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A wellness boutique founder’s Santa Monica condo brings the outdoors in

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Photo: Taylor Stoffers

Tired of the political climate in Washington, DC, and craving a change in her personal life, Chelsea Poling headed west to Santa Monica, California, and purchased a 1,400-square-foot condo with a sliver of ocean view and a storage room for her bounty of beauty products. Poling’s condo is not only her home, but her workspace — she’s the founder and CEO of online wellness boutique Rose Botanica.

“We offer natural skincare, body care and makeup, as well as products that support internal health, such as incense, crystals and candles,” explains Poling. “It’s like a holistic plethora of items for your well being.”

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Photo: Taylor Stoffers

Poling spent six years working for NASA in Cape Canaveral, Florida, and Greenbelt, Maryland, before transfering to the Agency for International Development, where she enjoyed a four-month stint as a procurement officer in Sri Lanka. Launching her own company combined her passion for natural wellness and beauty with a business degree from the University of Central Florida.







Photo: Taylor Stoffers

Working alongside a designer, Poling sought to create an aesthetic that could best be described as ‘natural chic.’ “Growing up in Florida, I’m so accustomed to being surrounded by water, so I really wanted to be as close to the beach as possible,” says Poling. Her wish list also included an outdoor space where she could catch a few rays in between filling orders. “As an entrepreneur who works from home, sometimes I’m not able to get outside for long periods of time, so it’s nice to have that access right in my home,” adds Poling.







Photo: Taylor Stoffers

The main living space includes an office nook — an idea her designer initially rejected. “I have a small desk and a bookshelf where I keep some work documents,” says Poling. “I like to keep it very minimal without a lot of clutter. There’s also a floor-to-ceiling window that provides a lot of natural light and gives me energy throughout the day.” Poling says she does far more working than TV-watching in this space, so the layout functions just fine.







Photo: Taylor Stoffers

It’s no wonder Poling’s combined bedroom and bathroom is a sanctuary of self-care. “The bed is great, of course, but I have a chaise lounge with a little side table that I use pretty frequently for reading or practicing deep breathing.”







Photo: Taylor Stoffers







Photo: Taylor Stoffers

There’s also a meditation altar, adorned with crystals, smudge sticks and mementos from her ancestors. “If I’m meditating or even just hanging out, I always have incense or a candle burning to set the mood and help me relax,” notes Poling.







Photo: Taylor Stoffers

The ensuite bath is the perfect spot for a long soak (which Poling indulges in “at least four times a week”) or testing out new products — most of which are neatly displayed on clear acrylic organizers from The Container Store.







Photo: Taylor Stoffers

“I have more beauty products than clothes, so I even dedicated part of the walk-in closet to them,” admits Poling. The gilded antique-looking mirror that hangs above the soaker tub was purchased from Anthropologie and reflects even more light into the space.







Photo: Taylor Stoffers

Though it looks serene and calming now, the rooftop patio did not come together without struggle. “We got all the furniture from Restoration Hardware, but failed to measure the staircase leading up to the rooftop,” says Poling. She had been toying with the idea of purchasing a saltwater hot tub, which required the use of a crane. “We piggybacked the furniture onto the crane rental for the hot tub to make it work” explains Poling.







Photo: Taylor Stoffers

The outdoor space features an L-shaped sectional with mud cloth-inspired throw pillows, as well as a fire pit whose gas tank is cleverly disguised as a side table. “I wanted a large wooden dining table and this one can seat up to six,” adds Poling.







Photo: Taylor Stoffers







Photo: Taylor Stoffers

She uses the lush rooftop space nearly every day and often hosts get-togethers for local women involved in the wellness industry. “We’ll make food downstairs and then dine up on the rooftop where you get a little view of the ocean.”







Photo: Taylor Stoffers

Another major selling point was the climate-controlled storage room off the garage where Rose Botanica goods are packaged and tied with a bow. “We’ll probably grow out of the space eventually, but for now it’s nice to have immediate access to the products. We try to include a note with each order, and I don’t think a shipping department would be able to offer such a personal touch. It’s really nice to have that ability.”







Photo: Taylor Stoffers

While the design project took about seven months to complete, Poling says it was all worth it in the end. “My friends and family who visit from out of town always say, ‘I feel like I’m at a spa right now!’” By incorporating natural elements and intriguing the olfactory senses, Poling has created a space that’s “very comfortable and livable, but beautiful at the same time.” To her, it’s the ultimate act of self-care.

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Is getting an MBA worth it? How to make a decision

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Obtaining an MBA degree requires a significant amount of investment. You’re not only spending money but investing a large amount of time and effort into it.

