A Financial Education Event
 

Give the Gift of Investing

During the holidays, it’s a time of giving—and sometimes sorting. For example, this past week, I sorted my closet and gave away 10 bags of clothing, purses, belts, scarves and shoes. I did a quick reckoning and calculated that the original value of those items was a cool $1000. Many of those giveaways were once gifts from friends and family. I couldn’t help but think, “What if I was gifted with money in a savings account or an investment fund instead?” The answer is: “You’d be a lot better off and your investment would have earned money instead of ending up in a giveaway bin.”

This year, why not take $500 and open an investment account for someone you love? Give the gift of investing by getting a loved one a start in this key area of financial responsibility. Recently on The Money Millhouse, we hosted Brenna Casserly. Brenna Casserly is CEO and Co-Founder of Emperor Investments, a Toronto-based robo-advisor.

She helped us understand a lot about Emperor and how they work as well as other investment terms such as an ETF. Brenna said, “Think of an ETF like a black box. When you open the box you notice that it is filled with some really great companies and others not so good. When you buy an ETF, you buy the entire black box and unfortunately cannot just pick out the companies you wish to own.”

One of the reasons we like Emperor Investments is that Emperor was founded on the notion that investing is highly personal. Over the course of the last decade, Brenna and co-founder, Francis Tapon, have developed proprietary technology that builds personalized portfolios. This means you don’t have to know everything there is to know about investing, you’ll have a partner at Emperor who will help you decide which fund is best for your investment style and your financial needs.

For a limited time, you can open an account at Emperor and our non-profit, Heroes at Home, will benefit from your new account if you use this link to Emperor Investments for the Money Millhouse. We believe in this kind of investing so much that we gifted an account to others who need help in just getting started.

So instead of giving your friend or family member gifts that will end up in the giveaway bin in just a few years, give them an investment account that will be worth more than your original investment in a few years. The gift that will keep on giving.

Don’t forget to use our Money Millhouse link in order to benefit Heroes at Home, so that we can continue to provide free financial education to our military members around the world.

 

 

Honor and Celebrate our Veterans With #HonorThroughAction

In an effort to serve those that serve us, Heroes at Home and The Money Millhouse work to provide free financial education to our service members and their families. In the past, USAA has partnered with us and they continue to celebrate Veterans Day as a very specific occasion during which we can honor and celebrate those who’ve served and continue to serve our country.  Both of our organizations believe that celebrating our veterans encourages them to tell their stories about how and why they served in the effort to educate our public about our military community. Veterans Day stands as a reminder to celebrate the 20 million veterans (6 percent of our population) who have and continue to defend our country each and every day. We hope you will join us by taking a moment to honor veterans through a very simple action, share this with your followers, and invite them to participate as well. See the photo and this video to see who we are honoring from our families and why.

 

#HonorThroughAction

Celebrate veterans by following these quick and easy steps:

  • Draw a V on your hand, and the initials of a veteran you personally would like to honor
  • Snap a selfie – or have someone take the picture – showing your hand with the V
  • Share the photo on your social channels tagging and mentioning #HonorThroughAction, along with a message of appreciation for our veterans
  • Invite others to do the same as we head into Veterans Day… even tag and call out 2-3 you feel should act on this
  • For more background on this campaign to honor those who have served, go to www.usaa.com/VeteransDay

 Here’s a hint (from Ellie) about the veterans I’m honoring: I married one and gave birth to three!

Here are some more quick facts about Veteran’s Day:

  • Many Americans confuse Veterans Day with Memorial Day; Veterans Day is meant to give thanks to our living veterans while Memorial Day is a day to remember those who gave their life while serving our country.
  • One hundred years ago, peace came to the battlefields of Europe with the signing of the armistice between the Allies and Germany on the eleventh hour of the eleventh day of the eleventh month in 1918. This officially ended World War I – the war to end all wars.
  • In commemoration of the war’s end, Armistice Day was first observed on Nov. 11, 1919.
  • U.S. Congress passed a resolution in 1926 for an annual observance and Nov. 11 became a national holiday in 1938.
  • In  954, President Dwight D. Eisenhower issued a proclamation that changed the name to Veterans Day to honor everyone who took the oath in service to America and served honorably during war or peacetime.
  • “On that day, let us solemnly remember the sacrifices of all those who fought so valiantly, on the seas, in the air and on foreign shores, to preserve our heritage of freedom, and let us re-consecrate ourselves to the task of promoting an enduring peace so that their efforts shall not have been in vain.” – President Dwight D. Eisenhower
  • All around the world, countries commemorate Armistice Day which is also called Remembrance Day.
  • Traditionally, two minutes of silence are held at 11 a.m. on Nov. 11 in reverent remembrance of those who gave their lives for their country.
  • The Royal British Legion sells poppies from October through Nov. 11 as a symbol to help honor and remember those who’ve fallen in service.

How I Earned A Six Figure Income As a Spokesperson / Brand Ambassador – part 4

I’m gearing up to present this Brand Ambassador Workshop at Fincon this year and it makes me reflect on the last time I presented in that venue. It was 2014 and we were in a small space that accommodated about 40 people. In the audience were several bloggers and social media gurus who were interested in how they might be able to leverage their skills to be able to make money in this space. One of the people listening carefully was Tiffany Aliche, The Budgetnista, who was on the cusp of her potential career as a brand ambassador.

 

When I talked to her about it recently, she reflected, “I remember looking at the list of workshops and thought that I really wanted to see what that was all about. When you were talking, I kept thinking about brands I could possibly partner with and didn’t really know. But now, four years later, I’ve exceeded my expectations with your help.”  Tiffany is modest, but she’s currently in the top 5% of non-celebrity spokespersons/brand ambassadors. I worked with her on her first major deal and I’ve represented her ever since. I’ve also worked with a half dozen others who were at that Fincon presentation. What made Tiffany pop out as a top performer? Let’s look and see:

Characteristics of a Top Brand Ambassador:

  • Great work ethic– Tiffany delivers on time or early. Period. No excuses. I had another  rospective brand ambassador who couldn’t keep her phone appointment with me THREE times. I know, why did I give her so many chances? My daughter says I’m too nice sometimes, but I do like to believe the best in people.  However, if she can’t keep a phone appointment with me, how could I trust her to manage the deliverables on a contract?
  • Great questions– A great brand ambassador knows the right questions to ask when working with a client. While I (the agent) ask all the deliverable and money questions (the talent doesn’t need to talk money when they have a representative), Tiffany usually asks things like “What are your expectations?” and “How do you measure success?” She wants to know the client’s target so she can hit it every time.
  • Great Performance– Repeat work is a big part of income for a brand ambassador and getting a client to want you again…and again…and again is a gift. Tiffany makes it her goal to exceed a client’s expectations. This doesn’t mean that she does extra work for free (I don’t let her) but it does mean that she’s open to revising her work, she’s flexible and she gives the client better results than they ever dreamed of getting.

