Magzine DesignV17pdf

Co-founder’s “ A penny here, and a dollar“
noteS JULY there, placed at interest,
goes on accumulating,
Anita R Johnson and in this way the
desired result is attained.
Financial Psychologist It requires some training,
perhaps, to accomplish
this economy, but when
once used to it, you
will find there is more
satisfaction in rational
saving than in irrational
spending.

P. T. Barnum

approaching finances
holistically

A pproaching your finances from the holistic side of the
equation is not quite the norm. What is the Holistic Side
anyway? It is the Mindset you take towards money. It is how
you relate to money. Begin using the words Financial Spending Plan
instead of a budget. It is about improving your money mindset. The
Holistic Approach to money has only been around less than thirty
years. Many people have embraced others have not. For those who
are not are still struggling with the traditional approach to money.

The Traditional Approach to finance is not correct or wrong it’s just
the old way of approaching money. There are still spreadsheets,
budgets, applications and/or other financial gathering data
techniques. Yet millions of people still have no understanding
of their financial spreadsheets and/or budgets. There is a big
Why there.

There are so many questions that can be answered if the financial
industry would combine both the holistic and traditional ways
to delivery financial information. Knowing the Genesis of your
relationship with money would give you a sense of how/why you
handle your finances the way you do.

July/August/September contributors have shared with you their
experiences with both approaches.
Enjoy!!!!

Anita R Johnson
Co-Founder of Affluence
@Affluencefinfit

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EVENTS “ Many people take no care “
of their money till they
I Do Financial Action come nearly to the end of
Boards it, and others do just the
same with their time.
More Information/Register:
Johann Wolfgang von Goethe
https://mwfw.ticketleap.com/i-dont-do-vision-boards-i-do-fi-
nancial-action-boards/

More Information/Register:

https://mwfw.ticketleap.com/finding-your-financial-through-per-
sonal-transformation-2017-ret/

Date: March 16th-18th, 2018

Retreat Facebook Page:
https://www.facebook.com/rindingyourfinancial-
voice2016/

Finding Your Financial Voice Retreat Venue 2017

For all schedule events click:
http://anitarjohnson.com/

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TABLE OF CONTENTS

1- Co-Founder’s Notes
4- Overall Wellness Includes Financial Health
5- The Holostic Approach to Money
6- The Holistic View of Money
7- Obamacare-Repeal to Impact Women & Mothers

Contact us at infofinancialfinfitegmail.com ““We buy things we don’t
for comments. Follow Affluence on need with money we don’t
Facebook: https://www.facebook.com/affluencefinanciafit/ have to impress people
Twitter: https://twitter.com/affluencefinfit we don’t like.
Dave Ramsey
Mailing address: 3104 O Street Suite 315,
Sacramento CA 95817 916-572-9033 3

