Not ready to retire? Consider your options

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Many of you are in a dilemma. You are at the retirement age, however, can't afford to retire. You want to not work, but your expenses, the economy and a lack of savings or retirement funding make it necessary to keep working. You are tired, ready for a break, and don't know what to do.

Here are the facts: The unemployment rate for over-55 people is the highest since post World War II. Those looking for jobs currently include the over 55 group. Those baby boomers are looking for jobs at a rate higher than any other demographic group. There are so many reasons for this jump. They are the group that may be the hardest hit in their inability to sell their home. Some have skills that are hard to market in today's job market. Their skills are not as fine tuned as some of the younger. And some of their trades are not used like they were 10 years ago. And let's face it, there just may be some age discrimination taking place.

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3 ways to work and play in retirement

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Even with all the talk swirling around in Washington about raising the retirement age to 70, one thing is certain: Americans will be working longer. A new study from Wells Fargo finds that nearly four in ten Americans need to work in retirement for monetary reasons – either to afford the things they want or to make ends meet.

But what about that cruise you always dreamed about? Well, I have good news for you. You can take that cruise. The new normal for retirees is a combination of work and play.

What’s the best way to combine the two?

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Pensioners swap the seaside for bustling city life

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Growing numbers of pensioners will be swapping sleepy seaside retreats for the bustle of city life in future as they look to remain more active in their retirement, according to research.

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'When I'm Sixty-Four' may have lost its relevance

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The Beatles song When I'm Sixty-Four doesn't accurately reflect the retirement lifestyle B.C. baby boomers expect to be living, a new survey suggests.

Knitting by the fire and Sunday drives might have seemed like a reasonable way to spend one's twilight years when Paul McCartney first sang about it more than 40 years go.

But a survey released Tuesday by Investors Group suggests the boomer generation -- the oldest ones are 64 right now -- have bolder plans.



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10 Great Places to Retire in the U.S.

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Your retirement planning may include visions of a home close to the beach, mountains or a lake. Or maybe you're hoping for a Main Street kind of place, a walkable community or a budget-friendly locale.

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With early retirement, your brain retires too

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The two economists call their paper “Mental Retirement,” and their argument has intrigued behavioural researchers.

Data from the US, England and 11 other European countries suggest that the earlier people retire, the more quickly their memories decline. The implication, the economists and others say, is that there really seems to be something to the “use it or lose it” notion — if people want to preserve their memories and reasoning abilities, they may have to keep active.

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Study to discover how we plan for retirement

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Academics from the University of Melbourne and Canada’s York and McGill Universities are calling on recent baby boomer retirees to participate in a study looking at how people plan for retirement in light of evolving post-retirement challenges.

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The Retirement Age Debate

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Under current law, the normal retirement age -- the age at which full retirement benefits are payable -- is already scheduled to increase from 66 to 67 in two-month increments from 2017 to 2022.

Joe Bergola, 62, has been putting his back into it for nearly 40 years, reports CBS News correspondent Anthony Mason.

"This job involves a lot of bending," said Bergola. "Year in and year out just too many aches and pains."

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In retirement, seniors maintain active lifestyle through sports

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Five days a week, Gloria Doro plays softball. Twice a week, she hits the gym and works on her bench press. And to top it off, she is an accomplished track and field athlete with hundreds of medals to her credit.

Doro, 78, has had a lifelong affinity for sports and is one of a growing population of people 50 and older who regularly immerse themselves in athletics.

Doro, of Hemet, and a former postmaster in Mountain Center, will compete in eight events during the two-week long OLDlympics in the San Jacinto Valley, an Olympiad of sorts that features everything from track and swimming to bridge and shuffleboard.

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Active-aging Industry Grows Services for Older Adults

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The economic news this year has generally focused on the standstill in production and consumer spending. Despite this environment, the active-aging industry is slowly but steadily growing, according to new research from International Council on Active Aging® (ICAA), the association that provides services and business intelligence for professionals working with people 50 years and older.


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Athletes and the tough road after retirement

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Retirement is a difficult time for anyone; to go from an active work life to suddenly doing nothing is hard for a lot of people. It is more so for athletes because a lot of them retire at a very young age compared to the average working person. Most professional athletes will retire after the age of thirty while most workers will end their careers after the age of sixty. During that thirty year gap athletes have to find something to do. A lot of them find careers in the sport they left behind but a large number of them suffer from moderate to severe depression and need counselling. Work should be done to help athletes adjust to their lives once they leave the sport they play.

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Retirement just means more work

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For Donna Ferracone, retirement just means she has more time to volunteer.

Ferracone is the vice president of administration for the Kiwanis Club of Redlands (Noon), but that's just the beginning of her service in the community. Taking the club's mission on as her own, Ferracone said she is committed to helping the youth of Redlands however she can.

She volunteers with Youth Hope, the Redlands Youth Accountability Board and has headed up multiple committees and events for youth with the Kiwanis Club.

In 2009, Ferracone received the Roy Coble Service to Youth Award for being the community member who most exemplified the spirit of Roy Coble, founder of the Great All-American Youth Circus and volunteer dedicated to serving the youth of Redlands.

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Life After Retirement – Ideas for Retirees

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Can life after retirement be exciting and interesting? It is an irony that many retirees after working hard so many years and striving to gain financial independence are complaining about boredom and a loss in direction in their lives. Retirement really should be the time to be enjoying the fruits of one’s years of labor and hard work, to relax, to catch up with friends and fellow retirees and pursue a lifelong interest that one has wanted to do but could not find the time during to their hectic working life.

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If you are over 55 you want an active lifestyle, you can search for pensioners

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People who

an active life to find peace and comfort after retirement led. You can live very well with this kind of living in retirement communities. The best communities are found throughout the country, not just the U.S., Sun. to live And so those of you older people and would be happy somewhere close to your friends or family, there is good news for you.

these communities you will find accommodations that come with all the amenities of a modern lifestyle and the people here have much in common with you. And like most active retirement communities, these are the places where you could participate in various activities. An activity such as trying as much golf. Life in old age does not mean you have to sit and relax – you can now even enjoy life and have fun.

