Welcome back Wine and Dime listeners. We continue our October focus on Employee benefits and open enrollment with this weeks topic being all about Medical Benefits and Health Plans. We go over some real life examples of things to be thinking about that could save you a bunch of money. We also look at another Cabernet Franc, this time from the Domaine LeSeurre Winery located in Hammondsport, NY Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Domaine LeSeurre WineryBonjour ! Originally from CHAMPAGNE, France, our family has hander crafted wine for 6 Generations. After passionately enjoying 15 vintages around the world, we fell in love with the beautiful Finger Lakes region and terroir. We are now living our lifelong dream of creating artisan wines Come And Experience We love to share our passion of creating artisan wines to wine novices and connoisseurs alike ! Mother Nature is the true artist. Our passion allows her to shine. Enjoy the moment Experience our personalized and educational tastings from our passionate team. Relax with your FRIENDS & FAMILY on our terrace overlooking beautiful KEUKA Lake THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM

Wine and Dime

Exploring Medical Benefits and Health Plans

October and November are known in financial planning circles as Open Enrollment season. What does that mean for you? It means that its time to again to take a look at those employee benefits and see if its time to make some changes. This episode of Wine and Dime will tackle those issues and some of things that you should be considering when looking through your employee benefit packages Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://www.wiemer.com/product/cabernet-franc-2/ (Hermann J. Wiemer Vineyard)https://www.wiemer.com/product/cabernet-franc-2/ (Cabernet Franc)DescriptionCabernet Franc is ideally suited to the long falls of the Finger Lakes. Extended hang time in our riper sites builds structure and flavor complexity, evidenced in the generous raspberry and plum aroma on our medium-bodied Cabernet Franc. On the palate it combines bramble fruit, soft tannins, and a black pepper finish. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM

Open Enrollment and Employee Benefits

Welcome back Wine and Dime Listeners! This week it was my pleasure to talk to fellow entrepreneur Elin Barton. In this episode we talk about Grit. The grit it takes to open you own business, is a characteristic that Elin and I share. We talk about what it takes to be a business owner, female business owner and plenty of other topics. We dig into Elin book, "https://elinbarton.com/book/ (Ready, Set, Grit: Three Steps To Success in Life, Business & The Pursuit of Happiness)". We think you will enjoy the conversation, and be sure to check out Elin's recommendation as well! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://elinbarton.com/about-elin/ (Elin Barton) ABOUT ELINI’m so passionate about working with entrepreneurs for a couple of reasons. First and foremost, these are my people. I grew up in an entrepreneurial family, which means that the tendency to want to be independent, calling my own shots, playing by my own rules, and creating my own luck- all of that is (quite literally) in my blood.Entrepreneurship is what I live and breathe. When things are going well in a business that you either started or molded with your vision and hard work – well, there’s nothing that compares to that feeling. It’s fun, exciting and a giant ego boost. You feel good and you feel like you can take on the whole world. Like every other entrepreneur, I love that feeling!But then there are those other times, when it feels like you’re doing everything in your power to make things work in your business, but you’re just stuck. I know all too well what that’s like too, and I’ve been at my own rock bottom where funds had run out, resources had dried up, and I had no idea how to turn things around. I had two children, a husband and employees who were all counting on me, and although I was working my behind off, nothing seemed to be making much of a difference. I felt like a horrible failure. How could I be in my 40’s, be a business owner and be just inches away from having my car repossessed or from bouncing the check for groceries.I knew in my heart that my situation was ridiculous, but I also knew in my heart that there was a reason for it. Even on my very worst days I was journaling the experience because I never wanted to forget it. And ironically, going through all of that was the exact motivation I needed to figure out an answer to my biggest problem: How do I get UNSTUCK?I began a journey of searching for that answer. I started a pod cast and began interviewing people who were smarter than me -people who I thought might hold the key. The more people I talked to, and the more notes I took, I started to see some common themes emerging.I wrote them down, started testing them out and hired a business coach.I talked to more and more people and started working with some fellow entrepreneurs. Eventually, I uncovered a consistent method for a Dynamic Upwards Pivot and now I love working with people who need to make their own pivot, whether that pivot is motivated by a need for more money and cash flow, or whether it’s about becoming more aligned with a purpose or passion.Just because you’re an entrepreneur, and by your very nature are extremely independent, that doesn’t mean you have to navigate tough waters on your own. Let’s do this together, and pivot toward a more prosperous future.https://elinbarton.com/book/ (READY, SET, GRIT: THREE STEPS TO SUCCESS IN LIFE, BUSINESS AND THE PURSUIT OF HAPPINESS)Ready, Set, Grit is your guide to identifying what you want out of life and how to get it. Whether you are just getting started in your career, reinventing yourself, or looking to break through barriers in your business, you MUST master the three tenets of this book:  Mindset – learn how to crush your own self-limiting beliefs Foundation – preparing for success by creating your support...

