Fair Wage: Which Careers are Still the Worst Paid for Women?

Fair Wage Which Careers are Still the Worst Paid for Women

The topic of fair wages for the sexes has been a hot button issue since the women’s movement in the early 70’s. Activists continue to raise awareness, which has been able to make a small impact, and though women have earned these nominal gains, the fight is ongoing. A New Jersey Harassment Attorney says wage and workplace discrimination cases are still quite common. The crux of the debate has been equal pay for equal work for those with the same credentials. Unfortunately, in the last 40 years these four jobs still lag far behind in closing the earnings gap.

Financial Sector
This industry has a dismal record when it comes to fair wages. The top three jobs in the field include financial manager, advisor, and services agent. Statistics show the structure of compensation packages tends to be the culprit. This means commissions, bonuses, and merit lead the way to unfair earning differences between genders. However, bias is also cited as a cause, as well as discrimination.

Medical Field
Specialties have been the leading factor for potential wages doctors earn. While this is still the case, women in specialties such as cardiology and neurology still encounter a large income gap. The rationale of male-dominated no longer fits, because pediatrics has more female physicians who are still earning less. This turns the discussion to amount of time at work. Opponents point to the prevalence of male doctors working more hours per week, while their female counterpart work less due to motherhood and pregnancy.

Business Sector
Top male executives with the same education and experience are consistently paid more than their female colleagues. Female executives hired for a position with more education and experience still deal with compensation package inequity. The responsibilities for a CEO have the same expectations no matter who is in the role, however the earnings consistently do not reflect this. Females can outperform the business critical bottom line, but still earn a lesser amount.

Logistics Industry
Long and short distance truck driver jobs are included in the income gap conversation. Critics point to long hours and time away from home, as well as fewer women on the job, though this reasoning does not address the pay inequity for those that match their male counterparts in all areas. Regardless of the number of female truck drivers on the roads, the pay per mile remains lower.

It does not matter what career or industry, each example of the unfair wage gap reviewed demonstrates a 30 to 40 percent deficit. While ingrained discrimination is a catalyst, advocates believe societal norms regarding gender roles have skewed the issue more. One thing is certain, something has to give in order to give women a more equal chance in their careers.

 

Five Tips To Plan Your Dream Wedding Without Breaking The Bank

 

5 Tips To Plan Your Dream Wedding Without Breaking The BankEveryone wants to have the wedding of their dreams, but a storybook union can cost tens of thousands of dollars with the price of decorations, wedding attire, and a professional photographer included. There are some key things that any couple can do to minimize the cost of the wedding without sacrificing the experience. A little creative vision and hard work are all it takes.

Planning the venue

The first thing to do when planning an inexpensive wedding is to find a location that has as many services and perks included in the price. Places like Noah’s Event Venues provide a space with decorations, tables, lighting, food preparation area, a stage, and set up and take down service at no additional charge. These types of event destinations usually have beautiful views too.

Plan your own wedding

While a wedding planner may help get things moving along more smoothly, it is not always necessary. Many venues provide the extras you need, like mentioned above, which is what a wedding planning would do. Working with the professionals you already have, like photographer, venue professionals and more, you can put together a lovely wedding and schedule without the need for a wedding planner.

Make your own centerpieces

While you have to be careful with DIY projects for wedding, DIY centerpieces are actually quite simple and can look great at any wedding. First, choose a couple base neutral colors, and incorporate a few other colors in the same color palette. Choosing a flower arrangement can look great and be the attention, while other smaller pieces can bring it all together. Things like lanterns, burlap table runners and more are popular options.

Purchase used clothing or rent a gown

There is never a need to buy a new dress if you don’t have the budget for it. In fact, many brides end up selling their dresses since they have no need for them and it takes up space. A used dress can be tailored to fit any bride by adding fabric or taking in the seams. Shopping online is one way to find a good deal. Often, people can find a recently married couple who is selling their wedding clothes.

Have family or a friend make the cake

Anyone who knows how to make a cake and decorate it is a candidate for making a wedding cake. The price for the tiers and the larger cake pans is cheap compared to the cost of buying a professionally decorated cake. It is easier to customize a cake made by a friend too.

