Articles about self
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‘Investing in themselves’: Single female homeownership is booming in New Orleans

Kayci Dickerson knew early on that she would never pay rent.


Dickerson, who grew up in St. Rose, watched as her friends cycled in and out of apartments in the city and suburbs. They spent way too much money on lackluster places, she thought. They dealt with absentee landlords. “It seemed like they were trapped,” Dickerson said.

She chose another route. She stayed with her parents and worked, at one point holding down two jobs as a Walgreens manager and TSA officer. She picked up extra hours and weekends whenever she could. She socked away one salary, and spent frugally with the other. At 29, she purchased her first home, a new-build, three-bedroom ranch home in a quiet Marrero development. It was tough, but it was important to her.

For a long time, homeownership has been seen as a rite of passage after getting married. That was the case for Dickerson’s parents. Many of her friends expect the same. That didn’t sit right with Dickerson.

If you can buy a home by yourself, she asked, why wait? Dickerson’s story isn’t conventional, but it’s increasingly common, and nowhere more so than in New Orleans.

Single women are now the country’s second largest group of homebuyers, buying up property at twice the rate of single men, according to data from the National Association of Realtors. That’s due in part to millennial women buying their first homes. But young Baby Boomer women are even more apt to jump into the market solo. In 2018, one in four buyers ages 54 to 63 were women, NAR reports.

www.nola.com
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Here's What Millennial Women Need To Know About Money And The Pay Gap In 2019 #genderpaygap

“My generation failed you. Completely failed you,” said Ellevest CEO Sallie Krawcheck. “We played the game the way it was laid out.”


Equal pay is a big issue, and it’s even the subject of a bill that recently passed the House and is now in the Senate. Women in the US still earn about $0.79 for every $1 a man earns, on average, according to estimates in a new Glassdoor report. The Pew Research Center estimates it to be $0.85. And while the gap is narrower for millennials than it is for older workers, women ages 25 to 34 still earn 86.8% of what men their age earn (it’s 80.1% for women ages 35 to 44), according to the Bureau of Labor Statistics.

The point is, the gender pay gap still exists for young adults, and it’s is even wider for women of color. And this, according to Sallie Krawcheck, CEO of the women-focused digital investment platform Ellevest, is precisely why women need a tailored approach to managing their finances and investing. Krawcheck, previously dubbed the most powerful woman on Wall Street, launched Ellevest in 2016, which “uses an algorithm that accounts for gender differences related to women’s pay, career breaks, and lifespan.” Unequal pay perpetuates a gender investing gap, she said.

For one, “The retirement savings shortfall is a female crisis. We retire with two-thirds the money of men,” and yet women have a longer life expectancy, Krawcheck said at a Women’s History Month event hosted by BuzzFeed in March. That’s a long-term concern, but a real one.

www.buzzfeednews.com
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Why women will fall short in retirement, even if they wait until age 67

Saving more money during your career is only part of the solution. Women must also invest their savings to take advantage of compounding interest over time.


Women hoping to retire by age 67 face a tough choice: sock away more cash now or delay retirement even further.

Those were the findings from a recent survey by Aon. The retirement consulting firm analyzed the 2017 records of 1.3 million individual savers, along with data from the Bureau of Labor Statistics.

About 7 out of 10 women participating in the survey will need to overcome significant shortfalls in order to retire at 67, Aon found. Their savings will be short by at least twice their salary.

Female employees are less prepared for retirement because they not only earn less than their male counterparts but also have a longer life expectancy, said Grace Lattyak, associate partner at Aon.

www.cnbc.com
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The Financial Challenges of Women in Transition

Women in transition face many unique financial hurdles, from divorce to selling the family home.


CATHY WAS 60 YEARS OLD when her husband left her for another woman. It seemed a fate too cruel to be true. She'd dedicated her entire adult life to her family, only working briefly as a teacher once the kids were grown. And now, after 33 years of marriage, she was alone.

When she came to Sonya Ranker, a certified divorce financial analyst and certified financial planner at Questmont Strategic Wealth Advisors, Cathy broke down crying in the middle of their meeting. Like so many women going through major life transitions, she struggled to come to grips with the new turn her life had taken.

