Category Archives: consulting

Life Insurance Awareness Month- Why You May Need It?

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Life insurance is a crucial financial tool that provides invaluable protection and peace of mind for you and your loved ones. Firstly, one of the primary reasons to consider life insurance is to ensure the financial security of your family and dependents in case of your untimely demise. When you have life insurance coverage, your beneficiaries receive a tax-free payout, often referred to as the death benefit, which can help cover essential expenses like mortgage payments, education costs, daily living expenses, and outstanding debts. This financial support ensures that your loved ones can maintain their quality of life and avoid financial hardship during an already emotionally challenging time.

Secondly, life insurance can play a pivotal role in estate planning and wealth preservation. If you have significant assets, such as a home, investments, or a business, life insurance can help cover estate taxes and other associated costs. By doing so, it ensures that your heirs receive the full value of your estate without being burdened by hefty tax liabilities. This strategy can safeguard your legacy and ensure that your hard-earned assets benefit the people and causes you care about most.

Lastly, life insurance can serve as a powerful tool for long-term financial planning and achieving various financial goals. Some policies, like whole life or universal life insurance, offer cash value accumulation over time, which can be borrowed against or withdrawn for various purposes, such as funding your retirement, paying for your child’s education, or handling unexpected financial emergencies. By including life insurance in your financial portfolio, you not only protect your family’s future but also create opportunities for building wealth and achieving your financial aspirations.

In summary, life insurance is a critical component of a comprehensive financial plan. It safeguards your family’s financial well-being, aids in estate planning, and offers opportunities for long-term financial growth. Whether you’re a young professional starting a family or a seasoned investor looking to preserve your wealth, life insurance is a prudent investment that provides security and financial flexibility when it matters most. Of course, there are other reasons you should consider when purchasing a life insurance policy and if you have any I would love to hear them. Drop me a comment or send me a note and I would love to share your thoughts and if not, just remember to keep smiling cause it really does look good on you no matter what you do!

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Why you Should and Shouldn’t Invest in an Annuity

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Investing in an annuity can be a suitable financial strategy for some individuals, but it’s essential to carefully consider your financial goals, risk tolerance, and personal circumstances before making such an investment decision. I recently purchased an annuity and gave some thought to why I should and why I shouldn’t have? If you’re considered investing in an annuity here are some reasons why you still might:

  1. Guaranteed Income: Annuities can provide a steady stream of income, which can be particularly valuable in retirement. Fixed annuities offer guaranteed payments for a specified period or for life, providing financial security.
  2. Tax-Deferred Growth: Many annuities offer tax-deferred growth, meaning you don’t pay taxes on your earnings until you withdraw them. This can be advantageous for individuals in higher tax brackets, as it allows your money to grow more quickly.
  3. Diversification: Annuities can be part of a diversified investment portfolio. They can provide a stable, low-risk component alongside riskier assets like stocks or real estate.
  4. Lifetime Income: If you choose a life annuity, you’ll receive payments for as long as you live, which can help protect against the risk of outliving your savings.
  5. Principal Protection: Some annuities, like fixed or indexed annuities, provide a degree of principal protection, ensuring that your initial investment is safe from market fluctuations.
  6. Legacy Planning: Annuities can also include options to leave a legacy for your heirs. While the primary purpose is income, you can set up certain annuities to provide a death benefit or pass on the remaining balance to beneficiaries.
  7. Predictable Returns: Fixed annuities offer predictable, guaranteed returns, which can be appealing if you’re risk-averse and prefer steady, known income.

However, it’s also crucial to consider the potential drawbacks and risks associated with annuities as well. Here are a few reasons you may not want to invest in an annuity:

  1. Lack of Liquidity: Many annuities have limited or no liquidity, meaning you may not access your money without penalties or surrender charges for a specified period.
  2. Fees and Expenses: Annuities often come with fees, including sales commissions and management fees, which can eat into your returns.
  3. Complexity: Some annuities, particularly variable and indexed annuities, can be complex and challenging to understand fully.
  4. Inflation Risk: Fixed annuities may not keep up with inflation, potentially eroding your purchasing power over time.
  5. Loss of Control: When you invest in an annuity, you’re relinquishing control over a portion of your assets, which may not be suitable for individuals who want flexibility and access to their money.
  6. Insurance Company Solvency Risk: Annuity payments are backed by the financial strength of the insurance company. While many are highly rated and stable, there is still a degree of risk associated with the insurance company’s financial health.