 

Creating an inexpensive wedding does not mean the day is not memorable. Couples can save thousands of dollars by getting friends and family to help in areas where they have experience. The savings can be used for a special honeymoon destination or to put a down payment on a house.

 

 

A Smart Woman Saves Money

 

A smart woman saves money, no matter what bills are due.  We find ways to save money, no matter how small the amount is.  We use coupons, we barter, we hit tag sales, shop at consignment stores and we even find free stuff that others  want to give away.   We collect cans and turn them in for nickels.  We need to take those pennies that we generate and save and actually save them.  Put that money aside and have the determination that it stays there “until hell freezes over.”  Let those funds accumulate and they will grow.

 

BUDGETING

If budgeting is the problem, then LearnVest.com is a place you can visit to learn how to create a budget.  Once you do that, then the goal is to stick to it.

List all of your expenses, then divide them by 12.  This is your monthly budget.  Write down your income and subtract what comes in from what goes out, then you know exactly what you are dealing with.  Makes sure that one of your line items is SAVINGS!

 

CREDIT

If credit debt is excessive, then cut up all of your credit cards – maybe keep just one.  Then make a plan to pay them all down starting with the smallest balance first.  Once that card is paid off, close the account and apply the extra funds to the next credit card.  Do this until all of your debt is paid off.

 

UTILITIES

Most of the utility companies allow their customers to get on a budget plan where they will charge a fixed amount every month based on your usage.  This will protect you from heating and cooling bills that can fluctuate widely during hot summer and cold winter months.

 

INSURANCE

If you have car insurance, choose a higher deductible.  This lowers the amount that you pay instantly.  Ask your insurance carrier about any other discounts that you may qualify for.

 

GROCERIES

Set up meal plans for the week, then create your grocery list from that plan.  Do you really need those cookies and sugary cereals for the kids?  Steel cut oats are very healthy for the body and helps to avoid all the artificial colorings and flavorings in processed food.  So, give extra thought to what you are buying, serving and eating.  Create a healthy meal plan, generate your shopping list, go into the store with your plan and stick with it.  You would be surprised at how much you will save by not throwing random items that appeal to you in your carriage.

Use coupons!  Coupons really do work and help you save money.

If grocery shopping with your young children is an issue because they want everything, then involve them in your research where you learn about the food that your family is eating.  Help them to find healthier choices!  This could be a really fun project!

Grow your own food.  It is amazing that several decades ago this is how people fed themselves.  Now, we don’t give it a second thought.  We’re all conditioned to buy what has been mass-manufactured and put on grocery shelves for us to buy and feed to our families.  You and your children will be delighted by watching and caring for your growing vegetables.  And they will be more receptive to healthier eating practices!

Finally, when it comes to grocery shopping, never shop while you are hungry.  Because then you walk around eating with your eyes and buying extra stuff.  Create your list and stick to it.

SHOPPING IN GENERAL

Stay out of the mall.  Stay out of stores.  If you need to purchase something that is an actual need – buy that one or those two things and get out of the store.  Stick with your mission.

 

A SMART WOMAN SAVES MONEY

Save money, even if it’s a penny, a dime, a nickel.  Collect it in a can or a jar.  When you have several dollars, deposit them into the FREE savings account that you will set up.  Make sure the bank you are using will not charge a fee.  Pick a day of the week when you go and deposit all of your change into the bank.  If your children are working with you, they’ll be happy to pitch in!  It can be a family project.

If there is an end game, or a reward for you or the family after you’ve saved a certain amount, imagine how great everyone is going feel after they’ve reached that goal.  But remember the goal is to have money saved.  If you are saving toward something, make sure you set a minimum amount that you need to keep in the bank.  For instance, if the family wants to buy – let’s say a small row boat and the cost of that is $300, you must have a goal of saving $100 first.  Once that $100 is there, then start saving toward the purchase of the boat.   Once you have the boat, then up the ante a little and say that the savings goal is $500, for instance and keep it going.

A smart woman saves money.  We are creative and find ways to make this happen.  Once you develop the habit of saving, it will help you to create a solid foundation for future financial success.

