ASSE Student Exchange Program, a highly respected, non-profit, public-benefit organization, is seeking local host families for high school boys and girls from Scandinavia, France, Germany, Italy, Thailand, China, South Korea, and the former Soviet Republics. Students are already awaiting word on who their host families will be for the 2019-2020 academic school year. If your goal was to try something new for the new-year, this will fulfill that! Host families provide room, board, and guidance for a teenager(s) living thousands of miles from home. Couples, single parents, and families with or without children in the home are all encouraged to apply.
The exchange students arrive from their home country shortly before the 2019-2020 school year begins and each ASSE student is fully insured, brings his/her own personal spending money and expects to bear his/her share of household responsibilities, as well as being included in normal family activities and lifestyles.
If you are interested in opening your home and sharing your family life with a young person from abroad, please contact us today for more information, call (800) 733-2773, go online at www.ASSEhosts.com or email asseusawest@asse.com
Founded by the Swedish National Department of Education, ASSE International (formerly American Scandinavian Student Exchange) is a non-profit, tax-exempt, public benefit organization. ASSE is officially designated as an exchange visitor program by the United States Department of State and cooperates with the Canadian Provincial Ministries of Education.
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TOP 10 CITIES WHERE MORE WOMEN OUTEARN THEIR PARTNERS
In the 10 major U.S. cities with the highest rates of couples with female breadwinners, roughly three in 10 couples have a woman earning more than her partner.
This is a contrast to other surveys that have found higher rates of female breadwinners, such as 49% of women who said they were the primary breadwinner in an NBC News-Wall Street Journal poll. The difference in these findings could be attributed to single women or single mothers who are the household’s sole income earners. Women may be more likely to be breadwinners in these surveys that include those who report they’re not competing with a partner for that title.
When they are paired up, however, our analysis shows that women are less likely to be the higher earner. Here’s a closer look at the 10 major U.S. cities that had the highest rates of female breadwinners.
1. Hartford, Conn.
Women who are partnered up are the most likely to be the breadwinner if they live in Hartford. Here, 31.3% of coupled women outearn their partner. This could be thanks to the higher parity of pay in this city, where the gap between men and women’s earnings shrinks to just 17.8%.
2. Minneapolis
Next is Minneapolis, which has almost the same rate of female breadwinners, with 31.2% of coupled women earning more than their partners.
Minneapolis also took the No. 2 spot in our ranking of the best cities for working women. Its high ranking is due to a number of factors, but it’s a true standout for low unemployment among women and decent workplace protections for pregnant women and mothers.
3. Columbus, Ohio
In Columbus, 30.7% of partnered women are the breadwinners. Overall, women here make about $0.19 less per dollar than their male counterparts, well in line with the average among all 50 cities included in this analysis.
4. Providence, R.I.
Providence, R.I. has a female breadwinning rate of 30.5%. This is no surprise, given that it’s the eighth-best city for working women.
While the gender pay gap is above average here, at 19.9%, Providence has above-average rates of women in management positions along with better policies for maternity and parental leave.
5. Baltimore
Among women in Baltimore who are part of a couple, 30.2% outearn their partners. Here, women earn just 18.8% less than men, giving them a better chance of landing pay that beats their significant other’s salary.
6. Sacramento, Calif.
The third-best city for working women, Sacramento, also has one of the highest rates of female breadwinners: 30.0%.
It offers a lower pay gap between genders, with women earning just 14.6% less than men. Sacramento also gets a boost from California’s robust policies and benefits for pregnancy, maternity and family leave.
7. Boston
Boston is the next city with the highest rate of coupled households for which women are the breadwinners, at 29.6%. The gender pay gap here is 18.9%, which is just below average.
8. San Francisco
Next is another top city for working women, San Francisco. Here, the gap in median pay by gender is 18.7% and women outearn their partners 29.5% percent of the time. As another Californian city, women workers in San Francisco are also likely to benefit from strong parental and family work policies.
9. Memphis, Tenn.
In Memphis, women are the breadwinners in 29.4% of couples’ households — that’s despite its ranking as the second-worst city for women. It has just a few redeeming factors, however, such as the above-average number of female managers and the below-average childcare costs in Memphis.
