Lori Ruff, Author LinkedIn #5MinDrill

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No filter needed for the cheery yellow Portulacas on my front porch. @ Lynchburg, Virginia instagram.com/p/CS2iE1fpVYz/…
And a younger one right behind the first! This never gets old! I praise God for where He put me for the next chapter of my life! #hummingbird @ Lynchburg, Virginia instagram.com/p/CSz5tQHpoLI/…
Cryptocurrency is NOT a crime - Sign the Petition! chng.it/nQDfYZfZ via @Change
Going to see my young friend in her stage debut as "Mamma Bear" in Goldilocks and the Three Bears! @ Liberty Christian Academy (LCA) instagram.com/p/CRZ2a3KDHUS/…
RT ileanamusa3: Great night @pinecrest_gardens for Bella’s first Flamenco recital with family and friends. Thank you @furiaflamencamiami for a great show. instagram.com/p/CP5upFqHskd/…
@jeffbullas Wouldn't it be nice if they could use good grammar?
Help me support Aysanna and Esther to help them and other women-owned business farmers buy fertilizer to increase the yield on their crops. Not your bag of cotton? There are men, women, and groups in all areas. You'll find something. kiva.org/invitedby/lori… via @Kiva
RT ileanamusa3: RT @MorganStanley: Employees like Ben, TJ, @ileanamusa3 and Elizabeth Dennis got an early start on walking for this year's Move for Meals initiative, supporting @FeedingAmerica and our other global charity partners. Learn more: …
I've decided to start tweeting again. It's time to continue publicly helping those I was born to help and to tell my story to those who want and need to hear it.
RT ileanamusa3: RT @GHuertaSV: Hacer #preguntas, decir "Sí, y" en lugar de "no" o "sí, pero", realmente trabajar en hacer tu red #contactos, son algunos consejos que @ileanamusa3 de @MorganStanley comparte en el ultimo #episodio de #MujeresyDinero #mujer
@laurasweetjane When I lost my grandfather, I missed the funeral and the family. My parents were ready to leave when I arrived so it was just me and my grandmother... not the best idea to leave a new widow from the "old country" with a precocious 18- year old... took me a long time to reconcile
@laurasweetjane Try to find some way to memorialize his life. My dad has been gone 8 1/2 years. We were all there. There are still moments it seems surreal, esp that first year because I had to fly back to work after only a week.
Where to go with one million miles? I'd start in the Philippines and Tahiti then head to Australia... and come home by way of Russia, Poland, Germany, and Switzerland. Prizes and inspiration await! #AAdvantage40th #giveaway Rules: bit.ly/31cWRDc aadvantage40th.com
This is Definitely NO Longer my SportTrac! #daughter loves her "new" vehicle. @ Amtrak instagram.com/p/CL3jGEjDwvB/…
Even when I've walked through the valley of many deaths, the LORD Almighty has been with me... instagram.com/p/CLipKyWjDid/…
Planning my upcoming trip to Gatlinburg- staying at Westgate Smoky Mountain Resort & Spa. For friends & family: flip.to/r/ccs5h @WestgateResorts
First mail delivery in the new house is a valentine card from my daughter! Um, yep, she bought a new home! @ Lynchburg, Virginia instagram.com/p/CLadUywjlt1/…
That time of the year... 6 month check-in and winter #RA blues. (@ Centra Medical Group Pain Clinic in Lynchburg, VA) swarmapp.com/c/3Ud0eHFpEPA
RT ileanamusa3: @florida_tommy @Twitter @chazmena Oh Chaz, I’m sorry. I know you use your @Twitter account to speak to friends and colleagues.... #FirstWorldTragedy ! 😘
RT ileanamusa3: @wearesuma @iAyannaKelly It starts with a conversation! embrace it because they will come along. Role model the way by complimenting and talking up how Latinos have used wealth to change lives, and positively impact our future. It takes time but we owe it to …
RT ileanamusa3: @wearesuma @PalaciosRosanna So true! I've been there. Many of the same concepts as with the younger generation apply. Create a budget and understand where the money is going. Set goals for the spending and one bucket needs to be savings, automatically, consis…
RT ileanamusa3: @wearesuma @lizee We need to start early and talk to the younger and older generations about money-highlight the good. Money is a trapped resource and if put to good use it can have long-lasting positive impact to our families and beyond. I share stories at t…
RT ileanamusa3: @wearesuma @lizee We need to talk money which will help us have a more positive relationship. Discuss money with your kids, how you budget, save, invest. I took my daughter on her 8th birthday to open an account. Every cash gift she receives we divide it into…
RT ileanamusa3: @wearesuma @_JaylenCarmen Build a budget, save and INVEST.Once you have the plan for saving regularly you create a financial plan to invest (a retirement account, 401K, etc.) and to align your investment strategies and income to bigger goals (buying a home, r…
RT ileanamusa3: @wearesuma completely agree. Needs vs. wants. when you look at the budget you realize that you are able to allocate from the 'Wants' a bit more to start saving towards bigger goals!
