Skate-Wear Central

Overalls Mens

Should Financial Advice Be Different For Men And Women ?

Offering financial advice for women can oftentimes be a tricky subject. After all, we’re taught to treat men and women as equals in all things related to business: education, employment, and advancement. In most cases, that’s easy enough to do; we’ve long since passed the threshold where men and women are viewed as being capable of less as or more than one another.

However, when it comes to financial advice, there are differences between the sexes that must be taken into account. It has nothing to do with intellect or financial ability. In fact, it’s all about lifestyle differences, and the fact that women continually outlive their male counterparts.

Men and Women: Different Lifestyles, Different Incomes

Although more and more women are entering job fields and making salaries that are comparable to men, the truth is that women consistently earn less than men. The reasons for this are varied: glass ceiling issues, a later start in their careers, a greater emphasis on family before work. Right or wrong, the statistics are there to prove it. Women make less than men.

Statistically, women are more likely to leave their jobs to take care of small children, to care for aging parents, and even to follow spouses who might be transferred or seeking work in another city. This translates to a reduced capacity to contribute to a 401(k) or other retirement plan. Women are often looking at 10 or 20 years of earning time (as opposed to 30 or 40 for men), and failing to rollover existing retirement plans during transition periods can result in a reduced retirement fund overall.

Men and Women: Living Harder, Living Longer

The sad truth is that divorce and death also impact the financial situations of today’s women. During a divorce, most of the settlement has to do with maintaining a lifestyle or taking care of children – rarely is there a clause for continued contribution to a shared retirement fund. This means that many women find themselves without any real retirement plan following a divorce, and they may not even have the stability of a savings account anymore. Add to that moving costs, possibly changing careers, and emotional stress, and the result is that the finances – both short-term and long-term ones – suffer.

Of course, women are more likely to live longer than men, too (90 percent of women outlive their husbands). As these women age, costs for healthcare increase rather substantially, and without any other reduction in lifestyle. This can translate into tens of thousands of dollars every year that she needs to remain comfortable long after her spouse and the ability to earn any money is long gone.

Women and Money: The Good News

Fortunately, women do have an advantage over men when it comes to finances: as a general rule, they’re better at moderate, low-risk investing. Women tend to invest after more careful consideration and with more hands-on control than men, which gives them an advantage when it comes to long-term investments like those for retirement.

Although there are certainly exceptions to every financial story, the truth is that women have to be proactive in their financial future than they may have at first believed. It doesn’t matter if you’re a young, single professional or a retired grandmother of 27 – the time to act and start financial planning for women is right now.

About the Author

Questions? Email me at wew@thewandwgroup.com and visit our website at
http://www.thewandwgroup.com
New Money Talk is a weekly article focusing on retirement, personal finance, and estate planning.
Comments and questions are welcome, but because of the volume of email, personal responses are not always possible.

2010 INBA Brisbane Titles Mens Overalls.mpg

Mens Rainbow Sandals East Cape $37.95 The non-slip insole and neoprene lined strap make this the perfect Rainbow sandal for those times you plan on getting wet. SIZING NOTE: The Mens East Cape Rainbow Sandals are available in whole sizes only. If you normally wear a half size, it is recommended that you go to the next size up in these sandals. Mens Rainbow Sandals run true to size, however, they have a wider footbed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.

Mens Reef Smoothy $25.95 Show off your smooth moves in the Smoothy Mens Reef Sandal. These comfy sandals are built to go with you everywhere with a comfortable woven strap and extra thick Smoothy footbed.See why so many buy these Smoothy Reef Sandals and never go back to their old flip flops again.

Mens Rainbow Sandals University of Florida Eastcape Sandals $41.95 Show off your Gator pride from head to toe in the Mens University of Florida Eastcape Sandals by Rainbow

Mens Sanuk Shore Leave Sidewalk Surfers $89.95 Look good while youre taking a leave from the shore and are surfing the sidewalk in your Sanuks Mens Shore leave Sidewalk Surfers

Mens Rainbow Sandals Limited Classic Sandals $27.95 When what you want is classic Rainbow comfort and durability, you’ve got to go with the Classic Rainbow Sandals. With great arch support and the Rainbow Lifetime Guarantee, these are the only sandals you’ll need for years to come. SIZING NOTE: Mens Rainbow Sandals run true to size, however, they have a wider footbed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.

Mens Rainbow Sandals Single Layer University of Florida Sandals $51.95 Show off your Gator pride with these Mens Premier Single Layer University of Florida Sandals by Rainbow.

Mens Rainbow Sandals Double Layer Arched Classic Sandals $30.5 When what you want is the famous Rainbow comfort and durability, you have to go with the Classic Rainbow Sandals. With great double arch support and the Rainbow Lifetime Guarantee, these are the only sandals you will need for years to come. SIZING NOTE: Mens Rainbow Sandals run true to size, however, they have a wider foot bed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.

Mens Rainbow Sandals Single Layer Arched Classic Sandals $27.95 When what you want is classic Rainbow comfort and durability, you have got to go with the Classic Rainbow Sandals. With great arch support and the Rainbow Lifetime Guarantee, these are the only sandals you’ll need for years to come. SIZING NOTE: Mens Rainbow Sandals run true to size, however, they have a wider footbed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.

Mens Rainbow Sandals Single Layer White Outsole Classics $29 When what you want is classic Rainbow comfort and durability, you’ve got to go with the Classic Rainbow Sandals. With great arch support and the Rainbow Lifetime Guarantee, these are the only sandals you’ll need for years to come. SIZING NOTE: Mens Rainbow Sandals run true to size, however, they have a wider footbed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.

