Monthly Archives: July 2017

What Every Woman Needs to Know Before They Died

Women in America have made tremendous strides in improving their overall financial outlook and closing the income gap with men. During the last two decades, many women have become better educated and more self reliant regarding their financial future than their mother’s would ever dream. For example “Today there one third more women graduating from college than men, with sixty percent of women with business degrees out earning their husbands”. Also the number of women earning $100,000 or more per year has quadrupled in the last decade.

Although women’s incomes and economic power have increased steadily over the years, women face many unique challenges when it comes to planning for their financial future. Women must be cognizant of the set of circumstances which set them apart from other Americans as they attempt to capitalize on their economic potential and secure their financial future.

Increased Longevity

One distinctive and sometimes overlooked characteristic of American women is the differences in life expectancy between men and women. Typically, women can expect to live an average of seven years longer than men. According to US Census data, males born in the US in 1982 are expected to live 70.8 years. While females born in the same year will typically live 78.1 years. This increased longevity for women creates several challenges that women must consider before they can build a sound financial plan for themselves. In many cases, because women are expected to outlive their husbands, they must plan for more available income during, their retirement years to maintain their lifestyle and independence.

In fact, all Americans due to advances in health sciences are living longer than ever before. Consequently, many retirees are spending as much as twenty years or more enjoying their senior days. When asked, the majority of American retirees felt their number #1 concern regarding retirement, was the prospect of outliving their retirement savings. The effects of inflation and higher taxes make this a real problem for American retirees. For current and future female retirees, the increased chances of a long retirement should be an important consideration in addressing their retirement plan priorities.

Although more women have join the American workforce over the years, more often they still maintain more traditional maternal roles within the household, such as raising kids and being the chief caregiver to the entire family. Women remain the most likely family members to sacrifice career aspirations to provide care to elderly parents, children or disabled spouses. By some estimates, on average women, “will forfeit $550,000 worth of salary and benefits (including Social Security) by taking time off from work to care for family”.

For many women, living longer will also mean potentially outliving their own primary caregivers-their spouses. It will also increase their risk of needing the services of a nursing home facility due to sickness, injury. It is estimated that the majority of women, over 50%, (as opposed to 33% of men) reaching the age of 65 will need nursing home care before they die. Although the Medicare program is designed to protect us in later years from big medical expenses, it pays for nursing home care only in certain limited and very specific circumstances. With the average nursing home care facility running as much as $40-80,000 per year, the cost of these services can have a tremendous impact on personal savings, lifestyles and in some cases restrict financial independence.

Divorce Rates

Divorce rates in America today also have a significant impact on many women’s ability to create long term personal wealth. With divorce rates as high as 50%, the results for many women are a loss of income and often a dramatic change in life style. As if the psychological impact of family separation were not enough, many divorced women are unaccustomed to handling their own finances and many do not have the confidence to take on the role of financial planning for their senior years.

Often after years of unemployment, many divorced women must reenter the workforce in order to supplement or maintain existing standards of living while continuing to provide primary child care responsibilities. As a result, women in this circumstance are likely to find themselves with access to fewer resources, limited years available to generate retirement assets, and insufficient experience in dealing with issues of finance and risk planning.

Failure to Manage Risk

Another consideration for many women is how they handle the inherent risks we all face. In particular, the risk of premature death or disability. This is especially true when it affects the primary income earner in the home. For homemakers, dependent on a spouse’s single income, the risk of financial setback is even greater. Although women in this situation are at greater risk, very often there is not adequate insurance protection to ensure enough income replacement beyond the prime child rearing years. Often couples are more focused on paying for college expenses rather than their retirement or their risks of income loss. Moreover, many couples in this situation don’t consider the number of years of female life expectancy in this equation when considering insurance protection.

The consequence of inadequate insurance protection means that many women are left to support their children without enough income to maintain existing lifestyle. Many are forced to sell their home and uproot their children from their neighborhood, schools and friends. Typically women in the situation, must now return to the workforce after being unemployed for many years. Understandably this creates a shift in focus on immediate income needs and issues of retirement often become less of a priority.

