Tag Archive | Insurance and Single Women

Ways Women Can Avoid Being Ripped Off By the Plumber

Ways Women Can Avoid Being Ripped Off By a PlumberIt happens every day all across the country; women are being ripped off by the plumber who is supposed to be there to help them. Women, do not feel helpless. There are things that you can do to help keep you from being ripped off by the plumber that you have come help fix the problem.

The first thing that you need to do is to know what the problem is. You need to know not just what the general problem is, but you need to get as specific as possible. The more you know the better off you will be. You can always do research on the issue at hand and gain information. This will allow you to understand what it is that the plumber is saying to you and if they try to tell you that you need something that you really do not need you may be able to pick up on it.

You should always shop around for a plumber. Not just for one who has a good price but for one who has a good reputation as well. Check out the websites of different plumbers. Many of these companies will put some of the reviews that they have received on their website. Be careful though, if the review was not good it may not have made it up to the website. Look for websites that offer nonbiased reviews so you can get an honest opinion on the various plumbers in your area.

Plumbing

Plumbing (Photo credit: zcutlip99)

When you do have a plumber come out ladies remember that they are most likely going to assume that you do not know much if anything. You should ask a lot of questions; this will indicate to them that you are interested in what is going on. The more you ask the more you will know, and the more you will be able to get online and be able to verify. The plumber should hopefully understand that the more that they tell you the more likely they will be caught trying to rip you off.

One last thing to think about is the fact that you do not know the man that is coming into your home to work on your plumbing. This man could be a good law abiding citizen, or he could have a criminal background. The fact is that you do not know. He may not want to rip you off through his job; instead he may steal some of your valuables. It is a good idea ladies, to keep an eye on him while he is in your home.

The sad truth is that long gone are the days you can trust the people coming to your home to do repair work. Now you have to question everyone’s motives. It is easier to just not give someone the chance to rip you off. Prepare yourself and you will be much less likely to be ripped off the next time you have to call a plumber out to your home.

Are Women Smarter Than Men When It Comes To Investing?

There are new studies out that are showing a growing trend in investing; women are doing better than men. Why is this? There are numerous reasons that this could be. Women seem to be making better decisions and receiving the rewards of this when it comes to investing their money.

There is a report from Prudential that says that women “do not fully understand many of the increasingly sophisticated financial products that are available.” This does not seem to be true now though. Over the past decade just about every financial company has released a report that makes women look like they have no idea what they are doing when it comes to investments. They make it seem as though women would prefer to have someone else deal with their finances.

There was a new report released from TD Ameritrade, surveyed four thousand men and women across the United States, the United Kingdom, and Canada. What this survey shows is that ninety percent of women feel that they are confident when it comes to investing, and that they feel level-headed when it comes to managing their portfolio. This would be in contradiction to previous surveys and reports that have been previously released.

Another thing that this report shows is that women prefer to be educated before investing and they are managing their portfolios online. This report shows a clear link between women who manage their portfolio online and those who are confident about their investments. Investing online seems to be empowering women investors everywhere.

Keep in mind that all surveys have limitations though. They do not canvas everyone and there may be data that is different than it otherwise would be had everyone been canvassed. The TD Ameritrade survey was done across three countries, only surveying four thousand men and women. There are many people that this survey did not cover.

It does seem that this is becoming a more popular trend. There may be women out there who have never even thought about managing their portfolio and investing online. The more women hear about it and do research on it the more women seem to be doing it. Women everywhere are becoming more educated in the financial world and therefore are able to make better decisions and do things that will help them along.

Women may or may not be smarter than men when it comes to investing. More women are making smarter moves though and getting educated and get online. It seems that the more women get online to deal with investments the better they are doing with managing their portfolio and making these investments. So ladies get online, see what is there that will work for you and get going on your investing.

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    Is It Okay for Women to Get Payday Loans to Go Shopping?

    A newer trend in for women is to get payday loans to go shopping. Some of these women are considered shopaholics. Is it okay to get a payday loan just because you want to go shopping?

