially savvy kids starts young, and what better way to ignite their curiosity than with engaging stories? The "Mommy, Can You Teach Me?" series by author Annette Harris tackles money matters head-on, transforming complex concepts into relatable adventures for young readers. Let's explore a delightful series of children's books about money that empowers children to become money masters. As an Amazon Associate, this post may contain affiliate links. Sparking Financial Literacy with "Mommy, Can You Teach Me?" - A Review for Parents Mommy, Can You Teach Me About Money? Mommy, Can You Teach Me How to Budget? Mommy, Can You Teach Me How to Save Mom, Can You Teach Me How to Invest? Building the Money Mindset: The series features Destiny and Trey, a curious duo eager to understand the world of money. Through everyday situations and conversations with their mom, Destiny and Trey learn vital financial concepts like earning, saving, budgeting, responsible spending, and investing. Each book focuses on a specific theme, making financial literacy digestible and engaging. Exploring the Children's Books About Money: 1. Mommy, Can You Teach Me About Money? The first book in the series serves as an introduction to the concept of money. The story follows Destiny, who learns about coins and bills, how her mother earns money, and the enjoyable things they can do with it. In addition, Destiny discovers the different ways she can earn money, empowering her to begin saving and managing her own money. The book also has activities in the back to keep children learning long after the story ends. 2. Mommy, Can You Teach Me How to Budget? Trey joins Destiny in this book, and together they tackle budgeting. They learn about income, expenses, needs versus wants, and creating plans to reach their financial goals. Fun activities and relatable examples make budgeting feel like an achievable adventure. In addition to budgeting basics, Trey and Destiny discover the importance of financial responsibility and how it can lead to a more secure and fulfilling future. By the end of the book, readers will learn how to build a budget and change their habits to help them achieve their goals. Whether you are just starting out on your financial journey or looking to improve your existing skills, Trey and Destiny's journey is inspiring, and the book is a valuable resource you will want your kids to take advantage of. 3. Mommy, Can You Teach Me How to Save? Destiny embarks on an exhilarating journey toward financial freedom as she learns the incredible power of delayed gratification and goal setting. Through the story, Destiny is introduced to the concept of piggy banks and savings accounts and discovers the enchanting magic of watching her money grow. The journey is full of wonder and excitement as Destiny understands that every penny saved is a step closer to achieving the goals she creates on her very own vision board! 4. Mom, Can You Teach Me How to Invest? "Mom, Can You Teach Me How to Invest?" is an inspiring and engaging book every parent should read. Designed for teenagers and young adults, this book is a perfect guide for parents who want to teach their kids about investing and help them secure their financial future. The book continues to follow Destiny and Trey, two teenagers curious about investing and seeking guidance from their financially knowledgeable mother. Along the way, they learn about the basics of investing in mutual funds, exchange-traded funds, and stocks through relatable examples that make investing interesting and engaging. The book also includes interactive reflection questions to help teenagers identify their motivations for investing. If you want to help your kids learn about investing, "Mom, Can You Teach Me How to Invest?" is a must-read book that will guide you through the process. Why Your Child Will Love It: Relatable Characters: Destiny and Trey are two young teenagers who are constantly learning and growing, just like any child. They navigate through life, asking questions and seeking answers. Their journey inspires us to embrace our own curiosity and never stop seeking knowledge. Engaging Storytelling: The stories are warm, humorous, and age-appropriate, making learning about money fun and enjoyable. Colorful Illustrations: Vibrant illustrations bring the concepts to life and capture children's attention. Interactive Activities: Each book includes fun activities and discussion prompts, encouraging interaction and deeper understanding. Sparking Conversations: Beyond the stories, the books offer parents valuable tools for initiating financial conversations with their children. Each book concludes with discussion points and practical tips to reinforce the learning in real-life scenarios. Investing in Your Child's Future: The "Mommy, Can You Teach Me?" series by Annette Harris is a fantastic resource for parents who want to equip their children with the knowledge and confidence to make smart financial decisions in the future. By fostering a positive and open dialogue about money from a young age, you're setting your child on the path to financial success and well-being. So, grab a copy, cuddle up with your little one, and embark on a financial literacy adventure together!