While preparing for your MBA, it is important to critically access if the benefits of enrolling in a graduate business school outweigh the costs, according to experts. Your current financial capabilities and commitments are key factors to consider before determining whether applying for an MBA is the right choice for you.

According to experts, one great way to weigh the short-term financial benefits of an MBA is to research the average salary of recent graduates of business schools and compare that figure with the average number of student loan debt.

Of all the ranked business schools that provided salary figures in the U.S. News Best Business Schools ranking, the average starting salary among 2018 graduates from full-time MBA programs was $87,683.88. While for 2018 graduates of full-time MBA program at the ranked business schools, the average debt burden was $51,671.90.

For schools that provided both salary and debt figures, the average salary for MBA graduates was $86,253.72—167% higher than the average debt burden at those schools.

Mike Catania, the founder of the coupon website PromotionCode.org and a student in the executive MBA program at the University of California—Los Angeles Anderson School of Management, noted that one of the major reasons he chose to attend business school was a strong desire to expand his network.

“I got exactly what I wanted – access to brilliant classmates and faculty that I would never have encountered on my own,” he noted. “It’s difficult to ascribe a value to that, but I look at it as only temporarily intangible – the relationships forged over the next few years will positively affect my opportunities as an entrepreneur moving forward.”

According to a financial ROI report on MBA published by Quacquarelli Symonds—a higher education data, consulting and research company—within 10 years of earning an MBA degree, the average MBA graduates from either a U.S. or international business school had an estimated ROI of $390,751—even after deducting tuition and opportunity costs of attending an MBA program. The report also went further to show that the average decade-long ROI of an MBA graduate from the Stanford University Graduate School of Business is higher than $1 million.

While the financial benefit of an MBA degree is a huge factor to consider, experts also note that there are other non-financial factors to consider, such as if getting the degree would either facilitate career change or accelerate career advancement.

“Often candidates have a career progression in mind – ask whether people who have followed that path have been helped by an MBA,” said Mark W. Nelson, the dean of Cornell University’s Samuel Curtis Johnson Graduate School of Management. “Also, consider your personal opportunities for growth. What do you want to work on? Consider how an MBA would help you develop those capabilities.”

For example, with the future of data analyticslooking bright for data scientists, getting an MBA might be what you need to boost your chances of landing a great job.

Another important thing to consider when deciding to pursue an MBA degree is your current lifestyle. It is a venture that requires serious commitments, said Catania.

“It’s just going to eat up so much of your time, and all of the (business) schools make it abundantly clear that this is on par with a job,” he adds.

Also, Nelson noted that an MBA is best suited for individuals who want to begin a major change in their career path. “An MBA is a good path when candidates are looking for a career switch or a significant career advancement,” he said.

However, Elissa Sangster, CEO of the Forté Foundation—a non-profit organization with a mission to increase the representation of women in business schools and corporate leadership positions—warns that an MBA is not necessary for every type of business career.

“You could trick yourself into thinking you need to go and pursue an MBA because, if you’re going to run a yoga studio or you’re going to … open up a car wash or run a food truck, those are all businesses,” she said.

“Getting an expensive MBA degree may not be a smart financial decision for someone who wants to run a small local business, while it could be a strategic move for someone who hopes to start or manage a large, influential corporation.”

According to Phil Strazzulla, an entrepreneur and the founder of two companies in the software sector – Select Software Reviews and NextWave Hire – who earned an MBA from Harvard Business School, he noted that while it is a chance worth taking, it is one that needs to be carefully analysed.

“Chances are, if you’re thinking about getting an MBA, you are an analytically rigorous person who’s done the analysis on whether it makes sense to pay now for future gains in salary,” he said. “And, if you go to a top school, it undoubtedly is. However, the other way I’d recommend thinking about your decision is how it’ll impact your overall happiness.”

Furthermore, SiqiMou, the co-founder and CEO of the tech-driven beauty company HelloAva who earned an MBA degree from Stanford, notes that one of the key advantages of attending a high-quality business school is that it provides exposure to a wide array of career opportunities.

“I would say the advantage of coming to one of these relatively prestigious business schools is that you have a lot of options that are open to you,” she said. “You can go back into finance or consulting types of jobs, or you can also start something yourself.”

Bachenheimer, a clinical professor of management at Pace University’s Lubin School of Business in New York City, added that an MBA provides project-based learning activities that allow students to practice solving real business problems.

“An MBA can be much more than the knowledge and skills acquired through coursework; it can truly expand you and your world,” he said.