 

The Upward Spiral for a Spokesperson

I’m a pretty big Bradley Cooper fan and I saw the trailer for the upcoming movie, A Star is Born with Lady Gaga. That’s one premiere I’d like to go to as an influencer! I saw the previous version of the film with Kris Kristofferson and Barbra Streisand as well as the 1937 original. It’s a painfully sad story of someone on top who works their way up and then enters a downward spiral to destitution and despair. That same story can happen to brands when they believe their own press, think they are better than others, or they let success go to their head. But just as there is a downward spiral, I believe that there’s also an upward spiral that incorporates the adage, “success begets success.” Here’s how that happens:

  • Start – The brand ambassadors start somewhere. Some of the best begin as bloggers, writers, podcasters, media personalities, or speakers.
  • Skills – We already discussed the different skills, but the best of the best spokespersons will move outside their comfort zones and develop additional skills. Some bloggers are afraid of public speaking—but a top 5% brand will go to Toastmasters and get over that fear and then achieve the elite Accredited Speaker status (the top 1% of 4 million Toastmasters globally). A skilled podcaster will learn to become a better writer. An old-school book author will learn about social media. They seek to become the EGOT of their space in the marketplace—achieving excellence in all areas.
  • Success –As they develop their skills, they get gigs and execute all the deliverables in their contracts with excellence—exceeding client expectations.
  • More Success – As they are successful in contracts, this leads to their ability to develop even more skills and confidence, which leads to more success. They remain teachable and realize there’s always room for improvement.
  • A Star is Born – Some of the most remarkable and successful spokespersons are people that will never achieve celebrity like Kendal Jenner, who gets a cool mil for an Instagram post. Nonetheless, these top 5% non-celeb spokespersons are stars, like Tiffany, because they are working it and getting better every day.

In this blog series, we already learned the definition of a spokesperson/brand ambassador, the skill sets of a spokesperson,  the process involved in garnering, negotiating and contractinga spokesgig. Now it’s time to look at some of the specific deliverables as well as how to remain in compliance so you don’t get in trouble with the Feds!

Deliverables:

In the SOW (Scope of Work) and in your spokesperson contract, there will be an Appendix or a specific outline of what you are to deliver as well as the timeline (due dates) for those deliverables. When working for my brand ambassador clients, if these areas of the SOW or the contract we get from the corporation are not clearly defined, I’ll push back and ask for clarification. Here are examples of the various kinds of deliverables that are part of a working brand ambassadors rate sheet.

  • Per day or part of general appearance day (national TV, local market media TV, print, radio interviews, trade show appearances, podcasts, press conferences, etc.); per pre-tour development day.
  • Per travel day, if required, prior to or following work days
  • SMT (Satellite TV Media Tour) day – These are one of the most lucrative aspects of a contract because they are VERY difficult and require the highest skill set for a spokesperson. You have to be 100% in your messaging (you deliver at least the primary client message in each and every interview.) You usually arrive in a studio at 4:30 a.m. (EST) for makeup and rehearsal, then you have your first media hit around 6:00 a.m. with a morning news show via Satellite. You continue this for 3-4 hours and anywhere from 10 to 35 TV shows. They key is to be upbeat, perky and consistently deliver messaging the entire time. These SMTs earn 3K for a neophyte up to 30K for a non-celebrity pro.
  • Keynote message (speaking)
  • Workshop/Seminar or Breakout Session
  • Panel (as a panelist or moderator)
  • Media training day – This is usually the day before you kick off a campaign or the day before an SMT or RMT. This rate is usually 2x a social post.
  • RMT (Radio Media Tour) day– This is where you are on 10 to 30 radio shows, back-to-back, delivering key messaging for your client. This are usually done from a landline from your home or office and you can even do these in your pajamas. They make about 10x what one social mention makes for you.
  • Facebook Live – They pay you to go live on either their platform or your own platform. This is a premium deliverable and is usually about 6x the cost of one social mention on facebook. Make sure the contract doesn’t include a “Facebook Live” bundled into all the other social deliverables, because this item should rate more.
  • Email or Newsletter – Believe it or not, some clients still like newsletters or a blast of a promotion to your list. This is never free for the client and the price you get for doing this depends on how big your list is and your open rate (how many people open your email when you send it out.)
  • Fully Sponsored Podcast Appearances – You go on to a podcast like The Money Millhouse and if a sponsor is covering it, then you get paid to go on the show and mention the product, campaign or idea. You make sure to give disclosure about the partnership, but more about that in the FTC/Compliance section below.
  • Initial use of name and likeness and continued use – you get paid for the use of your name and likeness. If the client wants to continue to use it on a social platform or a website, then they rent it monthly.
  • Webinar – These are very popular and can be sponsored as long as they don’t seem like a commercial. They need to be organic or your brand ambassador presence can quickly turn into that of a commercial huckster. Keeping it informational, educational and non-commercial is the key to see both the brand ambassador and the client succeed in this kind of partnership.
  • Pitching tips (up to 3 tips) – Separate from Interviews. You get paid to create pitches for media and then if the client pitches them and you get a hit, then you also get paid to go on the show (or the media.)
  • Branded Educational Content – helping companies develop education material as a public service is really hot these days. You step in to help develop this and you put a friendly face on a corporation so that this content is more human.
  • 5 Day Course – Pricing varies depending on deliverables, but you are creating the course for the brand and will get compensated accordingly.
  • Branded 1-sheet PDF with client links – this is a product that you create with the input from the client.
  • Video Series – you get paid per video and the length of the video needs to be defined. There’s a world of pricing difference between a 1 hour video and a 3-minute video.

 

Federal Trade Commission

I’m not an attorney, but I know how to read a brand ambassador contract. I’ve been known to catch more stuff and nonsense than our attorneys who are not working in this space full time. I read, push back and sign every contract that has my name on it for myself or my brand ambassadors.  A big part of every contract is FTC disclosures. In fact, when I went to select a photo for this section, I didn’t just grab a logo off the internet, I purchased the FTC pic—that would be ironic, violate copyright law when writing about the Federal Trade Commission!

In short, you have to disclose any material connection between you and the corporate client you are working alongside. You have to let your public know you are being compensated in some way–whether financially or materially. If you are in doubt about what this kind of disclosure looks like then look at a recent letter written to influencers from a key official at the FTC and make sure you are in compliance.

The corporate contract will outline, specifically, how you are to disclose in the different forms of media. Follow that part of the contract as if your life depends on it—because your life as an influencer DOES depend on following those rules.

