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	<pubDate>Sun, 28 Jun 2009 16:27:00 +0000</pubDate>
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		<title>How To Be Picture Perfect</title>
		<link>http://www.thedivanetwork.com/2009/06/how-to-be-picture-perfect.html</link>
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		<pubDate>Sun, 28 Jun 2009 16:27:00 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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<p>Members of young Hollywood are used to one thing: photographs! Some of today&#8217;s top trend-setters offer tips to look red carpet ready.</p>

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		<title>Why Do Some Men Stray into Infidelity?</title>
		<link>http://www.thedivanetwork.com/2009/06/why-do-some-men-stray-into-infidelity.html</link>
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		<pubDate>Sat, 27 Jun 2009 16:28:47 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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		<description><![CDATA[It’s - ‘Adultery’ and people indulging in such acts destroy their marital relationship while deeply hurting the people who love them most. Infidel people know that their acts are not only wrong but dangerous too, for revelation of their deeds would wreak havoc with their personal life. Yet, they are prepared to take such a great risk. 

What motivates them to do so? People of both genders are known to have extramarital affairs, but the circumstances that drive men into infidelity are different from those that turn women unfaithful. 
]]></description>
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<div align="justify">It’s - ‘Adultery’ and people indulging in such acts destroy their marital relationship while deeply hurting the people who love them most. Infidel people know that their acts are not only wrong but dangerous too, for revelation of their deeds would wreak havoc with their personal life. Yet, they are prepared to take such a great risk. </p>
<p>What motivates them to do so? People of both genders are known to have extramarital affairs, but the circumstances that drive men into infidelity are different from those that turn women unfaithful. </p>
<p>Is the Woman Responsible for Spousal Extramarital Affairs? </p>
<p>When apprehended, an adulterous man stoutly denies the affair or blames his spouse for driving him into committing such an act. Do women really drive their men into extra marital affairs? Some people agree that men are driven into seeking love outside marital boundaries, when it is non-existent in their marriage. Their spouse can partly be blamed for the loveless marriage. </p>
<p>Love and affection are vital not only for the survival of a relationship but also for making human existence happy. When it is repudiated, these lonely people stray outside marital confines seeking self-validation. </p>
<p>Denial of Love Makes a Man Vulnerable </p>
<p>Denial of spousal love makes people feel worthless and rejected and these feelings commonly turn them defenceless and they turn infidel. </p>
<p>Though marital unhappiness makes people susceptible, it is wrong to believe that every infidel person emerges from an unhappy home. Quite a few happily married men are also adulterous. It is individual thinking that makes them so. Men tend to draw a strict demarcating line between love and sex. Though they love their wife, they engage in illicit relationships to spice up life. Basically, it’s the cultural upbringing that determines whether adultery is perceived to be wrong or accepted. </p>
<p>Upbringing and Individual Attitude </p>
<p>Men are known to stray more than women in patriarchal households where the philandering men in the family are responsible for nurturing generations of infidel men down the line. The socio-economic conditions at the home front have a deep impact on the attitudes of the family members. It is heredity in such a lineage, to be strict with the women and encourage men to turn adventurous. As infidelity is forbidden by society and religion, the prohibition incites these adventurous men. The associated excitement of it makes adultery desirable. </p>
<p>These could be the general reasons that promote adultery. However, it is not right to blame anyone, and infidelity is usually individual responsibility. </p>
<p>Infidel Individual at Places of Work </p>
<p>Individuals, holding liberal views on adultery, are more inclined to have affairs in the office. Attraction between men and women is common while working in close proximity. If the physical relationship is followed by emotional attachment, the alliance turns stronger than the marital bond. </p>
<p>Once the extramarital relationship proves pleasurable and goes unnoticed by family, the man begins craving for more of such experiences. Such an excitement induces changes in the brain chemistry that makes adultery addictive. Addiction to adultery then becomes a problem that has to be handled by professional experts. However, it is not the work place alone where extramarital liaisons are developed; affairs can be developed at home too. </p>
<p>Online Affairs Developed at Home </p>
<p>In families where both the spouses are working, the wife spends all her free time with the children. The subsequent lack of attention induces the man to engage in other activities. It is at such leisure times that online relationships get developed. (Cyber affairs are alluring for the secrecy and privacy they offer.) </p>
<p>Developments of such affairs are usually accidental. Though the people concerned lack physical contact, they are deeply attached to their online partner. Such emotional bonding gives rise to intense crisis in the family. The good news is that, after enduring such distressing circumstances, marriages are turning stronger. The spouse of the infidel person wakes up and pays attention to marital problems by redressing them with remedial measures. </p>
<p>‘Adultery’ in a marriage, is a complex issue. Reasons as to what drives spouses to become unfaithful vary greatly and the factors leading to it differ according to gender. 9 out of 10 people disapprove infidelity, yet more than 3 out of 10 men develop extramarital relationships. Human heart is designed to love, and adultery is an offshoot of this characteristic. </p>
<p>About The Author - James Walsh is a freelance writer and copy editor. If you want to find out more about a solicitor managed divorce see <a href="http://www.managed-divorce.co.uk/" target="new">http://www.managed-divorce.co.uk</a> </div>

