SMARTER RICHER BRAVER Marilyn Pinto

Securing your future with life insurance.


Life insurance, a topic often sidelined due to its perceived complexity and discomfort, is brought to the forefront in this enlightening episode. We dive into the critical reasons why life insurance should be a priority, not an afterthought. From securing financial futures to protecting loved ones, the discussion uncovers misconceptions and highlights the pivotal role life insurance plays in our lives. With practical advice and actionable steps, this episode aims to demystify life insurance, making it accessible and understandable for everyone.

Joining me is Rickson Dsouza, a seasoned expert in life insurance with an impressive family legacy in the industry spanning six decades. A distinguished member of the Million Dollar Round Table and the Top of the Table for 14 years, Rickson brings invaluable insights and expertise. His work focuses on high-net-worth individuals, providing genuine advice on financial protection and wealth transfer. Rickson’s dedication to his clients and his ability to simplify complex topics make him an exceptional guide in navigating the nuances of life insurance.

Key Takeaways:


Life insurance is essential for securing financial stability and protecting loved ones in the event of an untimely death or critical illness.


Many people mistakenly believe life insurance is only needed for the primary breadwinner or is an unnecessary expense.


Term insurance is cost-effective with an expiration date, while whole and universal life insurance offer lifetime coverage and can accumulate cash value.


Adding a critical illness rider provides financial protection during severe illness, covering medical expenses and loss of income.


Purchasing life insurance at a younger age ensures lower premiums and coverage before potential health issues arise.


Personal stories demonstrate how adequate life insurance provides financial stability and peace of mind during crises.


Be cautious of unrealistic investment returns tied to life insurance and ensure full disclosure during the application process to avoid claim issues.

Tune in to this episode of Smarter Richer Braver!

Remember that much of what is talked about on this podcast is stuff that’s not typically talked about to young people – and it should be. It’s stuff that you need to know so that you a can lead a life that’s smarter, richer, and braver.

If you have any questions or topics you’d like us to broach in our upcoming episodes, pls email us at smarterricherbraver@gmail.com. And if you’d like to sign up for one of our award winning programs, go to kfi.global and check out our upcoming schedule.


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Essential Tips for College Admission Success

Embarking on the college admissions journey is more than just filling out applications; it's about setting the groundwork for your future, exploring who you are, and who you want to become. This pivotal process shapes not only your academic career but also your personal development, making it a topic of paramount importance for every aspiring student.

Joining us is Brennan Barnard, Director of College Counseling and External Affairs at Khan Schools Network, CA. He is also the College Admissions Program Advisor with the Making Caring Common, a project of the Harvard Graduate School of Education, Director of College Counseling for the College Guidance Network. Brennan simplifies the college admissions process with his depth of knowledge and insider knowledge, highlighting the value of honest communication between parents and students.

Key Takeaways:


Many colleges accept more applicants than they deny
Personal motives and goals are critical before diving into college applications
Early and honest discussions about the financial implications of college choices are crucial for planning and avoiding future strain.
Colleges value depth and impact in extracurricular activities more than a long list of shallow engagements
Students should retain their voice in their personal statements, avoiding overediting by others or reliance on AI
Familiarity with different admissions review processes (formulaic vs. holistic) can guide application strategies
Strategies for discussing college plans and expectations, including setting dedicated times for these discussions

Tune in to this episode of Smarter Richer Braver!

Remember that much of what is talked about on this podcast is stuff that’s not typically talked about to young people – and it should be. It’s stuff that you need to know so that you a can lead a life that’s smarter, richer, and braver.

If you have any questions or topics you’d like us to broach in our upcoming episodes, pls email us at smarterricherbraver@gmail.com. And if you’d like to sign up for one of our award-winning programs, go to kfi.global and check out our upcoming schedule.


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How and why young people should start using AI for career success

AI is the biggest thing since the internet was invented. It's what everyone's talking about and worrying about. It's rumored to displace or make many jobs redundant, and it's going to impact your career. Learning how it works and how to work with it is a skill that can't be overemphasized. This is all the more important, especially since AI is growing with the next generation of young people.

Ronsley Vaz, a computer scientist, entrepreneur, speaker, author, software engineer, and podcaster, joins me in this thought-provoking conversation. He is an expert in AI and a creator of podcasts for some of the most influential personalities in the world. Ronsley brings a wealth of knowledge and gives us a unique perspective on AI and how it is affecting the lives of young people like you. Together, we discuss the common misconceptions surrounding AI and how you can use its capabilities to succeed.

Key Takeaways:


AI is here to stay and will have a profound impact on various aspects of our lives
Prioritize critical thinking and adaptability as skills to strive in an AI-influenced job market
Educating young people on AI is essential as it is becoming increasingly commoditized in today's world
Learning Prompt Engineering helps in communicating instructions to computers to get the desired output
Education plays a crucial role in preparing young people to work with and alongside AI
Understanding AI empowers young people to find innovation and a competitive edge
The combination of human intelligence, augmented with AI, can enhance problem-solving and creativity

Tune in to this episode of Smarter Richer Braver!

Remember that much of what is talked about on this podcast is stuff that’s not typically talked about to young people – and it should be. It’s stuff that you need to know so that you a can lead a life that’s smarter, richer, and braver.

If you have any questions or topics you’d like us to broach in our upcoming episodes, pls email us at smarterricherbraver@gmail.com. And if you’d like to sign up for one of our award-winning programs, go to kfi.global and check out our upcoming schedule.

