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The Unsettling Truth About Women And Retirement

Many Americans struggle with retirement planning, but women face a particularly dismal outlook. The National Institute on Retirement Security reports that they’re 80% more likely than men to be impoverished at age 65 and older.

What’s contributing to the financial insecurity of aging women? Here's a look at the variables at play.

The wage gap: In 2016, women earned about 80% of what men earn—and experts forecast that it won’t be until 2059 that we can expect that gap to close. And if most Americans are behind in saving for retirement, women’s lower lifetime earnings mean they’re likely falling into the bottom rung of the ill-prepared.

They’re more likely to be caregivers—of children and parents: According to the AARP, the majority of caregivers are women. Research on caregiving points to a number of career concessions women may consider during their lifetimes, including turning down promotions, decreasing hours or retiring early. According to a Pew Research Center survey, mothers were nearly three times more likely than men to have quit a job to care for family.

They’re more likely to work part-time: In 2016, 25% of female workers were employed part-time, compared to just 12% of men. Part-time work not only means lower lifetime savings, but it can also impact eligibility for certain employer benefits and retirement plans.

They outlive men: Life expectancy for women is roughly 81 years compared to 76 for men. Cindy Hounsell, president of the nonprofit Women’s Institute For A Secure Retirement, believes that longevity is one of the most overlooked factors to blame for the financial challenges so many retired women face. “The healthcare costs for older women are much higher than for men and they end up living longer,” Hounsell says. “They have to pay for these things for a long time.”

Different women face different obstacles: Women of color face an even steeper uphill battle as they age: the National Women’s Law Center reports that poverty rates for black and Hispanic women age 65 and older are about double that of white women.

Emma Stone:The World's Highest-Paid Actresses 2017

The World's Highest-Paid Actresses 2017: Emma Stone Leads With $26 Million

La La Land--the city and its celluloid namesake--has been very kind to Emma Stone. At just 28 years old, the Hollywood star is this year's highest-paid actress, banking $26 million pretax in our 12 month scoring period.

Stone has her earnings from the movie-musical to thank for the bulk of her payday, which also won her a Best Actress Oscar. Her portrayal of Mia, an aspiring actress and barista, garnered rave reviews and goosed the film to $445.3 million at the global box office.
"I moved here when I was 15 to start auditioning, I knew what it felt like to go on audition after audition," Stone said backstage after accepting her Academy Award, speaking of the similarities between the role and her life. Those auditions have officially paid off: she scored her largest ever annual take-home and is the biggest dollar and percent gainer, year over year, of anyone on the list.

She bests Jennifer Aniston (No. 2; $25.5 million) who continues to bank millions more than a decade after Friends' conclusion, thanks to regular roles in movies such as The Yellow Birds. But Aniston, 48, makes most of her money by endorsing the likes of Emirates airlines, Smartwater and Aveeno. Hair-care line Living Proof, which she owned a stake in, was sold Unilever for an undisclosed amount in December 2016, adding to Aniston's bottom line.
Former top-ranked Jennifer Lawrence comes in at No. 3, notching just over half her 2016 total. But don’t worry—she still made $24 million. Without a Hunger Games movie, most of Lawrence's paychecks came from forthcoming Darren Aronofsky thriller Mother!, Red Sparrow and a longstanding Dior endorsement. Melissa McCarthy (No. 4; $18 million) and Mila Kunis (No. 5; $15.5 million) round out the top five.

Together, the world's 10 highest-paid actresses tallied a combined $172.5 million between June 1, 2016, and June 1, 2017, before fees and taxes. Earnings estimates are based on data from Nielsen, ComScore, Box Office Mojo and IMDB, as well as interviews with industry insiders. All figures are pretax; fees for agents, managers and lawyers are not deducted. The list examined actresses the world over, but no stars from Asia made the cut, as Fan Bingbing and Deepika Padukone dropped off due to quieter years.

