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Men still take the lead in retirement planning: survey

Survey finds Canadians aren’t sure how much they’ll need for retirement Men still take the lead in retirement planning: survey A lack of involvement is leaving women potentially exposed to financial hardship in later life Keywords Retirement,  Women IE Staff A global study of attitudes to retirement and financial planning commissioned by HSBC reveals that 65% of men make all or most of their household’s financial decisions without input from anyone else. The only area where women are more likely to be the decision-maker is in managing the household budget, where 37% of women globally take sole responsibility, compared to 34% of men. Even here, this gender gap disappears among those in their thirties, with younger men taking a stronger interest in domestic budgeting than older generations. In Canada, when planning for retirement, about half of all men (49%) and women (54%) say they share responsibility for making decisions about saving for retirement. However, the gap widens when it comes to men (34%) and women (24%) who say they take, or are given, sole responsibility for these decisions. There is greater gender equality in China and South Korea, where just 3% fewer women than men take sole responsibility for retirement planning. Taiwan is the only country where more women than men say they are solely responsible for taking decisions about saving for retirement (39% compared to 35% of men). These findings come as part of the latest in a series of reports on retirement and financial planning from HSBC, which is based on a survey of 17,000 people in 17 countries across five continents. Retirement planning is a key area where men tend to take the lead globally, with four in 10 men (39%) claiming sole decision-making responsibility, compared to 25% of women. Many women believe they are more involved in planning their financial future than men think they are. When asked who is involved in making or reviewing their financial plans, women are more likely than men to say that they share this process with their spouse or partner. “It is disappointing and concerning to see that there is still such inequality globally between men and women of all ages when it comes to making decisions about saving for retirement,” says Margaret Willis, executive vice president, head of retail banking and wealth management, HSBC Bank Canada. “Preparing for retirement is one of the most important aspects of financial planning, and a lack of involvement is leaving women potentially exposed to financial hardship in later life.” HSBC found that the discrepancy between the sexes in planning for retirement is consistent across all age groups, suggesting that attitudes to this aspect of the family finances are not changing over time. Research released by HSBC in May this year showed that many women are not prepared for retirement, with just 24% of women in their fifties claiming to have a financial plan in place. The findings of the survey suggest that many women are aware of the potential risk that this poses, especially among those working part-time, 30% of whom said they think they will not be able to cope financially when they retire. These women are also more likely than any other group (61%) to see good financial planning as extremely important in achieving a happy retirement. “Women need to be encouraged to play a more active role in financial decision-making. While it might be practical for one partner to take the lead in research or action, decisions should be discussed and made jointly on a fully informed basis. This will help ensure that families are better prepared for the future and will also ensure women are less financially vulnerable,” says Willis. Macklem points to child care, education to help ease protracted employment recovery Earnings surge for Great-West Lifeco in Q4 Related news Share this article and your comments with peers on social media Facebook LinkedIn Twitter read more