10. Richmond, Va.
Couples in Richmond are among those most likely to be led by a female breadwinner, with 29.2% of women out-earning their partners. Women here earn $.192 less for every $1 male workers earn, only slightly above the average. Still, working women in Richmond are more likely to receive employer-provided health care and more affordable child care costs, which can offset this pay gap.
10 CITIES WHERE WOMEN AREN’T BREADWINNERS
Along with the 10 cities that had the highest rates of women out-earning their partners, we also found the 10 major U.S. cities where women were the least likely to be breadwinners. In these cities, around a quarter (or fewer) of women with partners bring home higher pay than their significant other.
Most of these cities were also among the worst places for women to work, including Detroit and Oklahoma City. Still, low rates of female breadwinners isn’t always a sign of a city that disadvantages women, as three of these cities were among the 15 best places for working women: Austin, Texas; Phoenix; and Virginia Beach, Va.
How the gender pay gap affects shared finances
Overall, this study is another sign of how women are often behind when it comes to pay. The gender pay gap is a big contributor to the low rate of female breadwinners, but it affects more than just women.
When a woman is paid less, this impacts her partner too. The entire household comes up short, setting back financial goals such as paying down debt, building security and savings, and managing money day-to-day.
Some women will also feel the pain of the wage gap more than others, too. Same-sex couples comprised of two female earners, for example, will be doubly hit by the setbacks of the gender pay gap. Women who are the sole breadwinners might also find that they’re having to support their family on less pay than many men in the same position. And for women who earn less than their partner, a separation or divorce can be particularly problematic for their finances.
Many of these factors are outside of U.S. women’s immediate control — but that makes it all the more important to focus on improving their finances where they can.
Here are some ways women can work to close, offset, or compensate for the gender pay gap.
Work on increasing your income. The top cities are proof that the gender pay gap doesn’t have to be universal, and many women are finding ways to close or even overcome it. Take a look at your current pay and do some research through sites such as PayScale or Glassdoor to figure out if it’s fair. If it’s not, it might be time to ask to be paid what you’re worth, either with your current employer or a new one.
You can also look out for career training and opportunities that could act as stepping stones to higher-paying positions. You can even create your own opportunities to boost your income and grow your skills with a side hustle.
Share costs fairly. There are a lot of ways for couples to manage their money together, so look into different methods and decide together on one that’s equitable. If your partner earns twice as much as you, for example, does it really make sense to split expenses 50-50? Discuss how you can work with differences in pay to ensure that both assets and expenses are equally and fairly shared.
Make savings a priority. Women in a couple must save for their own future, regardless of what they earn. It can be wise to have your own checking or savings accounts that are held in your name alone, where you can build financial security independent of your partner. It’s also wise to set up your own retirement accounts and contribute to those regularly, as well.
Manage debt wisely. Debt can be a huge source of stress for couples. On top of that, debt accrued in marriage can be considered jointly shared, making you equally responsible for its repayment even if your spouse took it out. So it’s smart to practice good budgeting habits, live within your means and avoid getting into debt. Even if you’re not married, your or your partner’s debt will still affect shared money goals and lower the debtor’s ability to contribute as equally. Work on paying debt off faster, and look into ways to lower costs such as credit card consolidation.
While women with a partner are still less likely to be the breadwinners than partnered men, it doesn’t have to hold back their finances. Choose a significant other who values and equal partnership and practices sound financial management. Aim for higher-paying positions at work to try to close the gender gap. Then improve your own money skills and knowledge so you can make the most of your income.
TOP 50 PLACES WITH THE MOST WOMEN BREADWINNERS
Methodology
Analysts used the U.S. Census’ American Community Survey 2017 microdata hosted on IPUMS to determine the percentage of coupled households with a female partner, where a female partner had the higher income. The analysis was limited to the 50 largest metropolitan statistical areas in the U.S.
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3 Last-Minute New Year’s Resolutions
To Enrich Your Retirement
If you still haven’t made resolutions for 2019, it’s not too late – especially when those resolutions involve your retirement.
