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Columbus, OH As the political noise leading up to national elections in 2024 begins its long crescendo, many American investors are nervously considering implications for their investment portfolios. Regardless of political affiliation, nearly half (45%) of investors believe the results of the 2024 U.S. federal (presidential and congressional) elections will have a bigger impact on their retirement plans and portfolios than market performance, according to Nationwides ninth annual Advisor Authority survey, powered by the Nationwide Retirement Institute.

In addition to general pessimism regarding the elections impact on retirement prospects, investors fear the impact of new policy and opposing party rule on the U.S. economy. Nearly one in three (32%) investors believe the economy will plunge into a recession within 12 months if the political party with which they least align gains more power in the 2024 federal elections. Roughly the same percentage (31%) believe the party they least align with gaining more power in office will negatively impact their future finances, and 31% believe their taxes will increase within 12 months.

As we get closer to the 2024 election, were going to see more messaging and campaign ads that portray worst case scenarios, creating anxiety in investors that can lead to short-sighted, emotional decisions, said Eric Henderson, President of Nationwide Annuity. Its important for investors to not get caught up in the what ifs, and instead focus on what they can control. A proactive step would be having a conversation with their advisor or financial professional and establishing a long-term plan or revisiting the plan they already have in place to ensure it remains aligned with their goals regardless of which party takes control in Washington.

Recession fears are strong across party lines Some issues are viewed differently across party lines. More than half (57%) of investors who identify as Democrats say market performance will have a bigger impact on their retirement plans and portfolios than the results of the 2024 election, compared to 47% of investors who identify as Republicans.

However, Republicans tend to brace for election results more than their Democrat counterparts. More than two thirds (68%) of Republican investors believe the outcome of a presidential election will have a direct, immediate and lasting impact on the performance of the stock market, compared to 57% of Democratic investors. Independent investors are the least concerned with election results; fewer than half (40%) feel the results of next years election will have a bigger impact on their retirement plans and portfolios than market volatility the lowest of the three primary political demographic groups.

While its natural to feel the party you support will deliver the best economic outcome, history tells us that these instincts can be blown out of proportion, said Mark Hackett, Chief of Investment Research for Nationwide. Remember that election results in either partys favor have historically had little impact on future investment returns. Thats why its important to apply a strong filter to election news coverage to maintain an objective understanding of the events shaping our world. Its best to stay focused on the fundamental drivers of investment performance (e.g., company earnings, revenue growth, profit margins, etc.) and leadinindicators of economic conditions.

Older investors are more fearful The general fear of a recession is magnified for those closest to retirement ahead of next years election, as any wrong decision could have a lasting impact on how they live through retirement. Pre-retiree investors (defined as non-retired investors aged 55-65) are more concerned about an impending economic recession (50%) than investors overall (41%). Pre-retirees and those already in retirement are more concerned about inflation than investors overall (66%, 66% vs. 61%, respectively).

As a result, pre-retirees are planning to be more conservative with their assets than other investors perhaps because they dont have the time to recoup losses. One third (33%) of pre-retiree investors are managing their investments more conservatively in anticipation of next years election, compared to just 31% of all non-retired investors. In addition, just 12% of pre-retirees and 4% of retired investors plan to invest more aggressively in anticipation of next years election.

Economic fears spur changes to spending As campaigning and political punditry ramp up, economic factors are still top of mind for those saving for retirement.

Overall, investors who are not retired see inflation (47%), an increased cost of living (42%), and a potential recession (31%) as the greatest long-term challenges to their retirement portfolios. To compensate, they are changing their spending and investing habits, including making adjustments to cut spending and ensure a timely retirement.

To save more for retirement in the current environment, one third (33%) of investors are avoiding unnecessary expenses, such as vacations, jewelry, and shopping sprees over the next 12 months. A quarter (25%) of non-retired investors also say they will need to work longer to save money for retirement in case Social Security runs out of money, a hard reality that is projected in 10 years, according to the most recent Social Security Trustees Report.