    The situation does matter. For example if you have to go to a work charity function, but do not have the clothes to wear and do not have the money until you get paid then it may be okay. There are times like this that cannot be helped and therefore the woman obtaining the payday loan does need to shop with that money, because they need something to wear to the even that they have to go to for work.

    If a woman is getting a payday loan to go shopping at the grocery store so that she and or her and her family can eat then it should be considered to be okay. Sometime, especially if you have kids or a single mother, you run out of food before payday. You cannot starve, you have to eat, and this is one way that you can do so.

    There are some women however take out payday loans so they can shop just to shop. They are not out looking for something that they want or need, the just want to shop. These women are what people call a shopaholic. They are addicted to shopping and want to shop no matter what it costs them. In this situation it should not be considered okay to get a payday loan to shop.

    Are you in need of school supplies for your child but have no money at the moment? This is another time where it should be considered okay to get a payday loan so that you can go shopping. You do not want to compromise your child’s education over some school supplies.

    Do you love to buy things for others? There are a lot of people out there who feel better when they give gifts to others. This is another example of when you should not get a payday loan to shop is to buy gifts for others when it is not needed. Even if it is for a birthday or holiday you should not overextend yourself financially.

    More and more women all across the world are taking out payday loans so that they can go shopping. There are times where this is okay; it keeps you going until you get paid again. There are times however that one should just not take out a payday loan to go shopping, especially when it is for something that you do not want or need.

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      Women and Finances, the Gender Bias

      When it comes to women and finances it seems that even today there is a gender bias. Why is this? It could be contributed to many reasons. Women are starting to take a more active role in their family’s finances; however there are still issues when it comes to handling money that almost seems to be in our genes.

      Most everyone has known for decades now that women earn less than men do. While the gap in pay between men and women is decreasing, it is still causing other problems for women today. Because women make less money, they earn lower social security benefits later in life than men do. This does not seem to be fair, both men and women work, but the gender bias keeps women from making the same amount of money that men make.

      When it comes to caregiver tasks such as taking care of children or elderly parents, women take most of the responsibility. This does take away time that could otherwise be devoted to work. This is another reason that women make less than men, they have to take more time off to be a caregiver. Men leave this to women, so they work and earn money and social security benefits, while women are off being a caregiver and not earning any money doing it.

      There are certain careers that women choose more than men do. These tend to be the careers that have been more for women for decades. Such careers would be a caregiver or teacher. For decades these have been viewed as more of a woman’s job. Tradition and culture affect the things that we do, and it has been a tradition in most of our cultures that women do things such as teach and care for others.

      Of course there are women who are going to break this trend and follow another career path. It does seem however that it will take some time before women and men are seen as equals in the financial world. Even if a woman gets a degree and does a job that is usually done by a man such as being an engineer, she will earn less than her male coworkers. While this does not seem fair, it is changing, slowly. It may be more than a decade or two before women earn the same amount that men earn. The main thing is that we are on our way to closing the gender gap on earnings and getting rid of gender bias in the workplace.

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        Women’s Financial Tips

        All women need a tip here and there. The area of finance is no exception. For all who could use a tip now and then here are some for you.

        Every woman should have set financial goals. If you do not then you should take some time to sit down and make some goals. Write them down and write down the ways that you plan to accomplish these goals. If you do have some financial goals that are already set you should take the time to sit down and review them. Make sure that you are still on track to reaching these goals.

        One thing that is very important for all women to do is to train themselves to be financially independent. If you do not have to rely on someone else for your finances then you will have an easier time if you suddenly are no longer with that other person. Being financially independent should be a priority for every woman.

        All women whether they are single or in a relationship should have their own retirement account. Not only should you have your own retirement fund, but you need to make sure that you contributing to it as well. This way you do not have to rely on someone else’s retirement fund. You never know what will happen in the future and you need to make sure that no matter what happens you are able to take care of yourself.