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Tips for finding the best retirement jobs

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The best jobs for people who are officially retired are those that allow the retired person to earn some extra money while having an enjoyable time doing so. Being officially retired means that the retired person is no longer dependent upon an income derived primarily from working a full time job. That retired person, in most cases, is also receiving Social Security benefits in the form of a payment each month from the Government of the United States of America or some other Country where that person resides.

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Getting fit in midlife, better late than never

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Exercising in your 40's, 50's and 60's is like saving for your retirement, experts say. Starting early is money in the bank, but even late bloomers can reap astonishing benefits.

"The game isn't over, even if you haven't been active," said Dr. Angela Smith, past president of the American College of Sports Medicine .

"Aerobic fitness, bone health, agility, you may be able to catch up. It's remarkable to see the things people can actually do." Smith, a physician at Philadelphia Children's Hospital, said studies have shown that even octogenarians can double their strength with weight training.


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Retirees are as good as gold for N.C. economy

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The Triangle's growing retiree population is a major economic engine that fuels a wide range of businesses, nonprofits and more.

According to population counts, about 12 percent, or 1.1 million, of the state's 9 million-plus residents are over age 65. The bulk of these retirees are often living on fixed incomes, primarily Social Security, and in some instances on government or corporate pensions, and savings.

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5 Reasons to Start a Business in Retirement

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The tip of the baby boom iceberg has just started melting into retirement. As tends to be the case with this generation, they are not content to do retirement the old-fashioned way. Boomers are healthier and more active than retirees of the past, and they have a lot more in mind than just sitting on their front porches in rocking chairs.

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Work After Retirement: Why Not Use Your Brain To Earn Income

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Even if you did retire early, there are lots of good reasons to return to work after retirement
, not least that the extra income would come in handy, but also the feeling of being able to contribute and be useful again, plus the intellectual stimulation that goes with working.

Perhaps you don't need much more money, but the skills and experience you have built up in your working years, could benefit an organisation or benefit individuals to help them grow into their own careers.

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Fantasizing About Retirement

Image via Wikipedia

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When my father retired from the real estate business, he didn’t close his office. He kept it intact for a year, as a contingency plan. He worried that he might be so bored in retirement that he would need to go back to work. That’s not surprising for someone who had to start working at age ten in the depths of the Depression.

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Seniors Staying Active

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Most people think retirement means the end of their working life, but many seniors find these years offer opportunities to stay active and healthy.

Older Americans
Older Americans make up about 12.6 percent of the population. According to the Census Bureau, there were 37.9 million people 65 and older living in the U.S. in 2007. This year, the number of elderly is expected to reach 40 million.

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10 questions you should ask when considering retirement

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If you’re one of the many IT pros who is wondering whether it’s time to retire, these insights from Alan Norton will give you an idea of what to expect and what to consider as you make your decision.

The PC generation is nearing retirement. Some of us have already left the workforce by choice or otherwise. Before you retire, you should understand that you will still have needs in your life of leisure. How you meet those needs will in large part determine how successful your retirement will be.

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Compare How to Retire Happy, Wild, and Free

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How to Retire Happy, Wild, and Free offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life — interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support.

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Retirement in the Dominican Republic?

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Now I know that some Friends will react to the tone of the Sovereign Individual material as being focused on personal wealth and generally "unpatriotic"-- after all.. are we not Americans? Do we not owe allegiance
(and taxes) to our government? I assume thar for most of us, our personal and religious convictions come above our political convictions.. i.e. We are perhaps Quakers before we are Americans?

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The Number One Obstacle to Retirement

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At first it would seem that the biggest obstacle to retirement is not having enough money. Most people simply don't have enough in the bank to retire comfortably. While that is certainly a big part of the equation, it's just the tip of the iceberg. Why don't many people have enough money to retire? They didn't save enough, of course. But why didn't they save enough? And that brings us to what is, for many, the biggest obstacle to retirement--debt. And the problem isn't just any debt. The problem is non-mortgage debt.


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How to Get the Most Out of Your Retirement and Improve Confidence

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Retirement is something that many people are planning to take earlier in their lives, and with the opportunities of improved health care, diet and lifestyle usually people can look forward to many healthy and fulfilling years ahead.

- Mindset is an important part of the equation. Being interested in what is going on around keeps a person interesting to be with. Being mentally active and engaged in life stops us from becoming self absorbed and insular. Being keen to know about current affairs, the news, new theatre shows, learning new interests keeps us upbeat and motivated, as well as mentally alert.

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Retired Before Your Time? Three Hot Job Search Tips In A Down Economy

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Lin Schreiber You’ve been told you’re “retiring”, and while you certainly don’t want to stop working, with the state of the economy, you now have to work. Your confidence is badly shaken, the job market is shrinking, and you’re at an age where conventional wisdom says you’re unemployable. Make you want to give up? Don’t! While you can’t do anything about the diminishing number of jobs out there, you can confidently fly in the face of conventional wisdom. Throw out all those boring, conventional ways to go about getting a job. The expression “If you never stick your neck out, they’ll never see you above the crowd” was never truer. So, get your creative juices going and have some fun with these recession-busting job hunting tips: 1. Be Ageless. If you think your age is going to be a problem, I guarantee you it will be. If you can focus on all that you have to offer and be confident in that, you’ll be golden.


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Opportunities Are Plentiful For Part Time Jobs For Retired People

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Raymond was enjoying his retirement but he discovered he was running short of money each month. He realized that he and his family could simply “tighten the belt” to save money but he also knew he could pick up just a little extra money working part time that would enable them to still enjoy their indulgences such as eating out and playing golf each week. He found the perfect job for himself working for a Tucson limo service. This Tucson town car service had been around a long time and the owner was very happy to hire Raymond, a retiree, who was courteous and punctual and represented his company very well.