 

 

Finding Ways To Create Additional Revenue

In these tight financial times, women are being creative and finding additional ways to make money to help support themselves and their families.

Crafts for sale.  People make everything from from bags to jewelry – to pottery to paintings.  There are craft fairs galore during the beautiful summer months.  Perhaps you can tap into some of your unused talents and create something to sell.  Most craft fairs charge a fee for space.  Make sure that the pricing of your items balances out the fee.

 

Tag Sale.  Do you have things that you no longer need?  Tag sales are everywhere every weekend.  You could organize your own.  Just remember to check and see if your town requires a permit.  Choose the day, advertise on craigs list and other neighborhood newspapers.  Usually these ads are free or if there is a fee, it’s nominal.  Make sure you have enough tables to display your items.  You can even invite a few friends over to sell their wares and make it a very fun day.

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Can you braid hair?  Braiding hair does not have any state licensing requirements.  If you are really good at braiding and want to spend a few hours in front of the tv braiding other women’s hair – go for it!

 

Computer Repair.  Do you have a knack for fixing computers?  If you do and are very confident about it, you can start off by helping your friends first and then branch out to help others.

 

Explain Cell Phone Gadgets.  It seems that the young instinctively have an understanding of how cell phone gadgets work. Perhaps you can offer to help people learn how to use their cell phones.

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Buy and Sell Antiques.  Do you have knowledge of antiques and know what something is worth?  Be the early bird at tag sales and buy those kinds of items and resell them on ebay and auction houses, etc.

 

Make and Sell Beats.  This is very popular with young people.  If you can create beats on your keyboard or with your music software, there is a market for these products.

 

 

Based on your idea and what you want to do, maybe you need to invest in things like buyheatshrink.com tubing cutters or craft supplies, maybe even a sewing machine.

 

Teach music, teach dance, teach art — English, Spanish, Arabic!  We all have gifts and talents.  Not everyone uses what they have.  Search yourself and find your hidden, untapped potential and bring it to the fore.

 

What other ideas can you think of?  Please share them with us here at WomenMovetheSoul.com!

Not Too Soon to Worry About Tax Time!

Even though we are in the middle of summer, we still need to keep on track with our upcoming tax filing in the spring.

 

If you are self-employed and own your own business, you already have tax accountants like a russalleninc.com working with you to keep you on track.  Depending on whether or not your business is registered as an LLC, sole proprietorship, or other corporation, you need to stay on track of income and expenses which will determine your tax liability.  And, if you are smart, you are working with someone who helps you do to just that.taxes2

People who work for other people, also need to do a mid-season check to see where they stand as far as their tax obligations go.  You don’t want to end up at the end of the fiscal year with not having had enough money taken out for taxes.  No one wants to do their tax forms or have them prepared and be told that they owe money to the government.  So, it’s a good idea to do a check yourself or have your accountant check out where you stand at this present time.  Maybe you need to make an adjustments in your allowances and have more money taken out so you can break even with the government or get a refund.

Getting a refund however, is like giving the government an interest free loan.  A lot of people have the tendency to use this a way to get extra money after they file their taxes, but in reality, it is your money that you let the government borrow for free.  If getting this extra money in the spring is what you’re after, it’s better to put the extra money that’s currently going to the government in the bank every payday.  At least this way it can generate some interest for you – no matter how small.  Something is better than nothing!  Get out of the mindset that you want to give the government an interest free loan so you can get your own money back after they’ve borrowed it.  Learn how to save instead.

Suppose you are not having enough taken out of every paycheck?  You don’t want to find this out at the end of the tax year.  Get with your accountant to get an idea of where you stand now to avoid future shock.

Perhaps you are going to break even.  Wouldn’t you rather know where you stand now rather than wait until later when it’s too late to correct anything?

 

 

Are They Going To Garnish Your Wages?

Garnishment is a last-ditch effort at debt collection.  This hits where it hurts because your money will be taken from you before you even get it and this will make dealing with your budget – or what’s left of your paycheck – very challenging.