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		<dc:creator>Imaginary Diva</dc:creator>
		
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<a href="http://click.linksynergy.com/fs-bin/click?id=1EfJVMvdF6g&#038;offerid=138108.57570&#038;type=2&#038;subid=0" target="new"><IMG border=0 src="http://www.cellstores.com/images/phones/57570_l.jpg" width="116" height="267"></a><IMG border=0 width=1 height=1 src="http://ad.linksynergy.com/fs-bin/show?id=1EfJVMvdF6g&#038;bids=138108.57570&#038;type=2&#038;subid=0" >  <a href="http://click.linksynergy.com/fs-bin/click?id=1EfJVMvdF6g&#038;offerid=138108.57888&#038;type=2&#038;subid=0" ><IMG border=0 src="http://www.cellstores.com/images/phones/57888_l.jpg" target="new" width="116" height="267"></a><IMG border=0 width=1 height=1 src="http://ad.linksynergy.com/fs-bin/show?id=1EfJVMvdF6g&#038;bids=138108.57888&#038;type=2&#038;subid=0" >  <a href="http://click.linksynergy.com/fs-bin/click?id=1EfJVMvdF6g&#038;offerid=138108.57808&#038;type=2&#038;subid=0" target="new"><IMG border=0 src="http://www.cellstores.com/images/phones/57808_l.jpg"  width="116" height="267"></a><IMG border=0 width=1 height=1 src="http://ad.linksynergy.com/fs-bin/show?id=1EfJVMvdF6g&#038;bids=138108.57808&#038;type=2&#038;subid=0" ></p>
<p><strong>WIREFLY PRODUCT CATALOG</strong></p>
<p>Phones, Service Plans, Family Plans, Accessories, Ringtones, Upgrades</p>
<p><a href="http://click.linksynergy.com/fs-bin/click?id=1EfJVMvdF6g&#038;offerid=138108.10000440&#038;type=4&#038;subid=0" target="new"><IMG alt="Wirefly - Free AT&#038;T Samsung Eternity 3G Touch Screen Phone + Free FedEx Shipping with a new AT&#038;T account" border="0" src="http://linkshare.wirefly.com/linkshareimages/OOW/2009/040609/eternity_468x60.jpg" width="460" height="59"></a><IMG border="0" width="1" height="1" src="http://ad.linksynergy.com/fs-bin/show?id=1EfJVMvdF6g&#038;bids=138108.10000440&#038;type=4&#038;subid=0"></div>

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		<title>Specific Phobia - Which of the Two Different Types of Social Phobia Do You Have?</title>
		<link>http://www.thedivanetwork.com/2009/06/specific-phobia-which-of-the-two-different-types-of-social-phobia-do-you-have.html</link>
		<comments>http://www.thedivanetwork.com/2009/06/specific-phobia-which-of-the-two-different-types-of-social-phobia-do-you-have.html#comments</comments>
		<pubDate>Thu, 25 Jun 2009 16:31:14 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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		<guid isPermaLink="false">http://www.thedivanetwork.com/?p=4920</guid>
		<description><![CDATA[There are two different types of social phobia. The first is generalized, where anything and everything in the way of social interaction has the potential to send your nerves into overdrive. People who are only afraid of a few or a particular type of social interaction have non-generalized or specific social phobia.