"Women have this idea in their mind of what their life is and what it'll look like in the future, and whether it's divorce or becoming widowed, that vision has been shattered," Ranker says. "Their life is no longer what they thought it was going to be. Now they have to mourn for that life while starting fresh on the new one."

The financial industry has given these women – women whose lives have been upended by events often beyond their control – a name: They call them "women in transition." And mourning the loss of their former life is only the start of the challenges women in transition face.

money.usnews.com
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6 Daily Habits to Create Financial Success in 2019

Your daily habits control whether you get ahead or fall behind financially.


If you're struggling financially or just want to achieve more challenging financial goals this year, make tracking your income and expenses a habit.

If you're making New Year's resolutions, you've probably thought about your finances and habits to adopt or drop this year. The difference between getting ahead or falling behind financially usually comes down to small actions you repeatedly do.

If you want to create more financial success in 2019, try implementing these six daily habits.

money.usnews.com
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Is Your Mother, Wife, Daughter Investing? Are You?

Why Women Need to Start Investing Now


Dear Readers: My last two columns have focused on what are, to me, two very important topics: the importance of investing and how investing in a 401(k) is one of the easiest and most accessible ways to get started. Historical statistics and personal experience with all types of investors leave me with no doubt that, over time, investing in stocks can be one of the best ways to grow wealth and achieve financial security.

"OK," you may say, "I get it." But a recent Schwab financial literacy survey of the money attitudes of young adults demonstrated that there's one group that still has a long way to go in "getting it" — women. And this, as you might imagine, disturbs me greatly.

According to the survey, young women were half as likely as young men to have an investment account. That's not to say the women surveyed weren't interested in finances. They worked several jobs, saved, paid off debt and saw the importance of a financial plan. They just didn't invest. So, why is this?

www.creators.com
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5 Things Mentally Strong Women Know

Mentally strong women are made--not born.


I spend most of my time talking about the bad habits that rob people of mental strength. In my latest book, 13 Things Mentally Strong Women Don't Do, I identify the unhealthy habits that women are most likely to engage in.

But it's also important to talk about the core beliefs mentally strong women possess. Those beliefs guide their decisions and help them stay strong in tough situations. Here are five things mentally strong women know:

1. Societal pressures encourage women to engage in unhealthy habits.


Gender norms, cultural expectations, and the subtle ways girls are treated differently than boys play a role in women's perceptions of themselves and the world. There's a lot of pressure on women to "be" a certain way--like beautiful, polite, and quiet.

Mentally strong women recognize these pressures and they understand how these factors can lead to unhealthy habits--like social comparisons, toxic self-blame, and downplaying their success.

www.inc.com
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Investing Opportunities For Women Which Have a Big #Impact #ImpactInvesting

By choosing investments carefully, a woman has the potential to both support herself into her retirement years, generate passive income that will help create a stable living situation, or invest capital in such a way that it will help with educational or other expenses for herself or others.


Over their lifetimes, women make less money than men. This is, in large part, because of the overall wage gap; Hispanic women make around $0.63 for each dollar that a white man makes; Black women make slightly more at about $0.68, and white women are closest to equality with $0.81 to the dollar.

Combine that with the fact that women tend to live longer than men, and it’s obvious that women are going to struggle financially more than men do, especially at the end of their lives.

Smart investing is one way to make up the difference and improve financial quality of life during retirement. How can women find investing opportunities for women which have a big impact?

The first, and most important step of building a strong investment portfolio is to become educated about investments. You need to know the differences between stocks and bonds, how dividends are paid, passive and active income, and how all of these different things will be taxed over time.

This helps you to make sure that you get the right money in the right place at the right time. Don’t be afraid to ask financial advisors questions. If they seem irritated or frustrated with your questions, find another advisor. They work for you, after all.

www.equities.com
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Americans Are Saving Over 100K in Retirement Savings, With Women Leading the Charge

Retirement account balances have not only bounced back from 2008 lows but are at an all-time high.


If you were old enough to remember the Great Recession of 2008, you likely watched the stock market plummet, had a hard time finding a job and saw your parents’ retirement savings evaporate, in many cases, overnight. But 10 years after the crash, the economy is looking better than ever, and so are retirement account balances.