Brit Emma Watson (No. 6) is this year's sole newcomer after depositing her paycheck for Beauty and the Beast, which grossed $1.26 billion to become the top-grossing movie of the year so far. Though tech drama The Circle flopped, she managed to make $14 million in our time frame, thanks to the Mouse House.

"Every kid who grew up on Harry Potter felt instantly comfortable seeing Emma Watson on screen; even if she wasn't Hermione Granger, she was Belle," said Paul Dergarabedian, senior media analyst at industry tracker ComScore. "[Disney] could have plugged in any actor into that role but it wouldn't have had that magic."
This year, three women breached the $20 million mark, compared to four women in 2016. Notably absent this year: Scarlett Johansson, who failed to earn above the $11.5 million cut off for this year's list. Overall, the cumulative total is down 16% from $205 million in 2016.

Their success remains remarkable considering that female characters fill only 28.7% of all speaking roles in film according to a 2016 study. Roles for women above 40 are even fewer and farther between, which makes it all the more notable that 60% of this year's list members are over the age of 40. These women have forged their own roles, such as Atomic Blonde producer and star Charlize Theron, 42, (No. 6; $14 million) who spent five years developing the spy project.

"We’ve had moments like this, where women really showcase themselves and break glass ceilings," Theron told Variety. "And then we don’t sustain it. Or there’s one movie that doesn’t do well, and all of a sudden, no one wants to make a female-driven film."

As the ticketing receipts of Wonder Woman and Girls Trip show, strong female characters have never been more bountiful at the box office. Here's hoping their success engenders more roles for a wider range of actresses in years to come.

The Largest U.S. Charities For 2017

While total donations to the 100 largest U.S. charities rose 3% last year, United Way Worldwide, the perennial No. 1,  continued its long decline. For the fiscal year ending June 30, United Way---a network of more than 1,000 legally separate local units that are heavily dependent on paycheck deductions authorized by workers — took in $3.54 billion. That was a one-year drop of $170 million, or 4.6%, from the $3.71 billion received a year earlier.

Since 2007, Alexandria, Va.-based United Way Worldwide has seen its donations fall by a sixth. The decline reflects the problems plaguing many social-service agencies that try to be many things to many donors amid a rise of narrower, more targeted charities focusing on, say, a specific illness.  The Internet and social media have provided powerful new tools for those narrow charities to promote their causes.  (While donors to United Way can designate specific charities  they want to support, if they don't, the local unit decides what operating charities it will support.)  Moreover, while payroll deduction has long been a convenient way to give, these days donors have equally easy alternative options of donating, even via text messaging.
Yet another factor is the diversion of dollars to donor-advised funds affiliated with major financial services companies. These funds allow donors to make a charitable donation and claim a tax deduction now, while doling out the money to specific charities later.  Note that since donor-advised funds don't solicit contributions and are not operating charities, Forbes excludes them from consideration for our list. But one, Fidelity Charitable, actually topped United Way Worldwide in donations last year, taking in $4.08 billion

Task Force for Global Health remains No. 2 on the Forbes list despite a dramatic decline in donations caused by a one-time gift that wasn't repeated. Based in Decatur, Ga., the nonprofit routes donated medical supplies to foreign locations. In its latest fiscal year,  donations fell $480 million from $3.15 billion to $2.67 billion — a 15% decline. But that year-earlier number included a $1 billion-plus gift from Pfizer of anti-tropical disease medicine.

By contrast Feeding America, which continues as No. 3 on the Forbes list, saw its donations rise 11%  from $2.15 billion to $2.38 billion, most of that donated foodstuffs. The Chicago-based organization, the umbrella for hundreds of food banks around the country, credits increased cause marketing campaigns and partnerships with large food suppliers for its success.