Remember Your Why

As you navigate new territories in this space, remember why you are doing what you are doing. If it’s all about the money with you and that’s all you care about, then please don’t call me. I’m not interested in working with you. I want to work with people care about something more than money.

I entered into these waters as a side hustle from home, to supplement our family income and my own income as an author/speaker. I started as a mompreneur and saw that I was leaving money on the table. I didn’t like that.

My goals were pretty simple: to send my kids through college (debt free) and to pay for their weddings. Along the way, I not only met those goals, but I was also able to reach financial independence and start a non-profit Heroes at Home which provides free financial education to service members, veterans and their families.

Why do you want to do this thing?

This concludes our four part series on How to Become a Brand Ambassador/Spokesperson. Feel free to ask me any questions or let me know how you are doing in this journey. If you’re at FinCon, I’d love to meet you and hear about your experience.

And remember, if you are interested in becoming a part of our beta team for a new Brand Ambassador Course, then submit your name to assistant@elliekay.com and we’ll see if you qualify.

One last word of advice as you continue this journey. Comparison is the thief of joy. You’re going to find amazing people doing amazing things in this space but remember that YOU are amazing, too! So have fun and run your own race.

 

How I Earned A Six Figure Income As a Spokesperson / Brand Ambassador – part 3

On one of my early spokesperson gigs, my co-host was a wiener. He was one-dimensional, wouldn’t speak his lines and always managed to be the center of attention for every one of the 30 media interviews we did via Satellite on the coast-to-coast Satellite Media Tour (SMT). I had to carry the client messaging for each and every morning news television interview, yet this co-star managed to soak up all the limelight and get the closeups, while I did all the heavy lifting. An SMT was brutal work and involves a high-level skill set that can only be successfully accomplished by the top 5% of Spokesperson / Brand Ambassadors. I was 100% on my messaging, no thanks to this high maintenance, hot dogging, co-host. The client was Oscar Meyer.

We’ve covered quite a few aspects of spokesperson work in parts one and two of this series, from the definitions of the work to the skill set required. Now let’s talk about the process of what happens from start to finish during the brand ambassador experience.

 

Step One:  Initial PR Ping

The first outreach for a potential spokesgig is usually a PR firm, who googles experts in the area they are researching (finance, beauty, mommy bloggers, chefs, etc). Then they will send an email, fill out a contact message on your website or reaches out through social media platforms. This began to happen to me after my first book, Shop, Save and Share, came out in print. There was a query from Quaker Oats, then one from Dial soap, then another from Blue Diamond Almonds. The first time, I wrote back a message that quickly made it clear to the PR representative that I was absolutely clueless and didn’t even know what the outreach was about. I didn’t get the gig. I didn’t even know that I didn’t get the gig because I didn’t even know there was a gig to get.

The second query was turned over to a speaking agency that repped me at the time and they buffooned it because they didn’t know how to handle spokeswork. The third time, I turned it over to my publisher’s marketing rep and then discovered that’s it’s against policy for them to represent this kind of work—it’s a conflict of interest. In some cases, it’s even illegal. Oops!

 

Then there was the 4thtime a brand reached out, and I reached out to a group of Advanced Writers and Speakers Association to see if anyone knew a spokesperson representative. I was connected with a reputable agent and she helped me get that first contract that was with MasterCard. She also garnered 25% of my earnings—but 75% of something was better for me than 100% of nothing. Eventually, I was catching items on the spokes contracts that I didn’t want and the agent didn’t always catch them. Since then, I realized that 20% commission is common for gigs that the agent brings the talent and 15% is common for gigs that the talent brings the agent. My business background allowed me to become a master at reading, negotiating and executing my own contracts. But that took years of experience to achieve. At first, I didn’t know what I didn’t know and I paid dearly for it before I got an agent.

Action Item: Make it easy for PR people to find you, add the term “brand ambassador” and “Spokesperson” to your social platforms, website and in any groups where you are a member. Set up a contact form on your website set up a dedicated website if you don’t already have one for your brand–a social platform isn’t enough.

 

Step 2: The Initial Conference Call

Today, I know that 9 out of 10 initial “Pings” or inquiries from an employee at a PR firm or from a corporation do not progress past the initial inquiry. If the brand influencer or spokes agent that answers
the inquiry knows how to manage the initial inquiry, then it can progress to an interview or conference call with the potential client.

It’s during this fact-finding conference call that you (or your agent) let them know who you are, how well you do verbally and what your skill sets look like. They also want to hear what ideas you might have for the project. Creativity is a must during this phase.

It’s also during this phase that you decide if you can get behind the brand or product. I made it a point of never endorsing a product I didn’t wholeheartedly believe in and that philosophy helped me keep my integrity intact. In addition, as a spokesperson agent, I won’t work with potential clients of mine that would take a deal just for the money–endorsing something that is bad for the general marketplace. Integrity matters.

This step is where your agent or other team member does the selling. They do the bragging on you and your abilities while you just talk about your projects and passions. You might also be required to sign an NDA (non disclosure agreement) and that’s not unusual.

Action Item:  Never endorse a product you don’t believe in and keep a high level of integrity. Make a point of eliminating “uhs” and “ums” and filler words like “so” and “yeah.” The overuse of these words make you come across to the client as unsure or lacking in confidence. An organization like Toastmasters is a great place to go in order to learn to master the kind of extemporaneous talk that will occur during crucial conference calls.

 

Step 3: The Money Talk

If the PR firm and/or the client they are representing is interested in you and is seriously considering hiring you as their Spokesperson / Brand Ambassador then they ask what you charge. If you have an agent, they handle the money talk while you remain the happy talent.  At this point a smart brand ambassador or a smart agent asks for a SOW in writing (scope of work), otherwise there can be a he said/she said in terms of what the work actually is during step 4 or step 5.

There’s an art of negotiating a deal and I absolutely love this part of the process—whether I’m negotiating my own deal or one on behalf of my clients. You give a price based on the fair market rates for someone with your following and skill set. I usually start a bit high at this point. It’s a delicate balance because you want to price yourself at the value you are worth without pricing yourself out of the market. I figure if they are interested, then they will be willing to come back during step four and negotiate for a deal within their budget. At this point, instead of a one in ten chance (as in step one) you have about a 50% chance that the deal could go to a contract.

Action Point:  The money talk is a very important part of the process, establish a rate card ahead of time and know what the charges are for different deliverables. Make sure your agent (if you have one) or your other team member has also eliminated the filler speech we previously outlined in step 2’s Action Point.

I’m developing a course and we will get into greater detail when it comes to the money part of the contract. If you are interested in being a part of the initial core team for the “How to Earn a Six Figure Income as  Spokesperson,” then send us an email at assistant@elliekay.com or fill out the contact form.

