财务管理WOMEN

由于妇女在劳动力中发挥更大的作用，需要对他们管理自己的财务状况变得更加重要。

In an eye-opening article in US News & World Report last week about the state of women in the US economy, Rick Newman wrote: “But women tend to be better educated than men, with more relevant skills, which means economic power will continue to shift toward women, as it has been for the last 20 years. The unemployment rate for women, for example, is 8.1 percent, while it’s 8.3 percent for men. During the recession, the gap was much bigger, favoring women by more than two percentage points for many months. That overall trend is likely to persist throughout the recovery.”

有很多证据在那里证实了更多的教育一个人，较高的他或她的赚钱能力。据Lumina的基金会，“有学士学位个人现在使84％以上的过一辈子比那些只有高中文凭，从75％在1999年今天，学士学位持有人可以指望平均终生收入接近百万$ 2.3相比之下，工人只有高中文凭的平均大约1.3亿$，翻译成多一点，每小时$ 15。”

This is not just a current problem. It’s clear that in the future, as technology plays an even larger role in our lives, higher education will be a prerequisite for economic growth. Jamie P. Merisotis, president and chief executive officer of Lumina said: “The vast majority of new jobs require higher skills, and if you don’t have a college degree, your chances of being in the middle class are visibly diminished. There is a high probability that you’ll be poor without some form of postsecondary education, and that makes education one of the most critical factors in our nation’s long-term economic growth plans. A dramatic increase in educational attainment must become a top national priority if we intend to build our labor pool and beat out other countries for the jobs of the future.”

转至类的头

妇女所采取的教育领先，没有回头。我认为，这种趋势更是在以色列，因为在军工龄的差别，女性得到他们的大学教育先拔头筹明显。

据纽曼道：“教育优势女性是惊人的。妇女将获得今年授予的所有学士学位的55％，根据教育部，再加上所有硕士学位的60％和所有的医学学位的53％。到2020年，该比例预计将更高。男子今天挣的专业学位，如工商管理硕士稍高的部分，但女性会多于男性那些，太，到2020年。

“教育仍然是高度与未来收益相关，尽管缓解因素，如安装债务负担一些毕业生。所以女人会凭借自己的知识和证书的人头简单。妇女也往往有培训领域预计将增长之最。美林指出，在田间可能到2018年增加了大多数的工作 - 包括护理，其他医疗部门，会计和中学后教育 - 女人“有一个不断增长的比例，在许多情况下，大部分的就业机会。

受过教育的投资者

As women are becoming more educated, that means that they will have more money, and the need to become an educated investor takes on even more importance. Unfortunately, when it comes to money, while women make better investors, they often lack the confidence to invest in a correct fashion.

“Women need to stop believing that investing is too hard or too complicated,” said Sandra Claflin-Chalton, a professor of economics at the University of Wisconsin-Stout. “My experience has been that once women learn the basics, they have excellent instincts and are much better at finance than most men.”

虽然你不必成为一个做自己动手的投资者，花时间去学习投资让你可以挑战你的顾问和基本确保他或她是真的做什么是最适合你的投资组合。

是投资专门为满足您的特定目标和需求？请确保您不仅了解您的投资，但你支付什么​​费用的顾问。你付出了“每次交易”的基础上，或者是你支付年费？要我懊恼的是，有很多顾问谁将会挑战极限，尝试收取非常高的费用。除非客户端推回，他们会取得成功。

女性需要采取的事实，他们是在玩在经济中日益重要的作用优势。由于他们的赚钱能力的增长，他们的投资组合应该步其后尘。

The information contained in this article reflects the opinion of the author and not necessarily the opinion of Portfolio Resources Group, Inc. or its affiliates.

Aaron Katsman is author of the book退休GPS：如何定位自己的方式安全的财政未来全球投资(McGraw-Hill), and is a licensed financial professional both in the United States and Israel, and helps people who open investment accounts in the United States. Securities are offered through Portfolio Resources Group, Inc. (www.prginc.net). Member FINRA, SIPC, MSRB, SIFMA, FSI. For more information, visitwww.sisoftball.comor email aaron@lighthousecapital.co.il