"The Bus to Beulah"
by E.C. Hanes

On her way to a new job in America, Maria Puente accidentally discovers a human- trafficking ring. Fearing exposure, the American company that manages it kidnaps Maria.

Maria's disappearance triggers a desperate search to find her before the kidnappers can permanently dispose of her. As the investigation unfolds, longtime Hogg County high sheriff Will Moser confronts Albert Waters, a powerful businessman who Will suspects knows about Maria's disappearance -- but Albert and his Mexican cartel partners prove to be brick walls.

Will calls on Elijah Kahn, a man he got to know while serving in Vietnam who now runs one of the world's largest international security firms. This taut thriller culminates in a heart-pounding chase to save Maria. Purchase athttps://amzn.to/3dMQfBs .

"Blockchain Ethics: Fighting Honorable Battles"
by Jamil Hasan

A continuation of the Blockchain Ethics consumer guide series that author Jamil Hasan first penned in 2018. He continues to address important trends in the media plaguing the retail consumer's ability to effectively and accurately understand the benefits of cryptocurrencies and blockchain technology: specifically, media disinformation and misinformation.

The author examines the more than 400 times that Bitcoin has been pronounced dead by "experts" in the mainstream media and dispels Bitcoin's demise by sharing excerpts from guests' podcast interviews while hosting them at the weekend Crypto Corner Podcast. He tackles conversations with entrepreneurs, founders and business leaders, providing readers with an ethical guide to understanding Bitcoin, free from media bias against the popular cryptocurrency. Purchase at https://amzn.to/35UgFAZ.

"A Promise for His Daughter"
by Danielle Thorne

His latest project has a two-year-old surprise.

Fatherhood wasn't what Bradley Ainsworth expected to find at Henny House. The run-down Victorian is his best shot at proving himself as a historic renovator, but the new owner has no interest in recreating the past. Claire Woodbury and her foster daughter, Emily, are focused on the future -- until everyone learns that Emily is Bradley's daughter. Does that future have room for him as a father…and more?

The author has written more than 25 books including, romantic adventures and historical novels. This book is part of the Love Inspired Inspirational Romance Series, in which readers fall in love with stories where faith helps guide them through life's challenges, and they discover the promise of a new beginning. Purchase at https://books2read.com/DanielleThorne.

"The Prison Minyan"
by Jonathan Stone

Welcome to Otisville, America's only Jewish prison . . . rugelach, blintzes and a quest for vengeance from the highest tier of the US government. A crew of fraudsters, tax evaders, trigamists, and forgers discuss matters of right and wrong in a Talmudic study and prayer group, led by a rabbi who's a fellow convict.

As the only prison in the federal system with a kosher deli, Otisville is the penitentiary of choice for white-collar Jewish offenders. When the regime is toughened to punish a newly arrived celebrity convict who has upset the 45th president, they find devious ways to fight back.

Stone brings the sensibility of Saul Bellow and Philip Roth to the post-truth era in a sharply comic novel that is also wise, profound and deeply moral. Purchase at https://amzn.to/367Xwf7.

NOTE: BookBites is presented by BookTrib.com.

(NewsUSA) - Creating a financial planner workforce that reflects the changing demographics of wealth in the United States is important for ensuring the long-term success of the profession and the ability of Americans to access the advice they need.

In recent years, significant progress has been made in attracting more women, people of color, and young individuals into the field. The number of CFP® professionals under age 30 has increased by 83% since 2016; 6,032 new women have joined the ranks of CFP® professionals, bringing the total to 20,632; and the number of Black and Latino CFP® professionals , including those who self-identified as biracial Black and Latino, grew to 3,688 in 2020.

Recruiting, however, is just one piece of the puzzle.

Creating a more diverse and sustainable workforce also requires cultivating an environment in which financial planners want to build a career.

"As awareness of the financial planning profession continues to spread and we attract more ethically and racially diverse talent, the challenge continues to be retaining and supporting these thriving professionals," explains Rianka Dorsainvil, CFP®, Co-CEO of 2050 Wealth Partners.