The PR firm will present anywhere from 3 to 5 different spokespersons to a client as either part of an existing contract (that they’ve already negotiated and secured) or a pitch contract (where they are trying to get business with the client.) Obviously, a secured contract will be more likely to end in a contract for the spokesperson than a pitch contract.

 

Step 4: The Negotiation

After the PR folks have taken your name to pitch to the client, the client may ask for a meeting with you (this only happens about 20% of the time) so that they can decide for themselves. Or, they’ve trusted the PR person, reviewed your media kit and believe you are a good fit.

This step is the reason I decided to become a spokesperson agent because this is the step where brands take advantage of the spokesperson. PR firms are in the business of getting the best value for their client and you can’t blame them for that. But it also means that they try to get the brand ambassador to do more work than they proposed in step 3.  Don’t be afraid of a negotiation, but do be prepared so that you can make the most of the deal that is being discussed.

Action Step:  Read up on how to become a better negotiator, so that you can handle this step if you are representing your own contracts.

 

Step 5:  The Contract

Once you’ve navigated the negotiation, then it’s time to go to contract. Hopefully, you’ll be chosen as the brand ambassador to represent the product, company or goods and services. Be sure you have a professional review the contract and understand that someone who may manage a brand ambassador may not be familiar with the pitfalls of a spokesperson / brand ambassador contract. You don’t know what you don’t know. But making sure that there are NO additional deliverables or restrictions that weren’t disclosed in the negotiation is a basic part of handling the contract. Recently, I was sent a contract on one of my existing clients and it was for a company that we had already signed a half dozen contracts with in the past. To my surprise, there were actually $180,000 in additional deliverables or exclusivity stipulations that they tried to sneak by us in the contract!

Action Item:  Hire a professional to read your contract or partner with a spokesperson agency that can guide you through the sticky wickets of the contract.

 

Coming up next week:

 

We will discuss and define specific deliverables as well as legal disclosures that the FTC requires for all brand ambassadors in order to be in compliance.

 

 

It’s Academy Time! (#USAFA, #USNA, #USMA) – Part 3

The Resume and Essay

In the first two parts of this blog series, we talked about the steps you need to take to help your student maximize their opportunity to get into a service academy. In the third and final part of this blog series, as promised, we are sharing some additional examples of a resume and an essay that helped to successfully secure multiple nominations to multiple academies.

 

The Resume:

Once in high school, the resume fodder begins. Keep in mind that these schools are looking for the “whole person” approach and the resume will need to show accomplishments in academics, athletics, community involvement and leadership. Here is a sample of one of our son’s winning resume that garnered one million dollars in college scholarships from USNA ($425,000), USAFA ($425,000) and UCLA ROTC ($180,000).

Experience:

Lancaster City Youth Commission Chairman (this is legitimate, sworn-in commissioners for Lancaster City. It was after and application process, an interview, and a popular vote to get to chairman out of at least 50 top youth in the region)

Assistant Manager and tutor for Math Magicians in Quartz Hill  (July 2010-present)

Blockbuster Video (August 2009- August 2010)

Intern at the Honorable Buck McKeon’s office in Palmdale, (Summer of 2009)

Captain for DCHS Varsity Volleyball team for 2 years

Captain for DCHS Varsity Mathletes

Current Class Rank: 2 of 107

Cumulative, Unweighted GPA: 3.97, Weighted: 4.2

Over 1250 hours of volunteering since 9th grade

Summer of 2010

–  Attended the United States Air Force Academy Summer Seminar

–  Attended the United States Naval Academy Summer Seminar

2009-2010: Junior, Desert Christian High School

–  ASB, Activities Representative (Coordinator)

–  Vice President of CSF (California Scholarship Federation)(VP of 80+ members)(Is a position for a 12th grader, achieved in 11th grade)

–  Member of NHS (National Honor Society)

–  Varsity Cross Country (Runner, and Manager)

–  Varsity Soccer

–  Varsity Volleyball (Team Captain as Junior)

–  Varsity Mathletes (Starter)(year round)

–  Worship Team, Leader (In charge of 13 musicians), at Desert Christian High School, at The Highlands Christian Fellowship, and at Central Christian Church (playing Guitar, and Bass Guitar)

– Approved Tutor: Chemistry, Biology, Algebra I, Algebra II, Geometry, Physical Science, Math A, English 9, English 10, English 11, Spanish I, Spanish II, Spanish III

– Attended RYLA (Rotary Youth Leadership Awards)(Recommendation from School Administration, then accepted through application process)

Awards for Junior Year:

–  United States Achievement Academy: National History and Government Award in AP United States History

–  United States Achievement Academy: National Leadership Merit Award in Leadership

–  United States Achievement Academy: National Leadership and Service Award for being an All American Scholar

– ACSI Distinguished High School Student for outstanding Achievement in both Academics and for Leadership

(Note: All of these awards are based of raw data [grades, service hours, activities, demonstrated leadership] as well as multiple teacher recommendations. During this awards night, I was one of 3 people, of 400, to receive the last two awards)

2008-2009:, Sophomore, Desert Christian High School

– Varsity Volleyball

– Junior Varsity Mathletes, (Team Captain)

– Worship Team

– Honors English 10, Algebra II, Chemistry (All advanced courses, the only ones offered)

– World History, Spanish II

– California Scholarship Federation, Cabinet, Sophomore Class Representative (3.5 GPA and above)

– National Honor Society (3.2 GPA and above)

– National Honor Roll Award

– Chemistry, Biology, Algebra I, Algebra II, Geometry, Physical Science, Math A, English 9, English 10, English 11, Spanish I, Spanish II

2007-2008:, Freshman, Desert Christian High School

– JV Volleyball

– JV Mathletes

– National Honor Roll Award: Academics, Honor Roll

– Honors English 9, Geometry, Biology, Advanced String Ensemble-Cello (All advanced courses, the only ones offered)

– Spanish I, Freshman Studies (Speech and Health)

– California Scholarship Federation

– Worship Team Member

Education:

– Graduate, Desert Christian Middle School, 4.0 GPA (All A’s, no weighted classes offered)

-Student, Desert Christian High School. Expected graduation: June 2011

Special Awards/Recognition:

– National Honor Roll Award: Academics, Honor Roll

– International Foreign Language Award: Spanish

– Presidential Award for Academic Excellence

– Mathletes, Team Captain, 2007-2008, 2008-2009

– Student of the Month: Leadership (Freshman and Sophomore Year)

– Student of the Month: Genuineness (Junior Year)

– Desert Christian High School Letters:

-Varsity Cross Country, Soccer, Volleyball (2 years)

-Fine Arts (Advanced Strings Ensemble)

-Academics (3.5 or higher) (6 of 6 possible Semesters)

-CSF

-NHS

-Clubs

-Principle’s List: Freshman, Sophomore, and Junior years

The Essay:

It’s never too early to begin to think about what you would like to write in your admissions application essay. These are very important and should be well thought out before submitting. Be sure to have you liaison officer review it before you submit it or ask an academy graduate to help. It also wouldn’t hurt to have a faculty member from your school review it as well. More eyes on the project can mean a broader perspective, but it still needs to be your own voice, so you will have the final word on the essay.

