Women: Financial Trauma of Divorce/Widowhood

Aside from the emotional pain of getting divorced, the financial strain – statistically experienced more by women – can be devastating.  With one in two couples heading for the family law courts, it is shocking that even in the 21st century, a disproportionate amount of women have little or no idea about the financial status of the couple/family.  When faced with separation – by way of divorce or widowhood – these individuals find themselves completely overwhelmed and shocked at their new fiscal reality.

Industry experts are therefore advising women to at least develop a clear understanding of three main areas:

  1. their monthly expenses
  2. their current debt/income
  3. potential/expected future expenses. 

Consulting with a financial advisor is very strongly recommended too.

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Michelle Smith, Source Financial Advisors CEO and founder, has been a Certified Divorce Financial Analyst for the past decade-and-a-half.  As an RIA, Smith has used her expertise specifically in divorce/widow cases that have been brought to her firm.  Over the years she has found that getting divorced or becoming a widow is a bit like being in the middle of a medical crisis, in which you are “thrown in the ICU and it’s all this new language and it’s all these fast decisions that have to be made.”

For those contemplating divorce it is advisable to become educated before filing where possible.  When getting divorced people are so emotionally invested that they cannot think straight. But planning is crucial.  Smith added that it often feels like a situation of “life or death…because you’ve  got one shot at getting this pile of money.”  For women without an income that chunk of money could need to last for five decades!

In addition, given that about 80% of divorces are initiated by women, it is time women started becoming not only aware, but an expert on those three crucial points mentioned above.  Truthfully though, all married women need this knowledge; there is no preparation time for becoming a widow and those individuals face many of the same hardships and strains that divorced women do.

The High Life Might be Over for Victoria’s Secret

In a fascinating shift in women’s fashion, the iconic Victoria’s Secret line is having problems. They have found their sales down dramatically for a number of reasons. With the #MeToo era, many people find the company’s advertising distasteful and uncomfortable. Many women, as well, are looking to rival companies for custom-fitted bras rather than the push-up bras Victoria’s Secret peddles.

Companies that are advertising about inclusiveness and comfort are winning in the sales department. These include such companies as Lively, ThirdLove and American Eagle Outfitters.

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Many heavy hitters include James Mitarotonda (CEO of activist hedge fund and L Brands investor Barington Capital) have urged Victoria’s Secret to start changing its ways. In a letter to Leslie Wexner, Mitarotonda said L Brands must “take swift action to improve the performance of Victoria’s Secret, by, among other things, correcting past merchandising mistakes and ensuring that Victoria’s Secret is communicating a compelling, up-to-date brand image that resonates with today’s consumers.”

Shockingly, L Brands has lost more than half of its value in the last five years.

The Most Amazing Vacation

Should you be able to afford it, here is a get-away not to be missed. The Waldorf Astoria Maldives Ithaafushi just opened and it’s a site to behold. It spans three islands and has 122 villas with the most incredible accommodations and views. Every suite comes with an affinity pool and the views and amenities here are incredible.

You simply must read about this place and dream ahead to your next vacation. Or just enjoy your dreams. We all deserve that, don’t we?

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The Magic of ‘Kol Hamusica’

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Mozes Victor Konig has been using this summer to catch up on some local culture. 

“I find that the summer in Israel is a perfect opportunity to check out how the country is developing culturally.  We’ve come a long way in such a short time and it’s amazing to be witness to this growing entertainment scene,” Konig explained.

As such he plans to visit the Upper Galilee’s Kol Hamusica Festival that began yesterday and continues until July 16.  Not a new event (now in its 35th year), it is a great opportunity for music lovers to get in touch with the music scene.  This year violin player Guy Braunstein, piano player Ohad Ben-Ari and others are making an appearance.

“Of course, being a photographer I love finding entertainment-rich events to shoot. But I am hoping for my other senses to enjoy it; listening to musicians of such a high caliber is a true gift,” Mozes Victor Konig added. 

Tickets for the event can be purchased online.

The World’s 50 Best Restaurants

Anyone who loves to dine out probably knows about the 50 Best Restaurants in the World award. The most recent decisions were just made, and it’s worthwhile to check out the list. Most of us, of course, can’t spend the kind of money that you have to fork out to enjoy these dining experiences. But if you can afford it – it’s definitely worthwhile to enjoy this unique and amazing opportunity.

On the top of the list are:

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  1. Mirazur in Menton, France
  2. Noma in Copenhagen, Denmark
  3. Asador Etxebarri in Axpe, Spain
  4. Gaggan in Bangkok, Thailand
  5. Geranium in Copenhagen, Denmark
  6. Central in Lima, Peru
  7. Mugaritz in San Sebastian, Spain
  8. Arpege in Paris, France
  9. Disfrutar in Barcelona, Spain
  10. Maido in Lima, Peru

Eat and enjoy!

Vaccine for Diabetes?

A fascinating new study just might make a difference in diabetes. The University of Michigan looked at an unlikely vaccine as one that might help reduce the risk of developing diabetes. The babies in their study who were vaccinated against rotavirus in the first month of their lives showed a much lower risk of developing Type 1 diabetes later.

Those children who received the recommended doses of rotavirus had a 33% lower risk of diabetes than did unvaccinated children. The Centers for Disease Control and Prevention (CDC) recommends that all American babies get the first dose of these drops between 2-4 months of age.

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Lead researcher and author Dr. Mary Rogers cautioned that more research needs to be done. However, she said that “we do see a decline in Type 1 diabetes in young children after the rotavirus vaccine was introduced.” A similar study was done in Australia and was published earlier this year.