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Staying active key to quality retirement

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Retirement has different meanings to Garvin Berry, Barbara Swiggart and Gloria D’Allessandro.

Berry, 84, a petroleum geologist, flunked retirement. He never went to work because working in the geology field was “fun.”

D’Allessandro, 73, raised her children, then went to school to become teacher. After teaching in both public and private school settings, she retired and started writing mystery novels. Because she was mad at her principal when she left, he was murdered in her first novel, A+ for Murder.


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Retirement Survival Guide: The key to a satisfying retirement? Keep doing what you love

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Baby boomers approaching retirement might learn a thing or two from De and Pat Alcorn.

After De retired as an engineer from NASA's Jet Propulsion Laboratory, the sailing aficionado and his wife set sail around the world for eight years, mingling with international travelers and locals in some 40 countries.

Today, the two Sierra Madre residents are so active in civic organizations, volunteer work and local politics that they are known as "Mr. and Mrs. Public."

"The more you go out, meet people and do the things you want to do, you'll have a much richer life and be satisfied with the way things are," De Alcorn said of retirement.

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You thing about Retirement Planning – Why and When?s

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When researching and discussing retirement planning and options, I get these questions frequently. Despite the constant news coverage of impending doom, many, if not most Americans are still depending on their social security payments to support them through their retirement. The sad fact is that it simply isn’t possible. It is doubtful that Social Security by itself would be enough to get the average American through their twilight years.Americans are living longer and longer. And, we are leading more active lives. Retiremetn has a new meaning today! Gone are the days when retirees sat at home reading newspapers and playing cards every other afternoon. Today’s retirees are traveling, taking classes, learning to dance, and trying new things that they were not able to experience while setting aside funds for the future and going about the business of raising their own families. Now they are taking the time to do all these great things, butthese great activities and pastimes require funds in order to enjoy.This is the number one reason you should begin as early as possible to set aside funds for your retirement but make active plans to invest those funds to maximize the potential of limited funds.


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The Great Boomer Lateral-Hiring Spree Continues

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Americans are living longer, healthier lives than ever before.

And many of them are choosing to live out their latter years not by moving to the Sun Belt — or an active retirement community in a university town (”he can play squash while I audit Special Topics in Flemish Printmaking!”) — but by working. Just working.

For these folks, 65 is just another birthday. No reason to retire just because that was the way people did it a generation ago. These folks have deals to do, briefs to write, cases to win.

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How to Love Your Retirement: What do you mean retire'?

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Retired? Here's some advice from the book "How to Love Your Retirement" (Hundreds of Heads Books, www.hundredsofheads.com, $13.95), straight from people who've done it:

"My pension and social security have been almost enough, but I am not one to feel secure without a little savings. I like to keep some extra money coming in somehow. This is a good idea for anyone looking to retire: to have a skill you can use once in a while to keep you busy, make you feel useful, help your bank account a little. I do some home nursing every now and then, stay with a new mother for a few days, that kind of thing. I have one friend who got a real estate license, and her husband got a broker's license, and she helps her friends and their children with real estate - not as a full-time thing, just every now and again. She enjoys it."

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Retirement Just Got a Little Harder

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Life spans are longer than ever, stretching out retirements many more years, and before the stretching begins, many of us live in more places and hold more jobs through our careers than in the past. Each of these developments can make it harder to set aside enough money for retirement or even to know what enough will be.


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Creating an Active Retirement

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Ensuring you maintain an active lifestyle throughout your retirement is essential to staying fit, happy and healthy for many years to come to remain independent and stay clear of needing aged care.

Dance the Night Away

One of the best ways to both enjoy retirement living and maintain an active lifestyle is by dancing! Dancing is a fun way to stay active and it doesn’t need to be hard work.

There are dozens of different dancing styles that you can incorporate into retirement living. Whether you prefer traditional and relaxed styles of dancing such as ballroom or you want to experience the fun and excitement of Salsa dancing, then there will be a dancing class right for you!


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A Self Help Guide to Retirement Planning

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Exercise is a critical component of any weight loss management plan. Exercising does not happen if a person never tries it. There is no denying the health benefits that come with an exercise program that is done consistently. Exercise is not just a matter of beginning a six pack ab exercise program that you do for ten minutes before you go to bed at night, it requires forethought and planning to make sure that the proper amount of time and effort is put forth.


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Future Years: Retirement Planning

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Future Years helps makes it easy for everyone to plan their retirement. It does not matter if someone has just started a professional career, or if that person is nearing retirement age, Future Years has lots of information to cater to the retirement planning needs of people of different age groups. From selecting a retirement location or home, to health insurance, Medicare, and travel plans, this site proves to be a useful guide for a large number of people, including baby boomers

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Looking Forward To Your Retirement

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Did you know that you’ve been working towards retirement since you got your first job? You may not have even noticed, but every paycheck showed that you paid social security. As you became older and reached your early forties, you began looking at your financial condition in relation to your retirement years. When you reach sixty, the excitement will mount, and you will start defining your plans for retiring.

No one wants to enter retirement just to lose their health and eventually their life. Everyone has plans to live longer and enjoy themselves. In order to do that, make sure you stay active! It’s not a time to spend your day sitting on the couch, watching television and eating. That type of life style diminishes your retirement years one day at a time. Too many people spend those last years of retirement in a bedridden state, suffering from an incurable illness.


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Living well, aging well

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Can a building keep you healthy?

Velma Robinson thinks so. The 82-year-old had been living alone in a ranch house on two acres of land in West Virginia. She took care of the land by herself with the help of a riding mower. But recently the workload was getting to be too much as was the tug to be closer to her three sons, who live in the Chicago area. About 10 months ago, Robinson moved to Friendship Village, a retirement community in Schaumburg that offers meals and lots of activities.