In part, such support means helping financial planners feel comfortable in the field and recognize the unique skills and perspectives they bring.

"Even though I didn't necessarily look like most everyone else in the profession, I wish I realized then the power of being able to connect with someone who shares my background," says Marguerita Cheng, CFP®, CEO of Blue Ocean Global Wealth.

"There are many people from different walks of life who could benefit from the services provided by a financial planner. And the personality traits that might appeal to one person or demographic, may not resonate quite as well with women or people of color," Cheng says.

Jeanne Fisher, CFP®, CPFA, with Strategic Retirement Partners, notes that this is why financial planners need to harness their differences.

"Being a woman can be an advantage -- not a disadvantage. Embrace it. Don't try to 'fit in with the guys.' Our different approach, and the fact that we are naturally more empathetic, works in our favor," she says.

Early in her career, Dorsainvil says she felt that "in order to fit in I needed to code-switch. I could not be my authentic self." Not only was it exhausting to constantly change mannerisms or appearance to feel like she belonged with a specific audience, Dorsainvil says doing so also ignored the fact that no matter where you come from, what you look like, how you grew up or your circumstances, you can be successful in this profession for who you are and what you bring to the table.

Dorsainvil adds that overcoming that mindset and the barriers that keep women and people of color from entering or staying in the profession requires allies in the financial advisory space to act in solidarity with marginalized groups and unlearn what they think they know about race and ethnicity.

Phuong Luong, CFP®, a financial planner with Just Wealth, LLC, explains that this means having difficult conversations.

The profession "cannot truly be inclusive until we see why we've been exclusive for so long," she says, adding that financial planning as a whole is in a unique and privileged position to facilitate the reckoning that will ultimately help people become the most honest and realized versions of themselves

"If we get comfortable talking about race, imagine what we could do."

To learn more from diversity, equity and inclusion thought leaders and best practices visit www.CFP.net and plan to attend the 4th Annual Diversity Summit, taking place virtually November 17-18.

(NewsUSA) - (NewsUSA) - Financial planning can be complex, so when you seek guidance in planning your financial future, it's essential to work with someone you can trust.

A CERTIFIED FINANCIAL PLANNER™ professional makes a commitment to CFP Board to act as a fiduciary, which means acting in their clients' best interests at all times when providing financial advice. You should want a financial adviser who makes this commitment directly to you. Therefore, whomever you choose as your financial professional, including a CFP® professional, you should consider getting a written engagement that requires them to have a fiduciary obligation to you.

Professional standards are important to protect consumers. CFP Board's Code and Standards sets forth the commitment that all CFP® professionals make to CFP Board. This includes duties to maintain the confidentiality and protect the privacy of client information.

In addition, CFP® professionals commit to CFP Board to disclose any conflicts of interest that might affect the professional relationship and compromise the CFP® professional's ability to act in their clients' best interests.

Approximately one year ago, CFP Board updated its Code and Standards to mandate that all CFP® professionals commit to CFP Board to act as fiduciaries for their clients when providing financial advice.

"Simply put, someone acting as a fiduciary should deliver financial advice that is clear, specific, objective and thorough," says Dan Candura, a CFP Board Emeritus® member and Founder of Candura Group, LLC.

Professionals who follow CFP Board's Code and Standards commit to fulfilling three key duties as part of their fiduciary duty:

- Duty of Loyalty. This means putting their clients' interests first.

"Your interests should be placed above the interest of the CFP® professional and the CFP® professional's firm," according to CFP Board's website.

- Duty of Care. This means being careful, acting with prudence and diligence in making recommendations to clients.

For example, if you receive a sudden windfall of money that you want to delay investing, a CFP® professional who abides by a commitment to CFP Board will review the reasonable options and consider factors such as risks and interest rates in making the best recommendation.

- Duty to Follow Client Instructions. This means complying with all objectives, policies, restrictions, and other terms on which you have agreed, and "all reasonable and lawful directions of you, the client," according to CFP Board.

