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Denise Michaels
Author, "Testosterone-Free Marketing"
MarketingForHer.com
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At age 47, Denise
Michaels says with a smile, âMaybe Iâm a late bloomer, Iâm finally
coming into my own.â
In 2005 Denise became a
published author with her myth-shattering book, âTestosterone-Free
Marketing.â Since 2003 sheâs lost 120 pounds and is keeping it off.
Sheâs been in a loving relationship with her soulmate Ernie since 1997.
âIâve learned a thing or two about overcoming obstacles and achieving
big goals,â she adds.
If you
own a business, check out her book, âTestosterone-Free Marketing." It
will help you be a confident, woman business owner and put more profits
in your purse without clobbering the competition or being a pushy
salesperson. Go to
DeniseMichaels.com
for more information. Also, get more exciting information about
marketing for you at
MarketingforHer.com
Denise is passionate about supporting others to go for their dream.
That's why she created this resource site - to help you - the 40+ woman.
Itâs about providing useful information to help you get more of what you
want â more love, more money, less stress, better health. Itâs all
important.
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Why Women Should Worry About Retirement More Than Men
By Steve Wilcott
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.
Steve Wilcott is the author. This article provided courtesy of http://www.penny-stock-guide.com You can email Steve at: support@arundel.net
Tell your friends about this site! This blog is provided by Denise Michaels. To see more blogs by Denise go to http://www.GreatIdeasForWomenOver40.com Michaels is author of the myth-shattering book, "Testosterone-Free Marketing" for women business owners. Go to http://www.MarketingForHer.com and click on "Get the Book!"
posted by Denise Michaels @ 6:46 PM
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