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The New Math of Retirement

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There's one key fact of life that most retirement planning advice gets wrong: the way people actually live and spend when they retire. Put simply, most retirement calculators and planners aim for decades of level spending, but most people reduce their spending as they move through retirement. That's a disconnect that can significantly skew the results of the typical planning exercise, says a recent study from the Society of Actuaries and the Actuarial Foundation. It could lead workers to take greater investment risks, or be overly frugal during their final years of work or their first active years of retirement.

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Is the retirement savings system broken?

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Things are looking up for employer-based retirement plans.

Despite the staggering loss of savings many experienced as a result of the downturn, Americans still believe the current retirement savings system still works.

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Retirement for Younger Baby Boomers Will be a Different Experience

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Younger baby boomers, those aged 50 years old in 2010, foresee a vastly different retirement world than 50 year-olds who were surveyed in 1996. According to a pair of surveys by active adult community developer Del Webb, today’s 50 year-old plans to retire four years later, at a median age of 67 versus age 63 nearly fifteen years ago. Fully 73% of baby boomers plan on continuing to work in retirement. That contrasts with current retirees living in Del Webb communities, of whom just 40% have actually worked since retirement.


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Four Risks That Could Ruin Your Retirement

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What are the risks of retirement and how do we plan for them? In recent articles, we’ve written a lot about retirement and different aspects of planning for it. Often risks are specific to your particular retirement plan, but several are common in all plans. Even after you transition into retirement, it’s still vital to periodically assess your risks. Kick the tires on your retirement plan every now and then to see if you need to make changes. Here are the top four risks we see when preparing and living in retirement:

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May he live long and prosper

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In an interview with The Toronto Sun, Leonard Nimoy has announced his retirement from acting. Though the actor legendary among the sci-fi community for his role in Star Trek, the occasional voice acting credit, and odd affection for the works of J.R.R. Tolkien has taken several breaks from active duty before, he seems sincere that this is a lasting proposition.

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'Silver market' put off by hotel single supplement

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THE SUPPLEMENT charged by many hotels for single rooms is a disincentive for the lucrative “silver market” at a time when the retired population is growing, the tourism industry has been told.

Active Retirement Ireland has urged the industry to do more to attract retirees, many of whom take from three to five short breaks a year.

Maureen Kavanagh, chief executive of the group, said its members already accounted for an estimated 100,000 bed nights a year and stressed there was “a silver lining” for the hard-pressed industry.

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How Much Retirement Income Do You Need?

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If you want to continue into retirement the standard of living you’re accustomed to while working, conventional wisdom from financial planners says you’ll need a retirement income that’s equal to 70 percent to 100 percent of your pay just before retirement. Retirement planners call this the “replacement ratio” method of determining retirement income. But is this method right for you?

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Friends, Not Grandkids, Key to Happy Retirement

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An active social life, being married and having a partner who is also retired all make a huge difference in seniors' enjoyment of life, but having children or grandchildren matters little, [a] University of Greenwich team found…

Seniors with high levels of life satisfaction strongly agreed with the statement, "I have active social groups I enjoy spending time with." Conversely, seniors who aren't enjoying life much strongly agreed with the statement, "I miss the socializing of working life."

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Age of enjoyment: The active retired are spoilt for choice when looking for buzzy living

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Not every retired person longs for the quiet life. Shuffling about in slippers is far from fashionable as people live longer and strive to lead action-packed lives into their 80s.

These are the lively retirees who want plenty of space in quality homes in a buzzing area.



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Retirement is Out, the Active Adult Lifestyle is In

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Blame it on the boomer generation if you want, but you must accept that the old notion of retirement has given way to the era of the active adult. Most adults would like a retired life of ease and prosperity. They are no longer willing to work for 80% of their life, for a less than certain shot at a life of splendor and ease awaits them for the last 20% of their allotted days on earth.
The retirement paradigm

The old model of adult life said that you work for x years, typically until you are 65 years old. Then you retire. If you do it correctly, you will save enough during your working years to live comfortably with social security and your pension from your job and your lifetime of savings to provide that level of comfort.That model governed many people's thinking through the 20th century.


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Retirement age 'should be scrapped'

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Equality commission says an ageing population and increased willingness among older people to work should see default retirement age scrapped.
Workers should be able to stay in their jobs beyond the age of 65, and employers should be incentivised to allow older employees to work flexibly, the UK's equality watchdog said today.

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Looking Forward To Your Retirement

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Did you know that you’ve been working towards retirement since you got your first job? You may not have even noticed, but every paycheck showed that you paid social security. As you became older and reached your early forties, you began looking at your financial condition in relation to your retirement years. When you reach sixty, the excitement will mount, and you will start defining your plans for retiring.

No one wants to enter retirement just to lose their health and eventually their life. Everyone has plans to live longer and enjoy themselves. In order to do that, make sure you stay active! It’s not a time to spend your day sitting on the couch, watching television and eating. That type of life style diminishes your retirement years one day at a time. Too many people spend those last years of retirement in a bedridden state, suffering from an incurable illness.

Read the whole story HERE

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The Exciting And Wonderful World Of Retirement

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From the day you get your first job, you begin working towards retirement without even realizing it. Every paycheck you receive has social security taken out of it. Once you reached your late thirties, your main goal in life is retirement and by the time you hit sixty, you will be making definite plans for retiring.

No one wants to enter retirement just to lose their health and eventually their life. Everyone has plans to live longer and enjoy themselves. In order to do that, make sure you stay active! It’s not a time to spend your day sitting on the couch, watching television and eating. That type of life style diminishes your retirement years one day at a time. Too many people spend those last years of retirement in a bedridden state, suffering from an incurable illness.

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Retire At Home Or Abroad?

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The U.S. shopping can't be beat. But oh, that Italian food.