"Meeting these three duties enables CFP® professionals to honor their commitment to CFP Board to act as a fiduciary, in the client's best interest. Certainly, that is what every client deserves," Candura says.

To learn more about how CFP Board's Code and Standards for CFP® professionals help protect consumers, visit LetsMakeAPlan.org.

(NewsUSA) - As we celebrate Women's History Month, we take time to reflect on the important contributions women of different backgrounds have made to our country and on the importance of diversity and inclusion in our communities and economy.

We should also celebrate the women serving their communities as financial planners and emphasize that gender diversity and inclusion in the financial planning profession is very good for business.

Attracting and retaining an inclusive, gender-diverse financial planner workforce that better reflects the United States population's shifting demographics has been a central, profession-wide focus in recent years, particularly following the 2015 launch of the CFP Board Center for Financial Planning. The Center is driven to create a more diverse and sustainable financial planning profession, working to provide financial planning advice to all Americans who need it -- regardless of their background or personal financial situation.

Here are some reasons why women benefit from financial planning and why more women need to become financial planners:

• Financial planning helps women achieve their financial goals. Talking to a CERTIFIED FINANCIAL PLANNER™ professional is a smart investment for women at any stage of life. If you are just beginning your career, a financial planner can help with paying your bills, managing debt and saving for your future. As you get older and your financial life becomes more complicated, a financial planner can help you determine your financial priorities and juggle competing needs. Whether buying a house, navigating a career transition, saving for your kids' education, or enjoying a fulfilling retirement, a sound financial plan grows with you and can be adjusted as your needs and goals change.
• Financial planning gives women confidence. All women should have access to a competent, ethical financial planner who can provide guidance for making complicated financial decisions, so you can have less stress, more confidence and more time to focus on other things. No matter who you are, financial planning can provide financial security for you and your family.
• Financial planning should reflect women's increased buying power. Women are an increasingly important demographic for the financial services industry. They compose 51 percent of the U.S. population, and not only outnumber men in graduating from college, but also represent the majority of the workforce. Women now have increased buying power and make most consumer purchasing decisions for their families. Additionally, the economic challenges during the COVID-19 pandemic have highlighted the importance of competent, ethical financial planning.

Women today recognize the need for financial advice and the benefits of working with a CFP® professional. This need will go unmet unless the population of CFP® professionals more closely reflects the demographics of the public they serve.

We are making progress. By the end of 2020, the number of female CFP® professionals increased to an all-time high of 20,633 - 23.3 percent of all CFP® professionals -- reflecting growth of 3.1 percent since 2019. It's a significant milestone, but we will continue to work hard to achieve gender diversity and inclusion in the financial planning profession.

To find a CFP® professional near you, visit letsmakeaplan.org today to get started.

Jocelyn D. Wright, CFP® is special advisor for gender diversity for the CFP Board Center for Financial Planning.

(NewsUSA) - If you're looking for a rewarding career complete with growth potential, and the satisfaction of helping others, financial planning could be your perfect fit. From striking out on your own to working at firms big or small helping families and individuals meet their financial goals and plan for the future, there are a variety of career options within the profession.

Today more than ever, diverse candidates can find myriad opportunities to enter and flourish within the financial services profession. An increasing number of firms that hire financial planners have implemented robust initiatives to foster greater diversity among their workforce and alleviate barriers to entry. These hiring initiatives don't show signs of slowing, as demand for competent, ethical financial advice continues to grow. In fact, the Bureau of Labor Statistics projects the need for an additional 11,600 advisors by 2029.

By joining the field, diverse graduates can help ensure the workforce is more representative of the population it serves while also better reaching and assisting diverse communities. Monique Jones, a student at North Carolina State University, explains that these factors were key in her decision to work toward entering the financial planning profession. "I aspire to aid in improving the accessibility of the portfolio of services offered by the industry to underserved and under-sought communities," she says.

