Tag Archives: Age

Shopping for a new watch can be an overwhelming task. Now, imagine shopping for a watch for a woman.

However, we are here to help you. This list will help you to narrow down your search, reduce your stress and pick the perfect watch for the wearer.

#1. Match the Watch to the Wearer

Best Equestrian Watches Each Horse Lover Should Take a Look At | HRN

When you are buying a women’s watch, you should consider the style of the potential wearer.

For example, ask yourself the following questions:

  • What is her jewellery or accessory taste? Is she, for example, a fan of wristwatches? If so, what type of wristwatch does she prefer? Or, is she more of an outdoors person, who fancy more sports watches?
  • For what occasion are you getting that watch for her? Are you getting her a watch for her birthday? Or, one that can function in her field of work?

Now, here is a list of some of the common style watches that you are readily available at Moments Watches & Jewelry:

  • Women’s Casual watches: These types of watches, which often come with leather straps, usually have a broad face that makes them easy to read and can be worn for casual wear.
  • Women’s Dress Watches: These watches are meant specially for formal events. And, what’s unique about them? Their straps are usually beautiful leather or metal bands and they consist of gemstones or other such details that stand out.
  • Women’s Fashion watches: These trendy-yet-classic watches, which consist of intricate detailing, can become the MVP of your outfit. The watch cases are integrated into the straps, which can make the perfect bracelet and create a stunning fashion statement.
  • Women’s Sports watches: A sports watch, manufactured explicitly for outdoor use, is a very functional, durable and usually water-resistant watch. Some can look unmistakably athletic, while others mask their functionalities behind their bright, sleek and stylish designs. However, elegant or plain, round or square, black-and-white or colourful, sports watches can help you to track your daily activities, whether it includes running, biking, swimming, or bullying yourself through countless weightlifting reps.

#2. Age of The Wearer

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It is also essential to consider the age of the wearer when you are selecting. For example, would you choose the same style of watch for your hot-and-young wifey and your 70-year-old mother? The answer is evident.

Let me give you some help there: For a mother, you can choose a timeless piece with a small face and beautiful leather straps or metal straps. And, I am sure silver and gold colours will match her style better.

But, when it comes to, for example, a teenage daughter or even a girlfriend, a fashionable watch with gemstones and a bracelet wrist is the best choice. Opt for a watch in her favourite colour and she will love it more.

#3. The Skin Tone

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In general, skin tone can be classified into two: cool or warm. So, take a look at the colour of the vein inside your arms and you will identify your skin tone.

Bluish-coloured veins and pinkish or rosy-red undertones are associated with those who have cool skin tones and it is claimed that most people have such skin tone (even those with dark or tanned skin).

But, when it comes to warm skin tones, they are mostly recognized by greenish-coloured veins and yellow or golden-apricot undertones. Those with fair skin have a warm skin tone.

So, base on the skin tone, you can decide what type or style of watch will be best for the wearer.

#4. Colours, Colours and Colours

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More than men, women not only know the power of colour but will also often prioritize it. Colours represent a lot of things for women and are considered very personal and even emotional.

For instance, if the wearer fancies blue, opt for a blue watch. Or, if the woman is more of a “princess princess pink”, go for a pink watch.

#5. Movement

Top 5 Ladies Designer Watches to Buy | Watchroom24

If you think women don’t bother about the way a watch works, then I am sorry, but there’s no greater fool than you.

Generally, there are three types: mechanical, quartz and automatic.

  • As the mechanical ones give more the fifties vibe, it is best to avoid them.
  • Now, if the wearer is a pretty enthusiastic person, opt for the automatic watch.
  • Quartz watches, which are powered by battery, are also reliable options, which are more affordable than the automatic ones.

If you want to find the perfect watch, why don’t you take a look at Moments Watches & Jewelry?

 

 

 

 

 

 

 

 

 

 

 

 

Retirement planning should start from the moment you get your first job. It is not a simple process but is actually a multi-step process that evolves over time.

 For a secure, comfortable, and fun retirement, you will need to build the financial cushion that will fund everything you need and want. If you want your retirement to be stress-free and enjoyable, you will have to tackle the serious and perhaps boring part from the get-go: planning how you’ll get there.

This post will, therefore, cover the 10 things you must absolutely do (no matter what your age) to build a solid retirement plan.

Tip #1: Saving Starts Very Early On

If you are already saving, keep going! Whether it’s for your retirement or another goal, you need to save and keep saving. If you haven’t started saving yet, it’s time to get started. It’s a very rewarding habit, and the more you save, the more you’ll want to keep saving. The important part is to devise a plan, set goals and stick to them.

Tip #2: Know your needs

You have to be realistic when planning your retirement. Retirement is expensive and if you want to maintain your standard of living when you stop working, you will have to plan ahead and take charge of your financial future. Think about your spending habits and the things that you’d like to cross off your bucket list when you plan.

Tip #3: Check your employer’s pension plan

Check to see if you are covered by the plan and find out everything you can about the plan from your employer. You must understand how it works. You can even ask for an individual benefit statement to see what your benefit is worth. Also, remember to find out what will happen to your pension benefit before you change jobs.

Tip #4: Contribute to your employer’s retirement savings plan

If you are in the US, your employer may offer a retirement savings plan, such as a 401(k) plan, while if you are in Canada, the retirement plan they offer may be the Registered Retirement Savings Plan. The good thing about these plans is that they are tax-deductible. Sign up and contribute!

Tip #5: You Can Suggest that Your Employer Start A Retirement Plan

If your employer doesn’t offer a retirement plan, you can always ask them to start one. It will not only benefit you, as there are some simplified plans out there that can help both you and the employer. There is a wide range of retirement saving plan options available in almost every country.

Tip #6: Consider Investment Principles

Essentially, this means that you’ll have to calculate inflation and the after-tax rate of investment returns to assess the likelihood of the portfolio producing the desired income. Hence, how you save will be just as important as how much you save.

Tip #7: Consider Putting Money in an Individual Retirement Account

Individual Retirement Account (in the US) or Tax-Free Savings Account (in Canada) can be just as helpful. When you open an Individual Retirement Account (IRA), you have two options – a traditional IRA or a Roth IRA. You can put up to $5,000 a year into the Roth IRA and the Tax-Free Savings Account (TFSA).

Tip #8: Don’t Withdraw from Your Retirement Savings Until You Retire

This is pretty straightforward. Touching your retirement savings before you retire, you will not only lose principal and interest but you may also lose tax benefits. In some cases, you may even have to pay withdrawal penalties.

Tip #9: Don’t Be in a Hurry to Collect Your Social Security Benefits

In some countries, you can receive benefits as early as age 60 even though the retirement age is at 65. In other countries, you can start accessing your social security benefits at 62. While you may be tempted to start collecting them as soon as you can, it’ll be better to delay these benefits until you reach full retirement age.

Tip #10: Reduce Debt and Avoid New Debt as You Age

The more debt you have, the more interest you pay. So, not only will that mean one less monthly bill that you will have to worry about after you retire, but it also means you will be able to save more. Try the snowball method: you start by paying off the smallest of your debt and then gradually move to the largest ones.

Most Importantly: Do Not Be Afraid to Ask Questions

While the tips we outlined in this post are meant to point you in the right direction, you’ll most likely need more information. You can talk to your employer, your bank, your union, a financial adviser or an insurance company, such as Nonmed Insurance Inc. to get practical advice. Do not hesitate to ask them as many questions as necessary and make sure you understand the answers.

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