Average retirement account balances reached record highs this month and have nearly doubled in value over the past decade, according to a recent report from Fidelity Investments. The average 401(k) balance is at an all-time high of $106,500, and the average IRA balance increased to $111,000.

In fact, there are now 41% more 401(k) and IRA millionaires than there were last year, with 187,400 people sitting on seven-figure balances in their retirement accounts.

Retirement account balances will typically be a lot higher if you’re nearing the end of your career. But that doesn't mean your parents and their generation are the only ones with cause to celebrate.

Contribution rates for female investors reached a record high of 8.5% of their salaries. And Fidelity reports millennial women are leading the charge, with this group increasing their IRA contributions by 19% since last year.

www.valuepenguin.com
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Why Women Should Consider Employee Stock Options

Employee stock options can be an extraordinary wealth builder.


If you’re a woman executive, it’s extremely important for you to understand the power of owning equity in a company and its ability to create great wealth. According to The Carta Study, women own just 47 cents for every dollar that a man owns in equity. Stock options give you the right to purchase your company’s stock for a set price at a future date during a specified buying window. The company’s board sets the exercise price based on the fair market value.

Whether you’re a leader at a start-up or a senior executive in a Fortune 500 company, you should negotiate stock options as part of your overall compensation package. Stock options or shares are awarded not only to employees, but also to directors, advisors and consultants. They’re an extremely popular method of attracting, motivating, and retaining talent, and a way for a company to dispense rewards without having to pay out cash.

How Stock Options Work Don’t leave any compensation considerations on the table. The benefits of stock options can completely change the financial legacy for a woman and her family. Here’s how they work:

A company hires you. As part of your employment package, you negotiate that the company will grant you stock options to purchase 10,000 shares of its common stock at $1 per share. This is the company’s current share market value as of the date options are given to you.

www.nasdaq.com
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Why Female Entrepreneurs Should Join Women's Networks #womenentrepreneurs

Being an entrepreneur can be lonely, hence meeting other women who understand you, both professionally and personally, can make a difference to your business’ success.


Do we really need women's networking groups? Only a few years ago it was claimed that attending networking events was ineffective. There was too much conversation and not enough actions. This view is now outdated, with a recent Facebook study revealing that female founders who are part of a business community are twice as likely to forecast growth, compared to those who are not. Furthermore, female entrepreneurship in Britain is growing and the proportion of women going into business has risen by 45 per cent in the past decade. According to the Centre for Entrepreneurs, for the Under-35s 38% of serial entrepreneurs are women, suggesting that young women are becoming more entrepreneurial.

This surge in female entrepreneurship has resulted in a need to meet, share and learn from fellow business women. As a result, several new female-only networks has launched in recent years, to cater for the younger, entrepreneurial generation who want connections and real tools for their startups. Being part of a network can boost your confidence, give you inspiration, support and advice. Importantly, it can give you vital business exposure and access to funding.

Anna Morrogh, cofounder of women's network Congress London, states that women want to both help and learn from each other, and joining a network gives the opportunity to do both. Congress London hosts bi-monthly large group events for women across all industries with sessions from trained coaches and experts alongside drinks and networking. These events have been on topics such as negotiation skills, investing and presentation skills. The network also meets across London in smaller groups every other week to discuss recent topics and coach one another in a more intimate setting.

www.forbes.com
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3 Everyday Tools For Women To Become Better Speakers

Take advantage of daily opportunities to speak. Speak to one person at a time. Pause and breathe.


The communication skills men and women need to succeed in the workplace are exactly the same. That’s according to Allison Shapira, CEO/Founder of Global Public Speaking LLC, who says that when women lack these skills, it holds them back in the workplace disproportionally. The advantages of having these skills are the same, but the costs of not having them are greater for women.

Shapira references one of her female investment banking clients to demonstrate her point. A managing director in her firm, the client said, “There are plenty of male leaders who lack communication skills. There’s not a single woman leader in this firm who lack these skills. You cannot make it to the top if you’re a woman without these skills.”

Released today, Shapira’s new book, Speak With Impact, beautifully strikes the balance between a strategic how-to guide and an enjoyable read full of engaging anecdotes from Shapira and her clients.

www.forbes.com
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How to Pay Off Your Mortgage Before 40

Find financial freedom by paying off your home early


I just paid off my home mortgage last month, one month before my 40th birthday. Sound surreal? It's not. You can do it too. Find your financial freedom in your 40s by paying your home mortgage off early too! Here are the strategies I used to pay off my 30 year fixed rate mortgage early...

