Tag Archives: plan

The Wealthy Women: A Man Is Not A Financial Plan Book Review

Posted on by

The Wealthy Woman: A Man is Not a Financial Plan: A Woman's Guide to Achieving Financial SecurityThe Wealthy Woman is a book that is sorely needed. I have lost count of the amount of women I have met who are terrible at finance, and that is saying nothing for the ones that really do think that a man is a financial plan. I mean, they’re really not.

Relying financially on a man causes a lot of problems: he could leave you, he could lose his job, he could treat you badly and you  feel you can’t leave because you would be too poor, he could think he has all of the power because he pays the bills…the list goes on. True freedom and happiness comes when a women is financially independent. Can this book help? Yes.

Some finance books can be scary but this one isn’t. In fact it is fun, concise, comprehensive and educational all at once. The author also takes two women, one savvy and one not-so-savvy, and follows them through the years and charts the consequences of their financial decisions. I found this particularly useful. I think a lot of women would read it and it will (hopefully) give them a wake-up call.

The book gives you financial advice for each decade of your life, and where you will end up. It let’s you know that only you can be responsible for your financial future and being an ostrich won’t help at all. It also helps you calculate your net worth, sort out your finances and get out of debt if you have it.

It also covers pensions, saving and investing. In fact, most things are covered in this excellent book. Buy it for yourself or/and the females in your life. It is packed with good advice and tips that could change your life for the better.

 

‘The Wealthy Woman – a man is not a financial plan’ by Mary Waring has worked with 100s of women helping them take control of their finances.

Far too many women find ‘dealing with the money’ a daunting task and leave it in the hands of their partners. However, this can leave them with little control over their own financial lives and sadly, if they then get divorced or are widowed, they are left floundering with little understanding of how much money they have, or don’t have, and what this means to their lifestyle.

By understanding your finances and taking control you can make your money work for you. That’s the message in Mary Waring’s new book ‘The Wealthy Woman: A Man is Not a Financial Plan: A Woman’s Guide to Achieving Financial Security’.

“Many women tell me that they simply don’t do maths – and this mental block seems to be an epidemic among women everywhere. However, these are often admirable women with high-level jobs. My message is simple – you are more than able to handle all of your finances,” says Mary Waring.

So, do you want to be more confident about your finances? Do you want to be a wealthy woman?

“Wealthy” will mean different things to different women. It doesn’t necessarily mean “rolling in it” and having so much money that you’ll enter The Times ‘rich list’. It may simply mean you feel confident you will have enough money to do the things that you plan to do in the future, no matter how lavish or frugal a lifestyle you lead.

Mary’s book will guide you on your journey to become a wealthy woman by showing you how taking small steps on a regular basis can lead to a significant increase in your wealth.

If you currently have such a lack of control over your finances that you are too afraid to open your credit card statement at the end of the month, this book will show you how to take control.

“The Wealthy Woman” will encourage you to think about your attitude towards money and your relationship with it.

As Mary says; “It’s easy to be wealthy just as it’s easy to be poor. There’s very little difference in the way you can become either. You are in a position where you can improve your wealth. Whatever your dreams and aspirations around money there is nothing to stop you moving towards those dreams.”

Mary Waring is an independent financial adviser and the founder of Wealth For Women, specialising in financial advice to women going through divorce. She is both a Chartered Financial Planner and a Chartered Accountant, being one of only a handful of advisers in the whole of the UK with this high level of qualification.

Mary is passionate about changing the way women think about finance. Too many women stick their head in the sand and ignore it. Or…rely on a man to sort it for them.

‘The Wealthy Woman: A Man is Not a Financial Plan: A Woman’s Guide to Achieving Financial Security’ is available from Amazon and all good bookstores.

For more information see: www.mary-waring.co.uk

 

Nicki Waterman’s Sport Relief 7 Day Diet Plan

Posted on by

Sport Relief is back again in March 2014 and promises to be even bigger and better. For the first time ever the Sainsbury’s Sport Relief Games will take place from Friday 21st to Sunday 23rd March 2014.

The public can join in with the fun and games by running, swimming or cycling their way to raising cash at over a thousand venues around the country, including the landmark events at Queen Elizabeth Olympic Park. Celebrity fitness expert Nicki Waterman has created a diet plan to help those training for the Games.

For those wanting to prepare for the Games, whilst sporting the new look in the kitchen, the specially designed Emma Bridgewater apron as worn by The Great British Sport Relief Bake Off ‘Star Bakers’ is available to buy from HomeSense and TK Maxx stores, for £12.99 with at least £6.50 going to Sport Relief.

