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  • Good morning everybody, and welcome to Balancing Act. We're so glad you joined us. I'm Julie

  • Moran. And I'm Olga Villaverde. Alright, Julie. I

  • know you love fashion. Oh my gosh, are you kidding me?

  • Duh. Well today I'll be talking to a designed whose southern fashions,

  • I love that even more. I knew it.

  • Southern fashions are making a splash across the country, and she - this a great story

  • - she used online education to help her along the way. She's beautiful, she's talented,

  • she's successful. Southern Fashion. I can't wait.

  • I'm going to buy you something. My birthday.

  • I will. Yes, thank you so much.

  • Happy Birthday, girlfriend. And speaking of education. Today's Be the

  • Change is the all about educating our next generation of young ladies to pursue careers

  • in technology and science. So important. We'll explain how one company is working with Boys

  • and Girls clubs across America to peak their interest.

  • Love that story. Plus, do you kind of argue sometimes with your hubby?

  • About money? Yeah.

  • No, no, no. I just hide credit card shoe purchases. Did you hear that, Rob? She's hiding it. Well,

  • we've got advice on how to avoid those financial land fast-track mine situation.

  • Conflicts, yeah. I know. Well, The Balancing Act - and it's a good

  • show - starts right now. (music)

  • Are you living your dream and achieving the financial success that goes along with it?

  • If you're like most women, you've probably been putting your career goals on hold, focusing

  • on family needs, or something else. But there's a way to fast-track your future success and

  • still handle home and family matters. Today, we're joined by one such entrepreneur. Very

  • special and motivated woman here. Stephanie Carter, Founder Design Director for the Southern

  • Fashion House, who began her success with an online education.

  • Good Morning, Stephanie. Good Morning, how are you?

  • Good. I love what you're wearing, and I know it has to do with what you design. What is

  • that? Thank you, this is Judith March. This is just

  • a little dress that we recently designed. And you took an idea and went with it, and

  • have become very successful. But I want our viewers to hear your story because I find

  • it to be so passionate. You start college at Troy. You have no idea what you want to

  • do to. No idea.

  • Happens to most of us. Tell me about that. Yes, I went in Undecided, and three years

  • into college they were like "Okay, it's time to decide."

  • Three years Undecided? Three years Undecided.

  • What were you taking? Electives? Electives and the things that you have to

  • take. And so, I decided to go into Business and Marketing at Troy, and one of my teachers,

  • Dr. Steve Garrett inspired me by a class project. We had to create our own business.

  • And so... And what did you create?

  • I created Deja Vu, which was supposed to be a retail store. A retail women's clothing

  • store. Okay.

  • Because I love to shop. And most women love to shop. So, okay, we

  • can relate. So he gives you this project. You take this idea, and then what?

  • Then, I actually do it. You're kidding? You actually go to the bank

  • and pull out money and start? I enjoyed the project so much. It inspired

  • me so much. I was like, okay. I sold my car for $4,000. I went to the bank, and I opened

  • a checking account, and I did it. Does Dr. Garrett know what you're doing?

  • Absolutely. And what is he saying?

  • He loves it. He's actually in charge of the Marketing Group at Troy and they come visit

  • our corporate office a lot. So while you're going to Troy, you're taking

  • your classes, I'm assuming, still. You're starting this business. How are you doing

  • both? Well, actually the teachers at Troy, then,

  • and still now, were very flexible and they allowed me to fax my homework in. That was

  • before online so much. And then, at the end, my 4th year in college, I did online classes

  • so I could also balance the new business and finish up college.

  • So how did those online classes benefit you because I can kind of see the flexibility

  • around them? Absolutely. They allowed me to be able to

  • do my job, finish college, and further my career.

  • So you're like such a great example here for many women out there who say "You know, I've

  • got so much going on, and I don't have the time to go back to school..." And the online

  • route is a very positive one. Absolutely. They offer over 200, I think,

  • divisions. And most of all of those are online. And how has this Deja Vu entrepreneur gone

  • for you? Well it actually went into Judith March. That's

  • the wholesale clothing line, and we also have a clothing line by Missy Roberton from Duck

  • Dynasty. And what other stuff do you design?

  • I design maxi dresses. We have a game day line, which also Troy inspired me. Because

  • when I would go to the games, everybody wanted those school colors. And so we started-- Now

  • we're licensed for all those CC teams. So, we do game day dresses and game day T-shirts.

  • So, it's everything from casual to dressy. And I do want a lot of our viewers out there

  • to know that the reality here is that you are also a mother. You are expecting. So,

  • in your own words, how do you balance it all? Whew, I struggle with balance every day of

  • my life, but you just have to keep your priorities straight, and it is important to balance.

  • That's the great thing about Troy offering online classes today - that it allows women

  • to balance and actually create their own career. If you had to go back and get some more online

  • courses, for whatever reason - maybe to expand the business, would you see yourself being

  • able to do it again at Troy university? Absolutely.

