Posts tagged with "finances"

Cryptocurrency illustration by Heather Skovlund for use by 360 Magazine

Tips in getting successful in the cryptocurrency industry

How to be a no-hit Cryptocurrency Investor?

Following the frenzied demand for cryptocurrencies this year, the globe has become divided into two camps. On one hand, there area unit people who area unit still skeptical concerning the long run of cryptocurrencies, whereas on the opposite aspect of the spectrum, there area unit people who area unit still optimistic that the worth of the digital currencies can still rise. For people who area unit unaccustomed the crypto world, there area unit many things that they have to grasp before they get into the globe of cryptocurrency. Here area unit some things for you to grasp to urge started.

Cryptocurrency capitalist may be a new venture within the market. Not heaps of individuals understand heaps concerning it. It’s a replacement business that’s apace increasing. Cryptocurrency may be a digital currency that’s encrypted and might be transferred from one location to a different over the net. It uses cryptography for security, creating it terribly tough to counterfeit. during this diary I’ll make a case for however you’ll become a no-hit cryptocurrency capitalist.

bitindexai.top aims to facilitate all the traders with a premium experience so that they get to learn and earn simultaneously. Moreover, this platform helps the traders to embark on a journey of generating a significant amount of money down the line by making the right choices. This calls for a profound study of the market which can only be done once you begin to observe the changes that unfold all around you. Such is the kind of change that has been ushered in by the crypto exchange platforms like Binance as this blog will talk about. 

Investment in Cryptocurrency Still Felt just like the western United States

As the cryptocurrency market continues to grow, it’ll become additional and additional necessary to create educated selections on that cryptocurrencies to take a position in and which of them to avoid. the primary question you wish to raise yourself is: what does one wish to attain by investment in cryptocurrency? Is it to get a passive financial gain from well-mined coins? does one wish to be an area of a project that you simply really believe in? does one wish to be an area of a project that may amendment the world? does one wish to be rich? If you would like to get a passive financial gain from well-mined coins, then the most effective plan is to take a position in a very proof-of-work coin, like Bitcoin. it’s the oldest and most secure cryptocurrency. If you would like to be an area of a project that may amendment the globe, then you wish to raise yourself a couple of additional queries. For example: what’s the project about? What drawback will it solve? is that the project already working? will it have a powerful team? will it have a good community? Is it a semipermanent project or a short-run project? If you would like to be made, then you wish to take a position in a very project that’s new which isn’t as well-known because the coins with the best market caps. this can be as a result of it’s easier to grow a smaller coin.

The marketplace for cryptocurrency remains in its early stages, however there area unit heaps of individuals that have gotten into investment in cryptocurrency. once folks that obtain cryptocurrency lie with for the primary time, they typically lie with the hopes of creating heaps of cash. However, there area unit heaps of individuals that lose cash once they invest in cryptocurrency. this can be actually because they didn’t do their analysis before they bought the cryptocurrency. after you begin investment in cryptocurrency, it’s an honest plan to find out the maximum amount as you’ll concerning the method before you create one investment.

This year has seen heaps of changes within the cryptocurrency world. It’s still quite risky to take a position in cryptocurrency, however here area unit some tips to assist you achieve success at it.

1.Start out by investment solely what you’re willing to lose. There area unit heaps of individuals UN agency have lost heaps of cash during this market. you ought to solely invest the quantity of cash that you simply area unit willing to lose. It’s continually a nasty plan to take a position extra money than you’ll afford to lose.

2. Decide if you’re willing to carry your coins for a protracted time. most of the people don’t comprehend it, however you’ll typically build heaps of cash by merely shopping for and holding the coin.

3. decide why you would like to take a position in cryptocurrency. There area unit some folks that wish to take a position in cryptocurrency as some way to create cash. These folks area unit typically remarked as “traders.” On the opposite hand, there area unit folks that endowed as a result of they believe the technology and need to be an area of it.

4. Don’t invest extra money than you’ll afford to lose. It’s not worthwhile.

5. Don’t invest extra money than you wish. If you merely would like $1,000 and you invest $5,000, you would possibly lose everything. It’s not worthwhile.

Britney Spears illustration by Heather Skovlund for 360 Magazine

Britney Spears Breaks Her Silence

“I Just Want My Life Back” 

Britney Spears Breaks Her Silence 

By: Heather Skovlund-Reibsamen 

Conservator 

con·ser·va·tor | noun 

  • a person responsible for the repair and preservation of works of art, buildings, or other things of cultural or environmental interest.

Britney Spears. We have heard her name countless times over the years in regard to her career, however, more recently regarding her conservatorship. A conservatorship is a legal arrangement that gives a court-appointed individual, known as the conservator, the power to handle the financial and/or personal affairs of another adult who has been deemed incapacitated.

In this case, James Parnell Spears is Britney’s father and conservator. Mr. Spears was appointed conservator in 2008 after Ms. Spears was taken to the hospital twice by ambulance for involuntary psychiatric evaluations in the midst of a series of public struggles and concerns around her mental health. 

The recent documentary on Britney Spears on Hulu, “The New York Times Presents Framing Britney Spears”, gives a lot of insight into how the conservatorship first came into play. Ms. Spears was failed from the very beginning, unfortunately. She had one request over the conservatorship- for her father not to be the head of it. She was adamant that he was not in charge of herself or her finances. She did not want her father making the decisions on her medical care and treatment as well as her finances.  

Essentially, Britney’s entire life was about to be dictated by people other than herself, against her will. The conservatorship enabled them to control who could and could not visit Britney and retained security guards for her twenty-four hours a day. They had the power to access her medical records and communicate with her doctors. They could take control of her house and even cancel her credit cards. They could make television deals and recordings for her and were able to be overly involved with her finances. In addition to the conservatorship, Spears had also lost the ability to see her two children, whom she shares with ex-husband Kevin Federline. A few weeks after the temporary conservatorship started, she was able to regain some visitation rights.  

On October 28, 2008, the conservatorship over Britney was made permanent. That was thirteen years ago. Thirteen. Since the conservatorship was placed over Britney, she has gone on to release albums, go on tour, and even held a Las Vegas Residency at the Las Vegas Planet Hollywood Resort and Casino. Britney claims that her father had her put on lithium against her will and forced her to keep an IUD in so that she would not have more children. Which leads us to this question: Why is she still under the conservatorship if she is able to work and perform to the absolute best of her ability? A conservatorship is for someone unable to make those decisions for themselves along with not being able to provide for themselves. Britney Spears has shown the entire world over and over again that she is able to function and run her own shows quite successfully.  