If you are facing debt that can’t readily be paid, the best thing to do is contact your creditor and make some kind of payment arrangement and stick to it religiously.  Otherwise, if debt goes unpaid and ignored, the courts issue a judgment on your creditor’s behalf requiring your employer to “garnish” or withhold a portion of your wages or bank accounts to pay back the debt.

A collection tool of last resort
“Garnishment is a legal remedy authorized by a court and should be considered a collection tool of last resort. In most states, the garnishment process can only be initiated by a court order and only if a judgment for monies owed has been entered.

This may cause you great embarrassment because your employer now becomes aware of your financial situation.  Employers are typically required to tell workers about the withheld amount. While it is against the law for an employer to fire an employee whose wages are garnished, that protection goes away after a second and third such judgment.

Creditors are required, per state laws, to provide lead time to debtors of any pending legal action, and generally prefer to avoid the hassle of filing a lawsuit. But once the judgment has been rendered, your  options are very limited,”

 

Credit card debt judgments and garnished wages
Once a credit card account (or any debt) goes into default, and the creditor decides it cannot collect, it may sell the debt to a debt collection company. If the credit card or debt collection company is unsuccessful in recovering the debt, then a lawsuit may be filed against the consumer in an attempt to recover its losses. If the ruling in the lawsuit goes against the consumer, a judgment may be issued to garnish property, bank accounts or wages.

You could contact an attorney immediately to discuss options before the situation escalates and you are  faced with lawsuits and garnishment.  Once the situation reaches this point, if it is a legitimate debt, the consumer’s only recourse is to either make a deal with the credit card company or to declare bankruptcy (which is an action you don’t want to take unless it is absolutely necessary).  Otherwise, a judgment may result, followed by collection procedures.

Once a judgement has been rendered, all you can do is ask the court to adjust the amount of the garnishment if the reduction in pay severely impacts your ability to support yourself and any dependents. Also, if a judgment is rendered in a state where the garnishment law differs from federal law, the law requires the court to adjust the garnishment to the lesser amount.

When other assets, such as property, are attached, a lien is placed to the property for the judgment amount — or for as much of the judgment amount as can be secured — so that when a property is sold, the money obtained from the sale would be distributed first to the creditors, unless the debt is paid.

 

Don’t Let the Emotion Overwhelm You

When the notices start coming in, we can become emotionally overwhelmed and try to ignore everything.  Don’t do this because with or without your participation, the lawsuit will go through and you will be faced with garnishment.

 

Be smart and will reach out for help before your financial situation gets out of hand.

Contact the creditor and try to make arrangements.  Also contact a consumer credit counseling agency.   A counseling agency may be able to negotiate lower payment arrangements with a creditor, but, once a debt becomes garnished neither you nor the counseling agency have any latitude because the payment arrangement is set by the court.

Credit & Collections – Know Your Rights

You are responsible for your debts. If you fall behind in paying your creditors or an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others. This includes lawyers who collect debts on a regular basis.

 

This is a true story.  Mrs. Nelson co-signed for a student loan for her granddaughter.  When her granddaughter finished college and defaulted on the loan, the credit company’s collection agency started calling Mrs. Nelson.  This woman was 85 years old at the time.  The callers would say things to her like, “You can lose your home if you don’t pay this debt.”  “We will start taking money from your social security payments,” and other harassing statements.  They would also call every night at 9:00 pm, well after the time Mrs. Nelson had retired for the day.

Fortunately, this story had a happy ending because her granddaughter got in touch with the creditor and made payment arrangements and stuck to it.  However, these days with the aggressiveness of debt collectors, this story and Mrs. Nelson’s experience are far more common that they should be.

Some debt collection companies pay their employees commission to collect on a debt or to get payment arrangements set up.

 

Understand that you have the right to be treated fairly by debt collectors.

 

The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money owed for the purchase of a car, for medical care, or for credit accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.

Your rights under the Fair Debt Collection Practices Act:

  • Debt collectors may contact you only between 8 a.m. and 9 p.m.
  • Debt collectors may not contact you at work if they know your employer disapproves.
  • Debt collectors may not harass, oppress, or abuse you.
  • Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
  • Debt collectors must identify themselves to you on the phone.
  • Debt collectors must stop contacting you if you ask them to in writing.