1. Don't Carry Credit Card Debt


The first step in this early mortgage payoff journey is all about being fiscally responsible. Don't buy more than you can afford. Don't carry a balance on your credit cards. Pay your credit cards off every month. If you already have credit card debt. Stop overspending and start paying it down. The best thing to do is not get into that position in the first place, but if you are already starting from a negative position, it might make this a little harder.

2. Rent an Apartment that Allows You to Save


This next step might be a little hard to swallow, but don't go out and rent the best apartment you can afford. Rent an apartment that is a little below your means. This will allow you to start saving for the down payment for your house. If you rent an apartment that's just below what you're earning, you won't leave any money leftover each month for your house. If you have another means of making your monthly rent cheaper, like sharing an apartment with a roommate - go for it. The less you spend on that monthly rent bill, the more money you'll have left to put in your savings account for your house.

3. Don't Waste Too Much Money on Rent


This one is a little tricky, but it's important to get it right if you want to pay off your mortgage before 40. You want to stay in an apartment long enough to save up your down payment, but you don't want to stay in an apartment too long because you really are just throwing that money away (or really just putting it into someone else's property and pocket). So the sooner you purchase a home, the sooner you can start putting your money into your own property (and the sooner you can pay it off).

4. Buy a House that Costs Less Than You Can "Afford"


This step is key in being able to pay off your mortgage before 40. If you buy the most expensive house that your lender will let your purchase, this strategy won't work for you. If you get approved for a $450K loan, don't buy a $450K house, buy a $250K house. If you get approved for a $250K loan, buy a $150K house. If you get approved for a $750K loan, buy a $500K house. You get the point. Don't buy the most expensive house you can buy, buy something that's a bit less costlier than the bank thinks you can afford. (This will help you with #7 later.)

5. Put Down a Decent Down Payment


You want to have a good down payment to put into your home, since that will jump start your payoff process, but the thing you are really trying to avoid here is PMI (private mortgage insurance), basically the insurance you're required to pay when your down payment is too small. Typically you need at least a 20% down payment in order to avoid PMI. There are some other creative options in avoiding PMI, like taking out 2 loans for instance. Talk to your mortgage broker about what all your options might be to avoid PMI. You really need good credit to have all of the best options in this case. (That's why #1 is so important.)

6. Get a Good Interest Rate


Got a favorite bank you really love? Forget them. The best way to get a good interest rate for your home loan is with a mortgage broker. Mortgage brokers will shop your loan to all of the banks to find the very best interest rate for you. They can also keep you apprised of the mortgage rate on a daily basis (since it fluctuates) if you are looking for a slightly lower rate than what is available today. Trust me, tenths of a point will matter on how much you pay for your monthly payments (especially since you are financing your home for 30 years)!

7. Pay More Than the Monthly Minimum


This step might be a little hard at first since your income will be pretty close to what you can afford, but if you listened to step #4, you should have a little extra money each month. If you ended up getting two loans, put all of your extra money each month into paying off the smaller loan first, then work on the larger loan. Let's say you have just one loan. If your mortgage is $800 a month, try to pay $1000 a month instead (just pretend that's what your payment is so you don't have an option to not pay it). If you can't afford $1000 a month, make it $900 a month. Pay more than your actual mortgage every month. This in an of itself will literally shave years off of your mortgage. If your mortgage is $1100, pay $1500 every month instead. If you can't afford $1500, pay $1200 every month. The point is to set a realistic number that you can afford, and just commit to paying that higher monthly payment every month. As your income increase, commit to paying a little higher payment each month.

8. Refinance to a Shorter Term (and Better Interest Rate if Possible)


After you've had your mortgage for a few years, you may be able to afford an even larger monthly payment. If so it might be a good time to refinance your loan down to a shorter term (assuming the interest rates are still good - or maybe lower than your original loan). If you can afford the higher monthly payment and the interest rates are just as good or lower than your original 30 year loan, you could refinance your mortgage into a 15 year mortgage, or a 10 year mortgage. I actually refinanced mine down twice. If the interest rates are not favorable (better than your first loan), this would not be a good option. Instead just continue to pay a higher monthly mortgage payment as your income increases to continue shaving years off of your mortgage.

www.womeninvestorsdaily.com
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12 reasons women need to close the Financial Literacy Gap

A review of research from over the last six years points to a persistent gender gap in both financial and investment understanding.