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  • Mission & Values | Harris Financial Coaching

    Mission & Values To improve financial literacy, foster financial stability, and empower individuals. To educate and empower individuals to achieve financial stability that will allow them to reduce debt and build wealth through education and goal setting. At Harris Financial Coaching, we want to be the leading resource for financial education by fostering economic stability and sound financial decision-making. My Values I value family overall. I believe that family relationships should be honest, courageous, model patience, add value to the world, and focus on never giving up. I find fulfillment in sharing my talents and abilities with others. Through volunteer efforts and by providing knowledge on topics that may be vague is an overall goal that I strive for while working together. Making and keeping promises to one's self and others develops trustworthy and caring relationships. I am consistent with my actions and evaluate choices of greater value in relationship building or the greater good. Relationships are built on mutual respect for others' thoughts and feelings. I am committed to respecting the point of view of others and their belief systems. We all have different values that make us unique, and that should be celebrated. Find out more about Annette Rest assured that all conversations are strictly confidential and will not be disclosed to anyone. I will maintain the highest level of confidentiality in all our interactions.

  • Privacy Policy | Harris Finance Coach

    Privacy Policy Do Not Sell or Share My Personal Information LAST UPDATED: January 28, 2023. ​ Harris & Associates Financial Consulting, DBA, Harris Financial Coaching, and the Informed Finance Blog (collectively, the “Company,” “we,” or “us”) want you to be familiar with how we collect, use and disclose information. This Privacy Policy describes our practices in connection with information that we collect through: ​ Websites operated by us from which you are accessing this Privacy Policy (the “Websites”); Our social media pages and apps (collectively, our “Social Media Pages”); HTML-formatted email messages that we send to you that link to this Privacy Policy or other communications with you; and Offline business interactions you have with us. Collectively, we refer to the Websites, Social Media Pages, emails, and offline business interactions as the “Services.” ​ ​ ​By using our Services, you are accepting the practices described in our Privacy Policy, including our use of cookies and similar online tools If you do not agree to the terms of this Privacy Policy, please do not use our Services. We reserve the right to modify or amend the terms of our privacy policy from time to time without notice. Any changes to this Privacy Policy will become effective as of the “last updated” date set forth above. Your continued use of our Services following the posting of changes to these terms will mean you accept those changes. ​ If you are a resident of California, please see the Additional Information Regarding California Privacy Laws – Notice at Collection of Personal Information. ​ PERSONAL INFORMATION ​ “Personal Information” is information that identifies you as an individual or relates to an identifiable individual. 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These can include providers of services such as website hosting, data analysis, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, auditing, and other services. By using the Services, you may elect to disclose Personal Information. On profiles, posts, and other services to which you are able to post information and content (including, without limitation, our Social Media Pages). Please note that any information you post or disclose through these services, including by tagging us, will become public and may be available to and/or reposted by us, other users, and the general public. Through your social sharing activity. When you connect your Services account to your social media account or interact with social media buttons or widgets on our Services, you will share information with your friends associated with your social media account, with other users, and with your social media account provider. By doing so, you authorize us to facilitate this sharing of information, and you understand that the use of shared information will be governed by the social media provider’s privacy policy. We may also use and disclose Personal Information as we believe to be necessary or appropriate: (a) to comply with applicable law, to respond to requests from public and government authorities, to cooperate with law enforcement, to comply with subpoenas and court orders, and for other legal reasons; (b) to enforce our terms and conditions; and (c) to protect our rights, privacy, safety or property, and/or that of our subsidiaries, you, or others. ​ OTHER INFORMATION ​ “Other Information” is any information that does not reveal your specific identity or does not directly relate to an identifiable individual. The Services collect Other Information such as: ​ IP address (we may also derive your approximate location from your IP address) Unique device identifier Browser and device information Usage data for our Websites and Social Media Pages Information collected through cookies, pixel tags and other technologies Demographic information and other information provided by you that does not reveal your specific identity Information that has been aggregated in a manner such that it no longer reveals your specific identity ​ Collection of Other Information ​ We and our service providers may collect Other Information in a variety of ways, including: ​ Your browser or device. 