Forbes used many criteria to create our list of the Ten Best Retirement Havens, everything from the process of getting a visa to the ease of coming back to the U.S. to visit family. Along the way, we consulted experts, drew on other global rankings and used our own judgment. The table below offers an additional perspective: How select U.S. cities compare with our foreign choices in well-regarded rankings produced by two consulting firms.

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The Pros and Cons of Working After Retirement

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Not everyone wants to, or can, stop working at retirement age. Some opt to work on even though they could retire; others need to for the money. What are the pros & cons?


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Make Plans To Keep Busy During Your Retirement

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While the average age of retirement in the U. S. has grown progressively older, due much in part to Social Security rules, improvements in health maintenance have allowed many retirees to have more years to enjoy after they end a career. These years can be used to do the things that you love to do. If you plan on retiring, you will want to make plans to keep you active for those best years of your life.

Read the whole story HERE

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Retirement Choices Should Include Health and Activities

News from the web:

I have been astounded by the predominance of advice on the internet for retirement planning, investments, real estate and every other form of advice where someone can make some money out of it.

While what is remarkably lacking is the thought that maybe people who are retiring might just want to worry about pursuing another 30 or more years of an active and healthy lifestyle.

Obviously retirement planning should have a strong focus on the financial aspects but if you are not in good health both physically and more importantly mentally, retirement tends to start looking a lot less attractive.

The phrase Use it or Lose it has real relevance here.

Read the whole story HERE

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Plans To Keep Busy During The Retirement Years

News from the web:

While the average age of retirement in the U. S. has grown progressively older, due much in part to Social Security rules, improvements in health maintenance have allowed many retirees to have more years to enjoy after they end a career. These years can be used to do the things that you love to do. If you plan on retiring, you will want to make plans to keep you active for those best years of your life.

Read the whole story HERE

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What retirement means for women

News from the web:

What issues do women face in retirement? Many of us are baby boomers retiring within the next 10 years. Most of us work fulltime away from home, juggling home and work responsibilities and looking forward to the time when we can quit working. Our retirement, though, will offer more options than just “not working.” Our generation is creating the “new retirement”, an active retirement offering many different options. So what does this “new retirement” mean for women?

Read the whole story HERE

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Middle boomers create their own paths

News from the web:

Maria Palacios, 55, has reached a point in her life when she has just the right balance. Three days a week, she works as a CPA in her own business from her Miami home. The other two, she cares for her grandson Gabriel, who lights up when he sees grandma come through the door with her play calculator.

Getting to this point took endurance. It required going to school, raising two kids and forging a career path, while relying on a patchwork of child care. But now that Palacios sits comfortably in her mid-50s, she's part of a demographic group that has researchers intrigued. Called middle boomers, this group is a whopping 29 million strong and has entered its 50s with a shift in priorities.


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Some Fun Ideas For Retirement

News from the web:

If you are thinking about retiring then you probably are feeling both excitement and nervousness. While most who retire do not want to work in a regular job anymore, they do not want their lives to stagnate. If you want to remain active during retirement you can use the ideas below to help you get there.

Read the whole story HERE

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The retirement city where people work

News from the web:

Fewer people are saving for retirement. The Employee Benefit Research Institute released its annual retirement confidence survey this week. Almost 30 percent of the nation's workers have less than $1,000 set aside for their golden years. A majority has less than $25,000 socked away.

Read the whole story HERE

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Job market creates reluctant retirees

News from the web:
Paul Skidmore is hesitant to call himself retired. The former insurance claims adjuster in Finksburg, Md., was laid off in February 2008 and has been job hunting for more than a year. Although at 62 Skidmore is old enough to begin drawing Social Security, he doesn't want to permanently leave the work force.

"On the one hand, my brain is telling me go look for a job," says Skidmore, who originally planned to retire at age 66. "On the other hand, why bother? Just retire."

Read the whole story HERE

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6 Reasons to Become Your Own Boss after Retiring

News from the web:

What are your plans for retirement? Do you plan to relax in a comfortable chair, drinking tea, and watching the trees dance to the wind? Do you plan on reading all the books you have postponed because of lack of time? No? That’s actually a very good choice.

When they retire, most people wish to remain as active as before, with a little twist… they want to remain active while doing what they love. This is why many decide to start a business; they’ve got the time, the energy, the experience, and some money.

Read the whole story HERE

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Retiree jogs entire length of Route 66

News from the web:

Tired of looking for things to do in his retirement, a 71-year-old Illinois man decided to go for a jog on Route 66 — all 2,448 miles.

Emory Duick started out on June 2 at the intersection of Jackson St. and Michigan Ave. in downtown Chicago where Route 66 begins. After 202 days and more than 2,000 miles, he is passing through Victorville and Hesperia this week on his way to the Santa Monica Pier, where the highway ends.

Read the whole story HERE

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The Retirement Chronicles

News from the web:

A blog written by a retired woman, sharing thoughts about her family, marriage, gardening, bird watching, and photography. She talks about daily life observations with humor and heart. The blog also focuses on gardening and nature photography, which are passions of hers. She invites others to read and follow her blog as a "follower" and to become part of the party....comment and she comments back to you too!

Read the whole story HERE

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Bankrate Releases 2010 Retirement Guide

News from the web:

Bankrate's 2010 Retirement Guide takes a look at the landscape and how consumers can make the most out of saving for retirement

NEW YORK, March 9 /PRNewswire-FirstCall/ -- As the unemployment rate begins to fall and many Americans find their way back to jobs, it's important to think about retirement options as soon as it's financially feasible. To provide a roadmap on what to expect, Bankrate.com presents its 2010 Retirement Guide. This year's guide helps consumers at all stages of retirement planning

Read the whole story HERE

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COSTA RICA: Headhunting First-World Seniors

News from the web:

SAN JOSÉ, Mar 8, 2010 (IPS) - The Costa Rican government has declared retirement communities, aimed at attracting U.S. pensioners, to be "of national interest." Plans to create "retirement clusters" providing complete health services for older adults are seen as a profitable prospect for this Central American country.