Before investing in an annuity, it’s essential to thoroughly research and understand the specific type of annuity you’re considering, the terms and conditions, fees, and the impact on your overall financial plan. Additionally, it’s wise to consult with a financial advisor who can provide personalized guidance based on your individual financial goals and circumstances. As with any of my posts, I would love to hear if you have invested in an annuity, how it’s going, or why you have decided not to invest in an annuity? Drop me a line or give me a call and until next time keep smiling cause it really does look good on you.

Things to Consider About Retirement Planning

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It’s hard to believe that when I started this blog, I was a single dad not thinking much about my future or potential retirement. Granted I am still a ways off from retirement but as my kid enters his senior year the thought continues to cross my mind especially, as I start a new position within this same industry. Do find yourself asking if you are ready for retirement? Do you have the right plan in place? Will you be able to continue to live the lifestyle that your currently living? Have you done enough to get across the finish line? If you are like me the answer maybe somewhere in the middle between yes and no.

Just like everything in life these days retirement planning is a crucial aspect of ensuring financial security and a comfortable lifestyle during your retirement years. Here are some important things I’ve considered when it comes to my retirement planning and perhaps you should also give them some thought:

  1. Start Early: The earlier you start saving and investing for retirement, the better. Compound interest works in your favor, allowing your investments to grow over time. Starting late might require larger contributions to catch up.
  2. Set Clear Goals: Define your retirement goals and lifestyle expectations. Consider factors like where you want to live, travel plans, healthcare needs, and any hobbies or activities you want to pursue. Having a clear vision will help you determine how much money you’ll need.
  3. Calculate Retirement Income Needs: Estimate how much income you’ll need in retirement. Factor in living expenses, healthcare costs, inflation, and potential unexpected expenses. A common rule of thumb is aiming to replace 70-85% of your pre-retirement income.
  4. Consider Retirement Accounts: Take advantage of tax-advantaged retirement accounts, such as 401(k)s, IRAs, and Roth IRAs. These accounts offer tax benefits and can help your money grow more efficiently over time.
  5. Diversify Investments: Spread your investments across different asset classes (stocks, bonds, real estate, etc.) to reduce risk. Diversification can help protect your portfolio from market fluctuations.
  6. Regularly Review and Adjust: Your financial situation and goals may change over time. Regularly review your retirement plan to ensure it aligns with your evolving circumstances. Adjust your contributions and investment strategy as needed.
  7. Manage Debt: Aim to enter retirement with minimal debt, especially high-interest debt. Paying off debts before retirement can significantly reduce your financial burden during this phase.
  8. Plan for Healthcare Costs: Healthcare expenses tend to rise as you age. Consider purchasing long-term care insurance or factoring in potential medical costs when planning your retirement savings.
  9. Social Security Strategy: Understand how Social Security works and determine the optimal time to start receiving benefits. Delaying benefits can result in larger monthly payments, but you might need to weigh this against your overall financial situation.
  10. Prepare for Inflation: Inflation erodes purchasing power over time. Ensure your retirement plan accounts for inflation to maintain your desired lifestyle.
  11. Create an Estate Plan: Develop an estate plan that includes a will, healthcare directives, and power of attorney. This ensures that your assets are distributed according to your wishes and that you have someone to make decisions if you’re unable to.
  12. Seek Professional Advice: Consulting a financial advisor can provide personalized guidance based on your specific circumstances and goals. They can help you create a retirement plan tailored to your needs.
  13. Stay Informed: Keep yourself updated about changes in tax laws, retirement regulations, and investment trends. Staying informed allows you to make educated decisions that align with your retirement objectives.

Remember that retirement planning is a dynamic process. It’s essential to regularly reassess your plan and make adjustments as needed to ensure you’re on track to achieve your retirement goals. The most important thing is that you start. Like I mentioned, I’ve started a new position helping others plan and reconsider what they are doing for retirement, hence why this subject came to be. I hope you also take the time to evaluate what you are doing to prepare for the future and if not maybe you should start. If I can be of any help or if you have any additional advice, please feel free to reach out or share, as we all continue to help one another. Until next time and as usual keep smiling cause it really does look good on you.

My Son is Turning 18? Now What?