If you take a moment and look through Ms. Spears’ Instagram account, you will catch a glimpse of the real Britney. She is a breath of fresh air that is full of life and love, but held back by so many things out of her control. She’s a forty-year-old victim in a conservatorship that is no longer needed. Social media users have taken the internet by storm with the hashtags of #freebritney and you quite literally see it everywhere. There are millions of supporters that have followed her journey and are hoping their voices are heard as well as Britney’s to ensure her freedom.  

Additionally, Jaime Spears has been living off of Britney for the last 13 years. Ms. Spears says “Considering my family has lived off my conservatorship for 13 years, I won’t be surprised if one of them has something to say… I just don’t like feeling like I work for the people who I pay.” According to Forbes, Ms. Spears has paid her father a monthly salary, provided office space, and given him a cut of her celebrity. Jaime Spears was paid at least $5 million before taxes since 2008. Britney also has to pay the entirety of the legal fees for both herself and her conservators. Her father has also made money off of her residencies and tours, which you can read more about here.

More recently, there was a hearing where a twenty-four-minute statement against the conservatorship was aired. You can hear the audio here. Ms. Spears met virtually with Los Angeles probate judge Brenda Penny claiming she wants to sue her family and that she has been “abused” by a previous therapist, among other multiple accusations. 

Additionally, Samy Dwek has also shared an opinion on the matter:

WHOOPS, THEY DID IT AGAIN! FATHER’S CONSERVATORSHIP CONTINUES FOR BRITTANY SPEARS – AND IT SHOULDN’T

By Samy Dwek, Founder and CEO, The Family Office Doctor and White Knight Consulting

I would address something that’s been a major press story – the guardianship of Britney Spears.

In California, they use the word “conservator” – someone who looks after the affairs of a person, such as their finances, or after them as a person, their estate, their properties. In Florida, we use the word “guardianship” of the person or of the property.

For the last 10 years, Britney Spears’ father, Jamie Spears, has been her conservator, her guardian, overseeing both her finances and her personal property, her career, et cetera. Following some very public issues, the court ruled that Bessemer Trust can come in to look after her financial affairs. I think is a very sound decision, based on the father’s background. Bessemer probably has a lot better experience in managing money.

However, the father retains the power as a guardian of the person, looking after her estate and her personal affairs, her personal care, medication, et cetera, which remains a point of contention.

I have to agree with Brittany Spears that her father should be replaced. Let me be very clear that if I were to have someone look after me, I would prefer there to be a person who is impartial, not a family member who has potentially an axe to grind, especially when my bank account would have $60 million in it, and someone who is not trained in these matters.

As parents, we care for our kids, but it’s a very different thing to deal with when the child has some kind of mental trauma or health issues. At that point, I think bringing in a professional who is an expert guardian and does this for a living would probably make more sense.

And I think there’s a lot more to play out here because I believe that Brittany was not aware of the fact that she can cancel the guardianship. She could actually ask for an end to the conservatorship. I think that would be a bit of a drawn-out process that would involve psychiatrists and others to prove that she has the mental capacity to take control of her life. And that would be something that would need to be proven to these practitioners and then presented to the court.

Given the opportunity, I would push for the implementation of a professional guardian whilst these issues are ironed out. Not all parents are good parents, hence we have CPS. A trained professional under the supervision of the courts is a more prudent solution.  

LINK TO LEAKED HQ AUDIO 

LIGHTLY EDITED TRANSCRIPT FROM AUDIO:

SPEARS: I just got a new phone, and I have a lot to say, so bear with me. Basically, a lot has happened since two years ago, the last time – I wrote this all down – the last time I was in court.  

I will be honest with you. I haven’t been back to court in a long time, because I don’t think I was heard on any level when I came to court the last time. I brought four sheets of paper in my hands and wrote in length what I had been through the last four months before I came there. The people who did that to me should not be able to walk away so easily. I’ll recap. I was on tour in 2018. I was forced to do… My management said if I don’t do this tour, I will have to find an attorney –  

JUDGE: Ms. Spears, I hate to interrupt you, but my court reporter is taking down what you’re saying, so you have to speak a little more slowly.  

SPEARS: Oh, of course. Yes. Okay. The people who did this to me should not be able to walk away so easily. To recap: I was on tour in 2018. I was forced to do… My management said if I don’t do this tour, I will have to find an attorney, and by contract, my own management could sue me if I didn’t follow through with the tour. He handed me a sheet of paper as I got off stage in Vegas and said I had to sign it. It was very threatening and scary. And with the conservatorship, I couldn’t even get my own attorney. So out of fear, I went ahead, and I did the tour.  

When I came off that tour, a new show in Las Vegas was supposed to take place. I started rehearsing early, but it was hard because I’d been doing Vegas for four years and I needed a break in between. But no, I was told this is the timeline and this is how it’s going to go. I rehearsed four days a week. Half of the time in the studio and a half of the other time in a Westlake studio. I was basically directing most of the show. I actually did most of the choreography, meaning I taught my dancers my new choreography myself. I take everything I do very seriously. There’s tons of video with me at rehearsals. I wasn’t good – I was great. I led a room of sixteen dancers in rehearsal.  

It’s funny to hear my managers’ side of the story. They all said I wasn’t participating in rehearsals, and I never agreed to take my medication – which my medication is only taken in the mornings, never at rehearsal. They don’t see even see me. So why are they even claiming that? When I said no to one dance move into rehearsals, it was as if I planted a huge bomb somewhere. And I said no, I don’t want to do it this way.  

After that, my management, my dancers and my assistant of the new people that were supposed to do the new show all went into a room, shut the door and didn’t come out for at least forty-five minutes. Ma’am, I’m not here to be anyone’s slave. I can say no to a dance move. I was told by my at-the-time therapist, Dr. Benson – who died – that my manager called him and then that moment and told him I wasn’t cooperating or following the guidelines in rehearsals. And he also said I wasn’t taking my medication, which is so dumb, because I’ve had the same lady every morning for the past eight years give me my same medication. And I’m nowhere near these stupid people. It made no sense at all.  

There was a week period where they were nice to me, and I told them I don’t want to do the – they were nice to me, they said if I don’t want to do the new Vegas show, I don’t have to because I was getting really nervous. They said I could wait. It was like lifting literally two hundred pounds off of me when they said I don’t have to do the show anymore, because it was really really hard on myself, and it was too much. I couldn’t take it anymore. 

