Posts Tagged ‘women’

No woman would ever deny care to children, family members or parents. That is because most of us are natural born caregivers. But who cares for us when we are older and need care?


We grow up and have children. Depending on the timing of the blessed event, we have either completed our education and are working in a reasonably well paid job or we had children prior to completing education and beginning a career. Strike one.


From the day we are born we are taught that women grow up, marry and have children. We are brainwashed into believing that this is what is expected of us and this is what will naturally occur. What no one tells us is that by having children and taking ourselves out of the workforce, we willingly give up years of earning, years of contributing to social security and years of contributing to our own retirement and our own independence.


Where are the men all of these years? They are working to protect their own years of earning, contributing to social security and building up a retirement nest egg to take care of them when they retire. No one is thinking of women during this time and of the compensation they are due for making this sacrifice that will affect them when they are older. Society does not address these issues. If they did there would be many less children born today.


So after the children are born, many women re-enter the workforce. Strike two. We fail to realize how difficult it is to regain the same position, income level or status we left. In many cases our skills and education are outdated and the positions we qualify for pay less. In some cases we must return to school to educate ourselves further. Who pays for this?


Additionally, if we have relied on a husband to provide for us during child raising years, and our focus was on children instead of the relationship with our husband, we may be on our way to divorce. Strike three.Now we not only have to support ourselves, we have to support our children, to provide housing, education etc. and our children grow up in a disadvantaged situation.


Life becomes more difficult and more complicated and many women struggle to just get by. This leaves no time for retirement planning, savings and all of the other things men take for granted because they have few, if any, responsibilities. How many women willingly give possession of their children to their husbands during divorce? Not many. How much time do most divorced men spend with their children? Not much. Life becomes a daily uphill battle for women.


Most women at retirement age are at financial risk of not being able to take care of themselves. When you walk into any nursing home in America today, who do you see? You see women. Women live longer than men, earn less and have less income to carry them through retirement years.


If you are a woman, single, married, divorced, widowed, with children or without children you must wake up to the realization that regardless of your current situation you must prepare to take care of yourself financially, mentally and physically. Become more selfish, give up less. Start now. Contact industry professionals who can support you in your desire to become independent. Obtain more education, do more research. Don’t be left behind.

Pamela D.Wilson, specializes in long term care planning and education for older adults. Contact her at The Care Navigator or visit ” target=”_blank”>www.thecarenavigatorblog.com”> The Care Navigator Blog for free information

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Between the economy, our family and personal lives, our jobs ? finding peace in a stressful world is difficult for all of us. But I think it?s especially difficult for women because of their gender, their poverty and there ethnicity. Women face many problems and struggle to fulfill their many responsibilities

Most of us have been raised to be caregivers and nurturers. In some respects, that is a wonderful part of who we are. But if we tend to carry those traits to the extreme, if we tend to forget our own needs or don?t take time for ourselves, then we can burn out. In the long run, we?re not helping anyone.

Although I am single with no children, I had to learn the hard way to undo many patterns from childhood. As the oldest of nine, it was always my job to take care of others and so it was often difficult to put ?me? first. Eventually I learned that caring for myself was the most important, loving act I could do for myself and those close to me.

Stress will always be part of life. For me, it?s constant writing deadlines and other personal responsibilities. And at times, I?m sinking in the quicksand of stress before I know it. That?s when I have to remind myself, first, to be gentle with myself. Adding a layer of judgment to already-existing stress just doesn?t work! Then I do something for ?me.? I take a walk. I listen to music. I call a good friend. Once my batteries are recharged, I can better deal with what?s in front of me.

So, I?d be interested in hearing more about your care giving responsibilities or other daily stressors. Do you find that we as women are more prone to putting our needs last? Do we, as women, try to do it all? And what things are you doing to find peace in today?s stressful world?

For more information about ?Soroptimist? the Best for Women Organization please visit us at www.soroptimist.org

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Tips For Women Lending Money To Family Or Friends For Investments

Having raised three sons I can remember the words loud and clear, a, can I borrow a dollar? As they grew so did the amount. Never once in thirty-seven years did I plan on seeing any of that money I loaned to them again.


They are grown men now and wear the white cowboy hats of the family. If anyone of them requested funds there would be no questions asked because they have proven over and over their integrity, honesty and loyalty to us. And all three make quite a handsome income compared to their dear old parents.


Lending money is inherently an emotional situation for all parties involved and usually more so for the female member. It is a common practice for a female to be the caregiver and to please loved ones and friends.


There are other family members that wear the black cowboy hats and have caused much friction, disappointment and family rifts that have spread deep roots within the relations.


Holidays, graduations, births, baptisms and all other family gatherings can become strained.


A temporary crisis isnt always so temporary and can quickly become an uncomfortable situation if the lender has to ask for the money to be repaid. It’s the same rule as gambling: Don’t loan what you can’t afford to lose. If you don’t have cash lying around, a loan might not be feasible.