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Boy how time flies when your having fun. I started blogging about family values quite some time ago, as my son and I embarked on a journey together. From single dad, to married dad, to a happy dad it has certainly been a ride. As I sit here and wonder what lies ahead for my son, I can’t help but think about all the responsibilities that he has ahead. Without question, here are a few things I’ve thought about and if you have a child the following could also be key pieces of advice you could share with them as he/she turns 18 and enters adulthood:

  1. Take Responsibility: Encourage him/her to take responsibility for their actions and decisions. Adulthood comes with accountability, so they should own up to his mistakes and learn from them.
  2. Set Goals: Help your child set both short-term and long-term goals. Having clear objectives will give them direction and motivation to work towards their aspirations.
  3. Financial Literacy: Teach them about budgeting, saving, and managing finances. Understanding the basics of money management will serve them well throughout their life.
  4. Continue Learning: Emphasize the importance of continuous learning. Whether it’s through formal education, self-study, or practical experiences, growth comes from a willingness to learn.
  5. Health and Well-being: Encourage a healthy lifestyle (my son actually passed this on to me). Things like regular exercise, a balanced diet, sufficient sleep, and attending to mental health through relaxation and stress management techniques.
  6. Build a Support Network: Help them understand the value of building strong relationships with friends, family, and mentors. A support network is crucial for emotional well-being and personal development.
  7. Independence: Foster a sense of independence. Encourage them to learn practical life skills such as cooking, laundry, basic home repairs, and managing personal documents.
  8. Communication Skills: Teach effective communication skills. Being able to express thoughts, ideas, and concerns clearly and respectfully is essential in both personal and professional settings.
  9. Time Management: Share strategies for time management. Balancing commitments, work, and personal time requires effective organization and prioritization.
  10. Ethical Values: Reinforce the importance of integrity, honesty, and treating others with respect. These values will guide them in making ethical decisions throughout their life.
  11. Explore Interests: Encourage them to explore their interests and passions. This is the time to discover hobbies, talents, and potential career paths.
  12. Resilience: Life will present challenges. Teach them to be resilient in the face of adversity, to bounce back from setbacks, and to view challenges as opportunities for growth.
  13. Decision-Making: Discuss the process of making informed decisions. Weighing pros and cons, considering consequences, and seeking advice when needed are important skills.
  14. Networking: Introduce the concept of networking. Building professional connections can open doors to opportunities in various fields.
  15. Giving Back: Instill the value of giving back to the community or volunteering. Contributing to society can be incredibly rewarding and provide a sense of purpose.
  16. Travel and Exploration: If possible, encourage them to travel and explore new places and cultures. Experiencing the world firsthand can broaden his horizons and perspective.
  17. Adaptability: The world is ever-changing. Teach them to adapt to new situations, technologies, and environments.
  18. Enjoy the Journey: Remind them that life is a journey. Encourage them to embrace the present moment, savor experiences, and find joy in the process of becoming the person they aspire to be.

Remember that your guidance and support will be invaluable as your child navigates this exciting new phase of life. Of course this isn’t a complete list and surely if you have other items to add I would love to hear them? I introduced my kid to this blog several weeks ago and I hope he takes the time to read what I have written; otherwise, and as usual keep smiling cause it really does look good on you >:-)

Snapped During Senior Photo Shoot

Emerging Trends and Innovations in Healthcare: A Glimpse into the Future

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Like many industries, the field of healthcare is ever-evolving, with advancements in medical technology, research breakthroughs, and innovative approaches to patient care that are helping shape its landscape. As we navigate the complexities of the modern world, healthcare continues to adapt and transform to meet the challenges and demands of today’s society. In this post I thought I would review some of the latest news and trends in healthcare that are shaping the industry and promising a brighter future for patient care and well-being.

1. Telehealth Revolutionizing Patient-Doctor Interaction?

Telehealth, the delivery of healthcare services through digital communication channels, has witnessed a significant surge in adoption over the past few years. This trend was accelerated by the COVID-19 pandemic, which highlighted the importance of remote healthcare delivery. As virtual consultations become more commonplace, patients have gained easier access to medical expertise, regardless of geographical barriers. With the integration of artificial intelligence (#AI) for diagnostics and remote monitoring, telehealth is poised to become an essential component of modern healthcare.

2. Genomic Medicine and Personalized Treatments

The rapid advancement of genomic research has opened up new avenues for personalized medicine. Genetic profiling allows healthcare providers to tailor treatment plans based on an individual’s genetic makeup, leading to more effective and targeted therapies. This approach is particularly promising in the fields of oncology and rare diseases, where individual variations play a crucial role in treatment outcomes. As costs associated with genomic sequencing decrease, the integration of genomics into routine healthcare is becoming more feasible.