Jessica Jo Tate enjoys first AGDF victory aboard Faberge

first_img Email* We’ll send you our regular newsletter and include you in our monthly giveaways. PLUS, you’ll receive our exclusive Rider Fitness digital edition with 15 exercises for more effective riding. Horse Sport Enews The evening’s showcase class, the FEI Grand Prix Freestyle CDI4*, presented by Havensafe Farm, saved the best for last. Jessica Jo Tate (USA) piloted Elizabeth Guarisco’s 17-year-old gelding Faberge to their first ever Adequan® Global Dressage Festival (AGDF) victory in week eight of the 12-week winter spectacular held at the Palm Beach International Equestrian Center (PBIEC) in Wellington, Florida. AGDF 2020 runs for 12 weeks, through March 29. Tate has been riding the son of Florestan I for 11 years and has had her eye on winning a cooler from AGDF for much of that time.Dongseon Kim (KOR) finished second on Belstaff, with the in-form Japanese Olympian Kiichi Harada once again gracing the podium, this time filling third on Egistar with 70.745%.Tate, who splits her time between South Carolina and Wellington, said: “I’m so proud and really pleased with my horse. We haven’t shown since Devon [in September], so we’ve been doing a lot of fitness with him. He really was so with me tonight and had a lot of energy. He loves the crowd, so that’s always fun to bring a horse like that here. I’ve always wanted to win a cooler at Global, so this was amazing that I got to put one on for the four-star freestyle. It was really a special evening and for sure a highlight of my career so far. We’re just totally thrilled.”Tate, who rode to music made by Marlene Whitaker, added: “Faberge is like a Labrador Retriever. He is the most friendly, kind-hearted, wonderful horse. We always need to work on our energy, so riding at night in the cool weather like this helps us. He just has the most wonderful workman-like character, and he really tries his heart out for me.”Betsy Juliano of the class sponsor Havensafe Farm said: “We’re privileged in this place and in this venue to see horses progress year after year after year. JJ is an example of that, with this horse – I’ve seen her compete this horse year after year, and tonight here we are. I’m thrilled!”Second-placed Dongseon Kim (KOR) was having his final ride in the international arena on Belstaff, as he marks his retirement from the sport at this show after a decade to pursue a career as an investment banker. He rode his own Brentano II stallion to 72.43%, with two of the five judges placing him first.“I really wanted to win, but it didn’t go as planned,” he said. “I really practiced the one-tempis to make sure there were no mistakes, but these things happen. This is my first international season with him, so I think there were still some miscommunications, but I’m still really happy.“The horses are going to be sent to my good friends in Europe who are much, much better riders than me and who can give them the best career that they deserve. I’ll still ride for fun at the weekends, and maybe I would like to come back eventually.”Stephen Clarke, who presided from C, said: “The way the riders interpreted the music I thought was great, especially for the crowd. I think it’s so good for the sport when you see riders really taking some risks and really developing these freestyles in an interesting and difficult way. It makes it fun and brings the sport forward.”Kiitchi Harada had a busy evening. He was third in the four-star freestyle on Egistar, and won the FEI Grand Prix Freestyle CDI3*, presented by Summit Farm on his other ride at the level, Fairytale S. He logged his first ever international win on the Noa Co Ltd’s 16-year-old Reve D’Or gelding with a freestyle borrowed from his trainer Christoph Koschel just hours earlier.“It was my first freestyle with Fairytale,” said Harada, who is vying for a place on the Japanese team for this year’s Olympics. “I learned the music just today, a few hours ago, but it really fit to him. I feel the horse loved the freestyle and expect maybe he’ll do much better later on. Egistar was hot today and a bit difficult for me to control. Maybe Egistar was a little bit jealous of Fairytale.”Harada was most closely pursued in the three-star class by Nora Batchelder (USA) who finished second with 71.835% on Andrea Whitcomb’s 12-year-old Fidertanz gelding Faro SQF. Third went to another Japanese rider, Akane Kuroki, who is still getting to know her new ride Zuidenwind 1187, a stallion by OO-Seven. They scored 71.49% after winning the qualifying grand prix.In the final of the Palm Beach Dressage Derby class, sponsored by Summit Farm, in which riders are paired with unfamiliar, loaned horses and ride a prix st georges test, the triple reigning champion Christoph Koschel (GER) went head-to-head with Jan Ebeling (USA). Koschel is somewhat of a Derby class specialist, having won in Hamburg, Munich and Palm Beach. His route to the final came when he rode Melanie Peterson’s Zinca earlier in the day, knocking out Steffen Peters (USA). Ebeling won his semi-final against Pia Fortmuller aboard Lynda Tetreault’s Cor De Lys.Each rider was given five minutes to familiarize themselves with Karen