Archive for TheLiveBigWay® Digest

TheLiveBigWay® Digest – Quick Cash

TheLiveBigWay® Digeston October 18th, 2018No Comments

How to Save in a Hurry

As you travel along life’s journey, different opportunities can come across your path that require pooling your resources; buying a house, taking your family on vacation, building an emergency fund, or buying a new car. And when you decide to pursue one of these opportunities, the next step is to think about what needs to be done to achieve the goal. Sometimes the timeline for the goal is long-term, but what do you do if you need to save in a hurry? In this space, we explore different quick-saving tactics to consider when you want to save for a big expense in a timely manner.

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A Financial Plan for Your “Mega Millions”

As you’ve inevitably heard, the Mega Millions jackpot payout for tonight’s drawing is nearing $1 billion. The hype around this drawing has grown with every round there wasn’t a winner, even though the chances of winning aren’t improving with each round. Whether or not you choose to play the Powerball, Mega Millions, or any lottery drawing, there are a few relevant financial concepts to contemplate in light of the chaos. Take a ride with us as we chronicle the roller coaster of financial decisions you must make when you decide to purchase a lotto ticket.

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In Case You Missed It: What the Stock and Markets are Telling Us

OK, let’s be honest, we never really know what the stock and bond markets are telling us in real time. This is because the economy and the financial markets are complex, chaotic systems that defy short-term prediction or analysis. It is only after the fact, with the benefit of hindsight, that we know what the signal meant. Having said that, we can still harness economic theory to tell us what “might” be going on. Read on for our thoughts on the theories for recent market volatility.

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Save the Date for Our Live Webinar: Post-Election Direction

The midterm election is just over two weeks away and many are predicting that this election’s attention and voter turnout will be unprecedented compared to recent years. No matter the result, however, it is almost certain that the vote will have an impact on the economy and the markets. Register today for our live webinar on Wednesday, November 14th at 11:00am PT / 2:00pm ET where Dr. Dave Yeske will share his thoughts on our post-election direction.

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Final 2017 Tax Return Reminder

The final 2017 income tax deadline has come and gone. For those who filed for an extension, we would like to kindly request that you send us a copy of your 2017 federal and state returns to help us better serve you through the remainder of the year. We are best able to perform tax related analysis with your most current tax return. Exactly how the information is used varies from Client to Client but may include analyzing Roth conversions, updating retirement capital projections, calculating tax projections, and tracking tax data that can impact investment decisions. You may send the documents to us using any of the secure methods described here.

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TheLiveBigWay® Digest – Credit Craze

TheLiveBigWay® Digeston October 4th, 2018No Comments

The Age-30 Crisis: What About My Money?

As individuals transition into their 30s, they may be entering (or be in the midst of) some of the most critical life transitions they will experience including establishing their careers, marriage, and parenthood. These transitions have such an impact on an individual’s life that some psychologists refer to them as “major life investments,” both because of the personal and financial implications during this stage of life. To learn more about how one can prepare themselves for these transitions from a financial standpoint, read on.

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Yeske Buie in the Media: Cash Back Considerations

Credit card companies spend billions of dollars each year marketing their cards to consumers, often using flashy commercials to advertise cash back bonuses, 0% interest rates, and other attractive qualities. But with all the options out there, how do you decide which company earns your business? While there are a number of considerations to evaluate when making this decision, for many consumers, cash back bonuses have become one of the most highly valued considerations. Lauren Stansell recently shared her thoughts on cash back cards with BankRate.com – read on to see what Lauren had to say.

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In Case You Missed It: Is it Smart Money or Dumb? 

At the end of last week, we shared our response to The Wall Street Journal columnist Jason Zweig’s latest offering for The Intelligent Investor titled “The Dumb Money Is Bailing on U.S. Stocks. That’s Smart.” Zweig’s article argues that “now more than ever, investors need to consider investing in overseas stock markets.” In case you missed our short weekend read, we share it again here in this space.

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Freeze for Free

Just in time for cybersecurity awareness month, a new federal law effective September 21 brings about two positive changes for consumers – free credit freezes and unfreezes and year-long fraud alerts. These two security measures add an extra layer of protection to your personal information by restricting access to your credit file. Credit freezes achieve this by preventing lenders from pulling your credit file until you choose to unfreeze your information. Similarly, fraud alerts prompt lenders to take extra steps to verify your identity before accessing your information. Both of these efforts help ensure that your credit is accessed only for instances that you – not a fraudster – have authorized. Read on for details on establishing a credit freeze or a fraud alert based on our firsthand experience.