The following is an essay that garnered another one of our son’s appointments to both USNA ($425,000) and USMA ($425,000) .

The Essay – Following in a Father’s Footsteps

In the military lifestyle, heroes beget heroes. There are so many families that have a history of military service, and oftentimes, military “brats” will grow into adults who have the desire to serve, as well. Here’s is Philip’s essay:

Growing up in a military home, I saw very little of my father at times. As an officer, he was often gone taking care of his troops, performing his duties, and faithfully serving his country. I never truly understood why he did what he did until his dream became mine. When I walked on the campus of the Naval Academy this past summer during the Summer Leadership Seminar, I saw greatness. I saw an institution that taught men and women to be leaders, thinkers, and people of character. But most important, I saw my cadet commanders as men of high leadership with a servant’s heart. They put our comfort ahead of their own, as my father did with his men.

All my life I have dreamed of one day leading hundreds or possibly thousands of men and women. I have sacrificed much in the process of becoming a competitive candidate for the academy. It was not Summer Leadership School that made me want to be in the military, it was my father’s integrity and service. However, it was the midshipmen that I met that made me determined to attend Annapolis. It was my goal to become an officer; now it is my goal to become a warrior and a gentleman, in the finest sense of the word. To learn “Integrity first, service before self, and excellence in all we do.” I desire to carry on the legacy of the service academies and to achieve a sense of accomplishment that no other college or career can offer.

Many nights I would stay up late, wondering if my father would come home or be deployed. I wondered if he was okay, or if it was his life that had been taken in one of the plane accidents that occurred in his various Air Force squadrons. However, these experiences did not make me turn against the military—it was quite the opposite. I began to see my father as someone very different from my friends’ fathers. I saw him as a warrior and a true hero. So many times I read about or see the actions of evil men. These are men who would not hesitate to strike down those whom I have come to love and cherish. I knew there was only one thing standing between me and those men—it was my dad. It was men like my father and those with whom he served that rose to stand up to people who seek to destroy everything we hold dear. I knew that I was called to be one of those men who took a stand, and I know it is the service academies that will teach me to stand, and to stand strong and proud.

“The ultimate measure of a man is not where he stands in moments of comfort, but where he stands at times of challenge and controversy.”—Martin Luther King Jr.

It’s Academy Time! (#USAFA, #USNA, #USMA) – Part 2

In part one of this series, we looked at the process and requirements to get into a service academy. This is the second part of a three part series on how students can get into service academies shared from the perspective of a mom of three Academy appointees (#USNA-2011; #USAFA 2015, #USMA 2017) and also a woman who happens to be an Admissions Liaison Officer for the United States Air Force Academy. 

Nominations and Appointments 

Admission to one of the service academies requires both a nomination from one your nominating authorities and an appointment from the academy the child wishes to attend. I would strongly suggest that the child also contacts your Congressman and Senators to request a nomination and contact the academies to express their interest. There are also Vice-Presidential and Presidential nominations available. If the student is the child of a retired military member or an active duty member currently serving with at least 8 years of service, then they should also contact the academy directly to apply for a Presidential nomination. Furthermore, a child would also qualify for the Presidential process if their parent is currently in the reserves serving as a member of a reserve component and credited with at least eight full years of service (a minimum of 2880 points).  Both of our sons competed to receive these nominations. They are limited in number and highly competitive, but well worth the effort.

To apply for a nomination through a congressional office, you will be required to completely fill out an application packet (see your representative’s website). To be eligible for appointment, you must be an American citizen, at least 17 years old and not yet 23 years old on July 1 of the year you enter an academy. Also, you must have no legal obligation to support children or other dependents.

All applications are usually due in October. Then the offices will conduct interviews during the months of November and December. The nominations will be announced in January.

The Interviews

If you are a prospective candidate for any of the military academies, you can anticipate two of the most important interviews you will ever have in your life: the Congressional or Senatorial Interview and the Liaison Officer interview.

Come to these interviews in a suit with short hair if you are a male and a conservative hairstyle if you are a female. Sometimes the interview can make or break a candidate’s chances of garnering an appointment if all other aspects of the competitive field are equal. A good interview can make you stand out or fall out—it all depends upon the amount of work you put into it.

As an ALO, I advise my candidates to write out answers to the following questions and practice them by themselves in clear, direct, brief answers. The next step is to go over the Q&A with a parent and solicit their inputs on how to improve the interview skills. Ask the parent to count the number of “uhs” and “ums” and “likes” to remove these from your vocabulary.

Next, ask your school counselor or Scout Master to set up a mock interview with teachers and administrators (or JROTC commanders) to go over these questions. Then, you’ll be prepared to knock it out of the park in your real Congressional or Senatorial and Liaison Officer Interviews.

Interview Practice Questions

These are not necessarily the interview questions you will receive in your evaluation interviews. But if you know the answers to these (especially those highlighted), then you’ll be well prepared for a panel of interviewers as well as a one on one with your Liaison Officer.

Why do you want to go to the Air Force academy?

Why do you want to serve in the military?

What are your greatest strengths?

What are your greatest weaknesses?

What accomplishment are you the most proud of?

What do you want to do in the Air Force and what is your backup plan if you cannot fly?

Who is your favorite leader?

Define integrity.

Define leadership.

Rank the service academies. Why do you rank them this way?
If not an Academy, how about ROTC? Why or why not?
When and how did you first get interested?
Describe your typical daily schedule.
How does your family feel about this?
Which parent or other adult has the most influence on you?
Have any relatives or friends of the family attended one of the academies? Who do you know in the military? What have you learned from them?

What will be your career? Why?
How long do you think you’ll remain in the military?
What’s the importance of integrity in the service? Examples?
Favorite subjects in school?
Describe your extracurricular activities.
What do you read for enjoyment? Why?
What community service do you do? Why?
How would your best friend describe you?
Who motivates you the most?
Describe your leadership style.
Are you a good follower?

What is your best leadership example?

Your worst? Your hardest leadership experience?

Explain the Academy’s Honor Code.*

*Look this up online to know the Honor Code.
Describe your sports participation.

What are your major life goals?
What have you done to research more about the Academy? The Service?
What is the best thing you have to offer to the Academy?
Describe a time you tried to lead but failed. What did you learn?
Describe your worst stress situation.
Give examples of how you’re a self-starter.
To whom do you look for good advice?
How do you manage and organize your time?
What’s the purpose of the US military?
What changes has the US military been through recently?
What changes will the US military soon have to adjust to?
What would your harshest critic tell us about your potential at an Academy?

