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When it comes to personal finances, some statistics surrounding women and their financial futures can be shocking. For example, the National Center for Women and Retirement Research reports that 75 percent of women are widowed at an average age of 56, and 25 percent of those women are financially broke within two months of being widowed. Further, they report that only 41 percent of women participate in the 401(k) plan offered by their employer, and 87 percent of elderly Americans in poverty are women.
“Women are often involved in paying the bills and balancing the check book, but it’s scary how many women let the man take the driver’s seat when it comes to investing and planning for the future,” explains Samantha Fraelich, Certified Financial Planner and Vice President of Bernard R. Wolfe & Associates, Inc., a company specializing in offering wealth management strategies. “Life throws us curve balls and we need to be prepared to take action if the worst happens. Otherwise, in the middle of what can be an emotional or upsetting time, we become frozen in fear. We’re unsure what our next step should be, and wondering who we can trust to help us move forward.”
Here are five steps that every woman should take in order to protect herself:
1. Take the driver’s seat. Skip relying upon someone else to worry about retirement or financial planning. If you haven’t in the past, get involved in the conversations regarding your personal finances.
2. Think emergencies. Every woman should have an emergency fund in place. Even those who feel secure in their career or relationship can, at times, find that financial emergencies arise. Whether it is an unexpected medical bill, a divorce, or some other complication, an emergency fund will help soften the blow.
3. Take care of yourself. Single women of working age, for example, may want to have disability insurance in place, since they may not have someone to fall back on if something prevents them from working. Long Term Care insurance can potentially help to reduce or eliminate having to depend on children or anyone else to take care of you if or when you can no longer take care of yourself.
4. Be realistic. Have an honest conversation with yourself about what you can afford to spend and what you’re currently spending. If you spend more than you make and don’t save enough, poverty is the most likely outcome. Once you get control of your budget, make a plan to save for retirement because social security alone will not be enough to live comfortably.
5. Ask an advisor. Whether women can’t find the time, or are intimidated about the process, it’s important to take the time to find an adviser who you can feel you can trust and makes you feel comfortable. Try to find a certified financial planner, since they are held to higher industry standards in regards to education and experience. You can visit to find one in your area.
“It is really important for women to take their own steps to help ensure their financial future,” added Fraelich. “The process can be very empowering and potentially rewarding as they realize the benefits and the sense of security that it can bring.”
Samantha offers securities and investment advisory services through NFP Securities, Inc. Member FINRA/SIPC. Bernard R. Wolfe & Associates, Inc., has provided financial management strategies and investment services since 1981. They assist a wide range of private and corporate clients with everything from retirement planning and investments, to divorce and estate planning.
About Bernard R. Wolfe & Associates, Inc.
Bernard R. Wolfe & Associates, Inc., founded in 1981, provides experienced wealth management strategies and institutional investment services. The company is led by a team of certified financial planners, professionals who have over 65 years of combined experience in the field. The team provides professional financial planning guidance to a diverse range of personal and corporate clients. To learn more about Bernard R. Wolfe & Associates, Inc., visit the website at.
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Source:
PBS. Women and Investing. < >
Women’s Media. Investing Wisely: What Women Need to Know. April 2011. <>
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Fresh Healthy Vending, the company that revolutionized the vending machine sector, announces a new franchisee in Richmond, Va. Tricia Harper, David Hetherington and Chris Schroeder have purchased the healthy vending franchise and are in the process of selecting locations where each machine will be placed. With limited opportunities available, those who would like a vending machine placed in their facility will need to act quickly.
“We are happy to bring fresh vending to Richmond, Virginia. People are ready to embrace this as a way to obtain healthy food on the run,” explains Jolly Backer, chief executive officer of Fresh Healthy Vending (www.freshvending.com). “Those who get one of the vending machines in their facility will find that they do well simply because of what is offered.”
The Fresh Healthy Vending placement in Virginia joins over 1100 other machines that have been established throughout the country. The machines will be offering a vending selection that is completely stocked with all-healthy foods and beverages.
Aside from the monetary benefits of hosting a vending machine, it also provides access to healthy snack and drink options, which will help keep minds and bodies in better shape. This in turn helps to eliminate the junk food, which is associated with causing obesity, higher absenteeism, and higher medical insurance rates. New workplace wellness programs are now in place all across the U.S in companies to promote healthier lifestyles.
“This is a great way to offer people some healthy food,” added Backer. “Increasingly people are becoming aware of the importance of eating healthy, prompting them to make more nutritious food choices, even on the run.”
The vending machines are stocked with such items as soymilk, yogurt, fresh fruits and vegetables, and a variety of other nutritious options. For many, this comes as a much-needed tool in helping to combat the obesity epidemic. It provides people with healthy options, without having to the time to shop or prepare them, which is often a complaint people have about eating healthy.
The vending machines make a good fit for such places as middle schools, high schools, office buildings, hospitals, college campuses, health clubs, shopping malls, and a variety of other public venues.
Locations where the Fresh Healthy Vending machines are currently being placed:
· Richmond Ballet – Richmond, VA
· Union Presbyterian Seminary – Richmond, VA
· Children’s Museum of Richmond – Richmond, VA
· SPARC – Richmond, VA
· Gym Quest – Richmond, VA
· Richmond Volleyball Club – Richmond, VA
· Chesterfield Employment Services – Richmond, VA
· Adult Career Development Center – Richmond, VA
Those interested in learning more about having a Fresh Healthy Vending machine placed in their facility can find additional information at www.freshvending.com.
About Fresh Healthy Vending
Based in San Diego, Fresh Healthy Vending is a company that started in 2010 and is revolutionizing vending machines by filling them with healthy, natural food options. Dubbed the “future of vending,” they are leading the way in healthy food vending. Their machines offer 100-percent juices, fresh vegetables, fruits, smoothies, and yogurts. The Fresh Healthy Vending machines are franchised and are being placed in schools, offices and other locations throughout the country. To learn more about Fresh Healthy Vending, visit the website at www.freshvending.com.
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EDITOR’S NOTE: Interviews and photography are available upon request.
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