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Where in the World is the Live Big® Glass?

Where in the world is the live big glass these days? It’s recently been spotted in more northern areas of the world with stops in the Windy City and Seydisfjordur, Iceland! These two photos have been added to our gallery that offers over 90 other photos of the Live Big glass in dozens of states and countries around the world. If you have a photo you would like to add to our gallery or if you would like to request a glass for yourself, please don’t hesitate to email Mila@YeBu.com.

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TheLiveBigWay® Digest – Change Checklists

TheLiveBigWay® Digeston September 20th, 2018No Comments

Job Change Checklist

These days, chances are good that you will change jobs more than once in your career, if not several times. These job transitions can be a whirlwind, both exciting and daunting at the same time, and can present you with many financial choices that affect your current and future financial goals. Putting your financial situation in order and being organized going forward will help you get off to a great start at your new job, and ensure you’re still on track to reach your future goals! With all this in mind, here are some tips to help you navigate the transition.

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Financial Planning’s Mission During Life Transitions

As summer slides into fall, signs of the changing seasons can be seen across the country and remind us of the rhythm of life’s changes. As financial planners, we are in a unique and privileged position to share in the rhythmic changes of our Clients’ lives. In fact, it is during periods of transition that financial planning takes on new meaning. Learn more about Yeske Buie’s role during times of transition and the resources we share with our Clients to help them navigate life’s changes.

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In Case You Missed It: Short Take – Emerging Market Blues

An article from The New York Times published earlier this month detailed some “bad news” related to emerging markets (EM) and spawned quite a bit of chatter among investors. Emerging markets have been in the news lately, in part because stock markets in those countries have been falling in recent months (for reasons we’ll discuss further), but also because of crises and disruptions occurring in a handful of specific countries. All of this prompted us to share this brief note on the topic – we hope you find it to be informative.

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Yeske Buie in the Media: “Investing in 529s? Here is the Lesson Plan”

A few weeks ago, the Yeske Buie team hosted a live webinar panel discussion where we shared our thoughts on education planning initiatives for children of all ages. The webinar gained the attention of many including Ann Marsh, a senior editor for Financial Planning Magazine, who wrote about the webinar as part of her Tax-Advantaged Investing series. In this space, we’d like to share some of the highlights from Ann’s comprehensive summary of the webinar. And if you missed our live discussion, you can re-watch the recording here on our website.

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Thank You for a Magical Event!

Last week, our team had the privilege of spending an evening with some of the wonderful people in our Yeske Buie community. We spent the evening together at the historic University Club of San Francisco and enjoyed insightful conversations, delightful appetizers and desserts, and the sharing of the team’s recent ah-ha moment that Yeske Buie is a love story. We look forward to sharing more about this story with all of our Yeske Buie community and in the meantime, we hope you enjoy this small gallery of photos from the event.

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TheLiveBigWay® Digest – Featured FinTech

TheLiveBigWay® Digeston September 6th, 2018No Comments

Defining the “Perfect” Investment

What is the “perfect” investment? How can you ensure your investments are a “perfect” fit for you? Better yet, how can you ensure your investments are a “perfect” fit in a changing world? Read on for our thoughts on the three criteria for judging the merits of an investment and building a portfolio that fits an individual’s needs “perfectly”.

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Featured FinTech

FinTech, or Financial Technology, refers to the innovative use of technology to streamline financial activities. While you may initially visualize FinTech as fancy smart phone apps, consider, also, how ATMs replaced bank tellers or how credit cards eased the burden of carrying cash – that’s FinTech! Over the next few months, we’d like to share with you some of the FinTech products that are catching our eye, and highlight them in this space we’re calling Featured FinTech. On deck today is an app called BusyKid, a chore and allowance platform for kids and parents – check it out!

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Build a Kit, Make a Plan

Considering the trend of weather events over the past few years, it appears that our reality is a world in which wildfires are an annual event in the West and extreme weather strikes everywhere else. In this reality, having an emergency plan is imperative. We’ve periodically written articles on emergency preparedness, and the same mantra is always true: build a kit, make a plan. With peak hurricane season around the corner, it seems timely to share suggestions, tools, and checklists to ensure you’re prepared for whatever weather comes your way.