Mens Rainbow Sandals Hemp Double Stack $39.95 Every beachgoer has seen broken, discarded sandals littering the sand. Over 35 years ago, the President and Founder of Rainbow Sandals, Jay R. Longley Jr., had this same experience and came up with a simple idea: to create comfortable sandals that would withstand the test of time and not end up a piece of litter. After a lot of research and testing, the Rainbow Sandals that so many people know and love today were developed. Hand made and held together with strong glue, Rainbow Sandals will stay in one piece and will keep your feet comfortable with sponge rubber that molds to your individual foot shape. Rainbow Sandals keep the beaches clean and our feet comfortable, and they have grown to become a world-known brand that provides us with a variety of sandal choices, as well as shoes and boots. With an unbeatable Rainbow Guarantee, your Rainbow Sandals and Footwear will carry your feet for miles. SIZING NOTE: Mens Rainbow Sandals run true to size, however, they have a wider footbed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.

Mens Rainbow Sandals Hemp Single Layer $37.95 Every beachgoer has seen broken, discarded sandals littering the sand. Over 35 years ago, the President and Founder of Rainbow Sandals, Jay R. Longley Jr., had this same experience and came up with a simple idea: to create comfortable sandals that would withstand the test of time and not end up a piece of litter. After a lot of research and testing, the Rainbow Sandals that so many people know and love today were developed. Hand made and held together with strong glue, Rainbow Sandals will stay in one piece and will keep your feet comfortable with sponge rubber that molds to your individual foot shape. Rainbow Sandals keep the beaches clean and our feet comfortable, and they have grown to become a world-known brand that provides us with a variety of sandal choices, as well as shoes and boots. With an unbeatable Rainbow Guarantee, your Rainbow Sandals and Footwear will carry your feet for miles. SIZING NOTE: Mens Rainbow Sandals run true to size, however, they have a wider footbed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.

Mens Rainbow Sandals UNC Eastcape Sandals $41.95 GO TAR HEELS! These Rainbow sandals are sure to make Rameses jealous! The non-slip insole and neoprene lined strap make this sandal great for everyday use and perfect for those times you plan on getting wet. SIZING NOTE: The Mens East Cape Rainbow Sandals are available in whole sizes only. If you normally wear a half size, it is recommended that you go to the next size up in these sandals.

Mens Rainbow Sandals Texas A&M Eastcape Sandals $41.95 GO AGGIES! Be a true 12th man with these Rainbow sandals! The non-slip insole and neoprene lined strap make this sandal great for everyday use and perfect for those times you plan on getting wet. SIZING NOTE: The Mens East Cape Rainbow Sandals are available in whole sizes only. If you normally wear a half size, it is recommended that you go to the next size up in these sandals.

Mens Rainbow Sandals USC Eastcape Sandals $41.95 GO TROJANS! Fight On for ol’USC in these Rainbow sandals! The non-slip insole and neoprene lined strap make this sandal great for everyday use and perfect for those times you plan on getting wet. SIZING NOTE: The Mens East Cape Rainbow Sandals are available in whole sizes only. If you normally wear a half size, it is recommended that you go to the next size up in these sandals.

Mens Rainbow Sandals Premier Leather Double Stack $52.95 Every beachgoer has seen broken, discarded sandals littering the sand. Over 35 years ago, the President and Founder of Rainbow Sandals, Jay R. Longley Jr., had this same experience and came up with a simple idea: to create comfortable sandals that would withstand the test of time and not end up a piece of litter. After a lot of research and testing, the Rainbow Sandals that so many people know and love today were developed. Hand made and held together with strong glue, Rainbow Sandals will stay in one piece and will keep your feet comfortable with sponge rubber that molds to your individual foot shape. Rainbow Sandals keep the beaches clean and our feet comfortable, and they have grown to become a world-known brand that provides us with a variety of sandal choices, as well as shoes and boots. With an unbeatable Rainbow Guarantee, your Rainbow Sandals and Footwear will carry your feet for miles. SIZING NOTE: Mens Rainbow Sandals run true to size, however, they have a wider footbed than the womens Rainbow Sandals. Many women with a wider foot order the mens sandals if the womens sizes are too narrow. See Rainbow Sizing Chart to compare mens and womens sizing.  NOTE:  PLEASE DO NOT USE PETROLEUM OR OIL BASED CONDITIONER, CLEANER, SEALER OR ANY OTHER TYPE OF CHEMICAL ON THE LEATHER SURFACE OF RAINBOW SANDALS. DOING SO WILL CAUSE UN-REPAIRABLE DELAMINATING AND SUCH DAMAGE IS NOT COVERED UNDER THE RAINBOW GUARANTEE

Mens Hurley Fairway Polo $35 Dress up your surf style with the Fairway Polo from Hurley.

Mens VANS Party Wheels $22 Wear your celebration with the VANs Party Wheels shirt

Mens Keen Newport Sandals $94.95 The Keen Newport Sandals are the ultimate trail sandal built specifically for the outdoors.

Mens Oakley Inmate Sunglasses $169.95 We don’t mind being repeat offenders when it comes to thrashing the world’s idea of performance, and we’re not above taking a two-fisted approach when we see what passes for style. Take a look at INMATE sunglasses and you’ll see why it busts out of the shackles that keep ordinary shades restrained, sedate and spineless. Assertive style with a honed edge, it’s a look that refuses to be caged or even take orders, for that matter.

Mens Billabong Contrast Tank $22 Contrast Tank by Billabong is simple but the coolest tank you could pick!