Old people as a business: this is the bottom line of the government and private sector's new project.

Noting the rapid development of the "health cities" in Mexico and Panama, Costa Rican officials and entrepreneurs are poised to tap into the perceived gold mine among middle and upper-middle class senior citizens of industrialised countries.

The concept is simple, and includes slashing red tape to the minimum by providing one-stop residence permits at the Migration Directorate, so that foreigners, especially the well-heeled, can come to live in the country.


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E-Retirement System on the Way?

News from the web:

Modernizing the federal government's retirement system, including moving from paper to electronic records, has long been a priority of the Office of Personnel Management. But as I reported back in 2008, modernizing the system has not been without its challenges.

Alex Parker writes at Government Executive that OPM is moving quickly to fix glitches within the current system while also working towards the creation of new electronic retirement system.

Read the whole story HERE

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Why I Never Want To Retire

News from the web:

I guess I can be thankful to the economy for making me understand that I do not ever want to retire. I graduated in 2008 December and I am still searching for work. Until October I was immersed in my CPA studies. However, right after that, I retired. At the very least, I experienced what it is like to be retired.

Most people associate retirement with not working anymore and engaging in activities that you really like. On top of that, by the time you are retired you do not have to worry about paying a mortgage,or a car loan. It seems that all there is left is to receive your pension and social security payments and enjoy life. Seems like a pretty good deal, right?

Read the whole story HERE

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Retired Baby Boomers, Retired Veterans and Our Active Senior Citizens Would Enjoy the Benefits of Volunteering Their Time

News from the web:

Most people think of senior retirement as a time to plan on doing all the fun things that they had to forgo because of the demands made on them by their job. However, there are an increasing number of baby boomers who view retirement as a time when they can contribute to the society, and seek opportunities to perform volunteer work.

Over the years, many of the retiring baby boomers have acquired knowledge and skills that may be helpful to others. So some retirees find volunteering a source of incredible fulfillment. This will give an elderly senior purpose and a new meaning to life.

Read the whole story HERE

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No cake for you: retirement age and “rights”

News from the web:

As an actuary who has worked with annuities, I pay very close attention to stories about retirement age.

Before I get into the recent news stories, I want to address the old canard “The life expectancy was less than 65 when 65 was set as a retirement age.”

I’m not saying that they got they’re flat-out lying with this remark, but that they’re looking at the wrong number.

Let me give you an example – a population where everyone dies either at birth [age 0] or at age 100. Life expectancy would be a weighted average between these two numbers, depending on the probabilities. Let’s start at a 50/50 extreme, and you’ve got a life expectancy of 50 years from birth. If the infant mortality is at 1%, then the life expectancy becomes 99 years. But the problem of financing retirement doesn’t change at all — if you survive infancy, you live to 100, no matter the probability.

Read the whole story HERE

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Forced retirement increasing, says charity

News from the web:

More than 100,000 people were forced to retire against their will last year as employers used the default retirement age to cut back on jobs, according to Age Concern and Help the Aged.

Read the whole story HERE

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Stay active as you age

News from the web:

With the 2010 Winter Olympics under way in Vancouver, The Cascades Verdae is lighting its own flame by harnessing the active spirit of the Olympics and holding its very own winter games. My goal is to challenge participants mentally, socially and sometimes physically; after all, retirement age is the time we need those challenges the most.

Read the whole story HERE

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Retiring Retirement

News from the web:

Retirement is one of the most significant life transitions in adulthood, and current “retirees” and the 78 million Baby Boomers just behind them are re-writing the rules. No longer satisfied with just a nice dinner and commemorative watch, golf or tennis lessons, or arts and crafts courses at the local Senior Center, many of us want a lot more out of our “golden years.” The experts are baffled but they really shouldn’t be, it has been coming for a while. After nearly a century of decline the male retirement age, stabilizing at 55 in 1980, has been moving slowly in the opposite direction ever since. Retirees are getting a little older each year, that is, postponing the time they actually leave the workforce. The important question is, “Why are Baby Boomers delaying retirement?”

Read the whole story HERE

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Most people are simply not comfortable with retirement

News from the web:

Most people are simply not comfortable with retirement. For such people, they would rather hear or death than retirement. I guess the reason to their action is lack of preparation. Most people hold up retirement planning until when it becomes way too late. But one thing they fail to understand is the fact that they can actually achieve a lot as retirees. You can too, if you take the time to plan for your retirement. Before you retire you need to think of certain things like – Where would you want to travel to when you retire, what kind of house you want to live in and what’s the exact life style you would prefer to live, etc. These questions will guide you towards planning for your retirement.

Read the whole story HERE

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Can You Retire Before You Die?

News from the web:

Most of us are older with these statistics…

Out of 100 grouping who starts engaged at the geezerhood of 25, by the geezerhood 65:

* 1% are wealthy
* 4% impact competent top stowed absent for retirement
* 3% are ease working
* 63% are addicted on Social Security, friends, relatives or charity.
* 29% are dead.

More Statistics on “The GOLDEN Years”

Read the whole story HERE

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How to make peace with life after work

News from the web:

People don't think enough about how to keep themselves active and excited in retirement," says Rick Robertson, an associate finance professor at the Richard Ivey School of Business at the University of Western Ontario. "You ask them, 'What are you going to do?' And they say, 'Well, I'd love to take a trip to Europe.' Okay, now we've dealt with one month of your retirement. How are you going to fill up all the days after that?

Read the whole story HERE

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Building a Successful Modern Retirement Portfolio

News from the web:

In the good old days, retirees were advised to take their savings and lump-sum payouts and invest everything in "ultra-safe" bonds, CDs, and the occasional blue-chip stock. Over the last few decades, as people began enjoying longer and more active retirements, the conventional wisdom was to increase one’s exposure to stocks to generate higher returns and serve as a hedge against inflation. Not surprisingly, conventional wisdom is wrong. Here’s an alternative approach to generating consistent returns while managing risk.