So, I remember telling my assistant, but y’know what I feel weird if I say no, I feel like they’re gonna come back and be mean to me or punish me or something. Three days later, after I said no to Vegas, my therapist sat me down in a room and said he had a million phone calls about how I was not cooperating in rehearsals, and I haven’t been taking my medication. All this was false. He immediately, the next day, put me on lithium out of nowhere. He took me off my normal meds I’ve been on for five years. And lithium is a very, very strong and completely different medication compared to what I was used to. You can go mentally impaired if you take too much, if you stay on it longer than five months. But he put me on that, and I felt drunk. I really couldn’t even take up for myself. I couldn’t even have a conversation with my mom or dad really about anything. I told him I was scared, and my doctor had me on six different nurses with this new medication, come to my home, stay with me to monitor me on this new medication, which I never wanted to be on to begin with. There were six different nurses in my home, and they wouldn’t let me get in my car to go anywhere for a month. 

Not only did my family not do a goddamn thing, my dad was all for it. Anything that happened to me had to be approved by my dad. And my dad acted like he didn’t know that I was told I had to be tested over the Christmas holidays before they sent me away, when my kids went home to Louisiana. He was the one who approved all of it. My whole family did nothing. 

Over the two-week holiday, a lady came into my home for four hours a day, sat me down and did a psych test on me. It took forever. But I was told I had to. Then after, I got a phone call from my dad, basically saying I’d failed the test or whatever, whatever. “I’m sorry, Britney, you have to listen to your doctors. They’re planning to send you to a small home in Beverly Hills to do a small rehab program that we’re going to make up for you. You’re going to pay $60,000 a month for this.” I cried on the phone for an hour, and he loved every minute of it.  

The control he had over someone as powerful as me – he loved the control to hurt his own daughter 100,000%. He loved it. I packed my bags and went to that place. I worked seven days a week, no days off, which in California, the only similar thing to this is called sex trafficking. Making anyone work against their will, taking all f their possessions away – credit card, cash, phone, passport – and placing them in a home where they work with the people who live with them. They all lived in the house with me, the nurses, the 24-7 security. There was one chef that came there and cooked for me daily during the weekdays. They watched me change every day – naked – morning, noon and night. My body – I had no privacy door for my room. I have eight vials of blook a week.  

If I didn’t do any of my meetings and work from eight to six at night, which is ten hours a day, seven days a week, no days off, I wouldn’t be able to see my kids or my boyfriend. I never had a say in my schedule. They always told me I had to do this. And Ma’am, I will tell you, sitting in a chair for ten hours a day, seven days a week, it ain’t fun… and especially when you can’t walk out the front door.  

And that’s why I’m telling you this again two years later, after I’ve lied and told the whole world” I’m okay and I’m happy.” It’s a lie. I thought I just maybe if I said enough maybe I might become happy, because I’ve been in denial. I’ve been in shock. I am traumatized. You know, fake it till you make it. But now I’m telling you the truth, okay? I’m not happy. I can’t sleep. I’m so angry it’s insane. And I’m depressed. I cry every day.  

And the reason I’m telling you this is because I don’t think how the state of California can have all this written in the court documents from the time I showed up and do absolutely nothing — just hire, with my money, another person and keep my dad on board. Ma’am, my dad and anyone involved in this conservatorship and my management who played a huge role in punishing me when I said no — ma’am, they should be in jail. Their cruel tactics working for Miley Cyrus as she smokes on joints onstage at the VMAs — nothing is ever done to this generation for doing wrong things. 

But my precious body, who has worked for my dad for the past fucking 13 years, trying to be so good and pretty. So perfect. When he works me so hard. When I do everything, I’m told and the state of California allowed my father — ignorant father — to take his own daughter, who only has a role with me if I work with him, they’ve set back the whole course and allowed him to do that to me. That’s given these people I’ve worked for way too much control. They also threaten me and said, If I don’t go, then I have to go to court. And it will be more embarrassing to me if the judge publicly makes the evidence we have. 

You have to go. I was advised for my image; I need to go ahead and just go and get it over with. They said that to me. I don’t even drink alcohol — I should drink alcohol, considering what they put my heart through. Also, the Bridges facility they sent me to, none of the kids — I was doing this program for four months, so the last two months I went to a Bridges facility. None of the kids there did the program. They never showed up for any of them. You didn’t have to do anything if you didn’t want to. How come they always made me go? How come I was always threatened by my dad and anybody that participated in this conservatorship? If I don’t do this, what they tell me to enslave me to do, they’re gonna punish me. 

The last time I spoke to you by just keeping the conservatorship going, and also keeping my dad in the loop, made me feel like I was dead — like I didn’t matter, like nothing had been done to me, like you thought I was lying or something. I’m telling you again, because I’m not lying. I want to feel heard. And I’m telling you this again, so maybe you can understand the depth and the degree and the damage that they did to me back then. 

I want changes, and I want changes going forward. I deserve changes. I was told I have to sit down and be evaluated, again, if I want to end the conservatorship. Ma’am, I didn’t know I could petition the conservatorship to end it. I’m sorry for my ignorance, but I honestly didn’t know that. But honestly, but I don’t think I owe anyone to be evaluated. I’ve done more than enough. I don’t feel like I should even be in room with anyone to offend me by trying to question my capacity of intelligence, whether I need to be in this stupid conservatorship or not. I’ve done more than enough. 

I don’t owe these people anything — especially me, the one that has roofed and fed tons of people on tour on the road. It’s embarrassing and demoralizing what I’ve been through. And that’s the main reason I’ve never said it openly. And mainly, I didn’t want to say it openly, because I honestly don’t think anyone would believe me. To be honest with you, the Paris Hilton story on what they did to her to that that school, I didn’t believe any of it. I’m sorry. I’m an outsider, and I’ll just be honest. I didn’t believe it. 

And maybe I’m wrong, and that’s why I didn’t want to say any of this to anybody, to the public, because I thought people would make fun of me or laugh at me and say, “She’s lying, she’s got everything, she’s Britney Spears.” 