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Meet the Team: Karen Simons

Last year, Yeske Buie was invited to join a pilot program called the Financial Planner Reentry Initiative, which is focused on diversifying the financial planning workforce by offering internships for experienced, professional, women, seeking to return to the workforce. From this program, Yeske Buie had the privilege of being connected with Karen Simons. Karen started working with us as a Re-Intern in February, and it didn’t take long to see that her high-quality work, care for our Clients, and wealth of expertise were bar none. Today, we are pleased to share that Karen has joined our team full time as a Financial Planning Apprentice. Join us in welcoming Karen to the team by reading our latest edition of Meet the Team.

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Our Special Event is Next Week

Our special event in San Francisco is next Wednesday and it’s not too late to RSVP for you and your guests – will you be able to attend? The event will be a social gathering with a dynamic discussion titled Financial Planning is Magic led by Dr. Dave Yeske and Elissa Buie. A selection of hors d’oeuvres and drinks will be available and there will be complimentary valet parking at The University Club. Let us know if we’ll see you there!

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TheLiveBigWay® Digest – Scholastic Success

TheLiveBigWay® Digeston August 23rd, 2018No Comments

Strategies for Scholastic Success

Ready or not, we’re nearing the beginning of September – the month when summer gives way to fall, when we’re all supposed to stop wearing white, and when the NFL gets back underway. September also marks National College Savings month. As schools from kindergarten through college begin their fall terms, now is as good a time as any to highlight the importance of preparing for college – both academically and financially. Today, we share resources for parents and students on the education planning journey, including a recording of this week’s back-to-school live webinar.

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Yeske Buie in the Media: Financial Advisor Success Podcast

Elissa recently spent time with fellow Financial Planner and educator, Michael Kitces, as a guest on his “Financial Advisor Success” podcast. During the podcast, the two discussed everything from Yeske Buie’s approach to creating financial plans and serving our Clients, to our desire to leverage the next generation of talent, to Elissa’s career, and more. In this space, we highlight a few excerpts from the podcast that we feel shed some light on Yeske Buie’s passion for serving our Clients through financial planning.

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Rounding Up the Gang at Far West

As has become an annual event, the Yeske Buie Financial Planning Team – minus Elissa and Dave who were living big on their African safari! – once again attended the Financial Planning Association’s Far West Roundup in beautiful Santa Cruz, California. At Far West, a smaller, more intimate conference compared to others, some of the brightest minds in the profession meet up on the campus of UC Santa Cruz to discuss any and all topics related to financial planning. Read on for a summary of this year’s nine informational sessions and the key lessons the team hopes to weave into the work we do for our Clients.

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Elissa and Dave’s Live Big Safari

Elissa and Dave recently returned from a three week, Live Big trip to Africa that included visits to Tanzania, the Serengeti, Zanzibar, and Cape Town. As you can imagine, the trip was nothing short of incredible. While they were away, the rest of the Yeske Buie team ran the office to ensure that our care for our Clients didn’t skip a beat. Elissa and Dave found it gratifying to know that it was business as usual for our Clients and felt grateful for the opportunity to take some time to Live Big. We’ve assembled a small gallery of photos from Elissa and Dave’s trip on our website for your viewing pleasure – we hope you enjoy them!

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You’re Invited: Financial Planning is Magic!

You and your guests are cordially invited to join the Yeske Buie team as we host a social gathering with a dynamic discussion titled Financial Planning is Magic. The event will be held on Wednesday, September 12 from 5 – 8pm at The University Club of San Francisco and complimentary valet parking will be available. Additional details including the event menu and insights on the magic of financial planning are available on our website. Let us know if you and your guests will be able to attend by emailing Mila Lavoie or visiting our online event site. We look forward to seeing you!

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TheLiveBigWay® Digest – Record Review

TheLiveBigWay® Digeston August 7th, 2018No Comments

Have You Reviewed Your Earnings Record?

Social Security is a topic that starts to come into conversation as retirement approaches – When can I start to receive benefits? How much will my benefit be? What about my spouse’s benefit? In addition to discussing and reviewing the options, there are other questions to consider and review prior to that time period. One review you may not instinctively think about is checking to see if your past Social Security earnings have been reported correctly. Read on to learn how you can (simply) check your earnings record and why it matters.