Read the whole story HERE

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How to Be Happy in Retirement, join the debate

News from the web:

The March 2010 issue of Consumer Reports Money Adviser has an interesting article on how to avoid regrets during retirement. The article, which draws on a survey of nearly 25,000 subscribers, is simultaneously comforting and cautionary. While only about 20% of folks who haven’t yet retired are highly satisfied with their current retirement planning, 70% of actual retirees report they’re highly satisfied. According to the author, the lesson is:

While many of us tend to fret about whether we’re properly prepared for retirement, once we’re actually there we tend to adjust our situation and even thrive.

Read the whole story HERE

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Transition Yourself Into Retirement In Just A Few Ways

News from the web:

Lets be utterly honest. Everyone has their own dreams and expectations about retirement. Upon retirement, some people plan to travel around the planet while others simply set up to take excursions to their native beach. No matter the retirement set up that you may have, having the ability to implement your goals takes a bound degree of monetary security. The problem but is that money security will not simply happen however requires careful designing, commitment and yes, money.

To be a successful retiree, you must successfully transition yourself into retirement




Read the whole story HERE

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Those nearing retirement are worst off

News from the web:

Pre-retirees have the lowest savings (£8,593), lowest incidences of home ownership (76 per cent) and largest average mortgages (£16,694).

Two fifths of pre-retirees save nothing per month and one fifth still owes more than £75,000 on their mortgage.

Clive Bolton, at-retirement director of Aviva Life, said: "By 2011, there will be almost 18m people in the UK who are over 55.

"This first report shows a worrying picture whereby those who are already retired are actually - to a large extent - financially better off than the pre-retirees.

Read the whole story HERE

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Seniors rethink their dream homes

News from the web:

If your idea of a dream retirement home is a luxury contemporary overlooking a championship golf course in the desert, you better be prepared for some mighty small block parties: When it comes to retirement living, golf courses are out.

And Arizona and Florida aren’t the only retirement-relocation hot spots these days. In fact, South and North Carolina now top the preferences of Baby Boomers who will be retiring in the next decade, according to a survey to be released from home builder Del Webb.

Read the whole story HERE

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Retirement 101: Getting Back to Basics

News from the web:

Since the most recent market meltdown, Americans are re-evaluating their financial situations.

Some, mostly those who have invested some time and money in the process of “planning,” are doing so with at least a clue of what their target is or should be.

Those who have not planned are likely more fearful of the uncertainty of the future, fueled additionally by the fact that they have no clue of what they may be aiming at.

Read the whole story HERE

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Boomers and the future of volunteering

News from the web:

Boomers, as they have in almost every phase of their lives, also pose unique challenges to nonprofits. Many boomers are looking for challenges, hoping to use the skills they've acquired over a lifetime of work. They also may be less interested in devoting their entire retirement years to a single organization rather than working on short-term projects and moving on.

Read the whole story HERE

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Boomers Working Longer, Finding New Opportunities

News from the web:

As Baby Boomers approach retirement age, it's only natural that members of this generation should stop and reflect on what they have contributed to society—individually, collectively and in their careers—and where they can possibly go from here.

As a Professor of Physical Therapy and Director of the University of Wisconsin, La Crosse's Clinical Education program, Gwyneth Straker is as close to the top of her profession as she feels she's going to get—at least without expending more time and energy than she's willing to give at this point.

At 60, she's also feeling both the pull of retirement and the pressure to keep going for as long as possible—something that is driven both by financial concerns (her 401(k) took the same hit as everyone else's recently) and by her desire to keep mental deterioration at bay by remaining active and involved.

Read the whole story HERE

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Top 10 Tips for a Healthy Active Retirement

Image via Wikipedia

News from the web:

Here is an interesting document by Mary Caufield M.D. Medical Director or CIGNA Healthcare of Georgia.

Read or download the whole story HERE

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104-year-old's story shows hard work keeps you healthy

News from the web:

I shared the story of Helen Rosetta, now of Stafford County, who has been an active woman for all of her 104 years.

The details of her life, especially the fact that she has never driven and that she routinely walked miles to visit friends during most of her life in Pennsylvania, rang several memory bells.

I began remembering dozens of folks I've done stories on through the years who worked or exercised into their later years.

Read the whole story HERE

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Ski instructor, 83, still on the go

News from the web:

When most people reach retirement age they think about kicking back, taking it easy, and maybe picking up a hobby.

But what if your hobby is also your job?

At Alta Sierra Ski Resort there's a ski instructor who may be a little grey, but is still young at heart.

Andy Anderson has given the same ski tips time and time again, but he doesn't mind at all.

Read the whole story HERE

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Retired but gainfully employed

News from the web:
With the country yet to begin the full scale implementation of the much hyped National Social Security Scheme to take care of the army of retirees and others with no steady income, a bleak future awaits many. In this report Ibrahim Apekhade Yusuf relives the experiences of some business people who changed careers in midstream and ended up being successful


With the harsh economic reality biting h in this report, ard, not many people will relish the prospect of ever leaving a paid employment to start job-hunting afresh or even contemplate venturing into private practice.

But that is sadly what a lot of people have to contend with during this period of economic recession as most organisations are laying off staff in order to cut down on cost.

Most financial institutions across the country have had to prune their staff strength substantially within the last couple of months as part of their cost-reduction strategy, among other factors.

A cursory view shows that mid to top level officers in many of these banks have been affected by the layoffs, with some of the staff still at a quandary as to how to get over their present predicaments.

Read the whole story HERE

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Retiree jogs entire length of Route 66

News from the web:

VICTORVILLE • Tired of looking for things to do in his retirement, a 71-year-old Illinois man decided to go for a jog on Route 66 — all 2,448 miles.

