Divorce Advice For Women

You're probably thinking about divorce or maybe your divorce has already started and you need some advice. Divorce is a stressful and emotional experience and for many, it can become a nightmare. Are you discovering that your divorce is not turning out as planned? Is your husband bad mouthing you to your lawyer and everyone you know? Does your husband want more child custody just so he doesn't have to pay more child support? Does he believe you do not deserve the house, the cars, the dogs, or retirement fund? Divorces can get nasty. They start off well, you're both in agreement, but then the lawyers start putting ideas in your head about property and custody. 

Getting Started With The Basics 

First thing first when it comes to divorce is money. I know it's sad but true. Why make it about money when it should be about getting out of a loveless, manipulative and controlling relationship. It should be about protecting the children and the welfare of everyone involved. However, lawyers, court fees, mediation, evaluations and expert witnesses are going to cost money to help you plead your case. Step one is to prepare financially. If you don't have any money for a lawyer, then you should start cutting expenses and putting money aside until you can afford one. Make room on credit cards and ask friends and family to borrow as much as they can give you help you out. I know, you shouldn't burden others with your financial situation, but it's better to owe your friends and family money for the next few years than it is to endure another day in a bad marriage. 

Daily Diary 

Keep a journal of every fight and argument you have with your husband so you can recall dates and information really easy. The worst thing you can do is say something negative about your husband without anything to back it up. Write down how it started, what was said and how it ended. Do not leave out details and make sure to record the date and time the conversion started. Also note down anything your husband says he is going to fight for and keep good notes on anything he says he is willing to give you without a fight. Sometimes husbands change their minds about what they want to fight for once they get a lawyer. Keep notes on everything 

Property Records and Finances 

Make sure your name is on everything you want to fight for, including houses, cars, bank accounts with money and retirement funds. If your name is not on any of these pieces of property, you could end up not getting your fair share of them. Start investigating your husband's income, bank statements, receipts and anything else you can discover he has of value. Remember anything he has purchased while married, even if your name is not on it, you could be entitled to. Start saving money in a separate bank account or in cash. Most of all make sure you have enough to hire a lawyer as soon as you're ready to file divorce or as soon as he hires his own lawyer. You want to be the first to act in a divorce. 

Lawyers, Divorce Guides, Divorce Coaches and Child Custody 

Remember, unless you both agree to divorce and who gets what property, that divorce is a battle and you must be prepared legally and mentally. Hire a good lawyer that will fight for you and one that is affordable for you. Do not price shop a lawyer, because you get what you pay for. Interview your lawyers to find a good match. Once you have found a lawyer get yourself some good books and guides on divorce. These guides will give you inside strategies your lawyers are not willing to dish out unless you have lots of money to fight with. If you can afford it, find a divorce coach to tell you what to do each step of your divorce processes. Last but absolutely not least, get your hands a hold of some guides on how to win child custody. Lawyers do not give out much advice on how to win custody, but they will surely spend the money putting up the fight. Educate yourself on what matters when it comes to child custody and evaluations. 

Be prepared financially, legally and educationally. Take charge of the divorce process and always stay on offense. The first one to act will get the upper hand. Do not wait for him to get a lawyer first. 

First thing first is to get a free consultation with an attorney familiar with divorce and child custody in your jurisdiction. 

Get a free no cost obligation of your legal rights to divorce and custody. The free consultation will let you know yours and his legal rights to divorce and child custody. They will also let you know how to protect yourself and how much its going to cost. Just remember the first one to act will get the upper hand. Do not wait for him to get a lawyer first. 

Child custody is a completely separate issue and battle from divorce and usually 90% of the expenses and heart ache. Use these strategies to get the upper hand from day one. 

Do not wait until things start to go wrong to get this information that you should be doing even before you start the divorce process.

I wish you all the best of luck!

Article Source: https://EzineArticles.com/expert/Janice_D._Rubin/430883 

Kids, Parents & Money

Members of what is being called the "sandwich generation" are coping with balancing their own needs with the needs and expectations of family. These individuals are often "sandwiched" between the needs of their parents, who may require assistance with daily living tasks or medical care, and the needs of their children, who may require financial or emotional support. 

Within the next decade, the population over age 65 will continue to grow. Increasing life expectancies also means that more people are likely to have chronic health problems and family involvement in their care. 

This sandwich situation calls for open inter-family conversations to help ensure that money is managed thoughtfully and effectively, as well as cooperatively. It also means staying aware of your own financial plan when it comes to the increasing costs of medical care for your parents and education for your children.

Generous Boomers - Severely impacts our Retirement

Exactly how to teach children about money is a dilemma for many parents.  In fact, some baby boomers are concerned about how the support they give their grown children may impact their own golden years. Although they have these concerns, boomers think helping their adult children is slowing down their retirement savings.  One reason boomers don't see the impact on their retirement savings may be that they are tapping into "day-to-day" spending money and not dipping into retirement accounts to fund their children's needs. But, could some of that money be used to save toward retirement savings?

 

Lets Talk Money

Discussing finances can be complicated. Each generation thinks about money and the need to talk about it with other family members in ways that have been shaped by their upbringing and societal norms. An 86-year-old, for example, probably has a much different view of debt than do their children or their grandchildren. He may question why his 28-year-old grandson uses a credit card to buy new clothes even if he's already deeply in debt. Although talking about money may be a sensitive subject, good things happen when families discuss money. It's important to approach the conversation in an open, non-judgmental way. While finances are a taboo subject for many reasons, "harmony can be realised through understanding and communication," In some cases, families may find it helpful to include a neutral third party, to act as a facilitator.

 

Key points about families and finances:

1. Members of the sandwich generation cope with balancing their own needs with the needs of their parents and children.
2. Generosity to family is only natural but you need to plan for it.
3. Have conversations about money with family, because open dialogue about money benefits everyone
4. It may be helpful to include a neutral third party to act as a facilitator

 

Take Sarah, for example, a 46-year-old divorcee who supports her two adult sons. Sarah's financial advisor told her, "Let's deal with this now, or you're going to be making some really tough choices in five or 10 years," 

"You need to tell your children you can't be their sole source of financial support." The best way to avoid these complicated situations is to do what may seem uncomfortable: Talk honestly about money. No matter how you do it, what really matters is that you start the conversation and keep it going. "The money thing, from my perspective, is as much, if not more, about communication as it is about the money itself," 

Boomerang Children

While many people in this age group 18-30 may still be in school and have not yet moved out, others have returned home believing they can't afford to live independently because of high housing costs, credit card debts and student loans.