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If you enable location services on your device, we may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. You may opt out of such sharing of your device’s location through your device’s privacy settings, but if you do, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content. ​ Uses and Disclosures of Other Information ​ We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, we may use and disclose it for the purposes for which we use and disclose Personal Information as detailed in this Policy. In some instances, we may combine Other Information with Personal Information. If we do, we will treat the combined information as Personal Information as long as it is combined. ​ SECURITY ​ We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “Contacting Us” section below. ​ CHOICES AND ACCESS ​ Your choices regarding our use and disclosure of your Personal Information ​ We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt out from receiving marketing-related emails from us on a going-forward basis by clicking on the “Unsubscribe” link in the footer of our emails and following the instructions. ​ We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt out of receiving marketing related emails from us, we may still send you important administrative messages, from which you cannot opt out. ​ How you can access, correct or delete your Personal Information ​ If you are a California resident, please refer to the “Additional Information Regarding California” section at the end of this Policy for more information about the requests you may make under California laws. ​ THIRD PARTY SERVICES ​ This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any website or service to which the Services link or embed. Embedded content from third parties may automatically collect information from you when you visit our pages with such content, and any and all information collected by such third parties are subject to their own privacy policies. The inclusion of a link on the Services does not imply endorsement of the linked site or service by us or by our subsidiaries. ​ In addition, we are not responsible for the information collection, use, disclosure, or security policies or practices of other organizations, such as Facebook (including Instagram), Apple, Google (including YouTube), Twitter, Spotify, or any other app developer, app provider, social media platform provider, or operating system provider, including with respect to any Personal Information you disclose to other organizations through or in connection with our Social Media Pages. ​ THIRD PARTY ADVERTISING ​ We use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use the Services and other websites or online services. ​ You may receive advertisements based on information relating to your access to and use of the Services and other websites or online services on any of your devices, as well as on information received from third parties. These companies place or recognize a unique cookie or other tracking technology on your browser (including through the use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn how to opt out of it in desktop and mobile browsers on the particular device that you are using, please visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool . For information about personalized ads through Google Ads, and to learn how to turn off such ads, please visit Google Ads Help . ​ THIRD PARTY PAYMENT SERVICE ​ We may use a third party payment service to process payments made through the Services. If you wish to make a payment through the Services through a third party payment processor, your payment card information may be collected by such third party and not by us, and will be subject to the third party’s privacy policy, rather than this Privacy Policy. We have no control over, and are not responsible for, this third party’s collection, use, and disclosure of your Personal Information. ​ UPDATES TO THIS PRIVACY POLICY ​ The “Last Updated” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy on the Services. Depending on the nature of the change, we may contact you by email to inform you of the change or to request your consent to the change. ​ CONTACTING US ​ If you have any questions about this Privacy Policy, please contact us at or by email at . Because email communications are not always secure, please do not include credit card or other sensitive information in your emails to us. ​ ADDITIONAL INFORMATION REGARDING CALIFORNIA PRIVACY LAWS - Notice At Collection of Personal Information ​ This notice and the options that follow apply only to residents of California. ​ This section applies only to California residents. In accordance with the California Privacy Rights Act (the “CPRA”), it describes how we collect, use and share personal information of California residents in operating our business, and their rights with respect to that personal information. In the event of a conflict between this section of our Privacy Policy and the rest of our Privacy Policy, this section will take priority for residents of California. ​ Collection of Personal Information ​ We plan to collect, and have collected within the preceding 12 months, the following categories of Personal Information: “Identifiers,” such as name, contact information, online identifiers, and IP address that can reasonably be linked or associated with a particular consumer or household; “Customer Records Information,” or “personal information” as defined in the California consumer records law, such as signature, payment card number, education