I’m not lying. I just want my life back. And it’s been 13 years. And it’s enough. It’s been a long time since I’ve owned my money. And it’s my wish and my dream for all of this to end without being tested. Again, it makes no sense whatsoever for the State of California to sit back and literally watch me with their own two eyes, make a living for so many people, and pay so many people, trucks and buses on the road with me and be told, I’m not good enough. But I’m great at what I do. And I allow these people to control what I do, ma’am. And it’s enough. It makes no sense at all. 

Now, going forward, I’m not willing to meet or see anyone. I’ve met with enough people against my will. I’m done. All I want is to own my money, for this to end, and my boyfriend to drive me in his fucking car. 

And I would honestly like to sue my family, to be totally honest with you. I also would like to be able to share my story with the world, and what they did to me, instead of it being a hush-hush secret to benefit all of them. I want to be able to be heard on what they did to me by making me keep this in for so long, it is not good for my heart. I’ve been so angry, and I cry every day. It concerns me, I’m told I’m not allowed to expose the people who did this to me. 

For my sanity, I need you to the judge to approve me to do an interview where I can be heard on what they did to me. And actually, I have the right to use my voice and take up for myself. My attorney says I can’t. It’s not good. I can’t let the public know anything they did to me and by not saying anything, is saying it’s OK. 

It’s not OK. Actually, I don’t want an interview — I’d much rather just have an open call to you for the press to hear, which I didn’t know today we’re doing, so thank you. Instead of having an interview, honestly, I need that to get it off my heart, the anger and all of it that’s been happening. 

It’s not fair they’re telling me lies about me openly. Even my family, they do interviews to anyone they want on news stations. My own family doing interviews and talking about the situation and making me feel so stupid. And I can’t say one thing. And my own people say I can’t say anything. 

It’s been two years. I want a recorded call to you actually, we’re doing this now — which I didn’t know that we’re doing this. My lawyer, Sam (Ingham), has been very scared for me to go forward because he’s saying if I speak up, I’m being overworked in that facility of that rehab place, that rehab place will sue me. He told me I should keep it to myself. I would personally like to — actually, I’ve grown with a personal relationship with Sam, my lawyer, I’ve been talking to him like three times a week now, we’ve kind of built a relationship but I haven’t really had the opportunity by my own self to actually handpick my own lawyer by myself. And I would like to be able to do that. 

The main reason why I’m here is because I want to end the conservatorship without having to be evaluated. I’ve done a lot of research, ma’am. And there’s a lot of judges who do end conservatorships for people without them having to be evaluated all the time. The only times they don’t is if a concerned family member says something’s wrong with this person. 

And considering my family has lived off my conservatorship for 13 years, I won’t be surprised if one of them has something to say going forward, and say, “We don’t think this should end, we have to help her.” Especially if I get my fair turn exposing what they did to me. 

Also, I want to speak to you about my obligations, which, I personally don’t think at the very moment I owe anybody anything. I have three meetings a week I have to attend no matter what. I just don’t like feeling like I work for the people whom I pay. I don’t like being told I have to, no matter what, even if I’m sick. Jodi, the conservator, says I have to see my Coach Ken even when I’m sick. I would like to do one meeting a week with a therapist. I’ve never before, even before they sent me to that place, had two therapy sessions. I had a doctor and then a therapy person. What I’ve been forced to do illegal in my life. I shouldn’t be told I have to be available three times a week to these people I don’t know. 

I’m talking to you today because I feel again, yes, even Jodi is starting to kind of take it too far with me. They have me going to therapy twice a week and a psychiatrist. I’ve never in the past – wait, they had me going, yeah, twice a week and Dr. Gold, so that’s three times a week. I’ve never in the past had to see a therapist more than once a week. It takes too much out of me going to this man I don’t know. 

Number one, I’m scared of people. I don’t trust people with what I’ve been through. And the clever setup of being in Westlake, one of the most exposed places in Westlake, which, yesterday, paparazzi showed me coming out of the place literally crying in therapy. It’s embarrassing, and it’s demoralizing. I deserve privacy when I go and have therapy, either at my home, like I’ve done for eight years. They’ve always come to my home. Or when Dr. Benson — the man that died — I went to a place similar to what I went to in Westlake which was very exposed and really bad. Okay, so where was I? It was like, it was identical to Dr. Benson, who illegally, yes 100% abused me by the treatment he gave me, to be totally honest with you, I was so — 

JUDGE: Ms. Spears, excuse me for interrupting you, but my reporter says if you could just slow it down a little bit, because she’s trying to make sure she gets everything that you’re saying. 

SPEARS: OK, cool… And to be totally honest with you, when [Dr. Benson] passed away, I got on my knees and thanked God. In other words, my team is pushing it with me again. I have trapped phobias being in small rooms because of the trauma, locking me up for four months in that place. It’s not okay for them to send me — sorry, I’m going fast — to that small room like that twice a week with another new therapist that I pay that I never even approved. I don’t like it. I don’t want to do that. And I haven’t done anything wrong to deserve this treatment. 

It’s not okay to force me to do anything I don’t want to do. By law, Jodi and this so-called team should honestly – I should be able to sue them for threatening me and saying if I don’t go and do these meetings twice a week, we can’t let you have your money and go to Maui on your vacations. You have to do what you’re told for this program and then you will be able to go. But it was a very clever thing, one of the most exposed places in Westlake, knowing I have the hot topic of the conservatorship, that over five paparazzies are going to show up and get me crying coming out of that place. I begged them to make sure that they did this at my home, so I would have privacy. I deserve privacy. 

The conservatorship, from the beginning, once you see someone, whoever it is, in the conservatorship making money, making them money, and myself money and working – that whole statement right there, the conservatorship should end. I shouldn’t be in a conservatorship if I can work and provide money and work for myself and pay other people — it makes no sense. The laws need to change. What state allows people to own another person’s money and account and threaten them and saying, “You can’t spend your money unless you do what we want you to do.” And I’m paying them. 

Ma’am, I’ve worked since I was 17 years old. You have to understand how thin that is for me every morning I get up to know I can’t go somewhere unless I meet people, I don’t know every week in an office identical to the one where the therapist was very abusive to me. I truly believe this conservatorship is abusive, and that we can sit here all day and say oh, conservatorships are here to help people. But ma’am, there is a thousand conservatorships that are abusive as well. 