Research supports Her Wealth’s observation of a gender gap in financial knowledge.

A review of research from over the last six years points to a persistent gender gap in both financial and investment understanding, according to a recent article by Gary Mottola of the Financial Industry Regulatory Authority (FINRA) Investor Education Foundation. In his article, Mottola concluded that “women consistently score lower than men on financial literacy measures, and this gender-based gap may negatively impact women’s long-term financial well-being.”

This research was based on data from the foundation’s National Financial Capability Study (NFCS), which posed five basic financial literacy questions and tabulated the answering success of women versus men.

Results showed that both millennial and older women underperformed men in answering these basic questions. The study also found that women are more likely to register “don’t know” answers to these questions: On average, between 25 and 36 percent of the time, women admit that they don’t know the answer to a question.

www.wtop.com
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How This One Surprising Solution Could Close The Funding Gap For Female #Entrepreneurs

Women investors were overwhelmingly more likely to buy stock in a company that promotes pay equity (91%), has diverse leadership (90%), demonstrates commitment to environmental sustainability (87%), and offers employees three or more months of family leave (85%).


When it comes to equal pay, sometimes the quickest step forward is to become the boss. Such is the case when women decide to launch their own businesses, and despite setbacks for women, a recent study shows that women small business owners are optimistic about the future. In fact, an overwhelming majority reported that conditions have improved for women-owned businesses to start up and succeed in the last decade. This is according to the 2018 Bank of America Women Business Owner Spotlight, which was released last week. The third annual report tracks the experience of small business owners across the United States, revealing that women entrepreneurs are leading men in adopting mobile and other advanced technologies to build their businesses. The report also suggests one surprising solution that women entrepreneurs want more of: gender-blind financing.

When compared to last year's findings, women entrepreneurs are much more confident about revenue prospects for their businesses (58% versus 44% in 2017), their plans to staff up (21% versus 19% in 2017) and the possibility of their business growing (56% versus 54% in 2017.)

At the same time, overall confidence in the economy is on an upward trend. A near majority (49%) of women business owners are confident that their local economy will continue to thrive, up from 37% in 2016. That optimism is also seen in perceptions of national economic changes as well, up to 48% versus 25% in 2016.

"We know in 2018 that disparities still exist when it comes to equal pay and women’s representation in the C-suite. However, there is also incredible long-term optimism among women business owners that they will be able to level the playing field over the next two decades," said Sharon Miller, Head of Small Business at Bank of America. Miller noted that this year's report findings match a similar finding in the 2017 report. That report found a strong belief that business ownership is a path towards matching or exceeding men in holding C-suite and executive leadership roles.

www.forbes.com
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5 investing resources for women #Ellevest #She_Spends #SavvyLadies #WifeDotOrg #WISERWomen

Women’s Equality Day is Aug. 26., but many women are still being paid less than men.


The Institute for Women’s Policy Research (IWPR) reports that women are paid 80.5 cents on the dollar compared to men. The inequality is even greater among Latinas and black women.

How does that add up? IWPR estimates that the wage gap will cost millennial women, with the same education and job opportunities as their male counterparts, $1,066,721 over their lifetime.

That money missed out could be funneled into one of the most crucial aspects of financial wellbeing: retirement funds. And while 61 percent of Americans are gambling their futures by not knowing how much money they’ll need for retirement, unequal pay puts women even farther behind.

www.bankrate.com
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Investment tips for women from Sygnia CEO Magda Wierzycka

In celebration of Women’s Day, I thought I would put down 10 investment tips I wish I had been given when I turned 23 years old and first started working.


Investment tips for women from Sygnia CEO Magda Wierzycka, a South African billionaire businesswoman. She is the co-founder and CEO of Sygnia Ltd, a financial services company. She is also the richest woman in South Africa.

1. Never depend on a man for your financial well-being

Being financially independent matters a lot in today’s world of relationship uncertainty. To reach that goal you need to start saving early and arm yourself with some financial knowledge.