The venerable Salvation Army, a Christian church as well as a social service agency, is still No. 4, but its squadron of red-kettle collectors has been under stress. Donations to the Alexandria, Va.-based charity fell slightly from $1.9 billion to $1.88 billion. That 1% drop, however, compares favorably with the previous year, when donations declined by 10%,

There's a new No. 5 this year: St. Jude Children's Research Center. Moving up a notch from No. 6, the Memphis hospital saw contributions rise 16% from $1.18 billion to $1.37 billion.  St. Jude displaced last year's No. 5, YMCA of the USA. The Chicago-headquartered network of youth facilities and health clubs fell to No. 8 as its fundraising dropped 13% from $1.2 billion to $1.04 billion.

To see the full list of 100 charities, with detailed data on each, click here. Then click on the name of a given charity for more information.

Rankings on this 19th edition of the Forbes top-charities list are determined by the dollar value of private contributions received in the latest fiscal year.  Government grants, income from the sale of product or services, and investment returns don't count in our rankings, but are included in the total revenue listed for each charity.

Most of the nonprofits on this list have significant revenues other than donor largess. As an example, No. 17 Lutheran Services in America received $732 million in donations but pocketed more than $20 billion in fees for service, making it the highest total revenue nonprofit on the list. The Washington, D.C.-based organization is an umbrella for hundreds of Lutheran social service agencies. Donors gave Mayo Clinic, No. 49, $280 million, but the renowned Rochester, Minn., medical giant had more than $10 billion in income from services and investment returns.

At the other extreme, all of Americare Foundation's $915 million in total revenue came from private donations.  The No. 10 charity, based in Stamford, Conn., provides disaster relief.

Of the 100 charities, 14 reported paying some employee more than $1 million. The average top pay — which usually but not always goes to the top executive — was $817,382. The three highest compensated chief executives headed hospitals: Craig B. Thompson of Memorial Sloan Kettering Cancer Center, New York, $6,719,203; Kenneth Davis, Mount Sinai Health  Systems, New York, $6,222,755; and Stephen J. Corwin, New York-Presbyterian Hospital, $5,091,843. These figures can include benefits, deferred compensation and one-time bonuses, and might be for a different fiscal year than that on the list.

The Forbes list also provides financial efficiencies for each charity and changes in those ratios from the prior period. For that detail, plus more information on each charity, including top pay, click here. For a description of the methodology, an explanation of the financial efficiency ratios and how donors can use the data to help evaluate almost any charity

Expert Advice On A DIY Solution for Startup Pays Great

Workers offered payroll-reduction retirement plans at work are 15 times more likely to save for their retirement, but only about half of all private sector workers are offered those plans. And this isn't just a challenge for low-wage work. More than 12 million employees in the top two earning quintiles ($40,000 or more) did not have access to a workplace plan. Even among top-quintile earners ($63,500 or more), over 25% are not offered a retirement plan at work. 

So what should you do if you're making a great salary but aren't offered a retirement plan?

"If you are an employee in a high-earning profession and have taken a job in a start-up or small business, don’t be surprised if there’s no retirement program in place," says Angela Antonelli, the research professor and executive director of the Center for Retirement Initiatives at Georgetown University's McCourt School of Public Policy. She studies and advocates for programs that increase Americans' access to plans, but is also acutely aware of the challenges of not having one.

In the tips below, she offers advice for high earners who don't have a work benefit program.

And in the Retirement Checkup special feature, Antonelli and other experts prescribe best practices across every level of preparedness.

Don't Procrastinate

"Research shows that for many people, inertia can set in because it is too easy to put off figuring out how to save if their employer doesn’t help them.  You need to take action."

Set Goals

"Review your retirement goals so you know how much you need to save now to stay on track. Online retirement calculators can help you estimate the amount, like this one from AARP. You will need to be disciplined and plan to set funds aside from each paycheck to fund a retirement account."

Know Your Limits

"Because of contribution limits on individual retirement accounts (IRAs), you may find you will need to explore other tax-advantaged options for saving, such as annuities or health savings accounts."