Those interested in pursuing the profession can further distinguish themselves with potential employers by becoming a CERTIFIED FINANCIAL PLANNERTM professional, also known as a CFP® professional. CFP® professionals must meet rigorous education, experience, and ethical qualifications, and employers are increasingly seeking out the certification as the most desired credential in the financial planning field.

What's more, 83% of today's CFP® professionals say they have a competitive edge over other financial advisors, while 86% report that certification has had a positive impact on their career satisfaction. William Ohakam, who received a 2019 Envestnet scholarship to help defray the cost of becoming a CFP® certificant, explains that "obtaining the CFP® certification will enable me to provide additional value and create a more in-depth wealth management experience for my clients."

According to Yorri Berry, a 2020 Facet Wealth Scholar, becoming a CFP® professional means more than just a boost in the hiring process. "This investment will allow me to spend my career working to build equity so all clients and financially vulnerable communities have access to wealth," Berry says.

Joining the financial planning profession can open the door to a fulfilling, lifelong career, and at the same time help increase diversity in the workforce so that it better serves the U.S. population. If you'd like to learn more about opportunities in financial planning or CFP® certification and scholarship opportunities, visit www.cfp.net.

(NewsUSA) - Celebrations of Rev. Dr. Martin Luther King, Jr. Day and Black History Month often prompt consideration of the United States' diversity and the many contributions made by people of different races and ethnicities. These occasions also provide opportunities for communities, organizations and businesses to reflect on their efforts to support and promote diversity.

The Certified Financial Planner Board of Standards, Inc. (CFP Board) recently marked several milestones in its effort to increase the diversity of CERTIFIED FINANCIAL PLANNER TM professionals. From 2019 to 2020, the number of Black and Latino CFP® professionals increased by 12.6 percent - nearly five times the growth rate of all CFP® professionals. The number of female CFP® professionals also increased in 2020 and now totals 20,633, reflecting a growth rate of 3.1 percent over 2019.

The total number of CFP® professionals continued to rise as well, reaching an all-time high of more than 88,700. The strong and consistent growth underscores the attractiveness of financial planning careers and how CFP® certification has become the must-have designation for professionals providing financial advice.

One way in which the financial planning profession has increased the diversity of its ranks is through scholarship programs that support aspiring advisors from different backgrounds. The CFP Board Center for Financial Planning, for example, offers six scholarship programs that help to cover the costs of the coursework required to become a CFP® professional. Five of those programs were created specifically to assist individuals from underrepresented populations within the financial planning profession in terms of race, ethnicity, gender, disability or sexual preference.

The Center announced 48 new scholarship awards at the end of 2020, bringing the total number of scholarships granted through its programs to 100, with a value of roughly $500,000. Of the nearly 50 awards granted in 2020, 32 were given to female students, 32 to Black students, 2 to Latino students, and 4 to members of other underrepresented populations in terms of disability or sexual orientation. These scholarships play a critical role in building the profession's talent pipeline and advancing workforce diversity. To date, 11 scholarship recipients have become CFP® professionals, while 37 others are in the final stages of their CFP® certification process.

To learn more about the Center scholarship programs and other resources for diverse candidates for CFP® certification, visit CFP.net/get-certified/tools-and-resources.

(NewsUSA) -Cryptocurrency continues to make waves through the financial world, and more everyday Americans are getting in on the action, too.

Companies such as Coinme are making cryptocurrency accessible to everyone. The company has announced an expanded partnership with Coinstar, the global leader in self-service coin counting, to launch more than 350 bitcoin-enabled Coinstar® kiosks in North Carolina and Connecticut. With this expansion, the companies are bringing bitcoin to retail locations, including Food Lion and Harris Teeter in North Carolina and Big Y World Class Markets in Connecticut. This launch increases the U.S. footprint of bitcoin-enabled Coinstar kiosks to more than 6,000 across 47 states.

"We're excited to launch hundreds of new bitcoin-enabled Coinstar kiosks in Connecticut and North Carolina," says Neil Bergquist, CEO of Coinme.