Tips to help you transition your adult child into financial independence:

1. Have an agreement that spells out the living arrangements and household responsibilities.
2. Be clear about what financial responsibilities children will have when they move back home (e.g., paying rent or a portion of utility expenses).
3. Require that children make specific progress toward paying down debt and adding to their savings.
4. Agree on a plan for the future.

Making a Better Sandwich

Femvestorsglobal can help you determine what financial needs you will have based on your own goals and unique family situation. For instance, you could consider an education fund, or purchasing long-term care insurance for your parents. You may also need to think about other health-care expenses and estate-planning issues with your parents. We help guide you and your family through these issues and decisions while helping you keep your own retirement planning on the right track.

Find Your Passion and Start Living It!

Retirement can be an exciting time in your life, but it can also be daunting. You may feel like you've lost your sense of purpose or structure now that you're no longer working. The transition from a full-time career to retirement can be challenging, but it doesn't have to be. If you're about to retire or have recently retired, there's a book you need to read called "So What Do We Do Now?: The Babyboomers Guide to Enjoying Retirement" by Eva Bennett.

Bennett draws on her own experiences of adapting to her husband's retirement, which involved moving to a seaside town. She ranks the impact of this life-changing experience right up there with childbirth. While we had the benefit of antenatal classes and new mothers' groups, there's very little available for impending retirees or the newly retired.

Retirement isn't always what people expect. Recent retirees said they were happier when they were working because they felt they had a purpose and structure to their days. Retirement doesn't mean retiring from life. There's an increasing trend for people not to retire outright, but to start working less. Research has shown that retirees who cease to contribute and to be productive and active, die earlier than those who continue to engage fully in society.

According to Bennett, the beginning stages of retirement are like a honeymoon period. You don't have to get up to go to work, you can play golf or go fishing whenever you like, and don't have to work to deadlines. But the euphoria and the novelty soon wear off. After all, there are only so many lattes you can drink and only so many times you can go fishing. Then what? Life can get boring. We need to re-evaluate who we are and what we want out of life because our former identity is no longer relevant.

There are three stages to the transition from old to new:

1. Endings (where we let go of the past),
2. The Neutral Zone (where we review the past and reflect on what we want to do now) 
3. New Beginnings (where we decide what we need to change or do differently)

As you create the new you, it's important to keep all aspects of your life in balance, including your finances, home life, health, relationships, leisure time, and your purpose in life.

One of the secrets of a healthy, active, and happy life is to feel young psychologically. It's never too late to find your passion and start living it. The so-called Third Age is the time to give back to the community and share your knowledge and wisdom. Being positive is an important part of enjoying your retirement and contributes to living longer. Some people enter retirement filled with negative thoughts and fears of ill health and lack of money. The key to happiness is to be happy with whatever you have.

In conclusion, retirement can be a challenging transition, but it's also an opportunity to create a new and fulfilling life. By reading "So What Do We Do Now?: The Babyboomers Guide to Enjoying Retirement" and following the three stages of the transition from old to new, you can find your purpose and balance in life. Remember to keep a positive mindset, stay active and engaged in society, and enjoy all that retirement has to offer.

The key is to find activities that align with your interests and passions, and to stay open to trying new things.

Household Spending Plans

Much of the time it is up to the woman of a household to take care of the spending plan (AKA Budget) and immediate finances. The task of determining the monthly cost allocation for activities as well as cooking, cleaning, and food shopping. In other instances a women with children has to take care of these duties while also working part of full time. 

For a household that is not financially planned, this situation can create chaos if not managed. When kids are involved in the mix, the need for a spending plan is much more greater as resources tend to become depleted quite easily. By setting easy and comfortable money targets for your family, which can save you both time and money. This will enable the family household to run easier and smoother, therefore planning ahead of time is essential. For example grocery shopping in bulk will not only save you time and money, but it will also save you in terms of preparation. You will be able to make meals in large batches, then freeze them for whenever you need a quick meal. This allows you a piece of mind that you can always have something ready for last minute occasions. 

Another large impact of a family's costs is the entertainment expense. When you have kids they have a need to be stimulated all the time. Instead of spending money on going to the movies, buying them unnecessary toys, and expensive fun parks, enroll them in sports teams or some type of lesson that they are interested in. Go to the library and borrow books on core life skills. Yes, this will cost some money but in the long run it is much less than the other types of entertainment. Your kids will learn a new skill that will enable them to keep preoccupied & content even they are not at their actual lesson or team practice. They will be able to practice on their own and get better at something not involving a video game or TV. 

Setting a spending plan for your family needs to be customised to the amount of money that is going in and out of your household every month. If you are trying to save up for something then something else must be given up. This really allows you to weigh what is important to you, short-term satisfaction or long-term goals. 

If we know some of these tips, this will set up a household to be the most efficient as possible. When a household is efficient, it opens up the much-needed time for family and friends to enjoy each other's company. Creating successful habits can allow your family to become closer knit because you will value the time you can spend with each other.

What can we learn from wealthy people?

The truth is, everyone craves to be wealthy. We secretly wish we could be like the wealthy. We look at them with a combination of admiration, envy and wonder. What exactly did they do to be so blessed? 

Yes, the super-wealthy rule the world. They live in the biggest mansions and own the choicest properties. They ride the most luxurious cars and marry the most beautiful women. When they speak, their words are carried by news media around the globe. 

The super-wealthy are abound in commerce, politics, entertainment, sports, IT, finance, oil and gas, to mention a few. In short, they abound in every sphere of human endeavour. 

The following names, not in any particular order, readily come to mind when we talk about the super-wealthy: Bernard Arnault, Bill Gates, Jack Ma, Elon Musk, Jay Z, Beyonce, Warren Buffett, Oprah Winfrey and Jeff Bezos. 

Among the super-wealthy you can count Buddhists, Christians, Hindus, Muslims, non-believers, Blacks, Whites, Browns, mixed races, men, women, and people from all continents. 