3. AI and Machine Learning in Healthcare

Artificial intelligence and machine learning are revolutionizing various aspects of healthcare, from diagnosis to drug discovery. Machine learning algorithms can analyze large datasets to identify patterns that may not be apparent to human researchers. This has led to the development of AI-powered diagnostic tools that can detect diseases like cancer from medical images with high accuracy. Moreover, AI is being employed in drug discovery to identify potential drug candidates and predict their interactions with biological systems, significantly expediting the drug development process.

4. Virtual Reality (VR) for Pain Management and Rehabilitation

Virtual reality is finding its place in healthcare as a tool for pain management and physical rehabilitation. By immersing patients in virtual environments, healthcare providers can distract them from pain during medical procedures or aid in their recovery by engaging them in therapeutic activities. VR has shown promising results in reducing pain perception and improving patient outcomes in various scenarios, including burn wound care and physical therapy for stroke survivors.

5. Blockchain for Enhanced Data Security and Interoperability

Blockchain technology is making inroads into healthcare by addressing the challenges of data security and interoperability. With its decentralized and tamper-proof nature, blockchain ensures that patient data remains secure and private while allowing authorized parties to access relevant information seamlessly. Additionally, it enables efficient data sharing among healthcare providers, leading to improved care coordination and patient outcomes.

6. Mental Health and Digital Therapeutics

The recognition of mental health as a critical component of overall well-being has spurred the development of digital therapeutics. These smartphone apps and online platforms offer evidence-based interventions for conditions such as anxiety, depression, and insomnia. Digital therapeutics often incorporate cognitive-behavioral techniques and mindfulness practices to provide accessible and scalable mental health support to a broader population.

In the end…

The healthcare industry is undergoing a profound transformation driven by technological advancements, research breakthroughs, and shifting patient needs. From telehealth revolutionizing remote patient care to AI-driven diagnostics and personalized medicine, these trends are collectively reshaping how healthcare is delivered and experienced. As these innovations continue to evolve, they hold the potential to improve patient outcomes, enhance the quality of care, and ultimately create a healthier and more resilient global population. Of course, and with any of my posts these are my opinions but I would love to hear what you think is helping shape the future of the healthcare industry or any other industries that you are part of. Drop me a line, let’s connect and share in the continued revolution of online communications. Until next time, keep smiling cause it really does look good on you!

About the Author:

David Dandaneau is a insurance agent that covers the insurance and financial services industry. He is known for his insightful analysis and comprehensive coverage of market trends and regulatory developments.

Happier: Is there Happiness as a Care-Giver?

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Is anyone really happy? What is happiness anyway? I’ve touched on this before in previous posts but let’s dive deeper into this thing they call happiness but from a care givers point of view! So many of us wonder through life looking for some reason to be happy but is happiness really just waking up and being happy, being thankful for those we have in life, that first cup of coffee, piece of toast, or that fruit?

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Let me be the first to tell you that true happiness is those things and so much more. Happiness is something that we have control over. Happiness is in fact, what we decide to be happy over. Recently, I became a care-giver of my father in his final weeks fighting stage 4 lung cancer. This made me very happy, as it was rewarding to be with dad during these troubling times, yet it was also very stressful seeing the decline in such a good man making me unhappy.

Care-giving while remaining optimistic and happy was a new concept to us in our newly formed family life but is something millions of people around the world do everyday and very challenging to say the least. Being cared for or cared by is a team effort no matter what side of the fence you are on and if everyone can remain happy during these times the easier it can be. However, how can anyone remain happy having to manage doctor visits, medications, hospice personal, and the mental/physical health of a loved one? On the flip side and as I have yet to find out… what toll did all this short-term happiness that I had during this time will/is playing on my overall real state of happiness both mentally and physically. I guess only time will tell huh?

Going at anything in life alone can be very challenging, scary, and filled with unknowns but trying to remain happy during these times is very important. Here are some things I found helped and are helping right up to this post.

Rule #1

Don’t do it alone. One thing I noticed over the last few years in fighting this cancer is that there is a lot of help out there for you whether it comes from the doctors, hospice crew, co-workers, or other family and friends. If you don’t ask or take any help think about how this will affect your overall happiness. Also think about how this will affect your health, finances, and spirit? Chances are you will see them all decline eventually and you will end up broke, depressed, and unhappy that you didn’t do enough. Yes? No?

Rule #2

Make it worth every minute. in my dads final weeks/month we were very blessed to have worked with amazing doctors (although dad was convinced they were only after his money), family, and an amazing hospice staff throughout the greater Tampa area. Over this time, I felt a great sense of happiness and continually told myself (even if I was NOT getting paid) that this time spent with him was worth every minute and every dollar of energy we all put into his full-time care. Even though my health and finances continued to decline throughout this time, I tried my best to remain happy and make every minute count. I think dad appreciated it although I still think sometimes he could see the stress mounting.