If you could do one thing over in your life, what would that be? Why?

The Liaison Officer

Each military academy will assign an officer to assist you in the process of applying.  The McCormick brothers featured in the picture were two of my candidates as an ALO. Each Academy has a different title for their respective liaisons:

USNA: Blue and Gold Officer

USAFA: Admissions Liaison Officer (ALO)

USMA: Military Academy Liaison Officers (MALO)

Merchant Marine Academy: Admissions Field Representatives

Coast Guard Academy:  Military Fairs Liaison Officer – (Please note this academy does not require a congressional nomination.)

In addition to having to meet certain physical requirements, you will also have to be interviewed by this intermediary. I would encourage you to attend service academy nights that are hosted in your community and where you can speak with these officers. Our son’s “Blue and Gold” representative, LTC Jerry Geil, USMC (Ret), was an outstanding inspiration as he interviewed Philip for his candidate requirement. Make good use of your liaison. One will be assigned to you and should contact you once you have applied as an applicant.

Summer Leadership Seminar – For High School Juniors

In the summer between a student’s junior and senior year, each institution hosts an excellent program that provides an “up close and personal” view of the academy. These seminars are where your hero at home can compete to attend that will give them an idea of what life is like at that institution and it will also look great on a resume.  These applications are usually available in January at the academy’s website and should be turned in as early as possible. The applications are so involved that some have said they are an excellent precursor to the final academy application. Also, you will be in the system and a lot of this information will transfer over into that directory. Two of our sons attended two different academy summer seminars and it actually changed the mind of one of our son’s as to where he would attend. So feel free to look at more than one option. You will have to pay transportation to/from the academy as well as a camp fee ($300 to $400).

Join us next time for part three of this series, which will feature samples of the essay and the resume.

Please feel free to share this with a bright young person who might want to attend a service academy and please don’t forget to share your insights of what worked for you or your student when they got into a service academy!

It’s Academy Time! (#USAFA, #USNA, #USMA) – Part 1

This is the Academy time of the year—no I don’t mean the heat of summer, although this time of year is lovely in Southern California. But I mean it’s the time of the year when students begin to fill out applications to compete to get a little piece of paper in the mail worth more than $425,000. This would be an appointment to the Air Force Academy in Colorado Springs, the Naval Academy in Annapolis, West Point in New York or the Merchant Marine Academy and the Coast Guard Academy.

As both an ALO (Admission Liaison Officer for the Air Force Academy) and a mom of three sons who went to academies, I’m here to say that this is a VERY exciting time for applicants to work toward their appointment! I remember when my sons received theirs, we ate on “Happy Plates” (a Kay family tradition when we celebrate a family member achievement). If someone in your world is interested in pursuing this kind of a dream, then share the following insiders tips with them to maximize their opportunities to succeed.

 

Service Academies and Military Funded Education

A couple of our sons garnered one million dollars in scholarship offers, and in both cases two of those offers were from federal service academies.  These are highly competitive and look at the whole person. So it’s not enough to be a brainiac, they are also looking for students who are exceptional in the area of athletics, community involvement and leadership.  In return for this amazing education valued at $425,000, your student will be required to serve in the military for their “commitment” period. The commitment is a minimum of 5 years of service and can be longer, depending on a number of factors in regards to additional training after graduation. For example, our Air Force Academy grad owes 10 years of service because he went to pilot training to fly the F15E Strike Eagle.  If you have a “hero at home” who wants to go to a service academy, there are several things to keep in mind.

One of the first places to visit is your service academy’s admissions site:

USAFA – The United States Air Force Academy

USNA – The United States Naval Academy

USMA — The United States Military Academy

USMMA (Merchant Marine)

Coast Guard Academy (does not require a congressional nomination)

From Prospect to Appointee:  

  • Prospect:  A student who has filled out the initial response form showing interest. This means they are essentially on an admissions mailing list. You can fill this out as early as middle school by going to the academy’s website.
  • Applicant: The individual has filled out a pre-candidate questionnaire and provided initial info on PSAT/SAT/ACT scores, grades and extra-curricular activities. This is usually done NO LATER than the spring of their junior year. This is also the time to contact your congressman and senator in regards to a nomination. In addition, if the student’s parent is qualified for a Presidential nomination, (see nominations and appointments below) then the student can contact the academy directly to pursue this nomination as well.
  • Candidate: To move from applicant to candidate indicates that you have cleared your first competitive hurdle. This step is decided by the Academies admissions staff in the early summer of a student’s Senior year. Not all students will get to this point, but this is when they will be interviewed by the Academy Liaison Officer (or the equivalent). It is from this list that appointments will be offered as early as the fall. For example, one of our sons was offered an USNA appointment by October.
  • Appointee – This means that the candidate has been offered an appointment into the Academy. They can choose to accept it or turn it down, but it means they have not only received an official nomination, but they have also been approved by the Academy’s admissions board and offered an actual appointment.

Basic Requirements

It’s important to check the specific military academy website for updated information on your desired academy, but in general, here are the basics that you will need before you even consider applying:

  • A United States citizen
  • Unmarried with no dependants
  • Of good moral character
  • At least 17, but not past your 23rd birthday by July 1 of the year entering.

Recommendations

Because it is so incredibly competitive to gain entry into a service academy, the following high school courses will help make the applicant more competitive:

  • Four years of English
  • Four year of college-prep math
  • Four years of lab science
  • Three years of social studies
  • Two years of a foreign language
  • One year of computer study

Character

One of the academies defines character as “One’s moral compass, the sum of those qualities of moral excellence which compel a person to do the right thing despite pressure or temptations to the contrary.” (USAFA) They also define leadership as “The process of influencing people and being responsible for the care of followers while accomplishing a common mission.”  These academies are looking for future leaders with the highest moral character possible.

Diversity

Academies are looking for people from a wide variety of life experiences and the word “diversity” at these institutions no longer applies exclusively to race or cultural background. USAFA defines diversity as: “a composite of individual characteristics that includes personal life experiences (including having overcome adversity by personal efforts), geographic background (e.g., region, rural, suburban, urban), socioeconomic background, cultural knowledge, educational background (including academic excellence, and whether an individual would be a first generation college student), work background (including prior enlisted service), language abilities (with particular emphasis on languages of strategic importance to the Air Force), physical abilities (including athletic prowess), philosophical/spiritual perspectives, age, race, ethnicity and gender.

Join us again for part two of this blog series when we will cover nominations and appointments, The Liaison Officer, and Summer Leadership Programs. Please share this blog with someone you know would love to attend a service academy and who has the potential to be among the best and brightest in our nation who will be offered appointments.