Talking About Grit with Elin Barton

In the final insurance topic of the month, we discuss Pet insurance! Yes, those "fur babies" might need a little planning too. Vet bills can be a costly expense, and planning for those expenses with insurance just might be the answer you are looking for. In this episode of Wine and Dime we discuss just that, along with some other money saving tricks when it comes to your pets! Be sure to curl up with your favorite bottle of wine, and your little fur baby and enjoy the show! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://www.petinsurancereview.com/dog-insurance (Best Dog & Puppy Health Insurance Plans | Pet Insurance Review) Compare the best dog insurance plans from top pet insurance providers. See their reviews before choosing a policy to cover your dog's health. https://www.heronhill.com/ (Heron Hill Winery) 2018 Eclipse Red 44% Merlot, 31% Cabernet Franc, 25% Cabernet Sauvignon. A well-balanced red blend with jammy flavors of black cherry and blackberries. Hints of nutmeg and licorice are in the background with soft tannins.  THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM

Pet Insurance

In this episode of Wine and Dime, we continue with Septembers topic of insurance. In this episode we cover other types of liability insurance, and do a deep dive on Umbrella Insurance! What Is Umbrella Insurance?https://www.investopedia.com/terms/u/umbrella-insurance-policy.asp (Umbrella insurance )is a type of personal liability insurance that can be indispensable when you find yourself liable for a claim larger than your https://www.investopedia.com/terms/h/homeowners-insurance.asp (homeowner's insurance) or auto insurance will cover. If you own a boat, umbrella insurance will also pick up where your watercraft's liability insurance leaves off. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Wine Suggestion of Weekhttps://pointofthebluffvineyards.com/product/2019-rooftop-reds-blaufrankisch (2019 Rooftop Reds Blaufränkisch)Wine Profile A full bodied red with subtle cherry wood, leather and floral notes on the nose. Soft plum and juicy blueberries on the palate. Delivers a round mouth feel with gentle tannins. Vineyard Notes Simmons Vineyard, Keuka Lake, New York Production Notes Fermented with the skins on, pressed dry. 1 ton picking bins, pushed down twice daily, vinified 15 months in French oak. 304 cases made

Other Types of Liability Insurance

Welcome back Wine and Dime Listeners! This weeks topic is all about Homeowners and Renters insurance. Homeowners InsuranceA homeowners insurance policy is taken out by the owner of the home. The amount of insurance generally covers both the cost to replace the home in the event of a total loss and the personal property in it, such as furniture, appliances, clothing, jewelry, and dishes. If a home costs $200,000 to rebuild and the items inside the home cost $150,000 to replace, a homeowner who wanted to cover everything would need to insure the property for at least $350,000 Renter’s InsuranceRenter’s insurance is for occupants who do not own the property but want to protect their personal belongings that are in the home or on the property. It is important for renters to note that the property owner’s insurance policy does not cover them and their items in the event that they are damaged or destroyed. Renter’s insurance policies will reimburse a renter for the replacement cost of property that is lost or damaged while on the property. It can also extend to means of transportation, covering items stolen from your car or a bike stolen while you were at work. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com BULLY HILL - CABERNET FRANCAromas of raspberries and plums are the centerpiece, with polished tannins completing the symphony. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM

Homeowners and Renters Insurance

Welcome back to another episode of https://www.rootedpg.com/podcasts (Wine and Dime). We continue insurance month here at Wine and Dime, with this weeks topic being all about auto and vehicle insurances. Again, not the most glamorous topic, but oh so important. We cover why it's important to insure all types of vehicles, not just your cars, and even through a tip or two in there to potentially help lower your rates, so be sure to give it a listen! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com This weeks Winery and Wine Selection! https://www.weisvineyards.com/ (Weis Vineyards)10014 Day Road Hammondsport, NY 14840 (607) 284-4011 Born in Zell Mosel, Germany, Winemaker Hans Peter Weis traveled to the United States on a quest to pursue his passion and discover the world. However, his travels were cut short when he stumbled upon his home away from home in the Finger Lakes region of New York. Finding the minerality of the soil and climate similar to that of home, he is able to pursue his passion of handcrafting traditional German style wines for all to enjoy. Zum Wohl!

