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Birthparent Loss and Grief
Birth Parent Loss and Grief
by Patricia E. Roles
In the last decade, there has been a growing acceptance that a
loss occurs for birth parents when adoption takes place. In the
past, the emphasis in the adoption process...
Housewife.....Is That All You Are?
HOUSEWIFE......IS THAT ALL YOU ARE? Scenario: You have taken care of the house, the kids, your husband and everything in between for years. You get a sense of happiness and joy taking care of your family, although you get tired sometimes. You...
I Am Woman Hear Me Roar: The Female Homebuyer and Seller Part 2
In Part 1 of this series of articles I discussed female home buying trends in the US and things women commonly consider when making an important real estate purchase. In Part 2, I would like to continue this discussion from an investment,...
The Second Time - Another White Wedding?
That first wedding was a dream, a gorgeous long white wedding dress, a beautiful church, luscious bridesmaids and the groom in tails. Plus all the trimmings and a heavenly reception and a great honeymoon. Upsetting as it is, at least 50 percent of...
Why Men Cheat
"Big, little or short or tall, Wish I could have kept 'em all, I loved 'em every one" - T.G. Sheperd, I Loved 'Em Every One I thumbed through the New York City Yellow pages under "Escort Services". There were twenty-five pages!...
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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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