What exactly then separates the super-wealthy from the poor? If not some undue advantage in opportunities, skin color, religion, intellect, industry, talent, place and time of birth, what?

Here they are: 

Focus their Attention

The wealthy pay undivided attention to nurturing and multiplying their wealth. For instance, Bill Gates attributes his wealth not so much to what he makes as Microsoft's co-founder, but to the excellent work of his portfolio manager, Michael Larson. On the other hand non wealthy spend their money on trying to look rich. In short, the poor tries to copy the "Millionaire Next Door." To be wealthy, be wealth conscious and focus attention to not just making money but how to grow it and make your money work harder for you. 

Productive with their Time 

Time is the most precious and scarcest resource. As economists say, its supply is inelastic. You can't store or delay it, you can't stop it, and you can't increase it. Effective use of time requires a mindset that is productive. The super-wealthy use time well. While time is an abstract, how you use it is a mindset. Regardless of wealth, we all have the same amount of this most invaluable resource? From birth until death we have equal amount of time daily: 24 hours. You will be wealthy to the extent to which you judiciously use this limited resource. 

Focus On One Thing

To be wealthy, develop FOCUS. Focus on one thing at a time. While the wealthy focus on one thing at a time. Whenever the wealthy pursues an end, he burns his boat and never looks back. Take for an example, Jeff Bezos. He focused on ECommerce, Bill Gate on computer coding, and Jay Z on entertainment.

Think Big 

If you look closely, all the wealthy think big. Jeff Bezos is not just building an E-Commerce company, but the most customer centric company on the planet. Bill Gates did not just go out to build Microsoft, but the biggest software company in the world. Not to be outdone, Mark Zuckerberg's empire now includes Facebook, Instagram, Whatsapp and Messenger. Thinking big is about being methodical, seeing the bigger picture of "what could be." It's about having an uncanny vision of the future and setting your sail accordingly in the direction of that vision without being distracted by other "opportunities" along the way. It's about saying "No" to a thousand things so that you can say "Yes" to the "one thing" that matters to you. So thinking BIG is one of the hallmarks of the wealthy. Really, why think small if you can think BIG by focusing on one grandiose end at a time? 

Proximity 

Don King, the boxing promoter, once told Dennis P. Kimbro, the co-author of Think and Grow Rich: A Black Choice, his plan for becoming a billionaire was "by hanging around billionaires, learning all they know." So hatch a plan and find a way to rub shoulders with the wealthy. By so doing, you'll be sucked into the world of the wealthy. This will reprogram your mind. Hanging around the wealthy is not just about networking, but it's about getting close enough to be mentored by the wealthy. What can you do to enter the radar of the wealthy? Write a book, start a podcast or a YouTube Channel to mention three. You can't be wealthy unless you reprogram your mind to think like the wealthy. The easiest way to do that is to enter into the world of the wealthy through the back door - through what you do. 

Work Hard and Smart 

Most of the time, the things associated with the wealthy are Gulf Stream Jets, Super Yachts, Golf Courses, Ocean Blue Islands, Hot Air Balloons and mansions designed in heaven. These are what you see at the front end. But peel the curtain a little and what you'll see at the back end is hard work. Many believe hard work does not matter in today's digital world where you can "set everything up to work on autopilot." Beware; nothing could be further from the truth. Do you know that Jeff Bezos used to kneel to sort parcels when Amazon first started in 1995? Till date he exhorts his people "It's Always Day One", meaning maintaining the spirit of entrepreneurship of a start up. If you're not willing to work hard, then perish the thought of getting wealthy. In his Good to Great, author Jim Collins wrote about the concept of the "flywheel." That's what hard work is all about. No wealth is ever created by standing with hands akimbo. 

Keeps Learning and Growing

Learning in this context is not about amassing many PhDs and MBAs in assorted disciplines. Learning is not about endless webinars. It's about getting personal coaches to make you better and performing at your peak in all dimensions of life. It may interest you to know some super-wealthy started out with no to little money but through a dint of hard work, learnt to overcome the bad hand that fate dealt them at birth. One well documented example is John H. Johnson of Ebony Magazine fame who in his day rose to become the 400th richest American. 

In his book, Succeeding Against the Odds, he stated that his family was not only poor, but they were the "poorest of the poor." John H. Johnson learnt to speak despite being born with a stammer; he learnt to believe in himself despite being born into extreme poverty, he learnt to sell and ended up buying the insurance company that employed him. 

So don't blame your start in life, just keep learning and wealth will be within your grasp. 

Source: Paul Uduck

Kids, Parents and Money

The "sandwich generation" are coping with balancing their own needs with the needs and expectations of family. Current research shows that 44% of Americans between the ages of 45 and 55 have living parents or in-laws, as well as children under age 21. Many of these individuals are direct caregivers - with 64% of caregivers also employed full-time or part-time. 

Within the next decade, the population over age 65 will continue to grow, according to U.S. Census reports. Increasing life expectancies also means that more people are likely to have chronic health problems and family involvement in their care. Today, an estimated 7 to 10 million adult children are providing care and assistance for their parents long-distance. And, approximately 92% of boomers financially support an adult child in one or more ways. This sandwich situation calls for open inter-family conversations to help ensure that money is managed thoughtfully and effectively, as well as cooperatively. It also means staying aware of your own financial plan when it comes to the increasing costs of medical care for your parents and college for your children. 

Generous Boomers - Tenuous Retirement 

Exactly how to teach children about money is a dilemma for many parents, according to the Ameriprise Financial New Retirement MindscapeSM study: 52% of those surveyed said it was the advice they needed most. In fact, some baby boomers are concerned about how the support they give their grown children may impact their own golden years, according to Nathan Dungan, president and founder of Share Save Spend, an organization that helps people of all ages develop and maintain healthy financial habits. Although they have these concerns, only 29% of boomers think helping their adult children is slowing down their retirement savings - a key finding of the Ameriprise Financial Money Across GenerationsSM study. One reason they don't see the impact on their retirement savings may be that they are tapping into "day-to-day" spending money and not dipping into retirement accounts to fund their children's needs. But, could some of that money be used to save toward retirement savings? 