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The Ins and Outs of Identity Theft

August is Fraud Awareness Month – the perfect time to spark conversations about how vital fraud prevention is in our society. Given the significant number breaches and hacks over the past few years, experts say that consumers are at a heightened risk for identity theft. Considering this current reality, the question on many of our Clients’ minds is: what can we do to protect ourselves? In this space, we share information from industry experts about the methods identity thieves use to steal your personal information and what you can do to make yourself a less attractive target.

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Back-to-School: Strategies for Success

While it can feel like the back-to-school experience fixates on colorful displays found throughout department stores, the path to successful education planning is much more involved and requires a robust approach. Consider the following questions:

  • When is the best time to begin setting aside money for my baby’s education?
  • Help! My daughter’s attitude about budgeting is “What’s the point?”
  • After I move my son into college, I’ll be an empty nester – now what?

If any of these questions resonate with you, we encourage you to join our live webinar on Wednesday, August 22 at 11am PT / 2pm ET for the Yeske Buie team’s answers to these questions and more. Register today!

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Meet the Team: Cole DeLucas

As we’ve shared in this space several times in the past few weeks, our Financial Planning Team has grown significantly this Summer. Thus far, we’ve introduced to you, Steven Hong, Karen Simons, and Alishia DuBois. Today, we are pleased to spotlight Cole DeLucas. If this name sounds familiar, that may be because Cole was an Intern at the firm last Summer! Learn more about Cole’s goals as a Financial Planning Resident and how his internship prepared him for the next three years in this edition of Meet the Team.

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Save the Date: Special Event in San Francisco

You and your guests are cordially invited to join the Yeske Buie team as we host a social gathering with a dynamic discussion titled Financial Planning is Magic. The event will be held on Wednesday, September 12 from 5 – 8pm at The University Club of San Francisco. Complimentary valet parking will be available. Stay tuned to future Digests and email invitations for more details and feel free to email Mila Lavoie or visit our online event site to RSVP for the event. We hope to see you there!

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TheLiveBigWay® Digest – Avoid Surprise – Get Organized!

TheLiveBigWay® Digeston July 26th, 2018No Comments

Reviewing the Benefits: Renting and Buying

Rent or buy? It’s a question we hear and discuss often and it comes from Clients of all ages – whether it’s a newly married millennial couple looking to settle down, retirees looking to downsize, or anyone in between. Like many aspects of financial planning, there is not a one-size-fits-all answer – personal desires and goals matter as much as the monetary aspect. Today, we share a review of the benefits of renting and buying for you to consider when pondering this decision.

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Avoid Surprise – Get Organized!

Think about your answers to the following questions: Where is your Last Will and Testament? How about your auto insurance policy? Last year’s tax return? For many of us, our answers are skewed more towards “I don’t know.” And while it’s likely that, if given time, you could unearth all of these financial documents, it is also likely that this quick exercise has uncovered an opportunity for you to better organize these important documents. In this space, we share a few suggestions as you consider what documents to keep, how to organize them, and who to tell about your organization skills.

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Yeske Buie’s 2018 Retreat: Boulder, CO

The Yeske Buie team recently traveled to Boulder, CO for our annual Staff Retreat. The purpose of our Retreats is to intentionally spend time discussing how we work with our Clients and with each other to co-create practices and ensure alignment between our standard of excellence, our core values, and our day-to-day work. The theme for this year’s Retreat was Past, Present, and Future, and involved a variety of personal and professional development exercises. In this space, we’d like to invite you to relive the Retreat with us via a four-minute audio and visual presentation – we hope you enjoy!

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Dan Passed the Exam!

Yeske Buie would like to recognize Dan Tripp for his recent success in passing the CFP® Exam. Dan began studying for the exam in February and supplemented his training with the Zahn Live Review, a comprehensive pre-study program designed to help students better understand key topics and the exam itself. After learning that he had passed the exam, Dan shared the following sentiment with the Yeske Buie team: “This is a huge milestone in my professional development and represents nearly three years of hard work plus endless hours of studying. I appreciate all the encouragement and support I have received from each of you!” With this success, Dan is well on his way to earning his CFP® Certification. Read on to learn more about the four requirements needed to earn the designation.