In the majority of cases, providing enough income replacement protection is a result of poor advice or other priorities. However many husbands are reluctant to provide adequate coverage due to negative perceptions and stereotypical ideas. In some cultures, it is not unusual for husbands to reject the notion of insurance all together due to a feeling that they will be leaving their spouse’s wealthy and also may be providing opportunities for future husbands.

Additionally, there is evidence that some women are reluctant to insist that there spouses provide them the protection they need despite the recognized risks. Women in this situation must understand how important insurance is in creating wealth and mitigating risk for families and particularly for women. A suitably positioned insurance plan can often create an “instant estate” and prevent unnecessary upheaval and the sacrifice of retirement goals.

Retirement Plans and Savings Rates

Although the number of women in the workforce is at an all time high, women are less likely to work for companies that offer retirement plans. Where women are offered employer sponsored pensions, they tend to be more conservative investors and often do not fully understand how to maximize their investments plan options. Women without access to employer sponsored retirement plans, place themselves at greater risk of dependence on social programs such as Social Security and Medicare to provide resources during retirement.

Over the years the Social Security system has provided supplemental income for millions of retired Americans. However, according to many estimates, the long term financial viability of the Social Security system is now in doubt. Unless the United States Congress finds the political will to intervene and revamp the current system it is expected that the social security program will no longer be able to pay current benefits, in full, starting in 2041. According to the Social Security Administration, at that time it is expected that only 78 percent of currently scheduled benefits will be payable. This will have a tremendous impact on millions of Generation X retirees and women retirees who fit this age demographic.

Another important issue for women is the personal savings rate of Americans. Up until the current economic crisis of 2009, Americans personal savings rates have been declining for years. In 2005 savings rates in this country dropped into negative territory. This means Americans were actually spending more money than they earned. This level of savings has not been seen since the Great Depression when the country was faced with thousands of business failures and job losses. Part of the reason for a smaller savings rate is that, in recent years, Americans have enjoyed a rise in the value of other investments such as stocks, bonds, and real estate. In addition, the availability of low interests, also discourage savings and encourage borrowing for big ticket items such as automobiles and personal real estate.

In deed, our economy now runs on consumption. Americans of every economic circumstance are encouraged by government and media to spend at record levels to continue fueling our economy. While increased spending rates are good for the US economy, for Americans planning for retirement this is risky behavior. “Americans seem to have the feeling that it is wimpish to save,” said David Wyss, chief economist at Standard & Poor’s in New York. “The idea is to put away money for old age and we are just not doing that.” At this time, there is no evidence that woman save at any better rates than do men in America.

Conclusion
Building a sound financial future has never been an easy task for the vast majority of working Americans. The task is now more difficult than ever with the current state of the American economy. The economic slowdown of 2008-09 only serves to exacerbate an already complex and formidable undertaking. The current economic recession has given us wide spread job losses, the meltdown of retirement accounts, rising inflation, budget deficits, and the potential for higher taxes. This has and will continue, for the foreseeable future, to have a devastating impact on millions of American families.

American women, seeking to generate retirement savings, would do well to be mindful of the particular circumstances that distinguish them from other Americans and make their journey to financial independence more problematic. Now more than ever, women in this country are enjoying greater career opportunities and advances in income equality with men. Despite these advances, women must also carry the additional burden of longer life spans, high divorce rates, and lower saving rates. This places even greater pressure on women, faced with building a retirement nest egg, to ensure that they will not outlive their savings and decreases the odds of achieving financial security.

The good news for many women is that there are many financial strategies available to help them address their unique challenges and put them in position to create and preserve their wealth. In addition, as women become better educated and financially savvy they are realizing that they do not have to go it alone. More women are seeking the advice of professional financial planners who can help them access their retirement goals, customize a financial plan that meets their individual needs and put them on the right track to financial security.