Overall Wellness

Includes Holistic Financial Health

When Helen Reddy released, “I Am the issue, consider it an annoyance that By Jill L. Ferguson
Woman” in 1971, it became a bit of a won’t get them down and just wish it [email protected]
women’s anthem, reminding sisters of their away. Others take over-the-counter
strength, wisdom and power—attributes meds, stock up on tissues and drink hot drive you. These may be your parents,
that were hard won or learned through tea or hot honey and lemon. Still others partner or children; your belief in
overcoming hardship. may blast their systems with homeopathic philanthropy or a cause about which you
pills, Airborne or EmergenC or Echinacea feel passionate; and/or wanting to be at a
The song’s refrain is: and vitamin D-3 or C. No “right” way certain level or achievement in physical,
exists to treat a cold; people choose what mental, emotional or financial fitness.
“I am strong works best for them. Carson says this about being health-
focused: “A sound mind and body are
(Strong) Mental and emotional wellness works prerequisites for success. Being an
similarly. One person relieves stress with achiever requires energy and stamina.
I am invincible massage, another by shopping or being in When you feel and look good, you are
large groups of people, another by being confident; confidence aids achievement.”
(Invincible) alone. One person may prefer exercise in And numerous studies have been
the gym while another may enjoy hiking published in American Psychologist and
I am woman.” and taking a “wilderness or forest bath,” elsewhere about the link between having
as the Japanese call them, to calm frayed some kind of faith practice and physical
When was the last time you felt strong and nerves and find peace. well-being.
invincible? So often we may feel strong in Feeling well in mind, body, spirit,
part of our lives, like after a good workout As far as finances are concerned, the emotions and finances takes attention
at the gym, after an emotionally-connecting IARFC says, “Holistic financial planning and planning. It also takes intention, or
conversation with someone we care about recognizes that money is only green what we aim to do; these can be goals,
or when we receive compliments or a bonus wrinkled paper and numbers on a page objectives or desires. A popular phrase
from our boss. But, we may feel weak when until it is translated into what you want states that attention follows intention
the mail comes and it’s mostly bills or when the money to do for you and those you and means that what we aim to do only
we have a particularly stressful day with love.” gets reached if we pay attention to it and
clients. During these times we may feel strive towards it.
segmented, connecting with the parts of us Therefore, holistic financial planning— Is overall wellness and affluence your
that are working well but feeling beat up by like any wellness planning—must be intention right now? Remember these
the parts that aren’t. And to make ourselves tailored to you. The great baseball words, sung by Helen Reddy:
better, we may seek a quick fix in chocolate, legend Yogi Berra said, “If you don’t
wine or a fabulous pair of new shoes. know where you’re going, you might end “You can bend but never break me
up somewhere else.” Holistic financial ‘Cause it only serves to make me
Greg Anderson, author of The 22 Non- planning looks at your current health and More determined to achieve my
Negotiable Laws of Wellness, says that investigates your dreams, desires, goals, final goal
“Wellness is not a ‘medical fix’ but a way of objectives, passions and where you’d like And I come back even stronger…”
living - a lifestyle sensitive and responsive to go. And because it may involve areas
to all the dimensions of body, mind, and like cash management, accumulation You are woman. When’s the last
spirit, an approach to life we each design of retirement assets, life and health time you planned and proclaimed
to achieve our highest potential for well- insurance, education funding, real estate, your wellness to the world?
being now and forever.” tax planning, retirement income planning,
travel, and many other financially-related 4
Wellness and affluence include all of subjects, a team of professionals may be
ourselves—body, mind, spirit, emotions and needed to create the comprehensive plan.
finances. And when one of the areas is off, it (Just like you wouldn’t trust one doctor
can throw other parts of us off too. Think of with your health but see specialists for
a time when you didn’t have quite enough various kinds of treatment/wellness
money at the end of the month. How did paths.) Holistic financial planning
that make you physically feel? How did it addresses all of life’s goals (not just some
affect your mental state and your emotions? of them in the immediate or five or 10
years in the future.)
Yet so often we try to “fix” one area—
make ourselves feel happy, for example— Holistic wellness is so important because
without addressing the root problem
that is in another area. The International it is tied to success. Ron Carson, CEO
Association of Registered Financial
Consultants (IARFC) says, “A holistic and Chairman of Carson Group Holdings,
approach to anything recognizes that all
its parts are connected and interrelated.” wrote a LinkedIn #BetheBoss Series

And holistic approaches to wellness—any article titled “14 Habits of Top Achievers.”
kind of wellness—must be individual in
nature. Think about physical health for a Four of the habits have to do with holistic
moment. When you get the sniffles, how
do you deal with it? Some people power wellness: a guiding light, goal-oriented,
through them and do very little to address
health-focused and spirituality. The first