RT ileanamusa3: @wearesuma @sidney_nation In my 20s, I outlined a plan of what my monthly spend was (rent, utilities, etc.) and then put 10% of what was left each month automatically in a savings account. Budget, Save, Invest! #LatinaEqualPay
RT ileanamusa3: @wearesuma @sidney_nation Budget, Save, Invest. First step is to create a roadmap. The budget will allow you to know how you are spending and also set goals including putting money aside to save and eventually invest. Remember that a little bit each month wil…
RT ileanamusa3: @wearesuma @oda_za check out @asksnowball, great resource to learn more strategies on student debt
RT ileanamusa3: @wearesuma @oda_za evaluate your debt structure (rate, terms, etc.) and consider options - sending an extra payment each month that gets applied to the balance will allow you to save on interest and pay it off sooner. Also if you have steady income and good c…
RT ileanamusa3: @wearesuma @musicalcurio Great question. Don't wait. Even while in college create a budget to know how you will spend the money each month and include a savings category that you automatically put aside each month. No amount is too small to get started! #Lat
RT ileanamusa3: @wearesuma @saysana_alba I've been there. It's not about the amount but rather the discipline and the plan to allocate consistently to save and eventually invest. You can do it! Start with a budget, you'll be surprised at how much you learn each month from se…
RT ileanamusa3: @wearesuma Scan the not-for-profit landscape because they are not all created equal. Even if the firm is not the ideal one do the research on your role to know your worth. Also, have a range in mind, both a floor and an aspirational target vs. a single number.
RT ileanamusa3: @wearesuma Focus on industry research! moneyunder30.com has a list of websites. Remember that one size doesn't fit all. The role, location, title, scope of role, etc. will impact comp level. Once you've done your research you'll be better prepared! #Lat
RT ileanamusa3: You got​ dinero​ questions and we want to help. Today Oct.29t​h​ at 1:30PM PST/ 4:30 ET Join us! @wearesuma It’s time to close the wage gap mujeres! ​#paymelomismo #buildingwealthjuntos #wearesuma
@timvcox Thanks, Tim! Not yet but after a motorcycle wreck claimed one kidney nearly 15 years ago, my "single kidney acquired" is in Stage III #CKD. My oxidalate level is high so no more #spinach, et al for me! A target of 100 mg per day means I have to rethink a healthy diet.
RT ileanamusa3: I am grateful to work at @MorganStanley, a firm that goes beyond performative allyship to inspire and support Hispanic communities. As #HispanicHeritageMonth comes to an end, here are my thoughts on the importance of remembering the past and looking ahead. ht…
Who knew that Oxalates as well as Calcium deposits can cause kidney stones?!!! Who even knew oxalates existed? (I mean, outside of the nephrology community.) And why don't they tell us these things?
Yep... @loriruff is talking politics tonight. Not supporting one candidate or the other. Just asking questions; making statements; listening to opinions.
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