  • Yeah? Absolutely.

  • What would you say is the take-away from just what Dr. Garrett did for you, how he inspired

  • you, where you are today, and the online opportunities for women?

  • I just think that it was such a large university, but yet you felt so at-home. They offered

  • so many things to make you-- It's like they want you to succeed.

  • And let me tell you, you are the epitome of succeeding.

  • Thank you. There's no more excuses. If you think it...

  • You can do it. Thank you so much. Good luck to you and to

  • your unborn child. Is it a girl or a boy? We don't know.

  • Okay. Good luck. And if you'd like to read more on today's topic, you can also visit

  • us at TheBalancingAct.com, or get a little bit social and log on to Facebook.com/theblanacingactfans

  • and check out Troy University online. (music).

  • Today's Be The Change is about investing in the next generation. I love that. The Boys

  • and Girls Clubs of America and CA Technologies have been partnering for several years now,

  • empowering girls to explore a future in technology. Their Tech Girls Rock initiative hopes to

  • cultivate an interest in science and ultimately tech-related educational opportunities and

  • careers. And we're headed to Raleigh, North Carolina to learn more about this innovative

  • and inspiring workshop. (music).

  • The Girls Clubs of Raleigh, North Carolina recently played host to hundreds of excited

  • tweens and teens - all part of the clubs effort to get young girls motivated for future careers

  • in America's ever-expanding high tech economy. With momentum fueled by the Clinton Global

  • Initiative, the Raleigh workshop Tech Girls Rock is part of a national effort supported

  • by CA Technologies contributing an excess of $10 million in monetary and software funding

  • since 2005. Partnering with the Boys and Girls Clubs of America, CA Technologies is aiming

  • at inspiring young girls about high tech academically and professionally in one-on-one and group

  • problem solving demonstration and education. High Tech Engineer for CA Technologies, Emily

  • Chiles is one of many professionals donating her time and energy to help the next generation

  • of young girls achieve their dreams. In this act of encouraging young women and

  • youths to really get into this - we live in a technology age. So, if we can get young

  • women out there, imagine the innovation that can come from different perspectives.

  • So why don't more young women choose high technology careers? They never considered

  • it. That, according to a study conducted by Global Research Firm Penn Schoen and Berland,

  • it found 63% never considered a career in Engineering. And in a Girl Scouts of America

  • study, only 13% of female teens say STEM: Science, Technology, Engineering, and Mathematics

  • related careers would be their first choice. Encouraging, educating, and inspiring young

  • girls remains the primary focus of the nationwide workshops.

  • Well, I hope that through today alone that we spark an interest, that we've planted a

  • seed, that this is a part of that, maybe, the genesis of the movement to start shifting

  • that social norm - to start shifting the way women view the field of technology and IT

  • careers, and saying I can do that. Other CA Technologies professionals are equally

  • confident Tech Girls Rock will have positive outcomes for years to come.

  • And so we really want to make sure that we influence these girls at this age because

  • this is where they tend to drop out at higher levels. So it's really important to instill

  • in them the different types of careers they can have, and really demystify some of the

  • geekiness around technology, and maybe some of the preconceived notions they may have

  • around what a career in technology could be like.

  • When asked what her favorite thing about the workshop, this tween had this to say:

  • "The one thing that I liked the most so far is when - I just came out of the computer

  • lab - and we're doing coding in there. So, well my group, we're doing a basketball play

  • and she's a girl, and you get to tell her how to move, when to move, and how far to

  • do it." And this 13-year-old is discovering new things

  • at Tech Girls Rock. "I was excited because I'm usually on my phone,

  • and I honestly don't know what a phone is, like actually. But, I'm always on my phone."

  • "Do you all know what an anagram is? Does anybody have an idea?"

  • From anagrams to computer code and just high tech advice generously given by caring professionals,

  • these workshops are living up to their name. They rock.

  • "Tech Girls Rock!" To find out more about Tech Girls Rock workshops

  • in your city and state, visit The Boys and Girls Club of America website. For Be The

  • Change, I'm Julie Moran. (music).

  • How often do you and your spouse talk about money? Even more specifically, how often do

  • you fight about it? It is not an easy topic for more couples or for any of us, but there

  • is a right way to do it and have a successful outcome. Here to wrap-up our 3-part Money

  • Matters series is Ryan Hahler from Brightpeak Financial. So great to have you on the set.

  • Thanks for having us back. You know, money has to be the number one thing

  • that couples fight about. What are the most common issues that you see?

  • It's all across the board. Yeah.

  • Quite frankly. And we've seen it all. What is boils down to is sort of a misconception

  • that's out there. It's the idea that money and money decisions are logical decisions

  • that we make with our brain. The reality is we make so many of our decisions, including

  • those about money, it's emotional, right? We make them with our heart.

