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Why Women Need Social Security

April 18th, 2012

Why Women Need Social Security By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert Did you know that the first person ever to receive ongoing Social Security benefits was a woman? Ever since Ida May Fuller received the first retirement benefit check in 1940, women have been counting on Social Security to provide much-needed retirement income. Social Security provides other important benefits too, including disability and survivor\’s benefits, that can help women of all ages and their family members. Retirement benefits: a steady stream of lifetime income While... Read More

For Better, For Worse: Communicating About Retirement

January 31st, 2012

For Better, For Worse: Communicating About Retirement By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert A recent survey suggests that many couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. The couples surveyed were at least 46 years old with a minimum annual household income of $75,000 or at least $100,000 in investable assets.1 Only 41% said they handle decisions on retirement savings and investments together, and 73% disagreed on whether they had a detailed strategy for retirement income. Many couples... Read More

Not Your Grandmother’s Retirement – a Look at Retirement in the Modern World

December 23rd, 2011

Not Your Grandmother\’s Retirement – a Look at Retirement in the Modern World By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert According to the Centers for Disease Control and Prevention, the average life expectancy in the United States was 77.9 years as of 2007. That longer life expectancy has an impact on all aspects of society, from health care expenses and employment law to retirement planning and finances. A higher life expectancy can have its greatest impact on retirement planning, since it requires that your nest egg support you for decades after you... Read More

What Women Need To Know About Preparing for Retirement

October 28th, 2011

What Women Need To Know About Preparing for Retirement By Pamela J. Sams, CRPC NABBW’s Retirement Planning for Women Expert As women, we have many different roles that we take on throughout our lives. We are daughters, wives, mothers, employees, housekeepers, volunteers and much more. With all of this activity, hustle and bustle, thinking about the day when we will retire always seems like it is a long way off. It can be difficult to put effort into saving for something that seems such a distant idea. However, planning and preparing for retirement is one of the most important things that... Read More

Writing Out Your Retirement Goals

September 12th, 2011

Writing Out Your Retirement Goals Before you begin looking for a financial advisor to advise you on retirement investments, it helps to write out a list of retirement goals. The writing exercise forces you to think both concretely and abstractly about what kind of budget you will live on during your retirement. As an example of how this exercise can help you, this article provides a discussion of 3 thought-provoking questions for future retirees. 1. How much monthly income do you need to live on during retirement? This is a big question. You can start by thinking about the age you want to retire... Read More

Powerful Tools to Reach Your Career Goals!

September 2nd, 2011

Powerful Tools to Reach Your Career Goals! By Dumont Gerken Owen, Ph.D. NABBW’s Women & Work Expert Many of you are working extremely hard to reach your career goals with little success. Maybe this is the time to try another approach. Try some of these powerful ways to manifest success in your career goals. 1. Define your ideal career. Visualize each detail: What are you doing? In what setting? Who would you work with? Is it consistent with your passions? Often professionals such as athletes improve their performance by the use of visualization. 2. Attract the results you most desire.... Read More

Women Boomers: Promote Your Unique Soft Skills & Ace the Interview – Part 1

July 8th, 2011

Women Boomers: Promote Your Unique Soft Skills & Ace the Interview – Part 1 By Dumont Gerken Owen, Ph.D. NABBW’s Women & Work Expert What are Soft Skills? They are the nontechnical skills that consistently rate high with employers…and Guess What? They\’re the skills in which Boomers excel! Sometimes, however, you have to make those skills clear to the interviewer by knowing how to promote the knowledge and wisdom you\’ve gained from your experience. I recently read an article by Katharine Hansen, Ph.D., Creative Director and Associate Publisher of Quintessential... Read More

Even in the Worst of Times, Best Prepared Candidates Still Get Jobs

May 26th, 2011

Even in the Worst of Times, Best Prepared Candidates Still Get Jobs By Dumont Gerkin Owen Ph.D. NABBW’s Women & Work Expert How is it that even when the times get really tough in the job market, there are always individuals who find jobs.  Are they smarter than you?  Too young, too old? Better qualified, cheaper or are they the best-prepared candidate out of the applicant pool? So how do you, as an applicant, become the employer’s best of the best? Work harder and smarter than your competitors The average advice is to spend twenty hours per week for a part-time job and... Read More

Discouraged in Your Job Search? Kick Your Inner Gremlin to the Curb.

April 21st, 2011

Discouraged in Your Job Search?  Kick Your Inner Gremlin to the Curb. By Dumont Gerkin Owen Ph.D. NABBW’s Women & Work Expert What is a Gremlin?  He or she is the one that whispers negative messages in your ear:  “You’re too old, your skills are out of date, why would anyone hire you, you’ll never find a job?  Old dogs can’t learn new tricks.  Employers only want direct experience in the position or industry and don’t recognize the value of transferable skills. When does it appear?  Usually at the worst time possible.  You’ve just been laid off, fired or resigned. ... Read More

The Gender Gap in Employment: A New Twist?

April 5th, 2011

The Gender Gap in Employment:  A New Twist? By Dumont Gerken Owen, Ph.D. NABBW’s Women & Work Expert The recession has had a devastating effect on salaries and hiring rates for both men and women.  Evidence, however, indicates that the gender gap has extended from a disparity of salaries and advancement to the job search. According Tony Pugh of McClatchy Newspapers, for every twenty jobs that are filled, only one was by a woman.  This is particularly disturbing as in recent years women have risen to 52% of the job force.  According to Pugh this is not necessarily due only to systemic... Read More