        Do not be too afraid of risk. Studies show that women tend to take fewer risks when it comes to investing than men do. When you are investing try taking just a little more risk. More risk can mean more reward. Do not go overboard, but taking a small risk here and there can be a good thing.

        Remember ladies, you do not have to do it all by yourself. You can seek out the assistance of a financial advisor. They are full of knowledge that can help you to make the best financial decisions for you. Financial advisors are good to have, whenever you have a question you know that you can get an answer.

        When it comes to salary negotiations women need to have more confidence. Women do not always feel comfortable when it comes to salary negotiations. Women need to find a way that will work for them to gain the confidence to negotiate their salary. Get paid what you are worth ladies.

        No woman knows everything. We all need some help from time to time. These are ways that you can help yourself financially. Always remember though ladies, it is okay to ask for help when you need it, you do not have to deal with your finances alone.

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          Women Are Getting Better With Money as They Age

          Women face multiple hurdles when it comes to money. For example women tend to live longer than men, but make less than men. It seems as though the saying “with age comes wisdom” is really true. Women seem to be getting better with money as they age.

          Joanne Hsu is an economist at the Federal Reserve Board. She completed a survey of those age fifty-one and over along with their spouses on financial literacy. This survey shows that men’s financial literacy seems to stay flat over the years, while women’s financial literacy increases.

          Hsu believes that there are incentives for women to increase their financial literacy as they get older. There are many different reasons such as getting married, having a child, or purchasing one’s first home. Whatever the reason is, women are using to push themselves to become more financially literate.

          One big reason that Hsu believes pushes women into becoming more financially literate is the possibility of becoming a widow. It is well known by now that women tend to live longer than men do. With that being said, if a woman may have to face becoming a widow, it becomes increasingly important for her to become more financially literate so that she can take care of herself financially once her husband has passed.

          There is a big correlation between high financial literacy levels and making better financial decisions. This should not surprise anyone. Hsu has been quoted as saying “Given these links, having sufficient financial literacy is becoming even more important since the responsibility for retirement planning has shifted to individuals.”

          What does this mean? This means that it is important to have high financial literacy levels in order to prepare better for retirement. Many people are finding that if they increase their financial knowledge they will make better decisions for their future, making it a more financially secure future.

          For any woman who needs help but does not know what to do, find a financial advisor. Do not just use the first one that you find. Make sure that you are working with someone who has your best needs in mind. This way you can get help making the best financial decisions you can. If you become a widow before gaining financial education, these financial advisors can really be helpful.

          Women are gaining financial knowledge as they go forward in life. This shows us that women are working to become more financially literate. Women are recognizing the various reasons why they need to become financially literate and are working toward gaining the knowledge that they need.

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            Long Term Care Insurance and Single Women

            Not all single women have thought about long term care insurance. If you are one of those you should start thinking about it, and fast. All women no matter if you are married or single should have this insurance. It is more important for single women than for married women, so if you are single and do not have long term care insurance you need to get on getting it.

            There is talk that long term care insurance gender based pricing is going to change this year. This is a good reason to get some long term care insurance now, the prices may be going up soon. Studies have shown us for a long time now that women tend to live longer than men. This makes it much more important for a woman to have long term care insurance than men.

            Most financial experts are urging those single women who do not yet have long term care insurance to get some soon. If you are unsure of what you need you can always talk with a financial advisor. They are full of knowledge about long term care insurance. They will be able to help you find a company to get your insurance from, and they can even help you to pick the plan that will be best for you.

            Ladies, if you think about it, you really cannot afford to not have long term care insurance. With advances in modern medicine everyone is living longer, especially women. This is a great reason to get some insurance to help take care of you for the long term.

            This is a serious must have for single women. If you do not purchase long term care insurance what do you plan to do later in life when you need it? You will not have someone else to help you pay for the care. No matter what it is a smart financial move to get this insurance. If you have any questions about it, get them answer before buying a policy, but you better do it fast.

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