Money Talks 

Discussing finances can be complicated because each generation thinks about money and the need to talk about it with other family members in ways that have been shaped by their upbringing and societal norms. An 86-year-old patriarch, for example, probably has a much different view of debt than do boomers or their children. He may question why his 28-year-old grandson uses a credit card to buy new clothes even if he's already deeply in debt. Although talking about money may be a sensitive subject, good things happen when families discuss money. It's important to approach the conversation in an open, non judgmental way. While finances are a taboo subject for many reasons, "harmony can be realised through understanding and communication," Dungan says. In some cases, families may find it helpful to include a neutral third party, such as a financial advisor, to act as a facilitator. 

Key points about families and finances: 

1. Members of the sandwich generation cope with balancing their own needs with the needs of their parents and children. 

2. Generosity to family is only natural but you need to plan for it. 

3. Have conversations about money with family, because open dialogue about money benefits everyone. 

4. It may be helpful to include a neutral third party, to act as a facilitator. 

Take Ruth, for example, a 59-year-old widow who supports her two adult sons. Ruth's financial advisor told her, "Let's deal with this now, or you're going to be making some really tough choices in five or 10 years," Dungan recalls. "You need to tell your children you can't be their sole source of financial support. The best way to avoid these complicated situations is to do what  may seem uncomfortable: Talk honestly about money. According to Dungan, no matter how you do it, what really matters is that you start the conversation and keep it going. "The money thing, from my perspective, is as much, if not more, about communication as it is about money," he says. 

Boomerang Children 

According to Pew Research study in 2021 47% of 18-29 are still living with their parents whilst  usafacts.org states that 16.9% of young adults aged 25-34 live with at least one parent. While many people in this age group may still be in education and have not yet moved out, others have returned home believing they can't afford to live independently because of high housing costs and student debts. 

Tips to help you transition your grown up children into financial independence: 

1. Have an agreement that spells out the living arrangements and household responsibilities. 

2. Be clear about what financial responsibilities children will have when they move back home (e.g., paying rent or a portion of utility expenses). 

3. Require that children make specific progress toward paying down debt and adding to their savings. 

4. Agree on a departure date. 

Making a Better Sandwich 

Your financial advisor can help you determine what financial needs you will have based on your own goals and unique family situation. For instance, you could consider investing in a 529 plan for your children's or grandchildren's college expenses, or purchasing long-term care insurance for your parents. 

You may also need to think about other health-care expenses and estate planning issues with your parents. 

Your advisor can help guide you and your family through these issues and decisions while helping you keep your own retirement planning on the right track. 

Article Source: https://EzineArticles.com/expert/Joshua_Ely/256297

False Promises and Financial Freedom

If you have them, you probably know that credit cards and after pay services make false promises of financial freedom, only to find out later that instead of being free, you've been imprisoned in debt. It's as bad as some men, lulling you into a sense of security, only to be screwed over in the worst way possible. Indeed, credit cards as well as after pay services are the bane of everybody's existence, and the sooner you realise it, the better it is for you. 

The Freebie

Most people, men and women alike, are enticed by credit card and finance companies with freebies. You've all heard about it. As long as you put in your application, you're promised free and in the words of Keith Cunningham "things and stuff" as soon as your application is approved. What you don't know is you'll be paying for those freebies faster than you can grab the credit card or your phone from your purse. Indeed, in this day and age, freebies come with a price, so find out what it's really going to cost you. 

Not Interested 

Credit card and after pay companies thrive on interest and hidden charges. Every time you take out your credit card, you can be sure that you're secretly being charged for something. Before you add another credit card to that arsenal you already have in your handbag. Whether it is a credit card or after pay product, read the fine print and find out what additional charges and interest will inevitably come with your purchases. Don't be fooled by the fancy lingo as it is time to get educated. Check your statement on the interest rate you are paying and the additional charges in interest if you do not pay in full or miss the payment deadline and incur late fees.

It's Payback Time 

Your credit cards work best if you can pay for it in full every time your bill comes out. You won't have to deal with monthly interest and additional charges. But then, that defeats the purpose of having a credit card in the first place. However, you can't fight the system, so the best you can do is make the system work with you. Use your credit cards responsibly. 

Using afterpay is not worth it when you do the numbers, by the time you have paid off your favourite outfit, it will be at the back of the wardrobe with all the other clothes and shoes you don't wear.

Ostentatious and unnecessary purchases should be avoided, and no, that doesn't include those strappy, brown sandals you've been checking out for the last two weeks, regardless of your payment option.

Only take out your credit card when you absolutely need to, such as when you're buying groceries or things you really need and can't live without. 

Better yet, hide your credit card somewhere where you won't be tempted into making impulse purchases. If you read my story, I used to keep my credit card in the freezer.

Indeed, credit cards are more liabilities rather than assets and it's not easy to get rid of them. But as long as you take control, you'll be okay. 

Eventually, it'll all be paid off and you won't have to worry about exorbitant interest and finance charges. 

Then and only then are you really on your way to financial freedom. 

Generational Financial Responsibility

As with most skills, talents, and overall 'education' gained throughout a lifetime of experiences, remember - practice makes perfect, and consistency is key. We suggest that when imparting knowledge of finances; from children saving change in a piggy bank, to teenagers saving a percentage of an allowance or gifts in cash, working with them in a mentor role, as they start their very own bank accounts is critical to generational success. 

Practice Makes Perfect 

Every day, month, quarter and year, there are activities and habits needed to be accomplished consistently. This helps ground children in the basics of financial literacy, which are appropriate to their family wealth factors and long-term responsibilities such as philanthropy. 

Children who will inherit significant wealth and the responsibilities that go along with it, require world-class preparation. Balancing income and outgoings and understanding compound interest is one thing, but managing assets, establishing a growth-mindset, and teaching a child to have vision, is another. Parents may have built up a very successful business, but your children may someday need to sit on the board and also approve the management of investments that support an extended family.

One way to engage children is to play off of their passions; otherwise, financial education will feel like classroom instruction. There are "family wealth advisors" who work with families to identify the things their children already have an interest in, and are willing to spend time pursuing such as a favorite sport or activity. From this identification, these counselors develop a learning program around the child's interest or passions as a theme. 

The end goal is to help each family member of the next generation to have an individual 'economic vision statement,' and to have developed the skills required to realise their unique vision and support in turning the vision into a reality.