two are forces outside of yourself that

The Holistic Approach By Nikki Beasley

to Finance

hōˈlistik/
adjective
PHILOSOPHY: characterized by comprehension of the parts of something as intimately
interconnected and explicable only by reference to the whole. If not, there is work to be done.
Before one jumps on the band wagon Identify what’s in conflict – the way you
of popular terms and buzz words; one As we take this journey through this think or the way you feel – then address
must understand the meaning. So often topic of the Holistic approach you will the conflict individually until you can say
we are looking for answers, solutions, and have to acknowledge and honor that the you are at peace.
resolve to our “problems”- we attach our Mind, Body, and Soul is intertwined and As a suggestion, get educated. Read,
thoughts and actions to what’s popular. connected. seek out a financial professional.
Address the feeling: Why do you make
First the decisions you do? And when you
make the decision how does it make
Holistic has become an overused term, Mind- Education, Academia- How you feel? In conflict; what is money not“
losing its meaning. Primarily used in where you taught? what were you doing for you?- Physical/ Soul- Spirit.
medicine to describe the nontraditional taught about money? This journey is not brisk. It takes a
approach to healing. Looking at the lifetime; as women we are evolving
Mind, Body and Soul to – the “whole” – Write it down, reflect on it. Was the learning more about ourselves everyday.
to determine the best remedy to address introduction around the kitchen A time to unlearn poor habits, the
the illness, or disease. To prescribe to table? Did your family or elder talk transparency of accountability, and the
this approach, one must believe that the about money in your presence? Did acknowledgment - you deserve more.
Mind, Body and Soul are connected and they teach you about money – how In closing, know that money, currency,
reliant on one another to perform. it worked, why it was important and wealth, is personal. It’s DNA. It is
valuable, the responsibility of legacy something coded in your beliefs,
As the holistic approach term became and inheritance, how to use it? thoughts, and feeling. If you want a
popular, it has transcended into all different outcome, you must change
conversation, spiritual, physical, health Body- How do the questions and your string of unique DNA that has been
and financial healing. thoughts above make you physically integrated in your day to day responses
feel? Anxious? Frustrated? Nauseous? to MONEY!
As women we are the first to be open Happy? At peace?
to the exploration of alternative, “ It has nothing to do
nontraditional ways to finding solutions; Soul- The intuitive; when you know with money; it has
we are masters in innovation, creativity, better you do better. How many everything to do
and investigation. With an open mind times have you gone against your with our behaviors
and heart let’s discuss the holistic “gut” (your inner voice, your intuitive around money
comprehensive approach to Money. thought) when it has come to making Nikki Beasley
decisions about money? Whether the
Money means many things to different decision was good/ bad- have you https://www.brainyquote.com/quotes/
people; a necessary “evil,” a thing, a tool, ever addressed or been conscious of authors/t/thomas_j_stanley.html
a resource, a gift, a blessing, a need, a your intuitive spirit?
want… the list is expansive. 5
second

If I were to ask what money means to you, Now we can level set. You have some
what would your answer be? Take some sense of where your thoughts and
time to reflect and write your answers action come from regarding money.
down. How it was introduced to you, how
you feel about your accountability to
If I asked… the decisions you’ve made.

Is money serving you in the way you In holistic healing, a lot of time is
expected? spent on the exploration of feeling….
So …. How do you feel at this exact
Is money addressing all your needs and moment? With this revisited/ new
wants? information?

What’s the biggest obstacle in achieving Lastly, now that we are in touch with
your financial goal(s)? the feelings that money brings can you
answer this question? Are you whole
Is money all you’ “thought” it would be? in your thinking? Is there alignment
Mentally (Mind), Physically (Body),
TAKE NOTE: how did the questions and Emotionally (Soul/Spirit)? If you
can say yes to NO conflict, and you
made you think and feel? How did your feel harmonious and at peace when
body physically react? it comes to the money conversation,
you are approaching your money
decisions in a holistic way.

A Holistic View of Money:
The holistic spiritual powers money
will bring into your life. By Gerrie Walker

