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And if you’re new to the table, bring a friend. Murphy has recently criss-crossed the country speaking to groups of women about their money. She notes that one thing that helps reluctant women get involved is to do it with a friend. Events where the invite has said “bring a friend” draw standing room-only crowds, she says. “Women love talking to each other about their experiences and once they get started they do very well. There’s an unwarranted confidence gap that doesn’t play out.”
And women are nothing if not team players. In Vanguard’s 2014 study “How America Saves,” which tracked the behavior of participants in the retirement plans it administers, the fund company found that women are more likely than men to seek professional help in managing their portfolios, mainly through the use of balanced and target-date mutual funds. (The former hold a fairly static mix of stocks and bonds; the latter adjust their asset mix as the fund approaches the target date.) And Vanguard’s research shows that participants who use professionally managed portfolios have better results than those who don’t. “Women are natural collaborators,” says Ketterer. “Building a team is playing to our strengths.”
MS. MELANNE VERVEER: Well, good afternoon everybody. It's a real personal pleasure for me to be here today. I can't tell you how inspired I was listening to Christy, and if she has proven anything it's that one person can make a difference. So, I think that's the lesson to take out of that. And thank you to Bank of America for all that you do in making not just this possible but so much more. 

A bigger presence of women in the area of business management if essential. I personaly don’t know if it’s correct to assume that woman have a different way of thinking when compared with man in waht concerns this area, but to be too restricted to any specific “kind” of people (specific gender, ethnicity, whatever) is archaic and not beneficial at all to any sector. So there is a considerable importance in correcting this concentration of men.
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This is really important. The investment gap and the pay gap are closely related. A lot of us know about the pay gap—that women make about eighty cents on the dollar compared to men with the same job and experience. And investing amplifies that difference, thanks to what Albert Einstein once called the eighth wonder of the world: compounding. Which means that, over time, the difference between investing a little and investing a little more becomes profound. Basically, if you don’t invest much, and you don’t start early enough, you’ll end up with a lot less when it’s time to retire. Once you stop working, your retirement savings becomes your income. And more income means more choices: the choice to take time off for family, change jobs for something you love but that may not pay as well, leave a bad relationship, travel the world…money equals choices.
MS. JOSEFINA URZAIZ: Thank you. First of all, well thank you, I'm very grateful to be here and honored to be part of this as a mentee in this week. Our organizations that lead have the goal to alleviate poverty, and the way we do this is by empowering women in rural communities in Mexico where I'm from. We employ 900 women who hand weave the hammocks from home, so I don't break that family structure. And to give you perspective, each hammock takes about two weeks to weave because they do it in their spare time, and the impact that we have reaches 3,200 people on an everyday basis.
2. "Do I look like a handout? I am independent woman and I expect men to pay for dates and I also want someone who can take care of me, if I choose to be a full-time housewife." This is one of the most common lines that I have heard. I am always confused what does this actually mean. Do you want to be a full time housewife or not? How can you claim to be independent while expecting men to pay? No, I am not kidding.
According to the Boston Consulting Group, between 2010 and 2015 private wealth held by women grew from $34trn to $51trn. Women’s wealth also rose as a share of all private wealth, though less spectacularly, from 28% to 30%. By 2020 they are expected to hold $72trn, 32% of the total. And most of the private wealth that changes hands in the coming decades is likely to go to women.
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And the hot thing. First girls need to judge their "hot level" before they want try to leverage it. I've meet plenty of girls that think they're gorgeous because their friends tell them so. Girls will say other girls are attractive (in a straight way) by their personality, how "cute" they dress, how much weight they've lost, etc. Guys equate "hot'ness" to legs, tits, ass, & attractiveness of facial features (generally speaking). In all sincerity, if you haven't been known for those (the latter) things most of your life or haven't had a ton of the more desirable men in your social circles blowing you up all the time, then you probably won't have that type of power over the guys in your office. If those things do apply, just don't be a stone cold bitch, like the coupon cunt from from above, be nice, and you've got pretty good get out of jail card. IMO.
‘It’s not really relevant whether you are a man or a woman in investment banking,’ said Lorraine. ‘You are one of the team from the beginning.’ Macquarie Capital’s Tara agreed: ‘Men and women face very similar challenges; all employees have to evolve and make a successful transition from an analyst to being able to sell and generate money. It’s the same for men and women in that respect.’
Right before review time, update the goals you’ve met and how you’ve grown. Practice talking about them at home, if you might get flustered. (I’ve been doing this for a lot of years, and I still get flustered.) Then go ask for that raise or promotion, even if you don’t think you’re 100% ready. According to one study, women ask for a promotion when they’re 100% ready, and men when they are just 60% ready. Hmm.
Says Bourke, “In the first part of 2014, we completed four oil and gas deals totaling $350 million. We found, even in the heart of the oil patch, traditionally known as a male dominated industry, it is more the exception than the rule that both the decision to sell as well as the selection of the most appropriate buyer was a joint decision involving a central female stakeholder. It makes business sense to direct deliberate attention to building an investment banking firm that leverages the talent and experience of the female workforce.”
Best Advice: “When I was younger finance sounded scary, but it really isn’t. You can have an interest in health care or technology and that translates into finance in some way. Consider your interest in one thing and see how it connects to finance. I was interested in technology and then saw how it connected to finance. That made it less scary. Fintech or financial technology is actually really exciting right now.”
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Investing itself, we’re in favor of. (You might have picked up on that, since we’re a company named Ellevest.) Especially investing in low-cost, well-diversified investment portfolios. That’s because — we’ve said it before, and we’ll keep saying it — we really, really need to fix the gender investing gap. Women don’t invest as much as men — we keep 71% of our money in cash (in other words, out of the market). This is part of the reason that we retire with two-thirds the money of men (even though we live longer).
JPMorgan, for instance, holds ‘Winning Women’ events which offer networking opportunities and guidance for prospective female investment bankers. Morgan Stanley has several diversity initiatives, including a leadership program for newly promoted female managing directors, a six-month leadership program for women vice presidents, as well as a women’s business exchange within the bank’s wealth management unit. On the more practical side, Goldman Sachs for example is accommodating mothers with on-site child care at its New York and New Jersey offices, as well as on-site lactation rooms.
MS. URZAIZ: I'll say four words: More women in power. I think we need more women, whether it's holding public office, whether it's in business, whether it's, the person I'm trying to make a decision at Lowe's to whether to buy my hammocks or not. Just those decisions where it's just decision-making positions we need more women because women relate better to other women. No offense to the men here, but it's easier to make that connection, to know that they have our agenda at first when they make those decisions for policy, for so many things. Just more women in power I think is what will get us to the next level. So many policies have been put in place, but now we need women making those decisions and driving those decisions.