Because when it comes to having enough money to survive – let alone flourish – during retirement, plenty of Americans are coming up short. For example, fewer than half of retirees – just 46 percent – agree that their retirement nest egg is large enough, according to a new survey by the nonprofit Transamerica Center for Retirement Studies.
As a result, too many people end up struggling when they should be enjoying the later years of their lives, says Andrew McNair, founder and president of SWAN Capital (www.SWAN-Capital.com).
“It’s not enough to have a certain amount of money in your portfolio,” McNair says. “You want to have a guaranteed check coming in in addition to your investments.”
As 2019 begins to unfold, McNair suggests you make and follow through on these three financial resolutions:
“Figuring out the best way to make your savings stretch over the next 25 to 30 years can not only be confusing, it can also be overwhelming,” McNair says. “But it doesn’t have to be that way. With the right planning and the help of a financial professional, you should be able to protect your financial assets while making the lifestyle you desire possible in retirement.”
About Andrew McNair
Andrew McNair is the president of SWAN Capital (www.SWAN-Capital.com), an independent financial services firm in Pensacola, Florida. He has experience in the fields of retirement income, wealth preservation, and long-term care and has a strategic partnership with an attorney for estate planning services. McNair also is the author of Tithe: A Living Testimony and Don’t Be Penny Wise & Dollar Foolish. His financial commentary has appeared in the Wall Street Journal, Forbes, Fox Business, Market Watch and Kiplinger.
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WATERPARKS
NORTH AMERICAN TOUR
ONE OK ROCK, STAND ATLANTIC
TICKETS ON SALE NOW
JANUARY 9, 2019 - God's favorite boy band, Waterparks, will tour North America with One Ok Rock and Stand Atlantic kicking off February 19th! For a full list of dates, please see below. Tickets can be purchased at: www.waterparksband.com
Last year, the band's most popular release to date, Entertainment, garnered massive buzz from outlets such as Nylon, Billboard, and Alternative Press, as well as a headlining tour last fall. Waterparks also spent the entire summer on the final cross country run of the Vans Warped Tour headlining the main stage. Fans can listen to and watch the music videos for the hit singles "Blonde", "Not Warriors", "Lucky People" and "We Need To Talk". Fans can also stream or purchase the album now through iTunes, Apple Music and Spotify.
Entertainment made an impressive debut on the Billboard Top 200, charting #7 Rock Albums, #5 Indie, #25 Top Current Albums, #18 Digital and #36 Physical. The record was named one of Alternative Press Magazine's Most Anticipated of 2018 and was produced by Benji Madden and Courtney Ballard (All Time Low, 5 Seconds of Summer).
North America Dates
w/ One Ok Rock & Stand Atlantic
February 19 - Salt Lake City, UT @ The Depot
February 20 - Denver, CO @ Gothic Theatre
February 22 - Minneapolis, MN @ Varsity
February 23 - Milwaukee, WI @ The Rave
February 24 - Chicago, IL @ House of Blues Chicago
February 26 - Detroit, MI @ St. Andrews Hall
February 28 - Toronto, ON @ Rebel
March 1 - Montreal, QC @ Le National
March 2 - Philadelphia, PA @ Theatre of Living Arts
March 3 - Boston, MA @ Paraside
March 5 - New York, NY @ Terminal 5
March 6 - Baltimore, MD @ Rams Head Live
March 8 - Atlanta, GA @ Masquerade
March 9 - Orlando, FL @ Hard Rock Live
March 11 - Houston, TX @ House of Blues Houston
March 12 - Dallas, TX @ House of Blues Dallas
March 13 - San Antonio, TX @ Aztec Theater
March 15 - Phoenix, AZ @ Van Buren
March 16 - Las Vegas, NV @ House of Blues Las Vegas
March 17 - San Diego, CA @ The Observatory
March 19 - Los Angeles, CA @ Hollywood Palladium
March 20 - San Francisco, CA @ The Garfield
March 22 - Vancouver, BC @ Vogue
March 24 - Seattle, WA @ Showbox SoDo
For More Information, please visit:
Website: www.waterparksband.com
Facebook: www.facebook.com/waterparks
Twitter: www.twitter.com/waterparks
Instagram: www.instagram.com/waterparks