Rule #3

Tell those your with how much you love them. All to often in life, I think a lot of us get caught up in the moment regardless of what it is. Care-giving is no different. Care-giving requires all your time, energy, and effort, so how can you remain happy and tell all those others in your life that you love them? I by no means have excelled or am excelling in this category but did/do my best each day to tell others how much I love/loved them. Heck, I was even telling the hospice crew I loved them at the end. Now that both my parents have passed I will continue to work on this and hopefully when it’s my time those I touched throughout my life will tell me those exact words… I love you in the end!

 

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I know that I could create an endless list of how to remain happy as a care-giver but I’ll save those for another day. The fact(s) is that most of us choose to be unhappy and more people should choose to be happy, especially if you are or will become a care-giver. Life as a care-giver can be filled with spreadsheets, charts, sleepless nights, etc. but if you somehow can remain happy, I think that is what will carry you to a long end life, while not pissing off all those that you are so close to. And as Mother Teresa said “spread love everywhere you go. Let no one ever come without leaving happier.” Thoughts?

In memory of my AWESOME LOVING DAD!!!

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CHANGE is the One Thing We Can ALWAYS Count On

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ChangesEven though there are a million and one ways to describe a happy family there is not a universal way to describe the change(s) you and/or your family will go through. In fact, the one thing that is constant in our lives and that we all can be sure of is that… things will change. Yes, this may mean things will change for the better or they might change for the worse, as more and more people struggle to balance life, work, and the needs of their family and/or lives.

It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change. Charles Darwin (1809-1882) English Naturalist

Ever since I was a young boy, I have never been afraid of change. Whether it was going to school, meeting new people, or going to new places I have embraced the changing landscape of my life, which is true to this very moment. However, it wasn’t until yesterday (my niece inspired me to think about this in her Facebook post) that I truly realized that change in my life is the one thing I count on and really look forward to the most. Even though my changing life has had both positive and negative aspects to it, for the most part it has been the negative aspects that have inspired me the most to embrace change further. Yes, I did say negative, since if I never had a negative experience I would have never moved from Michigan to Florida, gotten married/divorced, earned my Bachelor, Masters, or Doctorate, or even became a “Single Dad!”

Change is the law of life. And those who look only to the past or present are certain to miss the future. John F. Kennedy (1917-1963) Thirty-fifth President of the USA

Why then if “change is the law of life,” are so many people often frightened of change? Why don’t more people embrace changes in things such as technology, their lives, careers, or their family structure? Instead of thinking of change as a negative why, don’t we start to use the negative aspects of change as positive motivations for additional change? If you are anything like me you shouldn’t be afraid of change or failing (trust me it as it seems I have failed more than anyone I know) nor should you value other people’s opinions of change more than your own opinion of change. Don’t look at your disappointments in life as negative aspects of change but rather positive motivations for your long-term success(es).

To improve is to change; to be perfect is to change often. Winston Churchill (1874-1965) British politician.

Whether you are single, a cohesive family unit, or even a single parent if you want to be happier why don’t you give change a chance when it comes to advancing yourself, career, or raising healthy/happy children? As a single dad myself, I now realize this more than ever, as change has been the one thing constant enough in my life to help me build additional self-confidence, relationships, and my career even though these things may not had been the things I had always dreamed of. In order to further inspire myself and perhaps you through additional change here are a few things I do/have done over my life to embrace change.

1. Realize that your career and life will consistently change- The economy, people, and your career will change. Instead of feeling sorry about the situation, embrace it and adjust yourself to these changes.
2. Relieve your past experiences- Whether you are looking at positive or negative changes try to mold your future around them. Considering both positive and negative changes in your life will help you avoid these same changes later in life (perhaps this is more easily said then done?)
3. Take note of both positive and negative changes- Perhaps the best thing to do with anything or in this case, change in life is to write them down (i.e. positives and negatives). This should be as easy as starting or maintaining a journal or better yet with the advent of social media use Twitter, Facebook, or anyone of the other social sites to track your changes in your career or family. Remember documenting something in better than nothing in this aspect.