MS. SMITH: No, thank you. And thank you to this panel, thank you to all of you. Thank you to all of our panelists and our amazing speakers. I'm inspired. I'm inspired by everyone, and I wrote down a few things. I mean hammocks, the 5,000 Lowe's hammocks, or the bank in Ethiopia, the small loan is 1.8 million. I mean I think we've got some things we can learn here. I mean the dinner kit to the, sold already and now online catering. I mean the stories are amazing. So, Alyse, thank you for the partnership for the last five years, and thank you to all of our mentees and mentors for being here. we're so excited to be able to do the program in the United States, in our corporate headquarters, which is fantastic. And as Margaret reminded me I'm the only thing standing between all of you and the reception. So, my last comment though is please come to the reception because our mentees will have wears from their businesses, and they'll be able to talk to you about all of the things that they're doing. So--
October 14, 2018, JAKARTA –  An important editorial on widening women’s access to financial services by Taimur Baig, Chief Economist of DBS Bank and member of Women’s World Banking’s Southeast Advisory Council, has been published in a special IMF edition of The Jakarta Post. The 2016 Financial Inclusion Survey, carried out by the Financial Service […]
MS. URZAIZ: I'll say four words: More women in power. I think we need more women, whether it's holding public office, whether it's in business, whether it's, the person I'm trying to make a decision at Lowe's to whether to buy my hammocks or not. Just those decisions where it's just decision-making positions we need more women because women relate better to other women. No offense to the men here, but it's easier to make that connection, to know that they have our agenda at first when they make those decisions for policy, for so many things. Just more women in power I think is what will get us to the next level. So many policies have been put in place, but now we need women making those decisions and driving those decisions.

According to Veris Wealth Partners and Catalyst At Large, investment-advice firms, by last June $910m was invested with a gender-lens mandate across 22 publicly traded products, up from $100m and eight products in 2014. Private markets are hard to track, but according to Project Sage, which scans private-equity, venture and debt funds, $1.3bn had been raised by mid-2017 for investing with a gender lens.
If you’re looking for a way to automate your own investment strategy or want to start investing on a small-scale without using a broker or firm, an investment app might be the right platform for you. If you type in “investment apps” in the app store search tool, hundreds of options will pull up, but not all will help you grow your savings to hit a solid return.

Positive intent can be a powerful motivating force for change and growth in our lives, but the truth is that it’s often not enough—this is the reason why the majority of us fail to completely commit and follow through on the resolutions we make each year. The truth is, most resolutions flounder in the starting gate without any real forward progress ever being made, and many others are met with a feeble, half-hearted effort that eventually goes nowhere. We need more than a positive attitude and hope—we need a plan.
Of course, this means that women face greater expenses than men. At one end of the spectrum, they will need to meet their basic necessities for more years; this includes rent, utilities food and all the other little expenses that occur each month. At the other end of the spectrum are the big ticket items like healthcare; since the average woman will be elderly for longer than the average man, women are likely to face higher healthcare costs. These costs can include items such as insurance, medicine, hospitalization, surgery and long-term care.