Celebrity fitness expert Nicki Waterman says, “All the money raised from Sport Relief will be spent helping some of the most vulnerable people in the UK and across the world’s poorest countries – who wouldn’t want to be part of such a brilliant charity.”

nikkiwaterman
Emma Bridgewater has created two limited edition aprons for Sport Relief available from HomeSense and TK Maxx stores

Main meals need to be based on slow release energy foods. These help to provide the energy needed to re-fuel exercised muscles.

In practice this means having things like porridge for breakfast, or other oat cereals like, sugar-free muesli or a couple of slices of granary bread with two boiled or poached eggs and a glass of fruit juice.

For lunchtime, it is a good idea to use tortilla wraps and pitta bread as the basis of your meal, adding to them some lean fillings like roasted chicken, reduced fat hummus or some avocado or cottage cheese; all with lots of salad.

At dinner-time, pasta and noodles or new potatoes make a great base to your meals. To these you can add some baked or grilled fish, lean meat like grilled steak or vegetarian options, or stir-fries with a meat substitute.

The next part of the plan is to ensure that you have the right snacks before, during and after you exercise.

About an hour to 30 minutes before you train, try to have a banana and a glass of juice or a handful of dried fruit and some water or a cereal bar.

When you are actually exercising, have another small snack once you are 30 minutes in. This can be an isotonic sports drink, which will give you a little energy boost to keep going beyond an hour.

Once you have finished, try to have another snack like a banana sandwich or a cereal bar within 30 minutes of finishing. This will start the process of beginning to refuel your muscles.

This may sound like a lot of food and if you try this pattern and find that you are actually putting on weight, then cut back on serving sizes at main meal times.

If you find on the other hand that you are shedding too much weight, have slightly larger servings at meal times.

Remember, it is quite common for female runners, cyclists or swimmers to end up with iron-deficiency anaemia. Try to include foods like bran flakes, baked beans, wholemeal bread, prunes, cashew nuts and lean red meat.

If you know that you do not eat these foods regularly, it may be worth considering a multivitamin and mineral supplement with around 10mg of iron a day to help keep levels topped up.

 

A Man Is Not A Financial Plan – New Book Aims To Help Women Take Control

Posted on by

The Wealthy Woman: A Man is Not a Financial Plan: A Woman's Guide to Achieving Financial Security‘The Wealthy Woman – a man is not a financial plan’ is published January 2014.

 

Mary Waring has worked with 100s of women helping them take control of their finances.

 

Far too many women find ‘dealing with the money’ a daunting task and leave it in the hands of their partners. However, this can leave them with little control over their own financial lives and sadly, if they then get divorced or are widowed, they are left floundering with little understanding of how much money they have, or don’t have, and what this means to their lifestyle.

 

By understanding your finances and taking control you can make your money work for you. That’s the message in Mary Waring’s new book ‘The Wealthy Woman: A Man is Not a Financial Plan: A Woman’s Guide to Achieving Financial Security’ published January 2014.

 

“Many women tell me that they simply don’t do maths – and this mental block seems to be an epidemic among women everywhere. However, these are often admirable women with high-level jobs. My message is simple – you are more than able to handle all of your finances,” says Mary Waring.

 

So, do you want to be more confident about your finances?  Do you want to be a wealthy woman?

“Wealthy” will mean different things to different women. It doesn’t necessarily mean “rolling in it” and having so much money that you’ll enter The Times ‘rich list’. It may simply mean you feel confident you will have enough money to do the things that you plan to do in the future, no matter how lavish or frugal a lifestyle you lead.

Mary’s book will guide you on your journey to become a wealthy woman by showing you how taking small steps on a regular basis can lead to a significant increase in your wealth.

If you currently have such a lack of control over your finances that you are too afraid to open your credit card statement at the end of the month, this book will show you how to take control.

 

“The Wealthy Woman” will encourage you to think about your attitude towards money and your relationship with it.

As Mary says; “It’s easy to be wealthy just as it’s easy to be poor. There’s very little difference in the way you can become either. You are in a position where you can improve your wealth. Whatever your dreams and aspirations around money there is nothing to stop you moving towards those dreams.”

 

Mary Waring is an independent financial adviser and the founder of Wealth For Women, specialising in financial advice to women going through divorce. She is both a Chartered Financial Planner and a Chartered Accountant, being one of only a handful of advisers in the whole of the UK with this high level of qualification.