5 Do’s and Don’ts For a Smooth Transition to College or A Service Academy

When my daughter, Bethany was 4 years old, we called her “Bunny” because she hopped from heart to heart. She loved to play with her little girlfriends and one afternoon she spent the entire afternoon with Amanda. She was a little girl who felt life deeply and could go from being on top of the world to the depths of despair in nanoseconds.

When I picked her up from her friend’s she bounced to the car and chatted all the way home. We walked in the door and I asked her how Amanda’s older sister was doing. Suddenly, she began to sob, uncontrollably.

“What’s wrong, Bunny?” I handed her a Kleenex.

“I don’t want to leave you, Mama!” she wailed.

“Why would you think you have to leave?” I was really confused.

She looked at me through her tears, “To go to COLLEGE.”

Apparently Amanda’s older sister was preparing to move to go to college and Bethany couldn’t imagine a day when she would have to leave her Papa and myself to go to school. The good news is that fourteen years later, she was a little bit more prepared when she moved from California to Chicago to go to college. She got a B.A. in Communications, with an emphasis in Electronic Media and was in her element.

Today, Bethany and I host The Money Millhousepodcast and still get just as emotional, on occasion, while putting her college degree to good use. We made a point of preparing Bunny and all the Kay kids for college, long before they went to Freshman orientation. Three of the Kay kids went to service academies, which meant they only had less than a month at home after high school graduation.

Whether you are prepping kids to go to a civilian university or whether they are going a service academy like three of our sons (USMA, USAFA, USNA) here’s some “homework” in the form of five do’s and don’ts to make a smooth move.   

  1. Don’t – Fill up free time with friends at the expense of family. 
  • Friends come and go but family is forever.
  • Only a small percentage of your friends from high school will still be your BFFs throughout college. Less than 2% of boyfriend/girlfriend relationships will last until college graduation.

          Do – Tell your mama (and papa) that you love them early and often.

  • Mend fences and build bridges with family members.
  • Expect there to be some pre-separation anxiety on both sides (parents and kids) so give each other a lot of grace.
  • Students, please understand that this is hard on your parents, especially if you are moving away to go to school.
  • Parents, understand that this is hard on your kid because they are about to go do something they’ve never done before. For those going to service academies, it’s going to be big and scary and you won’t be there.
  • Students, take the time to thank your parents, grandparents, friends, educators and coaches.
  1. Don’t – Take a break from physical fitness, especially if attending a Service Academy.
  • My husband, Bob, and our son, Jonathan, went to The Air Force Academy and they used to say that “The Air Force Academy is at an altitude of 7258 feet—far far above Annapolis or West Point.” That’s why physical fitness was important.
  • If you’re going to a service academy, you’re going to take a Physical Fitness Test as soon as you get there.
  • Engage in risky behavior, now is not the time to push the limits legally or physically. Don’t take up space jumping or quad racing because a broken limb could cost an appointee their service academy appointment.

          Do – Continue to workout and make wise choices.

  • Physical fitness is a healthy way to cope with pressure in college.
  • Even if you go on a family vacation or have a lot of things to do.
  • For service academy appointees, run 3 miles 3-4 times a week and then do 50 pushups and 50 sit ups every day.
  1. Don’t – Make this all about you.
  • Parents, don’t create drama before they go or after they’ve gone.
  • Moms, don’t sob and cry and tell them you don’t’ know how you’re going to survive without them. Shedding a few tears is OK, but doing what Oprah calls “the ugly cry” isn’t all right.
  • Parental, sibling or significant other drama is a distraction to the service academy appointee going through basic cadet training or “beast.” Distractions can lead to accidents and accidents can lead to a turn back (meaning they have to go home.)
  • Don’t post a bunch of “poor me-isms” on social media

          Do – Keep it positive. 

  • Right now, service academy portals will have a mailing address for the student. Give this address to friends and family and with your network because cards and letters mean everything during basic training. “Basics” aren’t allowed access to computers, phones or social media.
  • Do send simple cards and letters – no perfume on the cards, no kissy marks on the envelopes, no care packages during beast, and no food. After beast is over, you can send these.
  • Do tell your student funny stories about a younger sibling or the dog.
  • Do send pictures of the dog or pet.
  • Do keep it light and not heavy.Students, do make your social media channels private or have them go dormant.
  • Do clean up these channels because you never know what the cadre will get ahold of and you don’t want to embarrass yourself or become a targ
  1. Don’t –Be Han Solo – you don’t have to do this alone.
  • My husband’s advice to our sons for basic cadet training was. “Keep your mouth shut and help your classmates.”
  • Don’t stand out as the first, the most knowledgeable or the best or worst
  • For parents, don’t go this journey alone, join a parents club or booster club.
  • Remember, parents, sometimes you don’t know what you don’t know.

          Do – Be a team player.

  • Look for ways you can help others get through Beast.
  • The friendships you make in BCT and college will last a lifetime. My husband, Bob and I just had dinner with a classmate of USAFA class of l978.
  • Do take advantage of the sponsor family program, a program that allows local families to “adopt” a cadet or midshipman.Some of these friendships may become like a second family—or at least get you to the airport.
  • Parents, do join a parents clubfor your respective service academy. Your civilian friends don’t get it, other service academy parents do understand the unique situation your family faces.
  1. Don’t – Ever forget the “why” of what this education and your career means.
  • Service Academy Appointees are choosing something hard, something their civilian friends will never understand, but there’s a big “why.” They want to serve their country as officers.
  • During BCT and during your 4 years there, you’ll have to sometimes take life a meal at a time, a day at a time.
  • Parents, don’t forget that being a good parent means you let them fly and you support their choice to serve. You don’t have to like it or feel good about what those choices may include.
  • Parents, DON’T borrow tomorrow’s trouble. While they are there, they are safe, they are not deployed, they are not in harm’s way. Today has enough challenges of its own without borrowing on tomorrow. As long as they are in training, they aren’t in combat. If and when that day happens, you’ll have the strength you need to cope. We know this, having had one son serve in a combat zone in both Afghanistan and Iraq.
  • Appointees, remember your goals in getting through BCT and the academy—to fly, to serve, to go into cyber security or intel, or missles or space. Your goal is much bigger than BCT and that’s why you’ll get through.

Do –  Remember the Legacy

  • You are part of a long line of military service.
  • Think about the parents, siblings, grandparents, aunts or uncles who have ever served. You are part of that legacy.
  • Your legacy keeps American free.
  • Putting on a uniform doesn’t make someone a hero, but those who put on that uniform and serve with integrity first, service before self and excellence in all they do—that’s pretty heroic.
  • There’s another kind of hero as well, the Heroes at Homeand those are the parents, siblings, grandparents and family members of those who serve. America thanks you as well. 