"Simple, trusted and accessible cash-to-bitcoin onramps help hard-working Americans, including the 24% that are unbanked, gain access to bitcoin, which has proven to be an increasingly beneficial store of value."

More consumers are embracing cryptocurrency for a variety of purposes.

A recent Coinstar survey found that of those who use cryptocurrency, 53% of users focus on investment, while 37% say they use it to protect their money.

Cryptocurrency is an especially helpful option for people who don't have access to traditional banks or other assets. These individuals can purchase a portion of a bitcoin, known as a Satoshi, and improve their financial independence through the digital currency revolution.

"More Americans are coming to see the value of bitcoin, and we see this reflected in the continued popularity of Coinme's bitcoin offering on our kiosks," says Jim Gaherity, CEO of Coinstar.

"Through our partnership, we offer an easy-to-use avenue to purchase bitcoin on select Coinstar kiosks via Coinme."

To get started, users only need a valid mobile phone number, a driver's license or state I.D and cash in U.S. dollars.

Turning cash to bitcoin at a Coinme-enabled Coinstar kiosk involves just four simple steps:

• First, create an account.
• Second, find a convenient kiosk near you.
• Third, insert your cash into the kiosk (bills only).
• Fourth, redeem for bitcoin on the spot.

Coinme bitcoin-enabled Coinstar kiosks have several advantages over bitcoin ATMs, including safety backed by the latest regulatory compliance, and the ability to access bitcoin instantly in the Coinme Wallet, without the need to input separate wallet information.

Visit coinme.com for more information and to find a Coinme-enabled Coinstar kiosk near you.

(NewsUSA) - A third of U.S. Governors have recognized window film as a cost-effective solution to reducing energy costs in homes, protecting skin and home decor from the sun's damaging UV rays, and enhanced window glass safety. The International Window Film Association (IWFA) is sharing recent proclamations kindly made by those governors on its website.

"Consumers and government officials are zeroing in on window films as a cost-effective energy saving solution designed to reduce high utility bills and carbon emissions and they can be installed at about one-tenth the cost of a re-placement window and offer similar performance ratings," explains Darrell Smith, executive director of the IWFA.

Window films, which may be installed in a day or less without significant disruption, are widely seen to save about five to 10 percent of a building's total energy bill. Many window films, which are all permanently adhered to the glass, are also designed to block 40 to 60 percent of room heat being lost through glass during the heating season while still reducing air conditioning costs by 30 percent during the cooling season.

According to the U.S. Department of Energy (DOE), cooling and heating account for more than half of the energy use in a typical U.S. home, making it the largest energy expense for most homes. The DOE also points out that roughly 40 percent of unwanted heat that builds up in a home comes in through windows and that windows also account for up to 50 percent of a building's energy loss.

Consumer awareness of the energy saving benefit of window film has increased nearly 50 percent in eight years, from 54 percent of Americans in 2014 being aware that window film can help control interior temperatures, to 79 percent of homeowners this year being aware that window film may improve the energy saving performance of their existing windows today.

While window films differ in how they perform based on how they are manufactured, they can reduce solar heat gain in your home by as much as 80 percent. This means fewer if any hot spots, more even interior room temperatures and less power consumption so your air conditioning system may keep up with the sun's heat.

This benefit is especially noticeable when the sun is at it's peak energy transmittance during the day, which is when utility companies have to produce more power to meet the increased peak demand from both homeowners and businesses. Find window film at www.iwfa.com

(NewsUSA) - Interest in, and demand for ,personal financial advice has never been greater in the United States, due in large part to the aging of the Baby Boomer generation. At the same time, the demographics of wealth in the country are changing. The purchasing power of Black and Latino communities continues to rise, women control one-third of household financial assets, and about $30 trillion in wealth is projected to shift to Millennials.

The current financial planner workforce, however, does not reflect these realities. There are more CERTIFIED FINANCIAL PLANNERTM professionals over the age of 70 than under the age of 30. Among the more than 92,000 CFP® professionals, only 23% are women, and about 8% are Latino and 7% are Black -- all smaller proportions than the broader U.S. population.