While many families want their children to understand the basic concepts and terms, their children need to go beyond the introductory level of money management to incorporate family values, such as those related to charitable giving or volunteering, as well as their particular interests in participating. Their 'economic vision statements' themselves will evolve as these children mature and become more focused in their individual interest and goals. 

Consistency is Key 

Every family takes for granted that if a child is going to be a proficient at tennis, golf or the piano, they need regular lessons, a great teacher, and practice. It's that same thing for financial education. And so, those kids who get practice, great instruction, and lessons do better." By incorporating the "passions" and interests of your children - regardless of age. 

Those parents who hope a financial education specialist can take their kids and tutor them may have good intentions, but they're not taking necessary actions to address the challenge. Parents and children must be involved. To do it otherwise is just a waste of time and money, not every family has the appetite to take on this work. It's costly. It takes a fair investment of time. And it certainly requires all family members to begin to look at their actions in a different way. In general, there's certainly interest in financial education, but I think a lot of it is just trivial unless there's an ongoing commitment to the process. The commitment needs to be at least as powerful as the commitment to building the next pro golfer.

Planning for Financial literacy 

Learning starts early - just as models of non-productive behavior do. While parents may have good intentions for raising money-mature children, they often fail to succeed because they don't move from 'soft' intentions to a realised program of financial education tailored to the age and interests of the next generation. 

The kids who do well have parents who've gone from good intentions to being intentional. Every parent has the good intention for their children to grow up financially intelligent, but few of them really act on it. Parents who have a growth mindset, are committed to their intentions can help ensure the orderly transition of financial planning from parent to child.

Hot Tips: 

• The prime age is between 6 and 14 for learning and building good, solid money skills 
• Preparation for building and managing wealth is an on-going activity, if you want to create and sustain long term generational financial responsibility
• Consistency, planning and practice truly does make the real difference

Studies Show Struggling Economies Hit Women the Hardest

An increasing number of women and self-employed individuals are suffering from major debt problems that, if left unattended, can eventually cause insolvency. 

Income loss is the most common reason why people enter a Debt Management Plan (DMP).

Figures from the ONS confirm the fact that the economic downturn has forced women and the self-employed to struggle to make ends meet. More and more employees who used to work full-time are now on shorter shifts or have only very few work opportunities. Furthermore, there is a skills shortage and despite jobs advertised, many do not have the skills required to fulfill those roles.

What to Do Now? 

Anyone who's faced with serious debt should get advice at the earliest possible stage. Many countries offer free advisory support, so please check government websites as a starting point.

Employees who have very limited disposable income and whose debts are below a certain threshold can resort to a debt relief order. If debts are higher, the best option would be bankruptcy. Note that every country has different rules so please check for your geographical region. 

Every financial situation is unique and any action should be done with caution. Some experts suggest that the initial step should be seeking professional help from a qualified IVA or debt adviser. More importantly, when in the midst of income loss, people should start prioritising bills and payments, such as mortgage, insurance, council tax, and other necessities. 

It's always good advice to speak with lenders and financial services first to inform them about your status and find professional assistance. 

The key to get out of a spiral of debt is to tackle impending financial problems before they really hit. This way, you can get back on your feet and eventually have your finances back in good shape. 

Financial Planning Challenges that Women Face

If you were to guess which issue women worry about most right now would you guess kids, family, our partner being faithful, health, time management, mental health or stress, or maybe even equal rights? 

The answer is...... our finances. 

This response may or may not surprise you now, but consider the following list of financial issues unique to us:

• We are more intimidated than men about financial issues 
• We earn less money than men (82 cents in the $)
• We are less prepared for retirement as we have less money to retire on
• We live on average 8 years longer than men 
• We don't know who to trust with our finances so we tend to leave it in the bank or spend it
• We are more conservative investors than men
• It is more challenging for single mothers, even more if you are a working parent
• We are caring for elderly parents 
• Our health insurance plans cost us more
• We tend to defer to men regarding long term financial decisions, even though we manage the daily household finances 
• Money may have been managed by our spouses  when married and then we do not know how to manage money if we end up divorced
• The finance Industry doesn't really cater for women and we generally don't trust the men in suits
• Women of Colour are the most dis-advantaged statistically when it comes to equality and earnings

A study by the National Center for Women and Retirement Research showed that women investors were more worried than men about running out of money in old age, preferred more conservative investments, wanted fixed/steady returns, were more unnerved by stock fluctuations and worried more about investment decisions. 

Due to this, our retirement years are severely impacted as we have earned less money, therefore we have less to retire on whilst we live longer.

Most and Anthes note that according to the Administration on Aging "...half the elderly widows now living in poverty were not living in poverty before their husbands died. 

The picture is even worse for older women in many minority groups.

The next generation of retirees may have been raised in an environment in which men handled the money decisions. 

Despite more women actually pay the weekly bills, we tend to have little knowledge of the larger family finances such as retirement plans, insurance, annuities, etc. because we defer this to our spouse's to make the decisions. 

It is essential for women to understand the 'big picture' of their finances, especially for retirement, divorce, or death of their spouse. 

Because we earn less than men, we are less prepared for retirement, and receive smaller retirement benefits, we need to make sure that our husband's retirement benefits will pass to us if our husband dies first. 

Because we may be more intimidated about asking questions of our attorney or financial advisor, we may miss crucial details (such as single-life annuity which may bring higher levels during the husband's life but that ends when the husband dies first), or incorrect beneficiaries on life insurance policies. 

During a divorce, we may be more concerned about custody issues and keeping the house than our future retirement and may agree to forgo retirement plans. 

Single parenting brings a whole host of financial challenges, including lost wages from parenting responsibilities and childcare and babysitters. 

If the extra expenses and possibly lower income are not included in the divorce settlement, as single mother may find that she is unable to keep the house and she loses the two most valuable assets: the house and her retirement plan. 

Women not only make less money than men, our health plan may cost more than for men due to mammograms, the cervical-cancer vaccine, Pap tests and pregnancy related services. 

This is unfair, but while the inequity exists, we must make an extra effort to contribute the difference to a Health Savings Account or savings program to avoid using credit to pay for the added medical bills if needed.

Another huge drain on women's finances is caring for our aging parents. 

