women

Esta semana en FinCon18 presentamos la variedad de programas e iniciativas que tenemos para ayudar a las personas en el país a planificar —e idealmente alcanzar— una jubilación segura. Incluso la embajadora financiera de AARP, Jean Chatzky, presentó en la conferencia un poderoso mensaje sobre las finanzas personales durante la próxima década. Con eso en mente, pensé en temas importantes para las mujeres en particular. El rol cambiante de las mujeres en Estados Unidos ha sido el centro de atención en los últimos años. Puedes darte cuenta al mirar los números históricos de mujeres postuladas para un cargo este año y el número récord de empresas cuyas propietarias son mujeres. Pero ¿sabes qué no está cambiando? El hecho de que las mujeres son más propensas a enfrentar la pobreza que los hombres durante la jubilación, especialmente las mujeres afro-americanas y latinas. Las mujeres enfrentan una batalla cuesta arriba cuando se trata de su seguridad financiera. En promedio, viven por más tiempo que los hombres, por lo que sus ahorros jubilatorios necesitan durar más. Además de eso, sus salarios usualmente son más bajos, por lo que se les hace más difícil ahorrar, y sus beneficios futuros del Seguro Social son menos. Más aún, muchas toman tiempo fuera del trabajo (o recurren a planes alternativos de empleo, como a tiempo parcial o por contrato) para cuidar de hijos, padres ancianos y otros seres queridos. Todos estos factores hacen que sea todavía más difícil que las mujeres hagan crecer los ahorros que necesitan para un futuro próspero y seguro. Si bien el Seguro Social es una pieza fundamental del rompecabezas, depender solo de él no es suficiente.  Sin embargo, muchas mujeres de 65 años o más dependen del Seguro Social como la fuente casi todos de sus ingresos familiares:

This week at FinCon18 we’re showcasing the many programs and efforts that we have to help Americans plan for – and ideally achieve – a secure retirement. AARP’s Financial Ambassador, Jean Chatzky, is even delivering a powerful keynote at the conference on big themes in personal finance over the next decade. With that in mind, I got to thinking about big themes for women in particular. The ever-changing role of American women has been front and center the past few years. You can see that just by looking at the historic numbers of women running for office this year and the record-breaking number of women-owned businesses. But you know what isn’t changing? The fact that women are more likely to face poverty than men during retirement, especially black women and Latinas. Women face an uphill battle when it comes to their future financial security. On average, women live longer than men, so their retirement savings need to stretch farther into the future. On top of that, their wages tend to be lower, making it more challenging to save and their future Social Security benefits even smaller. What’s more, many take time out of the workforce (or turn to alternative work plans like part-time or contracting) to provide care for children, elderly parents and other loved ones. All of these factors make it even harder for women to grow the savings they need for a bright and secure future. While Social Security is a critical piece of the puzzle, it is not enough to depend on.  Yet, so many women age 65+ rely on Social Security for nearly all of their family income:

What makes us orgasmically nostalgic — or is it nostalgically orgasmic? — whenever an oldie but goodie pops up as a “new” trend?

We’re in the homestretch of the 2016 election and women voters are certainly getting a lot of attention. Older women — particularly women of the boomer generation — may decide the presidential election. Unfortunately, the candidates and the news media aren’t addressing their everyday needs and concerns.

On Aug. 14, Social Security turned 81 years old — an important milestone that had me reflecting on how far we’ve come . . . and how much work we still need to do.

My grandmother told me, “It’s as easy to date a rich man as it is to date a poor man.” Or was that marry a rich man? Anyway, I’ve dated both indiscriminately.

Interview 100 people currently engaged in dating and I suspect the majority would say, “This sucks.”

OK, ladies, let’s look at specific male dating behaviors and identify which ones might work for us, too. Here are a few of my favorites from the book How to Date Like a Man by Myreah Moore.

One man I was going out with said that men date different women simultaneously to find the most appealing one. Others tell me you have to kiss many frogs to find your prince.

A recent first date was quite forthcoming. He suggested that I date like a man.