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Back-to-School: Strategies for Success

Although it seems like we were singing “School’s Out” just a few days ago, the back-to-school season is rapidly approaching. And while this time of year is largely fixated on school supply shopping, the season also presents a great opportunity for parents and students alike to renew their focus and ensure they’re practicing healthy habits. With this in mind, we invite you to join our live webinar panel discussion on Wednesday, August 22 at 11am PT/ 2pm ET for insights from the Yeske Buie team on healthy habits related to education planning, budgeting, financial literacy, creating or reviewing your financial plan, and more. Register today!

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TheLiveBigWay® Digest – Sailing the Financial Seas

TheLiveBigWay® Digeston July 12th, 2018No Comments

Sailing the Financial Seas

Ambiguity about the future seems to be at an all-time high. Technology is rapidly changing. Politics are divisive. War, disease, natural disasters, and stock market volatility fill our nightly headlines.At Yeske Buie, we have a heightened awareness to this apparent state of flux as ambiguity and how Clients respond to it is critically important to long-term financial success. Read on to explore the research behind human behavior in the face of uncertainty and how we look to be your experienced sea captain during these times.

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Vacation Temptation

Summer is in full swing and it’s likely that you have had or will have some kind of vacation or relaxation days on your calendar. Depending on how you choose to Live Big®, the vacation may involve a beach rental, a cabin in the woods, or maybe a cottage in your favorite town. If the place is really special, you may find yourself thinking “I wish I lived here!” and daydream about what it would be like to own the property as a vacation home. As always, before making such a big decision, we encourage you to keep a few things in mind to ensure the purchase aligns with your Live Big goals.

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Back to School Live Webinar – Save the Date!

While we certainly don’t intend to wish away the summer, school bells and textbook orders are seemingly right around the corner. At Yeske Buie, there are a number of ways that we help parents and students alike plan to go back to school, and we invite you to learn more about this at our live webinar on August 22nd at 11am PT / 2pm ET. During the webinar, we’ll discuss education planning techniques, creating a sound budget so you can feel confident about allocating funds for spending, and ways parents can use the back to school season as a time to rejuvenate their financial lives, as well. Save the date and register today!

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Meet the Team: Alishia DuBois

Summertime at Yeske Buie is meaningful in many regards, including being a time to welcome new talent to our ever-growing team. This Summer, we are pleased to have two new Financial Planning Residents join our team in Virginia: Alishia DuBois and Cole DeLucas. Today, we share an interview with Alishia to help you learn more about her abilities that we feel will make a positive impact at Yeske Buie. And, be sure to stayed tuned to future Digests for Cole’s introduction!

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Where in the World is the Live Big Glass?

Our Live Big glass has been covering a large area of the United States as of late. Specifically, we’ve received new photos of people living big with their glass in Maryland, Idaho, and Colorado. As we’ve mentioned in this space before, we’ve collected over 80 photos of people with their Live Big glass over the last three years, and we need your help to reach 100 photos by the end of the year. To request a glass or to send us your photos, please email Lauren@YeBu.com. We hope you enjoy your Live Big plans this summer.

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TheLiveBigWay® Digest – Money in Movies

TheLiveBigWay® Digeston June 28th, 2018No Comments

Money in Movies

Whether watching at a theater or from the comfort of your own home, movies have a unique way of bringing us together in support of (or defense against) a certain character or outcome. Today, we invite you to join us as we explore a list of movies where we believe money plays a role. What movies have you seen where money was a character? Did money play an obvious role? Or was it hidden in the relationships and discussions throughout the movie? Take a look at our list and let us know what you think!

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Finding Financial Independence

With the July 4th holiday upon us, it’s hard not to reflect on the qualities that have made the US unique (when not thinking about baseball, barbecues, and fireworks, that is). Most notably, of course, is our independence. When it comes to financial independence, however, it may not be as easy to reflect on the meaning or embodiment of the term. This ambiguity may be frustrating, but it also allows for individuals to define the term for themselves. Today, we share tools and resources to help you explore and reflect on your definition of financial independence.

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Congratulations to Yeske Buie’s Newest CFPs!