The Battle of Sex in the Modern World

The war between the sexes has become a stalemate. Men had been on the offensive by wielding most of the power in relationships for thousands of years, but women had been turning the tide back over the last forty. The result? Now, the two armies have stopped moving. They have completely separated from each other, sitting motionless while staring at each other across a no-man’s land of loneliness and broken hearts.

How do I know this? I read the headlines.

A majority of marriageable women are living without husbands. An increasing number of single women are purchasing homes by themselves. The total number of single Americans is also growing. More men say they never want to get married. In Britain, there are more single men than unattached women. Hundreds of websites offer advice for singles ranging from picking up a one-night stand to finding the love of one’s life.

More and more dating websites exist for those who are unable to find a partner. (In business parlance, the size of the market is increasing.) There are dozens of blogs on dating on just this one list. Teenagers, college students, and recent graduates are hooking-up rather than forming significant relationships. Men and women are marrying at increasingly older ages — now twenty-seven for men and twenty-five for women. “Starter marriages” are becoming more common.

Well, what’s going on?

First, we need to understand the basic mentalities of men and women in the context of evolutionary psychology. For tens of thousands of years, men were the providers of resources and protection while women took care of hearth and home. Nature programmed men to spread their seed as far as possible while women wanted men to stay and take care of their children. So, society founded the institution of marriage to get men to stay with the children. (I believe there are spiritual aspects to marriage as well, but its practicality cannot be overstated.)

These needs and desires were programmed into our societies — and our brains — over millennia. Men and women needed each other because each half of a couple provided things that the other could not. Women wanted men who would provide resources, and men wanted fertile women who would bear and raise their children. Women date up; men date beauty. Forty years of feminism cannot change these subconscious attitudes.

Over the last several decades, however, the roles have changed. Women have become independent, and men have become less necessary. (New York Times columnist Maureen Dowd even wrote a book with that as its title.) The end result — and the reason for the increasing prevalence of singleness — is simple. Men and women feel that they no longer need each other, and this attitude is separating men and women.

Feminism’s Unintended Consequences

What caused this? Feminism. More specifically, the unintended consequences of feminism. Feminism helped women to overcome their lowly, undeserved status as non-voting citizens whose only duties were to get married and have kids, but like every social movement, it has had effects that no one could have foreseen.

First, we must start with women. After all, women make the choices in the dating game: Women choose which suitors have a chance, but men hit on every single girl above a certain general threshold of attractiveness. When a man makes the “first move,” he is usually responding to a subconscious sign of interest that the woman has already sent. This is an important principle. Women make most of the choices in the dating scene because they must be picky: They only have one fertile egg per month, and they literally live with the consequences of sex. Now that women are becoming equal to — and even surpassing — men in school and in the workplace, they can take care of themselves. They do not need a provider.

However, this conflicts with the subconscious attitudes that women have. Girls are raised with tales of a perfect Prince Charming who will rescue them. They idolize their fathers (for better or worse, depending on what type of men they were). They are treated like princesses. Most importantly, they have the evolutionary impulse to date up. They want someone amazing. Women, indeed, want it all. (This attitude can lead to more regret later in life when they realize that no one can have it all.)

This desire, however, works against a woman’s interests. Women are progressing along a set path — high school, college, graduate school/career, marriage, and then family — and only worry about having fun while they are teenagers and twentysomethings. Marriage and family now seem to be burdens to delay as long as possible rather than wondrous joys. The irony of the situation is that women have the greatest chance of attracting a partner before the age of twenty-five, roughly when they are most attractive. Biology, after all, is working against them. There is nothing wrong with getting married in college or graduate school and waiting to have children, but this thought rarely crosses anyone’s mind.