  • Completely emotional. And you think, oh, this is a factual thing. Money matters, but it's

  • really very emotional to talk about. Absolutely.

  • What is the best way to start the conversation for couples?

  • Yeah, the good news is it's actually easier than you think.

  • Really? So two key things to remember: The first is

  • timing is everything, and the second is the words that you use matter. Okay?

  • Love that. So, on the first one. Timing is everything.

  • A couple of things to remember there. Okay.

  • The first is don't have conversations about money or other important issues when you're

  • already emotional, when you're distracted... Tired.

  • Tired. Yeah, late at night, rushing off to get the kids to school.

  • No, got it. Bad time. Okay? Second thing, is make sure

  • you do it regularly. So, it should be something that you actually have ongoing conversation

  • about money. Not just like, okay, we have to talk about this big issue and then we're

  • done. Right.

  • And so something that my wife and I have found works well is we actually schedule time.

  • Okay. As formal as it sounds...

  • Right. It sounds a little formal. But, you know, okay we get the kids down to

  • bed. We know that we've got a few hours before it's time for us to turn in for the evening,

  • and it's a great time for us to reflect on the day, and also money can be part of that

  • conversation. You can also have a date night and talk about

  • money. I love it. Yeah, it'd be a ton of fun, right?

  • Yeah. Now my producers told me that you have this

  • game that you want me to play, and I said alright. I'm game for it, but seriously, I

  • will play this game, but you've got to explain it to me.

  • Excellent. Alright. So it actually goes back to the second point, which is the words that

  • you use matter. Okay.

  • So, have you ever done improv? I have.

  • Alright, good. So, three key rules to improv: The first is you want to fully step into your

  • partner's world. So both of us, right? Okay.

  • The second is, the words that you use matter. Like I mentioned before, but it's like think

  • about words that build. So, like "and", "yes" also versus words like "no", "but". Right?

  • They bring it down. They ruin the energy. And then the third is

  • you want to make sure that you're always trying to make your partner look good.

  • Love that. Alright.

  • Ok, do I have a line in this game? How about you want to buy a new car. Does

  • that work? That works for me. Alright, we'll start. Honey,

  • I just really want to buy a new car. But we just finished paying for the car that

  • we have two years ago. That doesn't feel good. See, already, I'm

  • like saying you said "but" and you said "no". Exactly, it's like we killed it right there.

  • We killed it. Alright, we've got to try it again in a positive

  • tone. So let's try it the right way.

  • Same line? Do the same thing.

  • Honey, I just really would like to buy a new car.

  • Yes, I know you've been driving the one that you've got for a while. And, it's also nice

  • not having a car payment. I agree, it is, but the car has 500,000 miles

  • on it, and we're driving our kids in it. It's really, I don't think it's safe.

  • Yes, I can definitely see your point, and it makes me think that maybe there's a creative

  • way that we can figure out how we can get the car and also not saddle ourselves with

  • this huge car payment. Yes, we can do it. Let's do it.

  • Let's do it. I see us buying a new car.

  • Alright. Okay, I got it.

  • Got it? Felt better, didn't it. Positive, positive, positive. Yes. I love

  • that. And now, what about - this has got to be a problem - setting long-term and short-term

  • money goals for couples? Do they fight about that, too?

  • Absolutely. And that's where a lot of tension can come in. So, the key thing that I would

  • say to remember, and to really try to strive for as a couple, is to make sure that you're

  • on the same page with whatever the big goals are.

  • Right. Okay? And so, whether that's saving for a

  • vacation, planning for retirement, maybe it's about saving for your kids' college education,

  • whatever that might be. It's huge and important, right.

  • Now, what we find, though is that every couple is different. I think the key is really thinking

  • about how do you keep both of you involved in the process. Right?

  • Right. So, when I hide the shoe receipts from my husband, that's not a good idea.

  • Probably not. Transparency is a good thing. You know, this is such great information for

  • couples. How can we learn more? So, best thing to do is to go to our website:

  • brightpeakfinancial.com. We're got two really great resources for this specific topic. The

  • first is a free e-book that you can download right from our website.

  • Love free. Our viewers love free. Yeah, absolutely. So look for The Money Talk,

  • the book. That's the first thing. Then the second thing is something new. We're offering

  • workshops around the country for couples to come, and actually dedicate a time talking

  • about money, practicing some of the things like improv, all of those kind of things.

  • Then, the last thing is actually getting to create an action plan about what are going

  • to do moving forward? I love that. Could you just sign Julie Moran

  • and Rob Moran up for your next conference? Absolutely, yeah, we'd love to have you there.

  • That'd be great. Great information. Thank you so much for stopping

  • by. Excellent.

  • Alright, remember to log on to thebalancingact.com for lots more. We've got lots there for you.

  • You can also follow us on facebook and twitter. (music).

  • What's for breakfast this morning? Is it the same old same-old? It doesn't have to be.