 

Mary is passionate about changing the way women think about finance. Too many women stick their head in the sand and ignore it. Or…rely on a man to sort it for them.

 

‘The Wealthy Woman: A Man is Not a Financial Plan: A Woman’s Guide to Achieving Financial Security’ is published in January 2014 and is available from Amazon and all good bookstores.

Top Tips to stop a dental disaster this Christmas

Posted on by

 

Food plays a big part in our Christmas celebrations, adding excitement and an excuse to eat our favourite treats! Recent stats from Denplan, the UK’s leading dental payment provider, show that 74 per cent of people consider themselves to have a good diet – but we all over-indulge at Christmas. In fact last year’s dental emergencies peaked for Denplan patients around the festive season, seeing a whopping 1946 claims in January.

To help you avoid any dental pain this Christmas here are some top tips on what to eat, as well as how to deal with a dental emergency, from Denplan’s Chief Dental Officer, Roger Matthews.

“Christmas is a time to enjoy, and we all like to treat ourselves at this time of year, but because we are eating and drinking more than usual, we can put ourselves at risk of damaging our teeth, and the last thing you want is a dental emergency over the festive period. If you do damage a tooth, it’s always best to get it looked at as soon as possible, to avoid further damage or discomfort. Here are my top tips on foods that won’t harm your teeth and which ones to eat with care!”:

Top Five Tooth Friendly Foods

1. Cheese! Christmas isn’t complete without a decent cheeseboard, so as you’re tucking into a chunk of cheddar you’ll be pleased to know that not only is it rich in calcium, which promotes healthy teeth, it also balances out the PH in your mouth which lessens the damaging effects of acid from a festive glass of wine on tooth enamel and helps kill bacteria that cause tooth decay and gum disease

2. We often have bowls of snacks lying about at Christmas, but instead of opting for crisps, why not opt for nuts instead? Peanuts (unsalted if possible) contain calcium and vitamin D, both vital for oral health as well as your general health. Walnuts, which are often used in puddings and cakes, also contain zinc fibre, folic acid, iron, thiamine, magnesium, vitamin E & B6, potassium and zinc – all of which play an important role in keeping our teeth and gums healthy

3. Christmas lunch is renowned for its abundance of vegetables. Broccoli and carrots in particular are great for your oral health as they contain vitamin A which help strengthens the tooth enamel

4. Crudités will promote good oral health as, because they are eaten raw, they massage your gums, which encourage blood flow, and clean your teeth too

5. The humble turkey provides us with a great source of protein, which is rich in phosphorus. This combines with calcium and vitamin D to make our teeth (and bones). By eating plenty of protein you will help reduce tooth decay and keep your teeth strong and healthy

Top Five Teeth Rotters:

1. Sweets, biscuits and cakes – Although the endless supply of chocolate and puddings it so tempting, try to keep them to a minimum as sugars are a prime cause of the acidic biofilm which causes dental decay. Acid resulting from frequent consumption of refined sugar dissolves the minerals essential for healthy teeth. When you do indulge, its best to have sweets in one go after your meal, rather than picking throughout the day

2. Fizzy drinks – If you like a bit of fizz in your soft drinks or mixers why not opt for soda water. Fizzy drinks are loaded with sugar and even sugar-free or diet drinks are still acidic and in excess can cause tooth enamel to erode away. But, if you can’t resist them, use a straw as this will lessen direct contact with your teeth

3. Processed cereals – Breakfast may not be the most important meal when it comes to the festive season, but if you’re looking to grab something quick and easy to set you up for the day try to avoid processed cereals as you’ll be amazed at how much sugar is hidden in these, much better to opt for porridge or bran based cereals – or, better still eggs! Either clean your teeth before you eat or half an hour after, to avoid damaging your enamel

4. Crisps – Cooked starch breaks down into component sugars – the main enemy for teeth. Why not opt for carbs low on the glycaemic index such as vegetable crisps instead?

5. Wine – We all love a glass of wine or two at Christmas, but white wine can be very acidic and contribute to enamel erosion, try drinking it just at your main meal, as drinking little and often is far worse than drinking once a day. Red wine can also increase the risk of staining, especially if you forget to brush your teeth as often as you should with the distractions of festive fun! If you are drinking red wine, try to remember to leave a gap before you brush your teeth to remove any stains

“However, if you do find yourself unlucky, falling over after a festive night out or cracking your tooth on your favourite Christmas sweets, here’s my step-by-step guide on what to do,” Roger continues:

What should I do if a tooth is knocked out?