To help determine if you are suffering from social phobia answer "yes" or "no" to the following three questions:]]></description>
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<div align="justify">There are two different types of social phobia. The first is generalized, where anything and everything in the way of social interaction has the potential to send your nerves into overdrive. People who are only afraid of a few or a particular type of social interaction have non-generalized or specific social phobia.</p>
<p>To help determine if you are suffering from social phobia answer &#8220;yes&#8221; or &#8220;no&#8221; to the following three questions:</p>
<p>1. Is being embarrassed or looking stupid one of your worst fears?</p>
<p>2. Does fear of embarrassment cause you to avoid interacting with people or doing things?</p>
<p>3. Do you avoid activities where you are the focus or center of attention?</p>
<p>Affirmative answers to these questions are a good indication that you may be struggling with the disorder. However, there are also physical symptoms and mental attitudes and behaviors that can help clue you in to social phobia.</p>
<p>Some of the physical symptoms that you might be struggling with include:</p>
<p>- blushing - sweating - nausea - dry mouth - tremors - diarrhea</p>
<p>Some of the mental and behavioral attitudes that you might be struggling with include:</p>
<p>1. You have an extreme and persistent fear of one or more social situations where you need to perform, interact or are exposed to unfamiliar people or scrutiny by others. You are afraid that you will humiliate or embarrass yourself by showing anxiety symptoms.</p>
<p>2. You experience terrible anxiety or a panic attack when being exposed to the feared social situation.</p>
<p>3. You know your fear is excessive or unreasonable.</p>
<p>4. You either suffer intense anxiety or distress about or avoid situations where social performance is required.</p>
<p>5. Your normal routine, work, social activities, or relationships suffer distress or deterioration as a result of fear avoidance.</p>
<p>6. You have trouble asserting yourself.</p>
<p>7. You obsess over the reactions and responses of others to what you say and do.</p>
<p>8. You are especially sensitive to critiques, evaluations, criticism or rejection.</p>
<p>While this list of symptoms, behavior and attitudes is a good start, it is not exhaustive and you certainly don´t need to encounter all of these problems to have this disorder. Unfortunately, many of the symptoms of the phobia are similar to panic disorder and agoraphobia so the phobia can often be confused with one of these other problems.</p>
<p>It is important to try to pinpoint the particular anxiety disorder you are struggling with. A doctor may need to assist you and should certainly be consulted if you have immediate concerns about your health or well being.</p>
<p>While many of the suggested tactics are similar for dealing with all three conditions, there are some important differences and the focus is different so it is important to define what you are struggling with.</p>
<p>Since social phobia is an anxiety disorder that frequently strikes children or begins in early adolescence and continues into and through adulthood, it is important to consider the manifestation of symptoms in childhood. Many of the physical reactions will be similar but for children they may also include:</p>
<p>- tantrums - crying - clinging to parents or other trusted and familiar people - freezing or lack of talking</p>
<p>Many of the behavioral and attitude symptoms will be the same but should be adjusted for the age of the child. Children will also struggle with expressing and understanding their fears. For children and adolescents it is important to distinguish between phobia symptoms and general adolescent growing pains.</p>
<p>The symptoms of this phobia often work in a vicious circle. The symptoms lead to actual or perceived poor performances, which in turn increase the anxiety and avoidance. Understanding the origins or causes of your social phobia will help with treatment and give you further insight into how to battle these feelings and the difficulties they present.</p>
<p>About the Author - Bertil Hjert<br />
Download your free eBook &#8220;Stop Panic Attacks and Deal with Your Anxious Thoughts&#8221; here: <a href="http://www.panicgoodbye.com/freereport.html" target="new'>Free Report Stop Panic Attacks </a>- From Bertil Hjert - The author of the PanicGoodbye-program. Read more about this brand new course at the: <a href="http://www.panicgoodbye.com/" target="new">Panic Goodbye Program</a></div>

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		<title>Rock The Recession, Pop The Question!!</title>
		<link>http://www.thedivanetwork.com/2009/06/rock-the-recession-pop-the-question.html</link>
		<comments>http://www.thedivanetwork.com/2009/06/rock-the-recession-pop-the-question.html#comments</comments>
		<pubDate>Wed, 24 Jun 2009 16:54:25 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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		<guid isPermaLink="false">http://www.thedivanetwork.com/?p=4916</guid>
		<description><![CDATA[Here's a brilliant idea - GemEx(R) Systems, Inc., the global leader in diamond Brilliance, Fire and Sparkle certification, today launched Rock the Recession, Pop the Question, a digital video contest in which lovebirds upload a video and offer their most romantic and persuasive plea to get engaged, for a chance to win a prize package worth $10,000, including a 1 Carat GemEx certified diamond engagement ring. Submissions will be accepted until July 31. 