I don’t feel like I can live a full life. I don’t owe them to go see a man I don’t know and share him my problems. I don’t even believe in therapy. I always think you take it to God. I want to end the conservatorship without being evaluated. In the meantime, I want this therapist once a week. I just want him to come to my home. I’m not willing to go to Westlake and be embarrassed by all these scummy paparazzi laughing at my face while I’m crying, coming out and taking my pictures as all these white nice dinners, where people drinking wine at restaurants, watching these places. They set me up by sending me to the most exposed places, and I told them I didn’t want to go there because I knew paparazzi would show up there.

They only gave me two options for therapists. And I’m not sure how you make your decisions, ma’am. But this is the only chance for me to talk to you for a while. I need your help, so if you can just kind of let me know where your head is. I don’t really honestly know what to say but my requests are just to end the conservatorship without being evaluated. I want to petition basically to end the conservatorship. But I don’t want to be evaluated and be sat in a room with people four hours a day, like they did me before. And they made it even worse for me after that happened. 

I’m honestly new with this. And I’m doing research on all these things. I do know common sense and the method that things can end – for people, it has ended without them being evaluated. So, I just want you to take that in consideration. 

It also took a year, during COVID, to get me any self-care methods. She said there were no services available. She’s lying, ma’am. My mom went to the spot twice in Louisiana during COVID. For a year, I didn’t have my nails done — no hairstyling and no massages, no acupuncture. Nothing for a year. I saw the maids in my home each week with their nails done different each time. She made me feel like my dad does. Very similar, her behavior and my dad, but just a different dynamic. 

The team wants me to work and stay home instead of having longer vacations. They are used to me sort of doing a weekly routine for them. And I’m over it. I don’t feel like I owe them anything at this point. They need to be reminded they actually work for me. 

I was supposed to be able to — I have a friend that I used to do AA meetings with. I did AA for two years. I did three meetings a week. I’ve met a bunch of women there. And I’m not able to see my friends that live eight minutes away from me, which I find extremely strange. 

I feel like they’re making me feel like I live in a rehab program. This is my home. I’d like for my boyfriend to be able to drive me in his car. And I want to meet with a therapist once a week, not twice a week. And I want him to come to my home. Because I actually know I do need a little therapy. (Laughing.) 

I would like to progressively move forward, and I want to have the real deal, I want to be able to get married and have a baby. I was told right now in the conservatorship, I’m not able to get married or have a baby, I have a (IUD) inside of myself right now, so I don’t get pregnant. I wanted to take the (IUD) out so I could start trying to have another baby. But this so-called team won’t let me go to the doctor to take it out because they don’t want me to have children – any more children. So basically, this conservatorship is doing me waaay more harm than good. 

I deserve to have a life. I’ve worked my whole life. I deserve to have a two-to-three-year break and just, you know, do what I want to do. But I do feel like there is a crutch here. And I feel open and I’m okay to talk to you today about it. But I wish I could stay with you on the phone forever, because when I get off the phone with you, all of a sudden all I hear all these no’s — no, no, no. And then all of a sudden, I get I feel ganged up on and I feel bullied, and I feel left out and alone. And I’m tired of feeling alone. I deserve to have the same rights as anybody does, by having a child, a family, any of those things, and more so. 

And that’s all I wanted to say to you. And thank you so much for letting me speak to you today. 

JUDGE: Ms. Spears, you’re quite welcome. And also, I just want to tell you that I certainly am sensitive to everything that you said and how you’re feeling, and I know that it took a lot of courage for you to say everything you have to say today, and I want to let you know that the court does appreciate your coming on the line and sharing how you’re feeling. 

For Women Under Conservatorship, Forced Birth Control Is Routine

In June, Britney Spears spoke publicly for the first time about her conservatorship. She told a Los Angeles judge she has been forced to perform, forced to take medication she did not want, and, perhaps most shocking to the general public, forced to use contraception. Last night, Spears reiterated many of the claims she made in June, adding that in addition to major abuses like being forced into a residential psychiatric facility, she was subjected to a number of petty ones.

Journalist Sara Luterman, who focuses on disability politics, reports that a lot of people were shocked by the allegations that Britney Spears is being forced to wear an IUD. After looking into how common the practice is for other people under guardianship, she’s not going to lie: It’s bleak.

For Women Under Conservatorship, Forced Birth Control Is Routine

No one with knowledge of conservatorship Luterman interviewed was surprised by any of Spears’s allegations, including the ones around reproductive choice. Advocates say forced birth control and sterilization are still routine in the United States for women under conservatorship. Tom Stenson—the deputy legal director of Disability Rights Oregon, a federally funded protection agency—said he has never seen a case involving a man’s family seeking birth control or sterilization of a son. “I’m sure somewhere out there, there’s somebody trying to get their son or brother with a disability sterilized. But I’ve had a number of these cases arise, and they are, in my experience and so far, all women.”

Read the full article here

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Four Retirement Risks that Could Undermind Your Planning

Few things feel better than to finally arrive at retirement confident about all the planning and saving you did to cause it to happen. It was decades in the making, but now it’s here, and you have years left of life to enjoy without having to worry about work. Unfortunately, you may not be out of the financial woods yet. A number of risks to your retirement strategy can still lurk even as you appear to have safely arrived at your post-work destination. Some of the most common ones include:

A Significant Market Drop Shortly Before or Early In Your Retirement

We all know that what the market gives, the market can take away. But a sudden market drop right when you are reaching retirement can be especially devastating. You have less time to make a comeback, especially when you are starting to withdraw from those accounts at the same time the market is giving you fits. Think of it this way. If you have $1 million, and take a 10 percent loss, that’s a $100,000 drop, taking you to $900,000. Now let’s say the market rebounds 10 percent. That means you recover only $90,000 of the $100,000. And if you had withdrawn some of the money to live on, you will recover even less. One way to at least partially avert this risk is to begin moving some of your portfolio into more conservative investments as you near retirement age. When you were relatively young and in the accumulation phase of investing, you could afford to take some risks. But now your investment strategy needs to focus more on keeping what you have.

Inflation that Reduces Your Spending Power over Time

 Even when it seems like you have enough money in retirement, it’s possible you don’t if you’ve failed to factor in for inflation. Let’s take a look at that $1 million again and say that each year you plan to withdraw 4 percent, or $40,000, for living expenses. That $40,000 won’t have the same spending power in year 10 of retirement as it did in year one. That’s why it’s important to account for inflation as you are creating your financial plan and trying to determine how much money you need for retirement.