Auto and Other Vehicle Insurances

Welcome to another episode of Wine and Dime, the podcast where we talk about personal finance and Wine. I this episode we are talking about property and personal insurance. This is a topic that isn't the most glamorous, but it's oh so important! Remember insurance is all about transferring risk and we want to make sure that you thinking about some of the gaps that might be in your insurance policies. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com

Guide to Insurance Basics

In this episode of Wine and Dime we cover Disaster Preparedness. This is a topic that I was thinking a lot about this week, with the flooding in my home town and the Hurricanes that some of my clients were experiencing on the east coast. I cover some things that I went through and some tips that may help during a potential financial burden. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com https://shawvineyard.com/ (Shaw Vineyard) is a Finger Lakes artisanal winery dedicated to gentle processing, cellar aging, and risk taking. Since 2002, Shaw has stretched the limits of cool-climate winemaking, experimenting with hands-on, old world methods to enhance the expression of some of the world’s most celebrated varietals. We believe in sustainable viticulture and fine agricultural craftmanship. This is a vineyard-focused winery, owned and operated by a winemaker and grape grower with over 40 years of vinifera experience. What are orange-style wines? They are not wines made from oranges. Instead, they are white wines made like red wine (i.e. skin contact). This is an ancient method of winemaking that is still done in rural areas in Europe, mostly in eastern Europe. Steve Shaw was one of the first Finger Lakes winemakers to throw caution to the wind and dedicate large, commercially viable lots to the orange wine experiment. The first vintage was 2013, and it was extremely successful with both critics and consumers. The second vintage, in 2014, went even further by allowing skin contact for over an entire year before pressing! Grapes used thus far in orange wine have been Gewürztraminer, Sauvignon Blanc, and Pinot Grigio. These orange wines will not undergo filtration and are made in a cloudy vin rustique style, enhancing mouth feel and texture. Orange wines are very approachable but they defy typical expectations. In some respects they can have the bounce of a white wine but the depth of a red, and yet the flavors are difficult to pin down in one easy description. Curious wine enthusiasts have something different to try at Shaw Vineyard.

Disaster Preparedness

In this episode of Wine and Dime Kerrie Beene guest hosts and we bring back a Webinar that Kerrie did. In it she is talking about the dynamics that come into play while dealing with loved ones when getting older. She talks about the barriers and the downfalls of not having a plan and some of things to think about. This a great episode for anyone of any generation. Winery - https://www.livingrootswine.com/ (Living Roots Winery) Living Roots is an urban winery in the Finger Lakes region of Upstate New York [Colleen’s hometown] and a not-so-urban winery in the Adelaide Hills region of South Australia [Sebastian’s hometown]. Though Living Roots was founded in 2016, our legacy began six generations back with Thomas Hardy, Seb’s great-great-great grandfather. In 1850, at the age of 20, Thomas immigrated to the new British colony, Australia, and jumpstarted 150+ years of family winemaking. Seb grew up in his dad’s vineyards, particularly in the Kuitpo subregion of the Adelaide Hills, got a degree in Viticulture and Oenology in Adelaide, with an exchange in California, and worked vintages all over the world.  On the other side of the world, Colleen grew up in Rochester, New York [spending time around the Finger Lakes region], studied marketing, worked in corporate America, and headed to Adelaide for the 2014 vintage at Hardy’s Tintara Winery when she was ready for a new adventure. We established Living Roots in 2016, and started splitting our time between South Australia and New York, doing two harvests each year. We source grapes from different vineyards and growers, including from both of our families, and some wines are made year-to-year while others are one-offs. In the Finger Lakes, our focus is on rich whites and sparklings, and in South Australia, it’s vibrant, medium-bodied reds. Each vintage is an opportunity to explore new vineyards and varieties, and our aim is to highlight the terroir and natural strengths of these diverse regions, making wines with wild ferments, minimal inputs and maximum deliciousness. We opened the Living Roots urban winery and tasting room in Rochester, New York in 2017, bringing our Finger Lakes and South Australian wines to the Upstate New York market first. Now, we’re putting more emphasis on Living Roots’s presence in Australia, expanding distribution and setting up a cellar door with tastings by appointment in Kuitpo where we have our small winery. Stay tuned for what’s next! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com