To enter, create an original video, 1 to 2 minutes long, using your most creative, funny, sympathetic and romantic argument to convince your significant other to get engaged - despite today's economic times. Upload the video to <a href="http://www.diamondlightperformance.com/contest" target="new">www.Diamondlightperformance.com/contest</a>.
]]></description>
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<div align="justify">Here&#8217;s a brilliant idea - GemEx(R) Systems, Inc., the global leader in diamond Brilliance, Fire and Sparkle certification, today launched Rock the Recession, Pop the Question, a digital video contest in which lovebirds upload a video and offer their most romantic and persuasive plea to get engaged, for a chance to win a prize package worth $10,000, including a 1 Carat GemEx certified diamond engagement ring. Submissions will be accepted until July 31. </p>
<p>To enter, create an original video, 1 to 2 minutes long, using your most creative, funny, sympathetic and romantic argument to convince your significant other to get engaged - despite today&#8217;s economic times. Upload the video to <a href="http://www.diamondlightperformance.com/contest" target="new">www.Diamondlightperformance.com/contest</a>.</p>
<p>In addition to the GemEx certified diamond, the winners will be whisked away for a romantic getaway to New York City where they will enjoy luxurious accommodations at the famed Loews Regency Hotel. Winners will also be treated to lunch at The Palm&#8217;s newest New York City location in Tribeca with wedding planner Sharon Naylor. </p>
<p>Submissions will be accepted until July 31, 2009. The video must mention GemEx or show the GemEx logo at least once. Visitors can view all videos submitted, and can vote for their favorite through August. The 5 videos with the most votes will be judged based on creativity, humor, pathos, romance and persuasiveness by Randall Wagner, CEO of GemEx, author Sharon Naylor and Bruce Bozzi, Jr., Executive Vice President, The Palm. Judges will select the final winner. </p>
<p>The winner will be announced on or about September 15, 2009. To upload a video, go to <a href="http://www.diamondlightperformance.com/contest" target="new">www.diamondlightperformance.com/contest</a>. </p>
<p>The $10,000 prize package includes:</p>
<p>1 Carat Diamond Ring, certified by GemEx for superior Brilliance, Fire and Sparkle. </p>
<p>Round trip airfare to New York City for two, anywhere within the continental US </p>
<p>Two night stay at Loews Regency Hotel on Park Avenue </p>
<p>Lunch and Dinner at The Palm, Classic American Steakhouse </p>
<p>Meeting with America&#8217;s foremost wedding planner, Sharon Naylor and a collection of her Wedding Planning Books </p>
<p>VIP Appointment with a Bloomingdale&#8217;s Personal Wedding Registry consultant</p>
<p>SOURCE GemEx Systems, Inc. / PRNewswire</p></div>

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		<title>Skechers Shape Ups to be Big Summer Seller Says Fitness Footwear</title>
		<link>http://www.thedivanetwork.com/2009/06/skechers-shape-ups-to-be-big-summer-seller-says-fitness-footwear.html</link>
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		<pubDate>Tue, 23 Jun 2009 16:00:09 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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		<description><![CDATA[Renowned for their extensive range of lifestyle shoes at true value prices, Skechers have launched a new range of fitness footwear, championed by Shape Ups trainers -a unique new shoe which is designed to optimise exercise by simulating the effects of barefoot walking. 