Be Realistic About Your Involvement

"You also need to decide how involved you want to be.  If a lot – you can open accounts on your own through a financial services company. If you’d rather be hands-off, but still informed, use a financial advisor to help you navigate options and explain pros and cons."

Best Home Exercises for Busy Moms

Juggling between work, kids, family and even companions can be intense. There is such a great amount of going ahead in the advanced ways of life that it is so troublesome even to locate an additional five minutes to relax or even perform exercises. 

In the event that you are now feeling overpowered with the endless hustles, for what reason wouldn't you be able to take a couple of minutes to unwind, take a full breath and take in the absolute most powerful, yet basic activities that you can do at home to keep your body fit. Activities don't just help you to get a littler midsection, however they likewise help you to remain solid. 

How about we take a gander at a portion of the principle reasons why you ought to perform exercises all the time. 

Wellbeing reasons: By staying in shape you can keep away from the vast majority of the wellbeing intricacies that incorporate cardiovascular illnesses, heart sicknesses, and even weight. Ladies with a considerable measure of muscle versus fat are likewise inclined to diabetes. 

Boosting certainty: Shedding some fat from the body supports your certainty. When you get a slimmer midriff, you can put on some hot clothing that looks great on you. You are not restricted to wearing loose pants and T-shirts to shroud the fat on your tummy. 

Performing normal activities additionally keeps you roused for the day. Activities will keep you sound and furthermore help to enhance your sexual coexistence. 

In what capacity would moms be able to remain fit by performing home activities? 

Principal, how about we take a gander at the straightforward wellness hardware that a mother can use to make a home exercise schedule. You will require a decent exercise tangle, strains band, strength ball, and hand weights. These are a portion of the fundamental hardware that you requirement for a productive exercise at home. 

1. While utilizing an activity tangle, you can play out the customary sit-ups and stomach crunches. 

Sit ups are imperative activities as they can enable you to dispose of the fat around your paunch and furthermore to accomplish a slimmer midsection. They add to fortifying the muscular strength and your tummy to be level. These are practices that should be possible before anything else or at some other time. 

2. Solidness ball finishes stomach reinforcing schedule. 

The soundness ball can be utilized for finish stomach crunches, push ups and even turn around crunches. You will, be that as it may, require some an opportunity to figure out how to utilize the balls previously you are totally sure utilizing them. You can substitute the conventional sit-ups with the security ball works out. A standard exercise of no less than fifteen minutes in the morning and fifteen minutes at night is sufficient to keep you fit. 

3. The protection groups 

When performing works out, you have to concentrate on working out your whole body and not simply concentrating on a specific piece of the body. Protection groups are utilized to make power and tone muscles in practically the whole body. When they are utilized well, they can reinforce your arms, stomach muscle muscles and the center muscles. It might be difficult to perform practices with pressures groups in the initial couple of days, yet once you get used to them, you will acknowledge it is a breeze. When you join strength ball with pressures groups and do ten minutes in the morning and night, you will acknowledge astounding distinction inside fourteen days. The good thing is that strain groups are quite shoddy, and there are likewise a great deal of exercise recordings that you can use to play out these activities. 

4. Utilize hand weights for basic weight lifting at home 

Weight lifting is another segment that you can join into your consistent exercise schedule. These weights will condition your arm muscles and help you to stay in shape. 

Aside from the previously mentioned works out, mums can likewise participate in other outside exercises that will enable them to stay in shape. For example, rather than driving your kids to class, you can cycle at that point or walk them to class. Occupied mums can likewise run and run at whatever point they have some extra time. Other open air exercises, for example, climbing and cycling are likewise imperative.