So, let me tell you a story; let me share So, when I see opportunity to shine a “ Beware of little “
with you today something that I have light of love into a friend’s life who is expenses. A small “
realized as I have made my journey with shut-in or is unable to get out it allows leak will sink a great
money as a holistic spiritual entity in my me to share with them my prosperity, ship.
life. When I think of the word holistic holistically. My prosperity is so much Benjamin Franklin
I think of all facets of my life working more than just the monetary benefits
together harmoniously. My health, my that I see; my prosperity – my wealth – “ Change your money
wealth, my mind, my prosperity, my is also the other benefits that I receive. mindset, change your
relationships, my time management, The receiver of peace. I have such peace money condition.
my vocation; all humming together and such joy, and such calmness in my Anita R Johnson
harmoniously together. All finding a way life – not because I am in a church 24/7, 6
to bring about the good that is so destined no not at all – but because I see that
to be implemented into my life. what God has brought into my life has
allowed me to feel this amazing amount
So, when I look at the holistic view of of calmness, of peacefulness, of joy.
money, I look at how the monetary energy
that flows in and out of my life affects me I may not be able to stop every negative
in all of these different facets. How does occurrence that comes into my existence.
the monetary energy affect my health? I may not be able to bring about a
How does the monetary energy affect positive, miraculous (or my favorite new
my view of my wealth, and how does the word “marvelous”) reaction to my car
monetary energy affect my relationships, breaking down on the freeway. But what
my vocation, and my love that comes and I can bring into my existence to bring
is in my life? about a peacefulness of that occurrence
is my ability to see that it allowed me to
So first we will start with my health; my reflect on some other things that may
monetary energy, the money that I see have needed to be handled in that day.
flowing in and out of my life flows in and
out easily and seamlessly because what I Maybe I needed to spend more time in
give to others I receive in return. What I prayer, maybe I needed to spend more
mean by that is when I pay my bills I am time in meditation and maybe I needed
blessed because I have the capacity and to spend more time in visiting a 95-year-
the opportunity to pay my bills; to pay old church friend to see how she was
for my shelter, to pay for my heating and doing as I invested my time, talent, and
air, to pay for anything that I need that treasure in that particular way as well.
provides with me comfort at this point in Holistically, it all works together and it
my life, I’m so grateful. provides me with balance; it provides me
with understanding; it provides me with
When I look at the monetary energy that the opportunity to know that because
comes into my life and comes out of my this has happened does not mean that
life regards to relationships, how do I my entire world has fallen apart. Not at
identify with others and this monetary all.
energy that I have? I’m a strict believer
in tithing (that is a whole other subject, It just means that this allows me to
but let me just say that what you invest spend a little bit more time reflecting
yourself in is what will come back to you, on something that maybe needed to
blessing you as well). I invest my time, my be addressed in a more timely fashion.
energy, my talent, my treasure in doing So, I spend time looking at all of the
what I can to help my fellow man, which facets of my life. I spend time taking
does what it can to help me. an opportunity to be where I can be to
bring about what needs to be brought
My relationships; my intimate relationship about, so that I can see this amazing
with my Beloved, my relationships love that – with the help of God – I am
with my congregant church family, my able to now realize that all of these
relationships with my work family, my things working together allow me to
relationships with my spiritual family, be holistically balanced, allow me to be
my relationships with my blood relation amazingly prosperous, allow me to be
family - all of these relationships are spiritually fulfilled, and allow me to see
positive because they bring about my good arriving slowly, surely, calmly,
positivity in my life. I invest the time that and beautifully into my life.
is necessary to bring them into focus and
endearment to me. Holistically all these
things must be what are working the best
for me because all of these things are
working for my good as well.

Obamacare RepeaL

To Impact Women and Mothers

Under the new Trump administration poverty level. Expanded Medi-Cal has By Kevin Knauss “
we have been promised radical covered literally millions of Californians “
revisions to the Affordable Care Act (ACA) with no-cost health insurance. The “ Finance is not merely
known as Obamacare. While no date federal government is set to pick up 90% about making money.
has been set for any proposed changes of the cost of the expanded Medi-Cal in It’s about achieving
to take effect, there are several ACA California. our deep goals and
elements that might quickly disappear protecting the fruits
and impact women and families before For the expanded Medi-Cal program to of our labor. It’s
2018. Fortunately, there doesn’t seem to continue, congress must appropriate about stewardship
be any movement to strip any holistic or money to cover the expenses. Because and therefore about
alternative medicine benefits from the the federal government works on a fiscal achieving the good
health plans. year that ends on September 30th, and society.
if congress does not fund the expanded Robert J.Shiller
Cost Sharing Reductions Medicaid programs, individuals and
families on Medi-Cal based solely on “ Your Money Should
Under the ACA individuals and families their income level, may lose their Have a Purpose.
who qualified for the monthly tax credit coverage as early as this fall. Anita R Johnson
subsidy, but have incomes below 250%
of the federal poverty level, were offered Don’t have time to attend The
reduced cost sharing plans. These plans are Financial Action Board Workshop.
known as Enhanced Silver Plans and have
lower deductibles, copays, coinsurance, No worries. I have created a Do
and maximum out-of-pocket amounts. Yourself Financial Action Board Kit.
The federal government pays health
plans to offer these reduced member The kit includes:
cost sharing plans. In a 2016 a lawsuit, - Big Pad-Post-It Pad
filed by the House of Representatives,
the plaintiffs claimed the payments to - 2 Dry-Erase Markers
the health plans for the cost sharing
reductions were not properly authorized - Scissors
by congress and should be stopped.
- Washable Glue
A judge ruled in favor of those claiming
the payments were not properly - Gift Certificate for E-book, Village
authorized but put the decision on hold Pearls (Co-Author)
as the Obama administration appealed
the decision. It is unclear if the Trump - Financial Action Board Instructions
administration will continue to defend
the cost sharing reduction payments. If All for $50. Valued at $100
they decide not to continue the appeal,
and the judge lets the order stand, the Order here:
cost sharing reductions for members in http://anitarjohnson.com/products/
those Enhanced Silver Plans (73, 87, and financial-tool-box.html
94) may immediately stop.