More women care for aging parents than men. 

However distasteful it may be to condense a daughter's love for her parents into a discussion of money, this issue must be addressed so that women can prepare. 

Because of the aging baby-boomer population, these numbers will soon become staggering. 

If you add caring for young children into the mix at the same time, the financial results can be devastating. 

Because of the special issues facing women, it is crucial that we educate ourselves about finances and the realities of financial gender inequity and plan for our future. 

The male-dominated financial services industry is just beginning to realise the unique financial planning issues for women. 

This is where we come in ladies, to ensure you have the financial education so you have the knowledge you need to become financially fabulous.

We support you with the basics of financial education and ensure that you find trusted advisors that understand your issues and are helping you plan accordingly. 

Don't be afraid to ask your advisors questions (we put a guide together on this exact topic so you know what questions to ask and are fully aware of the process). 

Now is the time to begin planning for the future: 

• Have a plan 
• Increase your knowledge and understanding of financial matters 
• Utilise trusted professional advisors to implement your plans  
• Regularly monitor your progress

Femvestorsglobal is your starting point to your financial journey, we will ensure you reach your "Moneymoon Destination"

Women and Retirement - What We Need to Know Before We Retire

Women in many parts of the world have made tremendous strides in improving our overall financial outlook and closing the income gap with men. During the last two decades, we have become better educated and more self reliant regarding our financial future than our mother's would ever dream. For example. Today, more women are graduating from University than men.

Although women's incomes and economic power have increased steadily over the years, we face many unique challenges when it comes to planning for our financial future. We must be cognisant of the set of circumstances which set us apart from others as we attempt to capitalise on our economic potential and secure our financial future. 

Increased Lifespan 

One distinctive and sometimes overlooked characteristic of 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. This increased longevity for women creates several challenges that we must consider before we can build a sound financial plan for ourselves. In many cases, because we are expected to outlive our husbands, we must plan for more available income during our retirement years to maintain our lifestyle and independence.

In fact, due to advances in health sciences, we 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 retirees felt their number #1 concern regarding retirement, was the prospect of outliving their retirement savings. and future female retirees, the increased chances of a long retirement should be an important consideration in addressing our retirement plan priorities.

Although more women have joined workforce over the years, we often still maintain the more traditional maternal roles within the household, such as raising kids and being the chief caregiver to the entire family. We remain the most likely family members to sacrifice career aspirations to provide care to elderly parents, children or disabled spouses. 

For many women, living longer will also mean we potentially outlive our own primary caregivers-our spouses. It will also increase our 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 healthcare programs are 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 $120,000 per year, the cost of these services can have a tremendous impact on personal savings, lifestyles and in some cases restrict financial independence. 

Divorce Statistics 

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

Often after years of unemployment, many divorced women must re-enter 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 ourselves with access to fewer resources, limited years available to generate retirement assets, and insufficient experience in dealing with issues of finance and risk planning. 

Managing 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 our 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 of us are left to support our children without enough income to maintain existing lifestyle. Many of us are forced to sell our home and uproot our children from our neighborhood, schools and friends. Typically, we 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 our spouses provide us the protection we need despite the recognised risks. Ladies- in this situation we must understand how important insurance is in creating wealth and mitigating risk for our families and particularly for ourselves. A suitably positioned insurance plan can often create an "instant estate" and prevent unnecessary upheaval and the sacrifice of our retirement goals. 

Retirement and Savings

Although the number of women who are working is increasing, we are less likely to work for companies that offer retirement plans. Where we are offered employer sponsored retirement accounts, we tend to be more conservative investors and often do not fully understand how to maximise our investments plan options. Women without access to employer sponsored retirement plans, place ourselves at greater risk of dependence on government supported programs to provide resources during retirement. 

Over the years, retirement programs have provided us supplemental income for millions of retirees. However, according to many estimates, the long term financial viability of these government led retirement programs is now in doubt. 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 rates. Personal savings rates have been declining for years. This means we are actually spending more money than we earned. Part of the reason for a smaller savings rate is that the banks are private institutions and are ultimately businesses operating for their shareholders. Governments and Central Banks have a limited ability to hold banks and financial institutions to account, especially since investments such as stocks, bonds, and real estate have been performing well, there has been no need. 

In addition, the availability of low interests, also discourage savings and encourage borrowing for big ticket items such as cars and personal real estate. Economies run on consumption and we are encouraged by government and media to spend at record levels to continue fueling our economy. 

To Conclude 

Building a sound financial future has never been an easy task for the vast majority of women. The task is now more difficult than ever with the current state of the economy. The current economic slowdown 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 us and our families. 

Despite all the advances we have made, women must also carry the additional burden of longer life spans, high divorce rates, and lower saving rates. This places even greater pressure on us, faced with building a retirement nest egg, to ensure that they will not outlive our savings and decreases the odds of achieving financial security. 

The good news for many of us is that there are many financial strategies available to help us address these unique challenges and put us in a position to create and preserve our wealth. 

As we become better educated and financially savvy, we are realising that we do not have to go it alone. 

This is why we created Femvestorsglobal, so we can support you on becoming financially fabulous and a confident money master.

Women and Real Estate

If you don't already own a home, there are so many reasons to from a financial perspective: 

• build equity
• save money on taxes and use your equity as back-up security 

Equity is the ability to increase the difference between your home value and the amount you owe on your mortgage.

Moreso, as a woman there is an even important reason, it is a tremendous source of security for your future. 

Many women that own real estate have seen success in other parts of their financial lives as well! 

This could include renting out spare rooms for additional income.

If you already own a home, you should think about paying down your mortgage a bit more each month or year. 

If you are married, this will only increase the value of your assets towards your retirement. 

In fact, it is an opportunity to become more active within the financial realm of your life. 

By becoming interested in the insights of the financial details of how it works (i.e. through paying off your mortgage earlier, refinancing when rates lower or appraising the home when values rise), it can lead to taking more of an interest in other areas of your family's personal finance. 

For women that end up alone, either through divorce or widowed, owning a home can provide tremendous financial security. 

It provides options that provide security later on in life such as: tapping into the value of the home, getting extra income or taking advantage of the increased value. 

Since real estate prices have gone up so much these last few years, partially due to low interest rates, you might be thinking that you can't afford to get into the real estate market where you live. 

