|
|
|
All I Want for Christmas is My Son Back
The holidays are upon us … and how they churn up our emotions. The expectations … the memories … the empty chairs … Somewhere there’s the Norman Rockwell family celebrating , but it was never at my house. Was it at yours? A client and I have in...
Been There, Done That
Direct Answers - Column for the week of April 12, 2004
Fourteen years ago I was divorced from my second wife, her idea. I'll call her Kay. But I never lost my love for her. She married again and had two children. We always remained friends,...
Children's Discipline: How To Resolve Divorce Parenting Differences?
Did you know that inconsistency on matters of discipline gives double messages, produces anxiety and can be very confusing to your children? Children need to know where they stand in their behaviors. It is therefore critical for parents to...
Finding Someone Special
Browsing through the personal classifieds can be quite frustrating if you really don’t know what qualities or the type of personality it is that you are searching for in the person you are seeking, or in the relationship you are seeking.
...
Juggling Your Way Into Balance
Let's take a brief look at the journey of American women through the last 100 years. Throughout this period, we have proved ourselves to be resilient and flexible, persistent and determined, dedicated, diverse, courageous, and perennially...
|
|
| |
|
|
|
|
|
|
Why Women Should Worry About Retirement More Than Men
Women earn an average of 76 percent of men's salaries. Does that shock you? Yes, even in 2005, women are still way behind the earning curve in corporate America. But rather than get into a discussion of the fairness or unfairness of it all, let's concentrate on just what women can do to ensure that they aren't left out to dry in their retirement age!
After all, because women typically live seven years longer than men, combined with the skyrocketing divorce rate, many women will find themselves alone in their older years. (Statistics show that most women are alone by age 56!) And the figures show us that if a woman took out any time from her career to have children (about seven years) she will pay for it later with only 50% of what her male counterparts will receive in retirement benefits.
Sigh.
So, what can a woman do to ensure that she can retire in style? Start by taking a look at some of our suggestions below.
Save More
Most experts advise us to save about 10 percent of our income in order to have a sufficient amount to retire one, but if you are a woman, you should be saving closer to 12 percent. Because of the reasons listed above, you simply won't receive the same amount in retirement pensions. What's more, the way that social security figures your monthly payment is based on the top 35 years of your work history. But guess what? If you were out for seven or so of those years having children, they will be
counted as "O," and the overall amount will be reduced.
Invest Wiser
Since you will need to save more by retirement age, you will have to more careful with your investments. Know your risk level, and then don't exceed it under any circumstances!
Join the Team
Many employers offer investment and savings strategies such as 401K plans and savings matching programs, and if you are a woman, you should plan to participate in all of them that you can.
Use Cash, Not Credit
An alarming number of Americans today are in serious financial trouble. This was made evident recently with the passing of the new bankruptcy bill that will make it more difficult to file. A record number of people filed for bankruptcy in anticipation of it.
It's easy to get into debt when people today spend an average of $1.21 for every dollar they earn, but don't be tempted to fall into that trap. Instead, plan to put as much money away for the future as you can.
Don't Go It Alone
While it is important for all women to step up to the plate and get serious about their finances, it's equally important for them to get advice from professionals. Talk to tax planners, investment specialists and budget planners to get all the advice that you can.
About the Author
This article provided courtesy of http://www.penny-stock-guide.com
|
|
|
|
|
| divorce.co.uk - advice on mediation, counselling and legal aspects ... |
| An overview of divorce in the UK, including the law, mediation options and emotional support, from Mills & Reeve. |
| www.divorce.co.uk |
|
| Divorce Magazine, information about separation and divorce |
| Divorce Magazine is a compassionate self-help resource for people in need of information about separation and divorce. |
| www.divorcemag.com |
|
| Divorce - Wikipedia, the free encyclopedia |
| Divorce or dissolution of marriage is the ending of a marriage before the ... A decree of divorce is initially granted 'nisi', i.e. (unless cause is later ... |
| en.wikipedia.org |
|
| DivorceNet - Divorce Net: Family Law Information, Solutions, News ... |
| DivorceNet® is the Internet's largest divorce resource, offering state-specific articles, an online community and a nationwide directory of divorce lawyers, ... |
| www.divorcenet.com |
|
| The Divorce Support Page: Divorce, Child Custody, Alimony, Support ... |
| a support site for people experiencing, divorce, dissolution, separation, custody, alimony, visitation, etc. Divorce professionals to help you in your area. |
| www.divorcesupport.com |
|
| Divorce Source: a legal resource for divorce, custody, alimony ... |
| A state specific divorce web site providing information and referrals for people facing and experiencing issues revolving around divorce, separation, ... |
| www.divorcesource.com |
|
| DivorceInfo Surviving Divorce Managing Lawyers Alimony Child Support |
| Divorceinfo -Survive your divorce with some money in your pocket and your dignity intact. |
| www.divorceinfo.com |
|
| Divorce - Wex |
| An overview of divorce law with links to key primary and secondary sources, from Cornell University's Legal Information Institute. |
| www.law.cornell.edu |
|
| MedlinePlus: Divorce |
| Children; Children and Divorce (American Academy of Child and Adolescent Psychiatry) ... Select services and providers for Divorce in your area. ... |
| www.nlm.nih.gov |
|
| Divorce Aid :: Online Guide to UK Divorce Law, Information and Advice |
| The largest free online interactive divorce resource in the UK for divorce law, advice, emotional support, counselling, mediation, and website for ... |
| www.divorceaid.co.uk |
|
| Divorce-Online :The UK's leading low cost divorce service |
| The largest free online divorce and separation resource in the UK with information, forums, chat, experts and articles. |
| www.divorce-online.co.uk |
|
| How to Divorce As Friends - Featured on Oprah - Bill Ferguson |
| Advice, recommended books, and telephone counseling to help couples resolve difficult issues connected with divorce or even save their marriage. |
| www.divorceasfriends.com |
|
| Welcome To Divorce Online ~ www.divorceonline.com |
| An electronic journal providing information and referrals for people facing divorce. |
| www.divorceonline.com |
|
| Federal Magistrates Court - On-line Application for Divorce |
| In the short-term, please use the Application for Divorce form which can be found at ... Our E-mail address for family law enquiries (including divorce) is ... |
| www.divorce.gov.au |
|
| DivorceCare: Divorce Recovery Support Groups |
| DivorceCare is a divorce recovery support group where you can find help and healing for the hurt of separation and divorce. |
| www.divorcecare.com |
|
| Divorce Central Home Page |
| Links to divorce-related resources, organized by state, with an archive of articles and interviews. |
| www.divorcecentral.com |
|
| Divorce Helpline — tools to keep you out of court |
| Providing information about divorce, and referrals to family law attorneys. |
| www.divorcehelp.com |
|
| Divorce and relationship breakdown : Directgov - Parents |
| Advice on counselling, mediation and the divorce process, including where to find a solicitor. |
| www.direct.gov.uk |
|
| Americans for Divorce Reform, Inc. |
| John Crouch speaks about divorce law reform and presents a paper by John Crouch and Richard ... To find out how to work on divorce reform in your state ... |
| www.divorcereform.org |
|
| Divorce Busting® - Solve Marriage Problems, Save My Marriage, Save ... |
| Divorce is not the answer to marriage problems. Stop your divorce and save your marriage with advice from Michele Weiner-Davis. |
| www.divorcebusting.com |
|
|