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Winning at Working: Incremental Actions Trump New Year’s Resolutions

January 13th, 2014

Winning at Working: Incremental Actions Trump New Year’s Resolutions By Nan Russell NABBW’s Associate for Winning at Work A recent study found that nearly half of us will make New Year’s resolutions in 2014, but only eight percent of us will reach or keep the promises we make for ourselves. Maybe that’s why I’m not a big fan of New Years resolutions. Sure I’ve made dozens of them, all with good intentions and a bit of magical thinking, believing this time the resolution will stick. Maybe a few have, but generally these wishful self-promises end up broken. And when that happens my... Read More

A Retirement Income Roadmap for Women

March 11th, 2013

By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert More women are working and taking charge of their own retirement planning than ever before. What does retirement mean to you? Do you dream of traveling? Pursuing a hobby? Volunteering your time, or starting a new career or business? Simply enjoying more time with your grandchildren? Whatever your goal, you\’ll need a retirement income plan that\’s designed to support the retirement lifestyle that you envision, and minimize the risk that you\’ll outlive your savings. When will you retire? Establishing a... Read More

Does Creating Your Personal Career Brand Make You Want to Cringe?

March 4th, 2013

By Dumont Gerken-Owen, PhD, Certified Career Management Coach  NABBW’s Women and Work Expert Would you rather eat a worm than create a personal career brand? In reality, developing a personal career brand  doesn’t have to be torture because you are already living it. The fact is, you don’t create a personal brand:  You discover it. Simply said, think of your personal brand as the essence of whom you are and the unique attributes only you can bring to the table.  The key to a powerful brand is understanding your authentic self- the values, passions, personality preferences, knowledge... Read More

A Women’s Guide to Healthcare in Retirement

November 19th, 2012

Why Women Need Life Insurance By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert At any age, health care is a priority. But when you retire, you should probably focus more on health care than ever before. This is especially true for women. Women live longer, develop certain chronic conditions (e.g., osteoporosis) at a higher rate than men, and are more apt to experience medical limitations that directly affect their daily activities. That\’s why it\’s particularly important for women to factor in the cost of health care, including long-term care, as part of... Read More

Jumping Work-Hurdles

September 22nd, 2012

Jumping Work-Hurdles By Nan S. Russell NABBW’s Winning At Work Expert It feels great at the end of a workday to know you\’ve made progress on a mounting to-do list, resolved a persistent problem, dealt with a difficult challenge, or accomplished an important objective. Yet, too often we get to the end of a day and haven\’t felt feelings of satisfaction, accomplishment, or progress at work, at least not as much as we\’d like. Instead, frustration, bureaucracy, and unresponsiveness creep in to thwart our well-being. The days when frustration rules are difficult progress... Read More

Why Women Need Life Insurance

September 15th, 2012

Why Women Need Life Insurance By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert Today, women have more financial responsibilities than ever before. How will your family or loved ones manage financially if you die? Whether you are single, married, employed, or a stay-at-home mom, you probably need life insurance. At the very least, life insurance can help pay for the costs of funeral and burial services, estate administration, outstanding debts, estate taxes, and the uninsured expenses of a final illness. Who needs life insurance? Working women Increasingly, families... Read More

Women and the Retirement Ripple Effect

July 29th, 2012

Women and the Retirement Ripple Effect By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert Women today are an integral part of our economy and key financial decision-makers in their families. In the last 40 years, women\’s incomes have risen more than 60% according to the U.S. Bureau of Labor Statistics and women control 51% of the private wealth in America1. Despite this influence, there are certain factors distinct to women that create challenging retirement realities for them. As a group, lower wages on average and more time spent out of the workforce than men... Read More

Financial Challenges of Caring for an Aging Parent or Parents

July 29th, 2012

Financial Challenges of Caring for an Aging Parent or Parents By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert It was your parents who made sure the tooth fairy never forgot you, and took care of all the bumps and bruises of childhood. They were taking the pictures when you graduated from high school, and later when you married. When you gave them grandchildren, you could see them glow with pride. Now, they are aging and unable to live alone. They need your help with some things and you are bringing them to live with you. The challenges are the same whether you assisting... Read More

It Takes Time

June 6th, 2012

It Takes Time By Nan S. Russell NABBW’s Winning At Work Expert The story goes that after one of Ludwig van Beethoven\’s performances, several people were offering him their congratulations, when one woman commented, “I wish God had bestowed me with such genius.” “It isn\’t genius, madam, nor is it magic.” Beethoven replied. “All you have to do is practice on your piano eight hours a day for 40 years.” That\’s not the message most people want to hear. Most prefer buying the magazine which headlines, “Miracle Weight Loss Discovery,”... Read More

Retirement Rules of Thumb

June 4th, 2012

Retirement Rules of Thumb By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert Because retirement rules of thumb are guidelines designed for the average situation, they\’ll tend to be “wrong” for a particular retiree as often as they\’re “right.” However, rules of thumb are usually based on a sound financial principle, and can provide a good starting point for assessing your retirement needs. Here are four common retirement rules of thumb. The percentage of stock in a portfolio should equal 100 minus your age Financial professionals often... Read More