You can look in other areas. 

For example, central CBD locations have become prohibitively expensive. 

Therefore, many people are buying homes in the outer suburbs and have already seen property values rise. 

Or you might be thinking that you don't have enough saved for a down payment. 

Many people don't believe in mortgage insurance, the reality is that this may be worthwhile to enable you to purchase a home. It is likely you will see this money returned as the value of your home may have gone up so the insurance is money well spent.

If you don't do anything about it, you still won't have enough saved for a down payment. 

The alternative options is that you could buy a small 1 bedroom apartment and rent it out. It doesn't always have to be the home you need to live in.

My first investment property was a 1 bedroom apartment in a boutique development in Melbourne's CBD in Australia. I have since purchased further investment properties and have not lived in any of them.

I am a "rentvestor" which means that I rent myself and buy houses to rent out to others.

If owning a property is aligned to your goals, the key is to just get started!

Romance and Our Finances

For perhaps as long as love has been a part of human society, currency or trade have also played their parts; the two often cross paths, for better or worse and make for an interesting look at two of the most highly sought after fundamentals of our world. 

Buying love with money: Phrasing the idea in such blunt terms is often a little off putting for many individuals who believe that love isn't for sale. A gift given from person to another is not always the result of great expense, or in some cases any monetary expense at all, however in a world where the phrase time is money exists how can one eliminate the idea that a certain amount of affection or approval has just been, for all intents and purposes, purchased? It can be difficult to determine a person's feelings for another where money is involved. Most people would agree that gifts are a healthy expression of individuals' feelings, but would at the same time be offended by the idea that love can be purchased for the right price. If we look back not too many years ago, at a world where women in particular, though not exclusively, found that without the aid of a husband or relative they were nearly unable to support themselves it is easy to understand how such feelings could indeed be purchased. 

Considering the level of poverty so many people shared, the idea that a person could break free from such living conditions through the generosity (or sometimes just lust,) of another person would have extreme and lasting emotional consequences. In many cases, a prosperous marriage meant not only that a woman would never go hungry again, but that her family would also be provided for. While in some of these examples real love may have originated without the involvement of wealth; many of them were simply a trade, beautiful daughter or son, in exchange for financial security. In some cases this would be referred to as lust not love, but for many people the overwhelming sense of desire can easily be perceived as just such an emotion. Where some of these relationships may have begun with a pretty face or attractive body, the desire to take care of and provide for an individual suggests feelings that run a little deeper than pure desire. Though the idea may not be particularly appealing to many, it does beg the question: can love be bought? 

Lust for sale? Amoral to some and illegal in many places the concept of buying a little physical action from a person for a set price is one of the oldest topics of debate throughout the world. Whether you believe it wrong or right, or simply don't think about it, purchasing desire has been widely available in every country throughout the world as far back as any records can show. While lust does not share many of the same feelings with love it has certain powerful qualities that have driven many men and women to reach deep into their pocket books. In this case the person making the purchase is unlikely to invoke feelings of love from the person they are paying, but is it possible that some emotional attachment, some facsimile of love will come with it? Though it might be in many ways false love, the illusion can be extremely convincing. This is example of just how convincing can be seen in the well known gold digger, though perhaps not a very flattering term to use the concept is quite accurate: a person who marries are aligns themselves with another person who has the means to care for them, in many cases more than care for, providing substantial wealth. 

Though some might say there is a difference between a prostitute and a person who marries for money, it can be difficult to know where the line is drawn. On the other hand, a person who is attracted to another, at least in part, because that person could provide a comfortable, even lavish lifestyle, can hardly be blamed for finding the prospect appealing. Is it wrong to be attracted to a person for their money? Is it wrong to use your wealth in an attempt to attract others? These questions are ages old and yet still without definite answers from almost every society. Putting legalities aside, for most reasonable people it presents quite problem: is it fair to judge others for how they wish to live their lives? Most would say no. On the other hand the idea of selling sex for money has for many years been associated with other illegal and sometimes dangerous activities that tend take place in the same locations. Amoral or not, it is a true reflection of our growth as a society that these desires often outweigh logic; whether for or against, the emotional response is usually one sided and without thought to the oppositions' feelings or opinions. 

Money and relationships: It has been recorded numerous times that one of the most common reasons for couples splitting up is finance. Some attempt to avoid this issue by keeping separate bank accounts and treating the relationship, in terms of money, more like a roommate situation than a romantic one. In other situations one person entirely supports another financially while the other remains at home, perhaps attending school, pursing a creative profession or even more commonly to raise a family. However you and your partner have decided to address your financial decisions during stressful moments problems can be difficult to avoid. A few tips to keep in mind when dealing with this issue:

• Financial difficulty cannot always be attributed to one or both people; in certain situations it can be extremely difficult to deal with poverty or limited funds, remember not to place blame simply because the situation is frustrating. 
• If trying to cut back on overspending, remember to cut on equal sides; it can be a stressful endeavor to eliminate certain excess from your life, remember that your partner feels the same way about their own. 
• However terrible the situation, try to find things to laugh about with each other, it won't be easy but it can help to create a feeling of unity. 
• If one person is supporting another and this situation met with approval on both sides, don't throw blame out simply because financial problems have occurred by reminding a person that they are not bringing an income into the relationship, especially for those that accomplish a great deal at home, though it might not be paid work, it can be extremely hurtful and will not be forgotten even if the situation improves. 
• Do not try to hide financial problems from your significant other; often these issues are much better to face as a solid unit and a great deal of stress can be eliminated by sharing the burden.
• Forcing your partner to bear the positive attitude so that you can continue to panic or sulk is also unhelpful; regardless of your usual dynamic, try to be strong for your partner in these unhappy times. 
• When possible, if nothing can be done at the time to correct the situation, seek distraction with your partner, putting distance, at least temporarily between your relationship and finances. 

Will the ties between money and love ever come to an end? Most likely not, as long as our society continues to include both aspects in it. To keep one from injuring the other requires patience, understanding and at times, accepting what you don't understand. The long history for both weaves an intricate web of human development that is still just as alluring and confusing today as it was thousands of years ago.