Pavicic’s Totem before the test. Koschel proved unbeatable yet again tonight, riding the eight-year-old to 70.221% versus Ebeling’s 66.397%. Of the gelding by Totilas, whom Pavicic has had since a foal, Koschel said: “The Prix St. Georges is not the end for this horse; you can really feel the grand prix horse in him and he’s very willing to collect. I really enjoy it when they’re so willing. I tried my best and I want to say a big thanks to all the owners, especially Karen with this really special horse, who I think has a big future.”The young Spanish rider Pablo Gomez Molina, who works for Yeguada De Ymas, dominated the FEI Intermediate I CDI3*, presented by Harmony Sporthorses. On Furst Fiorano Ymas he scored 72.99%, their best result to date in this test. The 25-year-old rider splits his time between Wellington and Europe.He is riding Yeguada De Ymas’ 13-year-old stallion by First Piccolo in their third season at international small tour. Gomez Molina has worked for the stud for seven years and rides around 12 horses a day. He won the class with almost 5% in-hand over second-placed Lauren Sprieser and Guernsey Elvis (68.235%). Winner of Wednesday’s Prix St. Georges class, Cesar Parra rounded out the podium on GK Don Cesar with 67.696%.It was another hefty score that landed the winner’s sash in the FEI Prix St. Georges CDI3*, presented by CabanaCoast. All three top placed riders broke the 70% barrier, but it was Endel Ots who came out on top to lead the USA’s whitewashing of the class, filling the top five slots.Wellington-based Ots rode the 11-year-old mare Sonnenberg’s Everdance, who was bred at Sonnenberg Farm in Oregon, to 73.775%, with the flying changes being a particular highlight and attracting a nine from the experienced British judge Stephen Clarke. This was the Johnson daughter’s first CDI show. Ots held off a challenge from Jami Kment who recorded 72.745% on Gatino Van Hof Olympia, by Apache. Meagan Davis was third on Damocles HLF (70.981%).Week eight of the 12-week AGDF continues on Saturday with eight international classes, including the FEI Grand Prix Special CDI3*, presented by The Brooke USA and the Mission Control-sponsored FEI Grand Prix Special CDI4*, which kicks off at 15.45pm. Adrienne Lyle (USA) will be bidding to do the double on Salvino, having topped the qualifying grand prix class on her Tokyo Olympics hopeful. AGDF 2020 runs for 12 weeks, through March 29. For more information and results, visit www.globaldressagefestival.com.FEI Grand Prix Freestyle CDI4*, presented by Havensafe Farm1. Jessica Jo Tate (USA) on Faberge, Elizabeth Guarisco’s 17yo Westfalian gelding by Florestan I: 73.75, 71.95, 74.9, 74, 72.525, 73.4252. Dongseon Kim (KOR) on Belstaff, his own 13yo Hanoverian stallion by Brentano II: 74.225, 73.275, 72.375, 71.325, 70.95, 72.4323. Kiichi Harada (JPN) on Egistar, Hanuka Taguchi’s 17yo KWPN gelding by Cabochon: 70.3, 72.45, 68.55, 73.125, 69.3, 70.7454. Karen Lipp (USA) on Whitney, Kathleen Oldford’s 15yo Hanoverian mare by White Star: 69.55, 67.2, 72.25, 70.275, 68, 69.4555. Jessica Kozel (USA) on Denzello, Jeevraj Grewal’s 17yo Hanoverian gelding by De Niro: 68.3, 66.725, 68.525, 71.625, 69.05, 68.845FEI Grand Prix Freestyle CDI3*, presented by Summit Farm1. Kiichi Harada (JPN) on Fairytale S, Noa Co Ltd’s 16yo AES gelding by Reve D’Or: 73.425, 72.7, 76.4, 72.625, 72.9, 73.612. Nora Batchelder (USA) on Faro SQF, Andrea Whitcomb’s 12yo Hanoverian gelding by Fidertanz: 72.175, 71.95, 72.45, 71.125, 71.475, 71.8353. Akane Kuroki (JPN) on Zuidenwind 1187, her own 16yo KWPN stallion by OO-Seven: 72, 73.075, 69.85, 72.375, 70.15, 71.494. Eiren Crawford (CAN) on Godot SSF, Carroll Tolman & Erin Crawford’s 9yo KWPN gelding by UB40: 70.575, 69.35, 72.4, 68.75, 69.925, 70.25. Nicole Harrington (USA) on Wizard Of Oz, Three Oaks Farm LLC’s 14yo Hanoverian gelding by Weltmeyer: 66.55, 65.1, 66.45, 69.375, 66.275, 66.756. Krystalann Shingler (CAN) on Fidelio, her own 12yo Oldenburg gelding by Fidertanz: 64.725, 68.225, 64.65, 67.075, 65.575, 66.057. Elisabeth Austin (USA) on Steeped In Luck, Keith Douglas’ 18yo Irish Draught stallion by Mount Diamond Flag: 64.65, 64.775, 67.75, 67.2, 64.25, 65.7258. Pamela Aide (USA) on Bon De Niro P, her own 14yo KWPN gelding by Son De Niro: 62.2, 64.5, 62.95, 66.825, 63.8, 64.055 SIGN UP Subscribe to the Horse Sport newsletter and get an exclusive bonus digital edition! More from News:MARS Bromont CCI Announces Requirements For US-Based RidersThe first set of requirements to allow American athletes and support teams to enter Canada for the June 2-6 competition have been released.Canadian Eventer Jessica Phoenix Reaches the 100 CCI4*-S MarkPhoenix achieved the milestone while riding Pavarotti at the inaugural 2021 CCI4*-S at the Land Rover Kentucky Three-Day Event.Tribunal Satisfied That Kocher Made Prolonged Use of Electric SpursAs well as horse abuse, the US rider is found to have brought the sport into disrepute and committed criminal acts under Swiss law.Washington International Horse Show Returns to TryonTIEC will again provide the venue for the WIHS Oct. 26-31 with a full schedule of hunter, jumper and equitation classes.last_img read more

