Women & Retirement – Part 3: Employers Have the Power to Improve the Future of our Female Workforce

October 29, 2013 - Serving Seniors

It is no secret that women face more difficulties in retirement than men. While women have a few options available to increase their nest egg themselves; employers can play an integral role to improve the lives of our female workforce and our society as a whole.

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For example, as an employer you can:

  • End the wage gap that contributes to lower lifetime earnings for women.
  • Provide more flexibility to make it easier for caregivers to work and care for their loved ones.
  • Offer opportunities in the workplace for women to learn about retirement savings.
  • Make more aggressive contributions to prepare for their long-term retirement needs.

It is never too early to get educated about retirement or offer retirement planning classes at the workplace. Our society is in great danger trying to take care of a rapidly growing retirement population who does not have enough savings to survive without intervention.

At Senior Community Centers, we work with seniors who are homeless or on the verge of homelessness and too often our case workers hear the following: “I wish I would have started saving sooner.” or “I wish I would have known.”

Do your part to prepare for your future and start now.

Erase the gap left by Sequestration and “Fill A Plate” for a Senior at AZUCAR – A Cuban Style Patisserie

October 29, 2013 - Serving Seniors

Azúcar and Senior Community Centers are teaming up to raise funds to provide healthy and nutritious holiday meals for seniors! Sequestration has left a $233,000 gap in our meals budget but we are committed to ensuring that the quality of our food remains high and the number of meals that our seniors rely on is not cut. Not eating is not an option.

2 women enjoing Thanksgiving meal

Visit Azúcar between November 1 and November 30 and make a $2+ donation to Fill A Plate for a senior this holiday season!

Azúcar 
4820 Newport Avenue
San Diego, CA 92107
619-523-2020
www.iloveazucar.com
Store Hours: Mon.-Sat. 7am-6pm; Sun. 8am-5pm

How does it work? It’s simple! Buy a delicious pastry or sandwich at Azúcar and make a $2+ donation in support of senior meals!  Together we can ensure San Diego’s low-income seniors continue to receive a warm meal each day!

Learn more about our Meals Program here!

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“Azúcar is the fulfillment of a life-long dream for Vivian Hernandez-Jackson. Vivian has combined her classical French training with her Cuban roots to develop a unique product line of desserts and pastries that combines traditional favorites with new flavors and designs.”

www.iloveazucar.com

Stay Healthy During Halloween with These Fun Treats

October 24, 2013 - Serving Seniors

CandyAs always, moderation is key when it comes to enjoying sweet treats and one of the hardest time of year to stay focused on our health is the holiday season between Halloween and the first of the new year. Let’s make a pledge to enjoy ourselves while being mindful of what we eat.

Here are a few links to fun, easy and healthy Halloween treats:

iVillage has a fantastic list of treats that kids will love. Easy and creative!

Cooking Light has a list of 25 Halloween and Fall Favorites – including full meals.

Spoonful shares a Hauntingly Healthy list of 15 easy and cute Halloween snacks.

What’s your favorite Halloween Treat or Recipe?

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Seniors, mark your calendars! The National Charity League, San Dieguito Chapter is hosting this year’s Halloween Party at the Gary and Mary West Senior Wellness Center on Sunday, October 27 at 1 pm!

Women & Retirement – Part 2: How Women (and Men) can Better Prepare for Retirement

October 22, 2013 - Serving Seniors

Taking last week’s factors of Why Do Women face more Difficulties in Retirement than Men into consideration, it is no wonder women are facing a retirement crisis.

Given women’s median retirement age of 61, women should be planning on a 30-year retirement — or even longer. So what can women do to manage their money and make certain they have enough to get them to the finish line?

Retirement

(Photo Credit: www.big4.com)

  • Make retirement savings a priority. Put yourself first and put away money each month to plan for the future – even if that means to forego saving for your kids’ college education. Save for your future to avoid being a burden to your kids in your old age.
  • Take advantage of your company’s 401(k) and other retirement saving options. Pre-tax savings that are taken straight from your paycheck won’t be missed. If your company has a matching program, be certain to take advantage of it.
  • Keep one foot in the door. You may have responsibilities at home, but don’t stay out of work too long. Every year you don’t work can rob you of an opportunity to contribute to retirement plans and potentially lower your future Social Security check. Full-time homemakers should take other steps to protect their financial futures.
  • Get educated about money. Once you’re retired, you’re playing for keeps. If you make a mistake with your money, you’re much less likely to be able to recover than during your working years.

Women who prepare now will thank themselves down the road. A great place to start is to visit AARP’s Decide Create Share website, which provides information on retirement planning. Find out next week what employers can do to ease the difficulties that our aging retirees face.

The full article first appeared in the San Diego Daily Transcript – September 2013 edition.

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