“It starts and ends with character, and it’s a journey, not a destination. Leadership is a gift, and it is given to us by those who follow.”

General David Goldfein

Air Force Chief of Staff

Memorial Day and National Poppy Day

Gold Star Family

Being part of a gold star family is like being part of an honored and exclusive club—but one that no one wants to join. The gold star indicates that a member of that family died while serving their country. We are a three-star blue star family, which means that we currently have three family members serving with sons in the Marines, Air Force and Army. We’ve weathered deployments to Afghanistan and Iraq—praying our way through each day they were there. We never want to add another gold star to our family.

Yes, our family is a gold star family because of my Grandfather, SSGT Walter Rawleigh, a bombardier on a B-24. He was on his 47thmission in Madang, Papua New Guinea. Fully gassed and loaded with bombs, the “Cisco Kid II” had an engine malfunction on take-off and crashed into an encampment of Seabees having breakfast. Ten members of the crew and 165 Seabees suddenly died that day. Obviously, I never knew my grandfather and my dad was a young child when his father perished. I know that my father, Chief Master Sgt Rodger Rawleigh, USAF (Ret) was inspired to serve because of the fact his dad never came back from war.

 

Memorial Day

Memorial Day is about gold star families and should not be confused with Veteran’s Day. The latter is a day which honors all who have served in the United States military. A memorial is a remembrance of those who paid the ultimate sacrifice. It’s not a day to say, “Happy Memorial Day,” even though many Americans have a day off. Many will use that time to picnic and enjoy their families and friends. In fact, the original tradition of this day was to eat a picnic while sitting on the grounds of a cemetery.

This national holiday was first recognized by Congress in 1971 and before that time it was known as Decoration Day, which originated shortly after the Civil war. Besides my Grandfather’s tragic accident, 645,000 Americans have given their lives in defense of our freedoms. What can we do to appropriately honor those who died? I’m glad you asked.

 

The Poppy

 Honoring our fallen with a poppy is a tradition that was inspired by the poem crafted in 1915
entitled, “In Flanders Fields.” It was written by Lt. Col John McCrae after he lost a friend during WWI.  McCrae’s poem inspired Moina Michael, an American professor and volunteer for the American YWCA, to write a response poem, “We Shall Keep the Faith,” vowing to wear a red poppy as a symbol of remembrance.

Michaels campaigned to have the red poppy adopted as a national symbol of remembrance and, with help from Anna Guerin and the 1920 National American Legion Conference, the poppy became the official symbol of remembrance.

But it’s not limited to our country, the poppy is used as a symbol of remembrance all over the world. In fact, Friday, May 25, 2018, is National Poppy DayTM, which was first recognized on May 26, 2017. Along with the American Legion, we encourage people to wear or display a poppy on this day to remember those who lost their lives in battle.

 

Virtual Poppy Field

I invite everyone to join the conversation online using #honorthroughaction and share your story. What does Memorial Day mean to you? Who are you honoring? You can visit www.poppyinmemory.com to dedicate a digital poppy to a fallen hero or as a gesture of appreciation for those who have sacrificed all. It only takes minutes to participate and I want to thank USAAwho are sponsoring this initiative and for all their help in Heroes at Home.

Honor the fallen today.

Mother’s Day and Working Mom’s – What Is Your Time Worth?

When I married my husband we had five babies in seven years and moved eleven times in thirteen years. I also had two stepdaughters for a total of 7 children to support. I left a nice job as a broker to have a more rewarding career as a SAHM (stay at home mom). One of the questions that I frequently heard was: “Do you work?”

“What do you mean do I work?” I would think even though I politely answered, “Yes, I work very hard as a stay at home mom.” Sometimes, an unsuspecting troglodyte would go on to say something totally thoughtless such as “Well, I meant do you really work. Do you have a job?”

I would bite my tongue until it bled….

What I wanted to say was, “What do you mean do I really work? I work a heck of a lot harder that you do, mister! I’m an accountant, a contract administrator, a chauffeur, a teacher, a nurse, a soccer mom, a stylist, a wife, and a chef! Plus ten other job specialties! I do all these things as a mom—I’M A CEO MOM, MISTER!”

They usually didn’t ask the same question twice.

These days, as a financial writer & speaker, the Founder of Heroes at Home, podcast co-host at The Money Millhouse, a Admissions Liaison Officer, —and a mom, I’ve talked with scores of spouses who work outside the home because of the status of our economy and by necessity–not choice.

Each year, Salary.com issues a report on what a mom’s time is really worth. According to this site, “Based on a survey of more than 40,000 mothers, Salary.com determined that the time mothers spend performing 10 typical job functions would equate to an annual salary of $112,962 for a stay-at-home mom.  That’s a lot of worth associated with this great job of motherhood!

What is your time worth? You can log into a calculator that tells you what you would be paid on the economy for all the work you do as a SAHM or as a mom who also works outside the home and inside the home!

How effective is the mom’s work outside the home? Does it pay to work in today’s economy with rising prices and a modest hourly wage? Many spouses who move frequently do not often have the luxury of annual pay raises at the same company. For example, let’s look at Jennifer.

Jennifer was an administrative assistant who needed to work outside the home to make ends meet. She made an average wage of $9.50 per hour and felt she contributed greatly to the family’s finances. She only had one child in day care, traveled a short distance to work, and paid no state income taxes. Then Jennifer attended one of my Living Rich for Less seminars and was challenged with the idea of “crunching the numbers.” She completed the “Working Mom’s Compensation Chart” and was shocked.

The amazing fact Jennifer discovered was, by working full time–she was making $3 per week! She didn’t realize how those extra pizza nights (because she was too tired to cook), and the trips to the beauty salon (to maintain a professional hairstyle), and all those lunches (away from home) added up! She realized she needed to make some dramatic adjustments. She decided there was a better use of her energy and quit her job outside the home.

But Jennifer didn’t stop there. She implemented some money savings strategies found on this blog and is making ends meet at home. She has less stress in her life and the freedom to contribute to her family’s financial needs through saving money and by launching her own homebased writing business. In her case, a penny saved was more than a penny earned.

For more info on how to  plan for  a new baby,

listen to The Money Millhouse  episode with Tonya Rapley  

Once you come up with a figure, ask the big question. Is my time, energy and effort worth ______ dollars a week? It may be worth it and that’s great for you if it’s your choice.

Whether you are a SAHM or a mom who works outside the home—you’re work is priceless in terms of all you do for your family and for others. You deserve a Happy Mother’s Day! Thanks for your hard work, you’re leaving a legacy through your children that will last for decades to come.

Ellie Kay

America’s Family Financial Expert (R)

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