The gap between the current state of the financial planning profession and what is needed in this shifting landscape presents big career opportunities for aspiring CFP® professionals, particularly female and minority candidates.

If you're looking for a rewarding and flexible career, financial planning could be a good fit for you. Here are four benefits of financial planning careers:

1. Opportunity to make a difference. CFP® professionals help people in important, life-changing ways. By taking a holistic look at their clients' finances, CFP® professionals help families build wealth, manage financial challenges and achieve their goals.

2. Career flexibility. You may choose to work for a large firm, a small company, a bank or a broker dealer. You may decide to start your own business. About 20% of personal financial planners are self-employed, according to the Bureau of Labor Statistics.

3. Work-life balance. Financial planning careers offer the flexibility to balance professional demands with your personal life, whether you are making time for family or for other activities that are important to you.

4. Financial rewards. Financial planning careers offer excellent income potential that is comparable to other distinguished careers. According to the Bureau of Labor Statistics, the median pay for personal financial planners is $89,000.

The CFP Board Center for Financial Planning offers a variety of resources and programs to help you launch a financial planning career, including a Guide to Careers in Financial Planning that provides information on career paths for financial planners and the types of firms that hire them. The Center also administers scholarship programs that help cover the costs of education requirements for CFP® certification, as well as a mentorship program that can connect you with experienced CFP® professionals. Visit CFP.net/Center to learn more.

(NewsUSA) - A real estate brokerage paying you for the honor of handling the sale of your house?

It's true -- and maybe just the latest sign of how sizzling hot the real estate market is.

In fact, under the innovative Homeowner Benefit Program, you don't even have to be ready to sell now -- or even in the near future -- to immediately receive a check that typically runs between $800 to $3,000. You just have to agree that MV Realty, which launched the program in late 2018 and continues to expand it across the nation, will broker the sale for you if and when you are ready.

"It's a win-win situation," says Amanda Zachman, the founder of MV Realty, which has the highest 5.0 rating on the real estate website Zillow.com. "The homeowner gets money now and ongoing access to a high-quality real estate brokerage that believes real estate is more than just some one-time transactional deal. And we get a future client."

Intrigued? Then before we even get into the details, consider this month's headline from Fortune.com that should warm the heart of every potential home seller: "It's the Mother of All Seller's Markets."

Meaning, the two key factors that made 2021 a record-shattering year, with cities like Miami witnessing home prices soaring by as much as 32.5 percent, both remain in play:

* A tight inventory.

* Demand so rampant -- including from investors paying cash -- that, as CNBC reported, "houses are selling on average 10 days faster than they were a year ago" when all you heard about was people fleeing big cities because of COVID.

"On top of all that," notes Zachman, "what we're now seeing are many buyers looking to lock in still relatively low mortgage rates in anticipation of the Federal Reserve raising interest rates multiple times this year."

Headquartered in Delray Beach, Fla., MV Realty now offers the Homeowner Benefit Program through its licensed agents in 33 states (Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New York, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Utah, Tennessee, Texas, Virginia, Washington and Wisconsin).

What makes the program so extraordinary is that homeowners get to keep the money from the brokerage, which is based on the estimated value of their home, even if they never choose to sell.

That's money that can be used for anything they want. Home renovations. A much-needed vacation. One homeowner was able to host their 5-year-old's dream birthday party at Disneyworld.

Meanwhile, homeowners get the benefit of a top-rated real estate brokerage's expertise, including information delivered on everything from current market trends to a personalized home analysis.

And if they do choose to sell? That's when the full-service MV Realty really jumps into action by using its highly structured proprietary process of listing and valuing a home. And -- here's the key -- maximizing said home's marketability by using its multiple resources to promote it both nationally and internationally complete with professionally taken photographs. A sale earns the brokerage the competitive local commission rate.

"With the market the way it is, now is one of the best times ever to sell," says Zachman