Emory Duick started out on June 2 at the intersection of Jackson St. and Michigan Ave. in downtown Chicago where Route 66 begins. After 202 days and more than 2,000 miles, he is passing through Victorville and Hesperia this week on his way to the Santa Monica Pier, where the highway ends.

“I’m doing this for seniors age 50 to 85 years old because what I saw, even prior to doing this, is that when people retire in their 60s they kind of retire from life too and that’s just not right,” Duick said.

Read the whole story HERE

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Using Your Retirement Fund to Start Your Small Business

News from the web:

Where do you see yourself upon retiring? Do you intend to spend some quality time with your grandchildren? Or would like to be the head of your own business? If the latter appeals to you, that’s not surprising. The American Association of Retired Persons said that 70 percent of retirees want to continue working and be their own boss. Many cherish the idea of self-employment.

According to the National Academy on an Aging Society, many retirees actually stay active after retirement age. The Academy found that, “61 percent of individuals aged 60 – 69 work full time, and 72 percent of people aged 70 plus work part-time.” Individuals in this age bracket have a wealth of lifetime experiences and generally good business acumen. They tend to be more risk averse and this lends to their success in taking on a business venture or starting up their own business. And during an economic downturn, retirees also find it more difficult to be hired as they compete against younger workers.

Read the whole story HERE

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6 Steps to a Second Career in Retirement

News from the web:

Dorothy Atkins, of San Jose, Calif., may be the prototypical example of today’s retiree. She’s active, healthy ... and working. In 2002, when Bank of America told Atkins, now 68, that it was relocating her division, the project manager walked out the door and bid farewell to her banking career. But her working days didn’t end there. “I was retired for about a second,” she says. Atkins used BofA’s severance to start her second act by converting a spare bedroom into an art studio and creating a line of greeting cards she sells to stores and museums. The income has kept her from dipping into her retirement savings and let her live the life she wants. “I encourage my friends to find something they love so much that they’d do it for free,” Atkins says.

Read the whole story HERE

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Rivers, relationships play roles in recruiting retirees

News from the web:

The image of the average retiree as an 80- or 90-year-old waiting for a spot in the nursing home is way off base. That’s why the Greater Rome Chamber of Commerce, in addition to actively pursuing industries that bring jobs to Rome and Floyd County, is just as active in its effort to promote Rome as a great retirement community.

Who’s retiring to Rome?

People like Jim Keaten, a retired attorney from Atlanta who came to Rome four years ago and is now chairman of the South Rome Redevelopment Agency board, vice chairman of the Rome International Film Festival board and member of the Northwest Georgia Housing Authority’s board. His wife, the former Helen Harbin, is a native of Rome. In spite of that, Keaten said he was skeptical about coming to Rome.


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Too Damn Old!

News from the web:

Racism and sexism we know plenty about. But what of ageism?

Ageism can strike anyone once they reach a certain age -- sometimes as early as 40 -- and it can make the victim feel unwanted, unneeded and oppressed by all in this work and youth oriented society.

It doesn't matter if you're white or black, brown or Asian, man or woman. What matters is your age.

Federal law and several state laws say employers cannot consider your age in deciding if you should be hired, fired, retired, promoted, laid off or whatever. But the laws are widely violated, and sometimes invalidated by courts. Some of the court decisions have been downright bizarre. One recent ruling, for example, found that an employer who told a worker he was being fired because "you're too damn old for this kind of work" was not violating the law. Another court said a boss who told a worker he had to make way for younger workers was simply stating "a fact of life."

Read the whole story HERE

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Boomers: The next chapter

News from the web:

For many Baby Boomers, odds are good the decade just completed will be the last in which they are full-time salaried employees.

As we leave the Aughts [the decade 2000-2009] the first wave of Baby Boomers born in 1945 or 1946 will hit the traditional retirement age of 65 in 2010 and 2011. Tail-end Boomers born in the early 1960s will be 55 to 60 by Jan. 1, 2020.

True, unless you're among the minority with a gold-plated defined-benefit pension, you're unlikely to enjoy that magical chimera dubbed (courtesy of London Life) Freedom 55. Then again, I don't really consider those born between 1960 and 1964 as full-blooded Baby Boomers. If you weren't traumatized by the 1963 assassination of John F. Kennedy, your status as a Boomer is dubious.

Those born in the 1950s, like yours truly, will likely leave full-time employment sometime before 2020. By then, according to Canada's Urban Futures Institute, 425,000 Canadians will retire each year.

Read more: http://www.nationalpost.com/opinion/columnists/story.html?id=ace743d7-5fa5-466f-8a02-6041b4ef016a#ixzz0dRivJz2y
The National Post is now on Facebook. Join our fan community today.


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I get ready for Retirement

News from the web:

Are you someone who hopes your life will improve on its own when you retire from work without you having to do anything yourself? Maybe you believe that life without work will be wonderful and you will find it easy to cope , or maybe you are dreading the changes which you believe will come from changing the daily routine from work life to retirement.

You may be waiting for someone else to plan your life for you but it’s important to realise that you have the power in to make the changes you want for your new life. Don’t wait for other people to tell you what to do but decide for yourself that retirement is a chance to change everything if you wish.

Read the whole story HERE

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At 106, ageless beauty still turning heads

News from the web:

Virgia Bartee, who recently turned 106, is often asked about her secret to wrinkle-free skin.

She also is asked how one survives more than 10 decades.

Her answer is always the same: Don't smoke or drink. Stay active after retirement. Surround yourself with young people.

One of her four children, 72-year-old Ruth Gray, adds one more “must” to the list: Remain feisty.

“She has never been shy about speaking her mind,” says Gray, a retired nurse who lives in a mobile home in Bartee's backyard and is her primary caretaker. “The other Sunday morning, she said, ‘I'm not going to church today.’ She never misses church. But that morning, she just didn't feel like getting dressed. So she crossed her arms and legs, sat on the couch and wouldn't hear anymore about it.”

Read the whole story HERE

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