Everyone wants to be a good friend, but no one enjoys feeling like someone is taking advantage of their generosity. It is better not to lend and have a friend, than to lend and lose both. Therefore, as a couple we have set up rules for conducting successful financial transactions with friends and family. Perhaps they will help you also.


Tips To Consider Before Lending Money


If you are lending money to someone close to you and if you’re financially able, consider making it a gift rather than a loan. This way it will not be a burden upon your mind nor your heart. (If it is repaid fine, however, certain people in your life are special enough for this deed without them even knowing.)


To make collecting a debt easier and more comfortable for all use a service called PayPal. This makes it possible to send and receive payments online. With PayPal, you can send email reminders to the borrower. The lender can then get the money back instantly via email.


Never co-sign a loan or credit card application for someone else without clear, WRITTEN parameters and possible assets involved. And always maintain a business-like environment.


Don’t lend beyond your means. Only lend money that you do not need back immediately so as not to ruin your credit or your relationship with the borrower. And always have the agreement in writing.


These are the only four items that we could agree upon. Perhaps there are many more or far less for your family or situation. If we are approached for funds and feel uncomfortable with the person or we cannot accommodate within our plan, we decline and all associated go on with their lives.

Court provides information about student loan consolidation and helps people refine their strategic internet marketing.

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How to Retain Women in your Organization, and Support Their Success

What group makes up half of our population, yet only 15.6% of corporate officers in Fortune 500 companies? What group holds half of all management and professional positions in the United States, but less than 3% of the CEO positions in the Fortune 500? Women!

Moreover, studies have shown that companies with the highest representation of women (top 10%) on their top management teams had better financial performance than did the group with the lowest women’s representation. Women purchase 83% of all products and services in the United States, so it makes sense that your employees reflect your customer base. In order to be successful, companies need to recognize what they are doing with respect to women, where they’re succeeding and where they need to improve.

What you can do. You can play a significant role in conveying the importance of the topic, assess what is being done well at your organization and what needs to be improved, and work toward implementing the necessary changes.

In my work helping women succeed in business, I’ve found that two kinds of barriers exist: one is external, male dominated organizations with a subconscious bias against women; the other is internal, how women themselves operate in the corporate world. Much of this is based on gender socialization in the United States. Obviously, there are exceptions to all of these situations. But there has been significant research done, and I’ve witnessed plenty of it in my fifteen-plus years in corporate America. Corporations need to pay attention to the barriers to minimize them, thereby maximizing their success, and women need to be aware of how they position themselves.

Bringing up gender biases in the workforce is a touchy subject. Some perceive it’s casting women as the victim. However, if we don’t admit it can exist, it can’t be addressed. In her book Necessary Dreams, Anne Fels cites a significant amount of research that shows women continue to receive less recognition for their accomplishments than men. This starts at pre-school and happens with both male and female evaluators. For example, in one study, two groups of people were asked to evaluate particular items, such as articles, paintings, and resumes. The names attached to the items were either clearly male or female, but reversed for the two groups. So, what one group believed was created by a man, the other believed was created by a woman. Regardless of the items, when they were credited to a man, they were rated higher than when credited to a woman. This discrepancy was consistent across male and female evaluators. What you can do. Create objective standards for success at your organization. Make success transparent, including performance measurements and competencies. When standards are objective, women succeed.

Another result of male-dominated organizations is that many are structured on the idea that the employee (a man) had someone at home (a wife) taking care of the children and house. This is rarely the case anymore. The fact that women still bear a disproportionate burden of childcare, house care and eldercare results in an additional stress on them in the workplace, and often results in what has been termed “opting out”. See “Off-Ramps and On-Ramps” by Sylvia Ann Hewlett and Carolyn Buck Luce in the Harvard Business Review (March 2005). It offers a comprehensive overview of that phenomenon and what companies can do to reverse the brain drain of women leaving corporate America, and help women when they are ready to reenter it.

What you can do. Support flexible workplaces, put informal structures in place to stay in contact with strong people who have left your company, and make sure someone contacts them on a regular basis.

Talking about internal barriers that women create for themselves can bring up a different kind of resistance, as people perceive it as “blaming the victim.” Instead this approach empowers women to take control of their destinies by finding techniques that increase their success.

Finding a voice in corporate America is still a big issue for women. The range of issues includes not feeling comfortable speaking in public (especially when being the only woman in a group) to feeling very comfortable to speaking in public, but not having your ideas taken seriously because you are a woman. In a recent Catalyst report about women on Board of Directors, a woman director confirmed that “they’re predisposed against hearing you because you’ve got on a skirt.”

In a recent focus groups of professional corporate women, one woman stated it well when she said “If I’m 99% sure, I’ll talk like I’m 95% sure, as opposed to men who talk like they are 150% sure even when they are not. We need more confidence in our communication.”

There are ways of communicating that decrease the speaker’s credibility, which I call “power sappers.” They are more common in women and include the following:

Kerrie Halmi of Halmi Performance Consulting specializes in increasing women

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Summary of “women as Caregivers” Article

The international women’s organization, Soroptimist, recently included an article on their “Best for Women” newsletter titled “Finding Peace in a Stressful Life:

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