Article Source: https://EzineArticles.com/expert/Alison_Sardelli/203131

Financial Success Habits and Our Old Beliefs

Are you struggling with your money goals and your finance goals? I think a lot of people are these days, especially with the current economic climate right? Why do we all struggle with these goals to achieve in life? Why do we grapple with issues around accomplishing a goal in terms of our finances? In my experience, this is all deep in our subconscious and goes back to our childhood and throughout our teen and adult life. 

In the past couple of years, I have been blessed to see some of the most successful business men and women in the world. I have sat for hours as they speak about how they struggled to overcome their own struggles with their money goals and finance goals. I have listened to speakers who slept on the streets, slept in train stations etc... to conquer their money goals and finally learn how to set life goals! I have seen the pain in their eyes and the emotional attachment that this period still has with them. 

Why do people go through periods of struggle with their money and finance goals? Well, when you think about it, as kids we are very much subjected to a lot of "myths" about money and how it is viewed by society. Have you ever heard some of these common myths before... 

• Money is the root of all evil 
• Getting rich is a matter of luck or fate 
• Having a lot of money will make me less spiritual or pure 
• Money will change me 
• Money won't make me happy 
• I'm too young to be rich
• I'm too old to start making money
• I don't deserve or not worthy of money 
• I'm already quite comfortable
• I don't need to push myself 

I bet these sayings are familiar to the majority of you? We struggle with our money goals and finance goals because we have been so conditioned by phrases like "I'm not made of money" or "Money doesn't grow on trees", that it is inherent in our subconscious. It is almost like a disease and we don't even realize it! I have been very lucky to attend various seminars on this subject that have really brought this to my conscious mind. When something is conscious, we can train the brain so that success in our money goals and finance goals becomes habitual. 

After attending seminars, reading books and being more aware of these myths and negative stories we have all heard about, I began to realise that this severely impacts our goals to achieve in life, in such a negative way. I then started to see things differently and made an observation that many people I have spoken to lately, have agreed with. What we watch on TV has a big impact on our money goals and finance goals! 

I grew up in the "Disney" era, where my beliefs on money stemmed from my childhood and romantic movies and books. I would live happily ever after, Prince Charming would always look after me. My childhood toys were Barbie having a fabulous life with Ken. Outside of Barbie dolls, I had toys such as a pram to push my kids in, a toy cooker, plastic tea set and a toy convertible car and caravan that Ken bought me. I had make-up, shoes and princess dress-up outfits, a plastic girl's head for practicing hairstyles.

Growing older, I continue to buy these "so called toys" into my adult life- clothes, shoes, handbags, expensive cars, designer make-up, frequent holidays and high self maintenance activities. I spiralled into a lot of debt.

Fast forward paying off the credit cards, loans and eventually getting myself out of debt, I started to then seriously focus on my financial habits and following others. Once you start to model and try to replicate successful people, you see things with new eyes. I often speak so highly of the seminars and the business speakers that I have been privileged to see live. After spending three full days at an event on "money goals" 3 years ago, someone once remarked that I was in a "cult". It made me think, perhaps I have been in a "cult" with my money goals and finance goals before I began to see the light that the successful gurus have shown me. 

So I guess its time to debunk some of the myths above and leave you with some new belief systems to mull over: 

1) Making money doesn't restrict freedom, it PROMOTES freedom 

2) To master money, I must MANAGE money 

3) Wealthy and successful people aren't smarter than me, they just have better money management Financial HABITS 

Some people think that the concept of changing your mindset is all "mumbo jumbo". 

I beg to differ. I think that if we begin to look at things with new eyes, that we can really start to focus on our money goals and finance goals. In fact, you can focus on new ways to achieve your goals in life! So what are your new money associations? 

Fill in the blank: Money is__________ 

Only 20% of people set goals. 

The other 80% think they have goals... but these are only wishes! 

Are you open to some different perspectives on how to set and achieve goals?

If so, check out Femvestorsglobal.com

We support you with goal setting, getting clarity on a vision for your life and turning your dreams into reality. We give you the GPS to your "Moneymoon Destination".

Women and Finance: Household CFOs

In more and more households, it is the women sorting the mail and email as it comes in, separating the bills and ensuring they get paid on time via their online bill pay system. Women also typically continue to make day-to-day purchasing decisions that have a lasting impact on a family's finances, such as where to make grocery and clothing purchases, and whether to use club cards or discount vouchers. In addition, many women have taken on increasingly complex financial tasks, such as eliminating credit card debt, investing for retirement, saving for their children's education, and engaging in family estate planning. 

The Household CFO (Chief Financial Officer): An Old Term that is making a comeback.

Yes, we are undertaking these tasks but no one is taking it a step further. When we have money saved, what do we do with it?. Many of us have grown up believing that the Banks are a solution. They are not but where else do you go?  Yes, some businesses that provide financial services are beginning to cater to even more women and to give us the respect we deserve. But can we trust them?

Women and Finance: Doing it Their Way 

As marketers, web designers, sales people, financial advisors and other business professionals learn to target women more effectively, they are consistently realising that women think differently about finance than men do. 

Here are some strategies that these professionals should keep in mind as they target women in finance.  

1. We are voracious information gatherers. And we like to get our information in community settings. This is where Femvestorsglobal support you as we will certainly carry this appetite for information-gathering into your finance habits. 

2. Many, but not all women, lack confidence in their financial skills. This lack of confidence is somewhat ironic, because many of us are actually quite competent and so our lack of skill is often perceived, rather than real. 

Unfortunately, the Finance Industry has been a boy's club for centuries and we have been kept in the dark around how things operate. Femvestorsglobal can bridge this confidence gap by speaking in plain English, rather than attempting to impress you with financial jargon that the Professionals use to their advantage. 

3. We tend to thrive in networks. Femvestorsglobal created a Community to support you and hold your hand every step of the way.  Regardless of your time zone, time commitment or finances, we cater for YOU. We listened to what you needed and created a global solution to this issue. 

4. Our values are Honesty, Integrity and Trust. Yes, it takes time to build trust, once you are in our network, you will see the difference we will make to your life and your loved ones. We are true to who we are. 

There are certainly companies and whole industries that have not gotten the memo. We certainly listened to You and created our Community for You.

Check us out at www.femvestorsglobal.com to see how we can support you!