‘Some don’t have bodies to bury’: My journey back to Dominica after the…

first_img CDB to Lend US$70M to The Bahamas and Saint Lucia,… Greater Focus on Regional Agriculture Sep 10, 2020 Share this:PrintTwitterFacebookLinkedInLike this:Like Loading… Oct 7, 2020 This year the Caribbean experienced its most destructive hurricane season in decades. While large countries dominated the headlines, the small island nation of Dominica suffered the worst devastation it has ever seen. Josh Toussaint-Strauss visits his family in the country and asks, with next year forecast to be worse, how Dominicans see their future. (The Guardian) Make COVID Recovery ‘a true turning point’ for people and… center_img Sep 4, 2020 Encouraging developments in agriculture in Barbuda, DominicaThere are encouraging developments in agriculture in Antigua and Barbuda and Dominica almost a year after hurricanes decimated the sector in the two Caribbean Community (CARICOM) Member States. Mr. Barton Clarke, Executive Director of Community Institution, the Caribbean Agricultural Research and Development Institute (CARDI), said that in both countries, agriculture…August 28, 2018In “Antigua & Barbuda”Hurricane season officially ends, but impact lingersIt is finally over. According to the calendar of the National Hurricane Center, November 30 marks the official end of the Atlantic Hurricane Season, which spawned 17 named storm. Here in the Caribbean, September was particularly brutal with the passage of two Category 5 monsters, Irma and Maria, which left…November 30, 2017In “Anguilla”Dominica Minister says Caribbean can learn from its rebuilding effortsStill recovering from the destruction caused by Tropical Storm Erika two years ago, the small island of Dominica was hit by Hurricane Maria – a category five storm about a month ago. The country’s entire infrastructure was left in ruins, leaving its population of approximately 74,000 people without potable water,…October 17, 2017In “CARICOM”Share this on WhatsApp You may be interested in… ‘Step In our Shoes’ – Dr. Carla Barnett Sep 29, 2020last_img read more

Jose keen to move on from Bradford debacle

first_imgSee also:Sturridge could return against ChelseaLiverpool boss ready to attack Chelsea Manager Jose Mourinho says the motivation of being one game away from Wembley when they face Liverpool will ensure Chelsea move on from the humiliating defeat against Bradford City.The Blues were 2-0 up against the League One side in the FA Cup fourth-round tie at Stamford Bridge on Saturday, but lost an incredible game 4-2.Mourinho said Liverpool’s visit for the second leg of the Capital One Cup semi-final on Tuesday means there is no time to dwell on the defeat.AdChoices广告“We need to forget this,” the Portuguese said. “It’s the good thing about playing consecutive matches without many days in between.“It’s the good thing that, when you lose, you have to focus immediately on the next game.“You don’t have a lot of time to be moaning or analysing what happened in the bad one. Let’s move and let’s think about the next one.”Eden Hazard’s coolly taken penalty earned a draw at Anfield in last week’s first leg, but Chelsea had to withstand a great deal of pressure to hang on to a draw after Raheem’s Sterling’s second-half strike drew the hosts level.Mourinho added: “We are one victory away from playing a final. The next game is the most important one.“We don’t go to Wembley to play the FA Cup final. The FA Cup is finished for us. To go there – and I think that should mean a lot to everyone – the last chance we have is this one, to play there in the Capital One Cup final.” Follow West London Sport on TwitterFind us on Facebooklast_img read more

Bombers look to rebound at Vernon Tournament

first_imgThe L.V. Rogers Bombers look to bounce back after a disappointing result at the Bomber Invitational Tournament when the team travels to Vernon for a weeekend event.The Bombers finished fourth after dropping a 72-69 decision to Prince Charles of Creston in the Consolation Final.LVR played the game minus starters Robby Dixon and Josh Matosevic. Both players suffered injuries earlier in the tournament.”A (J. Lloyd) Crowe player undercut Josh and he fell on his back and was hurt and only played about 15 minutes the rest of the weekend,” a disappointed Bomber coach Jeremy Phelan explained. “Robby also rolled his ankle in that game and he didn’t play the rest of the weekend.”Dixon is expected to play this weekend in Vernon while Matosevic will be a game-time decision.Minus to key players, the Bombers ran out of gas against Prince Charles after losing to Rutland in the semi final game earlier in the day.Rutland defeated Osoyoos Rattlers 86-78 in the Final to capture the Tournament Title.The Rattlers led by 10 points entering the fourth quarter but also ran out of gas as the South Okanagan squad entered the tourney with a short bench of players.LVR opened the tournament manhandling both Nakusp and J. Lloyd Crowe of Trail by respective, 95-9 and 79-26 scores.The Hangar will once again by busy this weekend as the LVR Bombers host a Senior Girl’s Basketball Tournament.Meanwhile the LVR Junior Bombers are in Castlegar to play in the Stanley Humphries Rockers Junior Boys Tournament.last_img read more

