5 Reasons Financial Planning Is Different For Women Than Men

Financial planning saves a lot of stress and anxiety over money. Both men and women – single or married – should take part in planning for their future. But women face a different set of challenges.

This article is not intended to express how difficult it is to be a woman. Women have tremendous opportunities and have already come a long way in the working world.

That being said, their financial planning needs can be altered in many ways by factors that may be out of their control.

The 5 reasons women need to plan differently are outlined below. They may not be applicable in every case, but women are more likely to experience these factors than men. With clarity, a well thought out and evolving financial plan, women can achieve financial confidence, independence and peace of mind.

Increased Longevity

Women are estimated to live 5 to 6 years longer than men. This increased longevity means that their retirement savings needs to last longer. During those extra years, they may incur even more expenses. Health concerns may surface or the need for skilled care may arise. All of this amounts to increased expenditures during your later years of life.

Longevity that isn’t planned for can put a strain on retirement savings. Women should not plan on receiving or inheriting money from their spouse. With the declining availability of defined benefit pensions, people remaining unmarried or marriages ending in divorce, a monthly check from a spouse’s pension, may not be an option. Women need to plan for personal longevity because of this.

Break In Employment

It is not uncommon for a female to take a break from employment when children are being born and raised. Some women decide to quit their corporate gig and become a stay at home mom. Or… they trade in their higher paying job for one that offers more flexibility and better hours. This puts them in a position where less personal income is coming in. This has a significant impact on their ability to save for retirement.

Also, getting back into the labor market right where they left off can be difficult. After years away, technology, younger workers, more experienced workers, and industry changes can make this harder to do. Women taking a break in employment to raise a family may face these obstacles when trying to re-enter the workforce.

Life as a Woman Costs More

It doesn’t come as a surprise that females generally spend more in certain areas than men. The entire beauty and cosmetic industries are largely focused on women. Generally, women spend more on makeup, hair and skin care products. They generally spend more on clothing, shoes and accessories as well. The above expenses tend to occur on a much more frequent and recurring basis. Men don’t spend nearly as much on these.

Additional financial planning and budgeting can help reign in any excessive spending in this category. In most cases, even tightening the belt on some of these items may not solve the problem. Life as a woman… still costs more.

Women Are More Likely To Experience Independence

Whether it is due to outliving their spouse, being single, widowed or divorced, women are more likely to be the sole financial decision maker at some point in their life. This is another reason why it is important to have a financial plan that prepares for the future. In previous generations, women were accustomed to taking a back seat with finances. This is no longer the case. Today a proactive approach to future financial needs is always advisable.

Women May Earn Less Than Men

This is a long standing concern. Women statistically earn less than men. Women may take a break in employment which may hinder their salary growth, or they are less likely to ask for a raise which causes them to be treated differently compared to their male counterparts.

This may have a significant effect on their future financial situation. The good news is that both men and women have the same opportunity to prepare for retirement. The sooner you are able to start investing and planning for your retirement, the better prepared you will be. The longer you allow your money to grow and compound, the more stable your financial future will be.

In Summary:

All of these reasons need to be factored in when determining your financial plan. Woman tend to be challenged by these 5 concerns more often than men. Regardless of salary or marital status, the sooner and more focused women are to take control of their finances… the better off they will be.

If you have a mother, sister, daughter or friend that is struggling to find financial independence, feel free to give us a call. We specialize in helping women find clarity and solutions to reduce financial stress and simplify life. We can be reached at 716-662-4470.

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Some Feasible Options for Stansted Airport Transfer

Stansted Airport, which is located roughly 48km towards the northeast of Central London, is a hub of low-cost European carriers. In terms of passenger traffic, it is the fourth busiest airport in UK after Heathrow, Gatwick and Manchester. The good thing about Stansted Airport is that it is extremely well-connected with Central London by means of several modes of transports. Let’s take a look at some popular airport transfer modes.

Car- Unlike Gatwick Airport, where parking is a costly proposition, Stansted Airport has several cheap parking lots in its vicinity. You can choose anyone of them to park your car safely. If you have to catch a crack-of-dawn flight, the most feasible option for you will be book a reasonably priced airport hotel. A majority of overnight hotels offer exciting parking packages that can help you to save a lot of money.