As a result of the recession, there has been a fresh focus on traditional British pastimes, causing many to cancel their gym memberships as a means of reducing monthly spending and instead making lifestyle changes such as walking to work instead of taking public transport as a more economical form of exercise. ]]></description>
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<div align="justify">Renowned for their extensive range of lifestyle shoes at true value prices, Skechers have launched a new range of fitness footwear, championed by Shape Ups trainers -a unique new shoe which is designed to optimise exercise by simulating the effects of barefoot walking. </p>
<p>As a result of the recession, there has been a fresh focus on traditional British pastimes, causing many to cancel their gym memberships as a means of reducing monthly spending and instead making lifestyle changes such as walking to work instead of taking public transport as a more economical form of exercise. </p>
<p><a href="http://www.fitnessfootwear.com/c-301-shape-ups.aspx" target="new">Skechers Shape Ups </a>couldn&#8217;t have come at a better time, not only by meeting the demand for MBT trainers, which still remain unavailable online, but by offering an affordable exercise product from a trusted brand. </p>
<p>Hertfordshire based online retailer Fitness Footwear has already seen tremendous sales for Skechers Shape Ups ahead of release. </p>
<p>&#8220;Sales began as soon as Shape Ups were available to pre order and they haven&#8217;t stopped&#8221; said Fitness Footwear MD <a href="http://www.google.com/profiles/lukebarlow88" target="new">Luke Barlow</a>. &#8220;However, due to the technical nature of the product, we have ensured that our customers are well informed before making a purchase.&#8221; </p>
<p>Skechers provide an excellent booklet which quickly explains how Shape Ups are designed to promote weight loss, tone muscles, improve posture and get in shape without setting foot in a gym. </p>
<p>Fitness Footwear has also prepared their own <a href="http://blog.fitnessfootwear.com/skechers-shape-ups-guide/" target="new">Skechers Shape Ups Guide</a>, detailing how the rapid urbanisation of our environment has led to cushioned shoes and the requirement of fewer muscles for walking as a result. Skechers have designed their Shape Ups to change this and work those muscles by simulating barefoot walking with a soft kinetic wedge insert and dynamic rolling bottom. </p>
<p>As our feet have evolved to walk on soft uneven surfaces (like soft sand), your heel will sink into the Shape Ups cushioning as you step, then roll forward on to your forefoot as weight shifts across the foot, before finally pushing of with your toes to take another step. </p>
<p>By using this full movement of the foot in the way nature intended, walking in Shape Ups will result in stronger leg, buttock, back and abdominal muscles as you stabilise your steps. </p>
<p>There are many online resources which explain the benefits of <a href="http://www.walking.org/p/walking-barefoot" target="new">walking barefoot</a>. This article from Walking.org also recommends the new Skechers Shape Ups as an effective aid to walking exercise. </p>
<p>But Shape Ups are more than just a fitness shoe, they are a Skechers fashion shoe; allowing you to look good while getting fit and are ideally suited to people with a busy lifestyle. This means that they can be comfortably worn while walking to and from work, doing the daily chores and are styled to match your casual clothing. </p>
<p>But Shape Ups are more than just a fitness shoe. By allowing us to walk in the manner that nature intended, Skechers Shape Ups provide essential workout from walking and look good too. </p>
<p>People are looking for a cost effective way to stay in shape and when a product like this is coming from one of the world&#8217;s most trusted brands and at a reasonable price, Skechers Shape Ups looks certain to be a success all year round. </p>
<p>Skechers Shape Ups are available now at Fitness Footwear -the web&#8217;s widest choice of sports and outdoor shoes. </p>
<p>Source: PRWEB</p></div>

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		<title>Post Your Resume Free At HotResumes.com</title>
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		<pubDate>Mon, 22 Jun 2009 16:57:55 +0000</pubDate>
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		<title>Weird and Wonderful Recipes Just For Fun</title>
		<link>http://www.thedivanetwork.com/2009/06/weird-and-wonderful-recipes-just-for-fun.html</link>
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		<pubDate>Sun, 21 Jun 2009 16:51:23 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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		<description><![CDATA[There have always been really strange recipes around that are passed from kitchen to kitchen until they fade and a new fad takes over. Usually they are perfectly edible, they may even taste quite good, but at least one ingredient is strange or used in a peculiar way.