Between Generations - The Cost of Silence

Show notes are a work in progress Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com

Using Legal Documents to Protect Your Finances

August is Estate Planning month for us here at Rooted Planning Group. We couldn’t think of a better time to re-release this episode with Amy Refeca. We think there is a lot of great information here that anyone can use. In this episode of Wine and Dime, I chat with Amy Refeca.  Amy is lawyer specializing in estate planning.  In particular, estate planning for women... Mother. Wife. Christian. Business owner. Attorney. Cardinals Fan. Lover of MLB. Helping Women Protect What They Love With A Will or a Trust.We share financial stories and of course, talk about our favorite wines, or wine blends as it may be.   One thing that I found very interesting is what Any calls "The Six D's of Estate Planning.  And these center around life events that may trigger an Estate Plan, or a need to revisit the Plan. Death Divorce/Marriage Birth Day Disabled or Illness Dividend or Income Distance.  If you or someone moves a distance near or far away. If you’d like to work with Amy Refeca be sure to check out her information below! Amy RefecaFACEBOOK@ATLWILLSANDTRUSTSLAWGROUPTWITTER@ATLWILLS_TRUSTS The WineMALBEC SANGRIASangria  is an alcoholic beverage of Spanish origin. A punch, the sangria traditionally consists of red wine and chopped fruit, often with other ingredients such as orange juice or brandy. THIS EPISODE WAS PRESENTED BY AMY IRVINE AND IN COLLABORATION WITH https://senecalakewine.com/ (THE SENECA LAKE WINE TRAIL )ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830 https://www.rootedpg.com/ (WWW.ROOTEDPG.COM) EMAIL: AMY@ROOTEDPG.COM

Revisiting The Six D’s of Estate Planning with Any Refeca

This is a rebroadcast of a previous episode. With August being all about Estate Planning, we felt that it was time to revisit this episode. Mike is a wealth of knowledge and shares so much information that we wouldn't want you to miss. Enjoy! Thank you for tuning into a very special edition of Wine and Dime. In this episode I talk with Mike Martino. Mike is an attorney and partner at the firm of Rossettie Rosettie & Martino. His practice is primarily a Trusts and Estates practice with special emphasis on the area of law known as Elder Law, including Medicaid Planning, Long Term Care Planning, Asset Protection and related Nursing Home issues. Mike offers his Elder Law clients a variety of strategies including asset protection trusts, annuity planning, promissory notes and other devices to preserve clients’ assets. This was great conversation that everyone can get some great information from. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com

Lets Revisit Talking About Elder Law with Mike Martino

Welcome back Wine and Dime Listeners! In this episode we are tackling two subjects, but in a lot of ways they are related, or can be related. First, we are talking about Credit Scores. We are informing what goes into how they are calculated/scored and ways to help you increase your credit scores. Second, we are talking about Student Loans. Our goal in this episode is to talk about the types of student loans and some of the programs that are available to you. In the links below we supply you with some check lists to help you out with your student loans. Feel free to download and use them! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Student Loan Income Driven SummeryWhat Issues Should I Consider When Paying Off My Student Loans?

Credit Scores and Student Loans

Hello Wine and Dime listeners. On this weeks episode, we step away from the monthly topic about debt, and talk about another hot topic, Burnout. Kate Lee from Brimstone Consulting Group stops by to help us discuss this topic. Kate is the Managing Director at Brimstone and has worked all around the globe and with fortune 500 companies. It's this experience that led me to talk to her about the topic of Burnout. During the past 6-8 months we've been hearing a lot about this topic and felt it was important to talk about it. So, what is burnout? Burnout is a state of emotional, physical, and mental exhaustion caused by excessive and prolonged stress. It occurs when you feel overwhelmed, emotionally drained, and unable to meet constant demands. With all the stress that Covid-19 brought on, and the new challenges that had to be overcome, burnout has become a more and more prevalent issue with companies asking employees to return to the office. Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com

Talking About Burnout with Kate Lee

A podcast that combines two of my passions... Wine and financial planning. Subscribe to Wine and Dime with Amy Irvine. Each week, Amy sips one of her favorite wines, carefully paired with financial planning advice.

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