1. Age usually longer.

A survey showed that women age usually longer than men. This will also happen to you, ladies. The longer you live, the greater the amount of your pension fund should be prepared to finance your retirement. Unfortunately, there are very often women who must give up his pension money is shrinking due to be used to pay the health costs of their husbands according to the survey have a shorter period than women.

2. Average Income Women Less.

In a company, management position usually has higher salaries than existing staff positions below. This naturally happened. Now the question is how many occupy management positions? The answer is: men. The position of director, for example, is still mostly dominated by men. There are also with various other positions within the management structure of a company.
It’s in the world of work. In business, a woman usually are pretty, yes more afraid to take risks in business than men. Automatic, men usually have the potential to earn more than women, because they are more willing to take risks. But a woman will usually be more pleased if was in a secure position (read: give fixed salary). So automatic salary increase they actually based on rules in the company. Different from those who dare to run their own businesses, so they can have the possibility to obtain larger income and it usually owned men not women.

3. Women More Often Stopped Working.

Yes, women are more often in and quit my job than men. There are lots of reasons. One of them is if they give birth, or when they want to raise their children down for 2-3 years. Automatically, they will take leave, and not working. Thus, their opportunity to be able by overtake another colleague to get a higher position to be delayed. Delayed position, means delayed also the opportunity to earn higher salaries. It can be imagined if a woman gave birth to four times.

4. Women More Often mutually Work.

Because more often stop working, women usually become more frequent mutually jobs than men. A woman who quit her job because of childbirth, for example, typically do not necessarily want to go back to work again in the same company after he was caring for her child for two or three years. Let alone a woman who are married and have children, now only I know a single woman who was aged 26 years, but has already moved the work up to 4-5 times. How about when he married?

5. Regulations that disadvantage women.

Many companies in Indonesia that still give different wages for men and women who occupy the same position. This may be based on the consideration that men take the lead families who bear the cost of living, so naturally when he receives a larger wage. But the result, with a smaller amount of wages, will generally be difficult for women to save money in larger amounts for retirement preparation.

6. Often if the husband had to succumb to Move Work.

During this time, if a husband should be relocated (move work location) to another city, then often beat his wife, such as ways to quit his job. We never heard that when the wife had to handle company business, the husband has to sacrifice his jobs. This naturally happened, given the men which usually bear the cost of family life. However, this would obviously make the possibility of a woman to stop working, or replace a new job becomes larger. This means, their opportunities to obtain greater income to be delayed, so that their opportunities to save money with a larger amount to be reduced.

Well, ladies and gentlemen, from the writings of the above, it can be concluded that women have more ‘barrier’ when he was still working. In fact, women age usually longer than men, so women need more money for retirement later. Therefore, if you’re a woman, you need to pay attention to a far greater impact your retirement preparation, compared to men. Hopefully this article can be enough to motivate you. Handle Money.

1. There are many various of calamities that can cause financial loss can occur without predictable when it will be incurred. Accidents such as illness, accidents, car accidents, fires in the home, death are events that often can force you to spend some cash in large enough quantities of the blue. You have cover financial losses incurred due to this disaster by taking insurance, still a number of cash funds should be available. Treatment and hospitalization costs in the hospital, pay the cost of automobile repair, home repair by fire, or to pay funeral expenses, typically must pay first at the front. These payments are often delayed until the process can not reimburse or insurance claims and paperwork completed.

2. Is it unpleasant to our employees could lose jobs due to Termination of Employment or dismissal. Unfortunately layoffs could happen to anyone, including you. Maybe you will get a severance package, but just enough for a few months, when looking for a job is not easy. If they have to severance, otherwise the situation could become even more complicated. If you’re an entrepreneur, then you would know that the business could go bankrupt and stopped operating income. To deal with situations like this it takes a certain amount of cash reserve fund that can cover expenses for a family yet earn a return

3. Some incidence of unplanned expenses such as gifts, donations, holiday, expenditure incur and occasional non-routine nature. These expenditures are often unpredictable when it will be incurred. The problem is our income is usually spent on routine expenditures and can seldom providing for expenditures not routine. With the existence of a reserve fund, the expenditures are not routinely paid off without having to disturb the monthly budget.

No matter whether your financial condition is stable with good career and high salary, whether you are entering retirement age, or if you are young and just starting a career, so whoever you are and however your current financial situation. You should still have some reserve funds and it’s good for handle money. Aim to establish this reserve fund is that you do not trouble to finance expenditures that are emergency or emergency, fund families if the family income is spending a sudden halt because of layoffs, and pay no other routine expenditures.