This would result in a health plan member
in a Silver 94 plan with a $5 office copay
suddenly having to pay the standard Silver
70 plan copay of $35. The deductible for a
Silver 94 plan is $75. A standard Silver 70
has a $2,500 deductible. It all adds up to
a situation where it could cost too much
to use the health insurance even if the
family can afford the premiums with the
ACA subsidy.

Expanded Medi-Cal

Under the Affordable Care Act, Medicaid
– known as Medi-Cal in California – was
expanded to all people whose household
income is below 138% of the federal

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However, no specific plan has been approach to health care, the online There is no question that the ACA will
presented or voted upon. Expanded provider search may yield only a few undergo profound changes under the
Medi-Cal may become a block grant results. Under alternative medicine, new Trump administration. The failure
program where California would have health plan members will usually find to defend the reduced cost sharing
to more carefully manage who is acupuncturists and chiropractors. Silver plans will literally take money out
actually covered to conserve the block Acupuncture is covered by individual of the pocket books of many women
of funding dollars. This might mean and family plans, but chiropractic if those plans disappear. Changing
that the qualifying household income is care usually is not. If you do find a Medicaid to a block grant program could
lowered to reduce the number of adults holistic doctor you like, make sure they jeopardize access to health care for low
who are covered by the expanded Medi- accept your insurance. Otherwise you’ll income women and families. Finally,
Cal. More than likely, there will be very be paying the full rate for the visit and we see a continued assault on Planned
little change to the Children’s Health any services out-of-pocket. Parenthood, which if successful, will
Insurance Program (CHIP) that helps further diminish health care services for
provide Medi-Cal for children under 19 women.
years of age.

Women’s Health Benefits

There was intense debate and lawsuits
surrounding the no-cost birth control
benefit for women offered through the
ACA. There are elected representatives
and interest groups who would like
to have free birth control removed as
a covered benefit for women under
Obamacare plans. In addition to family
planning benefits, the ACA also covers
no-cost mammograms and annual well-
woman visits.

In the name of reducing the price
of health insurance, important and
valuable benefits targeted at women’s
health may be removed from the
minimum essential health benefits
currently covered by ACA health plans.
This includes the mandate that all
ACA health plans cover maternity. In
addition to contraception and maternity
coverage, the ACA provides coverage for
breastfeeding support, counseling and
breast pumps.

We have also seen legislation introduced
that would prevent Planned Parenthood
from receiving any federal funding.
Planned Parenthood is an important
provider of services to thousands
of women. A reduction of available
providers for important women’s health
care will most likely reduce needed
access to care for many moderate and
low income women.

It is no secret that the authors of
the ACA put women’s health in the
forefront of the overall design. Women
and mothers have greater health care
needs than men. Without healthy
women, our communities can’t have
healthy children and families. Changes
to the ACA could have serious negative
repercussions for women getting the
health care they need in a timely manner.

Several of the private health plans
allow members to search for either
holistic or alternative medicine
providers. But unless the doctors
or other providers have identified
themselves as offering a holistic

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