Nelson Minor Hockey grads take advantage of opportunties

first_imgIt’s been a banner week for two Nelson Minor Hockey grads, Reece and Dryden Hunt.Reece Hunt, playing this season with the Okanagan Hockey Academy, was named to the shortlist for the Team BC Female U18 Canada Winter Games Team while older brother Dryden earned an assist for the Florida Panthers during Monday’s NHL game in Ottawa against the Senators.BC Hockey released the shortlist of players for the 2019 Canada Winter Games in Red Deer, February 23 to March 3, 2019. Hunt, one of 26 players chosen to attend the camp in Penticton December 20-23, was part of Team BC at the 2017 National Women’s Under-18 Hockey Championships in Quebec City. The players invited based on their performance at the 2018 Female U18 Provincial Camp held in August in Shawnigan Lake, BC and in-season evaluations.“We are excited to announce the 26 players selected to continue the process for Team BC,” says Female Program of Excellence (POE) Coordinator Whitney Juszkiewicz. “Every year the skill and competition for Team BC has improved, which is a testament to female hockey in BC and the Yukon.”Meanwhile, in the Nation’s Capital, Hunt recorded his second assist of his NHL career when he tossed a high pass to a streaking Jared McCann to give the Panthers a 3-1 lead in a 7-5 victory.Hunt was recalled Monday by the Panthers from Florida’s American Hockey League affiliate, the Springfield Thunderbirds.Hunt, 22, has appeared 15 games with the Thunderbirds this season, registering 12 points (8-4-12). The 6-foot, 191-pound Nelson Minor Hockey product is ranked second on the Thunderbirds in goals and led the team with four power-play goals.He played in 11 career NHL games with Florida (2017-18), registering one assist before Monday’s helper.Wednesday, during a 7-3 loss to Tampa Bay Lightning, Hunt saw more than 10 minutes of ice time.last_img read more


first_imgFine Gael TD Joe McHugh has confirmed that the Government has sanctioned €759,000 for a new national Comprehensive Transition Plan for adolescents with autism and learning disabilities, to be rolled out by the National Learning Network in Donegal.Deputy McHughThe network has its centre at Rossview Business Park, Port Road in Letterkenny.Speaking to Donegal Daily tonight following the announcement, Deputy McHugh said “This €759,000 project to be rolled out by the National Learning Network from its centre in Letterkenny is part of the Government’s Disability Activation Project (DACT), “It is aimed at ensuring that school leavers with autism or withan intellectual disability are enabled to avail of transitional supports for progression, education and development opportunities.“This is about helping people with an intellectual disability or with autism to progress to the next stage of life.”“The DACT project announced today by Minister Burton is a package of the types of initiatives that were envisaged by the delegation of Fine Gael TDs who met with Minister Burton on Budget night 6th December 2011 to discuss Disability funding.“That night we made a very strong case that the Government should focus its strategy for young adults with disabilities, on labour activation measures. Minister Burton’s announcement today is a huge step in the right direction and I compliment her for putting this Disability Activation Project together.”  MCHUGH ANNOUNCES €795K ROLL-OUT FOR NEW AUTISM AND DISABILITY PLAN FROM DONEGAL was last modified: October 25th, 2012 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:deputy joe mchughNational Learning Networklast_img read more

What’s a Snuggle Snapper?

first_imgThese are priced at $19.99 each. We’ve seen versions with Mickey, Minnie, Baymax, Lotso, Dumbo, Marie, Yoda, and an Ewok. Which one would you choose?Photos: Christina Harrison Share This!We’re seeing a lot Snuggle Snappers in the theme parks these days. What’s a Snuggle Snapper you ask? Well, it turns out that a Snuggle Snapper is cross between a plush (the snuggle part) and a snap bracelet (the snap part). Basically its for the kid (or the adult, we do not judge) who can’t decide what kind of souvenir they want so is excited to find an item that fits more than one category.last_img read more