Despite pulling back spending and adjusting investments as political pressures and economic turbulence collide, investors are entering election season on a cautiously optimistic note. Recession fears remain elevated but are down slightly from last year four in five (80%) investors are now concerned about a U.S. recession in the next 12 months, compared to 85% in 2022. Four in ten (40%) of all investors and 32% of pre-retirees describe their financial outlook for the next 12 months as optimistic.

Advisors empathize with investor concerns Financial advisors understand the fears that can stem from changes in Washington and can help investors navigate through it. Like investors, financial advisors view inflation (46%) as the most immediate challenge to their clients retirement portfolios. However, they are not immune to a partisan bias; 38% believe the stock market will be volatile for the 12 months following the election if the party they least align with gains more power after next years federal elections.

In the face of volatility spurred on by partisan noise and a potential exchange of power in Washington, advisors still maintain a more balanced, nuanced view of the election than their clients, in part because many have designed long-term strategies to protect them against volatility. Despite election jitters, most advisors (56%) believe staying the course i.e., not changing their clients investment strategies is the best course of action in an election year.

With this approach in mind, advisors are recommending and implementing their strategies accordingly. Almost all (96%) currently have a strategy in place to help their clients protect their assets against market risk, an increase from 92% in the last 12 months.

Annuities (80% vs. 78%), diversification and noncorrelated assets (72% vs. 57%), and liquid alternatives such as mutual funds or ETFs (54% vs. 31%) all saw at least a slight increase as solutions used by advisors to help their clients protect their assets against market risk in the last year.

While elections are important, and its good to be engaged in our democratic process, making emotional decisions based on what you think will happen runs the risk of derailing your retirement goals, said Henderson. Advisors and financial professionals should seize the opportunity to engage with their clients to reinforce the importance of sticking to their long-term plan. Another way to address client anxiety is to help them understand the value of protection solutions, like annuities, that guarantee income in retirement and guard against market volatility regardless of who ends up winning the election.

For additional insights on this survey data, see our infographic.

Nationwides ninth annual Advisor Authority study powered by the Nationwide Retirement Institute explores critical issues confronting advisors, financial professionals and individual investorsand the innovative techniques that they need to succeed in todays complex market.

About Advisor Authority: Methodology The research was conducted online within the U.S. by The Harris Poll on behalf of Nationwide from August 14-30, 2023, among 507 advisors and financial professionals and 2,404 investors ages 18+ with investable assets (IA) of $10K+. Advisors and financial professionals included 274 RIAs, 196 broker-dealers, 143 wirehouse and 52 other financial professionals. Among the investors, there were 636 Mass Affluent (IA of $100K-$499K), 529 Emerging High Net Worth (IA of $500K-$999K), 402 High Net Worth (IA of $1M-$4.99M) and 219 Ultra High Net Worth (IA of $5M+), as well as 618 investors with $10K to less than $100K investable assets (Less affluent). Investors included a subset of 464 pre-retirees age 55-65 who are not retired.

Raw data from advisors were not weighted and are therefore only representative of the individuals who completed the survey. Investor data are weighted where necessary by education, age by gender, race/ethnicity, region, marital status, household size, employment, household income, investable assets, and propensity to be online to bring them in line with their actual proportions in the population. To ensure the investor sample was representative, the data were initially weighted separately for those with investable assets of $10K to less than $100K and those with $100K+ and then post-weighted/combined into a total investor group. Data for the subset of pre-retirees age 55-65 who are not retired were weighted separately as needed by education, age by gender, race/ethnicity, region, marital status, household size, employment, household income, investable assets and propensity to be online.

Respondents for this survey were selected from among those who have agreed to participate in our surveys. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within + 2.7 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. The sample data for the subset of pre-retirees age 55-65 who are not retired is accurate to within + 5.6 percentage points using a 95% confidence level.

All sample surveys and polls, whether or not they use probability sampling, are subject to other multiple sources of error which are most often not possible to quantify or estimate, including, but not limited to coverage error, error associated with nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments.

About The Harris Poll The Harris Poll is one of the longest running surveys in the U.S. tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visitwww.theharrispoll.com.