Focusing on one’s career for a long time also poses another risk. The more successful a woman becomes, the smaller the pool of acceptable men becomes. In other words, successful, career-oriented women price themselves out of the market unless they date men who earn less money or have less education. Authors like Barbara Whitehead complain that there are no good men left, but the reality is simple: Men have not fallen; women have risen. It is hard to “date up,” for example, when one graduates from Harvard and works on Wall Street. Many successful women are unhappy because they feel that they must hide their success, or they subconsciously resent their husbands or boyfriends if they earn lower salaries. Feminism, in a nutshell, has made women pickier.

7 Mistakes of Men to Women

Finding a mate is one of the most fundamental aspects of life, but it is also a problem many people struggle with. Here are the ten biggest mistakes men make with women.

1. Pursuing women.

Most guys will try all kind of things to get women, such as subtly hanging around a cute girl, walking across the bar to talk to a hot girl, trying to be funny and interesting enough to keep a girl’s attention, trying to get a girl’s phone number, or simply wishing to be with the girl next to them.

The problem with all these approaches is that these men are pursuing women. Pursuing women mentally is as bad as pursuing them physically. No matter how you look at it, women are the ones who decide who they let inside. They look for a man who walks his own path in life, who is centered in his own reality, and who is not thrown off-balance around her. When you pursue a woman, you are being reactive to her and you are not being yourself, and that’s not attractive. Stop trying to get women, but let them join you in your life.

2. Putting women on a pedestal.

Most men will look at a hot girl and wish they would be worthy enough to be with such an incredible woman. If you say things like this, you are putting girls on a pedestal. When you do so, you are not being yourself, and that’s not attractive. Some guys will even say funny negative comments to bring women down to their level. That might compensate for putting women on a pedestal, but it doesn’t solve the problem itself. If you view her from a social perspective, there is no way you can compare to her looks and status unless you are a millionaire or a Hollywood star. However, all is not perfect underneath her skin, and she is too often hiding all kind of issues and insecurities behind her façade.

If you relate to her as a human being, you have your authenticity, ease for life, and carefree nature to offer. In fact, you can be at her level before you even say a word by not being thrown off at all by her presence. If you are feeling and behaving exactly the same as before, during, and after meeting her, you are relating to her on an equal level, and that’s very attractive. If you can do this, you will succeed: you will stand out, because it is hard for her to find a guy who is not being reactive to her.

3. Viewing women as sexual objects.

With all the sexy skin shown to us everywhere by the media, we have been conditioned like dogs to view women as nothing more than sex objects. Women have also been conditioned to adapt to that image. When a woman walks around showing off her physical assets and wearing a lot of makeup, she has succumbed to the media’s portrayal of women and also views herself as a sex object. When she thinks of herself that way, it’s hard for men not to view her that way too. Most men simply want to have their way with this type of girl and afterward won’t give her much of a second thought, much less want to see her again.

The problem is, all this leads to fantasizing about women sexually and therefore creates a bigger disconnect between men and women. All this is social conditioning: it is not natural and does not lead to sex. Viewing women as purely sexual objects gets in the way of connecting with women because you then have an agenda and an attachment to the outcome. You are then trying to get something from her, and that is not attractive to her. Sex is the by-product of connecting with women. You connect with women by shining with your authenticity, integrity, and carefree nature, and by creating a safe space where she is free to like you or not. Once you are really connected to a woman and it feels like the two of you are alone in the world, a sexual relationship will develop on its own, and you won’t have to force it.

4. Pushing interaction.

Most guys fail with women because they try too much to get them. Even trying a little bit is too much. It would be like saying your girlfriend is just a little bit pregnant. Either you are pursuing her, trying to get her and pushing the interaction, or you aren’t. When you push a conversation verbally or physically, women perceive the neediness behind it, and it repels them. When you are centered in your reality and you communicate with women without expectations or attachments, it leaves space for the connection to happen, and you don’t have to push anything. If you try it and it doesn’t work, it’s usually because you still have subconscious attachments to the outcome.

