Here are the facts. Generally speaking, women earn less than men, live longer than men, and often take time out of the workforce to have children and/or to care for an aging parent or sick loved one. The potential consequence of these realities? While most U.S. workers are facing a retirement savings deficit, for women, [...]
The managers of well-run businesses usually name "backups" to keep things going smoothly -- just in case. That's also a smart plan for your personal finances, where you risk experiencing financial losses or other difficulties if you can't make your own decisions because of a long illness or other unexpected problem. You might prepare for [...]
Two studies link parenting and productivity. Being a mom may make you a more productive worker. Two recent studies have made that claim, and the flextime often requested by working moms may be a contributing factor. Ernst & Young research concluded that, on average, women working flexible hours wasted less time at work (11.1% of [...]
Looking for ways to Save and Invest? Automate your retirement planning and wealth-building approach. Build your emergency fund with automatic transfers. Practically any bank or credit union can arrange daily, weekly, or per-paycheck transfers of money from a checking account into a savings account, or split your incoming paycheck into percentages going to both accounts. [...]
The loss of critical personnel can be life threatening to small businesses; however, it's a risk that life insurance can often mitigate. In fact, life insurance policies are frequently incorporated in plans aimed at making it possible for a business to survive a change of ownership or the loss of a partner, the chief executive, [...]
A key goal of investing for retirement is making sure you save enough to make your money last throughout your lifetime. On this score, women may need to save more than men. The current life expectancy of a female at birth is roughly 81.3 years, compared with 76.5 years for a male.1 Although five years [...]
Let's say that at the age of 25, you earned $35,000. If your salary increased at the average historical rate, you'd have earned nearly $2 million in total by the time you were 65.1,2 That might sound like a lot -- until you begin thinking about all the financial goals you'll need to juggle in [...]
By 2020, it could be in place. Imagine your home or office completely wired. Everything is voice activated or Web activated. All your devices are artificially intelligent, and you can control them remotely. This is the Internet of Things, and it is on its way. The IoT may change your daily life. Picture yourself on [...]
Nature + creative comforts = a nice camping upgrade. Take camping, infuse it with a little glamour, and you have “glamping”. The tent is set up for you, complete with a nice bed, outlets and/or heat sources, along with hot showers nearby. Good food and drink are steps away, plus the unspoiled outdoors. Sometimes glamping [...]
Tips and techniques to deal with impatience and anxiety. How can you rein in stress on the job? Some simple steps can help you ease tension and leave you in a better frame of mind. Take a deep breath through your nose as you count to four. Then hold your breath for seven seconds. Then [...]