Unexpected Medical and/or Long-Term Care Expenses

 As you age, health problems can emerge that could quickly drain your money as you pay for hospitalizations, expensive prescriptions, and numerous visits to specialists. At some point, you could require long-term care, which comes with a staggering price tag. The average cost of a semi-private room in a nursing home is $7,756 a month, according to the Genworth annual cost of care survey. Genworth also reports that seven out of 10 people will require long-term care in their lifetimes. One option for planning for this is to purchase long-term care insurance, but there are other routes to explore as well.

Outliving your Assets

 People are living longer than ever, which is great, but longevity increases the odds that you could outlive your money. If you are calculating that you just need enough money for a 10 or 20-year retirement, you could be in for a surprise. For example, more than one in three 65-year-old women will live to be 90. For 65-year-old men, it’s more than one in five. Of course, many will live beyond 90. It’s best to expect a long life and plan your finances accordingly.

Conclusion

While all of these factors pose a significant risk to your retirement, a financial professional should be able to help you create a plan that will reduce some of your exposure. Retirement should be a time of enjoyment, not a time to fret over every dollar and how tomorrow could bring unpleasant surprises.

elderly illustration by 360 Magazine

How Do You Know That You’re Ready For Retirement?

It’s Not Just The Finances.

An intriguing find once emerged from a RAND Corp. survey on Americans and their working conditions. It turned out that 40 percent of employees that are age 65 and older had previously retired, but something lured them back to the working world.

In some cases, financial troubles might have been the cause. But often the reason is that people neglect an important component in their retirement planning. They don’t think about what they will do with their extra time, or how they will give their life the meaning and purpose that work had provided, says Patti Hart, co-author with her husband, Milledge, of The Resolutionist: Welcome to the Anti-Retirement Movement.

“Money is certainly important, but it’s not the only thing that determines whether your retirement is a success,” she says. “It may be that you are financially ready to retire, but are a long way from being emotionally ready.”

The Harts offer tips for figuring out when to retire and for making sure you’re successful when you do:

  • Know your catalysts. Identify milestones or signs that will let you know you are ready to embark on a new post-work life, Milledge Hart says. Yes, that could be when you’ve accumulated a certain amount of savings. But it might also be related to when your spouse quits their job, or when your children graduate college and head out on their own. Maybe your plan is to work until your health gives out. “Knowing your catalysts can mean the difference between successfully transitioning to a fulfilled life after your career is over, or boomeranging back to the full-time workforce simply because you didn’t know why you quit to begin with,” he says.
  • Plan ahead to avoid separation anxiety from work. For many people, moving from the excitement and fulfillment of a career to the quietness of retirement is too much, Patti Hart says. They develop a form of “separation anxiety,” longing for their old way of life rather than venturing boldly into the new one. “You need to make a plan for what you want to do in your new post-career life so you aren’t floundering when you get there,” she says.
  • Get comfortable with the uncomfortable. At work, people are thrown into uncomfortable situations and have no choice but to face them head on. In retirement, it’s easier to avoid discomfort, but doing so diminishes your confidence, and you miss out on opportunities for personal growth and fun, Milledge Hart says. “It would seem counterintuitive to think that being uncomfortable brings happiness, but it does,” he says. “Go at life as if it’s an adventure – because it is. When you accomplish something you didn’t think you could, you get a jolt of endorphins that drives you to your next challenge.”
  • Learn to be your own best friend. Even when people want to try a new hobby or activity, they sometimes are afraid to do it alone. “In retirement, you might not have the social network you once did,” Patti Hart says. “You may long for a good friend you can rely on.” But if you think about it, she says, you already have that friend–yourself. So as you prepare for retirement, be ready to go solo on occasion. “When you get to this stage, you will often find that some things on your list are on your list alone,” she says. “No one in your universe shares your interest or has the time to join you. That’s all right. If you are going to continue to grow, you need to sometimes feel like you did something completely on your own.”

“Don’t convince yourself that in retirement you are going to be destined to a life of watching evening game shows and baking pies, unless of course that is what you love to do,” Milledge Hart says. “My advice is nothing is off limits, so reach for the stars. Look forward rather than backward, and embrace the new you.”

About Patti and Milledge Hart

Patti and Milledge Hart, co-authors of The Resolutionist: Welcome to the Anti-Retirement Movement have spent more than 30 years as executive leaders in numerous technology and investment banking businesses. Today, in what they refer to as the “Resolutionist,” rather than retirement, phase of their lives, they are applying their resources and skills in new ways to advance philanthropic and corporate activities around the globe.

Money & Relationship illustration by Heather Skovlund for 360 Magazine

Money Issues × Relationships

Are Money Issues Ruining Your Relationship?

Read on for 5 tips to resolve them.

The COVID-19 pandemic has played havoc with families’ finances through lost jobs, squeezed budgets, increased debt, and missed payments.

Money and the decisions spouses make with it are one of the main sources of stress among couples, and sometimes money issues end relationships or cause divorce. But differences can be solved or managed if couples learn to listen to each other and work as a team to formulate a sensible plan, says financial planner Aaron Leak, the founder of ECL Private Wealth Management. 

“No matter how long you have been together, financial issues can wreak havoc on a committed relationship,” Leak says. “When couples don’t agree about spending and saving habits, it causes arguments and resentment.

“But understanding what you’re fighting about and why helps you and your partner come up with solutions. By being transparent and honest with each other about your finances, you can not only prevent arguments that strain your relationship, but you will strengthen it.”

Leak offers these tips for couples to address and resolve financial issues:

  • Understand your money styles. Think of some extreme examples of money styles in your circle. Like your friend, the foodie, who won’t touch a bottle of wine that costs less than $75. Or your sister who constantly surfs Amazon. Or your mom who washes aluminum foil, then folds and reuses it. Everyone has a money style, and it’s helpful to talk about it without any name-calling or labeling involved. Understanding your partner’s spending habits often involves a deep dive into money fears, scarcity memories and childhood traumas. Come up with a spending plan that works for both of you.
  • Decide how to divvy up the bills and save for future goals. You can both put all your earnings in a joint account and pay everything out of that. Or you can split bills down the middle and keep the rest of your own earnings for yourselves. Once you have decided how the bills get paid, you need to devise a plan for saving for your long-term goals. Remember that you need to work closely together as life changes arise – such as one of you losing a job or cutting back on hours to care for a parent. If 2020 has taught us anything, it’s that contingency plans are always advisable.
  • Create personal spending allowances that stay personal. Having some personal money that’s designated just for you each month can really help how you feel about your relationship. It can also help avoid relationship-ruining behavior like “financial infidelity,” when one spouse hides money or purchases from the other. The personal spending allowance gives each partner the chance to spend their money however they wish, no questions asked.
  • Face and eliminate undesirable debt. Couples should employ a strategy to pay off debt, such as paying off the higher-interest debt first or paying off the smallest loans first (the snowball method). Payments on credit cards, car loans, and student loans can devour monthly budgets, so the sooner they are paid off, the better.
  • Set a budget you can live with. One of the best ways to keep in sync with your partner financially is to have a budget as part of your overall plan. The budget includes your household bills, your personal spending allowance, your debt-paying strategy, and your monthly budget for long-term goals like retirement.