Mix 'N' Match Chicken Wings


  • 24whole chicken wings (5 to 6 pounds)
  • 3cups buttermilk
  • 2tablespoons bottled hot sauce
  • Wings Rub variation
  • Wings Sauce variation
  • Wings Dip variation
  • Carrot and celery sticks
  • Directions

    1. Place chicken wings, buttermilk, and hot sauce in a large resealable plastic bag set in a shallow dish. Seal bag; turn to coat chicken. Marinate for 2 to 8 hours. Drain wings and pat dry; discard bag and marinade and place wings in new large resealable plastic bag.
    2. Sprinkle desired Wings Rub over chicken wings; seal bag. Shake bag to coat wings with seasonings. If desired, chill in the refrigerator for 6 to 24 hours.
    3. For a charcoal grill, arrange medium-hot coals around a drip pan. Test for medium heat above the pan. Place half of the chicken wings on grill rack over drip pan. Cover; grill for 20 to 25 minutes or until chicken is no longer pink, turning once. (For a gas grill, preheat grill. Reduce to medium. Adjust for indirect cooking. Grill chicken as above.) Remove wings to a shallow baking pan. Keep warm in 300 degrees F oven while grilling remaining wings as above.
    4. To serve, in a very large bowl, toss wings with desired Wings Sauce to coat. Transfer wings to a serving bowl or platter with desired Wings Dip(s) and carrot and celery sticks.

    From the Test Kitchen


    Savory: In a small bowl stir together 1 tablespoon cayenne pepper, 1 tablespoon ground black pepper, 1 tablespoon dried oregano, crushed, and 1 teaspoon garlic powder.
    Cajun: In a small bowl, stir together 1 tablespoon ground black pepper, 1 teaspoon cayenne pepper, 1 teaspoon crushed dried thyme, 1 teaspoon onion powder, 1 teaspoon garlic powder, and 1/2 teaspoon salt.
    Chili: In a small bowl, stir together 1 tablespoon paprika, 1 teaspoon ground cumin, 1 teaspoon chili powder, 1/2 teaspoon salt, 1/2 teaspoon ground coriander, 1/2 teaspoon ground black pepper, and 1/4 teaspoon cayenne pepper.
    BBQ: In a small bowl, stir together 1 tablespoon chili powder, 1 tablespoon brown sugar, 2 teaspoons onion powder, 2 teaspoons paprika, 2 teaspoons garlic salt, 1 teaspoon cayenne pepper, 1 teaspoon dry mustard.


    Blue Buffalo: In a small saucepan heat 1 cup bottled cayenne pepper sauce (Frank's Red Hot®), 1/2 cup melted butter, 1/4 cup white wine vinegar, 1 teaspoon Worcestershire sauce, and 1/2 teaspoon garlic powder over medium heat until butter melts; cool. Stir in 1/4 cup finely crumbled blue cheese.
    Korean Heat: In a small saucepan, cook 1/2 cup Asian chili sauce (sriracha sauce), or Asian chili paste (sambal oelek); 1/3 cup packed brown sugar; 3 tablespoons soy sauce, and 3 tablespoons rice vinegar over medium heat for 5 minutes, stirring constantly. Off heat, stir in 1 teaspoon toasted sesame oil. Makes 1 cup.
    Louisiana Beer: In a small saucepan, cook 1/4 cup chopped onion and 1/4 cup copped red sweet pepper in 1 tablespoon hot vegetable oil over medium heat about 4 minutes or until tender. In a small bowl, stir together 1/2 cup beer, 1/2 cup cold water, 1 tablespoon cornstarch, 1 tablespoon Cajun seasoning, and 1/4 teaspoon salt. Add to onion mixture. Cook and stir until thickened and bubbly. Cook and stir for 2 minutes more.
    Chimichurri: in a blender or food processor, puree 2 cups fresh flat-leaf Italian Parsley, 3/4 cup fresh cilantro leaves, 1/2 cup red wine vinegar, 1/2 cup olive oil, and 4 cloves garlic. Pour into a container and stir in 1/2 teaspoon crushed red pepper and 1/2 teaspoon salt.