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Everyone whether you are young or old in a relationship or going it alone deserves to live a strong, happy, healthy, and successful life. If you identify both negative and positive changes in your past, perhaps you can do more to shape your future, while molding these changes into motivation that will help you change yourself or others you touch additionally. Remember if you have children to share with them not only the positive changes in your life but also the negative changes, as this also gives are beloved little ones the ammunition they will also need to embrace both the positive and negative changes in their own futures. As with any/all articles I write I would love your thoughts and/or your sharing/connecting further of this article on any of my/your social sites. Thanks again for stopping by and as usual until next time… KEEP SMILING ≧✯◡✯≦✌

Stop Trying to be so MAGICAL & Just Relax

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magic-kidJust stop it already! That is what I keep saying to myself anyway. Two weeks ago, I wrote an article on saying no more often to our children and it is something that I am continuing to make ends with in regards to raising a kid that is not spoiled beyond belief. Within this timeframe, I have also been asking myself why it is and more importantly, why it is I continue to catch myself saying yes, and trying to make my kids life so magical.

While I spend most of my time as a contractor for FedEx now a days, in the past I have been (still involved but not nearly as much) a blogger, consultant, teacher, and mentor that helped(s) to inspire others, their businesses, families, and children. Through these interactions and the continued evolution in my own life, I have had a front row seat to some good and bad behaviors others are and/or have exhibited in their own personal and business lives. These behaviors regardless of whether they are good and bad have allowed my own personal and business life to evolve. More importantly, I am continually learning that in business and life we do not need to hold some sort of magical halo over others and especially our children (i.e. trying to create some sort of MAGICAL world), as this usually doesn’t allow others (especially children) the opportunity to thrive or gain independence just like saying yes so often. Does that make since?

“We do not need magic to transform our world. We carry all of the power we need inside ourselves already.” ― J.K. Rowling

As my time passes at becoming a better parent, my own parenting model also continues to take shape. What I mean most by that is what I (we) need to do more of is focus on the little things in our lives and not on all those magical moments others would lead you to believe are so important. I remember growing up in a world that was less connected online and more connected in real life. Not that it’s bad to be connected through social media but let us not use this as a median to compare ourselves with others all while trying to outduel each other. Additionally and as great as sites such as Pinterest, Instagram, Facebook, etc are we should not let these and other social sites dictate to our young ones that there is some magic in doing things in excess to create some sort of magical childhood. Instead (this is especially important in a business acumen) let us get back to basics. Let us all do a better job at stretching our own child(ren’s) imaginations alongside ourselves by laying on the couch, taking a walk, or just sitting next to your little one(s) while you share a giggle or two. This my friends would be getting back to basics in a business since, while helping to create a more magically childhood for our children, not to mention relieving the stress of trying to keep up with the so called Benjamin’s (i.e. others on your friends list that consistently are trying to outduel everyone else on their friends list).

“Magic is believing in yourself, if you can do that, you can make anything happen.” ― Johann Wolfgang von Goethe

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Long story short and what I am trying to say here is whether you are going it alone or in a relationship with another person while trying to raise a little one or ones remember that us parents can easily make our child’s growing up magical by being simple. We do not have to take continuous vacations, throw extravagant parties, or take our kids places often. However, what we all should do a better job at is focusing on creating a magical childhood for a kids by simply being there for them, talking to them when times are tough, and simply hanging out. There are an excessive amount of parents out there that don’t even make an attempt to spend time with their children, even call them, or provide any type of support (financial or mental). Do not be one of those parents and simply take the time today, tomorrow, or the next day to spend a few minutes enjoying your child or children because time goes by way to fast for us not to. Don’t be like some of those other parents out there that overdue everything, simply do something, just a little something to create a real magical childhood for your child(ren). Until next time my friends have fun, creating real magical moments not made up ones. Oh ya and don’t forget to KEEP SMILING (͡° ͜ʖ ͡°)

My Top 5 Must Have(s) for LinkedIn Success!