information, and employment information; “Protected Class Information,” or characteristics of protected classifications under California or federal law, such as sex, gender, age, and race; “Transaction Information,” such as transaction information and purchase history, including purchases considered; “Online Use Information,” or internet and network activity information, such as browsing history and interactions with our website; “Geolocation Data,” such as device location and approximate location derived from IP address; “Audio/Video Data,” or audio, electronic, visual, and similar information, such as call, video, audio/visual, and screen recordings; “Employment Information,” or professional or employment-related information, such as employment status; and “Inferences,” or inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences, and characteristics. “Sensitive Personal Information,” meaning: account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to the financial account; geolocation information accurate within a radius of 1850 feet or less; racial or ethnic origin, religious or philosophical beliefs, citizenship, immigration status, or union membership; the contents of mail, email, and text messages unless we are the intended recipient of the communication; genetic data; Personal Information collected and analyzed concerning an individual’s health, information on medical history, mental or physical health conditions, or medical treatment or diagnosis by a health care professional; Biometric information used for the purpose of uniquely identifying an individual; and Personal Information collected and analyzed concerning an individual’s sex life or sexual orientation. ​ Sources of Personal Information ​ We collect this Personal Information from you and from other categories of sources described in the “From Other Sources” section of our Privacy Policy. ​ Purposes for the Collection, Use, Sharing or Other Disclosure of Personal Information ​ As described above, we may use this Personal Information to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including, for example, to: develop and improve our products and services; personalize, advertise, and market our products and services; conduct research, analytics, and data analysis; maintain our facilities and infrastructure; undertake quality and safety assurance measures; conduct risk and security control and monitoring; detect and prevent fraud; perform identity verification; perform accounting, audit, and other internal functions, such as internal investigations; comply with law, legal process, and internal policies; maintain records; and exercise and defend legal claims. ​ Use of Sensitive Personal Information ​ Unless we request it, we ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., social security numbers, religion or other beliefs, health, biometrics or genetic characteristics, or criminal background) on or through the Services or otherwise to us. ​ Disclosure of Personal Information ​ We disclose Personal Information to the following categories of third parties: ​ “Subsidiaries,” for the purposes described in this Privacy Policy. “Service Providers,” such as our trusted third-party service providers, to facilitate services they provide to us, such as internet services, website hosting, survey administration, data analytics, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, marketing, events, auditing, and other services. “Ad Networks,” such as third-party ad networks and online advertising partners to permit them to show you marketing communications. “Social Networks,” when you view or interact with social network platforms or embedded content from social network platforms, who may use the data we share in accordance with their own privacy policies. “Legal Authorities,” such as public and government authorities, including courts, regulators and law enforcement, to respond to requests, as well as to protect and defend legal rights. “Other Parties in Litigation,” such as when we share information in the context of litigation discovery and in response to subpoenas and court orders. ​ The following chart details which categories of Personal Information we disclose to third parties, and the categories of such third parties, for our operational business purposes, including within the 12 months preceding the date this Privacy Policy was last updated. The chart also details the categories of Personal Information that we “share” with third parties for purposes of cross-context behavioral or targeted advertising, and the categories of such third parties, including within the 12 months preceding the date this Privacy Policy was last updated. ​ ​ ​ Other than as set forth in this Privacy Policy, we do not sell or share for cross context behavioral advertising Personal Information as defined under applicable law. We have not engaged in such activities in the 12 months preceding the date this Privacy Policy was last updated. We do not knowingly “sell” the Personal Information of minors under 16 years of age. ​ Retention Period ​ We retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include: ​ The length of time we have an ongoing relationship with you and provide services to you (for example, for as long as you have an account with us or keep using our services) and the length of time thereafter during which we may have a legitimate need to reference your Personal Information to address issues that may arise; Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); or Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations). ​ Your Privacy Rights and How to Exercise Them ​ As a California resident, you have certain rights related to your