Bacon Mugs

I found a version of this on Stumble. The resulting mugs make great containers for salads, rice etc. Use small ovenproof dishes upside down. These you cover with foil pressed well down. ]]></description>
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<div align="justify">There have always been really strange recipes around that are passed from kitchen to kitchen until they fade and a new fad takes over. Usually they are perfectly edible, they may even taste quite good, but at least one ingredient is strange or used in a peculiar way.</p>
<p>Bacon Mugs</p>
<p>I found a version of this on Stumble. The resulting mugs make great containers for salads, rice etc. Use small ovenproof dishes upside down. These you cover with foil pressed well down. These you cover with bacon. I t is best if you cross two rashers over the upturned base and then wind one or two more rashers in and out to make a bacon basket. Cook these on a baking tray to catch drips. How long they take to become crisp will depend upon the bacon and your oven. A hot oven is best, but may produce some smoke. The bacon will shrink of course, but removed carefully from the foil after cooling and they should keep their shape. I must try this with vegetarian bacon, but these crisp up really quickly so keep a careful eye on them. Another idea might be to create a basket in a long, shallow dish.</p>
<p>Carrot Jam</p>
<p>This comes from a Second World War time book, so is really old. The fact that the recipe has survived this long must mean that it is worth making. Next time I make carrot cake I will split it and spread it with some of this. I cannot give quantities as it depends upon how much mashed carrot you have.</p>
<p>Wash and peel your carrots. Chop them small and boil in slightly salted water until soft. Drain and sieve or chop finely in a food processor. To one pound of this pulp add on pound of sugar , 1 teaspoon of powdered ginger and the juice and grated zest of a lemon. Boil all these together as when making any other jam. Pot when it begins to get thick.</p>
<p>Rose Petal Jam</p>
<p>My darling Granddad would allow me to pick his precious roses to make this. Some petals, especially white ones need trimming at the end where they join the flower as this part of the petal can produce a bitter taste.</p>
<p>2 mugs of rose petals packed fairly tightly, 2 ½ mugs of sugar, 2 mugs of warm water, 2 tablespoons of honey, 1 teaspoon of lemon juice.</p>
<p>Cut the petals into ¼ inch strips. Cover with the water and cook for about 10 minutes. Strain this, reserving the petals, and use the liquid to make a syrup with the sugar and honey. Boil and then simmer for 5 minutes before adding the petals once more. Then cook on the lowest possible flame for about 40 minutes– an asbestos mat helps with this recipe. Add the lemon juice and cook for a further 20 minutes. Pour into sterile pots and seal. Some would want to add a little colouring, but I am a purist and never do.</p>
<p>Jelly Fruit – Americans would probably call these Jello Fruit.</p>
<p>I remember these as a great treat at birthdays when I was a child. Somehow eating the jelly from out of a fruit shell made it taste better – at least in my imagination.</p>
<p>Each fruit will give you 4 portions. Halve your oranges. Remove all the flesh taking care not to damage the skins. Place the dry skins upright on a tray, or better still balance them in muffin tins which means that they stay upright more easily. Make up your jelly/jello a little thicker than normal and pour into the empty shells as full as you can as it shrinks a little when it sets. Place the tray in fridge and let set. Then cut each half shell once more so that the orange shell is now in quarters which make them much easier to eat. All you have to do now is to think of something to do with all that orange flesh. Now that my family is grown I wonder if it will work as jelly shots?</p>
<p>About the Author - Guido Nussbaum </p>
<p>Discover the best <a href="http://www.bakedporkchoprecipes.com/" target="new">Baked Pork Chop Recipes</a> and <a href="http://www.frozenalcoholicdrinkrecipes.com/" target="new">Frozen Alcoholic Drink Recipes</a></div>

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		<pubDate>Sat, 20 Jun 2009 16:12:27 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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		<title>Think the Economic Outlook Is Bad for You? Try Being an Aging Woman</title>
		<link>http://www.thedivanetwork.com/2009/06/think-the-economic-outlook-is-bad-for-you-try-being-an-aging-woman.html</link>
		<comments>http://www.thedivanetwork.com/2009/06/think-the-economic-outlook-is-bad-for-you-try-being-an-aging-woman.html#comments</comments>
		<pubDate>Fri, 19 Jun 2009 16:58:48 +0000</pubDate>
		<dc:creator>Imaginary Diva</dc:creator>
		
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		<description><![CDATA[With major U.S. corporations declaring bankruptcy and the housing market persisting in its decline, can the financial picture get any worse? If you're an aging woman, the answer is yes.