“Relationships take consistent work in order to be happy and successful, and money management is a big part of it,” Leak says. “The best way to be sure you and your spouse are staying on the same page financially is to talk honestly and without judgment.”

About Aaron Leak

Aaron Leak has 16 years of experience in the financial industry and is the founder of ECL Private Wealth Management. He holds Series 7, 6, 63 and 66 licenses as well as life, health, and property and casualty insurance licenses.

Money illustration by 360 Magazine

How to Leverage Your Assets to Live the Life of Your Dreams

When you are growing up, your world is filled with wonder, great times with friends and time for fun and play. It’s also when your soul’s dreams start to emerge and we begin to imagine what we might be in the future. Then, when we reach adult age we are suddenly thrust into a world where the dream goes dormant and we find ourselves working full-time just to make the money we need to survive. Sadly, that’s the way we are expected to live until retirement. 

Society has us penciled in to work endlessly to make money for others for 40 plus years of our life. We typically follow the script without thought until one day we start to wonder is this all there is? With those words our true awakening has begun. The veil of what you were taught you should be is lifted and your soul and spirit come back out to play. It’s finally time to reconnect with your hopes and desires.

Stepping into the Life of Your Dreams

The world calls this awakening a crisis, giving it a pejorative label so it can be dismissed. This moment, though, is a pivotal part of your journey. You are leaving what you were programmed to do and instead choosing your own path. Old dreams begin to re-emerge and new hopes often arise. 

It’s time for you to live a life you truly love. When you reach this moment, you should let all the dreams out to dance. If you love travel, begin to imagine how you might see the world and get to live in different countries. If you have a passion or hobby that truly calls to you, do some journaling and come up with creative ideas to pursue that. You have the power to manifest your soul’s desires. 

Leveraging Your Assets to Live Your Dream

If you are ready to pursue your new path, it’s helpful to have the money and financial freedom to do what you want. One of the ways you can help fund your dreams is to consider selling your life insurance policy. It’s possible to tap into the value of your policy and get a life settlement that would generate the cash you need to live beautifully. 

This is an especially good option if you are further along in age. With a life settlement you basically sell your policy for cash and the investor then receives the death benefit at a future date. If you go online you can find out if you are eligible and determine what your maximum cash value would be. It’s important to do your research so you fully understand your options and know the pros and cons of your choice.

Consider Downsizing and Moving to the Country

One of the ways society keeps your nose to the grindstone is to encourage you to spend more than you make. We are taught that we should have a big house, filled with the best of everything. In reality, you don’t need any of that to be happy. If you wake up every day and get to live the life you love, you will quickly come to understand that much of what we buy barely matters. 

In order to have the freedom to pursue your dreams, you may want to downsize so you can dramatically reduce your monthly expenses. If you own a home in a city, you could sell that and pocket the equity. Then you can look for a smaller place in a rural area that costs far less. You’ll find that when you lower your monthly expenses and have some cash from the sale of your home, you won’t need to work full-time to make ends meet. You’ll then have the time to follow your soul’s path and live the life of your dreams.

remote learning illustration by Kaelen Felix

What social media tools can do for your business?

Are you sick of being stuck with no growth on social media? Are you new to social media and looking to grow your business using it? 

Traditional marketing is long dead and far gone–TV advertising, newspaper ads, and road-side billboards are all outdated. Social media has now replaced all of that by making online marketing the norm when it comes to brand promotion. Currently, there are three different platforms that are dominating the social media space–Twitter, Instagram, and TikTok–and they all have their own unique qualities to offer each individual or business. 

If you are thinking about using social media to get your business up off the ground, here are a few tools that you might need to become even more successful.

Why should you use social media? 

Social media, while having been around for a long time in its various different forms, has become the most popular it has even been in the past 10 years or so. This is due the fact that so many more people now have access to mobile devices and Wi-Fi connection. This means that by marketing your brand on social media, your business has the potential to reach millions upon millions of people, if marketed in a desirable manner. Not only will you be able to reach a larger audience, but this audience can be international as well. 

Traditional marketing can tend to be quite pricy. However, social media marketing–unless you’re putting in a bit of extra cash to help you–can literally be completely free. Most social media sites require no sign-up or membership fee, and are completely free platforms. 

On social media it is easy to create brand awareness by following trends and seeing what other people are looking for, which will eventually contribute to the organic growth of your accounts and brand. One of the best benefits of social media marketing is that it can increase traffic to your website, which will ultimately put more money in your pocket. 

Which one is right for you?

There is a relatively large variety of social media platforms, although it is recommended to stick to the most popular ones. Having so many options doesn’t need to overwhelm you though, it’s all about knowing your target demographic and style. All social media platforms are unique and can have different, individual focuses dependent on your particular brand.

This mean that between platforms, the target demographic and and style of communication are completely different. For instance, Instagram is a place where the millennials hang out. Everyone has their own aesthetically pleasing feed to look at and every post is designed down to the very last detail, whereas TikTok is far more laid back and dominated by Gen Z kids. These short form videos can literally be anything you think of. Most of TikTok is not nearly as aesthetically pleasing as Instagram, but it is more authentic and fun. 

All the different platforms require different kinds of interaction from both the brand owner and the followers, from commenting and liking, to following, and even direct messaging. With Instagram having over 900 million users, Twitter, with an average of 152 million, and TikTok reaching an insane number of just over 1 billion users, these platforms are the best social media option for business and brands to promote themselves as they are all relevant and very popular. 

Twesocial 

One of the most important things when it comes to twitter marketing, is expanding the amount of people your marketing reaches. This can be difficult because the number of brands making use of Twitter tools to promote their businesses is rising dramatically, and those who began earlier probably have an advantage. Twesocial is an organic Twitter marketing service that was launched in 2016 to help users grow their account with real Twitter followers, without too much effort and time wasted. 