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Nearly Half of Investors Believe the 2024 Election Will Have a ... - Nationwide Newsroom

Guy Thier, Chief Information Officer, Modere Modere (or the Company), a global, clean lifestyle, health & wellness brand of household, and beauty & personal care products, today announced the appointment of Guy Thier as Chief Information Officer (CIO), effective October 30, 2023, to further enhance the Companys e-commerce and digital transaction platforms.

Thier boasts an impressive career spanning more than 25 years in IT and digital marketing within the consumer health and wellness sector. His track record is defined by his ability to construct information technology and social marketing strategies to support business growth. Notably, Thier most recently served as Chief Information Officer and interim Global Chief Marketing Officer at Cutera, a leading provider of aesthetic and dermatology solutions, where he built the IT team that underpinned the companys consumer-focused growth strategy. Prior to Cutera, Thier held the positions of Chief Information Officer and subsequently added Chief Digital Officer and Chief Operations Officer responsibilities at both Arbonne International, a global leader in personal care, nutrition, beauty and wellness products, and Bally Total Fitness. He played a particularly key role at Arbonne in building a state-of-the-art global e-commerce website as well as robust backend, leading to increased revenue and organisational growth. He holds a B.A. in computer science from Lewis University and an executive MBA from Kellogg School of Management at Northwestern University.

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Modere appoints Guy Thier as Chief Information Officer - ETCIO SEA - ETCIO South East Asia

This study provides evidence that during the COVID-19 pandemic, U.S. health workers experienced larger declines in a range of mental health outcomes than did essential and other workers, with the exception of general happiness, which was lower in essential workers. These data support the imperative for action to create a system in which health workers can thrive, as described in the U.S. Surgeon Generals 2022 report Addressing Health Worker Burnout, (8) which notes that distressing work environments contributed to a record high number of health workers quitting their jobs. A population-based cross-sectional study in Norway in early 2020, at the beginning of the pandemic, reported lower levels of anxiety and depression among health care workers compared with other workers (13). In contrast, the current report finds that U.S. health workers reported a larger increase in number of days of poor mental health and burnout in 2022 compared with 2018 than did other workers, with nearly one half (46%) reporting burnout in 2022. U.S. health workers were also more likely than were other workers to report negative changes in working conditions during that time. In 2022, the prevalence of reported health worker harassment more than doubled, and the very likely intention to find another job increased by almost 50%. Negative working conditions are associated with higher prevalences of depressive symptoms (1,2), self-rated poor health (14), and turnover intention (8). Accordingly, the American Public Health Association and the International Labour Organization promote decent work (e.g., work that provides security and social protection; a fair income; and opportunities for growth, development, and productivity) as a public health goal fundamental for protecting workers.

This report identifies modifiable working conditions that contributed to poorer mental health among health workers and suggests preventive actions for employers. Previous research found job stress interventions that changed aspects of the organization (e.g., increased manager social support) were more effective than were secondary (e.g., screening for stressors) or tertiary (e.g., individual stress management) (15) interventions. A recent review of management interventions suggests that training managers on mental health awareness and ways to support workers and improve safety culture shows promise for reducing worker stress and improving well-being (16). Working conditions that support productivity and foster trust in management might be more readily addressed than providing sufficient staffing, which can be challenging in resource-constrained settings. More positive psychosocial safety climates, which include management prioritization of psychological health and stress prevention, were associated with lower burnout symptoms among health workers in this study. Previous research has demonstrated the link between psychosocial safety climate and reduced exhaustion, improved worker well-being, and improved engagement (17). Organizational policies and practices can be modified to improve security and reduce threats of violence. The International Organization for Standardization provides guidelines for managing psychosocial risks in the workplace to promote worker safety and health.**** Employers can also make changes that increase participation in decision-making and reduce workloads. Evidence suggests that attention to such protective aspects of work could reduce the number of days of poor mental health and prevalences of burnout and turnover intention (18). Recent reviews note the limited number of organizational intervention studies addressing health worker mental health (16,19), reinforcing the need for researchers to join health employers, government, labor, and professional organizations in implementing effective organizational interventions and documenting their impact.

