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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 50f 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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 Flattering Styles For Women With Curves
 by: Her Plus Life

Are you one of those fabulous women that has curves, and you would like to know a fun way of showing them off? There are several ways to make your figure look the way that you want. It is all in the manner that you carry yourself. Being confident and following a few basic rules on how to dress will make you look like the woman you want to be.

The first rule is to go out and buy the correct size bra. A good bra will make your outfits look the way that they should. Having curves is a wonderful thing to have, but you need to know how to make them fit right with your clothing style. It is amazing what a great bra can do for your figure.

The second rule is buying clothes that are the right size for you. So, go ahead and throw away all those clothes that are too baggy on you. Say hello to a more fun, alive figure. Stop hiding it. Wearing sizes too big or small for your body frame will only accentuate your weight, and not your lovely curves. You do not want to wear shapeless styles. Try wearing semi-fitted separates. It will make you look taller and thinner, and make it look like you have a more sculpted waist. Wear tops that just skim your waist and hips. Jackets should be worn just to the length of your fingertips. As for your bottoms, select clothes that tend to taper downwards. It will look better than other styles. Skirts will look good if they are not too high. If you can sit in your skirt without it ridding up on you, then you are all set. Shift dresses are great especially with a round neckline. It will even out your proportions wonderfully.

The third rule is not to wear anything that is too bold, and that calls extra attention to yourself. That means no super bold prints, no big patch pockets, no oversized buttons or bows, and no horizontal patterns. You want to wear a nice crisp line of color, and then accessorize with just a few simple accessories such as jewelry or a scarf. Sometimes even just wearing one solid color all over is great look. It will add height to your frame, and shrink your width.

The last rule is very easy. You should buy the best quality that you can afford. Quality fabrics can make all the difference in how you look. Fine fabrics look better than stiff fabrics that can add inches onto your body. In addition, well-made clothes will hold their shape better. Better shape will improve your shape too. If you follow all these rules, you will look and feel better. So go out, and let your light shine. Better clothes, for a better you!


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