Twesocial will manage practically every aspect of your account from posting and posting times, hashtags, user interaction, and growing your follower base. Using a service like Twesocial can be very helpful when it comes to trying to get your brand account off the ground because initially it can be hard to be noticed in a sea of other content creators. Twesocial takes away all the hard work, only leaving you with the task of creating your own content. 

Task Ant

Instagram hashtags are such a prominent tool that should be used when social media marketing however, most people don’t really know how to use them correctly or which ones to use. Task Ant, launched in 2019, is a hashtag app that allows you to find the best hashtag for your content, as well as provide solutions to previous hashtag mistakes. 

Making use of an app like this can enable growth for your business by increasing your content’s engagement and reach. There are two different price options: the solo package for those looking to get started, and the growth package to maximize hashtag use. There is something for everybody.  

TokUpgrade

TikTok has quickly become one of the most popular social media platforms around, which also means that it might be a bit more difficult to get your content noticed. Much like Twesocial, TokUpgrade, launched in 2020, claims to increase profile views and visits through organic engagement. They can increase your engagement and target your audience to get real TikTok followers through a series of specific questions, as well as engage with your followers to keep them interested. 

Tok upgrade also comes with two different packages, the regular and the pro, which can either be paid weekly or monthly. It is important to note that this service is a little more costly than the others, but is definitely worth it in the long run as the potential for your brand’s growth is endless.

Kaelen Felix illustrates truck article for 360 Magazine

How to Buy a Truck You’ll Cherish for Years

If you’re ready to finally pull the trigger and buy a new truck, it can be difficult to know where to start. On the one hand, buying a new vehicle is always exciting. However, you also need to be conscious of your budget and long-term satisfaction with the vehicle. 

Buying a new car is a big investment. Don’t rush your decision and end up making a mistake you’ll regret for years to come. We want to help.

Keep reading for our top tips on how to buy a truck you’ll love now and in the future. 

Figure Out Your Finances

One of the most important things to do before making a big investment is to take an objective look at your finances. How much can you afford to make on monthly truck payments?

Your budget needs to include other costs associated with buying a new truck. For example:

  • Sales tax
  • Auto insurance
  • Registration fees
  • Fuel costs
  • Regular maintenance and repairs

We also recommend getting pre-approved for an auto loan to make sure you’re eligible for the price range you’re shopping under. If your pre-approval comes up short, you may want to spend a few months improving your credit score.

Save for a Down Payment

One of the best ways to get approved for a larger loan with lower interest rates is by putting money down on your new truck. This is one of the most important steps of learning how to buy a truck the right way. The difference of a single percentile on your interest can account for thousands of dollars over the life of the loan.

Determine the Type of Truck You Want

When buying a new truck, you also need to take a little time to figure out what types of trucks are best for your lifestyle. For example, if you’re planning on using the truck as your primary means of transportation to and from work in the city, you’ll want something with excellent fuel efficiency. 

Alternatively, if you’re planning on using the truck for outdoor recreation activities like hunting, fishing, hiking, and camping, you’ll want something a little more rugged. You will undoubtedly need a four-wheel-drive vehicle. 

Finally, consider hauling and towing capacities. Will the truck be towing a camper, boat, or trailer?

Decide What Features Are Important to You

Learning how to buy a truck that’s perfect for you means prioritizing your wants and needs. For example, do you want all the bells and whistles of high-end luxury models? These include things like smart entertainment systems, top-notch speakers, heated and cooled seats, advanced driver features, and more.

These models are more expensive but provide much more comfort, luxury, and convenience. 

Do Your Homework

Before buying a new truck, it’s vital to do a little digging. Lookup vehicle ratings and reviews.

Look at professional safety ratings from certified organizations. However, you should also see what other drivers have to say about the vehicle. Find customer reviews and testimonials from people who have the same truck you’re considering buying. 

For reference, check out this review on the Chevy Silverado.

Decide if You Want to Buy New or Used

Another important step in the truck buying guide is deciding if you want to buy a new or used pickup. There are pros and cons to both sides of the argument. 

New

Buying a brand new pickup means you’re getting a vehicle with no previous owners. It also comes with manufacturer warranties that will last up to 60,000 miles or five years. However, brand new trucks are much more expensive and can lose as much as 30% of their value in the first year.

Used

Alternatively, buying a used truck most likely means forgoing any warranties. Additionally, you’ll need to make sure you’re buying from a credible seller to avoid buying a truck with pre-existing issues. However, buying used may save you thousands of dollars and grant you access to high-end models you may not have been able to afford new.

Certified Pre-Owned

Finally, there’s a happy medium between the two options. CPOs are slightly used vehicles that have been refurbished to like-new condition. They’re more expensive than traditional used vehicles but are given new warranties. 

Get the Vehicle History Report

Learning how to buy a truck used means getting your hands on the vehicle history report. This is especially important when buying from a private seller. The vehicle history report records vital information about the truck’s past, such as:

  • Number of previous owners
  • Locations of registration
  • Accident/repair history
  • Maintenance history
  • Factory recalls
  • Commercial history (used in a commercial fleet for rent or lease)

Technology has made tracking a vehicle’s history easier than ever. As such, it’s now virtually risk-free to buy a vehicle with s solid history report.

Take the Truck on a Test Drive

Last but not least, when buying a new truck, make sure you test drive it before you make any final decisions. For all you know, you may not even enjoy driving the model you’ve picked out. Make sure the truck feels intuitive, responsive, and easy to handle. 

Depending on the type of truck and what you’ll be using it for, you may want one that produces minimal engine noise and road noise. If the vehicle is used, make sure all the instrument panels, driver features, entertainment equipment, and other electronics work properly. 

Regardless of the temperature outside, ensure both the heating and the air conditioning work, as well. Have someone stand outside and check the brake lights, headlights, brights, turn signals, etc.

If you feel it necessary, consider taking the truck to a trusted mechanic for a full inspection. 

Looking for More Tips on How to Buy a Truck?

We hope our list helps you find the best pickup truck you’ll cherish for years to come. And remember, if you can’t afford the truck you want now, save up for a few months to make your dream a reality. Patience pays off. 

And if you’re looking for more tips on how to buy a truck and other auto-related news, be sure to check out some of our other articles before you go. We have an entire section dedicated to the auto industry for people just like you.