    Fresh Chive Ranch: In a small bowl whisk together 1/2 cup sour cream, 1/3 cup buttermilk, 2 tablespoons snipped fresh chives, 2 teaspoons lemon juice, 1/2 teaspoon garlic powder, 1/4 teaspoon salt, and 1/8 teaspoon ground black pepper.
    Blue Cheese Dressing: In a small bowl, whisk together 1 cup mayonnaise, 1 cup crumbled blue cheese (4 ounces), 1 tablespoon red wine vinegar, 1 tablespoon lemon juice, 1/4 teaspoon garlic salt, and 1/4 teaspoon celery seed. Cover and chill up to 1 week. Makes 1 1/2 cups.
    Creamy Parmesan Dressing: In a small bowl, stir together 3/4 cup mayonnaise, 1/4 cup sour cream, 3 tablespoons grated Parmesan cheese, 2 tablespoons white wine vinegar, 1 teaspoon minced garlic, 1/2 teaspoon crushed dried Italian seasoning, and 1/4 teaspoon ground black pepper.
    Wasabi Avocado Dip: In a small bowl, whisk together 3/4 cup mayonnaise, 1/2 cup mashed avocado, 1/4 cup sour cream, 1/4 cup snipped fresh cilantro, 1 tablespoon wasabi paste, 1 tablespoon rice wine vinegar, and 2 teaspoons Asian chili sauce (sriracha sauce).
    Tzatziki Dip: In a small bowl, stir together 1 cup plain Greek yogurt, 1 cup seeded and chopped cucumber, 1/2 cup sour cream, 3 tablespoons olive oil, 1 tablespoon lemon juice, 1 tablespoon snipped fresh mint or dill weed, 2 teaspoons minced garlic, and 1/2 teaspoon salt. Add more lemon juice to taste, if desired.

Cheesy Polenta-Stuffed Baby Sweet Peppers


  • 1 3/4cups water
  • 3/4cup stone-ground cornmeal
  • 3/4cup cold water
  • 3/4teaspoon salt
  • 1/2cup shredded provolone cheese (2 ounces)
  • 1/2teaspoon dried Italian seasoning, crushed
  • 1pound miniature red, yellow, and/or orange sweet peppers (20 to 22 peppers)
  • 123 ounce jar (about 2-1/2 cups) chunky tomato-base pasta sauce
  • 1tablespoon balsamic vinegar
  • 18 ounce package frozen artichoke hearts
  • 8ounces fresh cremini mushrooms, halved if large
  • Finely shredded Parmesan cheese(optional)
  • Snipped fresh basil (optional)
  • Directions

    1. For polenta, in a medium saucepan bring the 1-3/4 cups water to boiling. Meanwhile, in a small bowl stir together cornmeal, the 3/4 cup cold water, and salt. Slowly add cornmeal mixture to boiling water, stirring constantly. Cook and stir until mixture returns to boiling. Reduce heat to medium-low. Cook about 20 minutes or until mixture is very thick, stirring frequently and adjusting heat as necessary to maintain a slow boil. Stir in provolone cheese and Italian seasoning. Transfer mixture to an ungreased 2-quart square baking dish. Cool for 20 minutes.
    2. Meanwhile, cut a lengthwise slit in one side of each sweet pepper. Spoon out and discard seeds, leaving stems intact. Spoon polenta into a decorating bag. (Or spoon into a heavy resealable plastic bag; snip a small hole in one corner of the bag.) Pipe polenta into peppers (some polenta may remain exposed).
    3. In a 6-quart slow cooker combine pasta sauce and vinegar. Stir in frozen artichoke hearts and mushrooms. Gently stir in stuffed peppers.
    4. Cover and cook on low-heat setting for 4 hours or on high-heat setting for 2 hours. Serve immediately or keep warm, covered, on warm- or low-heat setting for up to 2 hours. If desired, sprinkle with Parmesan cheese and/or basil.