HOTLINE: Sunday, May 11Posted: Updated:
Dr. Art Mollen
Dr. Mollen's Practice is located at 16100 N. 71st St. in Scottsdale. For more information call 480-656-0016, log onto www.drartmollen.com, or e-mail him at email@example.com.
If you'd like to add Sunday's Sweetheart or any other pet to your family, contact The Arizona Humane Society at 602-997-7585. For more information about AHS events and programs, visit www.azhumane.org.
Moms & Money
Did you know Grandma earned less than half of what Grandpa did? Today, moms are making more, but they're still only taking home 70 percent of their husband's salary. Local financial professional Joe Gleason shares tips on what moms can do to help level the playing field and make sure their daughters face an even brighter financial future.
Q: What can moms do to improve their financial situations?
Every family's financial situation is unique, but there are five things moms and all women should be thinking about right now:
1. Take Inventory -- Whether you're single or married, write down all your account/joint account information: investments, bank accounts and savings accounts. Take inventory of all sources of current income and talk to your spouse. I have a great worksheet to help you do that on my website, www.azfinancialplanning.com. Do this while your spouse is still around. I work with too many widows who don't have information about their money/investments after their spouse passes - or after a divorce.
2. Save, Save, Save -- Women must save more than men do. Women generally live longer. According to a 2011 study by Wells Fargo, wives live eight to 10 years longer than their husbands if they are married when they're the same age, and more than 75 percent of women will eventually be widows. A woman's career may be interrupted because of her responsibilities as the primary caregiver for children or even for her parents when they get older, making savings even more important.
3. Always Negotiate Salary -- The majority of women feel like they are underpaid. According to a Glamour survey, 62 percent of women said they believe they are underpaid. Statistics show they are right. Women are making 77 cents to a man's dollar in this country. Here's the irony: only 42 percent of women asked for a raise. However, four out of five who asked for a raise got it.
4. Take a Leap -- To close the pay gap, women will need to take a leap in their careers. But research shows women hold back from applying for jobs because they are concerned about whether they currently have the skills. Women only apply for jobs if they think they meet 100 percent of the criteria listed. Men will apply for a job if they feel they meet 60 percent of the requirements, according to an internal report at Hewlett-Packard.
5. Learn to Say No -- A bleeding heart can be murder on a budget. A woman will often fund her children's education before her own retirement or loan money to relatives that may never be repaid. Women need to pay themselves first. If you have ever flown, you have heard the flight attendant remind you to put the life vest and oxygen mask on yourselves first, even before you help family members.
Q: What can moms do to help the next generation of women face an even brighter future?
Start by talking to your kids, and it seems moms are getting that message. Ninety-two percent of women are talking to their daughters about money and making it the number one topic of conversation -- more than sex, drinking, drugs or politics. But talking is just the first step. It's important for moms and dads to be good financial role models with your day-to-day finances, your long-term goals, and your savings.
Gleason Financial Group
12211 W. Bell Rd. Ste. 203
Surprise, AZ 85378
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We get a rundown on the Valley's hottest jobs from Ryan Naylor.
To send questions to Chef Dad, email firstname.lastname@example.org. For more of Chef Dad's recipes, go to www.chefdad.com. For more information on Dad's Catering, go to www.dadscatering.com.
Chef Dad’s Italian Pasta Salad
-1 lb. pkg. pasta (penne, bow tie, macaroni, or your favorite shaped pasta)
-10 oz. grape tomatoes (sliced in half or thirds, depending on how big they are)
-1 cup black olives (pitted, drained and sliced)
-1 cup Spanish olives (small- to medium-sized, drained and sliced)\
-8 oz. salami (your favorite, cubed)
-8 oz. Provolone cheese (cubed)
-1/2 cup Parmesan cheese (grated)
-1 cup Italian dressing (your favorite brand, shaken well)
-1/2 cup Mayonnaise
1) First, prep your meat, veggies and cheeses then set aside.
2) In a small bowl, whisk together your mayo and Italian dressing then set aside.
3) Before boiling our pasta, we need to make an “ice bath.” This will be used to “shock” the pasta when it comes out of the boiling water. We do this because we want the pasta to stop cooking and cool down as well. Get a large bowl filled 1/3 of the way with ice. Now add water till it comes about 1/2 full.
4) Get a large pot of salted water over high heat up to a boil for your pasta. Put it in and cook the pasta per its package instructions. When it’s done, drain well. Keep the pasta in your strainer then dunk it in your ice bath for a few minutes to cool. Pull the strainer out of the ice bath to drain again. Set the pasta in the strainer on your counter then blot it with a paper towel to remove the excess water from the noodles. Now put the noodles in a large bowl so we can mix the remaining ingredients together.
5) Combine the ingredients by first adding the pasta, tomatoes, olives, both meats and cheeses. Toss to combine then add your mayo/dressing mixture and mix well. Taste the mixture then add desired amount of salt and pepper. I usually start out with about 1/2 tsp. of salt and 1/4 tsp. of pepper, but you may not want any at all. Cover bowl and refrigerate for at least two hours or up to overnight. This recipe serves at least 12 to 16 people as a side dish.
Cooks option: I let my grocer's deli do most of the work by ordering the salami and Provolone sliced 1/4 of an inch thick. That way, when I get home, all I have to do is cross cut those slices to make my small cubes. If your salami slices have a thick outer skin on them, remove it before cubing the meat. Other optional ingredients which we like are pepperoni or freshly diced bell peppers. Finally, you can leave out the mayo if you want, just add another 1/4 cup of Italian dressing to the mix. But if you leave the salad in the fridge for an extended period of time, you may need to add a bit more dressing to it since the pasta will absorb the dressing after 12 to 24 hours.