Don’t Miss the Current Online Magazine Focused on ORC

first_imgThe latest edition of LPM Online is focused on organized retail crime (ORC). Here’s a look at the excellent articles in this issue. Please forward the link to this edition to your friends in loss prevention and law enforcement who are focused on ORC.ORC Is Worrisome, Worsening…And at Risk of Becoming Ignored? LPM’s Garett Seivold looks at the National Retail Federation’s latest ORC survey results and talks to investigators on the front line about the current trends affecting retail.Organized Retail Crime Is a Community Concern Curt Crum is a career law enforcement officer with the Boise (ID) Police Department and president of the national Coalition of Law Enforcement and Retail (CLEAR). LPM’s Jim Lee, LPC, gets Crum’s insights into the community problem of ORC.- Sponsor – Inside the ORC Interview Dave Thompson, CFI, offers a written treatise on Wicklander-Zulawski’s perspective on interviewing ORC offenders as well as a video discussing the subject.An Update on Emerging Issues in ORC The Loss Prevention Research Council (LPRC) has been looking at ORC since the council formed in the early 2000s. In this article the LPRC team provides an update of what they’ve learned along the way and where ORC is heading.Intelligence: The Most Important Tool in the Fight Against ORC One company’s solution to preventing retail crime through information, intelligence, and collaboration.ORC: Arming Ourselves with Education LPM’s Jacque Brittain, LPC, provides a preview of a new ORC education course created by the Loss Prevention Foundation with help from a team of LP industry experts.Cargo Theft: Our Industry Problem One of the asset protection industry’s experts on retail supply chain provides a compelling argument for why cargo theft is not just a trucking and insurance problem but an LP industry problem that must be addressed.Rise of the Robots? Mobile security devices may sound like something out of Star Wars, but retailers are starting to implement robotic technology.The Unintended Consequences of California’s Proposition 47 on Retail Theft The podcast features a panel of experts on how increasing the felony threshold has negatively impacted retailers.If you’ve missed any of our previous LPM Online editions, go to the Archives page at the end of the edition to see what you’ve missed. Be sure to be an LPM digital subscriber so you are the first to know when new issues are available. If you haven’t already, sign up on the SUBSCRIBE NOW link. Stay UpdatedGet critical information for loss prevention professionals, security and retail management delivered right to your inbox.  Sign up nowlast_img read more

10 reasons why it was great to be a freelancer this holiday season

first_imgThe end of 2014 (and with it, the holiday season) is upon us—and that means many of you are reading this from your smartphone while interminably waiting in an airport. When you’re traveling, battling angry hordes, or arguing with your cousins, this time of year can be stressful! But it’s also a great time to be a freelancer, especially. Check out our top ten reasons why freelancing may have made your holiday season a little bit easier … and a lot more fun.1. Flexible schedule means that you have the freedom to nurse keen champagne hangover on January 2nd.2. Ever-evolving work responsibilities gave you convenient excuse to avoid your mother’s when are you going to settle down and give me a grandkid? talk. “Oops, Ma, sorry, my client desperately needs this presentation drafted… yep, and on Christmas Eve, too.”3. Obligatory “office party” involved you, Netflix, pizza, and your couch.4. “Freelancer” had vaguely cool ring to it when running into high school acquaintance at home town supermarket. If only you weren’t wearing your brother’s moth-eaten sweatshirt while juggling two pints of melting Chunky Monkey and an US Weekly…5. Holiday meals provided much-needed break from typical freelance diet of takeout and peanut butter licked off of single spoon. A real plate? What is this, Buckingham Palace?Join the nation’s largest group representing the new workforce (it’s free!)Become a member6. Lighting Hanukkah candles provided one with opportunity to make awesome joke about experience “putting out fires” in work life (okay, only your dad laughed—and he was just being polite).7. Lax dress codes in your workplace allowed you to augment pajamas with Santa hat, reindeer ears, spilled eggnogs.8. Panic about impulse shopping’s effect on finances leads to remarkably efficient invoicing.9. Clients are often not working very hard, and thus don’t seem to care much if you are working very hard, which leads to… relaxed deadlines.10. Holiday with extended family results in extreme joy to get back to work.Happy holidays, all, and a happy new year!Kate Hamill lives and works in New York City, where she consumes an inordinate amount of Sriracha daily. You can catch up with her on Twitter at @katerone.last_img read more