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Breaking Bonds
Direct Answers - Column for the week of March 8, 2004
I am just out of high school, and I have come to realize what I really want is completely out of my family's standards. I come from an Indian family, where the standards are extremely high....
Develop a Strong And Interesting Lifestyle
If you're a guy who people stay away from because it seems like you just came out of the crapper with toilet paper hanging out of your pant leg and the door hit you on the way out, you're going to have to work on developing a more interesting...
Five Effective Ways of Saving Marriage
Is your marriage headed for a really stormy weather? Is it
tearing you apart? Do conversations with your partner go round
in circles? If you answer yes to all these questions, chances
are your marriage is in trouble.
Many marriages today...
Help Your Marriage Survive The Rough Spots
Every marriage has its ups and downs, its rough periods. Even in the best of circumstances, there are going to be difficult times. People change. Circumstances change. Emotions change. Over time, the natural ebb and flow of everyday...
Top Ten List of What to Do and What Not to Do in Relationships
Most of us who have been intimately involved with someone beyond the infatuation stage know that relationships are like a rollercoaster ride. When things are good, they are very, very good. When things are bad, they are very, very bad. As a...
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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
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