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Comment se protéger des risques associés à l’utilisation des outils bancaires

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La technologie financière est en constante évolution. L’introduction continuelle de nouvelles options bancaires en est la preuve.

Fintech (abréviation de technologie financière) est un terme qui désigne tout type d’innovation technologique utilisée pour soutenir ou fournir des services financiers. Une telle innovation entraîne des changements importants dans le secteur financier, et donne naissance à une gamme de nouveaux modèles d’affaires, d’applications, de processus et de produits.

Si les applications financières vous permettent d’accéder facilement à vos finances personnelles, elles peuvent aussi comporter des risques allant du vol de vos renseignements bancaires, tels que votre numéro de carte de débit ou de crédit, votre nom d’utilisateur et votre numéro d’identification personnel.

C’est pourquoi il est important d’être très vigilent en partageant vos informations personnelles et bancaires en ligne. Saviez-vous qu’en fournissant vos informations bancaires ou de carte de crédit à une application financière, vous pourriez risquer de violer l’accord d’utilisation de votre institution financière?

Ce qui veut dire que, quelles que soient les caractéristiques de sécurité mises en place par une application financière, votre institution financière peut vous tenir responsable en cas de vol et d’utilisation de vos renseignements personnels à votre insu ou sans votre approbation.

Voici quelques conseils pour vous aider à protéger vos informations personnelles et bancaires, ou celles de votre carte de crédit lorsque vous utilisez les applications financières :

  • Vérifiez l’accord d’utilisation de votre banque avant de partager vos informations personnelles et bancaires, ou de carte de crédit à travers les applications financières.
  • Consultez la politique de protection contre la fraude de votre institution financière pour savoir qui est responsable de toute transaction non autorisée par vous-même .
  • Cherchez à comprendre quelles mesures de sécurité sont en place et comment vos renseignements personnels pourraient être utilisés.
  • Vérifiez régulièrement votre dossier de crédit pour voir s’il n’y a pas de demande de crédit que vous n’avez pas faite ou encore une transaction que vous n’avez pas effectuée.

Si vous soupçonnez que vos informations ont été compromises, changez immédiatement vos mots de passe. Examinez vos relevés de compte et de carte de crédit pour y détecter toutes anomalies, et signalez toute transaction suspecte à votre institution financière.

Vous pourriez aussi commander et vérifier votre dossier de crédit.

Visitez le site web de l’Agence de la consommation en matière financière du Canada pour de plus amples renseignements sur les risques associés au partage de renseignements bancaires sur des applications financières à canada.ca/argent.

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Comment agir efficacement en cas de fraude

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Chaque année, des milliers de Canadiens perdent des millions de dollars à cause de fraudeurs. Adolescents, aînés, gens d’affaires, tout le monde peut en être victime. Pourtant, seulement 5% des fraudes sont signalées aux autorités.

Si vous avez été victime de fraude, la meilleure chose à faire est de le signaler aux autorités concernées, et peu importe son ampleur. Ne vous sentez surtout pas honteux d’avoir été piégé car vous n’êtes pas seul à être tombé dans le panneau. En rapportant cette fraude, vous allez aider d’autres personnes à ne pas en être victime. De plus, dans la plupart des cas, l’institution financière ouvrira une enquête et vous remboursera l’argent perdu.

Gardez en tête que protéger vos renseignements personnels est essentiel pour éviter la fraude. Voici comment agir si vous suspectez une transaction inhabituelle dans vos comptes :

  • Changez immédiatement votre NIP et signalez la fraude à votre institution financière et au Centre antifraude du Canada. Informez-les également de toute correspondance suspecte que vous recevez au sujet de vos comptes.
  • Lorsque vous communiquez avec votre institution financière, assurez-vous d’utiliser le numéro de téléphone figurant sur votre relevé de compte ou au verso de votre carte de crédit ou de débit.
  • Si vous recevez des courriels trompeurs, vous pouvez envoyer une plainte au Centre de signalement des pourriels. Les escroqueries financières comprennent souvent des offres de vente ou des promotions de produits et services financiers, comme les régimes de retraite, les fonds de placement gérés, les conseils financiers, l’assurance et les comptes de crédit et de dépôt.

Le Bureau de la concurrence du Canada dispose d’un excellent guide appelé le Petit Livre noir de la fraude, et fournit beaucoup d’autres renseignements utiles par l’entremise du Centre antifraude du Canada.

Pour plus d’information, visitez le site web de l’Agence de la consommation en matière financière du Canada qui offre également une foule de renseignements et d’outils pour vous aider à vous protéger contre les fraudes et les escroqueries à canada.ca/argent.

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