personal information, which are detailed below. We encourage you to invoke these rights if you wish to. Rest assured that we will not discriminate or retaliate against you for doing so. ​ Access This Privacy Policy describes the categories of Personal Information we may collect about you, and how that information is collected, used, and disclosed. We will also provide you with the specific pieces of Personal Information we hold about you, upon your request. Correction If you believe that any of the Personal Information we hold about you is inaccurate you may request that we correct it. You can update some information, like your contact details, yourself by visiting your account page. For other corrections, please contact us as described below. Deletion You may request that we delete the Personal Information we hold about you. Please note that we may need to retain limited amounts of Personal Information after completing your request for legal compliance purposes. Additionally, we may postpone completion of your request when your Personal Information is necessary to fulfill our obligations to you. Opt out of “Sharing” You have the right to opt out of the “sharing” of your personal information. “Sharing” under the CPRA means our disclosure of your personal information to a third party in order to serve you interest-based targeted advertising. It does not encompass disclosing your personal information to a third party for other purposes. We do not sell your personal information in the conventional sense (i.e., for money), but may disclose certain details to our business partners and underwriters, or to vendors that enable us to serve you Limiting Use of “Sensitive Personal Information” You may request to limit the use or disclosure of your Sensitive Personal Information to what is necessary for us to perform our services and provide goods as requested, as authorized by regulations, or as otherwise permitted under the CPRA. ​ To make a privacy request, please visit us at this link or contact us at . We will verify and respond to your request consistent with applicable law, taking into account the type and sensitivity of the Personal Information subject to the request. In some instances, we may decline to honor your request where the law or right you are invoking does not apply or where an exception applies. In some cases, our Privacy Policy might answer your questions in a way that is accurate for you personally. In that case we might send you a copy of our Privacy Policy to answer your questions. We may need to request additional Personal Information from you, such as name, email address, and billing/shipping address, in order to verify your identity and protect against fraudulent requests. If you maintain a password-protected account with us, we may verify your identity through our existing authentication practices for your account and require you to re-authenticate yourself before disclosing or deleting your Personal Information. ​ If you make a request to delete, we may ask you to confirm your request before we delete your Personal Information, and we might retain a back-up of your Personal Information to the extent allowed by applicable law, for example as necessary to preserve the integrity or security of our systems or for other purposes that are aligned with our general consumers’ expectations. ​ You may make a request on behalf of a child who is under 13 years old if you are the child’s parent or legal guardian. ​ To request to opt out of any future sharing of your Personal Information for purposes of cross-context behavioral advertising, visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool. ​ Please note that your opt-out only applies to the browser you use to submit your opt-out, so if you use multiple browsers or devices, you must opt-out on each browser, on each device. Your opt-out is enabled using cookies so once you opt-out, if you delete your browser’s saved cookies on a device, you will need to opt-out again on that browser on that device. ​ Authorized Agents ​ If you are a California consumer and an agent makes a request on your behalf, we may require: Proof of the agent’s registration with the California Secretary of State to conduct business in California. A power of attorney provided to the agent by you pursuant to California Probate Code sections 4121 4130. If you have not provided a power of attorney according to item (2) above: We may require proof that you have provided signed permission authorizing the agent to make a request on your behalf. “Signed” means that the permission has either been physically signed or provided electronically in accordance with the Uniform Electronic Transactions Act, Civil Code 1633.7 et seq. We may require you to: Verify the your own identity directly with us; or Directly confirm with us that you provided your permission to submit the request. ​ If an agent wants to make a request to opt-out of the sale or sharing of your Personal Information on your behalf, we may only ask for the documentation specified in items (1) and (3.a) above. ​ Right to Non-Discrimination ​ You have the right to be free from unlawful discriminatory treatment for exercising your rights under the CCPA. ​ Contact Us ​ If you have questions or concerns about our privacy policies and practices, besides your right to know or right to delete, which are explained above, you may contact us using the information in the “Contacting Us” section above. ​ Last Updated ​ This Privacy Policy was last updated on the “LAST UPDATED” date set forth at the top of this policy. Califori Privacy Policy

  • Resume Writing | Harris Financial Coaching

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