Taxi- Taxi is the most convenient way to get to London Stansted. There are more than 500 companies providing first-rate taxi services at Stansted Airport. For a standard taxi, you will have to spend anything between £80 and £100. It will take approximately one hour to reach Central London, depending upon the traffic condition and the time of the day. At a slightly higher price, chauffeur-driven luxury taxis are also available. They are typically equipped with facilities as air-conditioning, Wi-Fi, Sat Nav, snacks, water, magazines and newspaper. You can book these taxis either by phone or by internet. If you have not been able to book the taxi in advance, don’t worry as it is possible to arrange for one at an appropriate desk at the International Arrivals Hall of the airport. Upon booking the taxi, the company will provide you the phone number of the driver. Use the number frequently to keep the parking charges to a minimum.

Bus- Terravision, Stansted Bus and easy bus are three major bus services that operate between London Stansted and Victoria Station and Liverpool Street Station. If you have time in hand, opt for easy bus. For as low as £2, you can reach Stansted Airport from Victoria Station. Terravision shuttle bus service is slightly expensive, but the time taken to reach the airport is lesser. The journey between Victoria and Stansted is completed in 75-minutes. However, the cost of the journey is £9.

Coach- Almost all major cities of UK are connected with London Stansted by long and short distance coach services operated by National Express. These coaches are available 24-hours a day, and they can be caught at various pick-up points.

Train- Beneath the terminal building of the airport, there is a station that is served by Stansted Express. Depending upon the time of the day, it runs every 15 to 30 minutes. In addition to Stansted Express, the station is served by other trains originating from Liverpool Station and the Midlands. If you book your train ticket in advance, you can save as much as 43 percent. This makes the train the cheapest mode of transportation.

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Healthy According to Lionel Messi

Who does not know Lionel Messi? Miracles in the world of Argentine football this star could glint, though arguably somewhat dimmed in the period 2013-2014. The appearance of stars who often called Leo is somewhat decreased throughout 2013-204. He only packed 41 goals throughout the season, the lowest record since 2008-2009.

He even failed to deliver Argentina to the 2014 World Cup champions after the German bent 1-0. In order to improve performance on the ground, this footballer changes lifestyle and diet. With the help of his friend, fellow Argentine Martin Demichelis, Messi met with Italian nutritionist Giuliano Poser.

The meeting agreed earlier this year, Messi routinely visited Poser and got a good nutrition recipe. «After the World Cup, something has changed for him, Messi knows what to change, he has the humility to make a change in his professional career since January, he looks stronger,» Poser said. Investigate a calibration, one of the causes of decreased appearance Messi due to his hobby eating pizza.

Barcelona attacker was also experiencing weight gain due to lifestyle and eating patterns that are less attention. In order to improve performance, Messi decided to reduce the consumption of animal-containing menu. Well, since following the direction of Poser, in a relatively fast time, proved his appearance changed drastically.

Physical rapidly changing his fitness fit throughout the game. «He changed his diet, did not eat processed foods and replaced them with foods rich in vitamins, minerals, fibre contained in grains, fruits, vegetables, fish and olive oil,» Poser said as quoted La Gazzetta Dello Sport. Apparently, not just Messi who became a client Poser.

Manchester City striker, Sergio Aguero, also adopted the diet advocated by Poser. «We (Aguero and Messi) are undergoing a normal nutritional examination to check the condition of the body, he recommends food to improve our physicality, I am happy because it is important to look at the body and know what I want,» Aguero said.

No one denied the fact that Lionel Messi is the best footballer at the moment. Behind the performance that good, FC Barcelona star has a good diet.

In order to perform well on the pitch, Messi runs a diet program. There are some foods that must be consumed every day, but some are forbidden.

Dietician Messi, Giuliano Poser, revealed that sugar became one of the strikers petty striker with the nickname La Pulga it.

«Sugar is the worst thing for muscles,» Poser told Mundo Deportivo.

According to Poser, sugar contains many calories that can damage the body’s metabolism and interfere with muscle development. The more Messi away from sugar, the better.

In the meantime, there are 4 mandatory meals on Messi’s diet menu list. Is that?

«Water, good quality olive oil, grains, and fresh fruits and vegetables that are not contaminated by pesticides, therefore can cause massive damage to the body,» Poser said.

«My method is unquestionable – everyone can see how Messi looks from week to week,» Pose said.

A healthy and balanced diet leads Messi to the top of his career. At the age of 28 years now, the captain of the Argentina national team has already bagged 7 La Liga titles, 4 Champions League and 5 Ballon d’Or trophy.

Only one event that has not been conquered Messi, namely the World Cup.

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