Karen Swim, APR

Karen Swim,APR #PR, Pres., @SoloPR but more importantly cruelty free, over the top dog mom walking out this journey in life with grace, love and laughter.

[Karen Swim, APR @KarenSwim]

New Episode! "What Solo PR Pros Need to Know About IP, AI Legal Risk and Building a More Valuable Agency"

Sharon Toerek, founder and principal of Legal+Creative and an intellectual property attorney…

Player links & show notes: https://t.co/ZNCUoKlfXz via @PodpageHQ

[Karen Swim, APR @KarenSwim]

@Avabelly__ It looks like a small hole but it does take more to fix. One of my brothers was a contractor, and I learned first-hand the difference between DIY and professional. I have fixed smaller holes on my own (yes there are videos) but regretted not calling in the pros.

[Jared Ryan Sears @JaredRyanSears]

Social Security does not add to the national debt. It is even prohibited by law from borrowing money.

Politicians who talk about cutting or changing Social Security to address the debt are lying to you.

Here is how Social Security funding works:

Social Security is funded by payroll taxes. When more money comes in from payroll taxes than benefits that need to be paid out, Social Security is obligated to invest the surplus in Treasuries.

Treasuries are bonds. Governments and corporations issue bonds to generate money. A bond is a loan from the purchaser to the issuer.

A bond has a principal, a maturity date, and an interest rate. The principal is the value of the bond. When you buy a bond, you pay the principal. When the bond reaches its maturity date, the issuer is required to pay the principal back to the holder. The interest rate is the amount the issuer pays to the bondholder.

It is similar to how, when you take out a 30-year mortgage, you agree to a repayment schedule and to pay interest until the loan is repaid.

As Treasuries mature, if Social Security doesn't need that extra money, it rolls them over by buying new Treasuries.
When Social Security needs more money to cover benefits, it cashes out Treasuries.

The federal government has had a deficit for the past 25 years. This means that when it has to meet its obligations, it needs to borrow money.

This is how people claim that Social Security adds to the debt. That is ridiculous.

Companies and countries buy US Treasuries. You and I can buy them. Anyone holding a Treasury when it matures isn't increasing the debt. The government’s unbalanced budget is causing the debt.

Cutting Social Security will do nothing to get the US out of debt, but it would create hardship for millions of Americans.

Social Security currently has a shortfall, primarily because people are living longer and the large Boomer generation is retiring. In 1960, there were 5.1 people paying into Social Security. Today, there are only 2.7. The trust fund from past surpluses is keeping it afloat, but it is running out.

The easiest way to address the shortfall is to remove the tax cap on Social Security. Benefits do not have to be increased to do this. This is exactly what was done for Medicare in 1993. The tax cap was removed, and benefits weren't increased to better fund the program.

[Karen Swim, APR @KarenSwim]

@mrmikeMTL Absolutely!

[Karen Swim, APR @KarenSwim]

@tajjackson3 The movie was fantastic! I am with you!

[Karen Swim, APR @KarenSwim]

@Wydenzoo For celebration dinners, it is common to split the bill with everyone covering the guest of honor, BUT you stated what you could do upfront, and I applaud that. Your friends were wrong to be upset.

[Karen Swim, APR @KarenSwim]

The hard truth

[John Collins @Logically_JC]

This one hits hard.

[Karen Swim, APR @KarenSwim]

@SarahWorkx A gathering with six kids on a Saturday afternoon does not require notifying your neighbor. You don't control the entire neighborhood. If you want total silence, you should look for a house in the country with no neighbors.

[Vox Optima @VoxOptima]

How to Create a Successful #SocialMediaMarketing #Strategy | https://t.co/cbPHiI9KnP GenZ Marketing

"LinkedIn works well for professionals, while Instagram is great for visual content. Facebook is useful for a wide audience. Instead of using all platforms, choose two or three."

[Karen Swim, APR @KarenSwim]

From @canva email about AI event: "Human skills matter more than ever. Curiosity, critical thinking, storytelling. These aren't soft skills anymore. They're your edge. AI expands what's possible, but people are what make it matter." 1000x yes! #AI

[Vox Optima @VoxOptima]

The Principles of Design: Why Great Design Feels Effortless ~ Kezia Sabrina | https://t.co/ABZdKu1ysL @kittldesign

"The principles of design are the rules that turn “stuff on a page” into visual communication. They help you make choices that feel intentional, not accidental."

[Karen Swim, APR @KarenSwim]

@Amelia558rs All the time. Prayer is not treating God like a slot machine, but opening our heart and communicating with him and LISTENING for His guidance. It is never a miss to spend time in His presence.

[Karen Swim, APR @KarenSwim]

Getting back into the work groove, and so delighted to share this timely article. Now really is the time to go Solo! https://t.co/PznRVWA4Vt

[Karen Swim, APR @KarenSwim]

Happy new year to everyone except companies that make you fight with them on New Year's Day about charges that you never should have received.

[Karen Swim, APR @KarenSwim]

Can any other PR/Comms professionals relate to this? PR Superpowers Gone Wild https://t.co/40v426PFaY via @YouTube

[Karen Swim, APR @KarenSwim]

New episode of That Solo Life Podcast and it's a fun one! @VoiceMattersLLC and I share what we're reading (or planning to read). https://t.co/lGygBQDuld

[Karen Swim, APR @KarenSwim]

@VoxOptima @SoloPR Thank you so much!!!!

[Karen Swim, APR @KarenSwim]

@Holy__Bible1 May we all be humbled by the depth of these words and what it means to live by faith (adherence, reliance) in God!

[Karen Swim, APR @KarenSwim]

Great newsletter with so much helpful info! Could not keep it to myself! Rage Farms: The Hidden Industry Weaponizing Outrage Against Brands https://t.co/m61gbPhRWk via @markwschaefer

[Karen Swim, APR @KarenSwim]

PR professionals sit at the epicenter of AI transformation. https://t.co/ndz6AhTtsZ