CDCs National Institute for Occupational Safety and Health (NIOSH) has implemented efforts to promote the mental health and well-being of health workers. One is a national social marketing campaign, Impact Wellbeing, which emphasizes primary prevention strategies such as worker participation in decision-making, supportive supervision, and increasing psychological safety for help-seeking (20). NIOSH has also developed burnout prevention training for supervisors of public health workers. Through these efforts, as noted in the Surgeon Generals report (8), the emphasis is on improving the work environment to support mental health, rather than asking workers to be more resilient or to fix problems themselves.

The findings in this report are subject to at least six limitations. First, the data are cross-sectional; causation cannot be inferred, and alternative explanations for the findings are possible. Second, these data are self-reported and subject to biases associated with recall and social desirability that could affect participant response. Third, because of administration during the pandemic, the 2022 GSS used mixed methods, including face-to-face and telephone interviews, and online administration; the 2018 survey was conducted using only face-to-face interviews. Use of these different methods might have influenced response rates and self-reporting of symptoms. Fourth, data were weighted to be nationally demographically representative, but were not adjusted for industry, occupation, and work setting. Fifth, a relatively small number of health workers were included in the 2022 sample. The fourth and fifth limitations might limit generalizability. Finally, measures of symptoms for anxiety and depression were not available in 2018, which precludes prepandemic comparisons.

Health workers continued to face a mental health crisis in 2022. Improving management and supervisory practices might reduce symptoms of anxiety, depression, and burnout. Protecting and promoting health worker mental health has important implications for the nations health system and public health. Health employers, managers, and supervisors are encouraged to implement the guidance offered by the Surgeon General (8) and use CDC resources (20) to include workers in decision-making, provide help and resources that enable workers to be productive and build trust, and adopt policies to support a psychologically safe workplace.

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Vital Signs: Health WorkerPerceived Working Conditions and ... - CDC

This is the final article in The Conversations six-part series on insomnia, which charts the rise of insomnia during industrialisation to sleep apps today. Read other articles in the series here.

Insomnia is not just a personal issue that affects an individuals health and wellbeing. Its a public health issue, affecting public safety. Its a socioeconomic issue, as poorer sleep is linked to a lower education and income. And, increasingly, its a commercial issue.

The global insomnia market is expected to reach US$6.3 billion by 2030, driven by increased diagnoses and therapy, as well as sleep aids, including sleep apps.

There are numerous digital devices and apps to help people sleep better. You can buy wearable devices, such as smartwatches and smart rings or wristbands, to digitally monitor your sleep. You can download apps that record how long you sleep and where you can log your tiredness and concentration levels.

Some devices are designed to promote sleep, by generating white or brown noise or other peaceful sounds. You can also buy smart pillows, mattresses and a range of smart light-fittings and lightbulbs to help track and improve sleep.

Such technologies operate to digitise sleep as part of the quantified self. They render sleep practices and bodily responses into data you can review. So these devices are promoted as offering scientific insights into how to control the disruption to peoples lives caused by poor sleep.

You can listen to sleep stories bedtime stories, music or guided meditations meant to help you sleep. Then there are the sleep blogs, podcasts and social media content on TikTok, YouTube and Instagram.

Where there is social media content, there are social media influencers sharing their take on sleep and how to get more of it. These sleep influencers have accumulated large numbers of followers. Some have profited, including those who live-stream themselves sleeping or invite audiences to try to wake them up for a price.

There may be benefits to joining online communities of people who cant sleep, whether thats in an online forum such as Reddit or a specially designed sleep improvement program.

Sharing and connection can ease the loneliness we know can impact sleep. And technology can facilitate this connection when no-one else is around.

We know social media communities provide much-needed support for health problems more generally. They allow people to share personal experiences with others who understand, and to swap tips for the best health practitioners and therapies.

So online sharing, support and feelings of belonging can alleviate the stresses and unhappiness that may prevent people from finding a good nights sleep.