A report released today by the Women's Institute for a Secure Retirement (WISER) tackles this issue head-on. Based on interviews and a day-long roundtable discussion with more than 30 retirement experts, How Can Women's Income Last As Long As They Do? moves beyond the traditional debate over how to amass savings for retirement and focuses instead on what to do with assets once retirement comes. The report asks the fundamental question: "How can our society protect our nation's older women against significant financial risks in retirement?"]]></description>
			<content:encoded><![CDATA[<p style="margin: 0px 0px 10px 10px; float: right;"><a href="http://www.anrdoezrs.net/ed81kjspjr697EBBB8687B7FEFB" target="_blank" onmouseover="window.status='http://www.sara-freder.com/';return true;" onmouseout="window.status=' ';return true;"><img src="http://www.ftjcfx.com/ls72jy1qwuFIGNKKKHFHGKGONOK" alt="FREE psychic reading" border="0"/></a></p>
<div align="justify">With major U.S. corporations declaring bankruptcy and the housing market persisting in its decline, can the financial picture get any worse? If you&#8217;re an aging woman, the answer is yes.</p>
<p>A report released today by the Women&#8217;s Institute for a Secure Retirement (WISER) tackles this issue head-on. Based on interviews and a day-long roundtable discussion with more than 30 retirement experts, How Can Women&#8217;s Income Last As Long As They Do? moves beyond the traditional debate over how to amass savings for retirement and focuses instead on what to do with assets once retirement comes. The report asks the fundamental question: &#8220;How can our society protect our nation&#8217;s older women against significant financial risks in retirement?&#8221;</p>
<p>Convened by WISER, retirement experts met in Washington to identify the appropriate role of government, employers, the financial services industry, families and women in making sure women&#8217;s income lasts as long as they do. The WISER report is based on the roundtable discussion and survey research provided by Mathew Greenwald &#038; Associates and the MetLife Mature Market Institute.</p>
<p>The concerns about retirement income insecurity are not new: People aren&#8217;t saving enough, they&#8217;re not investing intelligently, and they aren&#8217;t going to have enough money to live 30 years or more in retirement. When it comes to women in particular, these concerns are far more pressing:</p>
<p>Women at age 65 are expected to live, on average, another 20 years &#8212; four years longer than men. Money they have saved for retirement, if any, must last longer than men&#8217;s. </p>
<p>Less than half of today&#8217;s working women have access to pension or retirement savings plans at work.<br />
Women are likely to spend some of their retirement years alone due to widowhood or divorce. For women age 85 and older, only 13 percent are married with a spouse present. </p>
<p>Nearly 40% of older women living alone depend on Social Security for almost all of their income, and more than half would be living in poverty were it not for their Social Security benefits.</p>
<p>&#8220;Women are at real risk of living a life of poverty in their older years,&#8221; says Cindy Hounsell, President of WISER. &#8220;As a group, we tend to live longer, earn less, and take time away from paid work to care for our families, and we have less in retirement savings.&#8221;</p>
<p>The reality is that one in five single women age 65 or older lives in poverty. But common retirement planning guidance leaves us all at risk. The goal, according to many advisers, is to save enough money to support our life expectancy. But people &#8212; especially women &#8212; don&#8217;t need life expectancy income, they need lifetime income. The gap between these goals is the crisis confronting millions of women in retirement.</p>
<p>&#8220;With workers losing so much of their retirement savings to our volatile economy over the past year, being able to stretch what&#8217;s left over a lifetime is even more important,&#8221; says Hounsell. &#8220;All of us have a responsibility &#8212; employers, government, the financial industry, and individuals &#8212; to find a meaningful solution to retirement poverty for women.&#8221;</p>
<p>WISER is committed to continuing the search for answers, and the release of this report is just the beginning. Thought leaders will reconvene in December to further discuss viable solutions, picking up on the themes from the report released today.</p>
<p>How Can Women&#8217;s Income Last As Long As They Do? Thought Leaders Discuss Managing Assets in Retirement is available for download on WISER&#8217;s website at wiserwomen.org.</p>
<p>The Women&#8217;s Institute for a Secure Retirement works to provide low- and moderate-income women with basic financial information aimed at helping them take financial control over their lives, and to increase awareness of the structural barriers that prevent women&#8217;s adequate participation in the nation&#8217;s retirement systems.</p>
<p>    Contact:<br />
    Martha Patzer<br />
    WISER<br />
    202-393-5452</p>
<p>SOURCE Women&#8217;s Institute for a Secure Retirement / PRNewswire</p></div>

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