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May 15th, 2012 will mark my five-year anniversary on the social media site LinkedIn, which is the professional social networking medium that allows you to connect with friends, co-workers, and other professionals that at one time would have been impossible, Yes- I am talking about those days before we had computers. Nonetheless and since there are still many people out there that do not have a LinkedIn profile, I thought I would create a post on our Seven Times Seven blog to relay some of the do’s and do not’s of this giant social media platform. Here are the TOP 5 rules of the road!
(1) LinkedIn is Your Online Resume… so treat it as such –– Whether you use LinkedIn for business or pleasure, make sure to update your profile with regularity just like you would your Facebook, Twitter, or Pinterest accounts, as this is the first place most people head to in order to check out your credentials. The difference between LinkedIn and other social media sites is that this site is a true representation yourself, views, and of some of the important things you have accomplished, so treat it as such, or just like you would your resume… DO NOT misrepresent yourself or your company! 
(2) Join Interesting (Business or Personal) Groups –– It amazes me how few people know about LinkedIn groups, as they have been around for as long as I can remember. In order to network with other same minded individuals, make sure you join some local, regional, and global groups in order to connect, share, and converse with others about important things happening in yours or another industry. Most importantly with any group or these groups in particular is to participate! Whatever you do… DO NOT join groups just to join groups, join groups to show others you are willing to help them, not just looking for handouts.
(3) Follow Interesting Organizations –– Just like the group format, make sure you are following and interacting with companies. Almost every organization out there has created a company profile on LinkedIn, so make sure you find the ones that you can help, connect with others that work there (you can connect with people through group affiliations), and remember to be found, you have to make yourself found, which following companies will do for you! Just like with the groups, DO NOT just follow companies to follow companies instead follow those you are truly interested in!
(4) Personalize & Tailor your Message(s) –– It often surprises me at how simple this is but how many people fail at this. Instead of reaching out and connecting to others with the generic LinkedIn message to those that belong to the same groups, work at old or like companies, and/or have some of the same interests as you; instead, make sure that you tailor your message to them and give a brief reason for connecting… DO NOT just connect with people and companies to connect with them… do you see a pattern here?
(5) Inform, Revise, and Update –– The most important part of LinkedIn is to inform people of what you think is important. Whether you use this site for business or personal reasons make sure to inform your contacts of important industry trends, news, or things happening in your career or life. Revise these accordingly to those you are trying to reach and most importantly, make sure to update your profile (articles, books, presentation you given, etc) that way more people will want to connect with you and listen to things you are talking about. Whatever you do, DO NOT just set-up your profile and leave it idle, as this like most other social media sites is a social site, hence why you need to interact with others, not just set it and forget it.
Obviously, these five rules of the LinkedIn road are just a few things that you should consider if you have not already and are serious about sharing, connecting, and being a person others turn to for honest advice. Just like with other social media sites, LinkedIn is a vehicle that allows you to connect with people and companies, while engaging them, heck it evens allows you to collect pertinent real-world research (i.e. surveys), as I am doing on the behalf of my Doctoral work. We (I) don’t use LinkedIn for prospecting but many people and companies do, so if you chose to prospect here, just make sure to respect others time, as you would in person or any other site… leave the junk mail at home, as nobody likes to be pestered! Lastly, if you have other accounts connected to your LinkedIn profile, make sure that the information you are relying is information suited for your audience, as this will go a long way in other views of you. I think if you take a little time to understand how this medium works that it can do wonders for you and others you will meet here, as it has for me. I warmly welcome all LinkedIn requests, so if you are alike minded individual and would like to talk or interact, drop me a line and let’s connect. Otherwise, I hope this post helps you achieve some of your personal and business goals. Now get out there and connect, engage, and enjoy your time with others. Until next week, play nice and don’t forget to keep smiling, as it really does look good on YOU!

David Dandaneau is a Consultant at [SevenTimesSeven]. He specializes in helping business owners “manage their business and not their processes!” For more connect with him via Twitter @ddandaneau or any of the other social platforms you may find him on.