5. Using pick-up techniques.

To compensate for a lack of success, many men learn and use pick-up techniques. The biggest problem with these techniques is that they work once in a while, which makes men try even harder to get lucky again. Using tricks to work around your unattractiveness doesn’t really solve your unattractiveness. Even when you get lucky, it rarely leads to a real connection or lasting relationship because you show a façade that is not really yourself. It’s just a matter of time before she realizes who you really are and she decides whether or not she likes you. What really happens is that if you interact with a woman and you act naturally and as if you aren’t thrown off by her, then she will decide that she kind of likes you. If you play games, she will most likely see through it and will take one of the following actions: reject you, play games too and make you jump through hoops, or, rarely, decide she still likes you and go along. If you can differentiate what helps you from what hinders your success, you can keep your confidence and openness and let go of everything that comes from a state of mind of scarcity, such as pick-up techniques. Even if you get lucky once in a while with these techniques, it is way too much work, and you can’t spend your whole life pursuing things.

6. Valuing outward appearances and independent women.

Many men consider women with perfect skin and toned, voluptuous bodies to be the best women to pursue for a sexual relationship because that’s what we see all the time in magazines. Many men also consider independent career women to be the best-suited mates for long-term relationships. If that’s the case for you, it makes you live with the fantasy of sex instead of really experimenting with it. Women have also been conditioned to adapt to those images by the media. That screws everything up, causing all sorts of problems ranging from breast cancer to a divorce rate in excess of fifty percent to the presence of more singles than ever in history. The truth is, women who focus too much on their perfect appearance do it to compensate for a lack of self-esteem, and they are disconnected from their authenticity and spontaneity. For that reason, it is hard to feel an emotional connection with them, and sex with them is usually average and mechanical. After engaging in intimate relations with these women, men usually dump them the next day, which lowers their self-esteem even more. As for independent career women, their sexuality is locked down because they are too logical and masculine. Relationships with them are often a power struggle and too often end up in divorce. For physical intimacy to be satisfying and for relationships to be healthy, you need polarity: a very feminine and confident woman who helps you develop as a man. You want authenticity, integrity, carefree nature, lightness, and spontaneity in a woman to feel one with her. Just shifting your focus of what you value makes a big difference in what you attract into your life: fantasy or reality.

7. Trying to be someone else.

When you view a man who is very successful with women, you may be tempted to imitate him to achieve his success. However, he is not successful because of what he’s doing but because of who he is and the way he lives his life. You and he have different strengths, weaknesses, and life paths, so your styles will be different. You can’t try to be yourself and try to be someone else at the same time. When you are acting like someone else, you repress a part of yourself and something feels wrong. You don’t want to be your weak self who fails either. There is a powerful and successful self deep inside you, but it is hidden behind fears, excuses, and social conditioning. That’s the self you want to get in touch with. Charisma with women is not a skill to learn; rather, it’s a natural ability you can uncover by unlearning what hides it.

The right of american women

This article will discuss women’s rights in America, the ways in which discrimination against women has changed over time, and how women’s rights have expanded in ways never conceivably possible in the past. What this article will evaluate is whether or not the rights granted to women are enforced or if women are still not treated completely equal. It is the purpose of this evaluation to present the way in which these laws against discrimination have been enforced and implemented.

There are two aspects in which one can evaluate this. One such way is through the popular wheel meaning the constitutional amendments that provided these rights, what circumstances lead to these rights and why they were implemented when they were, and the second is judicial power and how it played a major role in the future of women’s rights especially through privacy and abortion laws. This topic serves particular importance when looking at contemporary society and the function of women. Although it is true that women do have much more political power than ever before, and more positions in the job market, there are many hardships and struggles that women must overcome in reaching such positions, struggles that do not stand in the way of most men in America. Therefore, the main purpose of this evaluation is to deem women’s rights as it serves in American society today, efficient enough to realistically create a justifiably equal playing field for both men and women in terms of schooling, career, politics and so forth.