Teaching money kids is good lesson that will develop their personality. This lesson is not learn from school, but the family will teach them and guide how to used money properly. There are 5 things you should know about how to teaching money to children about money management:

1. Consider to Manage Their Allowance.
By providing a regular pocket money when he was left alone at school, will inevitably arise a sense of independence in children. This means that your child will be able to determine for themselves. What would he buy and what will not he bought at his school on that day. When children sit still in kindergarten or elementary school, providing the most appropriate frequency is daily. This is because children are usually not ‘can’ hold large amounts of money. By giving daily, he will think how to spend their allowance for that day only. Only when children have entered the junior high level, you can start giving pocket money weekly, then monthly when she entered high school and college.

2. Invite Children Working to Get Extra Allowance.
This is good to develop their thoughts that if you want some money then you will do some work. There are jobs that he should do at home where he will not get the money, like helping to wash dishes or sweep the floor of the house. Embed told him that if he did not wash the dishes, then he can not eat anymore because there are no clean dishes. Or if he does not sweep the floor, then the house in which he lived would be dirty, and so on.
However, there is also work that can be done to get money.

You could try taking the children to collect old newspapers, and sold it to former newsboy who passes in front of the house. Or, you can encourage him to collect the goods and sell them.

After that, let the children who received the money from those sales to supplement his pocket money. Just keep in mind, this kind of work should be done with your guidance. That is, the child will do it first of all if you ask first. The purpose of lesson will be embedded in their minds that in order to be able to get the money, someone has to work.

Especially for jobs which can bring money, you have to bait him to a child would. The trick is to arrange regular pocket money that you give. No need is too great, because children will no longer thought to try to increase the pocket money he had. But also do not give the allowance is too small, because then the child will be too much ‘work’ and can-can forget his learning.

3. Invite Them to Saving Money.
Do not forget to teach children to save money. Tell them about the benefits if he saved money everyday as routine. By saving, he would not be wasteful and could someday have a lot of money that could be used for supplies when needed, or used to buy something he’d long indeed desire.

How does your child want to save money? Buy him a piggy bank. If necessary, Swatch piggy bank that looks interesting, in order to attract attention at any time. Tell him to be diligent in putting money into piggy bank.

4. Ask Children to Make Budget Allowance.
If the child can already count then you can take him to plan the amount of revenues and expenditures. Let me know that all the money he can, whether it’s from allowances, jobs, or gift, must always be organized and planned usage. Tell that to have a simple budget like that, he had not run out of money if you want to run a budget that already he has made his own.

5. Teaching Children about Donate, Charity and Doing Good.
One more thing you have to teach the children is the importance of contributing to and do good to others. This lesson he would have got at school, but not often practiced in his daily life. Well, if he practiced on a regular basis, soon he will not be individuals who are selfish and are only after money only in his life.

Those are 5 things that you should learn if you want to teach kids about money. It does necessary for their good development. Once they know about it, they will more learn how to control and handle money with good ability. They will learn one thing, money is not easy to get and very easy to loose if can’t control it well.

1. Parts easy to obtain. Many cars sold in the market are not equipped with spare parts (spare-parts). If you buy a car like this, and at one point appeared the problem, you certainly will face difficulties. This issue must be considered correct by the prospective buyer. For, once a step, without considering the existence of spare parts, then you will have difficulties getting longer. In this case, the output of Japanese cars like Honda, Toyota, Mitsubishi, Suzuki, easier way to get spare parts, spare parts. Sometime between one with another brands that can be adjusted and mutually supportive. As with the output of cars Europe-like BMW, Mercedes, etc-which is rather difficult to obtain spare parts with cheap prices.

2. Do not be tempted jobs. Many manufacturers are offers a variety of advantages and benefits of a product. However, you as a prospective buyer should not be easily tempted by the offer. Consider about the benefit you will get and loss that is behind the offer. In addition it also consider about the ease when purchasing a vehicle or a new car. Like the problem of warranty, authorized dealer in your town, service and parts availability. 3. Pick Winning Products. Find out the benefits of the goods offered, because it will benefit you. For example, fuel-efficient, stubborn engine and spare parts are easily available. However, you should also carefully consider any advantages offered by these products. Therefore, careful consideration needs to decide, whether through research, ask other people’s opinions as well.

4. Cheap cost. Additionally, check also the cost of maintenance and repair of cars in the future prospective. Includes the cost of fuel, regular adjustments, minor repairs and cost of an annual tax (vehicle registration renewal fees) that you should make a different cost. Calculation of high and low tax cost of which is determined by the year output, trademarks and -1600 cc engine capacity will be different from the calculation with 2000 cc.

5. After sales. In addition to the previous points is how the prospect of full price selling, whether to remain high or even ‘fall’. As a rough description, type of car like the Toyota, Honda jazz and other Japanese car commercial output is still ranked first in terms of sales. While for type sedan, the Japanese car back better prospects than the sales price of outputs European cars such as BMW, Mercedes, Peugeot, Volkswagen and others.

After you know about this, then you should consider it first. Take look around about the offers. Check all the cars you want to buy. It will be more helpful by bring a friend that know exactly about car and can be the person give you advises.