Call your dentist immediately and book an emergency appointment, ideally within an hour of the incident as your tooth will have the best chance of surviving the trauma during this time
Handle the knocked out tooth by the crown (the top), not by the root (the pointed part on the bottom) as touching the root can damage cells that are needed to re-attach the tooth to the bone
Gently rinse the tooth in water to remove any dirt, but be careful not to scrub it. It is very important that the tooth doesn’t dry out – if you can, place the clean tooth in your mouth between the cheek and gum to keep it moist. Alternatively, wrap the tooth in a clean cloth and cover it with milk or a salty saline solution (the solution used for contact lenses)
If a baby tooth is knocked out, don’t try to insert it back into the mouth. The patient should be seen as soon as possible to make sure that none of the tooth remains in the mouth

How should I handle a chipped or fractured tooth?

If you fracture a tooth, rinse your mouth with warm water and use an ice pack or cold compress to reduce any swelling. Take ibuprofen, not aspirin, for pain, as this is an anti-inflammatory
Book an appointment to see your dentist at the next most convenient time, depending on how much pain you’re in
Minor fractures and chips can be smoothed out by your dentist with a sandpaper-like disc, while larger ones may be fixed using restorative procedure
Denplan patient, Dawn Schier, added: “One recent Christmas Eve most of one of my teeth fell out. I rang the dentist, who arranged that I could go to the surgery on Christmas morning. He did a wonderful job and I had a lovely Christmas lunch eating all the things that I didn’t think I could. Can you imagine how awful it would have been not to have been able to use Denplan’s services on Christmas day? It temporarily sorted my tooth out and I had a lovely Christmas lunch! I went back after Christmas and had the tooth fixed permanently.”*

Denplan as approximately 1.8 million registered patients whose products include a 24-hour worldwide dental emergency cover. To find out more about how you can be covered this season visit www.denplan.co.uk.**

* All dentists have different emergency opening hours, please check with your practice

** Terms and conditions apply

Dating Detox For 2012.

Posted on by

As we bid hello to 2012, we look forward with a sense of optimism and hope,. January is the month of choice to cleanse ourselves of any harmful toxins we carried over from the previous year. As we carefully select which diets and detox to choose, eHarmony.co.uk offer a revolutionary detox plan for 2012. Welcome the ‘dating detox’, a fool proof, four step detox plan for even the biggest skeptics to get you right back on track in your dating life.

Cleanse your outlook and get a fresh start for 2012 with four tips from Dr Gian Gonzaga, relationship expert for online match-maker eHarmony.co.uk,

Dr Gonzaga begins with a question: ‘If you were to conduct a self-diagnostic checkup on the condition of your dating life, which of the following would apply?’

a. Strong and robust, with optimal functioning.

b. Generally healthy, though periodically sluggish and listless.

c. Anaemic and frail.

d. Comatose.

“If you answered “C” or “D,” chances are you’ve been single for awhile now and you’re suffering from overexposure to potent dating toxins. There are remedies you can use for yourself when you feel depleted and discouraged in your search for lasting love.”

Here is a four-step therapy from eHarmony.co.uk, that guarantees to flush the dating fatigue from your system and put you back on track:

1. Purge.

Unsuccessful dating attempts often leave behind a debris field of unfulfilled desires, unresolved grievances, and unyielding regrets. These are toxic to your emotional wellbeing, not to mention your chances for future success in matters of the heart. A critical step in the process of dating detox is learning to let go! Forget the past, and choose to move on.

2. Consume carefully.

A regimen of dating detox must include monitoring your intake of words, thoughts, advice, and images related to romance. Stay away from “downer” friends who whine about how hard it is to find a decent man/woman. Tune out family members who complain about their lousy relationships. When you feel your mood beginning to sink toward self-pity, do something about it. Even small shifts in your “diet” can lead to dramatic positive changes.

3. Rebuild.

Detox is not just about getting rid of unhealthy habits and emotions—but replacing them with ones more likely to get what you want. In this phase, begin by identifying the kind of partner you aspire to be. Are there qualities on the list you don’t yet possess? Make a plan to get there. Next, describe the person you are looking for in detail. This will help you recognise those people who don’t quite measure up—and save you another round of detox down the road.

4. De-stress.

Relationship experts point out the negative impact of placing too much stress on the dating process. Lots of people put tremendous pressure on themselves and their dates, continually analyzing what was said or not said, what they did or did not do. Having a relaxed, low-pressure approach to life and love makes for happy individuals—and happy individuals make happy, healthy romantic couples.

Everyone needs a round of dating detox now and then and what better time than the breaking of a new year.