Resources


wearepodcast.com
aigeeks.site
listen.shouldistartapodcast.com


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Learn the secrets behind optimizing your sleep

Some people turn to sleep medications for comfort, but the hidden gem lies in cognitive behavioral therapy for insomnia—a revered pathway to peaceful nights. Understanding the subtle difference between fatigue and sleepiness is essential, as it guides us toward personalized treatment. Among the many online sleep advice, we must be careful as some tips may not meet our specific sleep needs.

Dr. Shane Creado is a board-certified psychiatrist and sleep medicine physician. He challenges common misconceptions about sleep hygiene and provides evidence-based insights on optimizing sleep for academic performance and mental health.

Key takeaways:


Sleep medications should be a last resort for treating insomnia, with cognitive behavioral therapy for insomnia being the gold standard treatment.
There is a difference between fatigue and sleepiness; understanding this distinction can lead to better treatment.
Many sleep hygiene tips found online must be more accurate or generalized, and individual sleep needs can vary.
Sleep deprivation can significantly impact academic performance, leading to memory and learning difficulties.
Sleep disturbances are a predictor of poor academic performance, comparable to the effects of alcoholism.
Prioritize getting adequate sleep for optimal academic performance.
Seek professional help for sleep issues, focusing on identifying and addressing underlying factors.

Tune in to this episode of Smarter Richer Braver!

Remember that much of what is talked about on this podcast is stuff that’s not typically talked about to young people – and it should be. It’s stuff that you need to know so that you can lead a smarter, richer, and braver life.

If you have any questions or topics you’d like us to broach in our upcoming episodes, please email us at smarterricherbraver@gmail.com. And if you’d like to sign up for one of our award-winning programs, go to kfi.global and check out our upcoming schedule.

Resources


https://www.instagram.com/peaksleepperformance/
https://www.amazon.com.au/Peak-Sleep-Performance-Athletes-Cutting-edge-ebook/dp/B085YFP9YW


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Learn the ropes of becoming a responsible adult

The path to adulthood is full of intricacy that frequently leaves us feeling unprepared and uncertain, and many young adults experience that feeling because of the responsibilities and expectations that come with it.

Joining the conversation is Dr. Mark McConville, a distinguished clinical psychologist renowned for his expertise in adolescent, emerging adult, and family psychology. With his wealth of knowledge and unparalleled experience, he shares unique perspectives on the challenges faced by young individuals. Together, we unearth invaluable insights that empower young adults to confidently and clearly maneuver through this phase of life.

Key Takeaways:


Becoming an adult is a process that takes time and experience.
Taking ownership and developing responsibility involve handling mundane tasks and managing the nitty-gritty aspects of life.
Learn that seeking guidance from others who know more is crucial in the transition to adulthood.
Young people often have unrealistic expectations about adulthood, thinking they should have it all figured out by a certain age.
Overcoming the fear of looking foolish or making mistakes is part adulting. Embrace imperfections.
Recognize that feeling incompetent is part of the learning process and be willing to take the initiative to learn and grow.
Parents need to adapt their approach as their children grow, allowing them to take ownership on their own decisions.

Tune in to this episode of Smarter Richer Braver!

Remember that much of what is talked about on this podcast is stuff that’s not typically talked about to young people – and it should be. It’s stuff that you need to know so that you a can lead a life that’s smarter, richer, and braver.

If you have any questions or topics you’d like us to broach in our upcoming episodes, pls email us at smarterricherbraver@gmail.com. And if you’d like to sign up for one of our award winning programs, go to kfi.global and check out our upcoming schedule.


Resources


https://markmcconvillephd.com/
https://www.gestaltcleveland.org/


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Unlocking Success: Job Seeker's Guide

Seeking employment can indeed be a daunting and overwhelming challenge. However, in this endeavor, it's crucial to approach the fiercely competitive job market with determination and a well-prepared strategy. Crafting resumes and CVs is invaluable and offers essential guidance on making them stand out in a crowded job market.

Join me and Sophie Milliken, CEO of Moja Group and an expert in graduate recruitment, imparts her expertise to the forefront by unraveling key qualities and skills that employers actively seek in recent graduates. She provides invaluable advice, addresses the common challenges that job seekers encounter, and offers practical tips for conquering strength-based and competency-based interview questions.

Key Takeaways and Recommendations:


Approaching the job search process with keenness, enthusiasm, and a positive attitude can significantly impact success.
Consider factors like company culture, work environment, benefits, job progression, and the whole package beyond just the salary.
Utilizing the STAR technique (Situation, Task, Action, Result) can structure effective responses to competency-based interview questions.
Asking thoughtful and engaging questions during the interview can help candidates stand out and build rapport with interviewers.
Be patient when dealing with potential employer delays, as various factors, such as busy recruitment teams and unforeseen circumstances, may cause delays in communication.
Using AI to write application answers may lack authenticity and should be avoided.
Work experience, even if seemingly unrelated, can highlight valuable transferable skills and work ethic.
Changes in recruitment are often driven by advancements in technology, and while the format may change, the core qualities employers seek remain consistent.

Tune in to this episode of SMARTER RICHER BRAVER!

Remember that much of what is talked about on this podcast is stuff that’s not typically talked about to young people – and it should be. It’s stuff that you need to know so that you a can lead a life that’s smarter, richer, and braver.

If you have any questions or topics you’d like us to broach in our upcoming episodes, pls email us at smarterricherbraver@gmail.com. And if you’d like to sign up for one of our award winning programs, go to kfi.global and check out our upcoming schedule.

Resources:


https://www.sophiemilliken.co.uk/
https://thisismoja.com/
https://www.amazon.co.uk/Learner-Earner-recruitment-insiders-students/dp/1781337209/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1696420659&sr=8-2


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