2. Save for specific financial goals

Having enough money to educate your children, saving up for a rainy day or being able to buy a flat are more meaningful than outperforming the competition. Segment your savings into pots and never be tempted to dip into them.

3. Start saving early in life

My rule of thumb has been to save 20% of my monthly income from the first day I started working. I trained myself to think about my income as being 80% of what I was actually earning. Out of sight, out of mind.

www.fin24.com
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Many of the Best Wall Street Jobs for Women Aren’t on #WallStreet

Women who want to manage money seem to be having better luck doing it someplace other than Wall Street.


U.S. firms with the highest share of female portfolio managers are located thousands of miles from Manhattan, according to new Morningstar Inc. research. Dodge & Cox and Charles Schwab Corp. -- both with headquarters in San Francisco -- are top ranked at 30 percent and 28 percent, while Franklin Resources Inc., with $724 billion in assets as of June 30, is tied for the third and based in nearby San Mateo, California.

Academics, consultants and some of the women entrusted with investing these companies’ trillions say the reasons include deeply rooted old-boy networks, ineffective recruiting, lack of mentoring and an absence of mid-career on-ramps for women who leave to care for children in the industry’s Northeast corridor.

“In ranking them, you do see quite a few firms based outside of the traditional Wall Street world, where perhaps firms have had better luck developing more women managers or it’s been more of a priority,” said Laura Pavlenko Lutton, Morningstar’s director of manager research practice for North America.

www.bloomberg.com
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Where Did All The Female CEOs Go?

The real issue is why are there not more women CEO’s, not why are women CEO’s leaving.


The number of women leading the largest companies has always been small. Out of the Fortune 500 today, women CEO’s number just 24, down from 32 a year ago. These numbers are just too small to extrapolate a meaningful trend. The issue is why are there not more women CEO’s, not why are women CEO’s leaving. While a 25% drop sounds significant, per Equilar, women CEO’s depart at the same rate as male CEO’s. The number of women leading companies in the Fortune 500 had grown to 6.4% last year, a record high, from 2.6% a decade earlier.

Pepsi’s CEO Indra Nooyi who announced her retirement this week, was trained to be a CEO/leader by her Mom. Growing up with dinner table discussions on what she would do if you were the prime minister? This inspired her to believe she could lead.

To increase the number of women CEO’s, mothers/fathers should encourage and challenge their daughters to believe they can lead. Women need to own their career curation in a purposeful way. Make a 5 or 10 year plan of how you aspire to reach your goal, whether it’s as a senior exec or CEO. If you want to be CEO identify the milestones and steps to make yourself ready by starting with owning and stating your goal to be part of the pool of senior execs on the succession path. Identify the key decision makers both in the company and on the board who are part of CEO succession selection and articulate your goal and ask for clear feedback on what you need to do to be considered “ready.” Don’t be demure waiting for an invitation. Often it’s critical that you are in a “line” revenue producing function, not merely a staff role, so you may need to ask for broader general management rotation opportunities.

www.forbes.com
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Make Those Money Moves: How Millennial Women Can Invest Without Having A Lot Of Cash

The game of wealth has never been about making money and spending it. It is about making money, and growing it.


The revolution continues. and millennial women continue to venture into entrepreneurship and excel at their professional careers. We are working extremely hard and we are increasing our earning potential while doing it. As we continue to progress, we must value our money just as we value our success. Too often, we are saying, “Where does my money go?, “Am I spending too much?”, or “Why do I always feel like I never have money at the end of the month?” These are the negative questions we constantly ask ourselves and that must change. Instead, we should be asking, “Is my money working hard for me, or am I solely working for it?” It’s time for us to elevate our level of thinking. The game of wealth has never been about making money and spending it. It is about making money, and growing it.

By changing our outlook on money, we can develop an investor’s mindset over. a mentality that is focused on consuming. Investing is what creates true economic power, and it is a great avenue that is used to reach financial prosperity. We can no longer use the “I don’t know how to invest”, or the “I don’t have money” excuse. It is an old way of thinking, and it will, by no means, help strengthen the communities we come from. It is time to focus on taking the necessary steps, so if you are someone who doesn’t have much money, but wants to invest, here are three ideas to consider.

www.essence.com
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