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real coach bags could relate as well and began to structure her client advisory approach around empowering women to develop a financial plan and to more fully understand their investments.The problem with irrational fear is that it often leads to inertia or denial, she says.This may explain why many accomplished women leave financial planning to their husbands, despite a high divorce rate and the fact that many women outlive their husbands, she says.In fact, the loss of a spouse through divorce or death is the leading catalyst driving Canadian women to take charge of their financial planning and investments, according to the 2007 TD Waterhouse Female Investor Poll.Still, 60 per cent of the women surveyed by TD Waterhouse said they had no contingency plan in case their spouse suddenly died or became seriously ill. And only 16 per cent of the women surveyed said they had a financial "Plan B" in case of divorce.Patricia Lovett Reid, senior vice president for TD Waterhouse Canada Inc., says the poll results suggest women are "overly reliant on their partners with respect to financial planning and managing household investments.""Nobody likes to think about divorce, let alone plan for it," Lovett Reid says. "But almost four in 10 marriages end before the 30th wedding anniversary."Further, the TD Waterhouse survey found only one in four women had a formal financial plan and only half were involved in managing their investments. A full 50 per cent conceded they did not know much about their investments and let others make their investment decisions. census data finding the average age of widowhood south of the border