5 Tips to Ask in Order to Run a Successful Social Media Campaign with Increases in ROI and Sales? Yes!

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As many of you know, finding an experienced professional to assist you with anything in life can be a daunting task. Also, as many of you probably know there are so many people out there that you speak with everyday that consider themselves “experts, connoisseurs, sales guru’s, geeks” of the trade(s), etc. Well as we both know, these so called experts or what have you, don’t actually have the experience that you may often find yourself needing… good advice, that actually works or saves you money? Yes?
Needless to say, we also continue to run across these same people in our line of work (especially social media), who claim to be experts but are nothing more than users who participate in things in a limited capacity or in social media words… in the basic sites such as Facebook, YouTube, or Twitter. So, for this week’s discussion, we thought we would provide you with a few things (5 Tips) to consider or ask when you are considering putting together a social media campaign.
1)  The very first question you should ask someone that you are considering letting them help you with your online engagement is what sites do you operate personally or for your company and could you please provide me with the links to check them out?
·    Now that you have their attention, see if they provide you with more than just a Facebook or Twitter account. It is crazy to think about but many experts stake their claim on these sites and these sites alone. However, the truth is social media didn’t start with these sites nor are they the answer to everyone’s needs. Look for people/companies that give you links to blogs and old school forums, etc. Also, look at how long they have been ACTIVELY participating in online activities, since participating for 6 months or a year or two definitely doesn’t make you an expert. Just ask Melcolm Gladwell who wrote Outliersand 60 Minutesused to run a great piece on. Think 10,000 or 10 years (well maybe not that many) but at least look for 3,000 or 3 years of activity.
2)   The second question you should ask the so-called expert you are talking to is whether or not they are familiar with or know of any restrictions in online activities for your specific needs or industry segment.
·    Let’s face it much like people would like to tell you, in online or social media activities there is not one size that fits all approach… mush like Professional Employer Organizations (PEOs), Customer Relationship Management (CRM) services, etc. Sure you can participate get quotes for all the companies or operate on all the mediums but most people/businesses should stick with 3-5 networks. A good example is our consulting practice. We consult with clients on PEO, CRM, and Wireless Devices, so these are our ideal clients (companies who offer and those who also need these services), as we know the industry extremely well and any limitations that we must consider on their behalf. However, we don’t run social media campaigns for law, pharmaceutical, alcohol, etc, as we are not familiar with these segments. Sure we could figure it out but you really want a professional or business to help in your social networking that lives, breathes, and knows the industry and more importantly, where your customers hang out!
3)   The third question you should ask your so called expert is their overall opinion (personal opinion) of the industry and how thinks might change in the days, weeks, and months ahead.
·    This is a great question, as it usually lets you know where exactly the person or company started their online activities, why, and what they are trying to accomplish on a personal level. If they say they do it cause it’s their job… RUN! However, if they start out by telling you some of the reasons they started to participate in chat forums, started their own blog, or why they originally joined MySpace or sold stuff on EBay these are more than likely the people you want to deal with, as they have a personal not just a monetary investment in social networking. Also, this should clue you in, as to what other networks that they think will be the next Facebook, much like Pinterest, FourSquare, Scoop-it, etc are becoming. The true expert lives and breathes whatever they are an expert in, so they should/will always have options for you when things are not going as well as you think they should or how they are going.
4)   The forth question you should ask is who will help develop, manage, or engage your specific audience?
·    It still amazes us how many people and businesses think that social media begins and ends with a post or the creation of a Facebook page or Blog or better yet how many likes, followers, or friends you can acquire. Shoot that is the easy part about social networking… creating the sites and adding people, what is difficult part is keeping people interested, engaged, and coming back each week (CUSTOMER SERVICE). This is often the more expensive part of social media but a good investment, if you or your company is really serious about taking the next step online and something more people/businesses should be concerned about if you are looking for that so called Return on Investment (ROI). We cannot even tell you how often we see idle accounts out there that were set-up and abandoned, even some of our client accounts. Why? Cause most of the time just like in person, people and a lot of businesses do not know how to interact with others online or what they want to accomplish even if you tell them. What is the worst that can happen? Someone de-friends, un-follows, or leaves a negative response? Rejection and acceptance are both part of life, so in order to be successful online; you have to interact with others. You cannot just develop an account(s) but you must also manage and engage, so this is a very important question to ask your expert!
5)   Finally the last question, and perhaps the most important (ROI) you have to ask is how exactly social networking will improve a person or business and the measurement scale your expert will use to claim a SUCCESS!
·    This is probably one of our favorite questions to answer because more times than not, our answer doesn’t have anything to do with likes, followers, or friends. Instead we use tools that were created for measurement such as Kred, Klout, PeerIndex,EmpireAvenue, and Google Analytics.  Of course these tools do consider your Facebook, YouTube, Twitter, LinkedIn, Google+, FourSquare, ETC. accounts but remember that they also measure your level of interaction. Of course, these sites are not perfect but remember the more you interact with your friends, followers, and acquaintances, the higher your scores should go. If you are a business, these should also translate into more calls, sales, referrals, etc (ROI) plus the more you interact the more likely you are to create chatter that is positive even despite any negatives that others may have previously left.
Each week we try to take our daily personal/business conversations and translate them into the online world for others to view and use. This week is no different, as we hope that these five tips can help you decide on a person or company best suited for your online “social media” and other activities. Of course, this is only the tip of the iceberg, so if you need any other advice, please don’t be afraid to ask us or contact David Dandaneau directly, as we are here to help. Otherwise, we will see you back here again next week, with another tip brought to you… Well, by YOU! You know the story… Keep Smiling Kidzzz!

David Dandaneau is a Consultant at [SevenTimesSeven]. He specializes in helping business owners “manage their business and not their processes!” For more connect with him via Twitter @ddandaneau or any of the other social platforms you may find him on.