First, I will discuss the element of the popular wheel and its contribution to the existence of women’s rights. The concept of women’s suffrage was nothing out of the ordinary and in fact had been brewing in the minds and writings of women for decades particularly rooted in the 1700’s. One major issue was voting rights, which had begun being openly advocated by women beginning in the 1820’s. The first time a woman could vote freely was in 1756 when a colonial forerunner, Lydia Chapin Taft was granted the right by the town of Uxbridge, Massachusetts colony. After this voting rights were achieved in sparsely populated territories of Wyoming in 1869 and for a short period in Utah in 1870.

Although small progress was made, the timeline is slow. It was not until 1920, with the ratification of the Nineteenth Amendment to the United States of America Constitution, that women gained the right to vote. This victory only came after decades of demonstration and objection and was an extensive and complicated struggle. Between 1878 when the amendment was first presented to Congress and 1920 when it was first ratified, supporting groups of voting rights for women worked tirelessly in order to achieve their goal. One particularly influential group called the Silent Sentinels, protested in front of the White House for 18 months which in turn begun to raise vast awareness of the issue’s importance and a year later the President Woodrow Wilson announced his support for the amendment.

Of course, in order to strengthen the position and constitutionality of the Nineteenth Amendment the Supreme Court and its power must step in and reinforce it which it did by its decision in Leser v. Garnett in 1922. The Supreme Court granted certiorari to decide “Whether the Nineteenth Amendment has become part of the federal Constitution”. The Plaintiffs argued that it was unconstitutional based on three claims; first they stated that the power to amend the American Constitution did not cover this amendment due to its nature, second there were a number of states which ratified the amendment had Constitutions which restricted women from voting, declaring that therefore the Court was unable to ratify in a different way, and lastly they claimed that the ratifications of Tennessee and West Virginia were void since they were accepted without following the regulations of legislative procedure in place in those states.

In opposition to those claims, a unanimous decision addressed each argument. In response to the first position the court compared the Nineteenth Amendment to that of the Fifteenth, first demonstrating a distinction to discrimination rights of African-Americans to discrimination rights of women. In accordance to this they stated that since there was such similarity between the two and the Fifteenth had been accepted for more than fifty years, it would be unjust to declare the new amendment invalid.

Second, the court responded by stating that when state legislatures ratified the amendment they exercised power that was only within a federal capacity which the Constitution recognizes and deems a power which “transcends any limitations sought to be imposed by the people of a state.” In terms and Tennessee and West Virginia, the court stated that the additional ratifications were unsound because they had already been turned down in other states who attempted similar alterations. This decision, along with its extensive justifications behind its verdict, confirmed the constitutionality of the Nineteenth Amendment and it was then clear that it would be enforced. The Nineteenth Amendment became the basis of many disputes among those who held on to beliefs against women’s rights and those who sought out to confirm more rights. This ongoing struggle closely resembled that of the African-American group and their battle with discrimination in the United States of America.

The judicial power and its ability to set new precedents and influence many laws had much impact on the issue of women’s rights and suffrage. Two very central topics are of focus for this particular essay; the constitutional right to privacy, and abortion rights. Griswold v, Connecticut (1965) was the landmark case which protected a right to privacy. This was the first time such a right was protected in such a way and it made the right Constitutional, changing the very meaning of privacy to many people. In this particular case privacy was in regard to a woman’s right to use contraceptives.

In Connecticut there was a law that prohibited this which by a vote of 7-2 the Supreme Court invalidated the law on the basis that it infringed upon “the right to marital privacy.” Griswold was the Executive Director of the Planned Parenthood League of Connecticut. She, as well as the Medical Director for the League, C. Lee Buxton, would give married couples any information they requested considering birth control and the way it was used and obtained. A law which prohibited the use of any drug for use for the purpose of preventing conception was passed in 1879, however almost never enforced. Buxton and Griswold were arrested, tried in court, found guilty, and fined. Griswold appealed to the United States Supreme Court on the grounds that it violated the Fourteenth Amendment.