Grateful, honored, excited, and eager. These are a few of the words that Ryan Klemm and Zach Bennedsen, Assistant Financial Planners in our San Francisco office, used to describe the feeling of having officially earned the CFP® Certification! We are very proud of these two young men for the years of hard work they dedicated to earning this prestigious certification. Read on to learn more about the requirements for becoming a CFP and to hear from Zach and Ryan about their individual journeys.

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Meet the Team: Steven Hong

Yeske Buie believes in supporting and fostering the education and ingenuity of our youth and this belief is the underlying inspiration for our vibrant internship program. We find that interns bring novel perspectives, fresh ideas, and specialized strengths and skill sets, all while augmenting our firm’s capacity. This summer, Steven Hong, a rising Junior at the University of California Berkeley, is interning with us in our San Francisco office. Steven supports our Financial Planning Team through a variety of projects – see what he has been working on and how his work is impacting our Clients.

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Stay Connected with Us!

Social media has redefined how people interact, communicate and share with family, friends and the world. To recognize its impact on global communication, Mashable, a digital media website, launched Social Media Day which is celebrated annually on June 30th – tomorrow! At Yeske Buie, we use our social media platforms to share information about financial planning and the market, invitations to upcoming webinars and events, and pictures of our team at local conferences and events. If you aren’t already connected with us, we’d love for you to follow us on Twitter, like our Facebook page, or connect with us on LinkedIn. If you don’t have a personal social media account, you can still stay connected with us by visiting our Social Media Hub on our website. We look forward to connecting with you!

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TheLiveBigWay® Digest – Lasting, Not Trending

TheLiveBigWay® Digeston June 14th, 2018No Comments

Beyond the Crypto Craze: The Rise of Blockchain Technology

Hardly a day goes by where we don’t see headlines about Bitcoin, the rise of cryptocurrencies, and the emerging technologies fueling the craze – we shared a post on the topic earlier this year titled “What is Bitcoin actually worth?”. Today, we’d like to take a deeper dive into the technology that supports Bitcoin and cryptocurrencies known as blockchain. The emergence of blockchain technology may be reminiscent of Buffalo Springfield’s famous song lyrics; “There’s something happening here. But what it is ain’t exactly clear.” Read on for a deeper look at what that something is, and why we as financial planners are paying attention to this disruptive technology.

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Macro-Level Conference Learnings

A few weeks ago, our Financial Planning Team attended FPA’s Northern California Conference. We believe conferences like this one provide our team with the opportunity to gain macro-level insights on the current challenges and best practices in financial planning. We find that upon returning to the office, the conference learnings spark a curiosity to dive deeper into one or more topics, which oftentimes leads to robust conversations about applying these learnings with our Clients. Today, we share a few of this year’s conference highlights.

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Ryan and Faith, Forever! 

This May, nestled in the beautiful hills at Wolf Mountain Vineyard, Ryan and his fiancée Faith exchanged vows to become husband and wife. Celebrating in their home state of Georgia surrounded by family and friends, Ryan and Faith said “I do” as they soaked in the breathtaking mountain views and danced the night away beneath a spectacular sunset. The newlyweds are now enjoying the next chapter of their life together in San Francisco, and the Yeske Buie team couldn’t be happier for this perfect pair. We hope you enjoy the following pictures of Ryan and Faith on their special day.

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The 2018 Trends in Investing Survey

This year’s results of The 2018 Trends in Investing Survey have been released and in many ways, last year’s trends parallel this year’s findings. Specifically, the use of Exchange Traded Funds (ETFs) has climbed again for the eighth consecutive year with 87% of surveyed advisors reporting that they currently use or recommend ETFs with Clients. Additionally, there was a new investment vehicle added to this year’s survey – cryptocurrencies – which advisors largely agreed are “an interesting concept to keep an eye on, but not invest in yet,” at best. Read on for more on the survey results including Dave’s thoughts on ETFs and cryptocurrencies.

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Help Us Reach 100 Live Big Glass Photos!

It’s time to get your Live Big glasses out! With summer upon us and vacation (or stay-cation!) plans firming up, we hope you will enjoy your plans with your Live Big glass in hand. Check out our gallery of +80 photos that have been collected over the last three years and send us your photos to help us reach 100 before the end of the year. To request a glass or to send us your photos, please email Mila@Yebu.com. We hope you enjoy your Live Big plans this summer.

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“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won't feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” ~Marianne Williamson