But there are some problems with digitising sleep. A focus on sleep can create a vicious cycle in which worrying about a lack of sleep can itself worsen sleep.

Using sleep-tracking apps and wearable devices can encourage people to become overly fixated on the metrics these technologies gather.

The data generated by digital devices are not necessarily accurate or useful, particularly for groups such as older people. Some young people say they feel worse after using a sleep app.

There are also data privacy issues. Some digital developers do not adequately protect the very personal information smart sleep devices or apps generate.

Then, theres the fact using digital devices before bedtime is itself linked to sleep problems.

Other critics argue this intense focus on sleep ignores that sleeping well is impossible for some people, however hard they try or whatever expensive devices they buy.

People living in poor housing or in noisy environments have little choice over the conditions in which they seek good sleep.

Factors such as peoples income and education levels affect their sleep, just as they do for other health issues. And multiple socioeconomic factors (for instance, gender, ethnicity and economic hardship) can combine, making it even more likely to have poor sleep.

Sleep quality is therefore just as much as a socioeconomic as a biological issue. Yet, much of the advice offered to people about how to improve their sleep focuses on individual responsibility to make changes. It assumes everyone can buy the latest technologies or can change their environment or lifestyle to find better sleep health.

Until sleep health inequalities are improved, it is unlikely digital devices or apps can fix sleep difficulties at the population level. A good nights sleep should not be the preserve of the privileged.

Deborah Lupton, SHARP Professor, Vitalities Lab, Centre for Social Research in Health and Social Policy Centre, and the ARC Centre of Excellence for Automated Decision-Making and Society, UNSW Sydney

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Digital Marketing Coordinator

Company: Innovations in Wallcoverings Inc.

Duration: Full-time

Date Posted: 10/10/23

Category: Sales & Marketing

Location: New York

Salary: 50-100k

Innovations is looking for a Digital Marketing Coordinator to join our Marketing Department to assist in the development and execution of marketing plans for our website, social media, and email campaigns. We are looking for a creative individual with a background in the design industry preferred. The position is based in our head office in Soho and reports to the Marketing Manager.

Website Manage all content for the website Work on implementing new website features and design with web developer Update and maintain website imagery and product content Add new products to the website Maintain and update client installations for website Update and add press coverage, catalogs, videos, news, etc to website as needed Monthly report and review of website analytics Keep marketing database up to date

Social Media Management of accounts for all social media platforms (Instagram, Facebook, Pinterest, and LinkedIn) Community management for all platforms Coordinate schedules and posting of content across all platforms Ensure consistent brand imagery and message is maintained across all platforms Grow and develop following and engagement Source client installation photos posted to social media for our use Report analytics

Email/Newsletters Create and send out weekly product newsletters and other emails (company news, invitations, etc) using Mailchimp Update and maintain email database Monthly report and review of website analytics

Tradeshows Help plan and execute regional tradeshows including BDNY and smaller regional shows Assist on site as needed with local tradeshow booth installation

Photoshoots Help plan and execute seasonal collection photoshoot Take photography of product swatches as needed Take photography for social media of projects, products, etc as needed Scan and format product swatches Work on creating image renders

Hybrid Schedule, 3-4 days in office per week 3+ Years of Professional Experience in Digital Marketing, Design Industry experience preferred Bachelors Degree Excellent communication skills (written and oral) and attention to detail Strong creative skills, written and visual Excellent organization and time management skills Team player, willing to help out with any task on our small team Experience or knowledge of the interiors, design, or luxury goods industries Must be comfortable working with: -Social Media Management Platforms -Mailchimp -Microsoft Office Suite -Adobe Creative Suite -Website Content/Database Management

For over 45 years, Innovations has been committed to forward-thinking design and creating wallcoverings that transform interiors. As pioneers in the industry, we introduced many firsts by experimenting with new materials and design techniques. From our inspired products to our highly regarded service, we are dedicated to elevating the shopping experience every step of the way.

HR

Director of HR

recruit@innovationsusa.com

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