Managing your checking account, saving up for vacation, paying your bills on time and making sure your credit score is on point can be stressful. As for choosing the best financial app that works for you, you want to make sure that it’s not only aesthetically pleasing and provides content to help you grow your financial literacy, but most importantly that it  assists you in setting and achieving those financial goals of yours.
Every time I was in an awarding of an Scientific Olympiad in my country (Brazil), I found strange that there were much more boys than girls, and it was a truth since 6th grade until High School. Well, I could not accept that there were nothing wrong with it because I knew some very intelligent girls. Before I get into High School, I studied in a regular class and some of the best grades were from girls, they potential was tremendous but they simply did not want to dedicate to this side. When I moved from my school to another and entered in a class focused in Sciences (Math, Physics and Chemistry) I realized that the majority of boys were a problem not just in the Olympiads, but in this area (STEM) itself (ant least in my country, but I believe that it unfortunately extends to other places as well). For me, it’s impossible to assume that this situation is due to a kind of “difficult” that girls would have in this subjects, as some supposes, even because some woman that I know are more than excellent at them. I believe that it’s a result of cultural scars left by a past in which girls were destined to stay in home and take care of things, a work that does not necessarily require much study. Than boys mass-dominated the STEM area. And now, due to the lack of representativity, the young girls don’t see themselves in this areas as much boys do. They do not look and imagine they being successful at it because very few were. They basically judge themselves as incapable and the shore as impossible. Of course, it’s not true, but some of them think it is. And so, the lack of women in this area causes a lack of women entering in this area… a loop. A sad loop…
“The more women manage funds, the more funds get channeled into issues women care about,” says Nathalie Molina Niño, CEO of Brava Investments. “When someone brings on one female fund manager, we’re talking about potentially billions of dollars that get moved in a different direction.” She says that questions like “How many of your fund managers are women?” used to be rare in the industry, but now that more and more people are asking, large institutions are getting nervous—mostly because the answer is often “none” or “few.”
I shared this experience with other female colleagues in the office, who agreed that it was totally inappropriate and assured me I’d have their full support if I wanted to report this incident to my manager. My manager (who is a male) was also extremely supportive, reaffirming that this is not the kind of behavior we’d want to espouse with future managers and leaders of the firm. He escalated the situation to HR, who has noted this on this employee’s record. While I’m not sure if any further steps will be taken, I’m glad there was an open communication channel between me and my manager where my opinion was respected and handled with sensitivity. 
I don't know. Average starting salary for a T10 MBA in a variety of fields is very high. I doubt non finance Wharton graduates are making 65K a year or something like that. Suppose this woman has 5 years of serious brand management or marketing experience behind her at a huge company. She gets an MBA in finance from Columbia or something and goes into a non banking role. I would assume her salary would be 80-90ish with a bonus.
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Says Bourke, “In the first part of 2014, we completed four oil and gas deals totaling $350 million. We found, even in the heart of the oil patch, traditionally known as a male dominated industry, it is more the exception than the rule that both the decision to sell as well as the selection of the most appropriate buyer was a joint decision involving a central female stakeholder. It makes business sense to direct deliberate attention to building an investment banking firm that leverages the talent and experience of the female workforce.”
Networking isn't just about meeting people to get career help. It's also about meeting others that you can help. We always remember those who have gone out of their way to be helpful. Also, people move around and you never know where they will land. So make an impression that you are a 'go to' person who can be relied on for help, and you’ll find your kindness repaid in a million ways.

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But surveys also show that men are more likely to treat investing as an end in itself. In other words, men pitch themselves against the market, and consider outperforming the market to represent success. Women, in contrast, tend to see their investing as a means to an end -- a way of accumulating enough money to, for example, buy a house or retire early. A corollary is that, rather than focus solely on commercial gains, more women look for businesses that have a social purpose or are at least sustainable. This is true for all kinds of investments: according to UBS, 88 percent of women want to invest in organizations that "promote social well-being."
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Senior investment bankers spend a lot of time bonding with promoters, CEOs and fund managers. These investments yield results as the closer an advisor is to a client emotionally the more likely he/she is to get business from him. There is an innate feeling of brotherhood that comes into play here. Human beings are emotional creatures don't take fair decisions all the time. So people bond over drinks, sports, poker, travel, profanities etc. This is an area where women find it difficult to break in for obvious reasons. India is still sometime away from accepting women in this role. And this significantly impairs their ability to source business. Those who can get around this hurdle are sorted.
Once I asked my dad a question who is an entrepreneur, “Do you think women are treated differently from men in work field?” He said, “No, as an owner of a company, we explore the full potential of every employee and make sure their talent is best used. Otherwise, why should we hire a person and why do we waste our money?” This dialogue between my dad and I partly illustrates the expectations of an employer — it’s not the gender that matters. It’s the capability that matters. Then, we talked about the status of women in China. We both believe that the status of female employee is increasing. But this doesn’t mean inequity has been put to a stop. Instead, more and more people come to speak out about their unfair experience. Even then, it is still a global problem that women are rejected due to stereotypes.
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